Rates are subject to change without notice based on market conditions. Rate/APR and terms may vary based on the creditworthiness of the individual. FHA with 3.5% down, 680 credit score. VA and USDA 0% down with 680 credit score. Conventional 3% down, 720 credit score. FHA down payment assistance 0% down, 680 credit score. Lower score programs are available. Non-QM loans also available.