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100%
DOWN TO 580 CREDIT SCORE
Alt -
A Guidlelines.
580
Min Score
(gets upgrade to tier
3 as if it had a 620 score) |
620
Min Score |
Min Credit:
On the primary wage earner's file:
4 tradelines, each with a 24 month history (collections, charge-offs, presently 90-day,
etc. not applicable). Only one of these trades must be and show current activity
within the last 12 months. |
Min Credit:
On the primary wage earner's file:
4 tradelines, each with a 24 month history (collections, charge-offs, presently 90-day,
etc. not applicable). Only one of these trades must be and show current activity
within the last 12 months. |
Mortgage
0x30 |
Mortgage
0x30 |
Consumer
credit (last 12 months)
2x30 |
Not
Applicable |
Revolving
credit can not be more then 3 times applicant’s monthly income after loan is funded. |
Not
Applicable |
No
adverse credit in the past 12 months.
Items
considered 'Adverse': $1000 or larger -
non-medical collections, chg-offs, judgements, liens, delinq. prop. taxes, repos,
garnishments, accts currently 90+ dpd. |
Items
considered 'Adverse': $1000 or larger -
non-medical collections, chg-offs, judgements, liens, delinq. prop. taxes, repos,
garnishments, accts currently 90+ dpd. Must pay
adverse at or prior to close: any items (1) affecting title, (2) less than 12 months
old, (3) within the last 24 months with a collective total of $2500, (4) bring current any
accounts 90+ dpd. **No adverse credit allowed
within the last 24 months for 2nd-position approval.** |
VOR
from Prop Mgmt or Cancelled Checks
–
No Privates |
VOR
from Prop Mgmt or Cancelled Checks
–
No Privates |
Alt-A Borrowers 580-619 scores must
meet the following requirements for 100%
- Full doc only (no bank statements or stated)
- 4 tradelines w/ 24 months reviewed- can be open or
closed but not a collection or charge off. At least 1 open and active trade (no time
limit) within the last 12 months. First time home buyers need a 12 month rated
installment account (open or closed).
- Proof of residential payment history for the last
12 mo- no private VOR's.
Payment shock applies to first time home buyers (current rent
can no more than double the new PITI)
- No more than 2x30 on all consumer credit over the
past 12 months
- No collection or chargeoff over $1000 in past 24
months (medical excluded)
- Revolving balances must be no more than 3x the
gross monthly income
- Bankruptcy must be 3 yrs old, foreclosure must be
4 yrs old
Primary Residences only.
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Mortgage
Home Loan Investment Center 1