Rate Table
Example
Interest Rate Qualifiers
Interest Rate Qualifiers
Loan A
Loan B
Loan C
Interest Rate
6%
6.25%
6.625%
Risk Factor Qualifiers
Credit Score
720-850
680-719
580-619
Debt-to-income ratio
Less than 40%
Less than 45%
Less than 50%
Occupancy Type
Primary
Rental
2nd Home
Loan-to-value ratio
Less than 90%
Less than 85%
Less than 95%
Bankruptcy Allowed
No
Less than 3 year ago
Less than 1 year
First-time Homeowner
Allowed
Not Allowed
Allowed
Permitted Property Types
Single Family,
Condominium
Single Family,
Duplex,
Townhouse
Single Family,
Duplex,
Triplex
Location of Property
NY, NY, PA
All states
east of Mississippi
AZ, NV, CA
Number of Units In
Development Already Sold
80%
50%
90%
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