• Interest-Only offered up to $2M, with FICOs from 680

• Max. 50%DTI

• $125K to $3M

• LTV up to 80% with FICOs from 680

• Aggressive pricing on Second Homes and Investment with high-balance loan amounts

• CASH-OUT – Only 6 months seasoning required

• Unlimited cash-out up to 65% LTV

• CASH-OUT can be used to meet half of the reserve requirement

• No seasoning for Rate and Term to use current market value

•  Loans to $3M
•  Primary, Second homes and Investment Properties
•  SFR, PUD, Condo, 2-4 Unit property types
•  Loan amount needs to be $1 higher than conforming loan limits
•  FICOs from 720
•  Max. DTI up to 43%
•  100% of funds to meet reserve can come from retirement accounts
•  Fixed 15- and 30-year and 5/6, 7/6 and 10/6 SOFR ARMs
• U.S. citizens and permanent residents only

• Max DTI to 50%

• Maximum loan amount to $3.5M on Purchase and R/T

• Unlimited cash-out up to 80% LTV

• Stock assets can be use 100% of value to meet reserves

• FICOs from 660

• Follow closely to FNMA or FHLMC guides

• One appraisal required up to $2M

• Appraisal transfer allowed

• 30-Year Fixed

• Living rent free allowed

• Loan amount needs to be $1 higher than conforming limits

•  Loans to $3.0M up to 80% LTV for Purchase
•  Loans to $2.5M for Investment
•  Owner-Occupied, Second Homes and Investment
•  FICOs from 660
•  Non-occupant co-borrower allowed, with restrictions
•  No reserves on loan amounts to $1.0M max. at 80% LTV, subject to DU or LPA
findings
•  Loan amount must be $1 higher than conforming limits
•  Primary and Second Home Cash-out up to $500K; Investment Cash-Out up to $350K
• SFR, PUD and Condos, 2 to 4 units
• Up to 10 financed properties; 15 REOs owned

•  Loans to $2.5M
•  80% LTV to $1.5M
•  FICOS from 680
• 30-year fixed
•  Owner-occupied and second-home transactions
•  2 to 4-units
• Appraisal Transfers Accepted
• Loan Amount must be $1 higher than conforming limits