FHA High Balance

Min. FICO 620 Up to 97.75% CLTV

Real estate values vary in different parts of the country. In some areas, homes are more expensive and as a result, the Federal Housing Finance Agency (FHFA) adjusts its loan limits for these “high cost” areas.

If you are planning to buy a home in a high-cost area, an FHA High Balance loan may be the best solution for you. At A&D Mortgage, the best mortgage lender, we have experience in these kinds of FHA transactions. We’ll guide you through the entire loan process.

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Features

Loan amounts up to $1,149,285

DTI up to 55%

Primary residence, second home

Fast turnaround times

Disclosure

24 hours

Underwriting

24 hours

Conditions

24 hours

Closing

24 hours

Calculate your scenario

Get detailed information about the potential loan.

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#Yes to self-employed

12/24 Month Bank Statement

Min. FICO 599 Up to 90% CLTV

Personal, business, or combined bank statements
As little as 3 months of reserves
Concierge Service for income calculation
Min FICO: 599

Fannie Mae HomeReady

Min. FICO 620 Up to 97% CLTV

Loan amounts up to $766,550
DTI up to 50%
Primary residence
First-time or repeat home buyers