Our No Money Down program is a purchase money only program that allows the borrower to finance 100% of the lesser of the purchase price or appraised value.  Qualifying debt to income ratios are determined by the automated underwriting engine.  This usually requires a minimum middle credit score of 600.  It is only for borrowers with established credit.  
(Check out our Alt No Money Down Page for lower middle credit scores.

No Income Limits on Certain Loan Programs! 

Owner Occupied Only...Single Family, PUDs, Townhomes, & Condos

Seller concessions of 3% to 6% allowed which may include pre paids (except interest).

First Time Homebuyers Allowed

Standard employment history

Bankruptcy discharged over 5 years ago okay

Reserves depend on credit history.

*a reserve is money that must be verified by a bank or similar statement.

Other Guidelines Apply, Call Burt Jamison, FSBO Financing Specialist For Current Rates and Details...  Apply By Phone!