FHA

• 580 FICO available
• Manual underwriting
• 203(h) Disaster Victim Program
• Escrow holdback to $5K for HUD REO properties
• HUD $100 down
• Non-occupant borrower OK
• HUD test cases
• Property types 1-4 units, condo, PUD
• Manufactured homes
• DTI Per FHA, no overlays

FHA Streamline

• 580 FICO available
• Seller fully delegated
• Non-credit qualifying
• No appraisal or AVM
• No prior servicer restrictions

VA

• 100% Cash-Out
• 580 FICO
• Seller fully delegated
• Manufactured homes on purchase

VA IRRL

• 580 FICO
• We require a valuation, either AVM or appraisal
• Up to 115% LTV
• No prior servicer restrictions

• 620 FICO purchase / 620 FICO refi
• GUS approvals only**
• 100% LTV plus financed guaranty fee

• Rural refinance pilot
• Streamline Refinance
• R/T Refi