GOVERNMENT LOAN PROGRAMS

FHA

• Low 3.5% down payment

• Up to 85% LTV on cash out refinance

• Low FICOs allowed

• Flexible credit and underwriting guidelines

• Gift funds permissible for 100% of required investment and closing costs
  
  

FHA STREAMLINE

FHA to FHA Refinance 

• Low FICOs allowed

• Flexible credit  + underwriting guidelines

• Mortgage only credit report accepted

• May not need to document funds to close

• Low fixed and variable rates

• No appraisal requirement

• No income verification

FHA CASH-OUT REFINANCE

• Up to 85% of home's value

• Flexible guidelines

• Low rates

• Finance Upfront Mortgage Insurance Premium

VA

• No down payment

• No monthly Private Mortgage Insurance (PMI)

• Competitive rates

• Flexible guidelines

• Finance all closing costs

VA IRRRL

VA to VA Streamline Refinance

• Low rates

• No appraisal

• No income verification

• Finance closing costs

• 100%+ financing

• No credit score (case-by-case)

Interest Rate Reduction Refinance Loan​

VA CASH-OUT REFINANCE

• Up to 100% of your home's value

• Consolidate debt

• Upgrade your home

• Just pull out cash

• Flexible guidelines

USDA

Low- to Moderate-income Rural Homes

• 100% financing

• Low rates

• 30-year fixed mortgage

• Finance closing cost​

• Income requirements for eligible areas

Check address eligibility

Check income eligibility