Residential Rates & LTVs

"Full Doc" Program

Effective   11/30/2001

PROPERTY
TYPE		 CREDIT
SCORE		 LTV CLTV DOWN
PMNT		 RATE GIFT
FUNDS		 

	

	

	

	

	

   

   

	

	

	

	

	

	

   

   

	

	

	

	

	

	

   

   

	

	

	

	

	

	

   

   

	Single Family O/O
	620+
	100%
	100%
	0%
	8.50%+
	-----
   

   

	And
    600-619
	95-100%
	95-100%
	0-5%
	8.50%+
	Yes
   

   

	2-4 Units O/O
	551-599
	90-95%
	95%
	5%
	8.75%+
	No
   



   

	

	520-550
	80-90%
	95%
	5%
	10.00%+
	No
   

   

	

	450+
	80%
	80%
	20%
	11.00%+
	No
   


   

	

	

	

	

	

	

   

   

	

	

	

	

	

	

   

   

	

	

	

	

	

	

   

   

	

	

	

	

	

	

   

   

	

	

	

	

	

	

   

   

	

	

	

	

	

	

   

   

	

	

	

	

	

	

   

   

	

	

	

	

	

	

   

   

	

	

	

	

	

	

   

   

	

	

	

	

	

	

   



   

	1-4 Units
	620+
	90%
	95%
	5%
	7.50%+
	No
   

   

	N/O/O
	600-619
	85%
	95%
	5%
	8.50%+
	No
   

   

	

	551-599
	75-85%
	95%
	5%
	9.50%+
	Possible
   

   

	

	520-550
	65%
	95%
	5%
	10.00%+
	Possible
   



   

	

	

	

	

	

	

   

   

	

	

	

	

	

	

   

   

	

	

	

	

	

	

   

   

	

	

	

	

	

	

   

   

	

	

	

	

	

	

   

   

	

	

	

	

	

	

   

   

	

	

	

	

	

	

   

   

	

	

	

	

	

	

   
   

	

	

	

	

	

	

   

   

	

	

	

	

	

	

   



   

	5-25 Units
	590+
	75%
	20%
	5%
	9.75%+
	No
   

   

	Storefronts w/ Apts,
	570-589
	75%
	20%
	5%
	10.75%+
	No
   

   

	Small Commercial,
	550-569
	70%
	25%
	5%
	11.75%+
	No
   

   

	Small Office, Funeral,
	

	

	

	

	

   

   

	Bed & Breakfast
	

	

	

	

	

   

   

	

	

	

	

	

	

   

   

	

	

	

	

	

	

   

   

	

	

	

	

	

	

   

   

	

	

	

	

	

	

   

   

	

	

	

	

	

	

   

   

	

	

	

	

	

	

   

   

	

	

	

	

	

	

   

   

	

	

	

	

	

	

   

   

	

	

	

	

	

	

   














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