Insignia I Matrix — FundLoans
Jumbo Loan Program
Effective Date: Not specified | Version not specified
Insignia I — Primary Purchase
Maximum LTVs by Loan Amount and Credit Score
| Loan Amount |
Min FICO |
Max LTV |
Reserve (months) |
Max DTI |
Max C/O |
Property Types Allowed |
| $647,200 - $1,000,000 |
680 |
89.99% |
12 |
43% |
na |
SFD, SFA, PUD, Coop, Condo |
| $647,200 - $1,000,000 |
660 |
80.00% |
6 |
43% |
na |
SFD, SFA, PUD, Coop, Condo |
| $1,000,000 - $1,500,000 |
680 |
89.99% |
12 |
43% |
na |
SFD, SFA, PUD, Coop, Condo |
| $1,000,000 - $1,500,000 |
660 |
80.00% |
6 |
43% |
na |
SFD, SFA, PUD, Coop, Condo |
| $1,500,000 - $2,000,000 |
680 |
89.99% |
12 |
43% |
na |
SFD, SFA, PUD, Coop, Condo |
| $1,500,000 - $2,000,000 |
660 |
80.00% |
6 |
43% |
na |
SFD, SFA, PUD, Coop, Condo |
| $2,000,000 - $2,500,000 |
720 |
80.00% |
12 |
43% |
na |
SFD, SFA, PUD, Coop, Condo |
| $2,500,000 - $3,000,000 |
740 |
80.00% |
18 |
43% |
na |
SFD, SFA, PUD, Coop, Condo |
| $647,200 - $1,000,000 |
700 |
80.00% |
6 |
43% |
na |
2 unit, 3 unit, 4 unit |
| $1,000,000 - $1,500,000 |
700 |
80.00% |
6 |
43% |
na |
2 unit, 3 unit, 4 unit |
| $1,500,000 - $2,000,000 |
700 |
80.00% |
6 |
43% |
na |
2 unit, 3 unit, 4 unit |
Loan Products Available — Primary Purchase
| Loan Amount |
Min FICO |
Max LTV |
30F |
15F |
5/6 ARM |
7/6 ARM |
10/6 ARM |
| $647,200 - $1,000,000 |
680 |
89.99% |
✓ |
✗ |
✗ |
✗ |
✗ |
| $647,200 - $1,000,000 |
660 |
80.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $1,000,000 - $1,500,000 |
680 |
89.99% |
✓ |
✗ |
✗ |
✗ |
✗ |
| $1,000,000 - $1,500,000 |
660 |
80.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $1,500,000 - $2,000,000 |
680 |
89.99% |
✓ |
✗ |
✗ |
✗ |
✗ |
| $1,500,000 - $2,000,000 |
660 |
80.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $2,000,000 - $2,500,000 |
720 |
80.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $2,500,000 - $3,000,000 |
740 |
80.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $647,200 - $1,000,000 |
700 |
80.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $1,000,000 - $1,500,000 |
700 |
80.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $1,500,000 - $2,000,000 |
700 |
80.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
Insignia I — Primary Rate/Term
Maximum LTVs by Loan Amount and Credit Score
| Loan Amount |
Min FICO |
Max LTV |
Reserve (months) |
Max DTI |
Max C/O |
Property Types Allowed |
| $647,200 - $1,000,000 |
680 |
89.99% |
12 |
43% |
na |
SFD, SFA, PUD, Coop, Condo |
| $647,200 - $1,000,000 |
660 |
80.00% |
6 |
43% |
na |
SFD, SFA, PUD, Coop, Condo |
| $1,000,000 - $1,500,000 |
680 |
89.99% |
12 |
43% |
na |
SFD, SFA, PUD, Coop, Condo |
| $1,000,000 - $1,500,000 |
660 |
80.00% |
6 |
43% |
na |
SFD, SFA, PUD, Coop, Condo |
| $1,500,000 - $2,000,000 |
680 |
89.99% |
12 |
43% |
na |
SFD, SFA, PUD, Coop, Condo |
| $1,500,000 - $2,000,000 |
660 |
80.00% |
6 |
43% |
na |
SFD, SFA, PUD, Coop, Condo |
| $2,000,000 - $2,500,000 |
720 |
80.00% |
12 |
43% |
na |
SFD, SFA, PUD, Coop, Condo |
| $2,500,000 - $3,000,000 |
740 |
80.00% |
18 |
43% |
na |
SFD, SFA, PUD, Coop, Condo |
| $647,200 - $1,000,000 |
700 |
80.00% |
6 |
43% |
na |
2 unit, 3 unit, 4 unit |
| $1,000,000 - $1,500,000 |
700 |
80.00% |
6 |
43% |
