Qualified Loans
Conventional & Government Loans

ZERO-DOWN (FHA) Home Loan
Eliminate the barrier of a down payment and enable your clients to realize their homeownership dreams. Min. FICO 600 100% FHA Financing

CONVENTIONAL
HomeReady® and Home Possible® available, flexible funding options, waived LLPAs for first-time homebuyers, restrictions apply. Min. FICO 620

FHA
Designed to make homeownership more accessible for FTHBs & those with lower credit scores. No overlays, Manual underwriting available! Min. FICO 550

VA
Help secure welfare and homeownership for veterans and their families, VA loan benefits include no down payment, simple underwriting, low rates, and flexible qualification guidelines. Min. FICO 620, up to LTV/CLTV 100%.

Temporary Buydown
Make homeownership more affordable! Reduce your client's monthly payments by securing a lower interest rate for up to 2 years.

CalHFA FHA
Designed to provide affordable housing options for low-to-moderate income homebuyers. Min. FICO 640 and up to LTV/CLTV 96.5/100%

CalHFA Conventional
Tailored toward a market of both first-time homebuyers and low-income borrowers, this option offers flexible, low down payment mortgage options. Min. FICO 680 and up to LTV/CLTV 97/100%