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The #1 USDA Originator in the Nation 2014 & 2015 and Top Originator 2016!

​Thank you for choosing Home Solution Lenders. We want to be your preferred lender!  We continuously work diligently to help you and your clients have the best home buying experience possible.  Home Solution Lenders has closed thousands of loans, including many loans that no other lender could make work.  We strive for excellence with every single loan, no matter the amount.  Our industry knowledge surpasses our competitors and has made us the #1 USDA Loan Originator in the Nation.  Please give us the opportunity to show you how much better we can make the lending process and how much happier your clients can be.

USDA Loans
Home Solution Lenders is the #1 USDA Loan Originator in the nation.  We generated 45% of all USDA loans in the United States for 2014.  No other company has the expertise Home Solution Lenders can offer.  Let us work hard to get you the best loan possible.

  • 100% Financing
  • 580 Credit Score Minimum
  • 640 Credit Score (with AUS Approved allows Expanded Ratios up to 34/46)
  • Payoff of collection(s) not required (HB-1-3555 10.9 Guideline)
  • Manual Underwriting to 29%/41% Debt Ratios
  • All loans under 640 credit score, are required to meet 29%/41% Debt Ratios
  • 3 Years from Bankruptcy/Short Sale/Foreclosure (exceptions allowed)

 Conventional  Loans

  • 620 Scores with 97% Loan To Value
  • No Overlays as we underwrite to Fannie Mae or Freddie Mac Guidelines
  • Up to 90% Loan to Value on Second Homes
  • Up to 85% Loan to Value on Investment Homes
  • No minimum Tradeline Requirement
  • Debt Ratio determined by AUS
  • Payoff of collection accounts determined by AUS
  • Disputes determined by AUS

FHA Loans

  • 3.5% Down Payment required (Gifts allowed)
  • 580 Credit Score Minimum
  • 620 Credit Score with AUS approval will allow expanded ratios as high as (46.99/56.99)
  • 3 Years from Short Sale/Foreclosure/Deed-in-lieu
  • 2 Years from Bankruptcy Chapter 7
  • Manual Underwriting allowed to 31%/43% Ratios
  • Payoff of collection(s) not required (ML-24)
  • Verification of rental determined by AUS

VA Loans

  • 100% Financing
  • 580 Credit Score Minimum
  • 2 Years from date of Bankruptcy/Short Sale/Foreclosure
  • Manual Underwriting Permitted up to 41%
  • Debt to Income Ratio determined by AUS (approvals up to 60%)
  • Payoff of collection accounts determined by AUS

The below documents are available for download to assist you.  For further questions or additional general inquiries, please call and we can explain in detail.  If there is a document you would like to reference and cannot find here, please contact  

​General Questions

Loan Cheat Sheets

HUD Changes 9/14/2015

Special Programs: Fresh Start Arm


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