Government Loans

FHA Loans

• 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

•  1 FICO score OK
• Up to 100% LTV - Purchase, Rate and Term, and Cash-out
• No max loan amount
• Max 65% DTI
• No tradeline requirements
• Ignore mortgage lates, foreclosures, BKs and short sales of non-borrowing spouses

USDA Loans

• 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