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AMP Mortage

Full Documentation

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Solutions for agency and jumbo fallout 

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Self-Employed Borrowers may provide 1 year's tax returns

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Primary earner FICO score utilized

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Recent conversions from W-2 to 1099 allowed

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Primary Residences, Second Homes, Investment Properties

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Asset Depletion allowed as supplemental income

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1–4-unit properties, Warrantable Condos, Co-Ops, PUDs, certain mixed use properties, non-warrantable condos/condotels, and manufactured homes allowed 

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0x60x12 allowed

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LTVs up to 90 on purchases and 80 on cash-out refinances

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12 months out of a credit event allowed 

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No limit on cash out up to 60% LTV, over 60% LTV, max cash out $750k 

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Loan Amounts up to $4MM 

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DTI up to 55% 

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Temporary buydowns allowed 

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ITIN/DACA borrowers allowed

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Common Exceptions 

5% LTV*, reduced reserves, loan amount up to $10MM, 0x90x12, credit event 1 day 

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Min. 620 FICO

* 90% Max LTV on purchase rate & term refi and 80% Max LTV for cash-out refi

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