Allied Mortgage

Conventional
Credit Minimum: 620

FHA
Credit Minimum: 580

Contact:

Wendy Monaco
877-488-2745
Wendy@alliedmg.com

Annie-Mac Home Mortgage

FHA
Minimum credit requirements: as low as 550 with 10% down or 580 and No Score with 3.5% down

Conventional
Minimum credit requirements: 620 or No Score with as low as 3% down

VA
Minimum credit requirements: 580 up to 100% financing

USDA
Minimum credit requirements: 620 up to 100% financing

Contact:

Cardinal Financial

HomeReady
50% AMI Max
Minimum Down Payment: 3%
Down payment Assistance Grant: $2,500 credit towards down payment or closing cost

Home Possible
50% AMI Max
Minimum Down Payment: 3%
Down payment Assistance Grant: $2,500 credit towards down payment or closing cost

Contact:

Cat Borrero
856-438-9331
cat.borrero@cardinalfinancial.com

Sacha Borrero
856-328-1138
sacha.borrero@cardinalfinancial.com

Elizabeth Parris
856-295-2442
elizabeth.parris@cardinalfinancial.com

Danielle Weissman
856-328-0884
danielle.weissman@cardinalfinancial.com

Dani St. John
980-261-2986
dani.stjohn@cardinalfinancial.com

Citadel Credit Union

Product: Citadel Home Help
Min Credit Score: 620
Downpayment Assistance: Yes, up to $18,000
Other Benefits: Up to 1.25% rate reduction to assist with funds for improvements to a primary residence in qualified communities

Contacts:

Evan Richman
(484) 889-4565
EvanRichman@CitadelBanking.com

Roxana Hernandez
(484) 250-8271
RoxanaHernandez@CitadelBanking.com

Citizens Bank

Citizens Destination Home Mortgage
Credit Minimum: 640
Minimum Down Payment: 3%
Down payment Assistance/Grant: Down Payment Assistance available
Other Benefits: No MI, LMI tract / borrower required, Flexible underwriting, including non-traditional credit, manual underwriting, student loan repayment plans
Housing Choice Voucher Accepted: Yes

Fannie Mae HomeReady
Credit Minimum: 620
Minimum Down Payment: 3%
Down payment Assistance/Grant: Down Payment Assistance available
Other Benefits: Flexible underwriting, including manual underwriting
Housing Choice Voucher Accepted: Yes

Fannie Mae HomeReady SPCP
Credit Minimum: 620
Minimum Down Payment: 3%
Down payment Assistance/Grant: Down payment assistance/Grant Closing Cost/Down Payment Assistance up to $10k
Other Benefits: Appraisal credit of $500, 1 year Home Warranty lender credit, Flexible underwriting including non-traditional credit
Housing Choice Voucher Accepted: Yes

Fannie Mae Conventional
Credit Minimum: 620
Minimum Down Payment: 3%
Down payment Assistance/Grant: Down Payment Assistance available
Other Benefits: Flexible underwriting, including manual underwriting
Housing Choice Voucher Accepted: Yes

FHA
Credit Minimum: 620-640
Minimum Down Payment: 3-5%
Down payment Assistance/Grant: Down Payment Assistance available
Other Benefits: Flexible underwriting, including manual underwriting
Housing Choice Voucher Accepted: Yes

Contact:
Deborah Mason
Deborah.mason@citizensbank.com
215-209-9483

Harry Pecci
Harry.pecci@citizensbank.com
215-512-3048

Citywide Home Mortgage

Conventional
Credit Minimum 580-620
Minimum Downpayment 3%
Other Benefits No MI

FHA
Credit Minimum 500
Minimum Downpayment 3.5%
Other Benefits Up to 6% sellers assist

VA
Credit Minimum 550
Minimum Downpayment 0%
Other Benefits No lenders fees

BORROWSMART ACCESS
Credit Minimum 620
Down payment assistance/ Grant $3,000 in the form of a non-repayable grant

