The REEL program requires a borrower minimum credit score of 580. Lenders may, however, set higher minimum credit requirements. Please view the find financing page for requirements by lender. Borrowers without a FICO may be eligible for the program, at the lender’s discretion, provided borrowers have no unexplained derogatory credit reports.
Additionally, the REEL program requires a debt-to-income ratio of no more than 55%. Lenders will work with you to determine your debt-to-income ratio.