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We haven’t verified credit, down-payment or reserve requirements for this program.

We haven’t verified credit, down-payment or reserve requirements for this program.

Credit requirement

620 is the typical floor on conventional community lending programs. Some programs accept alternative credit documentation for borrowers with thin files.

Down payment

Community lending programs allow 3% down with flexibility on down payment source (gifts, grants, assistance programs) and reduced mortgage insurance costs compared to standard conventional loans.

Not yet verified: Reserves.

Credit requirement

620+ for conventional ARMs; some loan types allow lower. Higher scores get tighter pricing on both the intro rate and the margin.

Down payment

5% or more on conventional ARMs is typical; 3.5% on FHA ARMs. Lower down payments mean PMI or MIP.

Not yet verified: Reserves.

Credit requirement

Conventional cash-out generally requires at least 620; FHA cash-out can accept lower; the strongest rates go to 740+.

Not yet verified: Down payment, Reserves.

Credit requirement

You’ll need a minimum FICO score of 680 to qualify for an AmeriSave DSCR loan.

Down payment

20–25% minimum for most programs; can be higher for short-term rentals or certain property types.

Reserves

Often 3–6 months of mortgage payments in liquid assets at closing.

Down payment

3.5% with 580+ FICO; the full down payment can come from gift funds.

Not yet verified: Credit requirement, Reserves.

We haven’t verified credit, down-payment or reserve requirements for this program.

Credit requirement

620+ for conventional; 580+ for FHA; VA and USDA have flexible minimums. Higher scores get better rates.

Down payment

3% (some conventional), 3.5% (FHA), 5%+ (conventional), 0% (VA, USDA for eligible borrowers); 20%+ avoids PMI on conventional.

Not yet verified: Reserves.

Down payment

Freddie Mac’s Home Possible® loan program helps low-to-moderate-income borrowers afford a home. It also offers low down payments (as low as 3%) and flexible credit terms.

Not yet verified: Credit requirement, Reserves.

Down payment

A HomeReady® mortgage is a Fannie Mae-backed loan for low-to-moderate-income borrowers. It features low down payments (as little as 3%), reduced mortgage insurance, and flexible credit guidelines to make homeownership more accessible.

Not yet verified: Credit requirement, Reserves.

Credit requirement

700+ minimum typical; 740+ for the lowest rates. Multi-million-dollar loans may require even higher scores.

Down payment

Typically 10–20%; some programs require 25%+ for very large amounts or investment properties.

Reserves

6 to 12 months of mortgage payments in liquid assets, verifiable at closing.