Portfolio Mortgage Program Highlights

October 2016

FHLMC Super-Conforming

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FNMA unpermitted space ok if documented per guidelines

Transferred appraisals ok on most programs-

5-10 Financed Properties w/ 720 FICO

FHA Flips Less than 90 Days

EEM (Energy Efficient Mortgages)

Non-Conforming (Jumbo) to $ 5 Million

HUD $ 100 Down

Repair Escrow to $5,000 on HUD REO

Delay financing & stated income

Asset depletion / Pledge assets