H-1B, L-1, E-2 VISA – 모기지 20% Conventional Program
H1B, L-1, TN, E-2, E-2 VISA – 모기지 (20% Conventional)
H1B, L-1, TN, E-2, E-2, O-1, T-1 VISA로 일반 융자 (Conventional Loan, 20% down payment) 받으실 수 있는 모기지 상품 기회입니다.
2년 VISA 그리고 크레딧 점수(Credit Score) 있으시면 됩니다.
아래의 세부 정보를 참조해 주세요.
Borrower Eligibility |
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Eligible Borrowers |
US Citizens |
Valid Social Security Number Required for All Borrowers |
Permanent Resident Aliens |
Eligiblie with proof of lawful permanent residency |
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Non-permanent Resident Aliens |
Eligible with proof of one of the following valid Visa types: |
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Eligible with proof of one of the following valid Visa types and
Employment Authorization Documentation (EAD): |
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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 |
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Non-occupant Co-borrowers |
Non-occupying Co-Borrowers for owners occupued primary residence loans are permitted provided that: |
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Qualifying Ratios: |
Product Codes |
Product Name |
Term |
30 year-fixed fully amortized |
30 year |
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15 year-fixed fully amortized |
15 year |
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5/1 ARM |
30 year |
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7/1 ARM |
30 year |
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10/1 ARM |
30 year |
Product Matrix |
Primary Residence |
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Purchase and rate & term refinance |
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Property Type |
LTV/CLTV/HTLTV |
MAX DTI |
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FICO 680-699 |
SFR / PUD |
85/85/85 |
35% |
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65/65/65 |
43% |
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Condo |
80/80/80 |
35% |
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65/65/65 |
43% |
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2-4 Units |
Ineligible |
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FICO 700-719 |
SFR / PUD |
85/85/85 |
35% |
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70/70/70 |
43% |
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Condo |
80/80/80 |
35% |
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70/70/70 |
43% |
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2-4 Units |
75/75/75 |
35% |
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70/70/70 |
43% |
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FICO 720-739 |
SFR / PUD |
85/85/85 |
43% |
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Condo |
80/80/80 |
43% |
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2-4 Units |
75/75/75 |
43% |
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FICO 740+ |
SFR / PUD |
85/85/85 |
43% |
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Condo |
85/85/85 |
43% |
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2-4 Units |
75/75/75 |
43% |
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