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Compare Your Loan Options


Conventional
Refinance
FHA
Streamline
VA
IRRL
USDA
Streamline
Jumbo
Refinance
Texas
Cash Out
Minimum FICO
Credit Score
620 640 660 620 700 620
Maximum
Loan To Value
95% 95% 100% 100% 75% 80%
Maximum
Debt To Income
45%* 50%* 41%* 41%* 43%* 45%*
Mortgage
Insurance
Yes
> 80% LTV
Yes No Yes No No
Years Since
Bankruptcy
4 2 2 3 7 4
Years Since
Foreclosure
7 3 2 3 7 7
Years Since
Short Sale
4 3 2 3 7 4
Special
Qualification
Requirements
None Must have FHA Mortgage Must be U.S. Veteran USDA *Rural* Property Only Loan amount above Conv. guidelines Texas Only
Conventional Refinance
Minimum FICO
Credit Score
:
620
Maximum
Loan To Value
:
95%
Maximum
Debt To Income
:
45%*
Mortgage
Insurance
:
Yes
> 80% LTV
Years Since
Bankruptcy
:
4
Years Since
Foreclosure
:
7
Years Since
Short Sale
:
4
Special
Qualification
Requirements
:
None
FHA Streamline
Minimum FICO
Credit Score
:
640
Maximum
Loan To Value
:
95%
Maximum
Debt To Income
:
50%*
Mortgage
Insurance
:
Yes
Years Since
Bankruptcy
:
2
Years Since
Foreclosure
:
3
Years Since
Short Sale
:
3
Special
Qualification
Requirements
:
Must have FHA Mortgage
VA IRRL
Minimum FICO
Credit Score
:
660
Maximum
Loan To Value
:
100%
Maximum
Debt To Income
:
41%*
Mortgage
Insurance
:
No
Years Since
Bankruptcy
:
2
Years Since
Foreclosure
:
2
Years Since
Short Sale
:
2
Special
Qualification
Requirements
:
Must be U.S. Veteran
USDA Streamline
Minimum FICO
Credit Score
:
620
Maximum
Loan To Value
:
100%
Maximum
Debt To Income
:
41%*
Mortgage
Insurance
:
Yes
Years Since
Bankruptcy
:
3
Years Since
Foreclosure
:
3
Years Since
Short Sale
:
3
Special
Qualification
Requirements
:
USDA *Rural* Property Only
Jumbo Refinance
Minimum FICO
Credit Score
:
700
Maximum
Loan To Value
:
75%
Maximum
Debt To Income
:
43%*
Mortgage
Insurance
:
No
Years Since
Bankruptcy
:
7
Years Since
Foreclosure
:
7
Years Since
Short Sale
:
7
Special
Qualification
Requirements
:
Loan amount above Conv. guidelines
Texas Cash Out
Minimum FICO
Credit Score
:
620
Maximum
Loan To Value
:
80%
Maximum
Debt To Income
:
45%*
Mortgage
Insurance
:
No
Years Since
Bankruptcy
:
4
Years Since
Foreclosure
:
7
Years Since
Short Sale
:
4
Special
Qualification
Requirements
:
Texas Only

* General guidelines listed in this loan comparison chart are subject to exception based on your individual financial history and status. Speak with a licensed mortgage consultant about your qualification for a mortgage loan. Loan programs, rates, terms, and conditions are subject to change without notice. Terms and conditions apply. All loans are subject to federal underwriting guidelines.