Full documentation above the conforming ceiling, with twelve months of reserves. Fixed for thirty years or on a 10/6 ARM where the borrower has a horizon shorter than the loan.
Send the outline first on anything above three million. A ten-minute conversation is cheaper than an appraisal on a file that was never going to work.
Program highlights
Figures are the programme maximum at a glance. A file rarely qualifies at the maximum on two axes at once, and the guideline in force on the lock date governs. Nothing here is a commitment to lend.
Questions
No. This is a portfolio-style structure with no MI at any eligible LTV — that is usually the reason a borrower is here rather than in high balance.
Twelve months of the full payment, verified. Retirement accounts count at 60% of vested balance net of any loan against them.
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