Home Loan Options

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FHA

      • Minimum credit score 580
      • Fixed Rates and ARMs
      • Manufactured Homes are eligible

VA

      • Minimum credit score 580
      • IRRRL with or without Appraisal up to 130%
      • 100% LTV Cash Out
      • Fixed Rates and ARMs
      • Manufactured Homes eligible
      • No FICO streamline refinances allowed

HOMEREADY

        • Low-to-Moderate income borrowers
        • 3% down payment
        • Minimum credit score 620
        • Higher DTI allowed: Extended family or income from a non-borrowing
household member can also be counted

CONVENTIONAL

        • HomeReady
        • Up to 95% LTV(H)|CLTV
        • Up to 97% LTV/(H)CLTV on certain Fannie Mae loans with DU approval
        • 5-10 financed properties allowed for Second Home and Investment transactions, Fannie Mae only
        • Appraisal transfers allowed
        • Property flips allowed
        • Non-occupying co-borrowers allowed
        • Manufactured Homes

JUMBO

      • Minimum credit score 680
      • Maximum LTV 90%
      • Maximum loan amount $5 million

HOMESTYLE RENOVATION

      • Combination of a construction loan and a traditional Mortgage for an existing property
      • Renovation projects up to $150,000

NICHE PRODUCTS

      • Condos in Litigation
      • Purchase after Short Sale or Foreclosure
      • Self-Employed
      • Bank Statements
      • Asset Depletion
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