0% Down payment, but borrower is required to pay minimum of $500 towards closing costs.  Loans up- to Fannie Mae limit. 

MUSt be Borrower's own verified funds.

3% Seller contribution to closing costs.

Expanded debt ratios as determined by "Desktop Underwriting"

So set minimum credit scores!  Approval is determined by Automated Underwriting.  Please call and find out if you can by a home with only $500 down. 

Mortgage Insurance (25 to 35% coverage) based on Automated Underwriting Approval

Minimal reserves or as determined by "Desktop Underwriting".

Owner occupied Single Family, PUD's and Condos.

Available to first time home buyers and current homeowners moving up.

No income limit, No geographical restrictions, No home buyer counseling.

Again, there are no set minimum credit scores!  Approval is determined by Automated Underwriting.  Please call and find out if you can by a home with only $500 down. 

The debt ratio and reserve requirements are Flexible.

It is important to call us before writing the sales contract.  There are pricing adjustments that the seller may be willing to pay.

Rates and guidelines subject to change without notice.  There is no guarantee that all loans meeting the above criteria will be approved.