- Owner occupied – up to 80% loan-to-value to $4M
- Non-owner occupied – Up to 75% Loan-to-value to $5M
- Single family residences 1-4, condos, and PUDs
- Seller minimum ownership seasoning: 6 months
- Minimum FICO score of 660
- No history of bankruptcy, foreclosure, short sale, charge-offs, or property tax events
- No mortgage late payments in the past 24 months
- Non-mortgage late payments: 1×30 in the past 12 months and 2×30 in the past 24 months
- With qualifying reserves, the debt-to-income ratio will not be calculated and employment is not required