× SOLUTIONS Delegated Correspondent Mini Correspondent Traditional Wholesale Hybrid Retail Sub-Servicing PRODUCTS Conventional FHA FHA 203K - Standard/Limited FNMA - HomeStyle / High Balance HomeOne HomeReady & Home Possible Manufactured Housing RefiNow / RefiPossible Towne Flex Jumbo1 Towne Flex-Non QM USDA/Streamline/Assist VA TRAINING TEAM TPO Sales Team Corporate Leadership COMMUNITY ABOUT US
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Hybrid Retail
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We are diverse in our product offerings and innovative in what we offer to ensure quality and service in all we do.

Conventional


  • Down payment as low as 3%
  • Income properties are eligible
  • Private mortgage insurance not required with 20% down payment or higher
  • FHA



  • Low down payment required
  • Allows seller to pay up to 6% of closing costs
  • FHA 203K -
    Standard / Limited *

    * 203K loans are not available in the State of Nevada


  • Low down payment options
  • Flexible credit guidelines
  • Ability to finance whole home remodel
  • FNMA HomeStyle
    / High Balance **

    ** FNMA HomeStyle is not available in the State of Nevada


  • Low down payment options
  • Ability to finance home purchase / refinance and remodel into one loan
  • Second Homes and Investment properties are eligible
  • HomeOne



  • No Income Limits
  • Low down payment option
  • Purchase or No Cash-out Refinance
  • HomeReady
    & Home Possible


  • Down payments can be gifts
  • PMI insurance cancellable
  • Borrow up to 50% of the
    appraised value of property
  • Manufactured
    Housing



  • Affordability
  • Single and multi-width
  • Available for traditional and government insured loans
  • RefiNow
    / RefiPossible



  • Loan must be securitized by Fannie Mae or Freddie Mac
  • Interest rate reduction programs designed especially for lower income borrowers
  • Towne Flex Jumbo1



  • Owner occupied, second home and investment properties eligible
  • No M.I.
  • First time homeowners eligible for a loan amount up to 2M
  • Purchase, (no) cash-out and refinance options available
  • Loan amounts up to 3M
  • Towne Flex-Non QM



  • Flexible solutions for investment properties, second homes and high balance loans
  • Underwritten in-house by Towne Mortgage
  • Based on DU and LP Findings
  • USDA/
    Streamline/Assist



  • 0% down payment requirement
  • Low monthly private mortgage insurance
  • Flexible credit guidelines
  • Sreamline Assist guidelines allowed
  • VA



  • 0% down payment required
  • No monthly mortgage insurance
  • Competitive interest rates
  • Continuous Growth

    We are excited to introduce new product offerings to your clients!

    Conventional
    FHA

    FHA 203K - Standard/Limited

    FNMA HomeStyle
    / High Balance

    HomeOne

    HomeReady &
    Home Possible

    Manufactured
    Housing

    RefiNow
    / RefiPossible

    Towne Flex
    Jumbo1

    Towne Flex
    Non QM

    USDA/
    Streamline/
    Assist

    VA

    Conventional




  • Down payment as low as 3%
  • Income properties are eligible
  • Private mortgage insurance not required with 20% down payment or higher
  • FHA




  • Low down payment required
  • Allows seller to pay up to 6% of closing costs
  • FHA 203K - Standard/Limited *




  • Low down payment options
  • Flexible credit guidelines
  • Ability to finance whole home remodel
  • FNMA HomeStyle
    / High Balance *




  • Low down payment options
  • Ability to finance home purchase / refinance and remodel into one loan
  • Second Homes and Investment properties are eligible
  • HomeOne




  • No Income Limits
  • Low down payment option
  • Purchase or No Cash-out Refinance
  • HomeReady & Home Possible




  • Down payments can be gifts
  • PMI insurance cancellable
  • Borrow up to 50% of the appraised value of property
  • Manufactured Housing




  • Affordability
  • Single and multi-width
  • Available for traditional and government insured loans
  • RefiNow
    / RefiPossible




  • Loan must be securitized by Fannie Mae or Freddie Mac
  • Interest rate reduction programs designed especially for lower income borrowers
  • Towne Flex
    Jumbo1




  • Owner occupied, second home and investment properties eligible
  • No M.I.
  • First time homeowners eligible for a loan amount up to 2M
  • Purchase, (no) cash-out and refinance options available
  • Loan amounts up to 3M
  • Towne Flex
    Non QM




  • Flexible solutions for investment properties, second homes and high balance loans
  • Underwritten in-house by Towne Mortgage
  • Based on DU and LP Findings
  • USDA/
    Streamline/Assist




  • 0% down payment requirement
  • Low monthly private mortgage insurance
  • Flexible credit guidelines
  • Sreamline Assist guidelines allowed
  • VA




  • 0% down payment required
  • No monthly mortgage insurance
  • Competitive interest rates