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Matrix: FHA / VA / Government
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Caliber Home Loans Inc. NATIONWIDE
www.caliberhomeloans.com
FHA Conf Fixed Full V V V OVN PRC 1-4 600
96.5/424 620
97.75/424 125 F Subject to AUS approval
FHA Conf ARM Full V V V OVN PRC 1-4 600
97.75/424 125 A Subject to AUS approval
FHA HB Fixed Full V V V OVN PRC 1-4 600
97.75/636 125 F Subject to AUS approval
FHA HB ARM Full V V V OVN PRC 1-4 600
97.75/625 125 A Subject to AUS approval
VA Fixed & ARM Full V V V OVN PRC 1-4 600 105/424 105 B Subject to AUS approval
VA HB Fixed Full V V V OVN PRC 1-4 600 105/636 105 B Subject to AUS approval
VA HB ARM Full V V V OVN PRC 1-4 600 105/636 105 A Subject to AUS approval
USDA Full V V V Y O PR 1 620 105/424 600
105
105 F Subject to AUS approval
Caliber Home Loans Inc. is a full-service national mortgage lender & agency direct seller/servicer. It originates loans through various channels and transaction types, all specializing in loan programs for purchase & refi:
conforming, jumbo & government loans. NMLS# 15622
Carrington Mortgage Services LLC NATION WIDE except: MA ND
866-453-2400 www.carringtonwholesale.com
FHAStandard Full V V V Y O P 1-4 500 90/801 55 0/12 2 2 3 1.75 B Countylimitsapply
FHAStandard Full V V V Y O R 1-4 500 90/801 55 0/12 2 2 3 1.75 B Countylimitsapply
FHAStandard Full V V V Y O C 1 500 85/533 55 0/12 2 2 3 1.75 B Countylimitsapply
FHAHighBal Full V V V Y O P 1-4 500 90/1000 43 0/12 2 2 3 1.75 B Countylimitsapply
FHAHighBal Full V V V Y O R 1-4 500 90/1000 43 0/12 2 2 3 1.75 B Countylimitsapply
FHAHighBal Full V V V Y O C 1 625 85/500 43 0/12 2 2 3 1.75 B Countylimitsapply
Streamline No Ratio N V V Y ON R 1-4 500 125/801 43 125 1/12 1.75 County limits apply
VA Full V V V Y O P 1-4 500 100/1094 55 125 0/12 2 1 3 B Countylimitsapply
VA IRRRL Full V V V Y ON R 1-4 125/700 55 125 0/12 2 1 3 B Credit score no min.
203(k) Full V V V Y O P 1 500 90/417 49 90 0/12 2 2 3 F Countylimitsapply
FHAStandard Full V V V Y O P 1-4 580
96.5/801 55 0/12 2 2 3 1.75 B Countylimitsapply
FHAStandard Full V V V Y O R 1-4 580
97.75/801 55 0/12 2 2 3 1.75 B Countylimitsapply
FHAStandard Full V V V Y O C 1 580 85/533 55 0/12 2 2 3 1.75 B Countylimitsapply
FHA High Bal Full V V V Y O P 1-4 580
96.5/1000 43 0/12 2 2 3 1.75 B County limits apply
FHA High Bal Full V V V Y O R 1-4 580
97.75/1000 43 0/12 2 2 3 1.75 B County limits apply
FHA High Bal Full V V V Y O C 1 580 85/800 43 0/12 2 2 3 1.75 B County limits apply
Streamline No Ratio N V V O R 1-4 580
125.75/801 43 125 0/12 1.75 B County limits apply
VA Full V V V Y O P 1-4 580 100/1094 50 0/12 2 1 2 B Countylimitsapply
VAIRRRL Full V V V Y O R 1 580 125/700 41 125 0/12 2 1 2 B Countylimitsapply
$100Down Full V V V Y O P 1 580 100/417 43 100 0/12 2 1 2 F Countylimitsapply
203(k) Full V V V Y O P 1 580
96.5/417 49 96. 5 0/12 2 2 2 F Countylimitsapply
Expanded guidelines FHA/VA to FICO 500, FHA/VA - non-traditional credit OK. Manufactured homes may be eligible. Government & conventional loans. F THB overlays removed.
DPA accepted. Online submission, updates, text via BrokerIQ.
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: 2018 Fannie Mae/Freddie Mac loan limits: 1 = $453, 100; 2 = $580, 150; 3 = $701,250; 4 = $871,450
(AK, Guam, HI & U.S. Virgin Islands = 50% higher)
All parameters on each line are used in combination
with one another — each line represents a specific
loan scenario or credit grade
FICO%/$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
