Products

As a Fannie Mae Direct Seller and Ginnie Mae Approved lender, we have greater flexibility than most lenders with guidelines that open the door to more prosperity for you and your borrowers.

Access our loan products matrices and detailed guidelines below so you can find the right loan solution for your borrower. If you need our assistance in solving any of your loan challenges, our team of dedicated experts is standing by to answer the phone, so give us a call today.

Click Here To Download The Conventional Wholesale Overlay Matrix
Click Here To Download The Government Wholesale Overlay Matrix
Click Here To Download The Non-QM Grade Matrix
Down Payment Assistance Program Matrix

OverviewFHAConventionalVAJumboUSDANON-QMManufactured Homes
Nations Direct is proud to be an approved Fannie Mae and Ginnie Mae lender.
Whether you’re looking for FHA, Conventional, VA, USDA, Jumbo or Non-QM we offer:

  • Broader guidelines and better pricing
  • Direct access to underwriters
  • Live milestone notification delivered to your email inbox
  • View of your pipeline 24/7
  • Your own dedicated and efficient team of loan experts
FHA Products
Standard Balance High Balance
30/25yr Fixed 30/25yr Fixed
15yr Fixed 15yr Fixed
5/1 ARM 5/1 ARM
Conventional Products
Standard Balance High Balance
30yr Fixed 30yr Fixed
20yr Fixed 20yr Fixed
20yr Fixed 20yr Fixed
15yr Fixed 15yr Fixed
10yr Fixed 10yr Fixed
30yr Fixed LPMI 30yr Fixed LPMI
5/1 ARM 5/1 ARM
7/1 ARM 7/1 ARM

Premier Conventional Products
Standard Balance High Balance
30yr Fixed 30yr Fixed
25yr Fixed 15yr Fixed
20yr Fixed 30yr Fixed LPMI
15yr Fixed 15yr Fixed LPMI
10yr Fixed
30yr Fixed LPMI
25yr Fixed LPMI
20yr Fixed LPMI
15yr Fixed LPMI
10yr Fixed LPMI

DU Refi Plus Products
LTV <=105 LTV 105.01-125
30yr Fixed 30yr Fixed
15yr Fixed 15yr Fixed

Texas Cash-Out Products
LTV <=80%
30yr Fixed
15yr Fixed
VA Products
Standard Balance High Balance
30/25yr Fixed 30/25yr Fixed
15yr Fixed 15yr Fixed
5/1 ARM 5/1 ARM

 

Jumbo Products
Standard Products
5/1 ARM
7/1 ARM
USDA Products
Standard Products
30yr Fixed
Non-QM Products

Expanded Prime (5/1 ARM, 7/1 ARM, 30yr Fixed)
Near Prime (5/1 ARM, 7/1 ARM, 30yr Fixed)
Non-Prime (5/1 ARM, 7/1 ARM, 30yr Fixed)
Investor Advantage (3/1 ARM, 5/1 ARM, 10/1 ARM)
Manufactured Housing – Conventional Products
Standard Balance High Balance
30yr Fixed 30yr Fixed
20yr Fixed 20yr Fixed
15yr Fixed 15yr Fixed
10yr Fixed 10yr Fixed

Manufactured Housing – Government (FHA/VA/USDA) Products
Standard Balance High Balance
30yr Fixed 30yr Fixed
25yr Fixed 25yr Fixed
20yr Fixed 20yr Fixed
15yr Fixed 15yr Fixed