Conventional Loans
- Minimum 620 Credit Score with LTV’s up to 97%
- High Balance Loan Amounts Available
- Double-Wide Manufactured Homes up to 95%
- Fannie or Freddie Approve Eligible/Accept Required
FHA Loans
- 540-579 FICO with LTV’s up to 90% (Max 50% DTI)
- 580+ FICO with Maximum Ratios 55% DTI
- High Balance Available
- Manual Underwrited Allowed
Harbor FHA Loans
- 620 FICO – Must be at the same job for 2 years
- Third-Party VOE Only
- Maximum Ratio 55% DTI
- Employer Must Have Internet Presence
- 96.5% LTV
JUMBO Loans
- Minimum 660 FICO
- 90% LTV up to $1MM on Purchase
- Loan Amounts to $3MM
- Cash Out on Loan Amounts to $2MM
- Gift Funds Allowed for Closing Cost
Manufactured Home Loans
- Allowed on Conventional, VA, and FHA
- Conventional: Allowed to 95% LTV with 620 FICO
- FHA: Allowed to Maximum Financing with 540 FICO
- VA: Allowed to Maximum Financing with 540 FICO
VA Loans
- 540-579 FICO with Maximum 90% LTV
- 580+ FICO with Maximum 100% LTV
- Qualification per AUS to a 55%+ Back-End DTI – Must Meet Residual Income Guidelines
- Loan Amounts / Cash-Out up to $1.5 Million
- Manual Underwrites Allowed