Agency Fixed
30yr, 20yr, 15yr, 10yr
Programs
- Agency ARMs
5/1, 7/1, 10/1 LIBOR
- High Balance Fixed
30yr, 20yr, 15yr, 10yr
- High Balance ARMs
5/1, 7/1, 10/1 LIBOR
Guidelines
Last Updated: 1/1/18
Agency Fixed
Type | Occ | LoanPurp | Units | Max LTV | Max CLTV | Min FICO | Max Loan Amt |
|---|---|---|---|---|---|---|---|
| Fixed | Owner Occ | Purchase | 1 | 95 | 95 | 620 | $453,100 |
| Fixed | Owner Occ | Purchase | 2 | 85 | 85 | 620 | $580,150 |
| Fixed | Owner Occ | Purchase | 3 | 75 | 75 | 620 | $701,250 |
| Fixed | Owner Occ | Purchase | 4 | 75 | 75 | 620 | $871,450 |
| Fixed | Owner Occ | Rate/Term Refi | 1 | 95 | 95 | 620 | $453,100 |
| Fixed | Owner Occ | Rate/Term Refi | 2 | 85 | 85 | 620 | $580,150 |
| Fixed | Owner Occ | Rate/Term Refi | 3 | 75 | 75 | 620 | $701,250 |
| Fixed | Owner Occ | Rate/Term Refi | 4 | 75 | 75 | 620 | $871,450 |
| Fixed | Owner Occ | Cashout Refi | 1 | 80 | 80 | 620 | $453,100 |
| Fixed | Owner Occ | Cashout Refi | 2 | 75 | 75 | 620 | $580,150 |
| Fixed | Owner Occ | Cashout Refi | 3 | 75 | 75 | 620 | $701,250 |
| Fixed | Owner Occ | Cashout Refi | 4 | 75 | 75 | 620 | $871,450 |
| Fixed | Second Home | Purchase | 1 | 90 | 90 | 620 | $453,100 |
| Fixed | Second Home | Rate/Term Refi | 1 | 90 | 90 | 620 | $453,100 |
| Fixed | Second Home | Cashout Refi | 1 | 75 | 75 | 620 | $453,100 |
| Fixed | Non-Owner Occ | Purchase | 1 | 85 | 85 | 620 | $453,100 |
| Fixed | Non-Owner Occ | Purchase | 2 | 75 | 75 | 620 | $580,150 |
| Fixed | Non-Owner Occ | Purchase | 3 | 75 | 75 | 620 | $701,250 |
| Fixed | Non-Owner Occ | Purchase | 4 | 75 | 75 | 620 | $871,450 |
| Fixed | Non-Owner Occ | Rate/Term Refi | 1 | 75 | 75 | 620 | $453,100 |
| Fixed | Non-Owner Occ | Rate/Term Refi | 2 | 75 | 75 | 620 | $580,150 |
| Fixed | Non-Owner Occ | Rate/Term Refi | 3 | 75 | 75 | 620 | $701,250 |
| Fixed | Non-Owner Occ | Rate/Term Refi | 4 | 75 | 75 | 620 | $871,450 |
| Fixed | Non-Owner Occ | Cashout Refi | 1 | 75 | 75 | 620 | $453,100 |
| Fixed | Non-Owner Occ | Cashout Refi | 2 | 70 | 70 | 620 | $580,150 |
| Fixed | Non-Owner Occ | Cashout Refi | 3 | 70 | 70 | 620 | $701,250 |
| Fixed | Non-Owner Occ | Cashout Refi | 4 | 70 | 70 | 620 | $871,450 |
Agency ARMs
Type | Occ | LoanPurp | Units | Max LTV | Max CLTV | Min FICO | Max Loan Amt |
|---|---|---|---|---|---|---|---|
| ARM | Owner Occ | Purchase | 1 | 90 | 90 | 620 | $453,100 |
| ARM | Owner Occ | Purchase | 2 | 75 | 75 | 620 | $580,150 |
| ARM | Owner Occ | Purchase | 3 | 65 | 65 | 620 | $701,250 |
| ARM | Owner Occ | Purchase | 4 | 65 | 65 | 620 | $871,450 |
| ARM | Owner Occ | Rate/Term Refi | 1 | 90 | 90 | 620 | $453,100 |
| ARM | Owner Occ | Rate/Term Refi | 2 | 75 | 75 | 620 | $580,150 |
| ARM | Owner Occ | Rate/Term Refi | 3 | 65 | 65 | 620 | $701,250 |
| ARM | Owner Occ | Rate/Term Refi | 4 | 65 | 65 | 620 | $871,450 |
| ARM | Owner Occ | Cashout Refi | 1 | 75 | 75 | 620 | $453,100 |
