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First Guaranty Mortgage Corporation NATIONWIDE except: AK NH SD
800-296-2275 whapeman@fgmc.com www.fgmcwholesale.com
Streamline SIVA S V V OVN PR 1-4 530 0/12 1.75 B Subject to county limits
203(b)&(c) Full V V V Y O PR 1-4 530 96. 5 96. 5 0/12 2 1 3 3 1.75 B Subjecttocountylimits
203(b)&(c) Full V V V Y O C 1-4 530 85 85 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
VA Full V V V Y O P 1-4 530 100 100 0/12 2 1 2 2.15 B Subjecttocountylimits
VA IRRRL NINA N V N OVN R 1-4 530 0/12 . 5 B Rebuttal presumption OK
203(k) Full V V V Y O PR 1-4 530 96. 5 96. 5 0/12 2 1 3 3 1.75 B Full/Streamlineavailable
1xClose Full V V V Y O P 1 530 96. 5 96. 5 0/12 2 1 3 3 1.75 B VAavailablealso
USDA Full V V V Y O PR 1 581 102 102 0/12 3 1 3 3 2.75 F RatiosperGUS
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.
Flagstar Bank NATIONWIDE
888-945-9872 www.flagstar.com/why
FHA Purch Full V V V Y O P 1-2 600 96. 5 0/12 2 1 3 3 1.75 B by county; DTI per AUS
FHA Purch Full V V V Y O P 3-4 620 96. 5 0/12 2 1 3 3 1.75 B by county; DTI per AUS
FHAStreamline Full V V V Y O R 1-2 580 100 97. 75 0/12 2 1 3 3 1.75 B $bycounty
FHA R/ T or Simple Full V V V Y O R 1-2 600 97. 75 97. 75 0/12 2 1 3 3 1.75 B by county; DTI per AUS
FHA Cash-out Full V V V Y O C 1 600 85 85 0/12 2 1 3 3 1.75 B by county; DTI per AUS
VA Full V V V Y O P 1-4 620 100 60 0/12 2 1 2 1 3. 30 B Loansupto$1Mavailable
VA Full V V V Y O C 1-2 620 100 60 150 0/12 2 1 2 1 3. 30 B Loansupto$1Mavailable
Rural Housing Full V V V Y O PR 1 620 100/424 41 0/12 3 1 3 3 1.00 F GUS accept or manual U/W
Top government lender, nationally. Let us craft a solution for you.
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.
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
