Our Mortgage Wholesale Products

Empower Your Clients

We offer a full array of products to help empower our partners to help every client that comes through their door. Our niche is helping our brokers to be the best positioned in the marketplace.

Our Wholesale Non-QM Products

Empower Investor

FICO down to 660
2-4 units up to 80% LTV
Cash out up to 80% LTV
Non-Warrantable condos, Co-Op, Rural up to 10 acres
1×30 on mortgage allowed
Loan amounts up to 3 Million
Close in trust and close in LLC

Empower Bank Statement

12 or 24 months
FICO down to 660
Loan amounts to 3million
Non-Warrantable condos, Co-Op, Rural up to 10 acres
1×30 allowed on mortgage
90% LTV on Purchase
85% LTV on Cash Out
Primary Residence, Second home, and Investment Property

Empower Full Doc

1 or 2 years of W-2’s or Tax Returns
FICO down to 660
Loan amounts up to 3million
Non-Warrantable condos, Co-Op, Rural up to 10 acres
1×30 allowed on mortgage
90% LTV on purchase
85% LTV on cash out
Primary Residence, Second home, and Investment Property

Conventional Loans

Guidelines

Conventional loans are loans that are not insured by the federal government. The borrower must have good credit, sustained employment, and income history, and be able to put down at least 3% of the total loan.

Conventional

Homestyle Reno

RefiNow

Manufactured Housing

VA Loans

Guidelines

VA Loans are loans insured by the U.S. Department of Veterans Affairs (VA) and are a guaranteed home buyer loan for military service members, veterans, and their spouses. Borrowers can finance up to 100% of the loan amount without a required down payment.

VA

IRRRL

Manufactured Housing

FHA Loans

Guidelines

FHA Loans or Government-Insured Federal Housing Administration Loans are often times used for low-to-median-income buyers when buying their first property when they cannot qualify for a conventional loan.

FHA

203K

Manufactured Housing

USDA Loans

Guidelines

USDA loans are low-interest mortgages with zero down payments designed for low-income Americans who don’t have good enough credit to qualify for traditional mortgages. You must use a USDA loan to buy a home in a designated area that covers several rural and suburban locations.

USDA Guaranteed

Manufactured Housing

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