Invest in Your Future, Let’s Make It Happen

Conventional Loans

• Lowest interest rates available
• For borrowers with strong credit history
• Usually requires 20% down payment

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FHA Purchase

• Low Down Payment, Flexible Sources
• Optional Mortgage Insurance
• Simple Qualifications

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VA Loans up to 100% LTV

• Lower interest rates and upfront costs
• Purchases and refinance options
• Allows up to 100% financing for Veterans

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Down Payment Assistance

• 620 Minimum FICO
• Homebuyer Counseling Required
• Must occupy property as primary residence

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3% Down for 1st Time Buyers

• 97 LTV – Scores as low as 620 (not FHA)
• This is only available for first-time buyers
• Maximum loan amount of $417,000

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1% Down Payment

• 620 Minimum Credit Score
• Reduced Mortgage Insurance
• Not limited to first-time homebuyers

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Home Ready Program

• Down payments as low as 3 percent
• Home Possible Mortgage Program
• HomeStyle Renovation Program

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Home Possible Mortgage Program

• Flexible credit terms and payment options
• Reduced PMI requirements
• No cash reserve requirement options

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Home Style Renovation Program

• Available For Up To 80% LTV
• Can Own Up To 4 Financed Properties
• No Minimum Repair Amount Required

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Back to Work Program

• Good credit history
• Financing solution for the right borrowers
• FHA loan requirements

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Co-Op Purchase Loans

• Purchase or Refinance at 95% Financing
• Investment Co-Op & second home Co-Ops
• 24 years of Co-Op financing experience

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High Balance – Jumbo/Super Jumbo

• Qualify for loan amounts up to $3 million
• Available for self-employed borrowers
• Cash-out refinances up to 70% LTV

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Condo Purchase Mortgages

• 97% Financing with 640 credit scores
• 80% Financing on investment condos
• Non-Warrantable condos specialists

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Home Key Program

• Loan amounts of up to $1.5 million
• 75 LTV
• 50 percent debt-to-income ratio

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No Income Check

• No Income / No Employment Needed
• Up to 75 LTV
• Credit Score 680

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10% Down Payment With No PMI

• Primary and secondary homes
• Credit score of 680
• 30-year fixed-rate

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Hometown Heroes

• Up to 5% Assistance
• Flexible Usage
• Affordable Repayment

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