Southwest Funding LP

✅ $0 Down - 100% Financing 

✅ Flexible Credit Scores Accepted
✅ Gift Funds Accepted – Use gift money for your down payment
✅ Seller Paid Closing Costs Allowed
✅ Non-occupant Co-borrowers Allowed – Family members can help qualify
✅ High Debt-to-Income Ratio Allowed – More flexible approval 

 🏡 Grant Program

✅ Grant up to 5% of the first mortgage loan amount (subject to market conditions)
✅ Max purchase price: $381,308
✅ Income limit: $120,750 (qualifying income only)
✅ Minimum 620 credit score for FHA/VA
✅ Minimum 640 credit score for Conventional

✅ Second loan up to 5% of the first mortgage loan amount (subject to market conditions)
✅ Max purchase price: $492,500
✅ Income limit: $111,720 (qualifying income only)
✅ Minimum 620 credit score for FHA/VA
✅ Minimum 640 credit score for Conventional

✅ Several rate, loan, and DPA options available
✅ DPA up to 5% of the total loan amount

✅ Tax credit that reduces federal income taxes annually
✅ Available for first-time buyers (who haven't owned a home in 3 years)
✅ Can be used with TSAHC's DPA

✅ Up to 97% Loan-to-Value (LTV)
✅ Minimum 620 credit score
✅ Ideal for buyers with good credit history & savings

           (For Veterans & Active Duty) 

✅ 100% financing with a 600+ credit score
✅ Available for eligible veterans and active-duty military personnel
✅ Honorable discharge required (if no longer active duty)

 📌 USDA Loans (For Rural Areas)

✅ 100% financing for 620+ credit scores
✅ Seller can pay up to 6% of closing costs
✅ Must be in a USDA-approved area and meet income guidelines

✅ Max loan amount up to $4M
✅ Minimum 550 credit score
✅ Up to 95% LTV 

✅ No tax returns required
✅ Business active for at least 2 years
✅ Qualify using 12- & 24-month bank statements, P&L statements, or 1099s
✅ Loan amounts up to $3.5M 

 ✅ Qualify using property cash flow instead of income
✅ Loan amounts up to $2M
✅ No Debt-to-Income (DTI) restrictions
✅ Up to 85% LTV with a 620 credit score 

 ✅ 100% financing available for 720+ credit scores
✅ Student loan debt excluded from ratio calculations
✅ Max loan amount $1M 

✅ Must have valid ITIN (verified by ITIN card or IRS letter)
✅ At least one borrower must have an unexpired ITIN
✅ Borrower(s) must provide valid identification

✅ Low down payment options
✅ Fast pre-approval process