An extensive product line and aggressive pricing help you grow your business and reach new customers

At PERL Mortgage, you can originate with confidence. That’s because we provide the experience, options and competitive rates of a large lender, combined with in-house underwriting and processing that helps you close loans quickly and easily. Our service-driven focus helps you provide the expert, personalized service your customers and referral partners have come to expect from PERL.

We offer an extensive product menu that includes conventional, jumbo, FHA and VA loans and refinance options. Our Optimal Blue pricing search engine allows us to offer instant product eligibility and loan pricing comparisons from both correspondent and broker investors.


Conforming Options
  • Multiple correspondent lenders available
  • 97% financing available with PMI & condos (first-time buyers only)
  • Fannie Mae/Freddie Mac direct seller/servicer
  • Lock and Shop program
  • Long-form locks available 90-365 days
  • DU Refi Plus and Freddie Mac Open Access programs
  • PERL warrants condos & co-ops through internal condo departments
    • CPM approval included
    • PERS available
    FHA/VA/USDA
      • FHA streamline with no appraisal
      • Multiple lenders available
      • FHA high balance
      • Condo Approvals (HRAP)
      • 203K
      • IRRRLs
      • VA jumbo loans
    Bond Programs
    • Approved States
      • CA, CO, IL, MN and TN
    • Pending
      • CO 2nds, IN, MI and OH



    Jumbo Mortgages
    • Multiple correspondent/Broker lenders available
    • Non-warrantable condos up to $1 million correspondent / $3 million broker
    • 90% to $1.5 million
    • 80% to $2 million
    • 75% to $3 million
    • In-house delegation to $3 million
    • Foreign national programs
    • Up to 50% backend ratio
    • ARM interest only available
      *Current as of 2/12/15.
    Second Mortgages
    • 80/15/5 (available in AL, GA, FL, SC, NC, TN, VA, MD, IL, IA, WI)
    • 95% Condos
    • 80/10/10 available
    • Fixed & HELOC



    Testimonial User Image
    Tim L. Mortgage Advisor

    I am truly grateful for the support and systems in place that allow me to have confidence once again in the residential lending industry.