Product available with FICO as low as 581

Loan-to-Value (LTV) allowed up to 100% (Zero down from borrower) for Purchase and Rate and Term Refinance; No LTV restriction for Streamline Refinance

U.S. Citizen, Permanent Resident

Eligible for Owner-Occupied properties only

Program applicable for one unit properties, Planned Unit Development (PUD)s, Condominiums, and Manufactured Housing

Adjusted household income of the household members must meet income eligibility requirements

Maximum allowed Debt-to-Income (DTI) ratio for manual underwriting is 29% / 41% (For FICO ≥ 680, DTI allowed up to 32% / 44%)

USDA loans will be run through GUS (Guaranteed Underwriting System)

Our products and services have no affiliation with or endorsement from any government agency or body.

On a USDA 30-year fixed rate purchase with loan amount $202,020 (at 100% LTV with zero down from borrower and FICO 600), at an interest rate 5.25% with $0 discount points (Annual Percentage Rate: 5.845%), you will be required to make 360 equal monthly payments of $1,115.56 (which includes principal and interest only, so your actual payment, including taxes, insurance, and other property charges, will be higher).

Christopher Kelley

NMLS 178803

Divisional/Branch Manager

D: (410) 844-4442

chris.kelley@swmc.com

christopherkelley.sunwestmortgage.com

606 Edmondson Avenue, Suite 300

Catonsville, MD 21228

Branch NMLS 1168563

For Delaware, Maryland, New Jersey and South Carolina residents only. Christopher Kelley is licensed in DE, MD, NJ and SC. All products are subject to credit and property approval. Program terms and conditions are subject to change without prior notice. Other restrictions and limitations apply. The content here does not substitute for professional legal, securities, tax or accounting advice. Sun West Mortgage Company, Inc. (NMLS ID # 3277, www.nmlsconsumeraccess.org) is licensed by the Delaware State Bank Commissioner [Phone: (302) 739-4235] to engage in Business in Delaware under license number #9970, Expiration date: 12/31/2025, holds a Chapter 22, a Licensed Lender Branch (#019431) for the Catonsville, MD Branch Office (NMLS ID 1168563) located at 606 Edmondson Avenue, Suite 300, Catonsville, MD 21228, licensed by the Delaware State Bank Commissioner [Phone: (302) 739-4235], in Maryland holds a Mortgage Lender License (#3277), a Mortgage Lender License (#1168563) for the Catonsville, MD Branch Office (NMLS ID 1168563) located at 606 Edmondson Avenue, Suite 300, Catonsville, MD 21228, licensed by the Maryland Office of Financial Regulation, Phone: (410) 230-6100, in New Jersey holds a Residential Mortgage Lender License (#9400980), a Residential Mortgage Lender Branch License for the Catonsville, MD Branch Office (NMLS ID 1168563) located at 606 Edmondson Avenue, Suite 300, Catonsville, MD 21228, licensed by the New Jersey Department of Banking and Insurance, Phone: (609) 292-7272, in South Carolina holds a Mortgage Lender / Servicer License (#MLS-3277), Mortgage Lender / Servicer License - Other Trade Name #1 (#MLS - 3277 OTN#1), Mortgage Lender / Servicer License - Other Trade Name #3 (#MLS - 3277 OTN#3), Branch Mortgage Lender/Servicer (#MLB - 1168563) for the Catonsville, MD Branch Office (NMLS ID 1168563) located at 606 Edmondson Avenue, Suite 300, Catonsville, MD 21228, licensed by the South Carolina Board of Financial Institutions, Phone: (803) 734-2020. For licensing information, go to: www.nmlsconsumeraccess.org. Visit https://www.swmc.com/disclaimer for the full list of license information. In all jurisdictions, the principal (Main) licensed location of Sun West Mortgage Company, Inc. is 18303 Gridley Rd., Cerritos, CA 90703, Phone: (800) 453-7884.