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Loan Programs

CONFORMING FIXED RATE PROGRAMS
(15 AND 30 YEAR)
$227,150 Maximum Loan Amount
1st Time Homebuyer - 97% LTV
Purchase & No Cash Refinance - 95% LTV
Cash Out Refinance - 80%
Non-Owner Occupied
Purchase & No Cash Out Refinance - 90%
Cash Out Refinance - 65%
(Home Improvement Only)
(Condo/Agency 1 Only)

JUMBO FIXED RATE
(15 AND 30 YEAR)
Purchase to $300,000 - 95% LTV
Purchase & No Cash Out Refi:
To $400,000 - 90% LTV
To $500,000 - 85% LTV
To $650,000 - 80% LTV
To $1,000,000 - 75% LTV
Cash Out Refinance:
To $650,000 - 80% LTV
To $1,000,000 - 75% LTV
Purchase / Refinance:
To $300,000 - 80% LTV
To $400,000 - 70% LTV

CONFORMING BALLOON PROGRAMS
(5/25 AND7/23)
$227,150 Maximum Loan Amount
5 Year - Purchase and No
Cash Out Refinance - 80% LTV
Cash Out Refinance - 75% LTV
(If home improvement - 80%)
7 Year - Purchase and No
Cash Out Refinance - 90% LTV
Cash Out Refinance - 70% LTV
Agency 1 - 75%
Agency 2 (home inprovement) - 90%
Non-Owner Occupied Not Available

10/1, 7/1, 5/1, 3/1
ARM PROGRAM
Purchase to $300,000 - 95% LTV
Purchase & No Cash Out Refi:
To $400,000 - 90% LTV
To $500,000 - 85% LTV
To $650,000 - 80% LTV
To $1,000,000 - 75% LTV
Cash Out Refinance:
To $650,000 - 80% LTV
To $1,000,000 - 75% LTV
Non-Owner Purchase & No Cash Refi:
To $300,000 - 80% LTV
To $650,000 - 65% LTV

NEGATIVE AMORTIZTION ADJUSTABLE
(COFI, TREASURY, CD, ETC.)
Purchase to $300,000 - 95% LTV
Purchase & No Cash Out Refi:
To $400,000 - 90% LTV
To $500,000 - 85% LTV
To $700,000 - 80% LTV
To $1,000,000 - 75% LTV
Cash Out Refinance:
To $650,000 - 80% LTV
To $1,000,000 - 75% LTV
Non-Owner Purchase & No Cash Refi:
To $700,000 - 80% LTV
ARM PROGRAM
1 YEAR
6 MONTH
Purchase to $300,000 - 95% LTV
Purchase & No Cash Out Refi:
To $400,000 - 90% LTV
To $500,000 - 85% LTV
To $700,000 - 80% LTV
To $1,000,000 - 75% LTV
Cash Out Refinance:
To $650,000 - 80% LTV
To $1,000,000 - 75% LTV
Non-Owner Purchase & No Cash Refi:
To $700,000 - 80% LTV