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Direct Community Mortgage Loan
(The 6120 Loan Program)


Qualifying Scenario Examples*

	Scenario 1 * 720 FICO 97% LTV Full Doc Primary Residence 30 Yr Fixed	Scenario 2* 700 FICO 97% LTV Full Doc Primary Residence 30 Yr Fixed	Scenario 3* 680 FICO 97% LTV Full Doc Primary Residence 30 Yr Fixed	Scenario 4* 680 FICO 80% LTV Full Doc Primary Residence 30 Yr Fixed

*Other scenarios may qualify.



	6120: General Guidelines
	Lower FICO
	Owner Occupied Only
	Max LTV 97%
	SFR, PUDs, Low and High-Rise Condo
	Significant Flexibility in Credit Guidelines
	View the entire Product Guideline

Value Points!

	Loan Choices™ with Predictive Analytics
	Instant E-Mail Notifications of Loan Status
	100% Electronic file submission
	On-line locks until midnight (PST)
	Personal Service
	Become Approved - Fill Out Form

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Legend
LTV=Loan to Value IO=Interest Only PUD=Planned Unit Development CLTV=Combined Loan to Value Stated=Stated Income Verify Assets	YSP=Yield Spread Premium PPP=Pre Payment Penalty AUS=Automated Underwriting System ARM=Adjustable Rate Mortgage SFR=Single Family Residence	OO=Owner Occupied NOO=Non Owner Occupied 2nd=2nd Home FICO® score=Fair Isaac Corporation score or Beacon® score

6120: General Guidelines

Lower FICO®

Owner Occupied Only

Max LTV 97%

SFR, PUDs, Low and High-Rise Condo

Significant Flexibility in Credit Guidelines

View the entire Product Guideline

Value Points!

  Loan Choices™ with Predictive Analytics

  Instant E-Mail Notifications of Loan Status

  100% Electronic file submission

  On-line locks until midnight (PST)

  Personal Service

  Become Approved - Fill Out Form


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Direct Community Mortgage Loan (The 6120 Loan Program)

Direct Community Mortgage Loan
(The 6120 Loan Program)