Smart Move Mortgage Products offer affordable interest rates and down payment assistance for borrowers of low to moderate income.  The programs are ideal for borrowers who need extra flexibility on sources of income or who have limited funds for down payments and/or closing costs.


  • Offers up to $6,000 in down payment and closing cost assistance as a 10-year 0% forgivable loan
  • Maximum LTVs from 96.5% to 100%
  • Conventional/FHA/USDA insured products available
  • Fixed rate with terms up to 30 years
  • Reduced mortgage insurance requirements on conventional programs

Mortgage Insurance

Mortgage insurance requirements are approximately 1/3 less than other conventional products.

              LTV Ratio                    Coverage

              80.01-85%                          6%

              85.01-90%                         12%

              90.01%-95%                     16%

              95.01%-97%                      18%



  • Minimum credit score requirement: 620 (FHA and USDA loans); 660 (conventional loans)
  • Maximum total debt (back end) ratio of 45%
  • Buyer must contribute 1% or $1000 of the purchase price, whichever is greater
  • First-time homebuyer or qualified exemption
  • Household income and purchase price limits apply
  • Homeownership counseling is required

For more information, call Hasani Steele at 877.734.0070 ext. 7, or email