HomeReady First
Credit Minimum 620
Down payment assistance/ Grant Non-repayable grant up to $7,000 along with a $500 credit towards the appraisal fee

Lakeview ZERO
Credit Minimum 620
Other Benefits Up to a 5% down payment assistance loan when paired with a conventional mortgage

The ONEDOWN
Credit Minimum 620
Minimum Downpayment 1%
Down payment assistance/Grant Non-repayable grant of up to a total of $5,500 to be paired with conventional affordable loan program HomeReady Below market interest rate and reduced MI

CHENOA FUND
Credit Minimum 620
Down payment assistance/Grant Down-payment assistance up to 4% of the sales price paired with FHA loan options

Contact:

Kyle Kelly
215-987-4337
kyle.kelly@citywidehm.com

CMG Home Loans

1.  Community ONE  
Get up to $6,000 towards purchase.  Use it towards closing costs, or to get a down payment as low as 1%, or to get a lower rate.
https://www.cmghomeloans.com/mysite/daniel-kemery/loan-programs/community-one-grant

2.     HomeFundIt   
The only online down payment gifting platform in the industry.  Anyone can help you with your down payment, with no offline paperwork, no taxes, or fees.  Get up to a $2000 match!
https://www.cmghomeloans.com/mysite/daniel-kemery/homefundit

3.     Rate Rebound
Worried about high rates?  We have a solution for that.  https://storage.googleapis.com/flyers-storage-prod/images/web_flyers_template/66856390c5d5820240703104328.pdf

4.     Programs with no PMI
– Offers lower mortgage payment
– Improved monthly cash flow

5.     Best Lender for First Time Homebuyers (Investopedia)
Why work with anyone else?
https://vimeo.com/733372055/a1794a1292

Contact:

Christina Hernandez
215-626-4530
chernandez@cmghomeloans.com

CrossCountry Mortgage

Conventional
Credit Minimum: 620
Minimum Down Payment: 3%
Other Benefits: A fixed and adjustable-rate mortgage with flexible terms and low down payment options

FHA
Credit Minimum: 620
Minimum Down Payment: 3.50%
Other Benefits: With low down payments and higher DTI limits, this loan option is great for borrowers with less-than-perfect credit.

VA
Credit Minimum: 500
Minimum Down Payment: 0%
Other Benefits: 100% financing with no down payment requirement available for Service Members and Military Families

CCM Smart Start
Credit Minimum: 620
Minimum Down Payment: Covers 2% (up to $5,250) of the down payment for eligible first-time homebuyers.

Chenoa and Essex
Credit Minimum: 600
Minimum Down Payment: Pairs with an FHA loan, offers a 3.5% or 5% down payment assistance program.

Lakeview, The National
Credit Minimum: 660
Minimum Down Payment: 4% down payment assistance program paired with a conventional mortgage.

Contacts:

Jeremy Durkin
610-213-9438
Jeremy.Durkin@ccm.com

Laura Corley
610-731-4415
Laura.Corley@ccm.com

Sachaney Mills
215-701-6703
Sachaney.Mills@ccm.com

Ken Feinman
215-622-9779
Ken.Feinman@ccm.com

Victoria Kammer
609-408-5787
Victoria.Kammer@ccm.com

Terri Santiago-Parker
856-776-6886
Terri.Parker@ccm.com

Joseph Parker
856-776-6879
Joseph.Parker@ccm.com

Susan O’Hara
484-977-4834
Susan.OHara@ccm.com

Chris Swartz
610-766-7060
Chris.Swartz@ccm.com

Andrew Eckstut
215-435-5706
andrew.eckstut@ccm.com

Customers Bank

Conventional
Credit Minimum: 620
Minimum Down Payment: 5%
Housing Choice Voucher Accepted: Yes

Conventional
Credit Minimum: 680
Minimum Down Payment: 0%
Other Benefits: 100% financing and no MI for LMI
census tract
Housing Choice Voucher Accepted: Yes

Contact:

Rosa Hernandez
484-500-4710
rhernandez@customersbank.com

Firstrust Bank

HomeFirst Mortgage
Credit Minimum: 620
Minimum Down Payment:  1.5%
Other Benefits: No MI, Flexible underwriting, including non- traditional credit, manual underwriting.

