Income

50% max debt-to-income ratio

Flexibility to use multiple income options including:

• bank statement qualifying

• asset qualifying

• investment property cash flow

Credit History

Very flexible guidelines

i.e. 1 day out of bankruptcy

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As credit improves, pricing improves

620 FICO = minimum

760 FICO = best pricing

Loan Types

Fixed Rate 30 years

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5-7 year Fixed + 23-25 year ARM

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90% Loan-to-Value

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Summary

Common sense underwriting

Competitive common sense pricing

Exceptions to Guidelines allowed

Individuals, Family Trust, LLC vesting

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GOAL:  transition to PORTFOLIO