Alt-A Fixed & ARM
 
 
 
  General Guidelines
 
  Max LTV 95% (Full), 80% (Stated, SISA)
Declining markets - Max LTV/CLTV 90%
620 (Full), 640 (Stated), 660 (SISA)
OO, 2nd, NOO
Documentation: Full, Stated, SISA
15 & 30 yr Fixed; 3/1, 5/1, 7/1, 10/1 ARM
   
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  Rate & Price Comparisons*
 
  5.75% Rate
Pays (0.0492)% YSP*
740 FICO
80% LTV
Full Doc
Primary Residence
3/1 LIBOR ARM 		  6.375% Rate
Pays (0.3492)% YSP*
740 FICO
80% LTV
Full Doc
Primary Residence
30 Yr Fixed		   6.625% Rate
Pays (0.1263)% YSP*
740 FICO
80% LTV
Stated Doc
Primary Residence
30 Yr Fixed		   6.875% Rate
Pays (0.1744)% YSP*
740 FICO
80% LTV
SISA Doc
Primary Residence
30 Yr Fixed
 
*Scenarios based on Utah Property and 31 Jan 2008 rates. Your scenarios may vary from these examples. 
 

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  Legend
  OO=Owner Occupied
  NOO=Non Owner Occupied
  2nd=2nd Home
 YSP=Yield Spread Premium
LTV=Loan to Value
ARM=Adjustable Rate Mortgage
 LIBOR=London Interbank Offered Rate
FICO® score=Fair Isaac Corporation score or Beacon® score
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