Personal Guaranty
Form of Personal Guaranty used on business-purpose / investor loans (typically DSCR). Executed by the members, partners, or stockholders of a borrower entity to jointly and severally guarantee all obligations under the loan agreement, note, mortgage, and related loan documents.
Encompass Plan Codes
Investor product detail reference for ICE Mortgage Technology Encompass. Provides Encompass plan code IDs and corresponding MAXEX investor plan codes with loan type, lien position, amortization, term, IO period, ARM cap structure, floor basis, and rounding rules for every MAXEX product.
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 Oct. 5, 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 October 5, 2026.
DocMagic Plan Codes
MAXEX-to-DocMagic plan code crosswalk for document preparation. Maps every MAXEX product line (Conforming, Jumbo, Jumbo Express, Sustainable, Non-QM, Non-QM Select 5, DSCR, DSCR Select 5) across fixed-rate, SOFR ARM (5/6, 7/6, 10/6), and 10-year interest-only variations.
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.
