East West Bank · Bank
East West Bank
Review published mortgage options and requirements, then request a personalized quote from the lender.
Availability: Selected counties only: CA,GA,MA,NV,NY,TX,WA. Home Mortgage Loan Programs Lending Territories by State & County Northern California San Francisco County Alameda County San Mateo County Santa Clara County Sacramento County Contra Costa County Southern California Los Angeles County Orange County Riverside County San Bernardino County San Diego County Nevada Clark County Texas Collin County Dallas County Fort Bend County Harris County Washington King County Pierce County Snohomish County New York Bronx County Kings County (Brooklyn) New York County (Manhattan) Queens County Richmond County (Staten Island) Massachusetts Middlesex County Norfolk County Suffolk County Georgia Barrow County Bartow County Cherokee County Clayton County Cobb County DeKalb County Douglas County Fayette County Forsyth County Fulton County Gwinnett County Henry County Paulding County Rockdale County Spalding County Rev 8/11/22 Broker loans not accepted; contact an MLO directly.
At a glance
- Borrower type
- U.S. Citizens and Permanent Residents, Non-Permanent Resident Aliens with a valid Social Security Number/Tax Identification Number and proof of current legal residency in the U.S.
- Property use
- Second home
Still to confirm: Credit requirement, Reserves.
Our take: Pros & Cons
What we like
- Conventional and low-down-payment fixed-rate programs plus Bridge to Home fixed and adjustable options.
- Bridge to Home permits qualification using income or assets excluding equity in the subject property, with foreign-national and non-permanent resident eligibility.
- Bridge to Home states no minimum credit score if current bill-payment history is as agreed.
What to consider
- Programs are limited to selected counties in CA, GA, MA, NV, NY, TX and WA.
- LTV and loan limits vary by program; Bridge to Home maximum loan is $3,000,000 at 60% LTV. Do not treat LTV as a published down-payment minimum.
- Low-down-payment program requires full income/assets documentation, owner occupancy and income no more than 80% of area median income; displayed limits require confirmation.
AI-generated lender-level assessment based on published information. Not a verified assessment of Fannie Mae Conventional Fixed Rate Loans — Second home; confirm program-specific conditions below.
Newcomer requirements
Fannie Mae Conventional Fixed Rate Loans — Second home
Fit not assessed · Check fit
Verified published requirements for this program. Rate-example assumptions are separate and do not establish eligibility or approval.
- Residency / visa
- U.S. Citizens and Permanent Residents, Non-Permanent Resident Aliens with a valid Social Security Number/Tax Identification Number and proof of current legal residency in the U.S.
- Income documentation
- Must document income and assets required to qualify.
- State restrictions
- Published conditions apply. Read the full lender requirements below before applying.
- Property restrictions
- 1–4-unit single-family residence, Fannie Mae warrantable condo, Fannie Mae approved PUD, townhome.
- Occupancy
- Second home
View full lender requirements
- Residency / visa
- U.S. Citizens and Permanent Residents, Non-Permanent Resident Aliens with a valid Social Security Number/Tax Identification Number and proof of current legal residency in the U.S.
- Income documentation
- Must document income and assets required to qualify.
- State restrictions
- Selected counties only: CA,GA,MA,NV,NY,TX,WA. Home Mortgage Loan Programs Lending Territories by State & County Northern California San Francisco County Alameda County San Mateo County Santa Clara County Sacramento County Contra Costa County Southern California Los Angeles County Orange County Riverside County San Bernardino County San Diego County Nevada Clark County Texas Collin County Dallas County Fort Bend County Harris County Washington King County Pierce County Snohomish County New York Bronx County Kings County (Brooklyn) New York County (Manhattan) Queens County Richmond County (Staten Island) Massachusetts Middlesex County Norfolk County Suffolk County Georgia Barrow County Bartow County Cherokee County Clayton County Cobb County DeKalb County Douglas County Fayette County Forsyth County Fulton County Gwinnett County Henry County Paulding County Rockdale County Spalding County Rev 8/11/22
- Property restrictions
- 1–4-unit single-family residence, Fannie Mae warrantable condo, Fannie Mae approved PUD, townhome.
- Occupancy
- Second home
- Other conditions
- Texas cash-out refinance allowed only on second homes or investment properties; loans subject to application, underwriting, appraisal and credit approval.
Questions to confirm with the lender (11)
These requirements have not been verified for this program:
- SSN
- ITIN
- U.S. credit history
- Foreign credit history
- No credit history
- Minimum credit score
- Minimum down payment
- Employment documentation
- Foreign income
- Foreign assets
- Reserves
Requirements last reviewed: Oct 26, 2026 · Official requirements source
Rates and costs
Fannie Mae Conventional Fixed Rate Loans — Second home
Rates are available on request
No reviewed advertised rate example is linked to this program.
How to apply
Fannie Mae Conventional Fixed Rate Loans — Second home
- Must document income and assets required to qualify.
- Confirm the program's identity, residency, credit and property requirements with the lender.
- Use the official application channel to request pricing for your actual scenario.
- Review the lender's written Loan Estimate, including costs and cash to close.
Published eligibility and availability do not guarantee approval. Confirm membership, relationship, property and occupancy conditions with the lender.
Sources and methodology
About this lender
Conventional fixed-rate, Bridge to Home and low-down-payment mortgage options. Bridge to Home accepts foreign nationals and non-permanent resident aliens; eligibility, loan limits, occupancy and documentation vary by program.
Legal lender: East West Bank
Lending channel: Direct lending
Provider type: Bank
Lending channels: Direct lending. Origination status: Active.
NMLS identifier: 469761
Published service states: CA,GA,MA,NV,NY,TX,WA
More lender directory information
Direct application information ↗
Selected counties only: CA,GA,MA,NV,NY,TX,WA. Home Mortgage Loan Programs Lending Territories by State & County Northern California San Francisco County Alameda County San Mateo County Santa Clara County Sacramento County Contra Costa County Southern California Los Angeles County Orange County Riverside County San Bernardino County San Diego County Nevada Clark County Texas Collin County Dallas County Fort Bend County Harris County Washington King County Pierce County Snohomish County New York Bronx County Kings County (Brooklyn) New York County (Manhattan) Queens County Richmond County (Staten Island) Massachusetts Middlesex County Norfolk County Suffolk County Georgia Barrow County Bartow County Cherokee County Clayton County Cobb County DeKalb County Douglas County Fayette County Forsyth County Fulton County Gwinnett County Henry County Paulding County Rockdale County Spalding County Rev 8/11/22 Broker loans not accepted; contact an MLO directly.
Directory verified: 2026-10-26 UTC · Official directory source ↗
Official mortgage terms · Profile reviewed: Oct 26, 2026
- Official lender source · Last checked Not confirmed
What do APR, points, LTV and reserves mean?
- APR
- An annualized borrowing-cost measure that includes interest and certain loan charges. Read it alongside the interest rate and fees.
- Discount points
- An upfront charge expressed as a percentage of the loan amount. Compare the quoted interest rate and the points together.
- LTV
- Loan-to-value: the loan amount relative to the property's value.
- Reserves
- Assets the lender may require you to retain after closing. Requirements differ by program.