Fixed Rate |
- 0, 25, 20, 15 and 10-year terms available
- Down payment as low as 3% for primary home
- Refinance up to 95% of value on primary home
- Monthly payment is consistent throughout life of loan
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Adjustable Rate |
- 3/1, 5/1, and 7/1 ARM’s available
- Payments based on 30-year fixed schedule
- Provides veterans with flexible options
- Adjustable rate occurs annually after 3rd, 5th or 7th year
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USDA/Rural Dev |
- Credit scores down to 580 on purchase
- Credit scores down to 600 on streamline refi’s
- Area and income restrictions apply
- Zero down payment available
- Low monthly mortgage insurance
- Low interest rates
- Low closing costs
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FHA |
- Credit scores down to 500
- Flexible Down payment optionsFlexible Down payment options
- Standard FHA underwriting guidelines will apply
- Post-bankruptcy qualification – 2 years after
- Post-foreclosure qualification – 3 years after
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VA |
- Credit scores down to 580
- Cash-out Refinance Transaction up to 100% LTV
- Bonus Entitlement may allow for more than 1 VA Loan
- Interest rates routinely lower than convention rates
- Flexible closing cost options
- Higher allowable DTI ratio
- 0% down payment on a purchase
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Manufactured Homes |
- FHA Loan Program
- Minimum Credit Score 620 for all borrowersMinimum Credit Score 620 for all borrowers
- Home must be to HUD standards and built after 1976
- Built upon a HUD standard permanent foundation
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203(k) Programs |
- Purchase or Refinance
- Remodel/renovation costs included in original loan
- Low down payment
- Must live in the home
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HUD 184 |
- Indian Home Loan Guarantee Program
- 1-4 single family residence
- Fixed-rate loans only
- Commercial buildings are excluded
- Construction of a new home (site-built or manufactured home on permanent foundation)
- Rehabilitate a home, including weatherization
- Refinance (Streamline or Cash Out)
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Down Payment Assistance Program |
- Provides up to 3% in down payment assistance grant
- Available for FHA, VA and USDA 30-year fixed loans
- No repayment of assistance money
- Must be owner-occupied home
- Borrower cannot own any rental property
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1% Down Mortgage Program |
- Minimum credit score of 700
- Single Family purchase transactions only
- Maximum Mortgage Insurance capped at 25%
- No reserves required
- Area Median Income applies to this program
- First Time Homebuyers may be required to take Home Buyer Education
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$100 Down Mortgage Program |
- Only $100 down payment required to purchase (some closing costs may apply)
- Lowest Down Payment requirement (very close to 100% financing.)
- Can be easier to qualify for than conventional loans.
- Often offers lower interest rates than conventional loans.
- Total loan amount cannot exceed FHA maximum county loan limits.
- Property must be a HUD owned home.
- Buyer must be able to make an earnest money deposit
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