Save Money and Enjoy Homeownership!

• Preserve your savings with a low or no down payment loan.
• Reduce your monthly payments with affordable mortgage insurance options.
• Avoid mortgage insurance payments with our Flex Combination Loan.

Our Flex Loans are Perfect for Borrowers with:

• A strong credit history, but limited assets and/or access to nontraditional sources of funds (gifts, grants) for a small down payment and/or closing costs.
• Higher debt levels, but good credit.
• The need to purchase a larger home, but limited savings.

3 Flexible Options for Conforming Loans!

• Flex 97®: Ideal for home buyers with limited savings but very good credit histories. You can make a low down payment using funds from approved gifts or grants from an employer, non-profit or government agency.
• Flex 100®: No down payment required! You simply contribute a mimimal amount toward closing costs and/or prepaid items. These funds may be obtained from grants or gifts received from a relative, domestic partner or fiancé.
• Flex Combination Loan: A popular no-down-payment choice, financing your home with a first and second mortgage helps you avoid the need for mortgage insurance while enjoying potential tax savings.* Choose from either a closed-end second mortgage or a home equity line of credit for your second mortgage.

*See your tax advisor.