HomeReady® is ideal for you if you:

• Have low to moderate income

• Are first-time or repeat homebuyers

• Have limited cash for down payment

• Have a credit score ≥ 620; borrowers with credit scores ≥ 680 may get even better pricing

• Have supplemental boarder or rental income

• Are looking to purchase or refinance

Disclaimers: This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. Credit and collateral are subject to approval. Equal Housing Lender

SOME OF THE BENEFITS OF THE HOMEREADY® PROGRAM IS

• Cancellable Mortgage Insurance

• Flexible Funding

• 3% Required down payment (versus FHA 3.5%)

• Immediate appraisal orders from lenders

• Free from geographic restrictions on loan amounts