Eduardo Ramirez

fha streamline - Non Credit Qualifying*** loan program

  • No minimum FICO required if no late payments in past 12 months
  • No appraisal required
  • No Income documentation required
  • Must have a current FHA loan to be eligible
  • Reduced documentation compared to standard FHA loans
  • Mortgage history:

           1 x 30 days late past 12 months

           0 x 30 days late past 6 months since case # assigned.

  • ​Credit qualifying loan program available, ask Loan Officer to check Lender's website for details.
  • Manufactured housing program types may be eligible ****
  • 100% Financing
  • 500 Minimum FICO
  • 100% Maximum LTV*
  • 10, 15, 20, 25, and 30-year fixed
  • ​Gift allowed**

questions? 651-212-5001

PFN loan programs

va purchase loan program

  • No restrictions on gift funds
  • Ginnie Mae Direct Seller Servicer
  • Min 500 Fair-Isaac-Company (FICO)
  • Up to 90% LTV
  • Programs: 10, 15, 20, 25, and 30-year fixed

usda purchase loan program

FHa purchase loan Program

Excludes VA Funding Fee.  ** Gift funds may not be used for reserve.  ***  FHA Streamline refinance non credit qualifying program requires a tri-merge credit report reflecting only the FICO score and a 12-month mortgage history.  Closing cost may not be finance into a non-credit qualifying refinance.         Verbal verification of income source is required.  **** Check with Loan Officer for approved property types.

  • Minimum 550 FICO
  • No down payment requirement for qualified borrowers
  • No cash reserves requirements
  • Seller can pay closing cost (some restrictions apply.  Contact Eduardo for details.