GUIDELINES AND MATRICES
We have developed this section as a resource to help you understand certain loan product restrictions and guidelines. We have also gathered some useful quick links to help with your day-to-day operations. Please contact your account representative if you have questions.
QUICK LINKS
- Loss Payee / Mortgagee Clause
- Turn Times
- Rate Lock Policy
- Affiliated Business Certification
- Borrower E-Sign Instructions
- Broker Compensation Change Request
- 2023 Agency Loan Limits
- 2022 Agency Loan Limits
- Fannie Mae Underwriting FAQ
- Fannie Mae Loan Lookup
- Freddie Mac Loan Lookup
- FHA Mortgage Limits
- FHA Mortgagee Letters
- Natural Disaster Affected Areas
- Requirements Regarding Properties Located in Designated Disaster Areas
- LDP
- GSA (Click “Search Records”)
- Payoff Demand Request
FHA Sponsor ID: 7245500008
VA ID: 9065230000
GUIDELINES AND MATRICES
- Underwriting Overlay Matrix
- Tax Transcript Policy
- Student Loan Matrix
- Escrow Holdback Policy
- Residency Status Policy
- Solar Panels Policy
- CO Detectors, Smoke Alarms, and Water Heater Requirements
-
-
- VA Standard Conforming and High Balance - Matrix and Guidelines
- VA IRRRL Matrix and Guidelines
- VA Fees and Charges the Veteran Can Pay
- VA Lender's Handbook
- VA Maximum Mortgage Worksheet
- Certificate of Eligibility
- Appraiser Fee Schedule
- Instructions ordering VA Appraisals
- VA County Loan Limits
- Guaranty Calculation Example
-
- Down Payment Assistance Comparison Matrix
- Down Payment Assistance Comparison (Snapshot)
- Down Payment Assistance Income Comparison
-
- Within Reach™ - Lock Instructions
-
- Within Reach™ FHA Guidelines Summary
- Within Reach™ - 2nd Loan Amount Calculator
- Within Reach™ FHA - Visual Aid (Entering Data into the 1003 and DU)
- Within Reach™ FHA - Deal Disqualifiers
- Within Reach™ - FHA Income Limits
- Within Reach™ Down Payment Assistance - FHA Submission Checklist (TPO Partner Disclosed)
- Within Reach™ Down Payment Assistance - FHA Submission Checklist (LHFS Disclosed)
- Within Reach™ FHA Sample LE
- Institute for Building Technology and Safety (IBTS)
- Within Reach™ Payoff Demand
- Trio / Link Programs

Please Note: FHA Spot Approvals not permitted.