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At Flexpoint, our conventional loan program is designed for borrowers looking for a streamlined, straightforward path to homeownership. Backed by our 19+ years in the industry, we bring a high level of expertise and adaptability to every loan. Our team is dedicated to a personalized lending experience, guiding you from application to closing, so you feel supported every step of the way. Unlike large, volume-focused lenders, we take the time to tailor each loan to your specific needs, making sure that our process fits your financial situation and long-term goals.
Basic Qualification Requirements:
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- Minimum down payment of 5% for qualified borrowers
- Credit score requirement starting at 620
- Maximum debt-to-income (DTI) ratio of 45%, depending on other qualifying factors
- Employment history of at least two years with steady income
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With Flexpoint, you’re partnering with a lender who has successfully managed thousands of loans and knows how to anticipate and overcome challenges in the mortgage process. We combine our deep industry knowledge with a client-first approach to offer conventional loans that are flexible, reliable, and crafted to make homeownership accessible for you.