Conventional Home Loans

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A conventional home loan credit score starts as low as 620

  • Minimum 5% down payment
  • Minimum 3% down payment for first time homebuyer
  • Seller can pay up to 3% costs
  • Single, Split, LPMI, and BPMI available

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USDA

  • 100% financing for properties in USDA eligible area
  • Credit score as low as 620
  • 6% cap on seller paid closing costs

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FHA

  • Low down payment of 3.5%
  • Seller can pay up to 6% closing costs
  • Minimum credit score of 600
  • No scores borrowers allowed

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FHA 203k Limited

  • Up to $35,000 can be financed, this amount includes repairs, fees, and contingency reserves
  • Used for purchases or refinances (owner occupied only)

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FHA HUD $100 Down Program

  • Available on selective HUD homes
  • Minimum FICO of 640

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Doctor’s Home Loan

  • Maximum loan amount of $1,250,00
  • Up to 100% financing available on loans up to $750,000
  • Minimum FICO of 680

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VA Home Loans

  • 100% financing for eligible Veterans
  • Minimum credit score of 600
  • No monthly mortgage insurance premiums
  • Need your DD214? Go here

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Jumbo Mortgage

  • Available for qualified borrower

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