Guidelines
Lending Programs

Guidelines & Matrices

Apex · Montage · Spectrum · Aspire / Aspire X · Insignia

Portfolio Guidelines

Master guidelines covering APEX, MONTAGE, and SPECTRUM programs

FundLoans Portfolio Guidelines

Portfolio Guidelines

portfolio-guidelines-v1.1.md

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Apex · Montage · Spectrum

Bank Statement / P&L (Apex), Full Doc (Montage), DSCR (Spectrum) matrices

Apex Matrix — FundLoans

Apex (Alt Doc)

apex-matrix-v1.1.md

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Montage Matrix — FundLoans

Montage (Full Doc)

montage-matrix-v1.1.md

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Spectrum DSCR Matrix — FundLoans

Spectrum (DSCR)

spectrum-matrix-v1.0.md

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Aspire · Aspire X

Standalone 2nd HELOAN — Aspire ($200K–$1M), Aspire X ($125K–$850K)

FundLoans Aspire Guidelines

Aspire (2nd Mortgage)

aspire-guidelines-v2.2.md

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FundLoans Aspire X Guidelines

Aspire X (2nd Mortgage)

aspire-x-guidelines-v3.6.md

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Aspire (2nd Mortgage) Matrix — FundLoans

Aspire (2nd Mortgage)

aspire-matrix.md

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Aspire X (2nd Mortgage) Matrix — FundLoans

Aspire X (2nd Mortgage)

aspire-x-matrix-v4.0.md

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Insignia

Jumbo Full Doc — six matrix tiers (I, II, III, V, VI, VIII)

FundLoans Insignia Guidelines

Insignia

insignia-guidelines.md

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Insignia I Matrix — FundLoans

Insignia

insignia-i-matrix.md

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Insignia II Matrix — FundLoans

Insignia

insignia-ii-matrix.md

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Insignia III Matrix — FundLoans

Insignia

insignia-iii-matrix.md

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Insignia V Matrix — FundLoans

Insignia

insignia-v-matrix.md

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Insignia VI Matrix — FundLoans

Insignia

insignia-vi-matrix.md

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Insignia VIII Matrix — FundLoans

Insignia

insignia-viii-matrix.md

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