• 30-, 25-, 20-, 15- and 10-year terms are all available with fixed rate.

• Buy a home with as little as 5% down (primary home).

• Refinance up to 95% of your primary home's value.

• Monthly payments remain the same for the entire loan term.

• 3/1, 5/1, and 7/1 ARM's. Monthly payments based on a 30 year repayment schedule.

• The rate stays fixed for the first 3, 5, or 7 years (depending on chosen term), and then adjusting annually thereafter.

• 3.50% minimum down payment required on purchase.

• Minimum credit score usually 620.

• Post-bankruptcy qualifying - 2 years after.

• Post-foreclosure qualifying - 3 years after.

• Competitive interest rates that are routinely lower than conventional rates.

• Sellers can pay up to 6 percent of closing costs and concessions.

• Higher allowable debt-to-income ratios than for many other loans.

• Down payment as low as 0%.