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 | $453,100 |
| Owner Occ | Purchase | 2 | 85 | 85 | 620 | $580,150 |
| Owner Occ | Purchase | 3 | 75 | 75 | 620 | $701,250 |
| Owner Occ | Purchase | 4 | 75 | 75 | 620 | $871,450 |
| Owner Occ | Rate/Term Refi | 1 | 95 | 95 | 620 | $453,100 |
| Owner Occ | Rate/Term Refi | 2 | 85 | 85 | 620 | $580,150 |
| Owner Occ | Rate/Term Refi | 3 | 75 | 75 | 620 | $701,250 |
| Owner Occ | Rate/Term Refi | 4 | 75 | 75 | 620 | $871,450 |
| Owner Occ | Cashout Refi | 1 | 80 | 80 | 620 | $453,100 |
| Owner Occ | Cashout Refi | 2 | 75 | 75 | 620 | $580,150 |
| Owner Occ | Cashout Refi | 3 | 75 | 75 | 620 | $701,250 |
| Owner Occ | Cashout Refi | 4 | 75 | 75 | 620 | $871,450 |
| Second Home | Purchase | 1 | 90 | 90 | 620 | $453,100 |
| Second Home | Rate/Term Refi | 1 | 90 | 90 | 620 | $453,100 |
| Second Home | Cashout Refi | 1 | 75 | 75 | 620 | $453,100 |
| Non-Owner Occ | Purchase | 1 | 85 | 85 | 620 | $453,100 |
| Non-Owner Occ | Purchase | 2 | 75 | 75 | 620 | $580,150 |
| Non-Owner Occ | Purchase | 3 | 75 | 75 | 620 | $701,250 |
| Non-Owner Occ | Purchase | 4 | 75 | 75 | 620 | $871,450 |
| Non-Owner Occ | Rate/Term Refi | 1 | 75 | 75 | 620 | $453,100 |
| Non-Owner Occ | Rate/Term Refi | 2 | 75 | 75 | 620 | $580,150 |
| Non-Owner Occ | Rate/Term Refi | 3 | 75 | 75 | 620 | $701,250 |
| Non-Owner Occ | Rate/Term Refi | 4 | 75 | 75 | 620 | $871,450 |
| Non-Owner Occ | Cashout Refi | 1 | 75 | 75 | 620 | $453,100 |
| Non-Owner Occ | Cashout Refi | 2 | 70 | 70 | 620 | $580,150 |
| Non-Owner Occ | Cashout Refi | 3 | 70 | 70 | 620 | $701,250 |
| Non-Owner Occ | Cashout Refi | 4 | 70 | 70 | 620 | $871,450 |
Standard ARMs
Occ | LoanPurp | Units | Max LTV | Max CLTV | Min FICO | Max Loan Amt |
|---|---|---|---|---|---|---|
| Owner Occ | Purchase | 1 | 90 | 90 | 620 | $453,100 |
| Owner Occ | Purchase | 2 | 75 | 75 | 620 | $580,150 |
| Owner Occ | Purchase | 3 | 65 | 65 | 620 | $701,250 |
| Owner Occ | Purchase | 4 | 65 | 65 | 620 | $871,450 |
| Owner Occ | Rate/Term Refi | 1 | 90 | 90 | 620 | $453,100 |
| Owner Occ | Rate/Term Refi | 2 | 75 | 75 | 620 | $580,150 |
| Owner Occ | Rate/Term Refi | 3 | 65 | 65 | 620 | $701,250 |
| Owner Occ | Rate/Term Refi | 4 | 65 | 65 | 620 | $871,450 |
| Owner Occ | Cashout Refi | 1 | 75 | 75 | 620 | $453,100 |
| Owner Occ | Cashout Refi | 2 | 65 | 65 | 620 | $580,150 |
| Owner Occ | Cashout Refi | 3 | 65 | 65 | 620 | $701,250 |
| Owner Occ | Cashout Refi | 4 | 65 | 65 | 620 | $871,450 |
| Second Home | Purchase | 1 | 80 | 80 | 620 | $453,100 |
