Full-documentation loans.
Traditional income documentation, such as pay stubs, W-2s and tax returns. Each program sets its own documentation requirements.
- Programs
- 23
- Score from
- No score
- Redondo
- LTV up to
- 100%
- VA and USDA
- Loans to
- $5M
- Carmel
23 programs take it.
Each program’s best score, LTV (CLTV for a second lien) and loan amount with this documentation, at the tier shown under each. Largest loan first.
| Program | Limits |
|---|---|
| CarmelNon-QM | 620+ score80% LTVloans to $5M80% at 680+ to $3M; $5M at 680+ and 70%; 620 allows 50% to $2,000,001 |
| Zuma PrimeNon-QM · Zuma family | 620+ score90% LTVloans to $4M90% at 700+ to $1.5M; $4M at 720+ and 70%; 620 allows 70% to $1M |
| Zuma SilverNon-QM · Zuma family | 660+ score90% LTVloans to $3.5M90% at 740+ to $1M; $3.5M at 740+ and 65%; 660 allows 80% to $1M |
| Malibu PlusJumbo | 660+ score89.99% LTVloans to $3.5M89.99% at 680+ to $2M; $3.5M at 740+ and 80%; 660 allows 80% to $2M |
| Manhattan PlusJumbo | 700+ score89.99% LTVloans to $3.5M89.99% at 700+ to $1.5M; $3.5M at 740+ and 75% |
| Jumbo PlusJumbo | 660+ score80% LTVloans to $3.5M80% at 660+ to $1.5M; $3.5M at 740+ and 70% |
| Newport Non-ConformingNon-QM · Newport family | 620+ score90% LTVloans to $3M90% at 740+ to $1M; $3M at 680+ and 75%; 620 allows 65% to $1M |
| BalboaNon-QM | 660+ score85% LTVloans to $3M85% at 720+; 660 allows 70% |
| RedondoNewNon-QM | No score score85% LTVloans to $3M85% at 700+ to $1.2M; $3M at 680+ and 70%; No score allows 80% to $1.2M |
| Zuma GoldNon-QM · Zuma family | 620+ score85% LTVloans to $3M85% at 680+ to $1.5M; $3M at 680+ and 70%; 620 allows 70% to $1M |
| MontereyJumbo | 720+ score80% LTVloans to $3M80% at 720+ to $1.5M; $3M at 760+ and 75% |
| Fannie Mae ConformingConventional | Per AUS score97% LTVloans to $2,438,025 |
| HomeReadyConventional | Per AUS score97% LTVloans to $2,438,025 |
| Freddie Mac ConformingConventional | Per AUS score95% LTVloans to $2,438,025 |
| VAGovernment | 580+ score100% LTVloans to $2M100% at 580+ to $1M; $2M at 700+ and 100% |
| Home PossibleConventional | Per AUS score97% LTVloans to $1,625,350 |
| ITINNon-QM | 660+ score80% LTVloans to $1.5M |
| HomeOneConventional | Per AUS score97% LTVloans to $845K |
| Closed-End SecondSeconds | 680+ score90% CLTVloans to $750K90% at 740+ to $350K; $750K at 700+ and 80%; 680 allows 75% to $750K |
| Prime Closed-End SecondSeconds | 680+ score85% CLTVloans to $500K85% at 700+ to $350K; $500K at 700+ and 80%; 680 allows 75% to $350K |
| FHA Down Payment AssistanceGovernment | 600+ score101.5% CLTVloans to FHA county limit |
| USDAGovernment | 620+ score100% LTVloans to By income eligibility |
| FHAGovernment | 500+ score97.75% LTVloans to County limit97.75% at 580+; 500 allows 90% |
Figures for this documentation only; a program’s card elsewhere shows its best across every path. One loan may not get all three.
Other ways to qualify.
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