FHA Purchase
- 550 Min FICO / 90% LTV
- 580 FICO / 96.50% LTV
FHA Streamline Refinance (No Income Documentation)
- 580 Min FICO / 90% LTV
- 600 Min FICO 97.75% LTV
FHA Cash Out Refinance
- 580 FICO / 80% LTV
- Manual U/W: 600 FICO / 80% LTV
Expanded Guidelines:
- Non-Occupant Co-Borrower allowed per FHA guidelines
- Manufactured Homes allowed
- 0x30 lates in last 12 months for all manual underwrites (follows FHA guidelines for AUS approved loans)
VA Program Enhancements
- All Primary Residence
VA Purchase
- Min FICO 580, 100% LTV, up to $1.5 Million
VA Cash Out Refinance
- Min FICO 580, 90% LTV, up to $1.0 Million
- Min FICO 600, 100% LTV, up to $1.0 Million
- Min FICO 640, 100% LTV, > $1.0 Million up to $1.5 Million
VA IRRRL
- Min FICO 550, 100% LTV, up to $1.0 Million
- Min FICO 580, 125% LTV, up to $1.0 Million
- Min FICO 640, 125% LTV, > $1.0 Million up to $1.5 Million