| VA | FHA | USDA | Conventional | |
|---|---|---|---|---|
| Down Payment | 0% | 3.5% | 0% | min 3% |
| Credit Profile | 620+ | 560+ | 640+ | 620+ |
| Debt to Income Ratio | Up To 57% | Up To 56.99% | Up To 46% | Up To 45% |
| Mortgage Insurance | Varies By Situation | Required | Required | Varies by Situation |
| Property Type | Primary residence (1-4 family unit homes, townhomes, condos) |
Primary residence (1-4 family unit homes, townhomes, condos) |
Primary residence (1-4 family unit homes, townhomes, condos) |
Primary residence 2nd home Investment Property (1-4 family unit homes, townhomes, condos) |
| Refinance Options | Interest Rate Reduction Loan* Cash-out up to 95% Rate & Term adjustment |
Streamline Cash-out up to 85% Rate & Term adjustment |
Streamline |
Cash-out Rate & Term adjustment |
| Loan Term | 15-30 Years | 15-30 Years | 30 Year | 15 - 20 - 30 Year |
| Apply Now | Apply Now | Apply Now | Apply Now |
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