Flexible documentation mortgages
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A home loan without documentation hurdles
for Flexible Documentation
Accountant-Prepared Profit & Loss
100% gift funds accepted for down payments and closing costs, including on investment property loans
Up to $726,200*
Up To $3,000,000**
Minimum FICO Score Required
Minimum Down Payment Required
As low as 3%
Information in this chart is applicable to the purchase of a primary residence only and subject to additional requirements.
*The Federal Housing Agency based on single unit as of January 1, 2023.
**A loan up to $3,000,000 requires minimum 30% down payment and minimum FICO score of 740.
***20% Down payment required minimum 660 credit score and has a maximum $1.5 million loan amount.
Mission driven & federally certified
All lending products are subject to approval. Rates, program terms & conditions are subject to change without notice. Not all products are available in all states or for all amounts. This does not represent an offer to enter into a loan agreement. Other requirements, restrictions & limitations apply. Information is accurate as of September 27, 2022.