1. Conventional
• 620 minimum FICO
• 3% down options available
• 95% LTV Allowed
• $417,000 maximum loan amount
• Purchase after 4 years of Chapter 7 bankruptcy
• Lender-paid MI
• Purchase-money second liens allowed
USDA
• 620 minimum FICO with 0% down
• Up to 47% DTI with GUS approval
• Roll in closing costs up to 102.75% of sales price or
appraised value (whichever is higher)
FHA
• 560+ FICO with 10% down
• 580+ FICO with 3.5% down
• 203(k) rehab
• FHA Streamline Refinance (including 97.75% LTV)
• Back-to-Work
• Purchase after 2 years of chapter 7 bankruptcy
• Up to 57% DTI with DU/LP approval
VA
• 560 minimum FICO with 0% down
• Interest rate reduction refinance loan
• Purchase after 2 years of bankruptcy or foreclosure
• High balance (up to $2M)
• Up to 59% DTI with DU/LP approval
Niche Products
• Non-warrantable condos
• Manufactured homes
• Mobile homes
• Fannie Mae HomeReadyTM
program
• Fannie Mae HomeStyle® renovation mortgage
• Freddie Mac Home Possible® program
• 24-month bank statement program
• One Time Close construction loans
• Loan minimum $50,000
• Jumbo up to $3M
• Jumbo lender-paid MI
• Assets-for-income program
• Foreign nationals
• Nonpermanent resident aliens
• Recent housing event program (1+ day out of foreclo-
sure)
• No 30% equity rule to use rental income
• Alimony and child support income permitted
• Business funds for down payment and/or reserve re-
quirement
• Up to 10 financed properties
• Recently listed properties
• Non-occupant co-borrowers on purchases
• Down payment assistance programs
Not all properties will qualify for the loan programs listed. Not all applicants will qualify. Not all programs available in all areas. Please meet with the loan
originator listed for an accurate quote. This is not a commitment to make a loan. You are free to use any mortgage lender of choice. Loans are subject to
borrower qualifications, including income, property evaluation, sufficient equity in the home to meet LTV requirements, and final credit approval. Approvals are
subject to underwriting guidelines, interest rates, and program guidelines, and are subject to change without notice based on applicant’s eligibility and market
conditions. Licensed by the Ohio Department of Commerce, Division of Financial Institutions, Ohio Mortgage Broker Act Banker Exemption #MBMB.850188.000.
Expiration Date 12/31/2016. Nations Reliable Lending, LLC is an Equal Housing Lender. Company NMLS #181407. www.nrlmortgage.com. For a full list of our
licenses, please visit: www.nmlsconsumeraccess.org
Nations Reliable Lending, LLC is a full service mortgage lender. We offer a full loan product menu including jumbo,
conforming and government loan products. We currently have a broad range of investors that offer program
flexibility to meet the demands of our buyers. We can close a loan in as little as 7-14 days. Our underwriter turn
times are 24-48 hours, with a 24 hour turn on clear to close.
Jeff Powers | Loan Originator | NMLS# 1084575
Nations Reliable Lending, LLC | NRL NMLS# 181407
1136 Saint Gregory St. #110 | Cincinnati, Ohio 45202
Phone: (513) 592-3849 | Mobile: (513) 607-0377
Email: jeff.powers@nrlmortgage.com