HomeFirst Plus Mortgage
Credit Minimum: 620
Minimum Down Payment: 0%
Other Benefits: No MI, Flexible underwriting, including non- traditional credit, manual underwriting.

Home Prosper Mortgage Program
Credit Minimum: 620
Minimum Down Payment: 3%
Down payment assistance/Grant: Closing Cost/Down Payment Assistance up to $15k
Other Benefits: Flexible underwriting, including non- traditional credit

Fannie Mae HomeReady
Credit Minimum: 620
Minimum Down Payment: 3%
Other Benefits: Flexible underwriting, including non- traditional credit, manual underwriting.

Conventional
Credit Minimum: 620
Minimum Down Payment: 3%
Other Benefits: Flexible underwriting, including manual underwriting.

Freddie Mac HomeOne
Credit Minimum: 620
Minimum Down Payment: 3%
Other Benefits: Flexible underwriting, including manual underwriting.

Freddie Mac Home Possible
Credit Minimum: 620
Minimum Down Payment: 3%
Other Benefits: Flexible underwriting, including non- traditional credit, manual underwriting.

FHA
Credit Minimum: 620
Minimum Down Payment: 3.50%
Other Benefits: Flexible underwriting, including manual underwriting.

Contact:

Bart Skurbe
215-771-5626
bskurbe@firstrust.com

Fulton Mortgage

Homebuyer Advantage Plus
Credit Minimum: 620
Minimum Down Payment: 3%
Other Benefits: 6% seller assistance, No PMI

Closing Cost Assistance Program
Credit Minimum: 620
Minimum Down Payment: 5%
Down payment Assistance/Grant: Up to $1000-$1500 towards Down Payment or Closing Cost

Contact:

Julius S. Sharpe, Jr.
267-780-2903 Ext. 11943

Chante’ Meares
267-780-2902
cmeares@fultonmortgagecompany.com

Guaranteed Rate

Loan programs:

  • Conventional- No MI options with as little as 3% down, minimum credit score 580-620
  • FHA- Up to 6% seller’s assist allowed with 3.5% minimum down payment, minimum credit score 560
  • VA- 0% down for Veterans, minimum credit score 550, no lender fees

 Affordable lending options:

  • THE ONEDOWN program exclusively through Guaranteed Rate allows you to buy a home with as little as 1% down. This program offers a non-repayable grant of up to a total of $5,500 to be paired with conventional affordable loan program HomeReady.  Below market interest rate and reduced MI.  Minimum credit score 620.
  • BORROWSMART ACCESS through Guaranteed Rate and Freddie Mac provides $3,000 in the form of a non-repayable grant for first time homebuyers.  Minimum credit score 620.
  • SPCP HomeReady is available to homebuyers living in certain census tracts.  This grant offers a non-repayable grant up to $8,000 along with a $500 credit towards the appraisal fee.  Minimum credit score 620.
  • Lakeview ZERO DOWN through Guaranteed Rate will offer up to a 5% down payment assistance loan when paired with a conventional mortgage.  No first time homebuyer requirement.  Minimum credit score 620.
  • CHENOA FUND offers down payment assistance up to 4% of the sales price paired with FHA loan options.  No first time homebuyer requirement.  Minimum credit score 600.

Contact:

Jennifer Ashley
609-668-4493
jennifer.ashley@rate.com

LINKBANK

First time Homebuyer
Maximum loan amount $275,000
Minimum down payment 3%
Minimum credit score 680
No borrower paid MI

Contact:

David Rogers
(717) 288-7034
drogers@linkbank.com

M&T Bank

M&T Grant Program

M&T offers up to $10,000 to low-income borrowers and up to $5000 for moderate income borrowers purchasing in a low- or moderate-income census tract. The grant is offered to eligible first-time home buyers.

