Agency Plus Loan Program Highlights
  • Jumbo alternative with I/O options
  • Shorter waiting periods for derogatory credit events such as BK & foreclosure
  • Loan amounts up to $3.0MM | Cash out up to $2.5MM
  • No seasoning requirement for cash-out
  • Multiple term options:
    • ARM*: 5/1, 7/1, 10/1
    • Fixed: 15, 30
  • Interest only available for all ARMs*
  • Cash out from subject property may be used towards reserves**
  • LTV up to 90% with min FICO 680
  • DTI up to 55%** | Min. FICO 600**
  • Payment shock not calculated
  • First time home buyers allowed with no LTV restrictions
  • US citizens, permanent resident aliens and non-permanent resident aliens allowed

All states (including DC) are eligible except DE, ME, MA, WY, RI.
*Interest only options available. No I/O in Illinois.
**Not available in Premier.

Non-QM Agency Plus Program Sticker

Agency Plus Guidelines