Program Highlights
Government
FHA
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96.5% LTV on HUD approved condos
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Manual Underwriting Allowed
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Min 580 or NO Score (low pricing adjusters)
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203K Streamline (Training Available)
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Repair Escrow Holdback options
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Kiddie purchases allowed, parents act as non-occ. co-borrower for students
VA
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Manual Underwriting Allowed
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Min 620 or NO Score (low pricing adjusters)
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$100 down allowed for HUD REO's
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DTI is determined by DU
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NO minimum tradeline or reserve requirements
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IRRRL with NO appraisal or AVM
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Flip properties allowed, no seller seasoning
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$100 down allowed for HUD REO's
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Gifts and DPA Allowed
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Good neighbor program for: police, teachers, etc.
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DTI is determined by DU
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NO minimum tradeline or reserve requirements
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Streamlines with NO appraisal or AVM
USDA
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Min 640 Score
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100% Purchase Money
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New Approved Area Maps
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DTI is determined by GUS
Agency / Conventional
Fannie Mae | Freedie Mac
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95% LTV with a 620
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Little to NO overlays
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No minimum tradeline requirements
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Gift Funds allowed
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Texas Cash-Out/50(a)(6)
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Appraisal transfers allowed
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DTI is determined by DO/DU
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Condos allowed with a limited and full review
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"NO MI" Program
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Gifts and DPA Allowed
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90% LTV 2nd homes with a 620 FICO
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Seller held 2nds allowed
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Fannie Mae HomePath©
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Flips are allowed, no seller seasoning
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Landlord history – no minimum required
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Non-Perm. Resident Alien allowed
Jumbo "6 Diffrent Programs"
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Jumbo condos up to 75% LTV
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80% LTV up to 2 million
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680+ scores
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Up to 5 Financed properties OK
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2nd homes up to 80% with a 700
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Cash-Out up to 75% with a 700
TPO Marketing Flyers (Non-Branded)
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FHA Program
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Down Payment Options
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HARP DU Refi Plus