• FHA to FHA refinances with a Loan Modification
  • FHA loans minimum Fico score 580 to $417,000, max

DTI 55% follow FHA guidelines

  • FHA Loans 640 score or higher DTI is AUS Approval
  • FHA cash out to 85% with 580 score, follow FHA


  • FHA High Balance, 580 streamline, 600 Purchase

Rate/Term, 620 cash out

  • Collections only need to be paid if required by AUS
  •  No VOR unless required by DU
  •  Non occupant co-borrowers allowed
  •  1 Day off of market for cash out refi