Portfolio ARM Conforming & Jumbo Product Matrix

Portfolio Fixed Conforming and Jumbo Product Matrix

GEOGRAPHIC RESTRICTIONS: RIVERSIDE AND SAN BERNARDINO COUNTIES ONLY

Conforming PF30, PF15, Jumbo PF30J, PF15J

W-2 Borrowers Only
Primary Residence: Purchase
Property Type	Maximum LTV/CLTV/HCLTV (Max LTV 70% with subordinate financing)	Maximum Loan Amount	Minimum Loan Amount	Minimum FICO Score (720 Minimum FICO for FTHB)		Maximum DTI
1 Unit Only** 1-2 Units PUD Condo	90%**	$1,000,000	PF30 - $100,000 PF30J - $766,551 PF15 - $100,000 PF15J - $766,551	720		43%
	80%	$1,000,000		700		43%
	75%	$1,250,000		700		43%
	75%	$1,500,000		720		43%
	70%	$1,500,000		700		43%
Primary Residence: Rate and Term Refinance
Property Type	Maximum LTV/CLTV/HCLTV (Max LTV 70% with subordinate financing)	Maximum Loan Amount	Minimum Loan Amount	Minimum FICO Score		Maximum DTI
1 Unit Only** 1-2 Units PUD Condo	90%**	$1,000,000	PF30 - $100,000 PF30J - $766,551 PF15 - $100,000 PF15J - $766,551	720		43%
	80%	$1,000,000		700		43%
	75%	$1,250,000		700		43%
	75%	$1,500,000		720		43%
	70%	$1,500,000		700		43%
Primary Residence: Cash Out Refinance
Property Type	Maximum LTV/CLTV/HCLTV (Max LTV 70% with subordinate financing)	Maximum Loan Amount	Minimum Loan Amount	Maximum Cash Out	Minimum FICO Score	Maximum DTI
1 Unit PUD Condo	75%	$1,000,000	PF30 - $100,000 PF30J - $766,551 PF15 - $100,000 PF15J - $766,551	$250,000	720	43%
	70%	$1,250,000		$400,000	720	43%
	65%	$1,500,000		$500,000	720	43%
Second Home: Purchase/Rate and Term
Property Type	Maximum LTV/CLTV/HCLTV (Max LTV 70% with subordinate financing)	Maximum Loan Amount	Minimum Loan Amount	Maximum Cash Out	Minimum FICO Score	Maximum DTI
1 Unit PUD Condo	75%	$850,000	PF30 - $100,000 PF30J - $766,551 PF15 - $100,000 PF15J - $766,551	N/A	720	43%
	70%	$1,000,000		N/A	720	43%
	65%	$1,500,000		N/A	720	43%
Exceptions - There will be an additional cost to either the rate and/or fee for Exceptions. * Borrowers qualifying with only retirement income are considered W-2 Borrowers.

Self Employed Borrowers Only
Primary Residence: Purchase
Property Type	Maximum LTV/CLTV/HCLTV (Max LTV 70% with subordinate financing)	Maximum Loan Amount	Minimum Loan Amount	Minimum FICO Score (720 Minimum FICO for FTHB)		Maximum DTI
1 Unit Only** 1-2 Units PUD Condo	85%**	$1,000,000	PF30 - $100,000 PF30J - $766,551 PF15 - $100,000 PF15J - $766,551	720		43%
	75%	$1,000,000		700		43%
	70%	$1,250,000		700		43%
	70%	$1,500,000		720		43%
	65%	$1,500,000		700		43%
Primary Residence: Rate and Term Refinance
Property Type	Maximum LTV/CLTV/HCLTV (Max LTV 70% with subordinate financing)	Maximum Loan Amount	Minimum Loan Amount	Minimum FICO Score		Maximum DTI
1 Unit Only** 1-2 Units PUD Condo	85%**	$1,000,000	PF30 - $100,000 PF30J - $766,551 PF15 - $100,000 PF15J - $766,551	720		43%
	75%	$1,000,000		700		43%
	70%	$1,250,000		700		43%
	70%	$1,500,000		720		43%
	65%	$1,500,000		700		43%
Primary Residence: Cash Out Refinance
Property Type	Maximum LTV/CLTV/HCLTV	Maximum Loan Amount	Minimum Loan Amount	Maximum Cash Out	Minimum FICO Score	Maximum DTI
1 Unit PUD Condo	70%	$1,000,000	PF30 - $100,000 PF30J - $766,551 PF15 - $100,000 PF15J - $766,551	$250,000	720	43%
	65%	$1,250,000		$400,000	720	43%
	60%	$1,500,000		$500,000	720	43%
Second Home: Purchase/Rate and Term
Property Type	Maximum LTV/CLTV/HCLTV (Max LTV 70% with subordinate financing)	Maximum Loan Amount	Minimum Loan Amount	Maximum Cash Out	Minimum FICO Score	Maximum DTI
1 Unit PUD Condo	75%	$850,000	PF30 - $100,000 PF30J - $766,551 PF15 - $100,000 PF15J - $766,551	N/A	720	43%
	70%	$1,000,000		N/A	720	43%
	65%	$1,500,000		N/A	720	43%
Exceptions - There will be an additional cost to either the rate and/or fee for exceptions. * Borrowers qualifying with only retirement income are considered W-2 Borrowers.
GEOGRAPHIC RESTRICTIONS		Eligible Counties: Riverside San Bernardino		No Exceptions will be allowed.

Revised 02/22/2024