FLEXIBLE FULL DOC PROGRAM

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QUICK FACTS

• Combine with Asset Depletion for Qualifying
• Interest Only Option
• Loan Amounts from $200,000 to $2.0 Million
• LTV up to 80% on Purchase and Refinance
• DTI up to 50% with 720 FICO
• Available on Primary, Second & Investment Properties
• 30-Year Fixed Rate Term
• Cash-Out up to $500K
• 100% Gift Funds OK!

REQUIREMENTS

• Min 680 FICO Required
• Max Cash Out LTV 75%
• Must Qualify at Fully Amortized Principal & Interest Payment
• 2 Full Appraisals Required > $1.5 MM Refinance or > $2.0 MM Purchase
• Full Doc and Asset Qualifier Combo OK!
• Reserves of 6 Months Required < $1 MM, 12 Months Required >$1 MM
• 2 Years of Full Income Documentation Required
• Restricted Stock Options as Income  - OK!

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Powerful options make qualifying your borrower easier when using our Select Standard Jumbo program.  We accept FICO scores as low as 680 and LTV’s up to 80% on Purchases and Refinances.  And while our generous maximum 50% DTI ratio can make a big difference, some borrowers need a little bit more qualifying power.  Borrowers with high liquid assets can layer our Asset Qualifier doc type in combination with Full Doc.  If you are looking for a high LTV, look to the Select Non-Conforming Jumbo with 85% LTV and loan amounts to $2.0Million.  If your borrower does not have the minimum tradelines required or a bit light on post-closing reserves, check out the Select Streamline.  Select Streamline follows DU findings for credit, income, and reserves.  The Select Suite of products are worth your consideration.  Contact your Account Executive for more details and eligibility today.

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