We Have a Loan For That!

A silhouette of an astronaut stands on ground with a starry sky behind them. To the right, it says Two-X Flex Suite: Proprietary Loan Suite

Finance of America Mortgage’s Two-X Flex is a suite of mortgage solutions specifically made for your unconventional borrowers in mind. These proprietary loan offerings give borrowers even more purchasing or refinancing power, allowing them to qualify based on factors outside of standard requirements.

Two-X Flex

A full-document product that allows unconventional borrowers to qualify with two years of income documentation and expanded qualifying ratios.

Two-X Flex 1 Year

This option allows some borrowers to qualify based on as little as one year of income documentation.

Key features:

  • Qualify based on most recent year of income documentation
  • Must be self-employed for two years

Two-X Flex Bank

With no tax returns or 4506 required, self-employed borrowers can qualify using bank statement deposits.

Key features:

  • Qualify using 12 or 24 months of bank statement deposits
  • Must be self-employed or 1099 worker
  • Multiple businesses permitted
  • Additional wage earner income permitted
  • Three options to calculate expense ratio

Two-X Flex Asset

With Two-X Flex Asset, borrowers may qualify solely on their existing assets with no employment needed. This can also be combined with the Two-X Flex Product.

Key features:

  • Qualify based on six months of personal assets
  • No employment documentation required

Two-X Flex 1099

With Two-X Flex 1099, borrowers may qualify using single source or multiple sources of 1099 income.

Key features:

  • At least one borrower must receive 1099
  • Borrower must be in same line of work for ≥2 years
  • Single or multiple 1099 income sources
  • W2 employees converted to 1099

Two-X Flex P&L

This product may allow your borrowers to qualify with as little as 12 months of self-employment income from profit and loss (P&L) statements.

Key features:

  • ≥ 1 borrower must be self-employed with ≥50% ownership
  • Borrower must be in line of business for ≥2 years
  • Business must be established for ≥12 months with a minimum prior year third party
  • Up to 3 businesses permitted

Two-X Flex Expanded

With Two-X Flex 1099, borrowers may qualify Two-X Flex Expanded allows for lower FICO scores, credit blemishes, previous bankruptcies, and even mortgage lates.

Key features:

  • As low as 640 minimum FICO
  • Up to 50% DTI
  • 1x30x12 housing history permitted
  • Relaxed tradeline requirements
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A loan solution for every experience and every scenario

  • Direct seller to Fannie Mae, Freddie Mac, & Ginnie Mae means little to no overlays
  • Proprietary Products like Two-X Flex Suite for unconventional transactions
  • Innovative relationship with the agencies
  • A focus on the advisor’s needs
  • Approved by all major Jumbo investors
  • Finance of America Reverse – One of the best reverse products and teams in the business!
    • Exceptional customer service
    • Years of Experience with Reverse
    • SilverNest*
    • Proprietary Product HomeSafe®**
  • Finance of America Commercial – Some of the most competitive commercial and rental products in the industry!
    • Fix & Flip Loans
    • Bridge Loans
    • Single Rental Loans
    • New Construction Portfolio
  • Dedicated Renovation Lending Team
  • Keep Home’” by Framework”: Homebuyer education in a fraction of the time from Fannie Mae!

*Silvernest is a home-sharing platform that uses detailed profile analysis to match homeowners with potential housemates.
**HomeSafe loan limits are higher than the government-insured HECM loans, up to four million dollars, while offering similar protections and features to the borrower. HomeSafe borrowers enjoy no mortgage insurance premiums. competitive fixed interest rates, and no out-of-pocket funds required beyond the appraisal (except for purchase).

Our Agency Advantage

Icon of a house

Conventional

  • HomeReady® & Home Possible
  • HomeStyle® Renovation
  • HomeStyle® Energy
Icon of a government building

Government

  • FHA Plus
  • VA Plus
  • USDA
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Atypical Fare

Jumbo

All major Jumbo investors approve us, and our
diverse product lineup provides lending options
for borrowers of all types – need we say more?

