GOVERNMENT Loan Programs PURCHASE & REFINANCE

Expand Your Options with these Government Programs.

FHA Program

FHA Purchase

· 550 Min FICO / 90% LTV

· 580 FICO / 96.50% LTV

FHA Streamline Refinance (No Income Documentation)

· 580 Min FICO / 90% LTV

· 600 Min FICO 97.75% LTV

FHA Cash Out Refinance

· 580 FICO / 80% LTV

· Manual U/W: 600 FICO / 80% LTV

Expanded Guidelines:

- Non-Occupant Co-Borrower allowed per FHA guidelines - Manufactured Homes allowed - 0x30 lates in last 12 months for all manual underwrites (follows FHA guidelines for AUS approved loans)

VA Program - All Primary Residence

VA Purchase

• Min FICO 580, 100% LTV, up to $1.5 Million

VA Cash Out Refinance

· Min FICO 580, 90% LTV, up to $1.0 Million

· Min FICO 600, 100% LTV, up to $1.0 Million

· Min FICO 640, 100% LTV, > $1.0 Million up to $1.5 Million

VA IRRRL

· Min FICO 550, 100% LTV, up to $1.0 Million

· Min FICO 580, 125% LTV, up to $1.0 Million

· Min FICO 640, 125% LTV, > $1.0 Million up to $1.5 Million

USDA Program

· Minimum FICO 600

· LTV to 100%

· High Balance Available

· Competitive Pricing

· Straightforward, Simple Process

Not affiliated with the Federal Housing Administration, Veterans Administration, or United States Department of Agriculture.