Fixed periods of 8- to 30-years available.

Buy a home with as little as 3% down (primary home).

Refinance up to 97% of your primary home’s value.

Monthly payments remain the same for the entire loan term.

Competitive interest rates that are routinely lower than conventional rates.

Sellers can pay up to 4% of closing costs and concessions.

Higher allowable debt-to-income ratios than for many other loans.

100% cashout and 0% down payment for Purchase loans.

5/1, 7/1, and 10/1 ARMs. Monthly payments based on a 30 year repayment schedule.

The rate stays fixed for the first 5, 7, or 10 years (depending on chosen term), and then adjusting annually thereafter

3.50% down payment required on purchase.

Extremely flexible credit guidelines.

Refinance up to 97.75%