(1) Borrowers purchasing in targeted neighborhoods are exempt from the first time homebuyer requirement.
(2) Minimum credit score of 660 for borrowers with income less than or equal to the HomeReady income limits
(3)School Employees is defined as teachers, administrators, school district employees and staff members working for any California public school (pre/TK-12) or public-school district, which includes Charter schools and county/continuation schools.
(4) Fire Department Employees is defined as firefighters, administrators and all other state, federal, local or tribal fire department employees.