100% Financing to 620 credit score

97% Financing 580 to 619 credit score

TLTV to 105% with approved down payment assistance program

Single ratio to 45% if all income is documented

Secondary Slated Income allowed, Max 40% ratio (see details below)

Purchase or Rate/Term Finances (Owner Occupied only, cannot own any other property)

1-2 Unit PUD, Condo, Manufactured Housing (single or double wide)

15, 20, and 30 year Fixed Rate (add .625 to price of regular conforming fixed rate)

Intermediate ARM's 5/1 ARM (Add .375 to price), 7/1 ARM (Add .50 to price)

No reserves required

Seller contribution up to 6%

>95.00%  LTV requires 40% MI coverage (factor is 1.09)