CONVENTIONAL LOAN PROGRAMS

FANNIE MAE CONFORMING AND HIGH BALANCE (FNMA)

• Up to 97% financing
• 100% of down payment and closing costs may be gifted
• Up to 10 financed properties
• Appraisal transferred allowed on standard conforming loan limits

FREDDIE MAC CONFORMING AND SUPER CONFORMING (FHLMC)

• Up to 95% financing

• Minimum FICO 620

• Up to 6 financed properties

HOME AFFORDABILITY PROGRAMS

Home Ready and Home Possible are affordable low-down-payment mortgage products designed for creditworthy low- to moderate-income borrowers.

• Up to 97% LTV

• Up to 30-year fixed

• Reduced PMI coverage

• No income limit in certain areas

• No first time home buyer requirement (FNMA)

• Competitive rates

• Easier qualification

HARP 2.0 LOANS

The Home Affordable Refinance Program (HARP) is a federal refinance program targets homeowners that are underwater. You may be eligible if your loan was originated on or before May 31, 2009.

For more info and eligibility requirements, go to: https://harp.gov/Eligibility or call us at (619) 786-4478 today.