One Underwrite DU Approve/Eligible; LP Accept/Eligible

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1 One Underwrite DU Approve/Eligible; LP Accept/Eligible 620 FICO 3 4 unit property excluded FNMA/FHLMC Conventional FNMA HomeReady TM Mortgage; HomeStyle Renovation; HomeStyle Energy Mortgage FHLMC Home Possible Mortgage; Home Possible Advantage Mortgage DTI ; Cooperative; Per DU/LP 1-2 Unit Per DU/LP Per DU/LP FHFA High Balance Detached single family unit including Planned Unit Development (PUD), detached (Site) Condominium 97% 95% FHFA High Balance Per DU/LP ; Co-ops; ; Per DU/LP ; Co-ops; 85% ; FHFA High Balance 680 DTI Per DU/LP Non-Warrantable Condominium Projects Purchase ; Co-ops; ARMs with initial fixed term < 5 years; Balloon Mortgages; Attached Condominium 680/45% ; Balloon Mortgages; Unless specifically excluded from this version of Radian s guidelines or subsequent, corresponding Radian Announcement, future FNMA or FHLMC guideline changes are likewise eligible for One Underwrite concurrent with their FNMA or FHLMC announced effective dates. See following page for DU Approve/Ineligible, LP Accept/Ineligible Eligibility Matrices One Underwrite / DU Approve/Eligible; LP Accept/Eligible

2 One Underwrite DU Approve/Ineligible; LP Accept/Ineligible Ineligible Findings for: Cash-out LTVs 95.01% 97% LTVs to 97% for ARMs with initial minimum fixed period of 3 years or greater 620 FICO 2 4 unit property; excluded ; Cooperative 97% FHFA High Balance DTI ; Purchase Rate/Term Refinance Per DU/LP Temporary Buy downs > 95% Cash-out Refinance 85% 720/45% Per DU/LP Attached Condominium 85% 680 DTI per DU/LP Non-Warrantable Condominium Projects Purchase 680/45% ARMs with initial fixed term < 5 years; Balloon Mortgages; Balloon Mortgages; Unless specifically excluded from this version of Radian s guidelines or subsequent, corresponding Radian Announcement, future FNMA or FHLMC guideline changes are likewise eligible for One Underwrite concurrent with their FNMA or FHLMC announced effective dates. See following page for Eligibility Matrices One Underwrite / DU Approve/Ineligible; LP Accept/Ineligible

3 One Underwrite DU Approve/Ineligible; LP Accept/Ineligible Ineligible findings for: LTVs 95.01% 97% LTVs to 97% for ARMs with initial minimum fixed period of 3 years or greater 620 FICO 2 4 unit property; excluded Detached single family unit including Planned Unit Development (PUD), detached (Site) Condominium 97% DTI FHFA High Balance Per DU/LP Per DU/LP Unless specifically excluded from this version of Radian s guidelines or subsequent, corresponding Radian Announcement, future FNMA or FHLMC guideline changes are likewise eligible for One Underwrite concurrent with their FNMA or FHLMC announced effective dates. Eligibility Matrices One Underwrite / DU Approve/Ineligible; LP Accept/Ineligible

4 Loans that do not meet One Underwrite eligibility Standard Conforming General exclusions for properties located in Guam: LTVs > Purchase, Rate/Term Refinance Loan amounts > $417,000 New Construction/Construction-to-Permanent 12 month commitment Non-warrantable condominium projects, cooperatives, and planned unit developments DTI ; Cooperative 97% 680/45% Temporary Buy downs > 95% LTV; Balloon Mortgages 95% ARMs with initial fixed term < 1 year ARMs with initial fixed term < 6 months 660/45% ARMs with initial fixed term < 7 years; 2 Units 95% $533,850; AK & HI $800,775 ARMs; ; Cooperative Cash-out Refinance 85% 740/45% 720/45% ; Attached Condominium Non-Warrantable Condominium Projects Purchase 680/45% ; ARMs with initial fixed term < 1 year; Balloon Mortgages See following page for Eligibility Matrices Standard Conforming

5 ; Cooperative Loans that do not meet One Underwrite eligibility Standard Conforming Non-warrantable condominium projects, cooperatives, and planned unit developments 85% DTI 700/45% ARMs with initial fixed term < 6 months; 85% 720/45% Cooperatives; ARMs with initial fixed term < 5 years; Balloon Mortgages; See following page for Eligibility Matrices Standard Conforming

