Home At Last™ Daily Rates

Assistance Options	Loan Rates	Loan Types	Purchase & Refinance FICO Minimum; Debt-to-Income Ratio (DTI) Maximum
0%	2.750%	FHA, VA, USDA	FHA, VA & USDA: 640 FICO; 45% DTI FHA Purchases Only: 680 FICO; 50% DTI Manufactured Homes: 680 FICO; 45% DTI
2%	3.125%	FHA, VA, USDA
3%	3.625%	FHA, VA, USDA
4%	4.125%	FHA, VA, USDA
5%	4.375%	FHA, VA, USDA

Assistance Options	Freddie Mac Rates Income Limit: ≤ 80% AMI View AMI Lookup Tool	Fannie Mae Rates Income Limit: ≤ 80% AMI View AMI Lookup Tool	Fannie Mae Rates > 80% AMI Income Limit: $135,000	Purchase & Refinance FICO Minimum; Debt-to-Income Ratio (DTI) Maximum
0%	3.125%	3.125%	3.875%	Conventional: 640 FICO; 45% DTI 680 FICO; 50% DTI Manufactured Homes: 680 FICO; 45% DTI Not permitted on Freddie Mac loans
1%	3.250%	3.250%	4.000%
2%	3.500%	3.500%	4.125%
3%	3.875%	3.875%	4.500%
4%	4.125%	4.125%	4.625%
5%	4.375%	4.375%	N/A

INCOME LIMITS

FHA & VA: $116,000
USDA: Per USDA guidelines View USDA Income Limits by County
Conventional – Borrower income at or below 80% of AMI: View AMI Lookup Tool by County
Conventional – $135,000 for borrower(s) with income over 80% of AMI
AMI is the Area Median Income established by Fannie Mae and Freddie Mac

PURCHASE PRICE LIMITS

LOAN LIMITS

The Home At Last™ program does not establish a maximum or minimum loan amount.
Lenders must comply with agency limits per the specific loan guidelines for FHA, VA, USDA Guaranteed, and Conventional loans.
- FHA loans: View FHA Loan Limits by County
- VA loans: $548,250
- USDA Guaranteed loans: No limit
- Conventional loans: $548,250

PLEASE NOTE:

Assistance is a percentage of the loan amount and the rate on the 30-year mortgage depends on the amount of assistance.
Options with assistance will have a 3-year forgivable second mortgage with no interest and no payments.
FHA loans with FICO below 660 require borrower(s) have 1+ month of reserves and 6+ months employment history on current job(s).
Home At Last™ may be used for the purchase or refinance of a primary residence (FHA streamline refinances are not permitted).
FHA loans and manufactured home loans may not be manually underwritten.