Update browser for full AD Mortgage experience

It looks like you may be using an outdated browser version that we don't support. Make sure you're using the most recent version of Microsoft Edge.

Close This Window

By closing this window you acknowledge that your experience on this website may be degraded


HomeReady, a program by Fannie Mae, is designed to serve credit-worthy low-income buyers looking to finance a home loan. You may be able to buy a home with little or no money out of your pocket by using gifts from friends or family toward your down payment.

Program highlights:

  • Down payments as low as 3%
  • FICO from 620
  • Low income
  • First-time or repeat homebuyers
  • Homeowner education helps you understand and manage the long-term financial commitments of home ownership

We will call you back if you have any questions.

  • We will contact you if you have any questions

Other Programs

block view
row view


- Loan amount up to $548,250
- You may use a conventional loan to finance a property in a high-cost area
- 15, 20, 25 & 30 years fixed rate
- Down payments as low as 3% depending on your loan amount

Home Possible

- Fixed-rate financing for easier budgeting
- Homebuyer education is required for first-time buyers

Prime Jumbo

- Min. FICO 660
- Up to 89.99% LTV
- 15 & 30 Year Fixed up to $3mm
- Cash out up to 89.99% LTV
- Manual UW for over $2mm
- DU Approve/Ineligible
- No Mortgage Insurance required
- Primary, Second Home and Investment properties are allowed
- Purchase, Rate/Term Refinance and Cash Out Refinance
- Delayed financing is available up to 180 days
- No Overlays on Reserves, Credit and Tradelines – per DU
- Income as per DU

Full Doc Non-QM

- FICO 580
- 90% LTV
- Loan Amount up to $4mm​
- Max Cash in hand $1,000,000, no limit for LTV < 55%
- Cash out up to 80% LTV​
- Traditional Income​
- 2Y Credit Event allowed​
- Super Prime & Prime Programs​
- Condo up to 90% LTV​
- Condotels allowed