Standard Fixed
30yr, 20yr, 15yr, 10yr
Programs
- Standard 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
Highlights
- General
- Little to no overlays
- Make sense underwriting
- BestEx pricing on all programs
- Other Programs
- W2 Only
- LPMI
- 5-10 Financed Properties
- Student Cashout
Guidelines
Standard Fixed
Occ | LoanPurp | Units | Max LTV | Max CLTV | Min FICO | Max Loan Amt |
|---|---|---|---|---|---|---|
| Owner Occ | Purchase | 1 | 95 | 95 | 620 | $484,350 |
| Owner Occ | Purchase | 2 | 85 | 85 | 620 | $620,200 |
| Owner Occ | Purchase | 3 | 75 | 75 | 620 | $749,650 |
| Owner Occ | Purchase | 4 | 75 | 75 | 620 | $931,600 |
| Owner Occ | Rate/Term Refi | 1 | 95 | 95 | 620 | $484,350 |
| Owner Occ | Rate/Term Refi | 2 | 85 | 85 | 620 | $620,200 |
| Owner Occ | Rate/Term Refi | 3 | 75 | 75 | 620 | $749,650 |
| Owner Occ | Rate/Term Refi | 4 | 75 | 75 | 620 | $931,600 |
| Owner Occ | Cashout Refi | 1 | 80 | 80 | 620 | $484,350 |
| Owner Occ | Cashout Refi | 2 | 75 | 75 | 620 | $620,200 |
| Owner Occ | Cashout Refi | 3 | 75 | 75 | 620 | $749,650 |
| Owner Occ | Cashout Refi | 4 | 75 | 75 | 620 | $931,600 |
| Second Home | Purchase | 1 | 90 | 90 | 620 | $484,350 |
| Second Home | Rate/Term Refi | 1 | 90 | 90 | 620 | $484,350 |
| Second Home | Cashout Refi | 1 | 75 | 75 | 620 | $484,350 |
| Non-Owner Occ | Purchase | 1 | 85 | 85 | 620 | $484,350 |
| Non-Owner Occ | Purchase | 2 | 75 | 75 | 620 | $620,200 |
| Non-Owner Occ | Purchase | 3 | 75 | 75 | 620 | $749,650 |
| Non-Owner Occ | Purchase | 4 | 75 | 75 | 620 | $931,600 |
| Non-Owner Occ | Rate/Term Refi | 1 | 75 | 75 | 620 | $484,350 |
| Non-Owner Occ | Rate/Term Refi | 2 | 75 | 75 | 620 | $620,200 |
| Non-Owner Occ | Rate/Term Refi | 3 | 75 | 75 | 620 | $749,650 |
| Non-Owner Occ | Rate/Term Refi | 4 | 75 | 75 | 620 | $931,600 |
| Non-Owner Occ | Cashout Refi | 1 | 75 | 75 | 620 | $484,350 |
| Non-Owner Occ | Cashout Refi | 2 | 70 | 70 | 620 | $620,200 |
| Non-Owner Occ | Cashout Refi | 3 | 70 | 70 | 620 | $749,650 |
| Non-Owner Occ | Cashout Refi | 4 | 70 | 70 | 620 | $931,600 |
Standard ARMs
Occ | LoanPurp | Units | Max LTV | Max CLTV | Min FICO | Max Loan Amt |
|---|---|---|---|---|---|---|
| Owner Occ | Purchase | 1 | 90 | 90 | 620 | $484,350 |
| Owner Occ | Purchase | 2 | 75 | 75 | 620 | $620,200 |
| Owner Occ | Purchase | 3 | 65 | 65 | 620 | $749,650 |
| Owner Occ | Purchase | 4 | 65 | 65 | 620 | $931,600 |
| Owner Occ | Rate/Term Refi | 1 | 90 | 90 | 620 | $484,350 |
| Owner Occ | Rate/Term Refi | 2 | 75 | 75 | 620 | $620,200 |
