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Homeowner’s Access Loan

Loan term of 30 years
For borrowers who can demonstrate the ability to repay, but otherwise don’t meet traditional guidelines due to various reasons, including: prior housing/credit events, high DTI, non-traditional credit, or lack of mortgage or rental history.
  • Minimum credit score 610 to qualify
  • Minimum loan amount of $100,000
  • Maximum loan-to-value (LTV) 90%
  • Maximum debt-to-income ratio 50%
  • NO Private Mortgage Insurance (PMI)
  • Reserves required
  • Gift funds allowed