Borrowers must have a minimum of three lines of credit that have been active for at least 18 of the past 24 months - and paid on time.

Overall debt-to-income ratio of 45% or less.

Must meet county limit on household income and purchase price.

Maximum Loan-to-Value (LTV) of 95% for single-family homes.

Two-year employment history.

Borrower contribution of at least 1% on LTV, greater than 95%.

Attend a home-buyer education course