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50% max debt-to-income ratio
Standardized document requirements
No flexibility
Restrictive requirements
640 FICO = minimum
740 FICO = best pricing
Fixed Rate 10-15-20-25-30 years
Fixed/ARMS 5-7-10 years/30 yr term
95% Loan-to-Value
Best pricing on all programs
No exceptions to Guidelines allowed
Individuals or Family Trust vesting
43% max debt-to-income ratio
Very restrictive requirements
700 FICO = minimum
760 FICO = best pricing
Fixed Rate 15-30 years
90% Loan-to-Value
Excellent pricing on all programs
48% max debt-to-income ratio
Flexible document requirements with multiple qualifying options
Flexible requirements
680 FICO = minimum
5-7-10 year Fixed/Arm Combos
30 year fixed
80% Loan-to-Value
Very good pricing on all programs
Exceptions to Guidelines allowed
GOAL: transition to Agency or Jumbo
Flexibility to use multiple income options including:
bank statement qualifying
asset qualifying
investment property cash flow
Very flexible guidelines
i.e. 1 day out of bankruptcy
As credit improves, pricing improves
620 FICO = minimum
Fixed Rate 30 years
5-7 year Fixed + 23-25 year ARM
Common sense underwriting
Competitive common sense pricing
Individuals, Family Trust, LLC vesting
GOAL: transition to PORTFOLIO