Most lenders have a couple of programs & try to fit you into what they offer.
I work with dozens of lenders and find a program that matches you.
Example: your realtor's in house lender may require a 620 on an FHA or VA Loan. My lenders can go down to a 500 on an FHA loan and 550 on a VA loan.
Or, you may not have enough of a down payment, my lenders offer FHA $0 Down Loans or 1% Down Conventional Loan.
Here is a list of the loan programs I can offer you:
- USDA - 580 Credit Score - $0 Down
- Jumbos - down to 600 Credit Score - 20% - 30% down
1. Foreclosure 1 day out @30% down
2. Bankruptcy 1 day out @30% down
3. Bank Statement only Programs