JumboPLUS+

• Loans to $3M

• 89.99% LTV to $1.5M no MI

• FICOs from 660

• 30-Year Fixed

• Primary, Second & Investment

• 1 to 4 Units

• Loans must be $1 higher than County Limits

• Max DTI to 50%

• Unlimited Cash-Out up to Max LTV

• Up to 10 Financed REOs

• Zero or up to 6 months or subject AUS findings for reserves

• Gift funds allowed after 3% from own funds. LTV <= 80%, 100% can be gifted

• Forbearance follows agency

• Consolidating non-purchase seasoned 2nd liens is Cash-Out

• Follows agency guidelines with limited overlays

Malibu Jumbo

• Loans to $2.5M

• 89.99% to $1.5M no MI

• FICOs from 700

• 15 & 30-year Fixed: SOFR ARMs: 5/6, 7/6, 10/6

• Primary, Second & Investment

• 1 to 4 Units

• Loans must be $1 higher than Conforming Limits

• Max DTI to 43%

• Cash-out Primary Max: $500K; Secondary Max: $350K

• Up to 4 Financed REOs

• Minimum of 12 months of reserve up to 30 months + 6 months for each additional financed

• Gift funds allowed after 5% from own funds

• Forbearance Not allowed

• Consolidating non-purchase seasoned 2nd liens is R&T

• Jumbo guidelines requires two years income history

Manhattan Jumbo

• Loans to $2.5M

• 80% LTV to $1.5M

• FICOs from 680

• 15 & 30-year fixed mortgage options

• Primary & Second

• 1 to 2 Units

• Loans must be $1 higher than Conforming Limits

• Max DTI to 43%

• Cash-Out Primary Max: $325K

• Up to 4 Financed REOs

• Minimum of 9 months of reserve up to 24 months

• Gift funds allowed after 5% from own funds

• Forbearance Not allowed

• Consolidating non-purchase seasoned 2nd liens is R&T

• Jumbo guidelines requires two years income history