| |
 |
| |
|
Typical
Bank |
|
Typical
Broker |
|
 |
|
| Zero/100% Financing |
|
NO |
|
Yes,
High Rates |
|
 |
Self-Employed/
Hard To Verify Income |
|
NO |
|
Maybe,
20% Down |
|
 |
| Investor Properties |
|
Maybe |
|
Yes,
25% Down |
|
 |
| First Time Home Buyer |
|
No |
|
Maybe |
|
|
Special Programs
for Teachers
& Municipalities |
|
No |
|
No |
|
 |
| Selection of Programs |
|
2 to 4 |
|
10 to 23 |
|
 |
| Local Underwriting |
|
Yes |
|
No |
|
|
| Less Than Perfect Credit |
|
No Way |
|
Sometimes |
|
|
 |
| |
|
|
|
|
|
