A Loan for Every Home
EPM PRODUCTS
Empowered DPA Loan
Down Payment Assistance
A forgivable government grant of either 2% or 3.5%.
CalHFA
For CA first time home buyers. Provides a 3% or 3.5% down payment plus up 3% toward closing costs.
FHA
No overlays!
VA
We love our Vets. No overlays!
USDA
100% financing in select areas.
CONVENTIONAL
Fast, hassle-free service.
Non-QM
Loans outside the box! Use your assets as income.
Jumbo Express
Multiple options for your Jumbo client’s needs.
HomeReady
Ideal for first-time home buyers.
Home Possible
Ideal for first-time home buyers.
Good Neighbor Next Door
50% discount from the list of the home for law enforcement officers, teachers (pre-Kindergarten through 12th grade) firefighters, and emergency medical technicians.
FHA $100 Down
The FHA $100 down payment program is available to anyone who wishes to purchase a HUD home as their primary residence and can meet the basic qualifications for an FHA loan. It is essentially a no down payment mortgage program.
New Loans
Submitted to Underwriting
2 Business Days
Clear to Close
2 Business Days
Partial Conditions
3 Business Days
EPM Purchase Promise
Your Partner for Delivering More
Have a question about a loan?
We are ready to assist you with any loan scenario you may have.