What kinds of properties be eligible for a HomeStyle loan? You may need a minimum credit rating of at least 620 in order to get HomeStyle Restoration financing, and mortgage restrictions incorporate. A financial obligation-to-money (DTI) proportion out-of forty five% or shorter must satisfy official certification. Your advance payment is just as low just like the 5% if you don’t step three% to possess a single-family home (the brand new deposit will be higher some other brand of qualities).