na |
2 unit, 3 unit, 4 unit |
| $1,500,000 - $2,000,000 |
700 |
80.00% |
6 |
43% |
na |
2 unit, 3 unit, 4 unit |
Loan Products Available — Primary Rate/Term
| Loan Amount |
Min FICO |
Max LTV |
30F |
15F |
5/6 ARM |
7/6 ARM |
10/6 ARM |
| $647,200 - $1,000,000 |
680 |
89.99% |
✓ |
✗ |
✗ |
✗ |
✗ |
| $647,200 - $1,000,000 |
660 |
80.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $1,000,000 - $1,500,000 |
680 |
89.99% |
✓ |
✗ |
✗ |
✗ |
✗ |
| $1,000,000 - $1,500,000 |
660 |
80.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $1,500,000 - $2,000,000 |
680 |
89.99% |
✓ |
✗ |
✗ |
✗ |
✗ |
| $1,500,000 - $2,000,000 |
660 |
80.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $2,000,000 - $2,500,000 |
720 |
80.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $2,500,000 - $3,000,000 |
740 |
80.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $647,200 - $1,000,000 |
700 |
80.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $1,000,000 - $1,500,000 |
700 |
80.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $1,500,000 - $2,000,000 |
700 |
80.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
Insignia I — Primary Cash Out
Maximum LTVs by Loan Amount and Credit Score
| Loan Amount |
Min FICO |
Max LTV |
Reserve (months) |
Max DTI |
Max C/O |
Property Types Allowed |
| $647,200 - $1,000,000 |
740 |
89.99% |
12 |
43% |
$500,000 |
SFD, SFA, PUD, Coop, Condo |
| $647,200 - $1,000,000 |
680 |
80.00% |
6 |
43% |
$500,000 |
SFD, SFA, PUD, Coop, Condo |
| $1,000,000 - $1,500,000 |
740 |
89.99% |
12 |
43% |
$500,000 |
SFD, SFA, PUD, Coop, Condo |
| $1,000,000 - $1,500,000 |
680 |
80.00% |
6 |
43% |
$500,000 |
SFD, SFA, PUD, Coop, Condo |
| $1,500,000 - $2,000,000 |
740 |
89.99% |
12 |
43% |
$500,000 |
SFD, SFA, PUD, Coop, Condo |
| $1,500,000 - $2,000,000 |
680 |
80.00% |
6 |
43% |
$500,000 |
SFD, SFA, PUD, Coop, Condo |
| $2,000,000 - $2,500,000 |
740 |
80.00% |
18 |
43% |
$500,000 |
SFD, SFA, PUD, Coop, Condo |
| $2,500,000 - $3,000,000 |
740 |
80.00% |
18 |
43% |
$500,000 |
SFD, SFA, PUD, Coop, Condo |
| $647,200 - $1,000,000 |
700 |
75.00% |
6 |
43% |
$500,000 |
2 unit, 3 unit, 4 unit |
| $1,000,000 - $1,500,000 |
700 |
75.00% |
6 |
43% |
$500,000 |
2 unit, 3 unit, 4 unit |
| $1,500,000 - $2,000,000 |
700 |
75.00% |
6 |
43% |
$500,000 |
2 unit, 3 unit, 4 unit |
Loan Products Available — Primary Cash Out
| Loan Amount |
Min FICO |
Max LTV |
30F |
15F |
5/6 ARM |
7/6 ARM |
10/6 ARM |
| $647,200 - $1,000,000 |
740 |
89.99% |
✓ |
✗ |
✗ |
✗ |
✗ |
| $647,200 - $1,000,000 |
680 |
80.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $1,000,000 - $1,500,000 |
740 |
89.99% |
✓ |
✗ |
✗ |
✗ |
✗ |
| $1,000,000 - $1,500,000 |
680 |
80.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $1,500,000 - $2,000,000 |
740 |
89.99% |
✓ |
✗ |
✗ |
✗ |
✗ |
| $1,500,000 - $2,000,000 |
680 |
80.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $2,000,000 - $2,500,000 |
740 |
80.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $2,500,000 - $3,000,000 |
740 |
80.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $647,200 - $1,000,000 |
700 |
75.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $1,000,000 - $1,500,000 |
700 |
75.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $1,500,000 - $2,000,000 |
