text: Yes there is such a loan program. It is credit score driven and you will need 3 months PITI as reserves; minimum. The program is a 80% first option arm with your rates fixed for the first 5 years of the program. The 2nd is either a fixed 30 due in 30 or a fixed 30 due in 30 interest only. You qualify on the fully indexed rate, interest only payment.\n\nDrop me a line if interested in this product\n\nKevin 866-562-6838 x 106\nkruorock@firstratelending.com