Home Purchase Strategies-Match product, program and timeline

Fannie Mae & Freddie Mac backed loans. The default for strong credit profiles buying a primary, second home, or investment property.

• 3–5% down with first-time buyer programs
• No mortgage insurance at 20% down
• Loan amounts up to $766,550 (2026 limit)
• Best long-term cost for borrowers 740+ FICO

Strong Credit, Standard Path

Government-backed flexibility. Lower barriers, real opportunity. Often the right call for first-time buyers and borrowers below 700 FICO.

• 3.5% down with 580+ credit score
• Gift funds OK for entire down payment
• Higher DTI ratios allowed than conventional
• Refinance to conventional later to remove MI

 First-Time Buyers · Rebuilding Credit 

One of the most powerful loan products on earth, and one of the most underused. Zero down, no PMI, lender-competitive rates.

• 0% down payment on eligible properties
• No private mortgage insurance
• Use your benefit more than once
• Funding fee can be waived for disabled veterans

 Veterans & Active Duty 

Built for borrowers whose tax returns understate their real income. Qualify on deposits, P&Ls, assets, or property cash flow.

• 12 or 24 months of bank statements
• P&L only options for established businesses
• Asset depletion (retirement or liquid)
• 1099-only qualifying for contractors

 Higher Loan Amounts 

Loans above conforming limits ($766,550+).

• Up to $3M+ with strong qualifications
• Pricing often competitive with conforming
• Asset depletion qualifying available
• Interest-only options for cash-flow buyers

 Self-Employed · Business Owners 

Qualify on the property's cash flow, not your personal income. The dominant tool for scaling a rental portfolio.

• No tax returns, no W-2s, no DTI
• Close in an LLC, no PG required on some
• 20–25% down depending on DSCR ratio
• Short-term rental income counts (1007 / 1025)

 Real Estate Investors