FAM TPO Lending Products

Diversified lending products designed to help you attract more qualified borrowers

We offer a wide range of conventional, government, jumbo, non-QM, reverse, and HELOC wholesale mortgage loan products. Our diverse offerings give you an edge to stand out from the competition.

Conventional DU

Finance of America Mortgage TPO offers Conventional DU loan programs designed to allow your borrowers to have an advantage in competitive purchase or refinance situations. Conventional DU loan programs give your borrowers a complete financial picture of their options. The DU products align closely with Fannie Mae’s guidelines.

Conventional LPA

Finance of America Mortgage TPO offers the Conventional LPA loan program for your qualified borrowers. The LPA products align closely with Freddie Mac’s guidelines.

HELOC

Finance of America Mortgage TPO offers the Home Equity Line of Credit (HELOC) to our broker partners. Our HELOC is a simultaneous 10/20 Home Equity Line of Credit combined with the first trust deed. It offers your borrowers the flexibility to take additional draws, and the line remains open so they can access their equity to spend as they wish.

FHA PLUS

FHA Plus Mortgage through Finance of America Mortgage TPO offers your borrowers the ability to combine a first and second mortgage, purchase a primary residence, or refinance their current mortgage.

VA PLUS

The VA PLUS product from Finance of America Mortgage TPO offers your military borrowers or qualified family member both purchase and refinance options. This loan provides 100% financing with no mortgage insurance. A one-time VA funding fee is required at closing.

VA IRRRL

The VA IRRRL loan from Finance of America Mortgage TPO is available to your military borrowers or qualified family member refinancing an existing VA loan. Your borrowers must prove that they currently or previously lived in the home covered by the original loan.

USDA

Through Finance of America Mortgage TPO, a USDA home loan is a zero-down-payment mortgage for your eligible rural homebuyers. USDA loans are issued through the USDA loan program, also known as the USDA Rural Development Guaranteed Housing Loan Program, guaranteed by the U.S. Department of Agriculture.

J-Class R Jumbo

The J-Class R Jumbo Suite from Finance of America Mortgage TPO is a competitive non-agency jumbo program available in all 50 states. This QM loan allows expanded lending to your borrowers who have a diverse credit profile.

J-Class J Jumbo

The J-Class J Jumbo from Finance of America Mortgage TPO is a QM jumbo solution with up to 89.99% LTV for your borrowers with clean credit.

Two-X Easy Jumbo

Finance of America Mortgage TPO offers a proprietary jumbo loan product to help make it easier for your clients to qualify for jumbo financing. Two-X Easy Jumbo is designed to simplify the jumbo loan process and make securing your client’s financing quicker.

Two-X Flex Suite

Finance of America Mortgage TPO’s Two-X Flex is a suite of mortgage solutions specifically made for your unconventional borrowers in mind. These proprietary loan offerings give borrowers even more purchasing or refinancing power, allowing them to qualify based on factors outside of standard requirements.

Residential Investor Loans

Finance of America Mortgage TPO offers a variety of mortgage options for your residential investors. These loans give your residential investors the flexibility to fund investment properties, home improvements, and rehabilitation projects.

Reverse & Retirement Mortgages

Finance of America Mortgage TPO offers several reverse and retirement mortgage options to help your older borrowers achieve their financial goals during their retirement years. These loans give them a way to turn their home equity into tax-free cash to use as they wish.

Renovation Lending

Finance of America Mortgage TPO features a variety of renovation loan options for your borrowers. These loans offer simple, flexible, and affordable mortgage options for your borrowers to finance home renovations.

J-Class W Jumbo

With seven loan options and competitive pricing, J-Class W is a great jumbo option for those looking to purchase homes above today’s conforming loan limits.

Become a FAM TPO partner today

Let us know how we can get in touch with you to answer any questions or help you get started.