| Owner Occ | Rate/Term Refi | 3 | 65 | 65 | 620 | $749,650 |
| Owner Occ | Rate/Term Refi | 4 | 65 | 65 | 620 | $931,600 |
| Owner Occ | Cashout Refi | 1 | 75 | 75 | 620 | $484,350 |
| Owner Occ | Cashout Refi | 2 | 65 | 65 | 620 | $620,200 |
| Owner Occ | Cashout Refi | 3 | 65 | 65 | 620 | $749,650 |
| Owner Occ | Cashout Refi | 4 | 65 | 65 | 620 | $931,600 |
| Second Home | Purchase | 1 | 80 | 80 | 620 | $484,350 |
| Second Home | Rate/Term Refi | 1 | 80 | 80 | 620 | $484,350 |
| Second Home | Cashout Refi | 1 | 65 | 65 | 620 | $484,350 |
| Non-Owner Occ | Purchase | 1 | 75 | 75 | 620 | $484,350 |
| Non-Owner Occ | Purchase | 2 | 65 | 65 | 620 | $620,200 |
| Non-Owner Occ | Purchase | 3 | 65 | 65 | 620 | $749,650 |
| Non-Owner Occ | Purchase | 4 | 65 | 65 | 620 | $931,600 |
| Non-Owner Occ | Rate/Term Refi | 1 | 65 | 65 | 620 | $484,350 |
| Non-Owner Occ | Rate/Term Refi | 2 | 65 | 65 | 620 | $620,200 |
| Non-Owner Occ | Rate/Term Refi | 3 | 65 | 65 | 620 | $749,650 |
| Non-Owner Occ | Rate/Term Refi | 4 | 65 | 65 | 620 | $931,600 |
| Non-Owner Occ | Cashout Refi | 1 | 65 | 65 | 620 | $484,350 |
| Non-Owner Occ | Cashout Refi | 2 | 60 | 60 | 620 | $620,200 |
| Non-Owner Occ | Cashout Refi | 3 | 60 | 60 | 620 | $749,650 |
| Non-Owner Occ | Cashout Refi | 4 | 60 | 60 | 620 | $931,600 |
High Balance Fixed
Occ | LoanPurp | Units | Max LTV | Max CLTV | Min FICO | Max Loan Amt |
|---|---|---|---|---|---|---|
| Owner Occ | Purchase | 1 | 95 | 95 | 620 | $726,525 |
| Owner Occ | Purchase | 2 | 85 | 85 | 620 | $930,300 |
| Owner Occ | Purchase | 3 | 75 | 75 | 620 | $1,124,475 |
| Owner Occ | Purchase | 4 | 75 | 75 | 620 | $1,397,400 |
| Owner Occ | Rate/Term Refi | 1 | 95 | 95 | 620 | $726,525 |
| Owner Occ | Rate/Term Refi | 2 | 85 | 85 | 620 | $930,300 |
| Owner Occ | Rate/Term Refi | 3 | 75 | 75 | 620 | $1,124,475 |
| Owner Occ | Rate/Term Refi | 4 | 75 | 75 | 620 | $1,397,400 |
| Owner Occ | Cashout Refi | 1 | 80 | 80 | 620 | $726,525 |
| Owner Occ | Cashout Refi | 2 | 75 | 75 | 620 | $930,300 |
| Owner Occ | Cashout Refi | 3 | 75 | 75 | 620 | $1,124,475 |
| Owner Occ | Cashout Refi | 4 | 75 | 75 | 620 | $1,397,400 |
| Second Home | Purchase | 1 | 90 | 65 | 620 | $726,525 |
| Second Home | Rate/Term Refi | 1 | 90 | 65 | 620 | $726,525 |
| Second Home | Cashout Refi | 1 | 75 | 75 | 620 | $726,525 |
| Non-Owner Occ | Purchase | 1 | 85 | 65 | 620 | $726,525 |
| Non-Owner Occ | Purchase | 2 | 75 | 75 | 620 | $930,300 |
| Non-Owner Occ | Purchase | 3 | 75 | 75 | 620 | $1,124,475 |
