5 amazing lending options that are expanding the buyer market

  • Don't discount self-employed borrowers right away when they tell you their income and tax filing status.
  • Lower credit borrowers now have access to loan products with lower interest rate options to help them qualify.
  • There is no longer the requirement for homebuyers to contribute to their down payment, closing costs or settlement costs -- all can come from a gift.

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While a lender might otherwise look warily at self-employed borrowers, buyers with lower than optimal credit and individuals with low cash pools, Fannie Mae now offers options that will make mortgages feasible thanks to lower interest rates and no limits on cash gifts.