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Conventional – Conforming Freddie/Fannie Loans

Loan Features

• Ideally suited for borrowers with a FICO score of at least 620, and a qualifying debt-to-income ratio

• Both fixed and adjustable rate options are available

• Financing up to 97% of the purchase price (up to 95% with conforming high balance)

• Specific financial requirements, and the loan amount may not exceed a certain amount, set at a county-by-county level

• Jumbo loans available, including options to avoid mortgage insurance

• More competitive rates & fees

 

Government – FHA/VA Loans

Loan Features

• Ideally suited for borrowers with lower FICO scores under 620

• Easier to qualify for than a conventional conforming loan

• Financing up 96.5% of the purchase price, 100% for military veterans

• Gift monies and non-owner occupied co-Borrowers are accepted

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Special Financing – More Loan Options available

Loan Features

• Down Payment Assistance including CalHFA, Georgia Dream, HomePossible, Extra Credit Teacher Home Purchase, Home Stretch, to name a few

• Renovation Finance including Construction-to-Perm, FHA 203k, and After Repair Value qualifying loans

• Private $ including Equity Loans, Limited Doc and No-Credit qualifiers, Bridge Loans, Short Term / No Pre-Pay Penalties, and Blanket Loans.