CoNFORMING

HIGH-BALANCE

HIGH-BALANCE

DU and LPA allowed
Fixed rate & ARM options
Flexible terms from 120 to 360 months
FICO down to 620 with AUS approval
Appraisal waivers accepted
Up to 97% LTV for first-time home buyers (DU Only)
Fannie Mae HomeReady®
Freddie Mac Home Possible®
RefiNow

HIGH-BALANCE

HIGH-BALANCE

HIGH-BALANCE

DU and LPA allowed
Fixed rate & ARM options
Flexible terms from 120 to 360 months
FICO down to 620 with AUS approval
Up to 95% LTV on Purchase
Up to 80% LTV for cash-out
Loans $729,201 - $1,089,300

FHA

FHA

FHA

Fixed rate & ARM options (standard & high balance)
Flexible terms from 120 to 360 months
No appraisal needed for FHA Streamline refinances
FICO down to 580
No FICO - Ok
DACA Category C33 Allowed
1-4 Units and Manufactured Homes

VA

FHA

FHA

Standard VA LTV up to 100% including cash-out transactions
Fixed rate & ARM options available
Loan balances up to $1.5M with qualifying VA Guarantee
Flexible terms from 120 to 360 months
IRRRL LTV up to 110% plus allowable fees associated with new VA loans