| Second Home | Rate/Term Refi | 1 | 80 | 80 | 620 | $453,100 |
| Second Home | Cashout Refi | 1 | 65 | 65 | 620 | $453,100 |
| Non-Owner Occ | Purchase | 1 | 75 | 75 | 620 | $453,100 |
| Non-Owner Occ | Purchase | 2 | 65 | 65 | 620 | $580,150 |
| Non-Owner Occ | Purchase | 3 | 65 | 65 | 620 | $701,250 |
| Non-Owner Occ | Purchase | 4 | 65 | 65 | 620 | $871,450 |
| Non-Owner Occ | Rate/Term Refi | 1 | 65 | 65 | 620 | $453,100 |
| Non-Owner Occ | Rate/Term Refi | 2 | 65 | 65 | 620 | $580,150 |
| Non-Owner Occ | Rate/Term Refi | 3 | 65 | 65 | 620 | $701,250 |
| Non-Owner Occ | Rate/Term Refi | 4 | 65 | 65 | 620 | $871,450 |
| Non-Owner Occ | Cashout Refi | 1 | 65 | 65 | 620 | $453,100 |
| Non-Owner Occ | Cashout Refi | 2 | 60 | 60 | 620 | $580,150 |
| Non-Owner Occ | Cashout Refi | 3 | 60 | 60 | 620 | $701,250 |
| Non-Owner Occ | Cashout Refi | 4 | 60 | 60 | 620 | $871,450 |
High Balance Fixed
Occ | LoanPurp | Units | Max LTV | Max CLTV | Min FICO | Max Loan Amt |
|---|---|---|---|---|---|---|
| Owner Occ | Purchase | 1 | 95 | 95 | 620 | $679,650 |
| Owner Occ | Purchase | 2 | 85 | 85 | 620 | $870,225 |
| Owner Occ | Purchase | 3 | 75 | 75 | 620 | $1,051,875 |
| Owner Occ | Purchase | 4 | 75 | 75 | 620 | $1,307,175 |
| Owner Occ | Rate/Term Refi | 1 | 95 | 95 | 620 | $679,650 |
| Owner Occ | Rate/Term Refi | 2 | 85 | 85 | 620 | $870,225 |
| Owner Occ | Rate/Term Refi | 3 | 75 | 75 | 620 | $1,051,875 |
| Owner Occ | Rate/Term Refi | 4 | 75 | 75 | 620 | $1,307,175 |
| Owner Occ | Cashout Refi | 1 | 80 | 80 | 620 | $679,650 |
| Owner Occ | Cashout Refi | 2 | 75 | 75 | 620 | $870,225 |
| Owner Occ | Cashout Refi | 3 | 75 | 75 | 620 | $1,051,875 |
| Owner Occ | Cashout Refi | 4 | 75 | 75 | 620 | $1,307,175 |
| Second Home | Purchase | 1 | 90 | 65 | 620 | $679,650 |
| Second Home | Rate/Term Refi | 1 | 90 | 65 | 620 | $679,650 |
| Second Home | Cashout Refi | 1 | 75 | 75 | 620 | $679,650 |
| Non-Owner Occ | Purchase | 1 | 85 | 65 | 620 | $679,650 |
| Non-Owner Occ | Purchase | 2 | 75 | 75 | 620 | $870,225 |
| Non-Owner Occ | Purchase | 3 | 75 | 75 | 620 | $1,051,875 |
| Non-Owner Occ | Purchase | 4 | 75 | 75 | 620 | $1,307,175 |
| Non-Owner Occ | Rate/Term Refi | 1 | 75 | 75 | 620 | $679,650 |
| Non-Owner Occ | Rate/Term Refi | 2 | 75 | 75 | 620 | $870,225 |
| Non-Owner Occ | Rate/Term Refi | 3 | 75 | 75 | 620 | $1,051,875 |
| Non-Owner Occ | Rate/Term Refi | 4 | 75 | 75 | 620 | $1,307,175 |
| Non-Owner Occ | Cashout Refi | 1 | 75 | 75 | 620 | $679,650 |
| Non-Owner Occ | Cashout Refi | 2 | 70 | 70 | 620 | $870,225 |
| Non-Owner Occ | Cashout Refi | 3 | 70 | 70 | 620 | $1,051,875 |
