1. Is your middle credit score 600 or over?
2. Does your credit history show at least one trade line that was open for 24 months and two others that were open for six months?
3. If you have had any collections and/or charge-offs in the last 24 months, do they total less than $5000?

If you answered "yes" to all three questions then read on...

We don't care if you have any currently open accounts on your credit report as long as you meet the minimum credit history requirement per #2 above.

All collections and charge-offs that are over 24 months old will be ignored regardless of amount. Collections and charge-offs that have occurred in the last 24 months totaling less than $5000 will be ignored. Anything over $5000 will need to be paid.

This is a full documentation loan. You must qualify on the basis of your income. We allow you to use up to 50% of your gross monthly income for your housing payment and all of your monthly debt service per your credit report.

Single Family Homes, Town Homes, and Low Rise Condos (4 floors and less) are acceptable property types.

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