Products

As an approved Fannie Mae and Ginnie Mae Lender and Direct Seller, 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

Down Payment Assistance Program Matrix

OverviewFHAConventionalVAJumboUSDANON-QM
Motive Lending is proud to be an approved Fannie Mae and Ginnie Mae lender.
Whether you’re looking for FHA, Conventional, VA or Jumbo, 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  

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
15yr Fixed    
30yr Fixed  
5/1 ARM
7/1 ARM
 

USDA Products
Standard Products  
30yr Fixed  
   

Credit Advantage
Standard Balance
15yr Fixed
30yr Fixed
5/1 ARM
7/1 ARM

Income Advantage
Standard Balance
15yr Fixed
30yr Fixed
5/1 ARM
7/1 ARM

Asset Advantage
Standard Balance
15yr Fixed
30yr Fixed
5/1 ARM
7/1 ARM