Program of the Federal Department of Agriculture (For Purchase) of the principal residence.

For people of low to moderate income and verifiable with pay stub, taxes and W-2.

Must be eligible by Max Family Income:(1-4 members) $103,500 of (5-8 members) $136,000.

1. Up to 101% LTV (borrowing margin).
2. Annual mortgage insurance .35%
3. Mortgage Insurance Once financed, 1%
4. It can be loaned to include closing costs under certain conditions.
5. You can buy a single-unit primary residence or refinance to lower RURAL loan payments.
6. It allows lending to buy and make repairs up to 10% or $10,000, provided that the property values ​​that difference above the sale price (RURAL repairs).
7. Area condos may be RURAL (call and verify), not FHA listing.

The property must be within an area called RURAL in PR, according to the map:

Buy your land and build

1. Up to 100% LTV (borrowing margin).
2. Fixed interest rate before starting the project.
3. The maximum loan amount is determined by the projected appraisal.
4. You issue your first monthly payment once the property is delivered to you. (Maximum time 12 months). This way, you don't have to pay the rent and the loan in what the construction ends.
5. The minimum land size is 500 meters.
6. The land must be located in an area named RURAL by USDA.

1. Loan for purchase or refinancing for persons who serve or have served honorably in any of the divisions of the U.S. military.
2. Regular Veteran - Reservist - Retired - Widow -National Guard - Coast Guard
3. For the main residence only.
4. 100% financing available.
5. Low interest rate.
6. For employees or self-employed persons. (Evidence of income will be by slats, slats, and W-2s)
7. House or condominium. *For condominium must be within VA approved listing.*
8. The loan limit is set by the maximum allowable guarantee for each veteran for the VA Certificate of Eligibility, which is obtained in the DD-214 form.
9. The credit score may be low.

1. Up to 96.5% LTV (borrowing margin).
2. It requires a minimum down payment of 3.5% and allows a family member to donate the same.
3. For purchase or refinancing of the main residence.
4. Refinancing to lower payment to 97.75 LTV (borrower margin vs appraisal)
5. Refinancing with surplus up to 85% of LTV (borrower margin vs appraisal)
6. Evidence of income (pay stubs, returns and W-2)
7. Credit score according to guide and its conditions.
8. Maximum loan amount established for each town in P.R.
9. Limit of $498,257.00 for one housing unit, $637,950.00 for two units, $771,125.00 for three units and $958,350.00 for four housing units in the Metropolitan Area. Other limits apply to the rest of the municipalities.
10. Condos must be FHA listed. (www.hud.gov)
11. Up Front Mortgage Insurance 1.75%
12. Annual mortgage insurance .55% to 96.5%, .50% from 95% LTV down.
    

1. Up to 96.5% of LTV (borrowing margin).
2. It requires a minimum of 3.5% soon and allows a family member to donate the same./li>
3. Repairs can be financed within the loan.
4. For purchase or refinancing of principal residence.
5. Refinancing to lower payment to an LTV 97.75 (borrower margin vs. appraisal)
6. Excess refinancing up to 80% of LTV (borrower margin vs. appraisal)
7. Evidence of income (verifiable pay stub, income tax return, and W-2)
8. Maximum loan amount set for each town in P.R.
9. Up to $498,257.00 for one housing unit, $637,950.00 for two units, $771,125.00 for three units and $958,350.00 for 4 units of housing in Metro Area. Other limits apply to the rest of the municipalities.
10. Condos must be on the FHA listing. (www.hud.gov)

1. Up to 96.5% LTV (borrowing margin).
2. Add the purchase and installation of a new system of photovoltaic panels for solar energy.
3. Install the system after closing.
4. Maximum Loan: “As Is” appraised value or purchase price, whichever is lower, plus up to 20% of this “As Is” appraisal or purchase price to purchase and install the solar renewable energy system.
5. The System must be new and purchased and installed by experts in the field.
6. With a single loan, you save electricity even if you pay a little more monthly mortgage.
7. It requires a minimum deposit of 3.5% and allows a family member to donate the same.
8. For purchase or refinancing of the principal residence.
9. Evidence of income (bill stubs, forms, and W-2)
10. Maximum loan amount established for each town in P.R.
11. Limit of $498,257.00 for one housing unit, $637,950.00 for two units, $771,125.00 for three units and $958,350.00 for four housing units in the Metropolitan Area. Other limits apply to the rest of the municipalities.

1. Loan for principal residence, second and investment.
2. Up to 80% LTV without mortgage insurance.
3. 95% with private mortgage insurance for the main residence. (The mortgage insurance premium can be financed by up to 2%.)
4. You can finance up to 90% LTV for the second residence with private mortgage insurance.
5. For investment, you can reach up to 80% LTV without mortgage insurance.
6. Qualification by a verifiable pay stub, income tax return, and W-2.
7. Competitive interest rates.
8. Limit $647,200.00 for one unit, $858,700.00 for two units, $1,001,650.00 for three units and $1,244,850.00 for four units.

1. Up to 85% LTV in the main residence, without mortgage insurance and up to 95% with private mortgage insurance.
2. A Second Home, up to 85%.
3. 85% LTV for investment residence, no private insurance.
4. Non-qualifying condominiums FHA - VA - RURAL - Fannie Mae.
5. Income is evidenced by verifiable pay stubs or financial statements.
6. Maximum loan amount up to $500,000.00

1. Up to 98% LTV in the main residence, with mortgage insurance by AFV.
2. Up to $160,000 loans.
3. From 700 credit score.
4. You can use CDBG-DR funds for closing costs and down payment.
5. Non-qualifying condominiums FHA - VA - RURAL - Fannie Mae.
6. Income is evidenced with income tax and year to date.