FNMA / FHLMC 10-30 year amortization If LTV > 80% must comply with more restrictive MI overlays FNMA My Community FNMA 97% Flex Fixed and ARM's available VA Min 620 FICO http://www.benefits.va.gov/WARMS/Site_Map.asp Do not have to pay off collections No maximum DTI Texas VLB Housing Assistance Program Use with Conventional, FHA and VA No minimum FICO on VA or FHA No overlays on FHA or VA http://www.glo.texas.gov/vlb/index/html FHA Minimum FICO of 640 http://www.fhaoutreach.gov/FHAHandbook/prod/index.asp Do not have to pay off collections No maximum DTI $100 down HUD REO Program available   Copyright © 2006 Classic Home Financial, Inc.