| ARM | Owner Occ | Cashout Refi | 2 | 65 | 65 | 620 | $580,150 |
| ARM | Owner Occ | Cashout Refi | 3 | 65 | 65 | 620 | $701,250 |
| ARM | Owner Occ | Cashout Refi | 4 | 65 | 65 | 620 | $871,450 |
| ARM | Second Home | Purchase | 1 | 80 | 80 | 620 | $453,100 |
| ARM | Second Home | Rate/Term Refi | 1 | 80 | 80 | 620 | $453,100 |
| ARM | Second Home | Cashout Refi | 1 | 65 | 65 | 620 | $453,100 |
| ARM | Non-Owner Occ | Purchase | 1 | 75 | 75 | 620 | $453,100 |
| ARM | Non-Owner Occ | Purchase | 2 | 65 | 65 | 620 | $580,150 |
| ARM | Non-Owner Occ | Purchase | 3 | 65 | 65 | 620 | $701,250 |
| ARM | Non-Owner Occ | Purchase | 4 | 65 | 65 | 620 | $871,450 |
| ARM | Non-Owner Occ | Rate/Term Refi | 1 | 65 | 65 | 620 | $453,100 |
| ARM | Non-Owner Occ | Rate/Term Refi | 2 | 65 | 65 | 620 | $580,150 |
| ARM | Non-Owner Occ | Rate/Term Refi | 3 | 65 | 65 | 620 | $701,250 |
| ARM | Non-Owner Occ | Rate/Term Refi | 4 | 65 | 65 | 620 | $871,450 |
| ARM | Non-Owner Occ | Cashout Refi | 1 | 65 | 65 | 620 | $453,100 |
| ARM | Non-Owner Occ | Cashout Refi | 2 | 60 | 60 | 620 | $580,150 |
| ARM | Non-Owner Occ | Cashout Refi | 3 | 60 | 60 | 620 | $701,250 |
| ARM | Non-Owner Occ | Cashout Refi | 4 | 60 | 60 | 620 | $871,450 |
High Balance Fixed
Type | Occ | LoanPurp | Units | Max LTV | Max CLTV | Min FICO | Max Loan Amt |
|---|---|---|---|---|---|---|---|
| Fixed | Owner Occ | Purchase | 1 | 95 | 95 | 620 | $679,650 |
| Fixed | Owner Occ | Purchase | 2 | 85 | 85 | 620 | $870,225 |
| Fixed | Owner Occ | Purchase | 3 | 75 | 75 | 620 | $1,051,875 |
| Fixed | Owner Occ | Purchase | 4 | 75 | 75 | 620 | $1,307,175 |
| Fixed | Owner Occ | Rate/Term Refi | 1 | 95 | 95 | 620 | $679,650 |
| Fixed | Owner Occ | Rate/Term Refi | 2 | 85 | 85 | 620 | $870,225 |
| Fixed | Owner Occ | Rate/Term Refi | 3 | 75 | 75 | 620 | $1,051,875 |
| Fixed | Owner Occ | Rate/Term Refi | 4 | 75 | 75 | 620 | $1,307,175 |
| Fixed | Owner Occ | Cashout Refi | 1 | 80 | 80 | 620 | $679,650 |
| Fixed | Owner Occ | Cashout Refi | 2 | 75 | 75 | 620 | $870,225 |
| Fixed | Owner Occ | Cashout Refi | 3 | 75 | 75 | 620 | $1,051,875 |
| Fixed | Owner Occ | Cashout Refi | 4 | 75 | 75 | 620 | $1,307,175 |
| Fixed | Second Home | Purchase | 1 | 90 | 65 | 620 | $679,650 |
| Fixed | Second Home | Rate/Term Refi | 1 | 90 | 65 | 620 | $679,650 |
| Fixed | Second Home | Cashout Refi | 1 | 75 | 75 | 620 | $679,650 |
| Fixed | Non-Owner Occ | Purchase | 1 | 85 | 65 | 620 | $679,650 |
| Fixed | Non-Owner Occ | Purchase | 2 | 75 | 75 | 620 | $870,225 |
| Fixed | Non-Owner Occ | Purchase | 3 | 75 | 75 | 620 | $1,051,875 |
| Fixed | Non-Owner Occ | Purchase | 4 | 75 | 75 | 620 | $1,307,175 |
| Fixed | Non-Owner Occ | Rate/Term Refi | 1 | 75 | 75 | 620 | $679,650 |
| Fixed | Non-Owner Occ | Rate/Term Refi | 2 | 75 | 75 | 620 | $870,225 |
| Fixed | Non-Owner Occ | Rate/Term Refi | 3 | 75 | 75 | 620 | $1,051,875 |
