A Loan for Every Home
EPM PRODUCTS
![EPM - Hot Loan Program EPM - Hot Loan Program](https://www.epmwholesale.com/wp-content/uploads/2022/11/hotLoanProgram-001.png)
![EPM-Wholesale - Empowered DPA Loan EPM-Wholesale_Empowered_DPA-loan](https://www.epmwholesale.com/wp-content/uploads/2022/12/EPM-Wholesale_Empowered_DPA-loan.png)
Empowered DPA Loan
Down Payment Assistance
A forgivable government grant of either 2% or 3.5%.
![EPM-Wholesale - CalHFA Loan EPM-Wholesale_CalHFA_loan](https://www.epmwholesale.com/wp-content/uploads/2022/12/EPM-Wholesale_CalHFA_loan.png)
CalHFA
For CA first time home buyers. Provides a 3% or 3.5% down payment plus up 3% toward closing costs.
![EPM-Wholesale - FHA Loan EPM-Wholesale_FHA_loan](https://www.epmwholesale.com/wp-content/uploads/2022/12/EPM-Wholesale_FHA_loan.png)
FHA
No overlays!
![EPM-Wholesale - VA Loan EPM-Wholesale_VA_loan](https://www.epmwholesale.com/wp-content/uploads/2022/12/EPM-Wholesale_VA_loan.png)
VA
We love our Vets. No overlays!
![EPM-Wholesale - USDA Loan EPM-Wholesale_USDA_loans](https://www.epmwholesale.com/wp-content/uploads/2022/12/EPM-Wholesale_USDA_loans.png)
USDA
100% financing in select areas.
![EPM-Wholesale - Conventional Loan EPM-Wholesale_Conventional_loan](https://www.epmwholesale.com/wp-content/uploads/2022/12/EPM-Wholesale_Conventional_loan.png)
CONVENTIONAL
Fast, hassle-free service.
![EPM-Wholesale - Non-QM Loan EPM-Wholesale_Non-QM_loan](https://www.epmwholesale.com/wp-content/uploads/2022/12/EPM-Wholesale_Non-QM_loan.png)
Non-QM
Loans outside the box! Use your assets as income.
![EPM-Wholesale - Jumbo Loan EPM-Wholesale_Jumbo_loans](https://www.epmwholesale.com/wp-content/uploads/2022/12/EPM-Wholesale_Jumbo_loans.png)
Jumbo Express
Multiple options for your Jumbo client’s needs.
![new-loan-product EPM Wholesale - New Loan Product](https://www.epmwholesale.com/wp-content/uploads/2022/09/new-loan-product.png)
![EPM Wholesale - CHOICERenovation EPM Wholesale - CHOICERenovation](https://www.epmwholesale.com/wp-content/uploads/2022/12/EPM-Wholesale_Freddie_Mac_loan.png)
CHOICERenovation
Flexible and convenient renovation funding option for a new or existing home.
![EPM-Wholesale - HomeReady Loan EPM-Wholesale_HomeReady_loan](https://www.epmwholesale.com/wp-content/uploads/2022/12/EPM-Wholesale_HomeReady_loan.png)
HomeReady
Ideal for first-time home buyers.
![EPM-Wholesale - HomePossible Loan EPM-Wholesale_HomePossible_loan](https://www.epmwholesale.com/wp-content/uploads/2022/12/EPM-Wholesale_HomePossible_loan.png)
Home Possible
Ideal for first-time home buyers.
![new-loan-product EPM Wholesale - New Loan Product](https://www.epmwholesale.com/wp-content/uploads/2022/09/new-loan-product.png)
![EPM Wholesale - Good Neighbor Next Door Loan EPM-Wholesale_Good_Neighbor_Next_Door_loan](https://www.epmwholesale.com/wp-content/uploads/2022/12/EPM-Wholesale_Good_Neighbor_Next_Door_loan.png)
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.
![new-loan-product EPM Wholesale - New Loan Product](https://www.epmwholesale.com/wp-content/uploads/2022/09/new-loan-product.png)
![EPM Wholesale - FHA $100 Loan EPM-Wholesale_FHA_100_loan](https://www.epmwholesale.com/wp-content/uploads/2022/12/EPM-Wholesale_FHA_100_loan.png)
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.
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.