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