Mortgage Programs

Conventional

Minimum FICO Score - 580

Down Payment - 3%

Max Debt Ratio - 50.49%

Lower PMI Options

0% Down Payment Options

Free grant money options

First-Time Homebuyer Benefits

FHA

Minimum FICO Score - 500

Options for no credit score

Down Payment - 3.5%

Max Debt Ratio - 56.99%

More lenient guidelines for qualifying

Loan is assumable when you sell

VA

Minimum FICO Score - 500

Options for no credit score

Down Payment - 0%

Max Debt Ratio - N/A

No PMI

Seller is allowed to pay off debt for veteran

Loan is assumable when you sell

USDA

Minimum FICO Score - 580

Options for no credit score

Down Payment - 0%

Max Debt Ratio - 45.99%

Income restrictions apply

Lower PMI than FHA

Down Payment Assistance

Minimum FICO Score - 620

Max Debt Ratio - 45%

Free grant money available with no repayment required

Up to $24,000 assistance available

Options for repayment or no repayment

Outside The Box

Investor Loans - No income docs

Bank Statement Loans - For self- employed with low reported income

Home Equity Lines Of Credit (HELOC) options

1099 program options to avoid tax returns

Renovation Loans (Conv, FHA, VA)

Construction & Land Loans

Office:

8 Cadillac Drive

Brentwood, TN 37027

Call or Text

256-509-8200

615-899-CHAD (2423)

Site:

www.chadwickanderson.com

www.zerodownmortgageman.com

Copyright 2026 . All rights reserved

Chadwick Anderson, NMLS #372289

Canopy Mortgage, LLC | 360 Technology Court, Suite 200 Lindon, UT 84042 | 877-426-5500 |

NMLS Consumer Access #:1359687. All loans subject to credit and property approval.

www.nmlsconsumeraccess.org

Equal Housing Lender