100% CLTV FHA Options

Exclusive to Giant Lending

100% DPA

No Payment on the 2nd Loan – 0% Rate
  • NO FIRST TIME HOMEBUYER REQUIREMENT!
  • BPC/LPC options available
  • Subordinated Second Loan (3.5%)
  • No Payment on the Second Loan 0% Rate
  • No Income Restrictions
  • 2/1 Buydown Available
  • 620 Minimum FICO
  • Manual Underwrite 660+ FICO
  • Conforming and High Balance Loan Limits Available
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100% DPA Plus

Better priced option for well qualified borrowers
  • NO FIRST TIME HOMEBUYER REQUIREMENT!
  • 100% CLTV FHA Loan
  • BPC/LPC options available
  • No income limits
  • 2nd lien with an interest rate 2% greater than 1st lien
  • 2nd lien Payment amortized over 10 years
  • Borrower’s minimum contribution of $0.00
  • Conforming and High Balance Loan Limits Available
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101.5% DPA Deluxe

Include Closing Costs (1.5%)
  • NO FIRST TIME HOMEBUYER REQUIREMENT!
  • 101.5% CLTV, (96.5% First + 5% DPA)
  • Include Closing Costs (1.5%)
  • BPC/LPC options available
  • FHA 30-YR Fixed Purchase
  • Refer / Eligible OK
  • No Income Limits
  • 1 – 2 Units, Primary Residence Only
  • 620 Minimum FICO
  • 660 Min FICO for Manual Underwrite
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*May Special Offers valid for loans locked between 5/1/2026 and 5/31/2026. All offers are subject to change without prior notice. Rate and price improvements are applicable only to qualifying loan programs and borrowers, and not all applicants will qualify. Specials cannot be combined with any other offer or price exception unless explicitly stated. Terms, restrictions, and conditions apply. This is not a commitment to lend.

For loans locked May 11th – 31st, 2026. Note: Previous Special that started on 5/1/2026 is honored for loans locked prior to 5/11/2026.”
Loans may qualify for additional price improvement with Select Specials as indicated on our Prime and Non-QM Rate sheets.
GIANT Lending is not affiliated with or acting on behalf of or at the direction of the Federal Housing Administration, Veterans Administration, or the Federal Government.