| Non-Owner Occ | Cashout Refi | 4 | 70 | 70 | 620 | $1,307,175 |
High Balance ARMs
Occ | LoanPurp | Units | Max LTV | Max CLTV | Min FICO | Max Loan Amt |
|---|---|---|---|---|---|---|
| Owner Occ | Purchase | 1 | 90 | 90 | 620 | $679,650 |
| Owner Occ | Purchase | 2 | 75 | 75 | 620 | $870,225 |
| Owner Occ | Purchase | 3 | 65 | 65 | 620 | $1,051,875 |
| Owner Occ | Purchase | 4 | 65 | 65 | 620 | $1,307,175 |
| Owner Occ | Rate/Term Refi | 1 | 90 | 90 | 620 | $679,650 |
| Owner Occ | Rate/Term Refi | 2 | 75 | 75 | 620 | $870,225 |
| Owner Occ | Rate/Term Refi | 3 | 65 | 65 | 620 | $1,051,875 |
| Owner Occ | Rate/Term Refi | 4 | 65 | 65 | 620 | $1,307,175 |
| Owner Occ | Cashout Refi | 1 | 75 | 75 | 620 | $679,650 |
| Owner Occ | Cashout Refi | 2 | 65 | 65 | 620 | $870,225 |
| Owner Occ | Cashout Refi | 3 | 65 | 65 | 620 | $1,051,875 |
| Owner Occ | Cashout Refi | 4 | 65 | 65 | 620 | $1,307,175 |
| Second Home | Purchase | 1 | 80 | 80 | 620 | $679,650 |
| Second Home | Rate/Term Refi | 1 | 80 | 80 | 620 | $679,650 |
| Second Home | Cashout Refi | 1 | 65 | 65 | 620 | $679,650 |
| Non-Owner Occ | Purchase | 1 | 75 | 75 | 620 | $679,650 |
| Non-Owner Occ | Purchase | 2 | 65 | 65 | 620 | $870,225 |
| Non-Owner Occ | Purchase | 3 | 65 | 65 | 620 | $1,051,875 |
| Non-Owner Occ | Purchase | 4 | 65 | 65 | 620 | $1,307,175 |
| Non-Owner Occ | Rate/Term Refi | 1 | 65 | 65 | 620 | $679,650 |
| Non-Owner Occ | Rate/Term Refi | 2 | 65 | 65 | 620 | $870,225 |
| Non-Owner Occ | Rate/Term Refi | 3 | 65 | 65 | 620 | $1,051,875 |
| Non-Owner Occ | Rate/Term Refi | 4 | 65 | 65 | 620 | $1,307,175 |
| Non-Owner Occ | Cashout Refi | 1 | 65 | 65 | 620 | $679,650 |
| Non-Owner Occ | Cashout Refi | 2 | 60 | 60 | 620 | $870,225 |
| Non-Owner Occ | Cashout Refi | 3 | 60 | 60 | 620 | $1,051,875 |
| Non-Owner Occ | Cashout Refi | 4 | 60 | 60 | 620 | $1,307,175 |
Mortgage News Daily
- MBS RECAP: Volatility Inside a Range; Still Waiting For "Something" January 23, 2019
- Mortgage Rates Up to New Highs For 2019 January 23, 2019
- FHFA Home Prices See No Slowdown January 23, 2019
Realtor® News
- Mortgage, Rental Aid Arrives for Unpaid Federal Workers January 23, 2019
- Can You Spot Phishing Emails? New Quiz Builds Skills January 23, 2019
- NAR: Real Estate Pros Get Big Win in Tax Qualified Business Income Rule January 23, 2019
Origination News
- FAMP's 2019 Miami Mortgage Convention Trade Show January 23, 2019
- 2019 NRMLA Annual Meeting & Expo January 23, 2019
- NRMLA 2019 Eastern Regional Meeting January 23, 2019
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