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First Guaranty Mortgage Corp. NATIONWIDE except: AK NH SD
800-296-2275 whapeman@fgmc.com www.FGMCWholesale.com
Streamline SIVA S V V OVN PR 1 530
125 0/12 1.75 B Subject to County Limits
203(b)&(c) Full V V V Y O P 1-4 530
96.5/271 96. 5 0/12 2 1 3 3 1.75 B SubjecttoCountyLimits
203(b)&(c) Full V V V Y O R 1-4 530
97.75/271 97. 75 0/12 2 1 3 3 1.75 B SubjecttoCountyLimits
203(b)&(c) Full V V V Y O C 1-4 530 85/271 85 0/12 2 1 3 3 1.75 B SubjecttoCountyLimits
VA Full V V V Y O P 1-4 530 100/417 100 0/12 2 1 2 2.15 B SubjecttoCountyLimits
VA IRRRL NINA N V N OVN R 1 530 150/417 150 0/12 . 5 B Rebuttal Presumption OK
203(k) Full V V V Y O PR 1-4 530
96.5/271 96. 5 0/12 2 1 3 3 1.75 B Full/StreamlineAvailable
1xClose Full V V V Y O P 1 580
96.5/271 96. 5 0/12 2 1 3 3 1.75 B VAAvailableAlso
First Guaranty Mortgage Corporation® (FGMC) is a national approved single-family issuer for Ginnie Mae; an approved Fannie Mae MBS issuer; approved by HUD; an FHA-approved lending institution; approved for VA; and
approved by USDA.
Home Point Financial NATIONWIDE except: AK AR AZ HI IA LA MO MS MT NE NM NV UT WY
973-585-6100 eadams@homepointfinancial.com www.hpftpo.com
FHAPurchase Full V V V Y O P 1-2 580
96.5/417 43 96. 5 0/12 2 2 3 3 1.75 B AUSApproved,620+Expands
FHARefinance Full V V V Y O R 1-2 580
96.5/417 43 96. 5 0/12 2 2 3 3 1.75 B AUSApproved,620+Expands
FHACash-Out Full V V V Y O C 1-2 580 85/417 43 85 0/12 2 2 3 3 1.75 B AUSApproved,620+Expands
FHAStreamline NoDoc N N N OVN R 1-4 580 1/13 2 2 3 3 1.75 F MHPermittedwith620
VAPurchase Full V V V Y O P 1-4 580 100/417 55 100 0/12 2 2 2 2 B AUSApproved,MHw/640
VARefinance Full V V V Y O RC 1-4 580 100/417 55 100 0/12 2 2 2 2 B AUSApproved,MHw/640
VAIRRRL NoDoc N N N OVN R 1-4 580 1/7 2 2 2 2 B MHPermittedwith620
USDAPurchase Full V V V Y O PR 1 640 100/417 41 1/24 3 3 3 3 F GUSAccept
Formerly known as Maverick Funding Corp.
HomeBridge Wholesale NATION WIDE except: NE
855-729-2883 www.homebridgewholesale.com
FHAPurchase Full V V V Y O P 1 580 90/625 43 90 0/12 2 1 3 3 1.75 B
FHAPurchase Full V V V Y O P 1-4 620
96.5/625 660
96.5/1202 45 105 0/12 2 1 3 3 1.75 B 2-4Units660FICO
FHARefi Full V V V Y O R 1-4 620
97.75/625 660
97.75/1202 45 97. 75 0/12 2 1 3 3 1.75 B 2-4Units660FICO
FHACash-Out Full V V V Y O C 1-4 620 85/625 660 85/1202 45 85 0/12 2 1 3 3 1.75 B FHAcountylimitsapply
Streamline NoRatio N V V Y O R 1 620 100/625 125 B
VA Full V V V Y O P 1 580 90/1000 43 90 0/12 2 1 3 1.75 B
VA Full V V V Y O P 1-4 600 100/1000 45 100 2 1 3 B VAcountylimitsapply
VA Full V V V Y O C 1-4 580 90/1000 600 100/1000 45 115 0/12 2 1 3 B VAcountylimitsapply
VA IRRRL No Ratio N V V O R 1 580 125/1000 0/12 B VA county limits apply
VA IRRRL No Ratio N V V VN R 1 580 125/1000 0/12 B Conforming loan amounts
203(k) Full V V V Y O PR 1-4 620
96.5/625 660
96.5/1202 45 105 0/12 2 1 3 1.75 F FHAcountylimitsapply
203(k) Limited Full V V V Y O PR 1 620
96.5/625 45 105 2 1 3 1.75 F FHA county limits apply
Refer to program guidelines for restrictions.
LEGEND: P=Purchase; R=Rate and Term Refi; C=Cash-Out Refi; O=Owner-Occupied; V=Vacation Home; N=Non-Owner-Occupied; NINA=No Income, No Asset;
SISA=Stated Income, Stated Asset; SIVA=Stated Income, Verified Asset; F=Fixed Interest Rate; A=Adjustable Rate Mortage (ARM); B=Both
Note: 2016 Fannie Mae/Freddie Mac loan limits: 1 = $417,000; 2 = $533,850; 3 = $645,300; 4 = $801,950
(AK, Guam, HI & U.S. Virgin Islands = 50% higher)
All parameters on each line are used in combination
with one another — each line represents a specific
loan scenario or credit grade
FICO%/$K %/$K FICO
Ratio
%
30s
in the
Last
Mo
to
%
Ch 7
BK
Disch
Upfront
MI
Max
%
Ch 13
BK
File
Fore
Satis
Short
Sale
Min Yrs Since
Fixed,
ARM,
Both Type I E A 45
I=Income
E=Employment
A=Assets 45=4506
V=Verified S=Stated
DOCUMENTATION
PROGRAM NAME
O
V
N
P
R
C
OCC PURP
#
UNITS COMMENTS
LTV / LOAN AMOUNT COMBINATIONS
CLTV
RATE
DTI
M TG
LATES
BANKRUPTCY/
FORECLOSURE
M TG
INSUR-
ANCE
D
I
S
P
L
AY
D
I
S
P
L
AY
D
I
S
P
L
AY
D
I
S
P
L
AY
D
I
S
P
L
AY
D
I
S
P
L
AY
