Loan Products



**No down payment required**

Term Offered
  • 30 year fixed rate
Eligible Properties
  • 1 unit
  • Condo
  • Planned Urban Developments (PUD)
Seller Concessions
  • No Limit
**Property Eligibility and Income Limit Requirements. Call for details**


Down Payment
  • Minimum 3.5%
  • May be from your own funds or other acceptable source
Flexible Terms
  • 10, 15, 20, 25, 30-year fixed rate
Eligible Properties
  • 1-4 unit properties
  • Planned Urban Development (PUD)
Seller Contributions
  • Maximum 6% seller contributions
Transaction Type
  • Purchase
  • Rate/term Refinance
  • Cashout Refinance
  • Streamline Refinance
**Borrower can qualify without credit score. Call for details**

Veteran Affairs (VA)

The Veterans Administration loan program enables veterans and active duty personnel to purchase or refinance a home with favorable loan terms.

  • 15 or 30-year fixed-rate mortgage
  • 3 or 5-year adjustable-rate mortgage
  • No down payment per VA county limit
  • Seller assistance may be possible
  • Loan amount up to $729,750
  • Low minimum credit score *
  • 95% cash-out refinances available
Eligible Properties*
  • 1- to 4-unit property
  • Planned Urban Developments (PUD)
  • Condominiums
*Programs available only to qualified borrowers. Programs subject to change without notice. Underwriting terms and conditions apply. Some restrictions may apply.



Down Payment
  • Minimum 3% down
Flexible Terms
  • 10, 15, 20, 25 and 30-year fixed rate
  • 3/1 and 5/1 Libor ARMs
Eligible Properties
  • 1 to 4-unit properties
  • Fannie Mae/Freddie Mac-eligible condominiums
  • Planned unit developments (PUDs)
  • Modular homes
Transaction Type
  • Purchase
  • Rate/Term Refinance
  • Cashout
Seller Concessions
  • Up to 6% seller concessions

HomePath - Renovation

Specifically for borrowers purchasing a Fannie Mae-owned property and funding moderate renovation.

Features and Benefits
  • Primary residence and investment property purchase transactions
  • Financing to fund both your purchase and light renovation
  • Renovation funds are borrowed as part of the purchase financing and held in escrow until the renovations are completed
  • Low-down payment and flexible mortgage terms (fixed-rate or adjustable-rate)
  • No mortgage insurance required
  • Renovation costs are limited to 35% of the “as repaired” value or $35,000, whichever is less, and must be completed with 3 months of the loan closing
  • Geographic and unit restrictions apply
**Ask about cost details on loans without mortgage insurance.
**Programs available only to qualified borrowers. Programs subject to change without notice. Underwriting terms and conditions apply. Some restrictions may apply. HomePath is a registered trademark of Fannie Mae.


HomePath loans are specifically for borrowers purchasing a Fannie Mae-Owned property.

Flexible Terms
  • 10-, 15-, 20-, 25- and 30-year fixed rate
  • 3/1 and 5/1 Libor ARMs.
Eligible Properties*
  • 1 to 4-unit properties
  • Planned unit developments (PUDs)
  • Modular homes.
Features and Benefits
  • Low down payment
  • You may qualify even if your credit is less than perfect
  • Available to both owner-occupiers (primary and second homes) and investors
  • Down payment can be funded as a gift, a grant, or a loan from a nonprofit organization, state or local government or employer
  • No mortgage insurance **
  • No appraisal required
  • High balance available


The goal of this program is to allow borrowers who are upside down on their home or have little equity left to refinance at today’s interest rates. Borrowers may benefit from:

  • No appraisal
  • Finance up to 125% of the value
  • No mortgage insurance
  • Decreased mortgage payments
  • Reduced or extended mortgage term
  • Using current mortgage insurance or obtaining new mortgage insurance, whichever is less

Homes For Heroes

Homes for Heroes® is a company that affiliates with Realtors®, lenders and other real estate-related service providers who offer substantial rebates and discounts to the Heroes who serve our nation and its communities every day.

Wondering if you qualify to be a hero? Read more about our Homes For Heroes loan program...