• 620 FICO, 97% LTV (DU Only)
• Non-occupying co-borrower income allowed (DU & LP)
• Manufactured Homes
• Transferred Appraisals
• TBD approvals
• Texas Cash-Out
• NY CEMAs
• Leaseholds

HOMEREADY

• 620 FICO, 97% LTV
• Standard & high balance loan amounts
• Occupying borrower may have ownership in another property
• Reduced MI coverage
• No income limits in low income census tract
• Boarder income allowed
• Non-occupant co-borrower allowed
• Homebuyer education required

 HOME POSSIBLE

• 620 FICO, 97% LTV
• Standard loan amounts only
• Occupying borrower may not have any ownership in another property
• Reduced MI coverage
• LP determines income eligibility
• No reserves or minimum borrower contribution on 1-unit property

 VA

• Purchase, IRRRL & Cash-Out Refinances
• 600 FICO with AUS Approval
• 1-4 Units
• Manufactured homes with 660 FICO
• Leaseholds
• 1 Credit score is acceptable with AUS approval
• 600 FICO for true cash in hand
• Manual underwrites per VA requirements

• Purchase, Streamline, Rate/Term, Simple & Cash-Out Refinances
• 600 FICO with AUS approval
• 1-4 Units
• Manufactured homes with 660 FICO
• Leaseholds
• Standard and high balance loan amounts
• 1 Credit score is acceptable with AUS Approval
• Good Neighbor Next Door & HUD $100 down program
• Manual underwrites per HUD requirements

 USDA

• 640 FICO
• GUS approval only

JUMBO

• 8 Jumbo products available
• 660 FICO
• $5.0 million max loan amount
• 15, 20 & 30 year fixed rate, 5/1, 7/1 & 10/1 ARM (ARM interest only options available, geographic restrictions apply)
• 90% LTV with no MI
• All occupancies
• First time homebuyer and non-occupant co-borrowers allowed
• Financing available for Non-warrantable Condos and Condotels

ALL IN ONE

• Interest only first lien home equity line of credit
• 700 FICO
• Primary and Second Home
• Purchase, Rate/Term & Cash-Out
• 80% LTV
• Loan amounts to $2.0 million
• Geographic restrictions, See product guidelines for complete details