One Underwrite DU Approve/Eligible; LP Accept/Eligible Minimum 620 FICO 3 4 unit property excluded

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1 One Underwrite DU Approve/Eligible; LP Accept/Eligible 620 FICO 3 4 unit property excluded DTI Primary Residence; Second Home; Purchase; Rate/Term Refinance; Cash-out (Includes FNMA MyCommunityMortgage; FNMA HomeStyle Renovation mortgage; FHLMC Home Possible mortgage) Determined by DU/LP Detached single family unit FHFA High Balance Purchase 720 DTI Non-Warrantable Projects Primary Residence; Purchase Attached 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 For LTVs to 97% for Fixed Rate; or LTVs to 97% for ARMs with initial minimum fixed period of 5 years or greater 620 FICO 2 4 unit property excluded DTI Primary Residence Purchase; Rate/Term Refinance ; 97% FHFA High Balance Temporary Buy downs > Detached single family unit FHFA High Balance Second Home Purchase; Rate/Term Refinance, Purchase 720 DTI per DU/LP Non-Warrantable Projects Primary Residence; Purchase Attached Eligibility Matrices One Underwrite / DU Approve/Ineligible; LP Accept/Ineligible

3 Standard Conforming Loans that do not meet One Underwrite eligibility Guam LTVs > Purchase, Rate/Term Refinance Primary Residence New Construction/Construction-to-Permanent 12 month commitment Non-warrantable condominium projects Second Homes DTI 97% Temporary Buy downs > LTV; Balloon Mortgages ARMs with initial fixed term < 5 years 660/45% 2 Units Manufactured Housing Detached single family unit $533,850; AK & HI $800, /45% Primary Residence; Cash-out Refinance 720/45% Second Home; Purchase; Rate/Term Refinance ARMs; ARMs with initial fixed term < 7 years; Manufactured homes; ARMS; Attached, Purchase 720/45% Non-Warrantable Projects Primary Residence Purchase s; Balloon Mortgages Eligibility Matrices Standard Conforming

4 Standard FHFA High Balance (FHFA designated high cost areas) Loans that do not meet One Underwrite eligibility GSE non-warrantable condominium, co-operatives and planned unit development projects Non-traditional Credit DTI ; Not to exceed FHFA High Cost Limits ARMs with initial fixed term < 5 years Detached Single family unit Not to exceed FHFA High Cost Limits Manufactured homes; Temporary Buy downs Eligibility Matrices Standard FHFA High Balance

5 Standard Affordable Housing; Housing Finance Agencies (HFAs); Federal Home Loan Banks (FHLBs) Loans that do not meet One Underwrite eligibility GSE non-warrantable condominium, co-operatives and planned unit development projects Properties in Guam DTI 97%/105% Temporary Buy downs > ; Balloon Mortgages /105% 660/45% 97%/97% / 660/45% ARMs; Manufactured Housing / ARMs with initial fixed term < 7 years; 2 Units /105% $533,850 AK & HI $800, /45% ARMs; Eligibility Matrices Standard Affordable Housing; Housing Finance Agencies (HFAs); Federal Home Loan Banks (FHLBs)

6 Non-Agency Jumbo (Loan amounts exceeding FHFA designated High Cost areas) Document Waivers for s $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 Manufactured Housing ARMs with initial fixed term < 5 years Temporary Buy downs Balloon Mortgages < 15 years GSE non-warrantable condominium and planned unit development projects, co-operatives $650,000 $850,000 DTI $650,000 $850,000 Second Home Purchase; Rate/Term Refinance $650, /45% Eligibility Matrices Non-Agency Jumbo

7 Non-Prime Credit Second Homes Construction-to-Permanent 12 month commitment Manufactured Housing 2 4 Units GSE non-warrantable condominium and planned unit development projects, co-operatives LTV DTI ARMs 680/41% ARMs with initial fixed term < 5 years Eligibility Matrices Non-Prime Credit