Conventional

Conventional 1% Down Payment

Give your borrowers a low down payment, a great rate and a head start on their equity. United Wholesale Mortgage is the first wholesale lender in the industry to offer 1% down on conventional loans with a 2% equity boost!

Program highlights include:

• Clients pay 1%, Lender gifts 2%, giving borrowers 3% equity at closing
• 700+ FICO, 43% max DTI
• Great low rates
• Close in 30 days or less
• Available with no monthly Mortgage Insurance

HomeReady

A great alternative to FHA financing for borrowers looking to purchase with a low down payment or refinance with limited equity.

• Up to 95% LTV
• First time homebuyers, move-up borrowers, and retirees
• No income limits for Underserved Areas
• No reserve requirements for 1-unit properties
• Gift funds eligible for entire down payment

Home Possible Advantage

A great alternative to FHA financing for borrowers looking to purchase with a low down payment or refinance with limited equity.

• Up to 97% LTV
• First time homebuyers, move-up borrowers, and retirees
• Refinances up to 97% LTV, regardless of current mortgage program
• No income limits for Underserved Areas
• No reserve requirements for 1-unit properties

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