Can you put down 5% down on a conventional on a 3 unit in PA

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Im applying for a mortgage at univest in PA. The lady lied to me says i can put 5% down conventional loan on 3 unit than after doing a hard inquiry on my credit. She says i cant without 20% down. This is such bs. She said you cant put down 5% conventional loan on 3 units in PA is this true ??

[Jerry Padilla]

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For a primary residence you can do as little as 20% down on a 3-4 unit with Freddie Mac (one of the two conventional routes) 

Home Possible is a low down payment program that may be an option with only 5% down if you are purchasing in a no income limit area, or meet the income limits within the area.

Here is some info on Home Possible; 

Advantages of Home Possible

• LTV of 97% on 1 unit & 95% on 2-4 units
• Minimum credit score of 620 1-2 units, 3-4 if greater than 20% down and 720 if less than 20% down on 3-4 units.
• PRIMARY Residence purchase only
• NOT Required to be a first time home buyer
• Locations considered a low income census tract - have no income restrictions

Restrictions of Home Possible

• 3-4 unit properties require a 720 credit score with less 20% down.
• Purchase transactions only - no cash out & no rate and term refinances allowed
• Income limits apply ONLY in certain locations. The borrowers qualifying income converted to annual income must not exceed 100% of the Area Median Income for the location of the subject property. This can be looked up on Freddie Mac’s website; http://www.freddiemac.com/homepossible/eligibility.html
• May NOT own other residential property
• MI insurance when greater than 80% LTV
• Max loan amount - conforming limits (super conforming allowed on SFR only)
• Non- occupying co-borrowers are not allowed with this program