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H-1B, L-1, E-2 VISA – 모기지 20% Conventional Program

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H1B, L-1, TN, E-2, E-2 VISA – 모기지 (20%  Conventional)

 

H1B, L-1, TN, E-2, E-2, O-1, T-1 VISA 일반 융자 (Conventional Loan, 20% down payment) 받으실 있는 모기지 상품 기회입니다.

 

2 VISA 그리고 크레딧 점수(Credit Score) 있으시면 됩니다.

 

아래의 세부 정보를 참조해 주세요

 

Borrower Eligibility

Eligible Borrowers

US Citizens

Valid Social Security Number Required for All Borrowers

Permanent Resident Aliens

Eligiblie with proof of lawful permanent residency
Underwritten the same as US Citizen
If LTV is over 70%, a two year residency and work history is required
Foreign documentation including Visas and Green Cards must include copies of both sides of the documents

Non-permanent Resident Aliens

Eligible with proof of one of the following valid Visa types:
-A-1, A-2, A-3, E-1, E-2, E-3, GB, G-5, H-1, H-1A, H-1B, H-1B1, H-1B2, H-1B3, H-1C, I, IR1, K-3, L-1, L-1A, L-1B, NATO-1, NATO-2, NATO-3, NATO-4, NATO-5, NATO-6, O-1, O-2, R-1, 5-1/5-2, T-1, TN, U-1, U-2, U-4, V-1, V-3

Eligible with proof of one of the following valid Visa types and Employment Authorization Documentation (EAD):
Eligible Dependent: A-1, A-2, A-3, E-1, E-2, E-3, G-5, K-3
Spouse of: K-3, L-2, NATO 1-7, O-3
T-2, T-3, T-4
Must be occupying borrower
Primary Residence Only
Maximum LTV is more restrictive of 80% or LTV permitted on the Product Matrix
If LTV is over 70%, a two-year residency and work history is required
Maximum DTI refer to the product matrix
When a temporary resident's VISA will expire within 12 months of application date, a letter from the employer indicaing intent to sponsor the employee's VISA renewal is required
If Non-U.S. citizen signing with a U.S. Citizen, and is not a major contributor to qualifying income, cash reserves or other credit aspects of the loan, underwrite as U.S Citizen. Must have valid VISA.

Foreign Documentation including VISAs and Green Cards must include all copies of both sides of he documents

First Time Homeowners

A first time homebuyer is a borrower who has not owned a "Primary" residence within the past 3 years. Owning a second home or investment property would not meet this requirement

Non-occupant Co-borrowers

Non-occupying Co-Borrowers for owners occupued primary residence loans are permitted provided that:

Qualifying Ratios:

 

 

 

Product Codes

Product Name

Term

30 year-fixed fully amortized

30 year

15 year-fixed fully amortized

15 year

5/1 ARM

30 year

7/1 ARM

30 year

10/1 ARM

30 year

 

 

 

Product Matrix

Primary Residence

Purchase and rate & term refinance

 

Property Type

LTV/CLTV/HTLTV

MAX DTI

FICO 680-699

SFR / PUD

85/85/85

35%

65/65/65

43%

Condo

80/80/80

35%

65/65/65

43%

2-4 Units

Ineligible

 

FICO 700-719

SFR / PUD

85/85/85

35%

70/70/70

43%

Condo

80/80/80

35%

70/70/70

43%

2-4 Units

75/75/75

35%

70/70/70

43%

 

FICO 720-739

SFR / PUD

85/85/85

43%

Condo

80/80/80

43%

2-4 Units

75/75/75

43%

 

FICO 740+

SFR / PUD

85/85/85

43%

Condo

85/85/85

43%

2-4 Units

75/75/75

43%

 

 

 

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