Manufactured Homes

Allowed on Conventional, VA, and FHA

Conventional: Allowed 10% Down with 620 FICO

FHA: with 500 FICO

VA: Allowed to Maximum Financing with 540 FICO

Cash out now Refi available!

Buying a Home

At our company, our goal is to give you the best home buying experience possible. We offer low interest rates and a quick, easy loan process to alleviate the stress of purchasing a home.

With low down payment options and easy qualification, we have a variety of loan programs to suit your needs.

Our team will work with you to find the best loan options for your specific circumstances, so you can achieve homeownership without added stress.

Here are the BASIC guidelines on what you can expect.

Bank reserves are funds that borrowers must have available after closing to cover a set number of months' mortgage payments, demonstrating financial stability and ensuring they can handle unforeseen expenses.

Understanding Bank Reserves

FHA Loans

Minimum Credit FICO Score:

580

500-579 FICO with 10% down

Min Down Payment:

3.5%

Max Loan Limit:

$1,149,825 (varies depending on county)

VA Loans

Minimum Credit FICO Score:

580

540-579 FICO with 10% down payment

Min Down Payment:

0%

Max Loan Limit:

$2,000,000

Jumbo Loans

Minimum Credit FICO Score:

660

Min Down Payment:

10%

Min Loan Limit:

$1,149,825 (Max Loan Limit: $5M)

Conventional

Minimum Credit FICO Score:

620+

Min Down Payment:

3% for first time homebuyers or 80% under area median income

5% for non- first time homebuyers

Max Loan Limit:

$1,149,825 SF COUNTY (varies depending on county)

No Income Documentation Loan

Minimum Credit FICO Score

660+: 35% down/9 months reserves

680+ : 25% down/9 months reserves

720+: 20% down/12 months reserves

Max Loan Amount:

$3,000,000

Private Money Loans

Investors Program

Minimum Credit FICO Score:

No Minimum Credit Score

Min Down Payment:

15%-35%

Loan Amount:

Subject to individual scenarios.

Please call for more information.

Alt Docs Loans:

Minimum credit score:

P&L No tax returns 680+

Min Down Payment:

15%

20% investment home

Minimum score :

Bank Statements No tax returns

640+

Down payment:

10% Primary (700+)

15% investor

ITIN

Minimum Credit FICO Score:

600 w2/660 1099

No Credit Score available

Min Down Payment:

3.5%

Max Loan Amount:

$2,000,000

Foreign Nationals

Minimum Credit FICO Score:

680

Foreign national score accepted

Max Loan Amount:

1,500,000

Min Down Payment:

30-35% down

1-4 unit Dwellings

If you feel these guidelines don't quite fit your situation, give us a call and we'll explore what we can do. It doesn’t hurt to try—the worst that can happen is a maybe.

This is a general guideline on what you can expect.

Please note that things change frequently, often resulting in better programs or guidelines that benefits you.

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Have questions about making a purchase or finding the right loan program for you?

Contact us today for expert guidance and personalized assistance.