Target Borrower:

• A credit score of above 620 for most lenders

• 3% down payment for first time homebuyers

• 5% down payment for non-first time homebuyers

Target Borrower:

• A credit score of above 580 for most lenders

• 3.5% down payment

• Fixed Rate and Adjustable Rate loans permitted

Target Borrower:

• For Veterans or Surviving Spouses

• A credit score of above 620 for most lenders

• No down payment

• Must have DD214 with an honorable discharge

Target Borrower:

• A credit score of above 620 for most lenders

• Property must be located in a rural area or town, generally areas with less than 20,000 people

• No down payment

• NOTE - Income limits apply

Target Borrower:

• Loan amount above $647,200 in most counties

• A credit score of above 680 for most lenders

• Down payment starting at 10%

Target Borrower:

• For Self Employed Borrowers who do not qualify with tax returns due to business expenses

• Down payment starting at 10%

• No Private Mortgage Insurance required for most lenders

• Fixed Rate and Adjustable Rate loans permitted

• Jumbo loans permitted

Target Borrower:

• Full Income and Asset Documentation Loans

• Between $3,000,000 and $10,000,000

• Minimum of 35% Down Payment

NOTE: Usually require a significant amount of Reserves.

Target Borrower:

• For Investors Only

• Qualify based solely on cash flow generated from investment property and not on personal income

• Can be used for residential or commercial properties

• Down Payment starting at 10%

Target Borrower:

• For borrowers who have a significant liquid assets who show minimal income

• Traditional Income can be combined with asset income

• A credit score of above 680 for most lenders

• Down payment starting at 10%