USDA, FHA, and VA are government loan programs that offer the borrower lending solutions with little or no money down.
|100% loan-to-value||Up to 6% seller contribution allowed|
|No down payment required||30-year fixed rate|
|No cash reserves required||Purchase only|
|One-unit primary residence||Home must be located in HUD rural area|
|Maximum county income limits apply||InFirst Bank is not acting on behalf of, or at the direction of the VA, FHA, USDA or Federal Government|
|Minimum FICO = 640 (may consider lower FICO with compensating factors)|
|15 or 30 year term, fixed||No reserves for 1 to 4 unit properties|
|96.50% loan-to-value allowed for purchase transactions||100% gift from family member allowed for down payment|
|Single-family, 2-4 units PUD condos & manufactured homes||Owner-occupied primary residence|
|97.75% for rate & term refinance||85% loan-to-value for cash-out|
|Minimum FICO = 620||InFirst Bank is not acting on behalf of, or at the direction of the VA, FHA, USDA or Federal Government|
Contact a customer service representative today to see if one of these programs is right for you!