95% conventional loan with mid FICO 674

You can do that if your DTI is in line and you meet the other guidelines. Tripoint is in San Diego; contact me through my profile or visit WeFixRates.Com.

Yes you can do this as rate and term loan or purchase. Keep in mind the approval will heavily depend on if the PMI companies will approve the loan. Your debt to income ratio will play a huge factor along with the area that you are currently seeking the loan on. Good luck!