Home Starter Program
Minimum Down Payment: 3%
Other Benefits: No PMI, Fixed rate, 1% out of pocket down payment

FNMA Home Ready
Minimum Down Payment: 3%
Other Benefits: up to 6% of sales price in Interested Party Contributions.

FHA CRA
Minimum Down Payment: 3.5%
Other Benefits: up to 6% of sales price in Interested Party Contributions.
Below-market interest rate available.

Contact:

William N. Pennewell
610-715-4546
wpennewell@mtb.com

Oray Carew
856-330-8016
ocarew@mtb.com

Meridian Bank

FHA
Credit Minimum: 600-620

VA
Credit Minimum: 600-6220

Conventional
Credit Minimum: 620

Contact:

Daniel Deon

484.235.0457

Daniel.Deon@meridianmortgage.com

Stacy Harrison

302-504-5388

Sharrison@meridianmortgage.com

MPB Mortgage

FHA
Credit Minimum: 620

VA
Credit Minimum: 620

Conventional
Credit Minimum: 620

Contact:

Gary E. Risler
215-669-0944
gary.risler@mpbmortgage.com

NFM

Conventional
Credit Minimum: 620
Minimum Down Payment: 3%
Other Benefits: Available 7 days, Nights & Weekends

FHA
Credit Minimum: 500
Minimum Down Payment: 3,5%-10%
Other Benefits: 100% FHA Program Available

VA
Credit Minimum: 580
Other Benefits: Available 7 days, Nights & Weekends

Contact:

Joseph Tulino
215-669-9975
jtulino@nfmlending.com

Ocean First

Neighbor First
Credit Minimum: 620
Max CLTV: 105%
Down payment Assistance/Grant: $6k grant
Other Benefits:1% interest rate discount, No PMI required, only cash requirement is the $595 application fee and a 1 year HOI premium

Contact:

Mark Tillman
856.669.9425
mtillman@oceanfirst.com

Penn Community

Conventional
Credit Minimum: None
Down payment Assistance/Grant: Possibility to buydown rate

Contact:

Jim Drinkwater
215-504-6590
jdrinkwater@penncommunitybank.com

Philadelphia Federal Credit Union (PFCU)

Conventional
Credit Minimum: 620
Minimum Down payment: 3%
Other Benefits: Up to $2000 in closing cost assistance

Home Ready
Credit Minimum: 620
AMI Max: 80%
Minimum Down payment: 3%

Contact:

Regina Carolan
215-934-4051
rcarolan@pfcu.com

Philly Advisors

Conventional
Credit Minimum 620
Minimum Downpayment 3%

FHA
Credit Minimum 620
Minimum Downpayment 3.5%

VA
Credit Minimum 620
Minimum Downpayment 0

Contacts

Jason DeLisi
610-715-3879
jdelisi@phillyadvisors.com

Prosperity Home Mortgage

HomeBuyer Boost (First-Time Homebuyers)
Down payment assistance program offering a $5000 agency grant based on the location of your current residence.

BorrowSmart Access (First-Time Homebuyers)
Down payment assistance program offering $1500 agency grant based on the location of the primary purchase residence.

Contacts:

Pam Russakoff
215-840-4676
pam.russakoff@phmloans.com

Camen Ely
Carmen.eley@phmloans.com
215-651-2396

Crystal Bell
Crystal.bell@phmloans.com
267-664-6333

Angie Alcalde
Angie.alcade@phmloans.com
215-834-4232

Milagros Crespo
Milagros.crespo@phmloans.com
856-993-4963

Antonio Vadillo
Antonio.vadillo@phmloans.com
267-524-8007

Quaint Oak Mortgage

Loan Programs:

  • HomeReady/HomePossible (620 min credit, 3% down, income limits, reduced MI)
  • Conventional (620 min credit, 3% down, no income limits)
  • FHA (500 min credit, 3.5% down, flexible underwriting)
  • VA (580 min credit, $0 down, for eligible veterans)
  • USDA (No min credit, $0 down, income & location limits)

Contacts

Success Mortgage

Conventional
Credit Minimum: 620

FHA
Credit Minimum: 580

VA
Credit Minimum: 580

USDA
Credit Minimum: 600

Contact:

