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Compare Your Loan Options


Conventional
Refinance
FHA
Streamline
VA
IRRL
USDA
Streamline
Non-QM
Refinance
Jumbo
Refinance
Texas
Cash Out
Minimum FICO
Credit Score
620 640 620 620 540 700 620
Maximum
Loan To Value
95% 95% 100% 100% 80% 75% 80%
Maximum
Debt To Income
45%* 50%* 41%* 41%* 50%* 43%* 45%*
Mortgage
Insurance
Yes
> 80% LTV
Yes No Yes No No No
Years Since
Bankruptcy
4 2 2 3 1 day* 7 4
Years Since
Foreclosure
7 3 2 3 1 day* 7 7
Years Since
Short Sale
4 3 2 3 1 day* 7 4
Special
Qualification
Requirements
None Must have FHA Mortgage Must be U.S. Veteran USDA *Rural* Property Only None 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
:
620
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
Non-QM Refinance
Minimum FICO
Credit Score
:
540
Maximum
Loan To Value
:
80%
Maximum
Debt To Income
:
50%*
Mortgage
Insurance
:
No
Years Since
Bankruptcy
:
1 day*
Years Since
Foreclosure
:
1 day*
Years Since
Short Sale
:
1 day*
Special
Qualification
Requirements
:
None
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.