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HOME Ready®
Loans
HomeReady® is a Fannie Mae mortgage program designed for credit-worthy low-income borrowers. For those unable to come up with the standard 20% down, this loan is a great option. The HomeReady® program is very similar to the HomePossible® program, with just some slight differences.
One of the main differences between the two programs is that Home Ready® typically requires slightly lower credit scores than HomePossible® to qualify. Please contact a loan officer in order to get additional details about program differences and how you can qualify.
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PROPERTY TYPES:
- 1-unit primary residences including eligible condos, co-ops, PUDs, and manufactured housing
- 2- to 4-unit primary residences (no condos, co-ops, or manufactured housing)
RESIDENCY TYPES:
- Primary Only
- Non-occupying borrowers are permitted
LOAN TYPES:
- First-Time Homebuyer
- Purchase
- Limited Cash-Out Refinance