700 |
75.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
Insignia I — Second Home Purchase
Maximum LTVs by Loan Amount and Credit Score
| Loan Amount |
Min FICO |
Max LTV |
Reserve (months) |
Max DTI |
Max C/O |
Property Types Allowed |
| $647,200 - $1,000,000 |
680 |
89.99% |
12 |
43% |
na |
SFD, SFA, PUD, Coop, Condo |
| $647,200 - $1,000,000 |
660 |
80.00% |
6 |
43% |
na |
SFD, SFA, PUD, Coop, Condo |
| $1,000,000 - $1,500,000 |
680 |
89.99% |
12 |
43% |
na |
SFD, SFA, PUD, Coop, Condo |
| $1,000,000 - $1,500,000 |
660 |
80.00% |
6 |
43% |
na |
SFD, SFA, PUD, Coop, Condo |
| $1,500,000 - $2,000,000 |
680 |
89.99% |
12 |
43% |
na |
SFD, SFA, PUD, Coop, Condo |
| $1,500,000 - $2,000,000 |
660 |
80.00% |
6 |
43% |
na |
SFD, SFA, PUD, Coop, Condo |
| $2,000,000 - $2,500,000 |
720 |
80.00% |
12 |
43% |
na |
SFD, SFA, PUD, Coop, Condo |
| $2,500,000 - $3,000,000 |
740 |
80.00% |
18 |
43% |
na |
SFD, SFA, PUD, Coop, Condo |
Loan Products Available — Second Home Purchase
| Loan Amount |
Min FICO |
Max LTV |
30F |
15F |
5/6 ARM |
7/6 ARM |
10/6 ARM |
| $647,200 - $1,000,000 |
680 |
89.99% |
✓ |
✗ |
✗ |
✗ |
✗ |
| $647,200 - $1,000,000 |
660 |
80.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $1,000,000 - $1,500,000 |
680 |
89.99% |
✓ |
✗ |
✗ |
✗ |
✗ |
| $1,000,000 - $1,500,000 |
660 |
80.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $1,500,000 - $2,000,000 |
680 |
89.99% |
✓ |
✗ |
✗ |
✗ |
✗ |
| $1,500,000 - $2,000,000 |
660 |
80.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $2,000,000 - $2,500,000 |
720 |
80.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $2,500,000 - $3,000,000 |
740 |
80.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
Insignia I — Second Home Rate/Term
Maximum LTVs by Loan Amount and Credit Score
| Loan Amount |
Min FICO |
Max LTV |
Reserve (months) |
Max DTI |
Max C/O |
Property Types Allowed |
| $647,200 - $1,000,000 |
680 |
89.99% |
12 |
43% |
na |
SFD, SFA, PUD, Coop, Condo |
| $647,200 - $1,000,000 |
660 |
80.00% |
6 |
43% |
na |
SFD, SFA, PUD, Coop, Condo |
| $1,000,000 - $1,500,000 |
680 |
89.99% |
12 |
43% |
na |
SFD, SFA, PUD, Coop, Condo |
| $1,000,000 - $1,500,000 |
660 |
80.00% |
6 |
43% |
na |
SFD, SFA, PUD, Coop, Condo |
| $1,500,000 - $2,000,000 |
680 |
89.99% |
12 |
43% |
na |
SFD, SFA, PUD, Coop, Condo |
| $1,500,000 - $2,000,000 |
660 |
80.00% |
6 |
43% |
na |
SFD, SFA, PUD, Coop, Condo |
| $2,000,000 - $2,500,000 |
720 |
80.00% |
12 |
43% |
na |
SFD, SFA, PUD, Coop, Condo |
| $2,500,000 - $3,000,000 |
740 |
80.00% |
18 |
43% |
na |
SFD, SFA, PUD, Coop, Condo |
Loan Products Available — Second Home Rate/Term
| Loan Amount |
Min FICO |
Max LTV |
30F |
15F |
5/6 ARM |
7/6 ARM |
10/6 ARM |
| $647,200 - $1,000,000 |
680 |
89.99% |
✓ |
✗ |
✗ |
✗ |
✗ |
| $647,200 - $1,000,000 |
660 |
80.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $1,000,000 - $1,500,000 |
680 |
89.99% |
✓ |
✗ |
✗ |
✗ |
✗ |
| $1,000,000 - $1,500,000 |
660 |
80.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $1,500,000 - $2,000,000 |
680 |
89.99% |
✓ |
✗ |
✗ |
✗ |
✗ |
| $1,500,000 - $2,000,000 |
660 |
80.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $2,000,000 - $2,500,000 |
720 |
80.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $2,500,000 - $3,000,000 |
