Here are recent guidelines from one of my preferred lenders for late June 07. You will be pleased to note that 100% finance options are still available! Though you might want to know :-)
Loan amounts <$1m & requiring 2/3 documented trade lines open & active not less than 12 months:
Owner Occupied Min Fico CLTV
Full & Lite Doc 620+ 100%
NIV 620-659 95%
660+ 100%
NAV: 620-659 97%
660+ 100%
No Ratio/StdStd 620+ 95%
NINA/No Doc 620-659 80%
680+ 95%
2ndHomes Min Fico CLTV
Full Doc 620+ 95%
NINA 620+ 95%
No Rato/StdStd 620+ 95%
NINA/No Doc 620-659 80%
660-679 90%
Investment Prop Min Fico CLTV
Full Doc 620+ 95%
NIV/NAV 620+ 95%
No Ratio 620-659 85%
660+ 90%
StdStd 620-679 85%
680+ 90%
NINA/No Doc 620-699 80%
700+ 90%
1stTime Homebuyer Min Fico CLTV
Full/Lite Doc 620-659 95%
660+ 100%
NIV 620+ 90%
660+ 100%
No Ratio 620-659 90%
660+ 100%
StdStd 620-659 90%
660-679 90%
680+ 95%
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