3% down- conv- homeone program
- Minimum down payment: 3%
- No income restrictions
- At least one borrower must be a first-time homebuyer
- Eligible for single-family homes, including townhouses and condos
- Seller concessions may be allowed when eligible (max 3% of selling price)
- Gift funds may be permitted when eligible
Need a scenario reviewed? Please send:
• Property address (if N/A) - Property type and zip code.
• IDs (Driver's License, Social Security card, Legal Document (if Resident front and back of the Residence)
• 2025 Income taxes (signed and dated)
• Last 2 months' bank statements
• Last 2 months' pay stubs (if employee)
• Credit Authorization signed.
• 2 years' employment history.
• 2 years' rental history.
3.5% down - conv - EPP/ ITIN program
- Program for borrowers who have income, housing history, and funds to close, but may not fit traditional agency or FHA guidelines.
- Can be an employee or self-employed.
- FHA max loan amount. Single-family home max price in Miami-Dade: $690,000
- Minimum Down Payment: 3.5%
- Primary-residence purchase only
- 12-month VOR / housing history required
- W-2, 1099, self-employed, and bank-statement income may be reviewed
- Minimum score 580.
- No FICO score or a score below 580 may be reviewed with compensating factors
- Seller concessions may be allowed when eligible (max 6% of selling price)
- Gift funds may be permitted when eligible
Need a scenario reviewed? Please send:
• Property address (if N/A) - Property type and zip code.
• IDs (Driver's License, Social Security card, Legal Document (if Resident front and back of the Residence).
• Visa type: must be current
• Borrower income type
• Last 12 months' rental history
• Bank Statement(s) with funds available for down payment and closing costs
• Credit Authorization signed.
3.5% down- fha 3 months bank statements
- Contract sales price up to $690,000 in Miami- Dade
- Minimum Down Payment: 3.5%
- 640 minimum qualifying FICO / mid score, with 3 credit scores required
- Primary-residence purchase only ( 1–4 unit residential properties may be eligible)
- Manufactured homes built after 1976 may be ok
- Business must be active for 2 calendar years. (since January 2024)
- Borrower must have a formal company, LLC, DBA, business license or other proof of business (only zelle payments may be difficult to support)
- At least 25% ownership in the business
- Business address may be from residence.
- 6% seller concessions allowed.
Need a scenario reviewed? Please send:
• Property address (if N/A) - Property type and zip code.
• IDs (Driver's License, Social Security card, Proof of Citizenship)
• Borrower income type
• Last 12 months' rental history
• 3 Bank Statement(s) to calculate income with funds available for down payment and closing costs
• Credit Authorization signed.
* Business type, Ownership percentage, Years self-employed
3.5% down- fha profit and loss program
- Contract sales price up to $690,000 in Miami- Dade
- Minimum Down Payment: 3.5%
- 640 minimum qualifying FICO / mid score, with 3 credit scores required
- Charge-offs and collections may be OK
- Primary-residence purchase only ( 1–4 unit residential properties may be eligible)
- Manufactured homes built after 1976 may be ok
- Business must be active for 2 calendar years. (since January 2024)
- Borrower must have a formal company, LLC, DBA, business license or other proof of business (only zelle payments may be difficult to support)
- At least 25% ownership in the business
- Business address may be from residence.
- Need 2024 and 2025 full-year P&Ls, plus 2026 YTD P&L
- Current balance sheet required
- 6% seller concessions allowed.
Need a scenario reviewed? Please send:
• Property address (if N/A) - Property type and zip code.
• IDs (Driver's License, Social Security card, Proof of Citizenship)
• Borrower income type
• Last 12 months' rental history
• Bank Statement(s) with funds available for down payment and closing costs
• Credit Authorization signed.
* Business type, Ownership percentage, Years self-employed
3.5% down- fha voe program
- Contract sales price up to $690,000 in Miami-Dade.
- Minimum down payment: 3.5%
- Primary-residence purchase only
- 580 minimum FICO with DU approval required
- Borrower must have 2+ years on the job / stable employment history
- VOE is ordered through a third party using the FNMA 1005 form
- Most recent pay stub is used with the VOE income review
- Gift funds may be permitted when eligible
Need a scenario reviewed? Please send:
• Property address (if N/A) - Property type and zip code.
• IDs (Driver's License, Social Security card, Proof of Citizenship)
• Borrower income type
• Last 12 months' rental history
• Bank Statement(s) with funds available for down payment and closing costs
* Last 2 months of pay stubs
• Credit Authorization signed
* Current employer, Years on the job, Approximate income
3.5% down - last 3 bank statements
- Can use Personal or Business Bank Statements, or both
- Loan amounts up to $3.5 million
- Minimum Down Payment: 10%
- Minimum credit score: 680
- Primary-residence purchase only
- Refinance OK
- Must be self-employed for 2+ years
- No Mortgage insurance.
Need a scenario reviewed? Please send:
• Property address (if N/A) - Property type and zip code.
• IDs (Driver's License, Social Security card, Proof of Citizenship)
• Borrower income type
• 12 Bank Statement(s) with deposits available for calculating income
• Credit Authorization signed.
* Business type, Ownership percentage, Years self-employed
10% down - last 12-24 bank statements
- Can use Personal or Business Bank Statements, or both
- Loan amounts up to $3.5 million
- Minimum Down Payment: 10%
- Minimum credit score: 680
- Primary-residence purchase only
- Refinance OK
- Must be self-employed for 2+ years
- No Mortgage insurance.
Need a scenario reviewed? Please send:
• Property address (if N/A) - Property type and zip code.
• IDs (Driver's License, Social Security card, Proof of Citizenship)
• Borrower income type
• 12 Bank Statement(s) with deposits available for calculating income
• Credit Authorization signed.
* Business type, Ownership percentage, Years self-employed