740 |
80.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
Insignia I — Second Home Cash Out
Maximum LTVs by Loan Amount and Credit Score
| Loan Amount |
Min FICO |
Max LTV |
Reserve (months) |
Max DTI |
Max C/O |
Property Types Allowed |
| $647,200 - $1,000,000 |
700 |
75.00% |
12 |
43% |
$350,000 |
SFD, SFA, PUD, Coop, Condo |
| $1,000,000 - $1,500,000 |
700 |
75.00% |
12 |
43% |
$350,000 |
SFD, SFA, PUD, Coop, Condo |
| $1,500,000 - $2,000,000 |
700 |
75.00% |
12 |
43% |
$350,000 |
SFD, SFA, PUD, Coop, Condo |
| $2,000,000 - $2,500,000 |
740 |
75.00% |
18 |
43% |
$350,000 |
SFD, SFA, PUD, Coop, Condo |
| $2,500,000 - $3,000,000 |
740 |
75.00% |
18 |
43% |
$350,000 |
SFD, SFA, PUD, Coop, Condo |
Loan Products Available — Second Home Cash Out
| Loan Amount |
Min FICO |
Max LTV |
30F |
15F |
5/6 ARM |
7/6 ARM |
10/6 ARM |
| $647,200 - $1,000,000 |
700 |
75.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $1,000,000 - $1,500,000 |
700 |
75.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $1,500,000 - $2,000,000 |
700 |
75.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $2,000,000 - $2,500,000 |
740 |
75.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $2,500,000 - $3,000,000 |
740 |
75.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
Insignia I — Investment Purchase
Maximum LTVs by Loan Amount and Credit Score
| Loan Amount |
Min FICO |
Max LTV |
Reserve (months) |
Max DTI |
Max C/O |
Property Types Allowed |
| $647,200 - $1,000,000 |
680 |
80.00% |
12 |
43% |
na |
SFD, SFA, PUD, Condo |
| $647,200 - $1,000,000 |
660 |
70.00% |
12 |
43% |
na |
SFD, SFA, PUD, Condo |
| $1,000,000 - $1,500,000 |
680 |
80.00% |
12 |
43% |
na |
SFD, SFA, PUD, Condo |
| $1,000,000 - $1,500,000 |
660 |
70.00% |
12 |
43% |
na |
SFD, SFA, PUD, Condo |
| $1,500,000 - $2,000,000 |
680 |
80.00% |
12 |
43% |
na |
SFD, SFA, PUD, Condo |
| $1,500,000 - $2,000,000 |
660 |
70.00% |
12 |
43% |
na |
SFD, SFA, PUD, Condo |
| $2,000,000 - $2,500,000 |
720 |
75.00% |
12 |
43% |
na |
SFD, SFA, PUD, Condo |
| $647,200 - $1,000,000 |
680 |
75.00% |
12 |
43% |
na |
2 unit, 3 unit, 4 unit |
| $647,200 - $1,000,000 |
660 |
65.00% |
12 |
43% |
na |
2 unit, 3 unit, 4 unit |
| $1,000,000 - $1,500,000 |
680 |
75.00% |
12 |
43% |
na |
2 unit, 3 unit, 4 unit |
| $1,000,000 - $1,500,000 |
660 |
65.00% |
12 |
43% |
na |
2 unit, 3 unit, 4 unit |
| $1,500,000 - $2,000,000 |
680 |
75.00% |
12 |
43% |
na |
2 unit, 3 unit, 4 unit |
| $1,500,000 - $2,000,000 |
660 |
65.00% |
12 |
43% |
na |
2 unit, 3 unit, 4 unit |
| $2,000,000 - $2,500,000 |
720 |
70.00% |
12 |
43% |
na |
2 unit, 3 unit, 4 unit |
Loan Products Available — Investment Purchase
| Loan Amount |
Min FICO |
Max LTV |
30F |
15F |
5/6 ARM |
7/6 ARM |
10/6 ARM |
| $647,200 - $1,000,000 |
680 |
80.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $647,200 - $1,000,000 |
660 |
70.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $1,000,000 - $1,500,000 |
680 |
80.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $1,000,000 - $1,500,000 |
660 |
70.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $1,500,000 - $2,000,000 |
680 |
80.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $1,500,000 - $2,000,000 |
