Not need to be first time home buyers

Minimum of 5% down payment
Terms; 30, 20, 25, 15 and 10 year loans
For second home ( vacation home) 10% down payment
For Investment home ( rental ) 20% down payment
Investment property only due to Texas cash out rules
Loan amounts can go up to $647,200.00
Mortgage Insurance can be paid monthly, upfront as a one time payment or rolled into the rate and or loan amount. For a smaller monthly payment.
Minimum credit scores is 620.
Citizen, Permanent Resident or Work Visas are allowed
Full documentation using tax returns and w2’s or 1099’s
Escrows are not required, taxes and insurance can be excluded from the monthly payment
Gift Funds for a relative are allowed
Home must be livable
Debt to income ratios, up to 48%
Seller Contributions up to 3% of the loan amount.
Recently renovated home, new construction or older home is allowed. Single family residence and town home as well
Co-Signers are allowed