with innovative loan programs
Northpointe’s product solutions are designed to reach more individual borrowers and grow your mortgage origination opportunities. Approved correspondent clients receive delegated underwriting authority and can choose between best effort and mandatory, single loan or bulk, delivery options.
Agency Conforming Programs
With minimal to no overlays, implementing Northpointe’s agency products is simple.
- Maximum LTVs up to 97%
- Fixed-rate 30-, 20-, 15-, 10-year with flexible terms by month
- Primary residence, second home & investment property types, including eligibility for up to 10 multiple financed properties
- Attached, detached and site condominium property types
- No minimum credit score with approve or accept findings
- No maximum debt-to-income ratio with approve or accept findings
- Increased price premiums for higher coupon note rates
- Conforming High Balance programs with no minimum credit score and no maximum debt-to-income ratio
Negotiated Portfolio Options
Northpointe Bank values its client relationships. Negotiated product options are custom tailored for our client partners, such as non-warrantable condominium properties, renovation lending and Northpointe's Express Funding program.
Northpointe’s innovative programs and superior pricing execution helps approved clients attract and retain the top sales and operations staff in the industry.