125% CLTV Home Equity Loans: up to 125% of the value of the property (minus first mortgage) with fixed rates and fixed monthly payments, and additional options in most states for lower monthly payments or lower interest rates.

125% CLTV Home Equity Line of Credit: up to 125% of the value of the property (minus first mortgage) with variable interest rates and the ability to use and reuse the line of credit for the first ten years of the loan. Interest-only monthly payments during the draw period. Interest rates based on Prime rate.

125% Fixed Rate Loan and HELOC:
		Cash-out, debt consolidation or rate and term refinance
		Up to 50% DTI
		No max property value
		Primary residence only
		No second loan amount to first lien ratio
		SFR/Condo/PUD 125% CLTV to $125,000
		Minimum middle credit score 660 (restrictions apply)
		Competitive pricing
		No mortgage insurance required