SmartEdge provides non-traditional features and flexible guidelines such as alternative income qualification and interest-only payments.
This loan product is attractive jumbo mortgage option for those who are unable to secure lending due to a recent credit event or looking to purchase or refinance a non-warrantable condo.

Key Features and Benefits:
For borrowers who don’t qualify for standard jumbo loans

  • Credit scores as low as 660 FICO
  • Up to $3 million loan amounts
  • Can have one late mortgage payment over the last 12 months
  • DTI up to 50%
  • 30-year fixed-rate and 30-year interest-only fixed rate terms available
  • 5/6, 7/6, 10/6 ARMs with interest-only options


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