Conforming Fixed Loans
Property types available for financing single family residence, condos, town houses, rural housing, and 2-4 unit homes.
Terms: 30, 25, 20, 15, and 10-year loans.
Programs include:
. Loan amounts from $40,000 to $417,000
· Ratios 28/40, these ratios may be expanded with our electronic underwriting
· 5% of borrowers own funds must be contributed towards the loan; everything else may come as a gift.
· 3% seller contribution.
· Lender may participate in paying buyers costs.
· MI will very with the type of program and amount invested. 
· 620 minimum credit score required for maximum financing.
· 2 months of PITI for reserves.

Affordable Housing:
· Loan amounts from $ 40,000 to $417,000
· Max debt ratio of 41%.
· 620 credit score.
· No income limits.
· 4 credit lines with a 12-month history.
· 2 months of PITI (can come from a gift).
· The borrower need not contribute any of their own funds for down payment, closing costs, or prepaids. The funds may come as a gift, secured or unsecured loan.
· Borrower can currently own property

FHA Loans
· Maximum loan amounts
· Harris county $171,050 

.Brazoria county $171,050
· Ratios 29% and 45% for maximum financing, these ratios can be expanded with our electronic underwriting
· Seller can pay up to 6% of buyer's costs.
· 100% gift allowable for buyers investment.
· No credit scores.
· Well & septic on less than an acre or in a flood zone is OK, but must be typical for area.
· Perfect credit not required.
· Non-occupying co-borrower allowed to help qualify.
· No reserves needed.
· Non-permanent resident alien permitted

VA Loans
Loan amounts to $417,000
· 100% loan, conditions and restriction will apply
· One ratio of 41%, this ratio can be expanded with our electronic underwriting.
· Seller can pay 4% of buyer's costs.
· No reserves required.
· No credit scores.
· Subdivision must be VA approved.
· Texas Vet program available with reduced rates (call for rates and eligibility requirements).