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Plaza’s National Correspondent product mix is comprehensive – designed to fit your business today and help you expand into new markets tomorrow. From government programs, Jumbo loans, Non-QM, DSCR, renovation loans or reverse mortgages, we have what you need. Plus, every loan purchased by Plaza is covered under the Certified Loan Program to help mitigate loss on buybacks due to manufacturing defects and fraud and misrepresentation by both employee and borrower, at no additional upfront cost.

When you work with Plaza, we work hard for you on every loan, every time.

  • CLTV to 85% (80% in TX)
  • Loan amounts from $50,000 to $500,000
  • FICO from 680
  • Full Doc and Bank Statement Options 
  • 15, 20 & 30-year fixed rate
  • 1-unit SFR/PUD & Condos
  • Primary Residence & Second Home
  • Maximize available equity 
  • AVM in lieu of appraisal for loan amounts up to $250,000
  • Available in all 50 states
  • Agency Express submissions on eligible programs; close in as few as 10-15 days
  • 97% LTV, FICO per DU® and LPA® – 95% on High Balance/Super Conforming*
  • Up to 80% LTV on cash-out
  • Non-occupant co-borrower
  • Primary, second home, investment
  • 1-4 unit, PUD, condo, Co-op, manufactured
  • Conforming/Super Conforming ARMs: 5/6, 7/6 and 10/6 terms
  • 2-1, 1-0 Seller paid buydown on fixed; primary and second home
  • LLPA waivers available – quickly check your AMI limit in Quick Pricer
  • Loan amounts from $100,000 to $3,000,000
  • Minimum DSCR as low as .750
  • 30-Year Fixed and 40-Year Fixed Interest-Only options
  • First-time and experienced investors eligible
  • Prepayment penalty options: 0, 1, 2, 3, or 5 years (6 months interest or 5% Fixed)
  • Purchase or refinance for business purposes
  • Three pricing tiers to fit nearly any scenario
  • Construction must be 100% complete with permanent loan terms in place
  • 18-month max construction term total
  • Fannie Mae guidelines apply
  • Re-underwriting generally not required at time of conversion
  • Detached SFRs, PUDs, and Condos
  • Up to 95% LTV/CLTV | Credit & DTI per DU
  • 97% LTV, FICO per DU – 95% on High Balance
  • PIW accepted, per DU
  • 1-4 Unit, PUD, condo, Co-op, manufactured
  • Income from Accessory Dwelling Units and Boarder Income acceptable
  • Gift funds acceptable
  • More affordable MI
  • Lower loan-level price adjustments
  • 2-1, 1-0 Seller paid buydown on purchase
  • 95% LTV of the “as-completed” value
  • 97% LTV for FTHB or FNMA retained loan refinance
  • 85% LTV on 1-unit investment, 90% on a 1-unit second home
  • Owner-occupied 1-4 unit, PUD, condo, manufactured
  • Luxury renovations, like pool or outdoor living area
  • Streamlined program available for pool, pool decking, or fencing/netting only
  • Eligibility expanded for borrowers at or below 100% of AMI
  • Borrower credit up to $500 for an appraisal (if applicable)
  • 97% LTV, FICO per LPA – 95% on Super Conforming
  • Automated Collateral Evaluation (ACE) accepted
  • 1-4 unit, PUD, condo, Co-op, manufactured
  • Gift funds acceptable
  • More affordable MI
  • Lower loan-level price adjustments
  • 2-1, 1-0 Seller paid buydown on purchase
  • FHA first lien PLUS concurrent second lien for 100% CLTV
  • Minimum 600 FICO
  • First-lien loan terms from 25-30 years 
  • No First-Time Home Buyer requirement
  • No Income Limits
  • Easy Underwrite! First lien and second lien have the same guidelines
  • AUS approval required (no manual underwriting)
  • Eligible in all states except NY
  • Min FICO of 550
  • LTV up to 96.5%
  • Single-family homes, PUDs, detached condos, and manufactured housing
  • All construction must be complete, and the loan must be converted to permanent financing
  • Loans must meet all FHA requirements and be endorsed at the time of Plaza purchase
  • FHA Express submissions on eligible programs; close in as few as 10-15 days
  • 550 min FICO
  • Purchase, Rate/Term, cash-out, Streamline
  • Attached/detached SFR, 2-4 unit, manufactured
  • Single-Unit Approved condos, DELRAP available
  • Good Neighbor Next Door and HUD $100 Down
  • Manual underwrite on AUS Refer
  • 5/1 Treasury ARM
  • 2-1, 1-0 Seller paid buydown on fixed
  • 620 FICO, even on High Balance
  • Purchase or Refinance
  • SFR, PUD, condo, 2-4 Unit, manufactured
  • Manual underwriting available
  • Update kitchen/bath, modernize, deferred maintenance
  • Appraiser required repairs allowed
  • Interest-only payments for the first 10 years, followed by a 20-year amortized term (fixed rate 30-year total loan term)
  • Borrowers qualify using a 30-year amortized payment
  • Loan amounts available from $100,000 to $1,500,000
  • LTV to 80% including refinances
  • Maximum 10 Financed Properties
  • FICO from 660
  • Loan amounts to $3 million
  • DU/LPA + FNMA/FHLMC guidelines for standardized doc requirements
  • Up to 80% LTV, FICOs to 680
  • 15 & 30 year fixed; 7/6 and 10/6 hybrid ARM
  • Primary, second home or investment property
  • Purchase, Rate/Term, Cash-out
  • Gift funds allowed and reduced reserve requirements
  • Loan amounts to $2.5 million
  • DU + FNMA guidelines for standardized doc requirements
  • Up to 80% LTV, FICOs to 680
  • 30, 25, 20 year fixed
  • Primary, second home or investment property
  • Purchase, Rate/Term, Cash-out, Delayed Financing, Texas Cash-out
  • Loan amounts from $600k - $2 million
    • Agency eligible loans $600k and up allowed
  • 7/6 and 10/6 Hybrid ARM
  • DU® for standardized doc requirements
  • Primary residence - 1-unit SFR, PUD, Condo
  • Purchase, Rate/Term, Cash-out
  • Purchase and R/T to 80% LTV
  • First Time Homebuyers eligible for up to $1,250,000 with minimum 740 credit score
  • Reduced reserve requirements
  • Loan amounts to $2.5 million
  • FICOs from 680
  • High Balance Loan Amounts Eligible
  • Asset Depletion allowed
  • LTV to 85%
  • 20, 25 & 30 Year Fixed
  • Purchase, Rate/Term, Cash-out
  • Primary, second home or investment property
  • SFR, Condo, Co-op, PUD, 2-4 units
  • 600 FICO, 100% LTV
  • Purchase, R/T, Streamline, Streamlined-assist
  • Single family non-farm residence, USDA Eligible
  • Attached/detached SFR, PUD, manufactured
  • Condos – Fannie Mae, Freddie Mac, HUD or VA eligible
  • 2-1, 1-0 Seller paid buydown
  • 620 FICO, 100% LTV on purchase
  • USDA Eligible property
  • Owner-occupied, detached SFR/PUD
  • Closing costs & upfront guarantee fee may be financed**
  • FHA HECM
  • Purchase or refi
  • Max Claim Amount $1,209,750
  • Borrower education required
  • LTVs to 90% with no MI
  • DTI to 55%
  • Standard Documentation: 24 or 12 Month
  • Bank Statement Income: 24 or 12 Month (Personal or Business)
  • P&L prepared by CPA or Enrolled Agent: 24 or 12 Month
  • 1099: 1 or 2 Years
  • Asset Utilization
  • Interest-only and fully amortized products
  • Non-occupant borrowers allowed, max 80% LTV
  • Three pricing tiers to fit nearly any scenario

