We have access to a wide range of loans products for clients with excellent or decent credit profiles. We offer 24-hr turn times in all stages of processing. We offer very aggressive pricing. Our low rates are right there with mortgage industry leaders’ rates.

Lender's Guidelines will apply on all programs

  • We go down to 500 FICO’s on FHA loans and VA loans.
  • 3.5% Down on FHA Loan, down to 500 FICO’s;
  • 0% Down on VA Loans, down to 500 FICO’s;
  • 1% Down Payment – 97% LTV HomeReady loans. Lender gifts 2%, w/ 720 FICO
  • 5% Dn. Payment 95% LTV Freddie Mac A – No Min. FICO w/ LP Accept/Eligible
  • FHA Streamline – No Income – No Appraisal, Mtg. only credit report, No FICO;
  • 0% dn. payment 100% USDA; Min. credit score is 581, all borrowers
  • 95% ALT A – Up to $2.5 Million, No MI, Down to 600 FICO score.
  • 85% Jumbo loans to $1 Million, One-day out of BK, with scores down to 600.
  • Bank statement loans up to $2 Million; Down to 620 FICO score;

There is no up-front cost for our services because Harvest Financial receives lender-paid compensation at settlement. We offer a wide selection of loan products, competitive rates, and client satisfaction. Complete the ”Prequalify Now” form above for Instant Access to your FICO Scores. We will help you achieve your financial goal!

We offer a variety of loan application options, including a Quick Application, a Standard Application, and a 5 Step Application. Click here to get started!

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Feel free to browse our selection of payment calculators and tools. You will find what you need to get started, and then contact us today for a free, personalized consultation.

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We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in residential lending by applying online today.

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