100% (plus 2% financed guaranty fee)
Credit Score
As Income Limits Allow
29/41 or as GUS allows
30 year
Must be in eligible area and income limits apply. Bankruptcy 3yrs, foreclosure 3 years
100% (plus 2% financed guaranty fee)
Credit Score
As Income Limits Allow
29/41 or as GUS allows
30 year
Must be USDA to USDA. Reduce rate 1%, timely payments
100%
Credit Score
Follow Conforming Loan Limits
41% or as AUS allows. Also watch residual.
15
Years
20
Years
25
Years
30
Years
Check program guidelines for appraisal requirements. BK; CH 7 2years, FH 13 active. Foreclosure 2yrs.
100%
N/A
Follow Conforming Loan Limits
41% or as AUS allows. Also watch residual.
15
Years
20
Years
25
Years
30
Years
Check program guidelines for appraisal requirements. BK; CH 7 2years, FH 13 active. Foreclosure 2yrs.
100%
Credit Score
Follow Conforming Loan Limits
41% or as AUS allows. Also watch residual.
15
Years
20
Years
25
Years
30
Years
Check program guidelines for appraisal requirements. BK; CH 7 2yrs, FH 13 active. Foreclosure 2yrs.
100%
N/A
Follow Conforming Loan Limits
41% or as AUS allows. Also watch residual.
15
Years
20
Years
25
Years
30
Years
Check program guidelines for appraisal requirements. BK; CH 7 2yrs, FH 13 active. Foreclosure 2yrs.
96.5%
Credit Score
Follow County Limits
29/41 or as AUS allows. Higher DTI will require Comp Factors.
10
Years
15
Years
20
Years
25
Years
30
Years
Check program guidelines for appraisal requirements. Bk > 2ys. Foreclosure > 3yrs.
96.5%
Credit Score
Follow County Limits
29/41 or as AUS allows. Higher DTI will require Comp Factors.
10
Years
15
Years
20
Years
25
Years
30
Years
Check program guidelines for appraisal requirements. Bk > 2ys. Foreclosure > 3yrs.
N/A
Credit Score
Follow County Limits
29/41 or as AUS allows. Higher DTI will require Comp Factors.
10
Years
15
Years
20
Years
25
Years
30
Years
Check program guidelines for appraisal requirements. Bk > 2ys. Foreclosure > 3yrs.
80% Max based on loan amount
680 minimum credit score depending on loan amount
3M Max depending on LTV, credit score, and max # of units.
43%
30 Year
Fixed
6 months min. Reserves required. 2 appraisals may be required. Primary or 2nd homes. No BK, foreclosure, pre-foreclosure, short sale or modification in last 7yrs. Refer to OB for program guides.
80% Max based on loan amount
680 minimum credit score depending on loan amount
3M Max depending on LTV, credit score, and max # of units.
43%
30 Year
Fixed
6 months min. Reserves required. 2 appraisals may be required. Primary or 2nd homes. No BK, foreclosure, pre-foreclosure, short sale or modification in last 7yrs. Refer to OB for program guides.
95%
Credit Score
417,000 or Per County Limits
Per AUS findings
10
Years
15
Years
20
Years
25
Years
30
Years
Follow AUS findings. No Expanded Level approvals or referred decisions allowed. Also, refer to specific guidelines.
80%
Credit Score
417,000 or Per County Limits
Per AUS findings
10
Years
15
Years
20
Years
25
Years
30
Years
Follow AUS findings. No Expanded Level approvals or referred decisions allowed. Also, refer to specific guidelines.
N/A
Credit Score
417,000 or per county limits.
Per AUS findings
10
Years
15
Years
20
Years
25
Years
30
Years
Follow AUS findings. No Expanded Level approvals or referred decisions allowed. ALso, refer to specific guidelines.
"Just wanted to let you know it was a pleasure working with you on my refinance. You worked out all the figures and were upfront about everything. You also kept in touch with us throughout the whole procedure. I would highly recommend you to anyone that needs to buy a house or do a refinance. Again you were the BEST."
− Baltimore, MD refinance customer says Jason was always up front!
"Thank you for your assistance with this file. You really helped them during a stressful time. On to the next file — hopefully more will come our way this summer. Thanks again!"
− Melbourne, FL real estate agent says Ruth helped during a stressful time!
"You should win an award for most patience…Thanks for all your help with my parents and their VA home refinance loan! They’re happy:)"
− Cadillac, MI refinance customer says Marty deserves an award!
"GSF does an excellent job. Their staff is friendly, dedicated and very professional. They go out of their way to make your purchase mortgage happen. I highly recommend their services!"
− Chicago, IL purchase customer says GSF goes out of their way!~ (BBB)
When most people tell a story, they often date it by the home they were living in at the time. A home is a lot more than a structure held together by wood and nails. It is a part of the world stage that holds your stories, your memories and your milestones. We get it. In fact, we’ve been helping to create these stories and helping people buy homes, for nearly 20 years.
Choosing a home loan shouldn’t be stressful, or overwhelming. That’s why GSF is dedicated to helping you successfully navigate the mortgage process. With our comprehensive list of home loan options and our well trained experienced staff, you can be sure you are in good hands.
So, whether you are searching for your first home, or your third, GSF Mortgage is here to help select the best mortgage, for you. We call it: “Lending In Your Favor.”
GSF Mortgage Corp NMLS# 1018