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Home Point Financial Corp. NATIONWIDE except: AR HI MO MS MT NM NV UT
866-400-1362 clientservices@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 1 620 100/417 41 1/24 3 3 3 3 F GUSaccept
Check out our new products, pricing and service. Home Point Financial is poised to help brokers grow their business with our innovation and follow-through.
JMAC Lending Inc. AZ CA CO DC FL GA HI MD NJ OR TN TX UT VA WA
949-390-2688 info@jmaclending.com www.jmaclending.com
FHA 30 Full V V V Y O P 1-4 580 96.5/417000 620 96.5/625500 55 0/12 2 1 3 1.75 B FICO 580 max DTI 41%
FHA 30 Full V V V Y O C 1-4 580 85/417000 620 85/625500 55 0/12 2 1 3 1.75 B FICO 580 max DTI 41%
FHA 30 No Ratio N V V ON R 1-4 600 97.75/729000 660 97.75/729000 0/12 2 1 3 1.75 B NOO req. FICO 660
VA Full V V V Y O PC 1-4 580 100/417000 620 100/1e+006 55 0/12 2 1 3 B FICO 580 DTI 41%; 640 C/O
VA No Ratio N V V N R 1-4 660 0/12 2 1 3 B FICO 580 max DTI 41%
VA No Ratio N V V O R 1-4600 620 0/12 2 1 3 1.75 B NOO req. FICO 660
Specials until the end of March 2017 (FHA and IRRRL lender fee $389; .125% better in pricing on all government programs). Restrictions; FICO 580-619 allowed on 1-2 units.
LoanStream AZ CA CO DC FL GA IL IN KY LA MA MD MI MN NJ NM NV OH OK OR TX UT WA WI
800-760-1833 ezqual@lswholesale.com www.lswholesale.com
FHA R/ T Refi Full V V V Y O R 1-4 580 97.5/417 580 97.5/625 55 97. 5 0/12 2 2 3 3 1.75 B County loan limits apply
PortfolioFHA/VA Full V V V Y O PRC 1-4 560 96.5/417 620 96.5/625 55 103 0/12 3 3 3 3 1.75 B CHDAPforbrokers
FHAC/ORefi Full V V V Y O RC 1-4 620 95/417 620 85/625 50 95 0/12 2 2 3 3 1.75 B Countyloanlimitsapply
FHAPurchase Full V V V Y O P 1-4 580 96.5/417 580 96.5/625 55 96. 5 0/12 2 2 3 3 1.75 B Countyloanlimitsapply
Streamline NoRatio N V V OVN R 1-4 580 100/417 580 100/625 0 100 0/12 2 2 3 3 1.75 F Countyloanlimitsapply
VAPurchase Full V V V Y O P 1-4 580 100/417 580 100/625 55 100 0/12 2 2 2 2 3. 3 B Countyloanlimitsapply
VACash-out Full V V V Y O R 1-4 580 100/417 580 100/625 50 100 0/12 2 2 2 2 3. 3 B M.U/W
VAIRRRL Full V V V Y O R 1-4 580 100/417 580 100/625 0 100 0/12 2 2 2 2 0.5 B M.U/W
VAJumboPurchase Full V V V Y O P 1-4 620 90/1500 50 90 0/12 2 2 2 2 3. 3 B Approve/Eligibleonly
OCMBC Inc. dba LoanStream NMLS No. 2125
NYCB Mortgage Banking NATIONWIDE
888-321-6446 potentialclient@mynycb.com www.nycbmortgage.com
FHA 203(b) & 234(c) Full V V V Y O P 1-2 620 96.5/625 50 1/12 2 3 1.75 F County limits apply
FHA 203(b) & 234(c) Full V V V Y O R 1-2 620 97.75/625 50 1/12 2 3 1.75 F County limits apply
FHA203(b)&234(c) Full V V V Y O C 1-2 620 85/625 50 85 1/12 2 3 1.75 F Countylimitsapply
FHA Streamline No Ratio N V V O R 1-2 620 97.75/625 125 1/6 2 3 1.75 F With appr no credit qual
FHA Streamline No Ratio N V V O R 1-2 620 1/6 2 3 1.75 F No appr no credit qual
Refer to program guidelines for restrictions. Not available for correspondent transactions.
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: 2017 Fannie Mae/Freddie Mac loan limits: 1 = $424, 100; 2 = $543,000; 3 = $656,350; 4 = $815,650
(AK, Guam, HI & U.S. Virgin Islands = 50% higher)
All parameters on each line are used in combination
with one another — each line represents a specific
loan scenario or credit grade
FICO%/$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
D
I
S
P
L
AY
D
I
S
P
L
AY
