| Lender | Min FICO | Max LTV | Max PTI | Rate | Terms | BK | Self-emp | SCRA |
|---|---|---|---|---|---|---|---|---|
| Loading lender matrix… | ||||||||
| Tier | Credit Range | Typical Approval | Max Rate | Max LTV | Min Down | Notes |
|---|---|---|---|---|---|---|
| Near-prime | 620–659 | 88% | 14.9% | 125% | $0 | Full back-end available |
| Subprime | 580–619 | 72% | 18.9% | 120% | 8% | PTI ≤ 18%, verify income |
| Deep subprime | 540–579 | 54% | 21.9% | 115% | 12% | 2 stips typical, proof of residence |
| Severe | 500–539 | 31% | 24.9% | 110% | 18% | Strong down + references |
| Post-BK (Ch7 discharged) | 520+ | 61% | 19.9% | 120% | 10% | ≥12mo since discharge |
| Active Ch13 | 580+ | 43% | 18.9% | 115% | 12% | Trustee approval / payment-to-trustee letter |