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.


CHOICERenovation
Flexible and convenient renovation funding option for a new or existing home.
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.