• As low as 3% to 5% down payment (owner occupied)
  • Minimum 620 credit score required
  • Use for primary, vacation, or investment home
  • Mortgage insurance not required (lender paid available)
  • Can have multiple loans at once


  • Best option if you have 20% equity ( or down payment)
  • Best option if you have credit scores above 680
  • Best option if you are buying an investment property to hold
  • Adjustable rate mortgage hybrids fixed for 5,7 or 10 years
  • Fixed rate can be adjusted to any term under 30 years