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Conventional Residential Loan

FICO Score: 620 Minimum

Housing Expense Ratio (Front End): Cannot Exceed 28% 

Debt to Income Ratio (Back End): Cannot Exceed 36% 



FHA Residential Loan

FICO Score: 550 Minimum

Housing Expense Ratio (Front End): Cannot Exceed 31% 

Debt to Income Ratio (Back End): Cannot Exceed 43% 



VA Residential Loan

Debt to Income Ratio (Back End): Cannot Exceed 41% 


USDA Residential Loan




*For Interest or Disclosures, please contact viem@mairealtyandloan.com or call (925) 595-5605.