The lenders listed below are currently participating in the Smart-E program. All final underwriting decisions are made by the lender and not by the Green Bank. The Smart-E program is based on the following minimum borrower qualifications:

• Minimum FICO score of 580
• Debt-to-income ratio under 50%
• No bankruptcies or foreclosures within the last seven years

Individual lenders can have higher standards and requirements. Please check with the lender before applying if you have concerns about these qualifications.