Minimum Credit Score: 620
Do not have to be a First Time Home Buyer
Must Occupy the Property as your Primary Residence
3.5% Down Payment Required
Maximum Loan Amount: $472,030
Bankruptcy Ch. 7 ok after Discharged 2 Years
Bankruptcy Ch. 13 ok after Discharged 1 Year Forclosure/Short Sale/Deed-in-lieu, ok after 3 Years

Seller Concessions up to 6%
Gift Funds for Down Payment or Closing Costs Allowed
No Restrictions on Locations of Property
No Restrictions on Income
Non-occupying Co-borrowers are Allowed
No Prepayment Penalty