FHA VOE Only

• 580 FICO with Maximum CLTV 100%
• Third Party VOE
• Must Be at Same Job for 2 Years
• Max DTI 46.99/54.99%
• 30 Days Most Recent Paystub Required
• NO 1040, NO W2 or 4506 C
• Employer Must Be Verifiable

FHA – No Score

• 1 FICO score OK
• Score 500-579 – max. 90% LTV
• Score 580+ – max. LTV allowed
• Max. mortgage limits not to exceed the nationwide mortgage limits
• No tradeline requirements

VA Loans

• Loans Up to $4M 
• 620+ FICO score OK 
• Up to 100% LTV – Purchase, Rate and Term, and Cash-out
• Single family primary residence
• Available on single and multi wide manufactured homes
• One Time Close New Construction Loans
• Escrow waivers up to 100%
• Ignore mortgage lates, foreclosures, BKs and short sales of non-borrowing spouses

USDA Loans- Rural Properties

• Min. FICO 580 • LTV – R/T: 100% of Appraised Value *LTV may exceed 100% in some cases 
• Single-Time Loan- Finance the purchase of a lot, the cost of construction, and the long-term mortgage in one loan
• Limited Renovation Loan – add up to $35,000 for non-structural repairs and renovations to the cost of a home 
• Standard Renovation Loan – add more than $35,000 for structural repairs to the cost of a home

Manufactured Home Loans

• Min. FICO per investor guidelines 
• FHA/VA/Conforming Products
• Purchase, R&T and C/O 
• Investment properties allowed on FHA Streamline, DU Refi Plus and Open Access 
• Conforming Loan Limits • USDA1XC