Non-Conforming Conventional Mortgage Loan
(The 6115 Loan Program)
Qualifying Scenario Examples*
Scenario 1 *
700 FICO
90% LTV
Full Doc
Primary Residence
15 yr. Fixed
Scenario 2*
700 FICO
90% LTV
Full Doc
Primary Residence
30 yr. Fixed
Scenario 3*
700 FICO
80% LTV
Full Doc
Investment
15 yr. Fixed
Scenario 4*
700 FICO
80% LTV
Full Doc
Investment
30 yr. Fixed
*Other scenarios may qualify.
6115: General Guidelines
Fixed & ARM
700 Min FICO®
Max Loan $2,000,000
PUDs, Condo, 1-4 units
Max LTV 90%
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Product Guideline
Value Points!
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Legend
LTV=Loan to Value
PUD=Planned Unit Development
Stated=Stated Income Verified Assets
ARM=Adjustable Rate Mortgage
PPP=Pre Payment Penalty
OO=Owner Occupied
NOO=Non Owner Occupied
2nd=2nd Home
FICO
®
score=Fair Isaac Corporation score or Beacon
®
score
6115: General Guidelines
Fixed & ARM
700 Min FICO®
Max Loan $2,000,000
PUDs, Condo, 1-4 units
Max LTV 90%
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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