Programs
FHA Standard

FHA Standard

Min. FICO 580
Up to 97.75% CLTV

Program Overview:

Backed by the FHA, providing a path for borrowers with limited savings or credit challenges.

Broker Advantage:

  • Credit Forgiveness: Forgiving standards for lower scores or past dings.
  • Multi-Generational: Non-occupant co-borrowers allowed.
  • Gift Your Way Home: Use 100% gift funds for entire down payment.

Highlights:

  • FICO: Minimum 580 for max financing.
  • LTV (Purchase): Industry-standard 96.5%.
  • Ratios: Often exceeds 55% DTI with compensating factors.
  • Gift Funds: 100% gift funds allowed.

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DSCR FAQ

What is the minimum down payment?

3.5% down.

What credit score is required?

Minimum 580.

Are gift funds allowed?

Yes.

Is mortgage insurance required?

Yes.

Who is FHA best for?

First-time and low down payment buyers.

Exlpore more FHA Standard Loan Programs

VA IRRRL

Min. FICO 580
Up to 110% CLTV
  • LTV: No LTV limit; based on existing VA balance plus costs.
  • FICO: Focus on Net Tangible Benefit rather than a specific score.
  • Ratios: No DTI calculation required.

VA Standard

Min. FICO 580
Up to 100% CLTV
  • Zero Down: 100% financing for purchases.
  • Monthly Savings: Save hundreds with No Monthly PMI.
  • True 100% Financing: No down payment and no loan limits for Veterans with full entitlement.

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Weekdays 8 am to 9 pm EST
1(833) 553-0505
21800 Burbank Blvd Suite
#100, Woodland Hills, CA 91367
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Legions Capital, Inc. is an Equal Housing Lender. NMLS ID #1553947. 21800 Burbank Boulevard, Suite 100, Woodland Hills, CA 91367. 818-818-483-4542. State Licensing: Legions Capital, Inc. is licensed by: AZ #BK-2008712 “Arizona Mortgage Banker License”; CA #60DBO-64540 “Licensed by the Department of Financial Protection and Innovation under the California Financing Law”; CO “Mortgage Company Registration”; CT #ML-1553947 “Mortgage Lender License”; FL #MLD2349 "Mortgage Lender Servicer License"; GA #1553947 “Mortgage Lender License/Registration”; MI #FL0026913 “1st Mortgage Broker/Lender Registrar”; OR #1553947 “Mortgage Lending License”; PA #116958 "Mortgage Lender License"; SC-BFI #MLS-1553947 “Mortgage Lender/Servicer License”; TN #1553947 ”Mortgage License”; TX-SML “Mortgage Banker Registration”; WA #CL-1553947 “Washington Consumer Loan Company License”; WI #1553947BR “Mortgage Banker License”. Verify our licenses at: www.nmlsconsumeraccess.org. Texas Consumers: Click here to view the Texas Consumer Complaint & Recovery Fund Notice. Availability: Loan approval and rates are dependent upon applicant’s credit, collateral, financial history, and program availability at time of origination. Programs and rates are subject to change without notice and may or may not be available at the time of loan commitment or lock-in.
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