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.
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