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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 1-2 580 96.5/625 55 1/12 2 3 1.75 F County limits apply
FHA 203(b) & 234(c) Full V V V Y O R 1-2 580 97.75/625 55 1/12 2 3 1.75 F County limits apply
FHA203(b)&234(c) Full V V V Y O C 1-2 580 85/625 55 85 1/12 2 3 1.75 F Countylimitsapply
FHA Streamline No Ratio N V V O R 1-2 580 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 1-2 580 1/6 2 3 1.75 F No appr no credit qual
Refer to program guidelines for restrictions. Not available for correspondent transactions.
Pacific Union Financial LLC NATION WIDE except: HI
800-809-0421 www.pacificunionfinancial.com
FHAStdConf/HB Full V V V Y O P 1-4 620 96.5/815 620 96.5/1223 0/12 2 1 3 3 1.75 B
FHASpecConf Full V V V Y O P 1-4 560 90/815 580 96.5/815 0/12 2 1 3 3 1.75 F High-balanceallowed
FHAR/TSpecConf Full V V V Y O R 1-4 560 90/815 580 97.75/815 0/12 2 1 3 3 1.75 F
FHACash-outSpec Full V V V Y O C 1-4 560 75/815 600 80/815 0/12 2 1 3 3 1.75 F Seecash-outguidelines
FHA Cred Qual Strm Full V V V Y OVN R 1-4 560 90/815 620 0/12 2 1 3 F Non-cred qual strm allowed
VAConforming Full V V V Y O P 1-4 560 100/424 620 100/424 100 1/12 2 1 2 B SeeVAhigh-balguidelines
VA IRRRL Spec Conf No Ratio N V V OVN R 1-4 100/424 100/1200 100 0.50 B
USDA Full V V V Y O P 1 581 100/424 50 100 0/12 3 1 3 2.75 F Streamlined-assistallowed
FHA/VA/USDA min. FICO 560; minimal trade lines accepted, manufactured housing, FHA/VA/USDA manual U/ W.
Plaza Home Mortgage Inc. NATIONWIDE
858-346-1208 www.plazahomemortgage.com
FHA Full V V V Y O P 1-4 580 96.5/801 50 100 0/12 2 1 3 1.75 B Backtoworkavailable
FHA203(k) Full V V V Y O PR 1-4 620 97.75/424 640 97.75/636 100 0/12 2 1 3 1.75 F Bothlimited&standard
FHAStream NoRatio N V V O R 1-4 620 97.75/801 125 0/12 2 1 3 1.75 F Withoutappraisal
VA Full V V V Y O PR 1-4 620 100/801 60 100 0/12 2 1 2 B ManualU/Wavailable
VAJumbo Full V V V Y O PR 1 660 100/1094 640 100/700 45 100 0/12 7 7 7 B
VA Cash-out Full V V V Y O C 1-4 620 100/801 60 100 0/12 2 1 2 B Cash-out > $500 to 95% LTV
VA IRRRL No Ratio N V V Y O R 1-4 640 125/801 620 100/417 0/12 2 2 2 F 105% LTV with AVM or 2055
USDA Full V V V Y O PR 1-4 620 100/417 41 100 0/12 3 3 3 F DTI:FollowGUS
We understand that every client is unique and requires a product that meets their specific needs. That’s why we offer a diverse range of purchase and refinance conventional and government loan programs, all under one roof.
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
