Everyone talks rate and ratio. Here's what actually decides if your file closes clean:

No sourcing required on large deposits
100% gift funds allowed (down payment, closing costs, reserves)
Only 3 months seasoning on cash-out refinance
Rent free letters accepted for first time buyers
620 min FICO

If one of these has held up a deal for you before, it might be worth a second look here. Drop your scenario and we'll take it from there. 

*Program terms are subject to change and vary based on borrower credit profile, property type, and market conditions. Not all applicants or properties will qualify. This is not a commitment to lend. All loans are subject to underwriting approval. Programs available on investment properties only.