Complete Rate Program

We see our customers in so many unique situations from coast to coast* and want to create inclusive opportunities for homeownership. With Complete Rate powered by FormFree, we’re helping our clients forge alternative paths to homeownership when they have no traditional credit score.

The program analyzes consistent income deposits and payments, including rental payment history, to provide a better interest rate to customers with no traditional credit score.

Homeownership is possible with our Complete Rate program.

• Provides a complete picture of our customer’s financing situation for better pricing
• Reviews income and debt through a bank statement analysis process
• Financing options utilizing FHA, VA, and USDA loans are available with down payments from zero to 3.5%
• Primary purchase transactions only
• Non-traditional credit must be established with rent history, utilities, or car insurance payments to qualify

Complete Rate is providing a more complete picture of a customer’s creditworthiness, and potentially provides a lower interest rate to unlock the barriers to homeownership.