Unique Loan Solutions
100% Financing with FHA
- Minimum Credit Score: 640
- No condos or manufactured homes Some income restrictions
O% Down Manufactured Homes w/ RD
- 2006 or newer
- Easy credit requirements
- All other details match the traditional RD loan program
Investor Cash Flow (No Income)
- Qualification based on property cash flow
- 20% down
- Minimum Credit Score: 660
- Must have housing history and own a primary home
Portfolio: Full Doc + Bank Statement
- As low as 10% down with no Mortgage Insurance (MI) Minimum Credit Score: 600
- Loans up to $3 million
- Owner occupied, 2nd homes and investment properties
Traditional Loan Products
Conventional | High Balance
- Loan up to $484,350
- As low as 3% down
- Escrow may be waived with 20% down
- No appraisal required (in certain conditions)
FHA
- Loan up to $314,827
- Minimum Credit Score: 580
- 3.5% down
- Escrow and FHA appraisal required 203k Rehab Loan
VA
- Minimum Credit Score: 600
- No down payment
- No monthly MI
- Escrow and VA appraisal required
Rural Development (RD)
- Minimum Credit Score: 600
- No down payment required
- Income and area restrictions may apply