Zuma Gold guidelines

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The full Zuma Gold guidelines, 11 parts and 85 topics, searchable by topic. Sign in to open any of them.

• Matrices5 topicsZUMA GOLD (Primary Residence – Full and Alt Qualifications), ZUMA GOLD (Second Home / Investment – Full and Alt Doc Qualifications), MATRIX OVERLAYS AND GUIDELINE SUMMARY, Housing History
• Program and products7 topicsRegulatory Compliance, Eligible Products, Interest Only Restrictions, Automated Underwriting System (AUS)
• Borrowers6 topicsNon-Permanent Resident Alien, Residency, First Time Home Buyer (FTHB), Non-Occupant Co-Borrower
• Transactions5 topicsPurchase, Rate & Term Refinance, Cash-Out, Delayed Financing
• Credit7 topicsCredit History, Charge-Offs / Collections, Judgements / Liens, Tax Liens
• Assets, reserves and DTI8 topicsReserves, Gift Funds, Assets, Debt-To-Income Ratio
• Income8 topicsSelf-Employed Full Doc, Self-Employed VVOE, Wage Earners, Alt Doc General Restrictions Bank Statement 12- or 24-Month | P&L with Bank statements | IRS Form 1099
• Appraisal and property12 topicsAppraisal, Appraisal Review Products (Lender to order), Minimum Sq. Footage, Appraisal Transfers
• Condominiums7 topicsCondominiums, Non-Warrantable Condominium, Project Condition – Critical Repairs, Special Assessments
• Insurance, ADUs and outbuildings8 topicsCondo Master Property Insurance, Property Insurance, Condo Master Property Insurance, Property Insurance
• Vesting, closing and other requirements12 topicsInterested Party Contributions (IPC) Seller Concessions, Vesting in Limited Liability Companies, Partnerships, Corporations, and S Corporations (each, an “Entity”), Payoffs at Closing, Texas