LOAN PROGRAMS + LIFETIME SERVICING
ALL UNDER ONE ROOF
Direct Lending and In-House Servicing for Every Stage of Homeownership
Conventional Programs
Fannie Mae HomeReady
3% down
- For first-time buyers
- Flexible income sources allowed
- Reduced mortgage insurance
- PMI removed at 20% equity
- Max DTI: 50%
Standard Fannie Mae
5% down
- Primary residences, 620+ FICO
- PMI removed at 20% equity
- Max DTI: 45%–50%
Freddie Mac
(Home Possible / Standard)
- 3%–5% down options
- Great for first-time and moderate- income buyers
- PMI removed at 20% equity
- Max DTI: 50%
Government Programs
FHA – 3.5% down
- Flexible credit (580+ FICO)
- Max DTI: up to 55%–57% with factors
VA Loan – 0% down
- For Veterans, Active-Duty, and eligible spouses
- No PMI
- Flexible credit, generous DTI (≈50%+)
Non-QM Programs
DSCR (Investor)
- Approval based on rental income/cash flow
- No traditional DTI – DSCR ratio (1.0+)
Bank Statement Program
- 12–24 months of bank statements
- Great for self-employed borrowers
- Max DTI: ~50%
P&L Program
- CPA-prepared P&L used for income
- Max DTI: ~50%
No Employment / No Income Verification
- Approval based on assets/deposits
- Larger down payment (20%–30%)
Foreign National Program
- For non-U.S. citizens
- 25%–30% down
- Assets/reserves based approvals
Direct Lender = Faster Approvals + More Control
Why In-House Servicing Matters
Stay with Us from Start to Finish
Your loan is never sold – you always know who to call, where to pay, and who has your best interests in mind.
Convenience You Can Count On
- Local support, not call centers
- In-person payment options
- One relationship from application through repayment
Future Savings Made Easy
- Refinance at minimal fees when rates drop
- Cash-out refinancing for renovations or goals
- Tailored options across FHA, Fannie Mae, Freddie Mac, VA, and Non-QM
The Home Financing Center Difference
- In-house servicing for every loan
- Direct lender: faster decisions, more control
- Lifetime relationship, not just at closing
Equal Housing Lender | Home Financing Center, Inc. NMLS #378507 | Licensed in Florida