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.
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.