| Fixed | Non-Owner Occ | Rate/Term Refi | 4 | 75 | 75 | 620 | $1,307,175 |
| Fixed | Non-Owner Occ | Cashout Refi | 1 | 75 | 75 | 620 | $679,650 |
| Fixed | Non-Owner Occ | Cashout Refi | 2 | 70 | 70 | 620 | $870,225 |
| Fixed | Non-Owner Occ | Cashout Refi | 3 | 70 | 70 | 620 | $1,051,875 |
| Fixed | Non-Owner Occ | Cashout Refi | 4 | 70 | 70 | 620 | $1,307,175 |
High Balance ARMs
Type | Occ | LoanPurp | Units | Max LTV | Max CLTV | Min FICO | Max Loan Amt |
|---|---|---|---|---|---|---|---|
| ARM | Owner Occ | Purchase | 1 | 90 | 90 | 620 | $679,650 |
| ARM | Owner Occ | Purchase | 2 | 75 | 75 | 620 | $870,225 |
| ARM | Owner Occ | Purchase | 3 | 65 | 65 | 620 | $1,051,875 |
| ARM | Owner Occ | Purchase | 4 | 65 | 65 | 620 | $1,307,175 |
| ARM | Owner Occ | Rate/Term Refi | 1 | 90 | 90 | 620 | $679,650 |
| ARM | Owner Occ | Rate/Term Refi | 2 | 75 | 75 | 620 | $870,225 |
| ARM | Owner Occ | Rate/Term Refi | 3 | 65 | 65 | 620 | $1,051,875 |
| ARM | Owner Occ | Rate/Term Refi | 4 | 65 | 65 | 620 | $1,307,175 |
| ARM | Owner Occ | Cashout Refi | 1 | 75 | 75 | 620 | $679,650 |
| ARM | Owner Occ | Cashout Refi | 2 | 65 | 65 | 620 | $870,225 |
| ARM | Owner Occ | Cashout Refi | 3 | 65 | 65 | 620 | $1,051,875 |
| ARM | Owner Occ | Cashout Refi | 4 | 65 | 65 | 620 | $1,307,175 |
| ARM | Second Home | Purchase | 1 | 80 | 80 | 620 | $679,650 |
| ARM | Second Home | Rate/Term Refi | 1 | 80 | 80 | 620 | $679,650 |
| ARM | Second Home | Cashout Refi | 1 | 65 | 65 | 620 | $679,650 |
| ARM | Non-Owner Occ | Purchase | 1 | 75 | 75 | 620 | $679,650 |
| ARM | Non-Owner Occ | Purchase | 2 | 65 | 65 | 620 | $870,225 |
| ARM | Non-Owner Occ | Purchase | 3 | 65 | 65 | 620 | $1,051,875 |
| ARM | Non-Owner Occ | Purchase | 4 | 65 | 65 | 620 | $1,307,175 |
| ARM | Non-Owner Occ | Rate/Term Refi | 1 | 65 | 65 | 620 | $679,650 |
| ARM | Non-Owner Occ | Rate/Term Refi | 2 | 65 | 65 | 620 | $870,225 |
| ARM | Non-Owner Occ | Rate/Term Refi | 3 | 65 | 65 | 620 | $1,051,875 |
| ARM | Non-Owner Occ | Rate/Term Refi | 4 | 65 | 65 | 620 | $1,307,175 |
| ARM | Non-Owner Occ | Cashout Refi | 1 | 65 | 65 | 620 | $679,650 |
| ARM | Non-Owner Occ | Cashout Refi | 2 | 60 | 60 | 620 | $870,225 |
| ARM | Non-Owner Occ | Cashout Refi | 3 | 60 | 60 | 620 | $1,051,875 |
| ARM | Non-Owner Occ | Cashout Refi | 4 | 60 | 60 | 620 | $1,307,175 |
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Office Information
West Coast HQ
18881 Von Karman Ave.
11th Floor
Irvine, CA 92612
(855) 95-EAGLE
(855) 953-2453
Underwriting Fees
$1,095 All 1st Programs
$1,195 All 1st Programs
(w/out DO Sponsorship)
$695 Streamlines/IRRRLS
$995 Standalone 2nd TD
$495 Combo 2nd TD
$99 Redraw
18881 Von Karman Ave.
11th Floor
Irvine, CA 92612
(855) 95-EAGLE
(855) 953-2453
Underwriting Fees
$1,095 All 1st Programs
$1,195 All 1st Programs
(w/out DO Sponsorship)
$695 Streamlines/IRRRLS
$995 Standalone 2nd TD
$495 Combo 2nd TD
$99 Redraw