Program Requirements

<95% LTV

No DPA programs

720+ credit score

Single family residence

Owner-occupied

<38%/41% DTI

6+ months reserves in addition to verified down payment

Employed for 3+ years in same line of work, no job changes

W2 income (no commission, overtime, bonus, S/E income, etc.)

Suburban/Urban area (no rural areas)

No BKs, foreclosure, mortgage lates, collections, judgments, etc.

ALL PRELIMINARY DOCUMENTATION MUST BE COLLECTED UP FRONT AND SUBMITTED AT ONCE TO OUR PROCESSING DEPARTMENT FOR REVIEW. NO PIECE-MEAL DOCUMENTATION.

EXCEPTIONS FOR THE PROGRAM WILL BE REVIEWED ON A CASE-BY-CASE BASIS.