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Specialty Loans Offered by HUNT Mortgage

We have loan programs to meet nearly every need. Here are a few of the specialty loan options that we offer. To find out if you qualify, please contact one of our HUNT Mortgage Consultants.

New Investor Loan

This loan is intended for non-owner occupied properties.

Key features include:

  • No Mortgage Insurance Required
  • Up to 85% loan to value financing
  • 1 – 4 Units Allowed
  • Highest required credit score of 680 for 85% LTV, lower scores for lower loan to values.
  • For LTVs of 70% or less there is no limit to the number of currently financed properties
  • LLC ownership allowed
  • Maximum DTI 43%

Non-Warrantable Condo

This loan is intended to help those looking to purchase a condo for which regular financing isn’t available because the condo is not warrantable.

Key features include:

  • Maximum loan to value of 90%
  • Condo complex allowed to have up to a 60% investor concentration
  • Standard conventional financing guidelines
  • Primary, second home and investment ownership permitted

Asset Qualifier Loan

This loan program is intended to help those who may have difficulty showing their income on paper, such as those who are self-employed or who are 1099 employees.

Key features include:

  • Borrowers with significant assets may qualify using assets only
  • Maximum loan to value of 75%
  • Primary or Secondary Residences only
  • Minimum 680 Credit Score
  • No DTI limit

Expanded Parameter

This loan program offers expanded guidelines from a conventional loan.

Key features include:

  • No Mortgage Insurance required for loan to values up to 95%
  • Maximum 50% DTI
  • Representative credit score may be based on primary wage earners only
  • Up to two non-occupying co-borrowers allowed
  • Departing Residence
    • Rent from existing property may be used to qualify
      • Allowed up to 75% of the rents
      • Must be verified by an appraisal
  • First time homebuyers permitted
  • Gift funds allowed

203K Loan

With the 203(k) Rehab Mortgage Program, homebuyers can finance money into their mortgage for home repairs, improvements, or upgrades to make their home move-in ready.

  • The buyer may finance home improvements and/or repairs into one loan up to 6 months mortgage payments can be financed during the renovation period
  • Owner occupied primary residence. 1-4 units allowed.
  • One loan, one closing
  • Gift funds allowed
  • Seller concessions acceptable


This unique mortgage program is designed to assist low and moderate-income residents in rural designated areas by providing better access to affordable housing options with little out of pocket costs.

  • Owner occupied primary single family homes
  • No down payment required, 100% financing
  • No asset or reserve requirements
  • Gift funds are allowed
  • Existing homes, new construction,
  • FHA approved Condos and PUD allowed
  • Guarantee fee can be financed into the loan amount
  • Seller concessions acceptable

HomeReady Loan

For those with modest savings, HomeReady mortgage can be a great option. Whether you’re a first-time homebuyer trying to get your financial foot in the door, a repeat buyer, or a homeowner looking to refinance and lower your monthly payments, HomeReady mortgage can help.

  • Easier Down Payment—Get help from multiple sources like gifts and grants; no minimum personal funds required
  • Expanded Opportunities—First-time and repeat home buyers eligible; co-borrowers don’t have to live in the property
  • Online Education Tools—Gain guidance for long-term homeownership success
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