640 to 650 Credit.Same Current Refi Cap.Program 7: Up to 60% LTV., DSCR Refinance Options for 640 to 650 FICO
- The old Program 7 tier breakpoints are obsolete
- Qualifying refinances can reach up to 60% LTV across low-FICO or no-FICO scenarios
- No minimum DSCR ratio requirement on Program 7
- Qualifying Program 7 loans can reach up to $10 million
A one-point FICO difference no longer changes the Program 7 refinance LTV tier.
Get a Quote →No credit pull for the initial quote · Rates within 24 hours · Typical 28-day close with complete documentation
Get a Quote / See Your Options
Updated Program 7 Structure
640 and 650 No Longer Fall Into Different Refinance Tiers
Program 7 no longer uses the prior FICO ladder that changed leverage at 641 and 660. Under the current Program 7 structure, qualifying refinances can reach up to 60% LTV for low-FICO or no-FICO borrowers.
Program 7 also has no minimum DSCR ratio requirement and can support qualifying loan amounts up to $10 million. Pricing remains materially higher than standard-credit DSCR programs.
Through Get Brick Capital, Program 7 is unavailable in Minnesota, North Dakota, South Dakota, Montana, Utah, and Vermont.
Program 7 Current Transaction Limits
Low / No FICO Refi
Up to 60% LTV
Low / No FICO Purchase
Up to 75% LTV
Minimum DSCR
No Minimum
Maximum Loan
Up to $10M
640 to 650 Credit Score DSCR FAQ
640 to 650 FICO? See the Current Program 7 Terms.
No credit pull for the initial quote. Rates within 24 hours.
Related Loan Programs
Program 7 No Minimum DSCR
Current Program 7 leverage, loan size, DSCR, and state rules.
Learn More →500 FICO500 Credit Score Options
Program 7 can consider a 500 FICO under the current refinance structure.
Learn More →Pull EquityCash-Out Refinance
Compare Program 7 with the other current refinance paths.
Learn More →