| Fixed Rate | Minimum Down Payment | 10% or 20%
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| | Credit History | No credit history required
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| | Work History | At least 12 months. If self employed, at least 24 months
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| | Rental History | At least 12 months. If self employed, at least 24 months
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| | Alternative Credit | With 10% down payment, 3 lines of credit for 12 months are required. With 20% down payment 2 lines of credit or rental history for 12 months are required
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| ARM | Down Payment | 5%, 10% or 20%
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| | Credit History | Credit history required only with a 5% down payment
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| | Work History | At least 18 months with a 5% down payment. At least 12 months with a 10% or 20% down payment
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| | Rental History | At least 12 months
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| | Alternative Credit | With 5% down payment, 2 lines of credit for 6 months are required. With 10% down payment, 3 lines of credit for 12 months are required. With 20% down payment 2 lines of credit or rental history for 12 months are required
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