4 Hutton Centre Dr., Suite 500 Santa Ana, CA 92707
Toll-Free: 1-800-900-7040
Mon - Fri: 9AM - 6PM PST
Comprehensive
Loan Programs
From Conventional Loans, FHA, VA, to Non-QM, HomeMac has the diverse and growing catalog of loan programs that can make your deals possible.
HomeMac is proud to be a lender that can provide home financing options to a highly diverse range of borrowers, nationwide.
Conventional
- High LTV Options: Up to 97% LTV for qualified borrowers
- Flexible credit requirements: Min. FICO’s vary by product, with a minimum of 620
- Community Second OK: Up to 105% CLTV in specific cases
- Multiple Occupancy Types: Owner-occupied, second homes, investment properties supported!
Conventional Matrices:
- Fannie Mae
- Freddie Mac
- CalHFA - Conventional
- CalHFA - Government
Questions about our programs?
Homemac’s loan programs open up whole new possibilities for our partners – new markets, new borrowers, more ways to qualify.
We’re happy to give you the details, reach out below!
FHA
- Low Down Payment: As low as 3.5%!
- Lenient Credit Standards: Minimum FICO starting at 580
- Higher DTI Tolerance: More flexibility with dept-to-income ratios.
- Manual Underwriting Available: For borrowers who don’t qualify through automated systems.
FHA Matrices:
- FHA
- FHA Streamline
- FHA 200
- FHA Premier
- FHA 100
VA
- Zero Down Payment: No down payment required for eligible borrowers!
- No PMI: No private mortgage insurance needed!
- Competitive Rates: Lower than conventional loans
- Flexible Guidelines: Accommodates lower credit scores and higher DTI ratios.
VA Matrices:
- VA
Non-QM
- Bank Statement Programs: Ideal for self-employed borrowers!
- Expanded DTI and Credit Flexibility: Allowing for higher ratios, easier qualifications, and alternative documentation!
- Interest-Only Options: Great for investors, self-employed, prioritizing property cash flow.
- Asset Depletion: For investors and individuals with high but irregular income, convert assets into qualifying income.
- DSCR: Available for investor business purpose, qualify using property cash flow. Min DSCR 1.0
Non-QM Matrices:
- Prime
- Prime +
- Prime Seconds
- Prime + DSCR
- Non-Owner Prime
- Investor No Ratio
Additional Programs
HomeMac offers a variety of financing options that lie outside the norm for most borrowers:
- Faith Based Financing: Do you have borrowers with religious or ethical considerations? Ask about our faith based financing options!
- Solar DPA: Client’s looking to build value by installing solar? This deal can help them finance it!
- Reverse Mortgages: Homeowners over age 62 can convert home equity into cash, without monthly payments!
- Renovation Loans: Build, Fix, and Finance with HomeMac’s renovation loan options!
- USDA & Rural Programs: Enjoy competitive rates and DPA for rural subject properties!
Always Improving our Game
HomeMac is constantly chasing improving our programs and introducing new options.
Got a deal you’d like to bring here? Reach out to us today!
Here to help you Grow
Connect with us today | Elevate your lending Career
Visit our Office
4 Hutton Centre Drive, Suite 500, Santa Ana, CA 92707
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Tell us about you and how we can help!
Call Us!
TOLL FREE
(800) 700-7885
- 4 Hutton Centre Dr # 500 Santa Ana, CA 92707
- (800) 900-7040
- Mon-Fri 9:00AM – 6:00PM (PST) | Sat-Sun: Closed
- info@HomeMAC.com
Underwriting Support:
uwscenario@homemac.com
For Any Questions or Comments:
(800) 700-7885
Home Mortgage Alliance Corporation (HMAC) is a Military Trusted Business
NMLS License # 1165808
NMLS Consumer Access
Home Mortgage Alliance Corporation (HMAC). Equal Housing Lender. NMLS ID 1165808. Licensed by the Department of Financial Protection and Innovation (DFPI) under the California Financing Law, CFL License # 603L284, and the California Residential Mortgage Lending Act, CRMLA License # 41DBO-134495. For other states, visit www.homemac.com/licensing-and-disclaimer. To verify licenses, visit www.nmlsconsumeraccess.org. This is not a commitment to lend. All loans are subject to credit approval and acceptable collateral. Additional terms and conditions apply. Programs, rates, terms, and conditions may change without notice. There is no guarantee that all borrowers will qualify. Restrictions may apply. HMAC and its loan products are not affiliated with, sponsored or endorsed by a government agency. Not available in all states. Phone: 866-275-2677 | 4 Hutton Centre Dr., Ste. 500 Santa Ana, CA 92707 | 714-417-9895 (Nationwide) | www.homemac.com. © 2025. Home Mortgage Alliance Corporation. All rights reserved.