NO FICO Loan Program

- 99.5% Financing Purchase Combo (CA only)

  Seller pay 6% closing costs, gift okay for down payment, no reserves/liquid assets required

NO FICO Loan Program

 – 96.5% Financing Purchase, 97.75% R/T Refinance, 85% Cash-Out Refinance

500 – 579 FICO Loan Program

 – 90% Financing for Purchase, R/T Refinance, 85% Cash-Out

 ACCESS Program adds 3% 2nd mortgage (CA only)

580 FICO Loan Program

– 96.5% Financing Purchase, 97.75% R/T Refinance, 85% Cash-Out

 580 FICO Loan Program

 - 99.5% Financing Purchase Combo Loan (CA only)
– 96.5% FHA 1^st, 3% ACCESS 2^nd

  Seller pay 6% closing costs, gift okay for down payment, no reserves/liquid assets required

620 FICO Loan Program

 – High Balance Loans

500 FICO – Streamline Refinance Loan Program

 500 minimum credit score required

 No Appraisal required

 No maximum DTI required

FHA 203(k) Rehabilitation / Improvement – Purchase or Refinance

 580 minimum FICO

 Include the cost of improvements and/or rehabilitation into a purchase loan or refinance

 Standard 203(k) – No limit on repair amount

 Streamline 203(k) - $35,000 maximum repair amount

FLIPS – under 90 days & over 20% appreciation