This program is designed for the self employed. Under this program the following guidelines apply: 90% LTV for those with a 680 minimum credit score 80% LTV for both A and A- Credit Available for wage earners up to 75% LTV Available for Purchase, Cash-Out and Rate/Term Refinance No 4506 form needed Disclaimer: All loans are subject to credit approval. A credit inquiry is required. Interest rates and loan programs are subject to change and/or cancellation without notice.