• 30-year fixed-rate mortgage
• 1-year adjustable-rate mortgage
• Optional temporary 2/1 buydown
• Energy Efficient Mortgages (EEM)

Purchase and refinance of owner-occupied, primary residence

• Attached and detached single family residences
• Condos – The condominium project must be on HUD’s approved condominium list.
• 2-4 unit properties
• REO properties

Eligible borrowers

•  U.S. citizens Permanent and non-permanent resident aliens Inter vivos
• Revocable trusts
• Non-occupant co-borrowers 
• Non-profits