Conventional Loans Done Right. Hope Street Funding & Realty Over $300M in closed transactions. Your Proven one stop shop to help you save!

If you are looking to remove your FHA Mortgage Insurance, you've come to the right place!

Who Can Refinance with a conventional loan?

If you have an FHA loan and looking to cash out, most likely you'll need this type of loan. Anyone who is currently employed and has sufficient income to pay for the loan, and is paying off debt. If you're refinancing to cash out to pay some bills, or want to work on your business idea, or remove someone from the loan or title, also if you are considering removing the mortgage insurance, it is also the type of loan that you'll need. Our "agency" conventional loans have the lowest rates in the market.

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AGENCY CONVENTIONAL- REFI OR PURCHASE (10-30 YEAR FIXED)

Minimum Loan Amount $125,000
Maximum Loan Amount to County Loan Limit
Manufactured Housing Okay
Removes Mortgage Insurance if Refinancing
Max Cash Out to County Loan Limit
Purchase/Refinance
Owner Occupied/Investment/Second Home
700+ FICO, up to 85% LTV
2nd Home, Investment to 85% LTV, 45% DTI SFR-4 Units
Mortgage Insurance is Removed when LTV is 79.99% or less.
40%-55% DTI depending on FICO, & LTV
Competitive Rates
Flexible Terms (8-30 years)
No Pre-Payment Penalties
30 year amortization
Ideal for primary purchases & Owner Occupied
Wage Earner (W2) or Self-Employed
SWT (Single Wide Trailers), MWT(Multi Wide Trailers), Condo's, PUD's, SFR's, SFR 1-4 units
Close most loans in less than 19 days or less
Lowest Mortgage Insurance Cost in the Country
2-3 Month Minimum Reserves, depending on automated finding

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3% to 5% Conventional Loan Purchase

Anyone who has enough income to place a 3% to 5% down or so, you have to qualify and have the income to service this debt, is ideal for this loan. Young professionals to seasoned executives qualify to use this loan.

You can purchase with 3% down using conventional loans and depending on county loan limits.

Who is this conventional loan good for? It's good for someone who wants to lock in a higher loan amount, higher than the traditional FHA loan will go, up to $970,800 in certain counties for a single family residence purchase. This places you above the FHA loan limit, and it places you in programs with 3%-5% down. If you enter the purchase with 10% down, we guarantee you the lowest rate, and the lowest mortgage insurance in the country.

Who Can Refinance with a conventional loan?

AGENCY HSF 20% Down Purchase (10-30 YEAR FIXED)

No MI (Mortgage Insurance)
Purchase Prices Upwards of $1,007,300.
Terms/Conditions Same As Above
Best Guaranteed Rate
Lower Rates than retails banks, federal or local credit unions, or middle market lenders
No Pre-Payment Penalties
30 year amortization
Wage Earner (W2), Corporations, Owner Users, Investors, Real Estate Property Managers, Realtors, Doctor's, Accountants, Professionals, Self-Employed
20% DOWN
1 Month Minimum Reserves, depending on automated findings

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FLEX LOAN TERMS

Available on all loans, owner occupied, second homes, investor loans
As low as 8 Years
Custom to your current remaining years, so you lock in the new lower rate with the same years left on your current mortgage
22 Years, 18 Years, 19 Years, 27 years, highly customizable loans to meet your needs

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AGENCY HSF ARMS (5-, 7- AND 10-YEAR)

We have our 5-, 7- and 10-year adjustable-rate mortgages
- Conventional 5, 7, and 10 year
  - 700+ FICO, up to 80% LTV
  - Primary, second, and investment properties on purchase, rate/term and cash out refinance
  - $125,000 minimum loan amount
- Conventional 5, 7, and 10 year
  - 640+ FICO, up to 95% LTV
  - Primary, second, investment, purchase, rate/term and cash out refinance
- Conventional High Balance 5, 7, and 10 year
  - 700+ FICO, up to 80% LTV
  - Primary, second, and investment properties on purchase, rate/term and cash out refinance
  - Loan amounts from $647,200 up to county loan limit
- Conventional High Balance 5, 7, and 10 year
  - 640+ FICO, up to 95% LTV
  - Primary, second, investment properties on purchase, rate/term refinance and cash out refinance
  - Loan amounts from $647,200 up to county loan limit

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REFINANCE & Remove Mortgage Insurance

HSF's exclusive loan product that REMOVES mortgage insurance on conventional loans with a higher loan to value between 80% and 89.99%.

Conventional 30-year fixed only; Flex Term not available
Available for primary and second home purchases and rate/term refinances
LTV between 80.01 and 89.99%
Up to 45% DTI
680+ FICO
Loan amounts starting at $200,000
Free MI Loan Program for High High Balance Loans for loan amounts over the county loan limits

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AGENCY HSF 3% DOWN (PURCHASE LOAN)

Ideal for the first-time homebuyers with the 3% Down program.

Purchases LTV to 97%
Lower Payments than FHA
Lower Mortgage Insurance Payments than FHA
W2 or Self Employed, Doctor, CPA, Professionals
No Income Restrictions
Available in CA, FL,CO
Lowest Mortgage Insurance in the Country
Eligible for single family homes, including townhouses and condos
At least one borrower must be a first time homebuyer
Loan will close in less than 10 Days
Available on single- and multi-wide, condos and PUDs for Manufactured Homes with LTV up to 95%
Maintain your assets and lever the property for higher return on investment for first time home buyers in luxury or secondary markets