EZ Prime Program

Ideal for borrowers with a strong credit profile and ample reserves

Empowering the dreams of diverse homeowners and underserved communities by providing non-traditional access to prime capital for underbanked borrowers and communities.

EZ Prime offers quick qualifying based on loan-to-value, FICO, and liquidity. It features great rates for borrowers with a strong credit profile and ample reserves, eliminating unnecessary documentation for the credit underwriting decision. With EZ Prime, income is not verified and debt-to-income is not calculated.

Download our Program Guide and EZ Prime Eligibility Matrix to learn more.

  • Primary and secondary residences
  • Loan amounts up to $3M
  • Quick qualify based on reserves:
    • 60 months with FICO of 740
    • 84 months with FICO of 700
  • Asset seasoning 30 days
  • Loan-to-value (LTV) up to 80% on Purchase/Rate & Term Refinance
  • LTV up to 75% on Cash Out Refinance
  • Foreclosure, short sale, and bankruptcy seasoning: 48 months
  • Fixed and Adjustable-Rate Mortgage (ARM) options available
Ideal for borrowers with a strong credit profile and ample reserves.