Prime Plus Program

Fill the Void for High Value Homes
Prime Plus opens the door to more borrowers whose mortgage amounts range above conventional limits. This A-paper loan delivers competitive rates and flexible terms for borrowers in more affluent neighborhoods. It fills a void in the restrictions around mortgages for higher value homes related to guidelines set by Fannie Mae and Freddie Mac.

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

  • Loan amounts up to $4M
  • DTI up to 50%* ((add to bottom) – *restrictions apply to DTI over 43%)
  • FICO beginning at 660
  • Reserves from 3 months on LTV of 60% or less
  • LTV to 90%, up to $2M (no MI), with 720 FICO
  • LTV to 85%, up to $2.5M (no MI), with 700 FICO
  • LTV to 80%, up to $4M (no MI), with 660 FICO
  • Up to 80% LTV cash out
  • Fixed and Adjustable Rate Mortgage (ARM) available
  • Condos and other properties allowed (warrantable condos only)
  • Interest-only available (not available in Texas)
  • 40 Year Fixed & 40 Year Fixed IO program options

Borrowers who struggle to meet conventional
loan requirements.*

*Based on reserves, payment history, and credit depth