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
Student Loan Matrix
Escrow Holdback Policy
High LTV Product Comparison
Residency Status Policy
Appraisal Transfer Policy and Letter
Conventional
Fannie Mae Selling Guide - February 6, 2019
AllRegs - Fannie Mae
Fannie Mae Eligibility Matrix
Fannie Mae Loan Lookup
Freddie Mac Selling Guide - February 6, 2019
AllRegs - Freddie Mac
Freddie Mac Doc Matrix
Freddie Mac Eligibility Matrix
Freddie Mac Loan Lookup
Conforming, Super Conforming, and High Balance LTV Matrix
2019 Agency Loan Limits
HomeOne vs Home Possible
HomeOne vs Fannie Mae Standard 97% LTV
Home Possible
Home Possible
Home Possible AMI Lookup
Home Possible Income Multiplier
HomeOne
HomeOne Matrix
HomeOne vs Home Possible
HomeOne vs Fannie Mae Standard 97% LTV
HomeReady
HomeReady Matrix
HomeReady Eligibility Map
Multiple Financed Properties 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 Approved Condo Questionnaire
FHA Streamline Loan Amount Calculator
VA
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 2019 & 2018 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 - Energy Markets - Exhibit 24
Supreme
Supreme Guidelines
Supreme Matrix
Supreme Declining Markets Index
Manufactured Homes
Manufactured Homes - Submission Checklist
Conventional Guidelines
Manufactured Housing - Underwriting Reminders
FHA Guidelines
VA Guidelines
VA IRRRL 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
Power Purchase Conventional Income Limits (LPA's AFTER to 10/25/2018)
Institute for Building Technology and Safety (IBTS)
Within Reach™
Within Reach™ - Lock Instructions
Conventional
About the Within Reach™ Conventional Program
Within Reach™ Conventional
Within Reach™ Conventional - Manufactured Housing
Within Reach™ Conventional Income Limits
Within Reach™ - Conventional Sample LE
Institute for Building Technology and Safety (IBTS)
Government
About the Within Reach™ Government Program
Within Reach™ - FHA
Within Reach™ FHA Guidelines Summary
Within Reach™ FHA Income and Mortgage Limits (December 31st, 2018 and prior)
Within Reach™ FHA Income and Mortgage Limits (January 1st, 2019 and after)
Within Reach™ FHA Submission Checklist
Within Reach™ FHA Sample LE
Institute for Building Technology and Safety (IBTS)
Within Reach™ - VA
Within Reach™ VA Guidelines Summary
Within Reach™ VA Income and Mortgage Limits (December 31st, 2018 and prior)
Within Reach™ VA Income and Mortgage Limits (January 1st, 2019 and after)
Within Reach™ VA Submission Checklist
Within Reach™ VA Sample LE
Institute for Building Technology and Safety (IBTS)
Within Reach™ - USDA
Within Reach™ USDA Guidelines Summary
USDA Income Limits
Within Reach™ USDA Submission Checklist
CalHFA & CalPLUS℠ (California)
CalHFA & CalPLUS℠ Origination Steps
CalHFA (California)
CalHFA FHA & Conventional Matrix (California)
CalHFA Conventional (California)
CalHFA Conventional Loan Program Handbook
CalHFA FHA (California)
CalHFA FHA Loan Program Handbook
CalPLUS℠ (California)
CalPLUS℠ Conventional/FHA Matrix
CalPLUS℠ Conventional (California)
CalPLUS℠ Conventional Loan Program Handbook
CalPLUS℠ FHA (California)
CalPLUS℠ FHA Loan Program Handbook
MyHome Assistance Program Handbook
Genworth Mortgage Insurance (Conventional only)
CalHFA & CalPLUS℠ Conventional & FHA Income Limits
CalHFA & CalPLUS℠ Loan Scenario Calculator
CalHFA & CalPLUS℠ FHA Submission Checklist
CalHFA & CalPLUS℠ Conventional Submission Checklist
CalHFA & CalPLUS℠ Loss Payee Clause
CalPLUS℠ - Zip Interest Rate Disclosure (if applicable)
CalHFA / CalPLUS℠ - Tax Return Affidavit (if applicable)
CalHFA / CalPLUS℠ Borrower's Affidavit & Cert
GSFA (California)
GSFA Platinum - Conventional Guidelines
GSFA - Conventional Income Limits
GSFA Platinum - FHA Guidelines
GSFA - FHA Income Limits
MCC Tax Credit Program
MCC Tax Credit Matrix
MCC Submission Checklist
MCC County Lookup
MCC Income Limits
Expanded Products (Non-QM)
Expanded Products (Non-QM) Submission Checklist
Expanded File Flow
Hobby Farm Guidelines
Flex
Flex Guidelines
Flex "A+" Matrix
Flex "A" Matrix
Flex "A-" Matrix
Flex "B" Matrix
Flex "C" Matrix (Recent Credit Event)
Flex Foreign National
Flex Investor Advantage
Flex Income Calculator
Peak / Peak Plus
Peak / Peak Plus Guidelines
Peak / Peak Plus - Product Comparison
Peak Plus - Full Documentation Matrix
Peak - Full Documentation Matrix
Select
Select Guidelines
Select 5/1 ARM - Product Comparison
Select Standard - 5/1 ARM
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
Alpine / Alpine Plus
Alpine / Alpine Plus Guidelines
Alpine Plus Matrix
Alpine Matrix
Alpine Guidelines - Investor
Alpine Investor Matrix
Alpine - Foreign National Matrix
Alpine / Alpine Plus Business Bank Statement Analysis
Alpine / Alpine Plus Personal Bank Statement Analysis
Trio - Lease to Own Program
Trio - Guidelines
Trio - Matrix
Trio – Workflow
Trio FAQ's
Trio - Webinar