Non-QM Select 5 Program Guide
Premium program combining Non-QM (1- and 2-yr full doc, personal/business bank statements, 1099, P&L, asset depletion) and DSCR underwriting. Two rate sheets: Non-QM Select 5 and DSCR Select 5. Effective for locks on or after Mar 16, 2026.
DSCR Program Guide
Debt Service Coverage Ratio program for experienced investors purchasing or refinancing business-purpose investment properties; borrower qualifies on subject-property cash flow only. Five rate sheets (DSCR 1, 2, 11, 13, 15). Effective for locks on or after Feb 9, 2026.
Sustainable Express Program Guide
Specialty program supporting clean/renewable-energy residential lending. Requires a verified Solar or Geothermal feature on the subject property; otherwise follows AUS (DU/LPA) and agency selling guide. One rate sheet: Sustainable Express 1. Effective for locks on or after Jan 5, 2026.
Non-QM Program Guide
Full-doc and alternative-doc Non-QM underwriting — personal and business bank statements, third-party P&L, 1099 statements, and written VOE. Four rate sheets (Non-QM 1, 2, 13, 15). Effective for locks on or after Feb 9, 2026.
Jumbo Express Program Guide
AUS-driven jumbo program for borrowers who exceed conforming loan limits but otherwise meet DU/LPA approval. Includes six rate-sheet matrices (Jumbo Express 1, 2, 4, 5, 6, 9). Effective for locks on or after Jan 5, 2026.
Conforming Program Guides
MAXEX requirements for agency-eligible loans (30-yr fixed) underwritten via Fannie Mae DU or Freddie Mac LPA. Covers eligible borrowers, property types, appraisal/CDA standards, state restrictions, and LTV/credit/DTI matrices for primary, second home, and investment occupancy. Effective for locks beginning Nov 18, 2024.
