Government Loans

Newfi Wholesale provides FHA and VA loans combining low rates, low down payments, and more flexible credit qualifications.

FHA Loans

Low down payments and reduced credit requirements for first-time and experienced homebuyers

  • AUS or manual underwrite
  • Credit scores as low as 580
  • Down payments as low as 3.5%
  • Gift funds can cover 100% of down payment and closing costs
  • Up to 85% cash out
  • 3 years seasoning for foreclosure or deed-in-lieu

See Guidelines (on, .pdf) Read More About FHA Loans

FHA Streamline Refinancing

Allows homeowners with an existing FHA loan to refinance without an appraisal or certain other documentation

  • No appraisal required
  • No income/employment verification required
  • Credit scores as low as 580
  • Reduced documentation needs

See Guidelines (on, .pdf)

VA Purchase Loans

With no down payment and no MI, VA loans are a great choice for eligible homebuyers

VA Loans

  • No down payment required (depends on loan amount)
  • No monthly mortgage insurance premiums
  • Credit scores as low as 580
  • DTI to 41% (up to 50% in exceptional circumstances)
  • High maximum loan amounts (varies by county)

See Guidelines (on

VA IRRRL Refinancing & Cash Out

A VA Interest Rate Reduction Refinancing Loan (IRRRL) provides streamlined refinance for eligible borrowers


  • Refinance up to 100% of home value
  • Reduced documentation requirements
  • Credit scores as low as 660
  • No mortgage insurance
  • High maximum loan amounts (varies by county)

See Guidelines (on

Let’s talk about your borrower needs and how we can help.