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No MI (Mortgage Insurance) Loan
(The 6138 Loan Program)


Qualifying Scenario Examples*

	Scenario 1 * 660 FICO 90% LTV Full Primary Residence 15 Yr Fixed	Scenario 2* 680 FICO 90% LTV Full Primary Residence 15 Yr Fixed	Scenario 3* 660 FICO 90% LTV Full Primary Residence 30 Yr Fixed	Scenario 4* 680 FICO 80% LTV Full Investment 30 Yr Fixed

*Other scenarios may qualify.



	6138: General Guidelines
	Max LTV/ CLTV 90%
	Min FICO® Determined by AUS
	Conforming Loan Limit
	1-2 units, Condos, PUDS
	Full Documentation
	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 MI=Mortgage Insurance	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

6138: General Guidelines

Max LTV/ CLTV 90%

Min FICO® Determined by AUS

Conforming Loan Limit

1-2 units, Condos, PUDS

Full Documentation

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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No MI (Mortgage Insurance) Loan (The 6138 Loan Program)

No MI (Mortgage Insurance) Loan
(The 6138 Loan Program)