Government Programs FHA / VA / USDA
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
USDA*
- 620 FICO purchase / 620 FICO refi
- GUS approvals only**
- 100% LTV plus financed guaranty fee
- Rural refinance pilot
- Streamline Refinance
- R/T Refi
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