Irwin Home Equity | Products & Channels

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IHMPartners.com

Learn more about Irwin’s Wholesale division.

Irwin Family of Companies

IHE is part of a family of companies.


	I reduced the number of bills I pay with a Premier Equity mortgage from Irwin Union Bank.”

	—L. Fox Elkridge, MD

First Mortgage Loan: up to 95% of the value of the property with cash-out available. Refinance an existing mortgage and consolidate other high-rate debts into this loan at the same time with competitive fixed rates.

Direct to consumer rate and term refinances are available up to 95.75% of the value of the property, and second-lien financing can remain in place without CLTV restrictions.

First Mortgage Refinance specifications:


Broker Channel		Direct to Consumer Channel
	Loans up to $729,750		Loans up to $729,750

	From 620 credit score		No credit score minimum

	Up to 50% DTI		Up to 50% DTI

	No max property value		No max property value

	Rebate pricing available		FHA, Agency, or Irwin first

	No mortgage insurance option (restrictions apply)		No mortgage insurance option (restrictions apply)

	Competitive fixed rates		Competitive fixed rates

This information is intended for Mortgage Professionals only and is not intended for consumer distribution. Certain loan rates, terms and programs may not be available in all states, to all consumers, or via all origination channels and are subject to change without notice. Loans will be made by Irwin Union Bank and Trust Company. Irwin Home Equity is a Residential Mortgage Licensee in Illinois. Irwin Home Equity is a subsidiary of Irwin Union Bank, which is part of the Irwin Financial Corporation family of companies. State restrictions may apply.