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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.com. Lender and real estate partners should check out TrioResidential.com to learn more.