FHA Loan Products

Fast, affordable FHA loans for purchase and cash-out. Ideal for first-time borrowers.

FICOS FROM 500-578 FOR PURCHASE AND R/T UP TO 90% LTV

FHA PURCHASE, RATE/TERM AND CASH-OUT

  • Low 3.5% down payment - all can be from gift funds

  • FICOs from 500 for Purchase and Rate/Term to 90%

  • FICOs from 580 for Purchase to 96.5%

  • FICOs from 580 for Rate/Term to 96.5%

  • FICOs from 580 for Cash-Out

  • DTI subject to AUS findings

  • DACA eligible borrowers

  • 1 to 4 units

  • Manufactured Homes

  • Manual Underwriting

FHA STREAMLINE

  • FICOs from 580

  • Flexible credit and underwriting guidelines

  • Mortgage-only credit report accepted

  • No income verification

  • No appraisal requirement

  • Manufactured Homes

  • May not need to document funds to close

  • Variable loan terms down to 240 can help meet NTB test