Refinance only at 100%, 6 mos seasoning, Sponsorship by family or employer required.

Credit score for primary has to be at least 720 and for the co-borrower, 680; Payment is based on 30yr P&I

DTI - 40%; Full Appraisals; No Closing Costs if initial draw of $15K is taken @ closing; Fixed 12 month introductory period; Renewals Available