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VA Loan Programs

VA Matrix
VA IRRRL Matrix

VA Loan Programs

VA Loan Programs

  • 100% LTV Loans for Purchase, Cash-out
  • 110% for VA IRRRL
  • Max Loan Amounts to $1.5 Million for purchase loans and VA IRRRL
  • $1.5 million Max Loan Amount for Cash-Out Loans
  • Flexible Loan Terms
VA Matrix

VA IRRRLs (Streamline)

  • VA IRRRL's (Streamlines) up to 110% CLTV subordinate lien, 580 Min FICO
  • 90% Cash-Out refinance 580 FICO
  • DTI per AUS, we follow DU and LP
  • Manual underwrites allowed
  • W2 only allowed
  • Soft Pull Available
  • ARMS Option Available
VA IRRRL Matrix

VA ARMs

Adjustable Rate Mortgage (ARMS) Option
  • 5/1 ARM
  • Purchase and Cash Out Refinance
  • VA AUS: Purchase Min FICO 640, 100% Max LTV/CLTV
  • VA AUS: Cash Out Refi Min FICO 680, 90% Max LTV/CLTV
  • VA Manual Underwrite: Purchase: Min FICO 660, 100% Max LTV/CLTV
  • VA Manual Underwrite: Cash Out Refi: Min FICO 660, 90% Max LTV/CLTV
VA Matrix

Brokers can request a soft credit pull upon submitting for VA Streamlines.

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VA Sponsorship Request Form