Minimum FICO Score Allowed - by Product Type

I want buyers and mortgage applicants to be able to search our database for important questions. This is one of them, and as requirements change, we will update this page. 

Last Updated 6/22/2017

Minimum FICO	Transaction Type
	Agency
620	DU: Primary Residence Purchase & Refinance Second Home: Purchase & Rate/Term Refinance (without LPMI) Cash Out Refinance DU High Balance ARM Only: Purchase & Refinance Investment Property: Fixed Rate: Purchase (1 Unit, 80% LTV) Purchase (2-4 Units, 75% LTV) Refinance Fixed Rate High Balance: Purchase & Refinance (without LPMI) ARM: Purchase & Refinance LP: Home Possible Purchase & Refinance Primary Residence Purchase & Refinance Second Home: Purchase & Rate/Term Refinance (LP Fixed Only: Must be without LPMI) Cash Out Refinance Investment Property: Purchase & Rate/Term Refinance (1 Unit, 80% LTV) Purchase & Rate/Term Refinance(2-4 Unit, 75% LTV) Cash Out Refinance
720	Second Home with LPMI Purchase Refinance Rate/Term Investment Property Purchase & Refinance (1 Unit, 85% LTV)
	VA
620	Approve/Eligible Purchase & Refinance QL Serviced IRRRL
640	Refer/Eligible Purchase & Refinance Jumbo Purchase & Refinance Non-QL Serviced IRRRL (120% LTV)
700	Non-QL Serviced IRRRL (100% LTV)
	FHA
580	QL Serviced Streamline FICO 580-619 Approve/Eligible Purchase & Refinance
620	Approve/Eligible Purchase & Refinance
640	Refer/Eligible Purchase & Refinance Non-QL Serviced Streamline
	Jumbo
700	Primary Residence Purchase (LTV ≤ 80%) Primary Residence Refinance
720	Second Home Purchase & Refinance
760	Primary Residence Purchase (85% LTV)
	HARP
580	DU Refi Plus: Primary Residence & Second Home (Max 80% LTV) Investment Property (Max 75% LTV)
620	LP Relief & DU Refi Plus: Refinance (Max LTV 95%) High Balance Refinance (Max LTV 95%)
640	LP Relief & DU Refi Plus: Refinance (Max 200% LTV) High Balance Refinance (Max 200% LTV)