Mortgage Loan Programs

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VA

Conventional

FHA

• 100% Financing Purchase or Refinance
• 580 FICO or higher
• No Mortgage Insurance
• Extended Debt-to-Income Ratios
• Lender Credit to cover Closing Costs

FHA

Conventional

FHA

• 3.5% Down Payment
• Gift Funds Allowed
• 580 FICO or Higher 
• Debt-to-Income Ratios to 56.9%
• 2 yrs from Bankruptcy 
• 3 yrs from Foreclosure/Short Sale/Modification

Conventional

Conventional

USDA Rural Development

• 3% Down Payment for First-Time Homebuyers
• 5% Down No PMI Options
• 1 yr Self Employed Tax Return Option
• No Closing Cost Option Available
• 620 FICO or higher

USDA Rural Development

USDA Rural Development

USDA Rural Development

• 100% Financing 
• 640 FICO or Higher
• No Closing Cost Option Available
• Low PMI

Non-QM

USDA Rural Development

Non-QM

• 620 FICO or higher 
• 12-24 Months Bank Statements for Self Employment Income
• 10% Down Payment minimum 
• No PMI

Jumbo

USDA Rural Development

Non-QM

• 680 FICO or higher
• Eligible for primary, secondary, and investment properties
• Loan Amounts up to $2.5 million
• Fixed rate and ARM loans available