JUMBO LOANS MATRIX
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Effective Date: 3/4/2019

Transaction Type

Min FICO

# of Units

Loan Amount

Max LTV/ CLTV/ HCLTV3,7

Max DTI

Primary Residence

Purchase

760

1

Up to $1,000,000

90%4,5

36%

Purchase & Rate/Term Refinance

700

1-2 Unit

Up to $1,500,000

80%1

43%

$1,500,001 - $1,750,000

75%

$1,750,001 - $2,000,000

70%

$2,000,001 - $2,500,000

65%

$2,500,001 - $3,000,000

60%

Cash Out Refinance2

700

1 Unit

Up to $1,000,000

80%

$1,000,001 - $1,500,000

75%

$1,500,001 - $2,000,000

70%

Second Home

Purchase & Rate/Term Refinance

720

1 Unit

Up to $1,000,000

80%

43%

$1,000,001 - $1,500,000

75%

$1,500,001 - $1,750,000

70%

$1,750,001 - $2,000,000

65%

Investment Properties6

Purchase & Rate/Term Refinance

760

1-2 Unit

Up to $1,000,000

60%

43%

Max 85% CLTV for Rate & Term refinances when re-subordinating existing 2nd lien.

Max Cash Outamount:

  • LTV > 60% - Primary: $350,000
  • LTV between 50.01% - 60% - Primary: $500,000
  • LTV ≤ 50% - Primary: $750,000

New subordinate financing is not allowed. Existing subordinate financing may be re-subordinated.

30 Year Fixed Only when LTV > 80%

Max LTV/CLTV/HCLTV for First Time Homebuyers is 85%

Investment property co-ops are ineligible.

LTV/CLTV/HCLTV is reduced by 10% if the subject property acreage is greater than 20 acres.

PRODUCT CODES

LOAN LIMITS

ARM CAPS

Click here to view all Product Codes.

Click here to view Loan Limits.

Click here to view ARM CAPS, Margin and Index.




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