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Transcript

Loan Matching

VA

FHA

Conventional

Must Be Primary Residence

No DP Required

Min FICO 620

No Min FICO

DP of 3.5%Max LTV 96.5%

Funding Fee

No 2nd Homes

MIP Required

DTI 43% or Less

Must Be Primary Residence

DTI 45% or Less

2nd or Investment Allowed

DP of 3% or More

Acceptable COE

No 2nd Homes

FNMA Guidelines

Large DP to avoid PMI

Min FICO 500

FHA Streamline

No Manufactured

Current FHA Borrowers Only

Limited Documents

No Cash Out

No Appraisal

Condo does not need FHA approval

MIP Upfront Again

Lower Monthly Payment

Out of Pocket Closing Costs

Strict Rules

620 Min FICO

Faster Time to Close

CONS

PROS

VA IRRRL

Seasoned Loan

No Cash Out

No Minimum FICO

No Appraisal Needed

No Investment

New rate must beat least 0.5% lower

Limited Income Docs

0.5% Funding Fee

No Limit for DTI

No Manufactured

Lower Mortgage Payment

Are Assumable

CONS

PROS

30 Due in 12 Porfolio

Cumulative no morethan 1 million

No Manufactured

Balloon loan due in 12yrs

Lower Payment

Loan Max $700k

Fixed Rate

Conventional Purchase

Max 43% LTV

Conventional Refi

Not FNMA

Less Documents Required

1-4 Unit Investments

CONS

PROS

ARM

Increased Mortgage Payment

Short Term Ownership

DTI 49% or Lower

DP as low as 3%

Lower Initial Interest Rate

Unpredictable Interest Rates

30 Year Term Only

Fair or Better FICO

Potential Lack of Affordability

Possible Lower Payments

Standard MI Guidelines

5/1 or 7/6 Option

CONS

PROS

First Time Homebuyer Portfolio

Min FICO of 680

HomeownershipEducation Required

No 2+ Unit Homes

Max DTI 43%

Must be Primary

3% Down Payment

No FNMA LLPA's

Only 30 Year Option

Gift Funds Allowed

No Manufactured Homes

Cannot Own Home in last 3 Years

Reduced MI

CONS

PROS

Home Ready

80% of the areaMid income

Min FICO 620

Must be Primary

Gift Funds Allowed

Max DTI 50%

Must have 3% Down Payment

Mattress Money

Boarder Income not allowed on 2+ Units

Reduced MI

No Investment Properties

No FNMA LLPA's

HomeownershipEducation Required

CONS

PROS

Jumbo Fixed Rate

Max DTI 43%

$2 Million Max

No Manufactured Homes

Fixed Rate

No Gift Funds

Primary Home

LLPA's Apply

Min FICO 700

Secondary Home

No Investment Properties

Portfolio Product

Min 5% DP

CONS

PROS

Jumbo No MI

12 Month ReservesRequired

Min FICO 700

15, 20, 30 Year Terms

Non-Occupying Co-Borrower Allowed

No MI Due to 80% LTV

Min 5% DP

70% on Non-Liquid Assets

No Escrow Waver

Full Appraisal

No Cashout

Competitive interest rates

Max DTI 43%

CONS

PROS

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