Loans

Benefits

• Various credit score options
• Flexible terms
• Flexible payment options
• Down payment options as low as 3%
• Flexible underwriting

Requirements

• Proof of income
• 620 minimum credit score
• Verified assets for down payment

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Benefits

• Backed by private lenders
• Low down payment
• Available for more property types
  • Second homes
  • Investment properties
• Flexible loan structure
  • Multiple term options
  • Fixed or adjustable rate
• No program specific fees

Requirements

• Credit score
  • Minimum 620
• 3% down payments for qualifying borrowers
• Any down payment less than 20% requires mortgage insurance

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Benefits

• Backed by US Dept of Veteran Affairs
• Benefits qualifying Veterans and Military Personnel
• No down payment
• No mortgage insurance
• Lower interest rates
• Flexible credit

Requirements

• At least:
  • 181 days of active duty service (90 days during wartime)
  • 6 years of National Guard service
  • Not dishonorably discharged
• Spouse Eligibility:
  • Member killed in line of duty
  • Died from service related injury or illness
  • Missing in action
  • Prisoner of war
• Certificate of Eligibility needed
  • Click to Apply
• Minimum 620 credit score
• Funding fee ranging from 1.25% - 2.4%
  • Veterans rated 10% or more disabled are exempt from the funding fee

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Benefits

• Reduce monthly payments
• Switch from ARM to fixed-rate mortgage
• Mortgage only credit check
• No employement verification
• No home appraisal required

Requirements

• Insured by FHA
• All mortgage payments made in-full and on time in the last 7 months
• Refinancing must make financial sense - No cash out

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Benefits

• Issued by Federal Housing Authority (FHA)
• Imperfect Credit
• No Large Down Payment Required

Requirements

• Minimum 3.5% down payment required
• Loan limit: 115% of area’s median home price
  • Check Limits
• HUD-approved appraiser required
• Mortgage Insurance required
• Must be primary residence

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