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Loan rates shown are effective March 30, 2020.

FHA, VA, USDA 30-Year Fixed Rate Loans

Down Payment Assistance Percentage Loan Rates Loan Types FICO Requirements
0.00% 2.750% FHA, VA, USDA

Purchase:
640 – DTI ratios 45% or below
680 – FHA DTI ratios 45.01 to 50%
680-Manufactured Home with 45% DTI Max

Refinance:
640 – DTI ratios 45% or below
660 – FHA Streamline on US Bank-serviced loan
680 – FHA Streamline on Non-US Bank serviced loan

2.00% 2.750% FHA, VA, USDA
3.00% 3.125% FHA, VA, USDA
4.00% 5.000% FHA, VA, USDA
5.00% N/A FHA, VA, USDA

CONVENTIONAL 30-Year Fixed Rate Loans

Down Payment Assistance Percentage Freddie Mac
80% AMI
Loan Rates
Fannie Mae
≤80% AMI
Loan Rates
Fannie Mae
>80% AMI
Loan Rates
FICO Requirements
0.00% 3.375% 3.375% 4.000%

Purchase FICO Requirements:
640 – DTI ratios 45% or below
680 – DTI ratios 45.01 to 50%
680-Manufactured Home with 45% DTI Max*

Refinance FICO Requirements:
640 – DTI ratios 45% or below

1.00% 3.625% 3.625% 4.125%
2.00% 3.750% 3.750% 4.375%
3.00% 4.125% 4.125% 4.625%
4.00% 4.375% 4.625% 5.125%
5.00% 4.875% 4.875% N/A

*Freddie Mac does not allow financing of manufactured homes.

Program Updates

For more information about trio, rural Nevada’s new lease-to-own option, homebuyers can visit ThinkTrio.comLender and real estate partners should check out TrioResidential.com to learn more.