Jumbo Loan Programs:

 Jumbo SIVA Alt-A Arm Program
LTV/CLTV up to 90/90% w/ 700 fico (Rate/Term or Purchase)
LTV/CLTV up to 75/90% w/ 720 fico (Cash Out)
Combined Piggyback loan amounts up to 1.2 million w/ min 680 fico (Rate/Term or Purchase)

PROGRAM HIGHLIGHTS (GST 03-01-08)
*Eligible borrowers: Self Employed or Commissioned ONLY
*Eligible doc type: Stated Income Verified Assets ONLY
*Max DTI Ratio: 28/40
*In house piggyback secondary financing available w/ max loan amount up to $200k
*Max cash out:$100k-$150k
*BPMI for LTV’s >80%
*2 Full Appraisal reports needed for loan amounts >$650k
*FTHB not eligible for this program

********

Jumbo Pricing at near Conforming Rates!
Our lender's jumbo pricing is near conforming rates at this time.

Lender program: CFB10 / 02-08-08

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
Full Doc & SIVA JUMBO
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Full Doc - 1-2 Units
95% to $500k w/660 score - P, R/T
90% to $650k w/660 score - P, R/T, C/O
90% to $750k w/660 score - P, R/T, C/O (95% w/outside institutional 2nd, 90% c/o)

SIVA - 1-2 Units
90% to $650k w/660 score - P, R/T
85% to $650k w/660 score - C/O

Full Doc - 3-4 Unit
680+ 90% to $650k P, R/T
640+ 85% to $650k P, R/T
Cashout 80%

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
Subprime Gold Product
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Primary 1-2 Unit
620+ 95% to $450k Unlimited 60's
620+ 90% to $650k, 660+ Cashout
590+ 90% to $450k Unlimited 60's
560+ 85% to $450k Unlimited 60's
530+ 70% to $450k Unlimited 60's
Primary 3-4 Unit
620+ 80% to $550k
Investment 1-4 Unit
660+ 80% to $550k
Second Home 1Unit
680+ 90% to $550k
650+ 85% to $550k
620+ 80% to $550k

Features:
- VOE's accepted
- Purchase, Rate/Term AND Cash out
- Unlimited 30's and 60's
- 6% Allowable Sellers Concessions w/95% financing
- FTHB accepted up to $550k
- BK's under 2 yrs, accepted (max ltv 90%)
- Unlimited cash out up to 90%, $100k over 90%
- Need 3 tradelines, 1 open
- No reserves required under $550k, over $550k 2mths
- No negative ending bank balances
- 30 days seasoning of assets
- Max DTI 55%

ALL PRODUCTS - IF THE PROPERTY IS IN A DECLINING MARKET,
SUBTRACT 5% FROM THE MAX LTV.

**************************

Program LIFI 02-11-08 :

Loan amounts up to $1.5 million. DTI up to 50%.

Condos & 1-2 units OK. Owner Occupied & 2nd homes OK.

SIVA & Full Doc to 90% LTV.

Fixed rates & ARM's available. Interest Only available.

**********************

(program EF18 ) 

90% SIVA

To $1,400,000 !

Purchase, R & T, Cash Out, 680 Score, ARM or Fixed.

95% SIVA to $1,300,000 with 720 Score.

Other Alt-A NICHE Products:

- 1 Day Off MLS Listed for Sale OK

- 6 Months Ownership Seasoning for Cash Out to $750k

- FTHB to 100% Full Doc

- Stated Wage Earners

- Stated for Retirees

- Stated use “Primary” Borrower as shown on 1003

- Cash Out OK for Reserves on Selected Programs

- 6 PAY OPTION Programs with Loan Amounts up to $2m

 __________________________

Super Jumbo Loans:

(program MC1000)

Full Doc AND Stated