FHA Purchase:

VA Purchase:

USDA Purchase:

• FICO scores down to 580, with 3.5% downpayment
• FICO scores down to 580, with 10% downpayment
• Owner-occupied properties only 1-4 family dwellings
• Up to 30-year fixed rate term
• Down Payments as low as 3.5% with qualifying credit
• Gift funds allowed per FHA guidelines
• No prepayment penalties
• Non-occupant co-borrowers are acceptable

• For Military Veterans, who have served 180 days of active duty
• FICO scores down to 580, up to 100% LTV
• No down payment required
• No mortgage insurance required
• Owner-occupied properties only
• 30-Year fixed-rate term
• Lower origination fees, appraisal fees, and closing costs
• No prepayment penalties
• Multiple properties allowed

• FICO scores down to 580
• Household income limit $86,850-$114,650
• No downpayment requirement for qualified borrowers
• Seller can pay closing costs and pre-paid (restrictions apply)
• Reduced mortgage insurance premium compared to FHA & Conventional financing
• Funds can be used for repair and/or renovation