6 Loans that do not meet One Underwrite eligibility Standard Conforming New Construction/Construction-to-Permanent Cash-out Refinance Non-Traditional Credit Non-warrantable condominium projects, cooperatives, and planned unit developments 95% DTI 660/45% ARMs with initial fixed term < 1 year; 720/45% Eligibility Matrices Standard Conforming

7 Loans that do not meet One Underwrite eligibility (FHFA designated high cost areas) Standard FHFA High Balance s Non-traditional Credit GSE non-warrantable condominium, cooperatives and planned unit development projects ; Cooperative Not to exceed FHFA High Cost Limits DTI 660/45% ARMs with initial fixed term < 1 year Not to exceed FHFA High Cost Limits 660/45% ARMs with initial fixed term < 1 year; Temporary Buy downs Areas designated as high cost and their corresponding maximum loan limits can be located on the FHFA website. Eligibility Matrices Standard FHFA High Balance

8 Standard Affordable Housing; Housing Finance Agencies (HFAs); Federal Home Loan Banks (FHLBs) Loans that do not meet One Underwrite eligibility 3 4 Units Properties in Guam GSE non-warrantable condominium, cooperatives and planned unit development projects 97%/105% DTI 680/45% ARMs with initial fixed term < 5 years; Temporary Buy downs > 95%; Balloon Mortgages 95%/105% 660/45% ARMs with initial fixed term < 5 years Cooperative 97%/97% 680/45% 95%/95% 660/45% ARMs; Balloon Mortgages; ARMs with initial fixed term < 5 years; 95%/95% 680/45% ARMs with initial fixed term < 7 years; 2 Units 95%/105% $533,850 AK & HI $800, /45% ARMs; Note: requirements for and compliance with income limits and/or Homebuyers Education/Counseling are the responsibility of the Lender or Investor. Eligibility Matrices Standard Affordable Housing; Housing Finance Agencies (HFAs); Federal Home Loan Banks (FHLBs)

9 Medical Professional Program Medical Doctor (MD, DO, OD, DPM) Dentist (DDS, DMD) Actively practicing medical doctors, dentist or dental surgeons, physician assistants, medical teaching professors with at least 60% of earnings coming from an active medical practice, OR newly licensed medical residents who are currently employed or are in residency, OR newly licensed medical, dentists or dental students who are about to begin their new employment/residency within 90 days of closing. All s 3% minimum contribution 97% LTV 5% minimum contribution 95% LTV contribution from occupant borrower own funds required. Balloon Mortgages Non-Traditional Credit Temporary Buy downs AUS document waivers ARMs with initial fixed term < 3 years Non-warrantable condominium projects, cooperatives, and planned unit developments Student Loans Student loans payments documented as deferred at least 12 months are excluded from Debt to Income Ratio. (PUD) Condominiums; Cooperatives* * Cooperatives limited to New York City and the five boroughs; New Jersey counties of Bergen, Essex, Hudson, Passaic, Union, Middlesex; and Washington DC. 97% $417,000 95% $650,000 $850,000 DTI 700/43% 95% $850, /43% Eligibility Matrices Medical Professional Program

10 Non-Agency Jumbo AUS Document Waivers $650,000 For Non-Agency Jumbo loans with a valid DU Approve Credit Recommendation or LP Accept Credit Response follow the respective Agency documentation requirements for employment, income, and assets. Follow Radian Standard for all other loans. All s 5% minimum contribution from occupant borrower own funds required. Non-Traditional Credit Balloon Mortgages < 15 years ARMS with initial fixed period < 3 years Non-warrantable condominium projects, cooperatives; and planned unit developments DTI (PUD); Condominium; Cooperatives 95% $650,000 $850,000 Purchase Rate/Term Refinance 700/45% $650, /45% (PUD); Condominium 95% $650,000 $850, /45% ; $650, /45% Eligibility Matrices Non-Agency Jumbo

11 Super Jumbo All s 5% minimum contribution from occupant borrower own funds required. Cooperatives Balloon Mortgages Non-Traditional Credit Temporary Buy downs Non-Occupant Co-borrowers ARMs with initial fixed term < 3 years Attached Condominiums > $850,000 GSE non-warrantable condominium projects, and planned unit developments DTI Detached/Attached Condominium 95% $850,000 (PUD) 95% $850,000 $1,250,000 85% $1,500, /43% (PUD); Condominium $850, /43% Eligibility Matrices Super Jumbo

12 Non-Prime Credit s GSE non-warrantable condominium and planned unit development projects, co-operatives LTV DTI 95% ARMs 680/41% ARMs with initial fixed term < 5 years Eligibility Matrices Non-Prime Credit

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