Homebridge Financial Services · Lender
Homebridge Financial Services
Review published mortgage options and requirements, then request a personalized quote from the lender.
Availability: Homebridge is not acting on behalf of or at the direction of HUD/FHA Or the Federal Government
At a glance
- Property use
- Primary residence
- Credit requirement
- 620
- Reserves
- All reserves required by Loan Product Advisor (LPA), as stated on the LPA Feedback Certificate (Accept Findings)
Still to confirm: Borrower type.
Our take: Pros & Cons
What we like
- Homebridge Wholesale and REMN Wholesale are listed origination channels
What to consider
- Mortgage consumers should use the appropriate lender or mortgage-professional channel
- Program-specific eligibility remains unconfirmed pending approved official guideline sources
AI-generated lender-level assessment based on published information. Not a verified assessment of Home Possible; confirm program-specific conditions below.
Newcomer requirements
Home Possible
Fit not assessed · Check fit
Verified published requirements for this program. Rate-example assumptions are separate and do not establish eligibility or approval.
- Minimum credit score
- 620
- Income documentation
- Published conditions apply. Read the full lender requirements below before applying.
- Employment documentation
- Published conditions apply. Read the full lender requirements below before applying.
- Reserves
- All reserves required by Loan Product Advisor (LPA), as stated on the LPA Feedback Certificate (Accept Findings)
- Property restrictions
- Published conditions apply. Read the full lender requirements below before applying.
- Occupancy
- Primary residence
View full lender requirements
- Minimum credit score
- 620
- Income documentation
- Home Possible: automated review only. Expanded Plus: 12- or 24-month bank statements, profit-and-loss statement, or third-party expense statement. Simple Access: full documentation, bank statements, 1099-only, profit-and-loss-only, or investor cash-flow documentation.
- Employment documentation
- For Home Possible, income and eligibility are checked through the automated review system, and only an acceptable automated result is allowed. For Expanded Plus, income may be shown with personal bank statements over 12 or 24 months, or with business bank statements using a current profit-and-loss statement or a third-party expense statement. For Simple Access, full documentation, bank statements, 1099-only, profit-and-loss-only, or investor cash-flow documentation may be used. For the home-equity line, self-employed borrowers who pay themselves wages may provide two years of tax returns, two years of W-2 forms, or year-end pay stubs from the most recent two years.
- Reserves
- All reserves required by Loan Product Advisor (LPA), as stated on the LPA Feedback Certificate (Accept Findings)
- Property restrictions
- For Home Possible, only a home the borrower will live in is eligible: 1- to 4-unit homes, condominiums, planned-unit homes, and manufactured homes with restrictions. Cooperative homes, non-warrantable condominiums, and mixed-use properties are not eligible. Second homes and investment properties are not eligible, and super-conforming loans are not eligible. The home-equity line is only offered together with a first mortgage, not on its own.
- Occupancy
- Primary residence
- Other conditions
- Home Possible: the home must be the borrower's main home; qualifying income must not exceed 80% of the area median income for the location; at least one borrower must live in the home; a non-occupying co-borrower is allowed only for a 1-unit home with financing at or below 95%; first-time buyers buying a home must complete approved homebuyer education before signing, and buyers of 2- to 4-unit homes must complete landlord education before signing; no maximum housing-expense ratio is set and the total debt ratio is set by the automated review; savings required are set by the automated review; mortgage insurance follows the standard coverage table for this program; mortgage credit certificates and temporary rate buydowns are not eligible. For a 1-unit Home Possible purchase, maximum financing is 97%, which corresponds to a 3% down payment, and no minimum personal contribution is required for a 1-unit home. Expanded Plus: minimum score 620; personal bank statements may count in full, business bank statements may use a profit-and-loss statement at 80% of eligible deposits or a third-party expense statement; stocks and bonds counted as assets are limited to 70% of value; no more than half of business funds may be used for down payment and closing costs unless a CPA letter confirms the business will not be harmed; cash-out funds may count toward savings. Simple Access: reserve amounts are 3 to 12 months of housing payments depending on loan size, loan-to-value and option; for investment properties, 4- or 5-year prepayment options are available, with a charge equal to six months of interest on amounts prepaid within a year above 20% of the original loan. Home-equity line: non-occupant co-borrowers may be allowed if fully credit-qualified and on title. Visa conditions, foreign income, foreign assets, residency requirements, geographic restrictions, and foreign/alternative credit pathway: not confirmed in the guideline documents used.
Questions to confirm with the lender (10)
These requirements have not been verified for this program:
- SSN
- ITIN
- U.S. credit history
- Foreign credit history
- No credit history
- Residency / visa
- Minimum down payment
- Foreign income
- Foreign assets
- State restrictions
Requirements last reviewed: Nov 4, 2026 · Official requirements source
Rates and costs
Home Possible
Rates are available on request
No reviewed advertised rate example is linked to this program.
How to apply
Home Possible
- Home Possible: automated review only. Expanded Plus: 12- or 24-month bank statements, profit-and-loss statement, or third-party expense statement. Simple Access: full documentation, bank statements, 1099-only, profit-and-loss-only, or investor cash-flow documentation.
- For Home Possible, income and eligibility are checked through the automated review system, and only an acceptable automated result is allowed. For Expanded Plus, income may be shown with personal bank statements over 12 or 24 months, or with business bank statements using a current profit-and-loss statement or a third-party expense statement. For Simple Access, full documentation, bank statements, 1099-only, profit-and-loss-only, or investor cash-flow documentation may be used. For the home-equity line, self-employed borrowers who pay themselves wages may provide two years of tax returns, two years of W-2 forms, or year-end pay stubs from the most recent two years.
- Reserve requirements: All reserves required by Loan Product Advisor (LPA), as stated on the LPA Feedback Certificate (Accept Findings)
- Confirm the program's identity, residency, credit and property requirements with the lender.
- Use the official application channel to request pricing for your actual scenario.
- Review the lender's written Loan Estimate, including costs and cash to close.
Published eligibility and availability do not guarantee approval. Confirm membership, relationship, property and occupancy conditions with the lender.
Sources and methodology
About this lender
Homebridge Financial Services operates mortgage origination channels including Homebridge Wholesale and REMN Wholesale, with a separate Homebridge HELOC channel.
Legal lender: Homebridge Financial Services, Inc.
Lending channel: Through mortgage brokers
Provider type: Mortgage company
Lending channels: Through mortgage brokers. Origination status: Not stated.
NMLS identifier: 6521
More lender directory information
Homebridge is not acting on behalf of or at the direction of HUD/FHA Or the Federal Government
Directory verified: 2026-10-28 UTC · Official directory source ↗
Official mortgage terms · Profile reviewed: Oct 28, 2026
- Official lender source · Last checked Not confirmed
What do APR, points, LTV and reserves mean?
- APR
- An annualized borrowing-cost measure that includes interest and certain loan charges. Read it alongside the interest rate and fees.
- Discount points
- An upfront charge expressed as a percentage of the loan amount. Compare the quoted interest rate and the points together.
- LTV
- Loan-to-value: the loan amount relative to the property's value.
- Reserves
- Assets the lender may require you to retain after closing. Requirements differ by program.