FHA and VA Min FICO 550 | Manual Underwriting OK | No Pricing Hit! Leverage Non-QM | Bank Statements | Up to $5M Loan Amount | Up to 90% LTV HomeOne, HomeReady & Home Possible... Up to 97% LTV Agency & Jumbo Fallout: Choice Products | Now You Have More Choices! Become an Approved Broker In Just 2 Easy Steps! | Click Here to Learn More Sign Up To Stay in Touch! | Click Here FHA 203(h) | Purchase | 100% LTV | Min FICO 560

Royal Pacific Funding is a service first company, built on the philosophy of offering outstanding service on a wide range of products to fill your client’s needs. Click on one of the products below to learn more about how we can help with your individual borrower needs. We think you’ll be pleased with our current product lineup but watch this page for new and exciting programs that we have coming your way in the very near future to help increase your monthly volume.

FHA

FHA Standard

FHA Streamline

FHA 203 (h)

CalHFA CalPLUS | FHA

550 min FICO | No Overlays | Manual UW’s OK | W2 Only Transcripts Allowed | Manufactured Homes Allowed and More…

VA

VA Standard

VA IRRRL

550 min FICO | Manual UW’s OK | DTI Up to 50% | Manufactured Homes Allowed and More…

Conventional

Fannie Mae

Fannie Mae | HomeReady

Fannie Mae | Durp/Harp

Freddie Mac

Freddie Mac | Open Access

Freddie Mac | Home Possible

Freddie Mac | 85% Cash-Out

CalHFA CalPLUS | Conventional

620 min FICO | Up to 97% LTV | No Overlays | Manufactured Homes Allowed | Mortgage Lates OK w/ AUS Approval | W2 Only Transcripts Allowed and More…

Leverage | Non-Agency

Leverage Prime | Non-QM

O/O & 2nd Homes, Qualify with 12/24 mos Full Doc OR 12/24 mos Business Bank Statements, min FICO 660

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Leverage Lite | Non-QM

O/O & 2nd Homes, Qualify with 12/24 mos Full Doc OR 12/24 mos Business Bank Statements, min FICO 500

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Leverage Investor | Non-QM

Investment Properties, Qualify with 12/24 mos Full Doc OR 12/24 mos Business OR Personal Bank Statements, min FICO 540

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Leverage Investor DSCR | Non-QM

Investment Properties, DSCR/NIVA/NINA, Qualify at any Debt-Service Coverage Ratio


Pivot | Non-Agency

Pivot Plus / Core | Non-QM

Bank Statement or Asset Utilization | 90% LTV to $2.5M | 580 min FICO | Up to 55% DTI | Cash-out | Interest Only Available and More…

Choice | Non-Agency

Choice Advantage Plus

Choice Advantage

Choice Alternative

Choice Ascent

Choice Investor

Up to 95% LTV | NO M.I. to $3M with a 680 FICO Up to 50% DTI | 100% Gift Funds: Down Payment, Cost & Reserves and More…

RPF Reverse Mortgage

ELIMINATE MONTHLY MORTGAGE PAYMENTS | Provide Tax Free Cash from the Equity of Their Home | Pay for Medical Expenses and/or Long Term Care and More…

Contact your AE for details | Have an AE contact me

Jumbo

Core Jumbo (Coming Soon)
Contact your AE for details | Have an AE contact me