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                        discontinued

100% Loan To Value >574

        First Mortgage - one loan, one payment

        575 minimum middle score

        Full doc or 24 months bank statements qualify income

        up to 55% debt-to-income ratio OK

        Consumer credit late's OK

        Consumer collections ok and may remain open

        1 30 day late OK in last 12 months mortgage history

        Bankruptcy OK

        Foreclosure OK

        Condo OK

        No Cash Out restrictions

        ARM product available

        No mortgage insurance required

               Mid-Score        Maximum Loan Amount	  
                 575 to 599      $350,000	  
                 600 to 620      $400,000	  
                 625 to 640      $400,000	  
                 650 to 679      $500,000	  
                 680 to 719      $500,000	  
                 >=720	  $500,000	  
  

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reference # 5102603138

all loan products are subject to change at any time
other restrictions may apply