CALL WBC TODAY 888.398.8757

Products

Conventional

Fannie Premium

  • Industry Leader in price
  • DTI Determined by DU
  • 97% LTV on purchase loans
  • Property Inspection Waivers
  • 30 day close eligible
  • Multiple Financed Properties with no overlays

Fannie Direct

  • Minimal Overlays
  • 97% LTV on purchase loans
  • Manufactured homes eligible
  • No restrictions to acreage
  • Property Inspection Waivers
  • Manual Underwriting
  • 30 day close eligible
  • Multiple Financed Properties with no overlays

Freddie Premium

  •  Up to 95% LTV on FRM and ARM purchase loans
  • Close in less than 30 days
  • DTI determined to LP
  • Hobby farms eligible
  • No overlays on Super Conforming
  • Multiple Financed Properties with no overlays

HiBAL Anywhere℠

  • Loan Amounts to $1.00 over county limits
  • High Balance loan limits accessible in any of our markets, even non-agency high balance markets
  • 43% max DTI
  • Payoff seasoned HELOC as rate & term
  • Pay off of revolving debt permitted
  • Permanent resident aliens permitted

Jumbo

Jumbo 1

  • Loan amounts from $453,101 to $2M
  • 40% max DTIl Use credit report for HELOC payment
  • Paying off revolving debt permitted
  • Gift funds permitted
  • Close in less than 30 days
  • TBD underwrite
  • “Prior Approval” never required‐Delegated Underwriting by Western Bancorp
  • Permanent Resident Aliens permitted

Jumbo 2

  • Loan Amounts as high as $2.5MM
  • 43% max DTIl LTV up to 90%
  • N/O/O Now Available
  • Vesting in a trust permitted
  • Gift funds permitted
  • Close in less than 30 days
  • TBD underwrite
  • Perm and Non‐Perm Residents Eligible

Jumbo 3

  • High Balance Loan Limit + $1.00
  • 43% max DTI
  • Gift funds permitted
  • $1M Max. loan amount for first time homebuyer
  • If >30% equity, 75% gross rents permitted

Jumbo 4

  • Loan amount from $453,101 to $2M
  • 43% max DTI
  • BK, Short Sale, Foreclosure allowed
  • First Time Homebuyers are permitted with NO overlays
  • If >25% Equity 75% gross rents permitted
  • Unlimited cash out for ≤50% LTV/HCLTV
  • Gift funds permitted
  • TBD underwrite

 

Government 

FHA

  • Industry Leader Pricing
  • TBD Underwriting
  • DTI up to 55% with DU Approval
  • 600 Min Fico for FRM
  • 620 Min Fico for ARM and HB
  • Credit Qualifying Streamlines
  • Manual Downgrades Allowed

Information on this site is intended for mortage professionals only, and is not intended for consumer user, as defined by Section 226.2 of Regulation Z, which implements the Truth-In-Lending Act. NMLS# 272396 NLMS Consumer Access.