Bank Statement Calculator

50bps NOVEMBER PRICING SPECIAL!*

100% CLTV FHA Options

Exclusive to Giant Lending

View our DPA Matrix
Get Approved

DPA

No Payment on the 2nd Loan – 0% Rate
  • 600 minimum FICO
  • BPC/LPC options available
  • No first time homebuyer requirement
  • FHA First Loan
  • Subordinated Second Loan (3.5%)
    No Payment on the Second Loan
    0% Rate
  • No Income Restrictions
  • 2/1 Buydown Available
  • Manual Underwrite 660+ FICO
  • Conforming and High Balance Loan Limits Available

DPA Plus

Better priced option for your well qualified borrowers
  • 100% CLTV FHA Loan (Combines 1st and Subordinate Lien)
  • BPC/LPC options available
  • No income limits
  • 2nd lien with an interest rate 2% greater than 1st lien
  • 2nd lien Payment amortized over 10 years
  • Borrower’s minimum contribution of $0.00
  • No First Time Home Buyer Requirement
  • Conforming and High Balance Loan Limits Available

DPA Deluxe

Include Closing Costs (1.5%)
  • 101.5% CLTV, (96.5% First + 5% DPA)
  • BPC/LPC options available
  • No FTB Requirement
  • Include Closing Costs (1.5%)
  • FHA 30-YR Fixed Purchase
  • Refer / Eligible OK
  • No Income Limits
  • 1 – 2 Units, Primary Residence Only
  • 600 Min FICO
  • 660 Min FICO for Manual Underwrite

Specials apply to all eligible Non-QM, FHA loans, including standard/high balance, and DPA Programs excluding CalHFA DPA programs, HELOCs, and Jumbo Programs.

Specials may not be combined with any other price improvement or special unless explicitly stated.

Offers valid for loans locked between 11/1/2025 and 11/30/2025. All offers are subject to change without prior notice. Rate and price improvements are applicable only to qualifying loan programs and borrowers, and not all applicants will qualify. Specials cannot be combined with any other offer or price exception unless explicitly stated.

Terms, restrictions, and conditions apply. This is not a commitment to lend.

Loans may qualify for additional price improvement with Select Specials as indicated on our Prime and Non-QM Rate sheets.

GIANT Lending is not affiliated with or acting on behalf of or at the direction of the Federal Housing Administration, Veterans Administration, or the Federal Government.

Closed-End Seconds: Loans originated in US Territories and the following states are ineligible: MI, NJ, NY, TN, TX, WV. Restrictions apply, contact your Account Executive for details. Important to note that a Closed-End Second Mortgage may typically have a higher interest rate than the first lien mortgage.