Secondary Market Mortgages

Made Easy

We recognize that choosing a lender is a significant decision with important consequences for our clients and their borrowers. In today’s ever-changing economic landscape, clients want to know that their lending partners will be there through all market conditions. Our financial backing and our ability to develop and deliver innovative products set us apart from other lenders. It is our goal to offer a wide breadth of industry-leading products, supported by a loan process that blends both human interaction and the benefits of technology into an unparalleled customer experience.

WelCome to Five By Five

TRUSTED ADVISORS
We genuinely care about helping our clients and treating them with respect. We spend time getting to know their needs to find the best possible solutions for their borrowers.

PRODUCT INNOVATION
We’re continually adapting to changing market conditions with a broad portfolio of innovative products that address more of our clients’ real needs.

EASE OF PROCESS
Technology streamlines the approval process, improves the customer experience and reduces cost – all without replacing the human element.

COMMUNITY INVESTMENT
Through charitable contributions, outreach and active participation, we are deeply invested in the health and vibrancy of communities across our country. We support the dream of home ownership and help others thrive.

Conventional
Freddie Mac

  • 620 Min Score

  • Direct Seller

  • Standard and High Balance

  • Home Possible

Conventional
Fannie Mae

  • 620 Min Score

  • Direct Seller

  • Standard and High Balance

  • Home Ready

FHA

  • Minimum credit score: 600 AUS approved

  • 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

  • Cash-out up to 90% LTV

  • Foreclosure/Short Sale/Bankruptcy <2 years

  • Allowed with AUS Approval

USDA

  • 640 minimum credit score for purchases and rate and term refinances

  • 100% loan-to-value (LTV) available

  • Eligible fees may be rolled into the loan

  • Gift funds allowed

  • Government down payment assistance allowed

Jumbo

  • Primary allows purchase and R/T up to 80 LTV and cash-out up to 70%

  • Second home allows purchase and R/T up to 70%

  • NOO allows purchase and R/T up to 65%