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Loan Products
And Guidelines

Sky Mortgage Wholesale Lending Solutions is committed to speed and excellence. Our goal is to provide the best services in the mortgage industry that will help our partners pursue their career as a mortgage broker. We are a DBA Home Mortgage Alliance Corporation (HMAC), NMLS #1165808, which is one of the fastest-growing United States mortgage lenders.

FHA

VA

Conventional Fannie Mae

Conventional Freddie Mac

FHA

  • Minimum credit score: 600 AUS approved, 620 manual
  • Non-Credit Qualifying Streamline refinances allowed
  • Gift funds allowed for down payment and closing costs
  • Cash out 80% LTV

VA

  • Minimum credit score: 600 AUS approved, 620 manual
  • Cash-out up to 90% LTV
  • Foreclosure/Short Sale/Bankruptcy <2 years allowed with AUS Approval

Conventional Fannie Mae

  • 620 min score
  • Fannie Mae
  • Standard and High Balance
  • HomeReady

Conventional Freddie Mac

  • Freddie Mac
  • Standard and High Balance
  • Rate/Term refinances allowed
  • HomePossible