  • J-Class A
  • J-Class T
  • J-Class C
  • Cable Car
  • J-Class J
  • Colonial
  • J-Class P
  • Community
  • J-Class R Suite

Renovation

We have a dedicated Renovation Division/Team
to support all your renovation needs. DEDICATED. They eat, drink, breath renovation – that’s all they do, and they’re here just for you.

  • Dedicated Renovation Division
  • FHA 203k Limited
  • FHA 203k Standard
  • HomeStyle Renovation
  • HomeStyle Energy
  • PACE and Energy Payoff, including solar panels
  • Efficient Energy Mortgages

HELOC

Proprietary

  • Flex Bank
  • Flex 1 Year
  • Flex Asset
  • Full Flex Doc

Commercial

  • Rental Loans – No personal income verification (asset-based loan)1
  • Fix & Flip Loans – Industry-leading rates for capitalized borrowers
  • Bridge Loans – Ideal for temporarily holding assets
  • New Construction and Portfolio

1 Amount available to qualify towards liquidity will be determined by the current lender guidelines

Reverse

  • HomeSafe® Proprietary Product
  • Home Equity Conversion Mortgage (HECM)
  • Serves borrowers 62+

Over 385 Affordable Mortgage Programs

  • State Bond Programs
  • Low and no down payment options (0% Down/100% Financing)
  • Low credit score options
A senior man and woman job on a road together during fall while smiling at each other

Rev Up for Reverse

We help unlock the power of your borrowers’ home for them to enjoy retirement on their terms with family, friends, and the things they cherish most in life.

Finance of America Reverse – One of the best reverse products and teams in the business!

Your client’s retirement goals are within reach. They’ve worked hard to get where they are, and we know there’s so much they’re looking forward to on the road ahead. Finance of America Reverse helps you as a trusted retirement resource and your clients as a trusted retirement partner. FInance of America Reverse has a full suite of financial tools from traditional to jumbo loan reverse mortgage options designed to keep the wheels in motion and make your client’s retirement goals and reality.

  • Exceptional customer service
  • Years of Experience with Reverse
  • Silvernest1

1Silvernest is a home-sharing platform that uses detailed profile analysisto match homeowners with potential housemates.

HomeSafe® Proprietary Product2

HomeSafe loan limits are higher than the government-insured HECM loans, up to four million dollars, while offering similar protections and features to the borrower.

HomeSafe borrowers enjoy no mortgage insurance premiums, competitive fixed interest rates, and no out-of-pocket funds required beyond the appraisal (except for purchase).

2The borrower must meet all loan obligations, including living in the property as the principal residence and paying property charges, including property taxes, fees, hazard insurance. The borrower must maintain the home. If the homeowner does not meet these loan obligations, then the loan will need to be repaid.

HECM Home Equity Conversion Mortgage

Your borrowers can unlock the potential in their home’s equity.

With a HECM reverse mortgage, borrowers can:

  • Pay off an existing mortgage
  • Stay in their home long-term
  • Increase their buying power for purchasing a new home or condo
  • Supplement income for regular expenses
  • Diversify overall retirement strategy
  • Cover medical expenses
  • Pay for in-home care
  • Renovate their home
  • Purchase insurance
  • Go on the trip of a lifetime
  • Start a new business
  • Help their grandchildren pay for college
  • Or simply have savings available for the future

Need an Introduction?

Finance of America Mortgage LLC is an Equal Opportunity Employer. We’re dedicated to creating a positive workplace environment, which means ensuring that we offer a comprehensive suite of benefits to promote health and financial security for employees and their families. Finance of America Mortgage offers a variety of options for health, dental, vision and other coverage, in addition to a matching 401(k) program.

If you are ready to join our team, become our latest CXO, and be a part of our FAMily please submit your information below and we will get back to you!

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