Credit Flexible Loan

* Purchase or Refinance up to 100% Loan to Value with no second mortgage

* Reduced Mortgage Insurance so your total monthly loan payment is lower than with a 1st and 2nd combo (though the combo is available as well without MI)

* No reserves required - single family residences and condos only

* Cash On Hand OK

* No credit score borrowers with non-traditional credit history are acceptable

* Credit scores as low as 620 for the primary applicant is acceptable

* Installment loan can be used for up to 2% of your down payment

* 100% gift for closing costs allowed - a gift from a relative, domestic partner, fiance or a grant from a non-profit organization or agency is OK

* Seller can pay up to 6% of the purchase price towards your closing costs

* No Homebuyer education requirements - no class!  (one unit homes only)

* Nonpermanent resident aliens with consecutive two years residence, employment & credit history (non-traditional credit sources acceptable)

* Loan program is open to all without any income restriction SO LONG AS residence is located within certain geographically targeted census tracts - call or email me for details