Hakim Singleton
267-337-3157
Hakim@singletonmortgage.com

TD Bank

TD Right Step
Credit Minimum: 620
Minimum Down Payment: 3% - $500 min OOP
Other Benefits: Lender Paid MI
Housing Choice Voucher Accepted: Yes

TD Home Access Mortgage
Credit Minimum: 620
Minimum Down Payment: 3% - $500 min OOP
Other Benefits: Lender Paid MI
Down payment assistance/Grant: $10,000 Lender Credit
(dpa, buydown rate, loan buydown)
Other Benefits: Lender Paid MI
Housing Choice Voucher Accepted: Yes

FNMA Home Ready
Credit Minimum: 620
Minimum Down Payment: 3% - No required OOP
Housing Choice Voucher Accepted: Yes

FHA
Credit Minimum: 620
Minimum Down Payment: 3,5% - No required OOP
Housing Choice Voucher Accepted: Yes

Contact:

Irv Brockington
215-526-8044
irvin.brockington@td.com

Patrick Nicholson
201-574-1713
patrick.nicholson@td.com

Vanessa Owens
443-939-4870
vanessa.owens@td.com

TruMark Financial Credit Union

HomeSweet Loan
Minimum Down Payment: 3%
Other Benefits: Up to 6% seller assist, No MI required,

Contacts
Herb Smith
215-953-5330
hsmith@trumark.org

Andy Kossman
215-953-5352
akossman@trumark.org

Truist

Home Ready
Credit Minimum: 620
Minimum Down Payment: 5%
Down payment Assistance/Grant: 3% of the lessor of home sales price or appraised value up to $7,500 (Grant)
Other Benefits: Can be used towards closing costs, reserves, or pre-paids
Housing Choice Voucher Accepted: Yes

CHIP
Credit Minimum: 620
Minimum Down Payment: $500
Other Benefits: No MI for LMI census tract
Housing Choice Voucher Accepted: Yes

Community Partner (exhausted until 2024)
Credit Minimum: 620
Minimum Down Payment: $1,000
Down payment Assistance/Grant: up to $15,000 for DPA or closing costs
Housing Choice Voucher Accepted: Yes

FTHB (exhausted until 2024)
Credit Minimum: 620
Minimum Down Payment: $1,000
Down payment Assistance/Grant: up to $12,500 for DPA or closing costs
Housing Choice Voucher Accepted: Yes

Contact:

Chris Barlow
215-298-0744
Chris.Barlow@truist.com

Univest

Conventional
Credit Minimum  620

Contacts

Evan Richman
215-380-5869
richmane@univest.net

Diane Giovinazzo
267-228-9851
giovinazzod@univest.net

Brian Dooley
215-820-7803
dooleyb@univest.net

FHA
Credit Minimum 600

Contacts

Steve Bamberski
s215-901-3572
bamberskis@univest.net

Angie Alcalde
215-834-4232
alcaldea@univest.net

WSFS

Neighborhood Opportunity Program
Credit Minimum: 620
Minimum Down Payment: 3%
Down payment Assistance/Grant: Up to $10k DPA and/or closing cost
Other Benefits: 6% seller assist depending on LTV, no PMI, will not be sold

Down Payment Grant Program
Credit Minimum: 620
Maximum AMI: 80%
Down payment Assistance/Grant: Up to $5k DPA grant and/or closing cost
Other Benefits: 6% seller assist depending on down payment
AMI 80%

Contact:

Joe Hallinan
610-613-9524
Joseph.Hallinan@wsfsmortgage.com

J Christopher Flynn
610-812-4505
J.Flynn@wsfsmortgage.com

Peter Gorman
267-473-1955
pgorman@wsfsmortgage.com

Download the booklet with all this information:
TTK lenders 2025

  

Glossary

OOP – Out of pocket
MI/PMI – Mortgage Insurance
DPA – Down Payment Assistance
AMI – Area Median Income
CLTV - Combined loan-to-value