Dream Maker No Money Down Mortgage Program

Mortgage and Lending

Dream Maker Mortgage Product

The Dream Maker Mortgage Product has no property restrictions and has a minimum credit score requirement of 620 except if you have no credit where you will be allowed to use alternative credit.

  • 100% Financing with a 620 Min Credit Score
  •  No property restrictions
  •  Income Limits are 125% of HUD Median
    •  Example: Charlotte-Gastonia-Concord
      • $  75,250.00 Max Household Income
      •  waived if property is located in a Fannie Mae Neighbors Program  -  see Fannie Mae property GeoCoder     http://www.eFannieMae.com 
  •  Mortgage Insurance can be financed on top of mortgage!
  •  Up to 25% undocumented income allowed
  • Documented Income Max DR is 53%: Combined DR Max is 40%
  • Non FHA Appraisal is acceptable
  •  If No credit score may use nontraditional credit

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