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360 Mortgage Group LLC NATIONWIDE except: HI MA MT ND NH NJ NY RI VT
866-418-2997 www.360mtg.com
FHA Full V V V Y O P 1-4 580 96.5/417 50 96. 5 0/12 2 1 3 1.75 F
FHAR/T Full V V V Y O R 1-4 580 97.75/417 50 97. 7 0/12 2 1 3 1.75 B
FHAC/O Full V V V Y O R 1-4 580 85/417 50 85 0/12 2 1 3 1.75 B
Streamline No Ratio N V V Y ON R 1-4 580 97.75/417 0 97. 75 0/24 2 1 3 1.75 F
FHA Full V V V Y O PR 1 580 96.5/417 41 96. 5 0/12 2 1 3 1.75 A
FHAHigh Bal Full V V V Y O PR 1 680 96.5/729 41 96. 5 0/12 2 1 3 1.75 F
VA Full V V V Y O P 1 580 100/417 50 100 0/12 2 1 3 B
VAIRRRL Full V V V Y O RC 1 580 90/417 0 150 0/24 2 1 3 F
FHA county limits apply to maximum mortgage amounts.
American Financial Resources Inc. NATIONWIDE
877-678-6571 clientservices@afrwholesale.com www.afrwholesale.com
FHA203(b) Full V V V Y O P 1-2 600 96. 5 96. 5 0/12 2 1 3 1 1.75 B DTIA/E-AUSRefer31/43%
FHA203(b) Full V V V Y O R 1-2 600 97. 75 97. 75 0/12 2 1 3 1 1.75 B DTIA/E-AUSRefer31/43%
FHA203(b) Full V V V Y O C 1-2 600 85 85 0/12 2 1 3 1 1.75 B DTIA/E-AUSRefer31/43%
FHA203(k) Full V V V Y O P 1-2 600 96. 5 96. 5 0/12 2 1 3 1 1.75 B DTIA/E-AUSRefer31/43%
FHA203(k) Full V V V Y O R 1-2 600 97. 75 97. 75 0/12 2 1 3 1 1.75 B DTIA/E-AUSRefer31/43%
FHA 203(b) Repair Full V V V Y O P 1-2 600 96. 5 96. 5 0/12 2 1 3 1 1.75 B DTI A/E-AUS Refer 31/43%
FHA 203(h) Full V V V Y O P 1-2 600 100 100 0/12 1.75 B See UW Guidelines
FHA $100 Down Full V V V Y O P 1 600 0/12 2 1 3 1 1.75 B LTV based on $100 down
FHAGNND Full V V V Y O P 1 600 96. 5 96. 5 0/12 2 1 3 1 1.75 B SeeUWGuidelines
FHA One Time Close Full V V V Y O P 1 620 96. 5 96. 5 0/12 2 1 3 1 1.75 F Stick Builts now permitted
FHAStreamline Full V V V Y ON R 1-2 600 97. 75 125 0/12 2 1 3 1 1.75 B ReducedMIPavailable
FHAStreamline NoRatio N V V ON R 1-2 600 97. 75 125 0/12 2 1 3 1 1.75 B ReducedMIPavailable
VA Full V V V Y O PRC 1-2 620 100 100 0/12 2 1 2 1 F SeeFundingFeeChart
VAIRRRL Full V V V Y ON R 1-2 620 0/12 2 1 2 1 F SeeUWGuidelines
VA IRRRL No Ratio N V V ON R 1-2 620 0/12 2 1 2 1 F See UW Guidelines
USDA Full V V V Y O PR 1 620 100 100 0/12 3 1 3 1 2.00 F SeeLendingLibrary
AFR Wholesale is a national lender specializing in manually underwritten government loans. Ranked #1 203(k) wholesale lender for sponsored originations. Manufactured housing permitted for all programs.
Banc Home Loans NATIONWIDE
855-965-1758 TPO@banchomeloans.com TPO.banchomeloans.com
VA Full V V V Y O P 1-4 600 100/801 43 100 0/12 2 2 2 2 B HUDlimitsforunits/jumbo
FHA Full V V V Y O P 1-4 580 96.5/801 43 100 0/12 2 2 3 3 B HUDlimitsforunits/jumbo
VAIRRRL Full V V V Y OVN R 1-4 600 125/801 125 0/12 2 2 2 2 B HUDlimitsforunits/jumbo
FHAStreamline Full V V V Y OVN R 1-4 620 97.75/801 43 125 0/12 2 2 3 3 B 1-unitonlyfor2ndhome
Agency Conforming Full V V V Y OVN P 1-4 620 97/801 43 97 0/12 4 2 7 4 B LTV tiers vary w Occ & Pur
Agency High Bal Full V V V Y OVN P 1-4 620 90/1202 43 90 0/12 4 2 7 4 B LTV tiers vary w Occ & Pur
203(k) Std & Stream Full V V V Y O PR 1-4 620 96.5/801 43 96. 5 0/12 2 2 3 3 F HUD limits for units/jumbo
HomeStyleReno. Full V V V Y OVN PR 1-4 620 95/801 95 0/12 4 2 7 4 F HighBalancewhereavail
A division of Banc of California, NA offering FNMA/FHLMC standard and high balance, FHA/VA/USDA and portfolio jumbo programs. Visit TPO.banchomeloans.com for more information.
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
D TI
M TG
LATES
BANKRUPTCY/
FORECLOSURE
M TG
INSUR-
ANCE
