• Down payment can be less than 3% of the Sales Price
• 100% Financing options available
• Gifts for the down payment and closing costs are allowed.
• No reserves are required.
• FHA regulates closing costs.
• Seller can credit up to 6% of sales price towards buyers costs.

• No minimum FICO score or credit score requirements.
• Your credit report should typically have less than two thirty-day lates in the last two years.
• Bankruptcies two years or older, with good credit since
• Foreclosure’s three years or older, with good credit since

Easy Debt Ratio & Job Requirement Guidelines:

• Higher Debt Ratio's than other home loan programs.
• Your last two years of income should be the same or increasing
• Less than two years on the job is allowed.
• Your new mortgage payment should be approximately 30% of your gross income.
• Self-Employed individuals OK!

FHA Streamline Refinance Loans
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Refinancing with the FHA Streamline program is a simple process that requires minimal paperwork and hassle.

Benefits of the FHA Streamline:

• No Cost Interest Rate Reduction programs.
• Easy credit and income qualifications.
• No Origination Fee and no points options available
• It is simple to shorten or lengthen the term of your existing loan.

What do we need from you to Streamline?

• The online credit application
• Drivers License and Social Security Card
• Monthly Mortgage Statement
• Note to the House and Deed of Trust
• Copy of your current Home Owners Insurance Policy