| NHS | Other Lending institutions |
| Minimum score of 580; accepts non traditional credit paperwork with applicants that don’t have a credit score | Minimum credit score of 620 only accepted |
| Up to 35K in down payment assistance for qualified buyers purchasing a new NHS home | Zero down payment assistance |
| Requires client to have $500-2% funds out of pocket | Requires client to have 3.5 - 10% funds out of pocket |
| Free Home buyer counseling for your client | May provide some information to clients who are ready |
| Will counsel your unqualified clients until they become mortgage ready | Will not work with your unqualified prospects. |
| One stop service that provides a variety of affordable and high-quality homes | Will work with a third party builder |
| Will not require the client to pay mortgage insurance | Will require the client to pay mortgage insurance if they do not have 20% down payment |
| *When purchasing a home of less than 60K it may be a little more out of pocket | |