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With our loan expertise you have many solutions.

A LEADER IN LOAN OPTIONS

High Five Lending's fast and simple mortgage solutions enable you to grow your business by financing prime borrowers others can't. Our proprietary loan programs allow you to close more deals and to close each deal faster with our simple underwriting process.

Finance prime borrowers your competitors can't.

Our process is simple, effective, and proven.  Our Conventional, VA, FHA, Jumbo, Community, and various Portfolio loans are highlighted below.  Just follow our three steps for success!  Reach out to our team for any questions on our products.

 

2

Review Loan Choices

Look over the advantages and requirements of our loan choices to find the perfect fit.  We specialize in VA loans!

3

Fill Out Application

Click the button at the bottom of our page and let us get working on a pre-approval for you today!

1

Calculate Payments

Use our simple mortgage calculator to help determine the loan amount to be requested.

Monthly Mortgage Payments

mortgage calculator with pmi, insurance and taxes.

Traditional loan options...

CONVENTIONAL
FICO of 620DTI of 50%As little as 3% down /PMI until 20%Loan Limits for 2023 Loans up to $1,089,300 for 1 unitLoans up to $1,394,775 for 2 untsLoans up to $1,123,900 for 3 untsLoans up to $2,095,200 for 4 unts
VA
Typically no down-paymentCompetitively low interest ratesLimited closing costsNo PMI required
FHA
FICO of 500-579 with 10% downFICO of 580 with 3.5% downVerifiable employment history for the last two yearsVerifiable income through pay stubs, federal tax returns and bank statementsUsed for primary residenceAppraisal by an FHA-approved appraiser /meets HUD guidelinesFront-end debt ratio of no more than 31 percent of gross monthly income.Back-end debt ratio of no more than 43 percent of gross monthly income
Jumbo
Low DTIFICO of 72010% Down PaymentVerifiable 6-12 Months reservesHigher loan limits that conventional loans
Community
Income documentation not requiredIncome not statedPrimary residence & second homesCredit underwritten based on LTV, FICO and liquidityDebt-to-income (DTI) not calculatedAsset seasoning 30 daysLoan amounts up to $3MUp to 80% LTVFICO beginning at 640Reserves from 3 months

Portfolio loan options...

The community mortgage
Income documentation not requiredIncome not statedPrimary residence & second homesCredit underwritten based on LTV, FICO and liquidityDebt-to-income (DTI) not calculatedAsset seasoning 30 daysLoan amounts up to $3MUp to 80% LTVFICO beginning at 640Reserves from 3 months
foreign national
Loan amounts up to $2.5MQualify using debt service coverage ratio (DSCR)No credit score requiredLTV up to 70%No-DSCR option availableAsset seasoning 60 days minimum in a U.S. banking institutionFixed and adjustable rate mortgages (ARM) available
investor
DSCR > 100% or No RatioLoan amounts up to $3.5MLoan-to-value (LTV) ratios up to 85% for purchase and cash out to 75% (DSCR>100%)Interest-only financing availableAsset seasoning: 30 days (no gifts)Vest in LLCForeclosure/short sale/deed-in-lieu seasoning: 36 monthsBankruptcy seasoning: 24 monthsFast closingsFICO beginning at 680
EZ Prime
Loan amounts up to $3MQualifying based on reserves: 60 months with FICO of 740 / 84 months with FICO of 700Asset seasoning 30 daysLTV up to 80% on Purchase/Rate & Term RefinanceLTV up to 75% on Cash Out RefinancePrimary and secondary residencesForeclosure, short sale, and bankruptcy seasoning: 48 monthsFixed and Adjustable-Rate Mortgage (ARM) options availablle
Alternative Documentation
Flexible qualification methods1099 onlyW-2 OnlyOne-year tax return12 Month bank statementAsset qualifierGuidelinesLTV up to 90% for purchase/ rate-and-term/DTI up to 50%Loan amounts up to $4MReserves from 6 monthsAvailable for primary residence or second homeInterest-only payments availableFICO beginning at 660
PRIME PLUS
Loan amounts up to $4MDebt-to-income (DTI) up to 50%FICO beginning at 660Reserves from 3 months on LTV of 60% or lessFixed and adjustable rate mortgages (ARM) availableCondos and other properties allowed (warrantable condos only)Interest-only available (not available in Texas)Vest in an LLC (investment only)Purchase/rate-and-term/cash-outPrimary/second home/investmentMax LTV up to 90% on primary residences

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