# Eligible First Liens Homium requires that the first lien be a standard repayment term mortgage with normal terms and conditions. The following lien types are eligible for a Homium subordinate lien: * Fixed Rate * ARM with normal amortization The following lien types are not eligible for a Homium subordinate lien: * Free and Clear * Loans that allow for negative amortization * Loans that allow for additional draws that increase the amount of the outstanding balance on the first lien * Any loan that does not have regular monthly payment terms or normal amortization --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://underwriting.homium.io/eligibility/mortgage-eligibility/eligible-first-liens.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.