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(866) 606-4334 info@iffghomeloans.com NMLS ID: 129777

PRODUCTS & PRICING

Flexible & Competitive Pricing Model

Work directly with management to carve out a model that will make you competitive in your market.
• Entrepreneurial Pricing model
• We hedge 95% of our pipeline allowing for more aggressive pricing structures

Differentiate yourself in the market with proprietary products including a full non QM suite underwritten in house

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Conforming Products

  • 20+ correspondent lenders
  • Medical Doctor Loan Program, use future income to qual & exclude student debt
  • 97% financing available (Home Ready/Home Possible) with PMI & condos (first-time buyers only)
  • Fixed Rate & HELOC 2nds available with Piggy Back transactions to 95% CLTV
  • DU Refi Plus and Freddie Mac Open Access programs
  • Fannie Mae Homestyle Renovation Program
  • Long-term rate locks available
  • Credit Scores Down to 620
  • Ability to broker loans

Non QM (IFFG Specialty Lending Division)

  • 24 Month Bank Statement Programs to 85% & 2 Million
  • 12 Month Bank Statement Programs to 80% & 2 Million
  • Stated Income Programs to 75%
  • Asset Depletion to 75%
  • Non Warrantable Condos to 75%
  • Jumbo to 90% no PMI
  • Foreign National to 75%
  • Interest Only to 80%
  • Multi Family/Commercial Lending
  • Reverse Loans (brokered)

FHA

  • FHA Streamline non-credit qualifying options
  • 20+ correspondent lenders
  • FHA High Balance available
  • No minimum trade line requirements
  • 203k Full and Streamline options
  • 1 Time Close Construction to Perm (stick built & manufactured)
  • Manual underwrites available
  • Credit Scores to 580
  • Ability to broker loans

VA & USDA

  • 15+ correspondent lenders
  • IRRRLs
  • VA Jumbo
  • 1 Time Close Construction to Perm (stick built & manufactured)
  • Manual underwrites available
  • Credit Scores to 580
  • Ability to broker loans

Jumbo

  • 14+ correspondent lenders
  • Non-warrantable condo options
  • 90% LTV on SFR/condo to $850,000 as fixed or ARM
  • 85% LTV with no monthly MI on SFR/condo to $1,500,000 as 30 year fixed
  • 80% LTV to $2,500,000
  • 70% LTV to $3,000,000
  • ARM interest only

State Bond Programs

  • DPA & MCC programs available
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