3-2-1, 2-1 and 1-0 seller-paid buydowns available on:

  1. Fannie Mae®/Freddie Mac, HomeReady® and Home Possible

  2. USDA, FHA, FHA High Balance, VA and VA Jumbo loan programs.

Plus, 2-1 and 1-0 buydowns available on:

  1. Jumbo Elite

  2. All renovation loan programs

  • 550 FICO, up to 100% LTV to $1M
  • Jumbo to $2.5 million – 90% LTV, 700 FICO
  • Purchase or cash-out
  • Attached/detached SFR, 2-4 unit, PUD, VA-approved condo, manufactured
  • HUD-owned (REO) properties that meet HUD MPRs
  • Manual underwrite on AUS Refer
  • 5/1 Treasury ARM
  • 2-1, 1-0 Seller paid buydown on fixed
  • 550 FICO up to $1 million
  • Jumbo to $2.5 million
  • Primary, second home, investment
  • Attached/detached SFR, 2-4 unit, PUD, condo, manufactured
  • No income verification in most cases
  • Up to 100% LTV purchase. 90% on refi
  • Jumbo amounts up to $970,800 nationwide
  • Improvements, including luxury items, that can be completed in 4 months
  • 620 FICO
  • Up to $50K toward rehabilitation or remodeling

For more information, please contact your Plaza Sales Executive for more details, call us at 866.260.2529 or email us at hereforyou@plazahomemortgage.com.

 

This information may not highlight all requirements; refer to Plaza's program guidelines. Plaza's programs neither originate from nor are expressly endorsed by any government agency.

*Plaza’s guidelines for LPA loans > 95% LTV incorporate Freddie Mac’s HomeOne program.

**Restrictions apply. See USDA Renovation guidelines for full details.

This information is provided by Plaza Home Mortgage, Inc. as a courtesy to its mortgage professional clients and the public and is meant for instructional purposes only. None of the information provided is intended to be legal advice in any context. Plaza does not guarantee, warrant, ensure or promise that information provided is accurate. Terms and conditions of programs and guidelines are subject to change at any time without notice. Any unauthorized use or distribution of this information is strictly prohibited. This is not a commitment to lend.

® 2026 Plaza Home Mortgage, Inc. Plaza Home Mortgage and the Plaza Home Mortgage logo are registered trademarks of Plaza Home Mortgage, Inc. All other trademarks are the property of their respective owners. All rights reserved. Plaza Home Mortgage, Inc. is an Equal Housing Lender. Plaza NMLS 2113