Our Programs

TMS is your home to a wide array of robust product offerings with minimal to no overlays. Check out a few of the other great things you get with us…

  • We specialize in direct-to-agency loan securitization
  • We believe in empowering our sellers to create their own guidelines and credit culture to fit the needs of their respective lending communities
  • We’re redefining the way lenders and correspondent investors interact
  • Our goal is for our lending partners to reach a larger number of qualified clients with superior products and tools to enable exponential growth of their businesses

CONVENTIONAL
Loans

  • FNMA HomeStyle
  • Down Payment Assistance Programs
  • Minimum 620 FICO
  • Minimum 620 FICO on High Balance Loan Amount
  • Manufactured Homes (Single & Double)
  • Leasehold Properties
  • Construction to Perm
  • Appraisal Waivers
  • Allowed on DU Refi Plus
  • Loans With MI Accepted From All Current Mortgage Insurers
  • No LTV Restriction for Escrow Waiver
  • No DTI Restrictions With AUS Approval
  • No Min Number of Tradelines
  • 5-10 Financed Properties
  • Rental Income Allowed Without Landlord History
  • Late Payments Allowed With DU Approval
  • Minimal Overlays

FHA
Loans

  • 203K Full Administration
  • 203K Lite Administration
  • Down Payment Assistance Programs
  • Manual Underwriting Acceptable
  • No FICO Allowed
  • Minimum 550 FICO Minimum 550 FICO on High Balance Loan Amounts
  • Manufactured Homes (Single & Double)
  • Leasehold Properties
  • Construction to Perm
  • Non-Credit Qualifying Streamline Refinances
  • Streamline Regardless of Current Lender/Servicer
  • Investment and 2nd Home Streamlines
  • Energy Efficient Mortgage (EEM)
  • Section 184 – Indian Home Loan
  • Section 247 – Hawaiian Home Lands
  • Good Neighbor Next Door (GNND)
  • Minimal Overlays

VA
Loans

  • Alteration and Repair Loans
  • Down Payment Assistance Programs
  • Non-Delegated UW Available
  • Manual Underwriting Acceptable
  • No FICO Allowed
  • Minimum 550 FICO
  • Minimum 550 FICO on High Balance Loan Amounts
  • Minimum 550 FICO (IRRRL With Appraisal)
  • Manufactured Homes (Single & Double)
  • Leasehold Properties
  • Construction to Perm
  • No FICO IRRRL
  • Cashout to 90% LTV
  • Minimal Overlays

USDA
Loans

  • Manual Underwriting Acceptable
  • Down Payment Assistance Programs
  • No FICO Allowed
  • Minimum 550 FICO
  • Minimum 550 FICO 100% Financing
  • Manufactured Homes (Single & Double)
  • Manufactured Homes Allowed on New Construction Purchases
  • Leasehold Properties
  • Higher DTI Acceptable with RHS Approval
  • Construction to Perm
  • Construction to Perm Program (Pilot)
  • Minimal Overlays

Jumbo Express
Program

  • Minimum FICO 720
  • Fixed and Arm interest rates
  • $1.5M max loan amount
  • W2 income only (use of rental income from other properties is allowed)
  • Purchase and limited cash-out up to 80% LTV
  • Cash-out refinance up to 65% LTV
  • Up to $300K cash back to borrower on cash-out refinance
  • Detached Single Family Resident or PUD
  • Minimum loan amount is $1 greater than conforming loan limit

Ohio First DPA
Program

  • Minimum FICO 620
  • 30-year fixed term only
  • $50,000 minimum loan amount
  • 1-2 units
  • Manual UW is allowed under USDA and VA loan types