| Non-Owner Occ | Purchase | 4 | 75 | 75 | 620 | $1,397,400 |
| Non-Owner Occ | Rate/Term Refi | 1 | 75 | 75 | 620 | $726,525 |
| Non-Owner Occ | Rate/Term Refi | 2 | 75 | 75 | 620 | $930,300 |
| Non-Owner Occ | Rate/Term Refi | 3 | 75 | 75 | 620 | $1,124,475 |
| Non-Owner Occ | Rate/Term Refi | 4 | 75 | 75 | 620 | $1,397,400 |
| Non-Owner Occ | Cashout Refi | 1 | 75 | 75 | 620 | $726,525 |
| Non-Owner Occ | Cashout Refi | 2 | 70 | 70 | 620 | $930,300 |
| Non-Owner Occ | Cashout Refi | 3 | 70 | 70 | 620 | $1,124,475 |
| Non-Owner Occ | Cashout Refi | 4 | 70 | 70 | 620 | $1,397,400 |
High Balance ARMs
Occ | LoanPurp | Units | Max LTV | Max CLTV | Min FICO | Max Loan Amt |
|---|---|---|---|---|---|---|
| Owner Occ | Purchase | 1 | 90 | 90 | 620 | $726,525 |
| Owner Occ | Purchase | 2 | 75 | 75 | 620 | $930,300 |
| Owner Occ | Purchase | 3 | 65 | 65 | 620 | $1,124,475 |
| Owner Occ | Purchase | 4 | 65 | 65 | 620 | $1,397,400 |
| Owner Occ | Rate/Term Refi | 1 | 90 | 90 | 620 | $726,525 |
| Owner Occ | Rate/Term Refi | 2 | 75 | 75 | 620 | $930,300 |
| Owner Occ | Rate/Term Refi | 3 | 65 | 65 | 620 | $1,124,475 |
| Owner Occ | Rate/Term Refi | 4 | 65 | 65 | 620 | $1,397,400 |
| Owner Occ | Cashout Refi | 1 | 75 | 75 | 620 | $726,525 |
| Owner Occ | Cashout Refi | 2 | 65 | 65 | 620 | $930,300 |
| Owner Occ | Cashout Refi | 3 | 65 | 65 | 620 | $1,124,475 |
| Owner Occ | Cashout Refi | 4 | 65 | 65 | 620 | $1,397,400 |
| Second Home | Purchase | 1 | 80 | 80 | 620 | $726,525 |
| Second Home | Rate/Term Refi | 1 | 80 | 80 | 620 | $726,525 |
| Second Home | Cashout Refi | 1 | 65 | 65 | 620 | $726,525 |
| Non-Owner Occ | Purchase | 1 | 75 | 75 | 620 | $726,525 |
| Non-Owner Occ | Purchase | 2 | 65 | 65 | 620 | $930,300 |
| Non-Owner Occ | Purchase | 3 | 65 | 65 | 620 | $1,124,475 |
| Non-Owner Occ | Purchase | 4 | 65 | 65 | 620 | $1,397,400 |
| Non-Owner Occ | Rate/Term Refi | 1 | 65 | 65 | 620 | $726,525 |
| Non-Owner Occ | Rate/Term Refi | 2 | 65 | 65 | 620 | $930,300 |
| Non-Owner Occ | Rate/Term Refi | 3 | 65 | 65 | 620 | $1,124,475 |
| Non-Owner Occ | Rate/Term Refi | 4 | 65 | 65 | 620 | $1,397,400 |
| Non-Owner Occ | Cashout Refi | 1 | 65 | 65 | 620 | $726,525 |
| Non-Owner Occ | Cashout Refi | 2 | 60 | 60 | 620 | $930,300 |
| Non-Owner Occ | Cashout Refi | 3 | 60 | 60 | 620 | $1,124,475 |
| Non-Owner Occ | Cashout Refi | 4 | 60 | 60 | 620 | $1,397,400 |
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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