*See product matrices for all details | Products subject to change without notice | Contact me for details. Affordable FHA Loans Minimum 600 FICO Up to 85% Cash-out Odd year terms available Flexible credit and underwriting guidelines Fixed + Adjustable rate Gift funds permissible for 100% of required investment & closing costs Gift donor bank statements not required Streamlines: Mortgage only credit report OK, No appraisal required, No Income verification