660 |
70.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $2,000,000 - $2,500,000 |
720 |
75.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $647,200 - $1,000,000 |
680 |
75.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $647,200 - $1,000,000 |
660 |
65.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $1,000,000 - $1,500,000 |
680 |
75.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $1,000,000 - $1,500,000 |
660 |
65.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $1,500,000 - $2,000,000 |
680 |
75.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $1,500,000 - $2,000,000 |
660 |
65.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $2,000,000 - $2,500,000 |
720 |
70.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
Insignia I — Investment Rate/Term
Maximum LTVs by Loan Amount and Credit Score
| Loan Amount |
Min FICO |
Max LTV |
Reserve (months) |
Max DTI |
Max C/O |
Property Types Allowed |
| $647,200 - $1,000,000 |
680 |
80.00% |
12 |
43% |
na |
SFD, SFA, PUD, Condo |
| $647,200 - $1,000,000 |
660 |
70.00% |
12 |
43% |
na |
SFD, SFA, PUD, Condo |
| $1,000,000 - $1,500,000 |
680 |
80.00% |
12 |
43% |
na |
SFD, SFA, PUD, Condo |
| $1,000,000 - $1,500,000 |
660 |
70.00% |
12 |
43% |
na |
SFD, SFA, PUD, Condo |
| $1,500,000 - $2,000,000 |
680 |
80.00% |
12 |
43% |
na |
SFD, SFA, PUD, Condo |
| $1,500,000 - $2,000,000 |
660 |
70.00% |
12 |
43% |
na |
SFD, SFA, PUD, Condo |
| $2,000,000 - $2,500,000 |
720 |
75.00% |
12 |
43% |
na |
SFD, SFA, PUD, Condo |
| $647,200 - $1,000,000 |
680 |
75.00% |
12 |
43% |
na |
2 unit, 3 unit, 4 unit |
| $647,200 - $1,000,000 |
660 |
65.00% |
12 |
43% |
na |
2 unit, 3 unit, 4 unit |
| $1,000,000 - $1,500,000 |
680 |
75.00% |
12 |
43% |
na |
2 unit, 3 unit, 4 unit |
| $1,000,000 - $1,500,000 |
660 |
65.00% |
12 |
43% |
na |
2 unit, 3 unit, 4 unit |
| $1,500,000 - $2,000,000 |
680 |
75.00% |
12 |
43% |
na |
2 unit, 3 unit, 4 unit |
| $1,500,000 - $2,000,000 |
660 |
65.00% |
12 |
43% |
na |
2 unit, 3 unit, 4 unit |
| $2,000,000 - $2,500,000 |
720 |
70.00% |
12 |
43% |
na |
2 unit, 3 unit, 4 unit |
Loan Products Available — Investment Rate/Term
| Loan Amount |
Min FICO |
Max LTV |
30F |
15F |
5/6 ARM |
7/6 ARM |
10/6 ARM |
| $647,200 - $1,000,000 |
680 |
80.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $647,200 - $1,000,000 |
660 |
70.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $1,000,000 - $1,500,000 |
680 |
80.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $1,000,000 - $1,500,000 |
660 |
70.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $1,500,000 - $2,000,000 |
680 |
80.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $1,500,000 - $2,000,000 |
660 |
70.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $2,000,000 - $2,500,000 |
720 |
75.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $647,200 - $1,000,000 |
680 |
75.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $647,200 - $1,000,000 |
660 |
65.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $1,000,000 - $1,500,000 |
680 |
75.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $1,000,000 - $1,500,000 |
660 |
65.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $1,500,000 - $2,000,000 |
680 |
