American Financial Resources
ConventionalFHAVAUSDARenovationDPA
FHA from 580 FICO · 3.5% down · DPA Advantage for first responders, medical & educators · FHA 203k renovation eligible. Full agency suite.
Angel Oak
HELOCHELOAN
Investment HELOC available in addition to primary residence. Fixed-rate HELOAN for equity access. 660 FICO minimum on equity products.
BluePoint
ConventionalFHAVAJumboHELOANManufactured
Full submission docs required prior to issuing Loan Estimate. Competitive jumbo pricing up to $3.5M. HELOAN available for home equity access.
Carrington
ConventionalFHAVAUSDAJumboLow Credit (550+)
Flexible Advantage program: 550 FICO min on FHA, VA, USDA & Non-QM. One of the broadest credit overlays in our network — ideal for challenged-credit borrowers.
ClickNClose
ConventionalFHAVAUSDAOne-Time CloseDPARenovation
Best-in-class One-Time Close construction-to-permanent loans — rate locked at start. DPA grants in multiple states. FHA 203k & conventional renovation eligible.
Freedom Mortgage
ConventionalFHAVAUSDAJumboManufacturedCo-ops
Dual-capacity in CA, FL & TX. FHA from 550 FICO. Manufactured homes and cooperative housing eligible in select markets. No Non-QM.
JMAC
ConventionalFHAVAJumboManufactured
Full agency guidelines on all government programs. Jumbo up to $3.5M with full-doc and alt-doc options. Manufactured homes under standard agency guidelines.
Kind Lending
ConventionalFHAVAUSDAHELOCJumboManufacturedReverseDPA Grants
580 FICO min across most products. DPA grant programs in multiple states. HECM reverse mortgage eligible. HELOC available. One of the most versatile consumer lenders in our network.
Loan Store
ConventionalFHAVAHELOC
HELOC funded in as few as 5 business days — fastest in our network. Standard agency conventional, FHA & VA from 580 FICO.
Mortgage Financial Services
ConventionalFHAVAUSDA
Straightforward agency lending across all four government programs. 580 FICO on FHA/VA, 640 on USDA. Solid conforming conventional pricing.
New Rez
ConventionalFHAVAUSDAJumboManufacturedDoctor Loans
HomeReady from 580 FICO at 97% LTV. Doctor Loan excludes student debt from DTI. Jumbo up to $3M. Strong first-time buyer programs. 40-yr I/O on Non-QM products.
NewFi
ConventionalHELOANJumbo
Full submission docs required prior to lock on conventional. Fixed-rate HELOAN up to $500K. Jumbo up to $3.5M — not available in NY. 620 FICO on conventional.
NFTYDoor
HELOC
Fully digital HELOC — no in-person appraisal for eligible properties. Primary & second homes. Up to 90% CLTV. Fastest digital decisioning in our equity lineup.
OakTree Funding
HELOCHELOANJumbo
HELOC up to 75% CLTV — primary & investment. HELOAN fixed lump-sum. Jumbo up to $10M — highest ceiling in our consumer network. 680 FICO.
Orion
ConventionalFHAVAUSDAJumboManufacturedDoctor Loans
Doctor Loan excludes student debt from DTI. Jumbo up to $5M. Full agency suite from 580 FICO on FHA/VA, 640 on USDA. Manufactured homes eligible.
PennyMac
ConventionalFHAHELOANJumboManufactured
HomeReady from 620 FICO at 3% down. Competitive HELOAN pricing. Jumbo up to $3M. Not available in NY. Manufactured under FHA and conventional guidelines.
Plaza Home Mortgage
ConventionalFHAVAUSDAJumboRenovationCo-opsReverse
FHA 203k & Fannie HomeStyle renovation — purchase + rehab in one close. HECM reverse mortgage available. Co-ops eligible. Jumbo up to $3M with alt-doc options.
PRMG
ConventionalFHAVAUSDAHELOCJumboManufacturedDPA — Chenoa / CALHFA
Chenoa FHA DPA & CalHFA programs available. HELOC offered — note: no broker compensation on this product. Strong DPA presence in CA, CO, FL, UT & WI.
Provident Funding
ConventionalJumbo
Conventional and jumbo specialist — no FHA/VA/Non-QM. Known for highly competitive conventional and jumbo pricing. Full-doc required. Jumbo up to $3M, 700 FICO.
Rocket
ConventionalFHAVAHELOANJumboManufacturedCo-opsDPA Grants
HomeReady from 580 FICO at 97% LTV. DPA grants in multiple states. HELOAN for home equity. Fast digital process. Jumbo up to $2.5M. Strong first-time buyer presence.
SpringEq
HELOCHELOAN
Primary HELOC: 660 FICO · Up to 90% LTV · $50K–$400K · 5-year interest-only draw period · Investment HELOC also available. Fixed-rate HELOAN at 85% LTV.
Windsor
ConventionalFHAVAUSDAJumboManufacturedDPA — CALHFAMultiple DPA Programs
CalHFA specialist — multiple DPA layers possible including state & local programs. FHA from 600 FICO. Manufactured homes eligible. Jumbo up to $3M full-doc required.