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Program Guidelines & Checklists

Stephanie Oginni
  • Updated

Checklists

Submission Checklists Loan Compliance Checklists
Conventional Submission Checklist Bank Statements Evaluation Request Form
FHA Submission Checklist Initial CD Request Checklist
VA Submission Checklist Power of Attorney (POA) Checklist
USDA Submission Checklist HPML/HPCT Checklist
Non-Conforming Submission Checklist Texas 50(f)(2) Refinance Checklist
Non-QM Submission Checklist Texas 50(a)(6) Refinance Checklist
Second Lien Submission Checklist  

 

Program Resources

Product Webinars High LTV Agency & Government Product Comparison
Path to Recovery Rental Income Multiple Properties Matrix

 

 

Conforming Guidelines

Fannie Mae Conforming/High-Balance Home One
Freddie Mac Conforming/High-Balance Home Possible
Home Ready FNMA RefiNow
Affordable Lending Comparison  

 

Government Guidelines

FHA VA USDA
FHA VA Standard USDA
FHA Streamline VA IRRRL USDA Streamline Assist
FHA DPA Combo NEW! VA Handbook  
HUD Mortgagee Letters How to Read LES  
FHA Mortgagee Letter – Forbearance    
FHA Streamline Resources    

 

Non-Conforming Guidelines: Jumbo & Non-QM

Jumbo Non-QM DSCR
Jumbo Programs Comparison Non-QM Programs Comparison DSCR Programs Comparison
Jumbo Plus Balboa Non-Conforming Venice DSCR
Malibu Plus Carmel Non-Conforming DSCR Prime
Manhattan Plus Zuma Non-QM Newport DSCR - NEW
Monterey ITIN Non-QM Unlicensed LO Approved States
Monterey Declining List Limited Doc   
  Newport Non-Conforming - NEW  

 

Second Lien Guidelines

Closed End Second NEW! Prime Closed End Second

 

Specialty

Conforming CRA (Discontinued 11/11/2025)  

 

 

Calculators

Temporary Buydown Calculator Non-QM Asset Depletion Calculator NEW!
Rental Calculator Zuma Bank Statement Calculator
Rental Calculator (Multiple Properties) MGIC Calculator
Essent Income Calculator Impound Schedule
Essent RateFinder  

 

Program Training

Freddie Mac Home Possible

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