75.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $1,500,000 - $2,000,000 |
660 |
65.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $2,000,000 - $2,500,000 |
720 |
70.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
Insignia I — Investment Cash Out
Maximum LTVs by Loan Amount and Credit Score
| Loan Amount |
Min FICO |
Max LTV |
Reserve (months) |
Max DTI |
Max C/O |
Property Types Allowed |
| $647,200 - $1,000,000 |
680 |
75.00% |
12 |
43% |
$350,000 |
SFD, SFA, PUD, Condo |
| $1,000,000 - $1,500,000 |
720 |
75.00% |
12 |
43% |
$350,000 |
SFD, SFA, PUD, Condo |
| $1,000,000 - $1,500,000 |
680 |
70.00% |
12 |
43% |
$350,000 |
SFD, SFA, PUD, Condo |
| $1,500,000 - $2,000,000 |
720 |
75.00% |
12 |
43% |
$350,000 |
SFD, SFA, PUD, Condo |
| $1,500,000 - $2,000,000 |
680 |
70.00% |
12 |
43% |
$350,000 |
SFD, SFA, PUD, Condo |
| $647,200 - $1,000,000 |
680 |
70.00% |
12 |
43% |
$350,000 |
2 unit, 3 unit, 4 unit |
| $1,000,000 - $1,500,000 |
720 |
70.00% |
12 |
43% |
$350,000 |
2 unit, 3 unit, 4 unit |
| $1,000,000 - $1,500,000 |
680 |
65.00% |
12 |
43% |
$350,000 |
2 unit, 3 unit, 4 unit |
| $1,500,000 - $2,000,000 |
720 |
70.00% |
12 |
43% |
$350,000 |
2 unit, 3 unit, 4 unit |
| $1,500,000 - $2,000,000 |
680 |
65.00% |
12 |
43% |
$350,000 |
2 unit, 3 unit, 4 unit |
Loan Products Available — Investment Cash Out
| Loan Amount |
Min FICO |
Max LTV |
30F |
15F |
5/6 ARM |
7/6 ARM |
10/6 ARM |
| $647,200 - $1,000,000 |
680 |
75.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $1,000,000 - $1,500,000 |
720 |
75.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $1,000,000 - $1,500,000 |
680 |
70.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $1,500,000 - $2,000,000 |
720 |
75.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $1,500,000 - $2,000,000 |
680 |
70.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $647,200 - $1,000,000 |
680 |
70.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $1,000,000 - $1,500,000 |
720 |
70.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $1,000,000 - $1,500,000 |
680 |
65.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $1,500,000 - $2,000,000 |
720 |
70.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $1,500,000 - $2,000,000 |
680 |
65.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
Insignia I — Primary Purchase FTHB (First-Time Homebuyer)
Maximum LTVs by Loan Amount and Credit Score
| Loan Amount |
Min FICO |
Max LTV |
Reserve (months) |
Max DTI |
Max C/O |
Property Types Allowed |
| $647,200 - $1,000,000 |
660 |
80.00% |
12 |
43% |
na |
SFD, SFA, PUD, Coop, Condo |
| $1,000,000 - $1,500,000 |
660 |
80.00% |
12 |
43% |
na |
SFD, SFA, PUD, Coop, Condo |
| $647,200 - $1,000,000 |
700 |
75.00% |
12 |
43% |
na |
2 unit, 3 unit, 4 unit |
| $1,000,000 - $1,500,000 |
700 |
75.00% |
12 |
43% |
na |
2 unit, 3 unit, 4 unit |
Loan Products Available — Primary Purchase FTHB
| Loan Amount |
Min FICO |
Max LTV |
30F |
15F |
5/6 ARM |
7/6 ARM |
10/6 ARM |
| $647,200 - $1,000,000 |
660 |
80.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $1,000,000 - $1,500,000 |
660 |
80.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $647,200 - $1,000,000 |
700 |
75.00% |
✓ |
✓ |
✓ |
✓ |
✓ |
| $1,000,000 - $1,500,000 |
700 |
75.00% |
✓ |
✓ |
✓ |
✓ |
✓ |