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Conforming ARM
(The 6012 Loan Program)


Qualifying Scenario Examples*

	Scenario 1 * 620 FICO 95% LTV Full Primary Residence 3/1 Libor ARM	Scenario 2* 660 FICO 90% LTV Full Primary Residence 5/1 Libor ARM	Scenario 3* 660 FICO 90% LTV Full Primary Residence 10/1 Treasury ARM	Scenario 4* 620 FICO 95% LTV Full Primary Residence 7/1 Libor ARM

*Other scenarios may qualify.



	6012: General Guidelines
	15 & 30 Year Terms
	Conforming Loan Limit
	Up to 95% LTV; 90% LTV w/sub fin; 95% TLTV; 100 HTLTV
	1-4 units, PUDs, Low and High-Rise Condo
	1 Yr, 3/1, 5/1, 7/1, & 10/1 ARMs
	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 CLTV=Combined Loan to Value AUS=Automated Underwriting System PUD=Planned Unit Development	ARM=Adjustable Rate Mortgage YSP=Yield Spread Premium PPP=Pre Payment Penalty LIBOR=London Interbank Offered Rate	OO=Owner Occupied NOO=Non Owner Occupied 2nd=2nd Home FICO® score=Fair Isaac Corporation score or Beacon® score

6012: General Guidelines

15 & 30 Year Terms

Conforming Loan Limit

Up to 95% LTV; 90% LTV w/sub fin; 95% TLTV; 100 HTLTV

1-4 units, PUDs, Low and High-Rise Condo

1 Yr, 3/1, 5/1, 7/1, & 10/1 ARMs

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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Conforming ARM (The 6012 Loan Program)

Conforming ARM
(The 6012 Loan Program)