VA & IRRRL
VA & IRRRL Features
Highlights*
UPDATE: Due to COVID-19, our VA Matrices have changed. Please view our Product Updates for more details.
- Up to 100% LTV for IRRRLs & purchases, up to 90% for cash out
- Min FICO 640
- Loan amounts to $1 million
- DTI up to 65% LTV with approve eligible
- No tradelines OK with AUS
- Refer/Eligible manual UW OK
- W2 & Paystub only
- FTHB allowed
- No monthly mortgage insurance
- Gift donor bank statements not required
- IRRRL: Manual underwriting | Mortgage only credit report with score OK | No income verification | No AVM / No appraisals required | Conforming loan amounts & High balance | Max LTV to 105% using AVM value | Non-owner & 2nd Home OK
* See product matrices for all details | Products subject to change without notice.
UPDATE: Due to COVID-19, our VA Matrices have changed. Please view our Product Updates for more details.
- Up to 100% LTV
- Min FICO 640
- Loan amounts to $1 million
- DTI up to 65% LTV with approve eligible
- No tradelines OK with AUS
- Refer/Eligible manual UW OK
- W2 & Paystub only
- FTHB allowed
- No monthly mortgage insurance
- Gift donor bank statements not required
- IRRRL: Manual underwriting | Mortgage only credit report with score OK | No income verification | No AVM / No appraisals required | Conforming loan amounts & High balance | Max LTV to 105% using AVM value | Non-owner & 2nd Home OK
* See product matrices for all details | Products subject to change without notice.
