LOAN TYPES

Conventional:

  • Conventional: 620 FICO
  • Conventional 5% Down no MI
  • Cash out loans
  • Debt consolidation loans
  • Investment properties
  • Second homes
  • DURP
  • HARP
  • Home Path
  • Home styles
  • Open Access
  • $5,000 escrows after closing

Specialty:

  • Hard Money Loans
  • Bridge Loans
  • Bail out loans
  • Jumbo Loan: 660
  • Super Jumbo 740
  • Construction 680
  • Lot loans
  • Manufactured homes
  • Mobil homes (100k+)
  • Condo’s (Warrantable or not)
  • Land loans

FHA:

  • FHA: 640 55% DTI
  • FHA: 580 FICO Manual UW
  • FHA 203k 620 FICO
  • No Trade lines ok
  • One score ok
  • Authorized user
  • acct. ok
  • 100% Gift money allowed
  • Work Authorization ok
  • (Temp. res.) OK

VA/USDA:

  • Manual Underwriting 620 FICO
  • IRRL 640 FICO
  • USDA 620 manual UW
  • The first stage in applying for a mortgage is typically prequalifying for one. Your credit score determines your interest rate, loan choices and your minimum down payment. Ultimately, the maximum size of your loan amount will be determined by your debt-to‐income ratio (DTI), which is the percentage of monthly gross income that goes towards paying debts. In general terms, the lower your DTI, the more you may be eligible to borrow and the more financing options may be available to you.


 
 
 
 
 
 
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