Products and Guidelines

HTEM was created to make a difference. As a group of proven industry leaders who recently founded one of the largest and fastest growing Wholesale mortgage companies in the United States, we aim to change the stagnant landscape of Wholesale mortgage – one partnership, one loan, and one day at a time.

FHA APPROVED MORTGAGE

  • Minimum credit score:
    • 550 AUS approved,
    • 580 manual
  • Non-Credit Qualifying Streamline refinances allowed Gift funds allowed for down payment and closing costs
  • Cash out 80% LTV

VA MORTGAGE

  • Minimum credit score:
    • 550 AUS approved,
    •  620 manual
  • Cash-out up to 90% LTV
  • Foreclosure/Short Sale/Bankruptcy <2 years allowed with AUS Approval

USDA MORTGAGE

  • Minimum credit score: 620
  • 100% maximum LTV
  • No maximum loan amount
  • Rate/Term refinances allowed

Conventional
MORTGAGE

  • 620 min score
  • Fannie Mae
  • Freddie Mac
  • Standard and High Balance
  • Home Ready
  • Home Possible