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Conforming to $417,000 30-year Fixed Rate - Interest Only	Back to Program Guidelines
Program Guidelines - Updated: 12/10/2011

MAXIMUM LOAN-TO-VALUE				RISK-BASED ADD-ONS
MAXIMUM LOAN-TO-VALUE				(Added to Points, All Add-Ons are Cumulative)
PROPERTY TYPE	MAX LOAN AMOUNT	MAX LTV (1)	MAX CLTV (2)	FICO	LTV<=60%	LTV 60.01-70	LTV 70.01-75	LTV 75.01-80	LTV 80.01-85	LTV 85.01-90
PRIMARY RESIDENCE				FICO SCORE (3)
PURCHASE				(Loan Terms Greater Than 15 Years)
SFR/Condo	417,000	70	70	740+	0.000	0.000	n/a	n/a	n/a	n/a
NO CASH OUT REFINANCE				720-739	0.000	0.000	n/a	n/a	n/a	n/a
SFR/Condo	417,000	70	70	700-719	n/a	n/a	n/a	n/a	n/a	n/a
CASH OUT REFINANCE				680-699	n/a	n/a	n/a	n/a	n/a	n/a
SFR/Condo	417,000	N/A	N/A	660-679	n/a	n/a	n/a	n/a	n/a	n/a
SECOND HOME				640-659	n/a	n/a	n/a	n/a	n/a	n/a
PURCHASE				620-639	n/a	n/a	n/a	n/a	n/a	n/a
SFR/Condo	417,000	70	70	CONDO (3)
NO CASH OUT REFINANCE				(All Loan Terms)
SFR/Condo	417,000	70	70	ALL	0.000	0.000	n/a	n/a	n/a	n/a
CASH OUT REFINANCE
SFR/Condo	417,000	n/a	n/a

Notes:
(1) LTV refers to Loan-to-Value, the maximum percentage allowed when the mortgage amount is divided by the property value.
(2) CLTV refers to Combined Loan-to-Value, the maximum percentage allowed when all mortgages on the property (including
home equity loans and lines of credit) are combined and that total is divided by the property value.
(3) These add-ons are included in the initial rate search.