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.

Guidelines and Matrices

Underwriting Overlay Matrix
Tax Transcript Policy
W2 Transcript Matrix
Student Loan Matrix
High LTV Product Comparison
Conventional
Fannie Mae Selling Guide - October 31, 2017
Freddie Mac Selling Guide - October 18, 2017
Conforming, Super Conforming, and High Balance LTV Matrix
Property Inspection Waiver Policy
2017 Agency Loan Limits
Home Possible
Home Possible
Home Possible Advantage
Home Possible AMI Lookup
Home Possible Income Multiplier
HomeReady
HomeReady Matrix
HomeReady Eligibility Map
Multiple Financed Properties Matrix
HARP Matrix
Government
FHA
FHA Fixed Matrix
FHA Mortgage Limits
FHA Streamline Matrix
4000.1 PDF
4000.1 Online
FHA FAQ Preview
FHA FAQ
FHA Approved Condo Lookup
FHA Streamline Loan Amount Calculator
203(k)
203(k) Program - Standard & Limited
203(k) Matrix - Standard Vs. Limited
Renovation Loan Program
VA
VA Standard Conforming and High Balance - Matrix and Guidelines
VA IRRRL Matrix and Guidelines
VA Lender's Handbook
Certificate of Eligibility
Appraiser Fee Schedule
VA 2017 & 2016 County Loan Limits
Guaranty Calculation Example
USDA
Guidelines
USDA Standard - Purchase & Refinance Matrix
USDA Streamline Refinance Matrix
USDA Income Limits
Non-Conforming/Jumbo
Elite
Elite Guidelines
Elite Matrix
Premier
Premier Guidelines
Premier - Market Classifications
Premier - Value Based Median Home Price Classification (Exhibit 4)
Premier - Energy Markets - Exhibit 24
Supreme
Supreme Guidelines
Supreme Matrix
Supreme Declining Markets Index
Manufactured
Conventional Guidelines
Manufactured Housing - Underwriting Reminders
FHA Guidelines
VA Guidelines
Institute for Building Technology and Safety (IBTS)
Down Payment Assistance Programs
Down Payment Assistance Comparison Matrix
Down Payment Assistance Comparison (Snapshot)
Down Payment Assistance Comparison Matrix - Manufactured Homes
Down Payment Assistance Comparison - Manufactured Homes (Snapshot)
Power Purchase
Power Purchase Conventional
Power Purchase Conventional - Manufactured Housing
Home Possible AMI Lookup
Institute for Building Technology and Safety (IBTS)
Within Reach™
Within Reach™ - Lock Instructions
Conventional
Within Reach™ Conventional
Within Reach™ Conventional - Manufactured Housing
Home Possible AMI Lookup
Within Reach™ Conventional Income Limits
Institute for Building Technology and Safety (IBTS)
Government
Within Reach™ FHA Guidelines Summary
Within Reach™ FHA Income and Mortgage Limits
Within Reach™ VA Guidelines Summary
Within Reach™ VA Income and Mortgage Limits
Within Reach™ USDA Guidelines Summary
USDA Income Limits
Institute for Building Technology and Safety (IBTS)
CalPLUS℠
CalHFA Origination Steps
CalPLUS℠ Conventional/FHA Matrix
CalHFA Conventional & FHA Income Limits
CalHFA Loan Scenario Calculator
CalPLUS℠ Conventional
CalPLUS℠ Conventional Loan Program Handbook
MyHome Assistance Program Handbook
CalPLUS℠ Conventional Submission Checklist
Genworth Mortgage Insurance
CalPLUS℠ FHA
CalPLUS℠ FHA Loan Program
MyHome Assistance Program Handbook
CalPLUS℠ FHA Submission Checklist
Mortgage Credit Certificate (MCC)
CalHFA MCC Program Income Limits
CalHFA MCC Sales Price Limits
CalHFA Loss Payee Clause
Expanded Niche
Expanded File Flow
Hobby Farm Guidelines
Flex
Flex Guidelines
Flex "A+" Matrix
Flex "A" Matrix
Flex "A-" Matrix
Flex "B+" Matrix
Flex "B" Matrix
Flex "C" Matrix (Recent Credit Event)
Flex "A" Investment Matrix
Flex "A-" Investment Matrix
Flex First Time Investor Matrix
Flex Income Calculator
Peak / Peak Plus
Peak / Peak Plus Guidelines
Peak / Peak Plus - Product Comparison
Peak Plus - Full Documentation Matrix
Peak Plus - Alternative Documentation Matrix (24 Months Bank Statements)
Peak - Alternative Documentation Matrix (24 Months Bank Statements)
Peak Plus - 24 Months Bank Statements Calculation Worksheet
Select
Select Guidelines
Select 5/1 ARM - Product Comparison
Select Standard - 5/1 ARM Matrix
Select 24 Month Bank Statements - 5/1 ARM Matrix
Select 12 Month Bank Statements - 5/1 ARM Matrix
Select Lite - 5/1 ARM Matrix
Select Asset Depletion - 5/1 ARM Matrix