Plaza Program Guidelines

Conventional Program GuidelinesDocument Date
Agency Express12/3/2024
CHOICERenovation Conforming & Super Conforming Fixed12/3/2024
Conforming ARM12/3/2024
Conforming Fixed12/3/2024
High Balance Fixed12/3/2024
Home Possible Conforming & Super Conforming12/13/2024
HomeReady Conforming & High Balance Fixed 12/13/2024
HomeStyle Conforming & High Balance Fixed12/3/2024
Refi Possible Conforming Fixed12/3/2024
RefiNow Conforming Fixed12/3/2024
Super Conforming ARM12/3/2024
Super Conforming Fixed12/3/2024
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Correspondent GuidelinesDocument Date
CHOICERenovation Conforming & Super Conforming - Correspondent12/19/2024
Closed-End Second Lien - Correspondent3/25/2025
Conforming ARM - Correspondent12/19/2024
Conforming Fixed - Correspondent12/19/2024
DSCR Investor Solutions 1 - Correspondent3/25/2025
DSCR Investor Solutions 2 - Correspondent3/4/2025
DSCR Investor Solutions 3 - Correspondent3/25/2025
DSCR Investor Solutions 4 - Correspondent3/25/2025
FHA 100% CLTV Combo - Correspondent1/2/2025
FHA 203(h) - Correspondent1/2/2025
FHA 203(k) - Correspondent1/2/2025
FHA Converted Construction to Permanent - Correspondent12/23/2024
FHA Fixed and ARM - Correspondent1/2/2025
FHA Streamline Refinance - Correspondent11/1/2024
High Balance Fixed - Correspondent12/19/2024
Home Possible Conforming & Super Conforming - Correspondent12/19/2024
HomeReady Conforming & High Balance Fixed - Correspondent12/19/2024
HomeStyle Conforming and High Balance Fixed - Correspondent12/19/2024
Investor AUS Interest Only - Correspondent3/25/2025
Jumbo AUS 1 - Correspondent1/30/2025
Jumbo AUS 2 - Correspondent1/17/2025
Jumbo AUS 3 - Correspondent1/17/2025
Jumbo Champion Fixed and ARM - Correspondent3/18/2025
Jumbo Elite - Correspondent3/18/2025
Refi Possible Conforming Fixed - Correspondent12/3/2024
RefiNow Conforming Fixed - Correspondent12/3/2024
Section 184 Indian Home Loan Guarantee - Correspondent1/2/2025
Solutions Non-QM 1 – Correspondent3/25/2025
Solutions Non-QM 3 - Correspondent3/25/2025
Solutions Non-QM 4 – Correspondent3/25/2025
Super Conforming ARM - Correspondent12/19/2024
Super Conforming Fixed - Correspondent12/19/2024
USDA Guaranteed Rural Housing - Correspondent2/11/2025
USDA Guaranteed Rural Housing Renovation - Correspondent1/2/2025
VA Fixed and ARM - Correspondent1/17/2025
VA IRRRL - Correspondent2/11/2025
VA Renovation - Correspondent1/17/2025
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Government Program GuidelinesDocument Date
FHA 100% CLTV Combo1/2/2025
FHA 203(h) 1/2/2025
FHA 203(k)1/2/2025
FHA Fixed and ARM Conforming & High Balance 1/2/2025
USDA Guaranteed Rural Housing2/11/2025
USDA Guaranteed Rural Housing Renovation1/2/2025
VA Fixed and ARM1/17/2025
VA IRRRL2/27/2025
VA Renovation1/17/2025
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Non-Conforming Program GuidelinesDocument Date
Closed-End Second Lien3/25/2025
DSCR Investor Solutions 13/25/2025
DSCR Investor Solutions 23/4/2025
DSCR Investor Solutions 33/25/2025
DSCR Investor Solutions 43/25/2025
Investor AUS Interest Only3/25/2025
Jumbo AUS 11/30/2025
Jumbo AUS 21/17/2025
Jumbo AUS 31/17/2025
Jumbo Champion3/18/2025
Jumbo Elite 3/18/2025
Solutions Non-QM 13/25/2025
Solutions Non-QM 33/25/2025
Solutions Non-QM 43/25/2025
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Product Snapshots + ComparisonsDocument Date
3% Down Conventional Comparison6/1/2024
Adjustable Rate Mortgages Product Comparison11/16/2023
Adjustable Rate Mortgages Product Comparison - Correspondent6/1/2024
Agency Express Conforming & High Balance Fixed Snapshot12/3/2024
CHOICERenovation Snapshot12/3/2024
Closed-End Second Lien Snapshot3/11/2025
Conforming ARM Snapshot12/3/2024
Conforming Fixed Snapshot12/3/2024
Conventional High Balance and Super Conforming Comparison11/19/2024
DSCR Investor Solutions 1 Snapshot3/4/2025
DSCR Investor Solutions 2 Snapshot3/4/2025
DSCR Investor Solutions 3 Snapshot3/4/2025
DSCR Investor Solutions 4 Snapshot3/4/2025
Fannie Mae HomeReady Snapshot12/13/2024
Fannie Mae HomeStyle Snapshot11/19/2024
FHA 100% CLTV Combo Snapshot - Correspondent1/2/2025
FHA 100% CLTV Combo Snapshot - Wholesale1/2/2025
FHA 203(h) Snapshot6/14/2022
FHA 203(k) Snapshot11/25/2024
FHA 203(k) Snapshot - Correspondent11/25/2024
FHA Converted Construction to Permanent Snapshot - Correspondent12/23/2024
FHA Fixed and ARM Snapshot6/13/2023
FHA Streamline Snapshot6/14/2022
Freddie Mac Home Possible Snapshot12/13/2024
Investor AUS Interest Only Snapshot3/25/2025
Jumbo AUS 1 Snapshot1/30/2025
Jumbo AUS 2 Snapshot1/2/2025
Jumbo AUS 3 Snapshot10/10/2024
Jumbo AUS and Solutions Non-QM Comparison6/1/2024
Jumbo Champion Fixed and ARM Snapshot3/18/2025
Jumbo Champion Fixed and ARM Snapshot - Correspondent3/18/2025
Jumbo Comparison6/1/2024
Jumbo Elite Snapshot3/18/2025
Manufactured Housing Comparison4/1/2024
Path to Recovery Comparison6/1/2024
Private Mortgage Insurance (PMI) Product Comparison Correspondent8/30/2021
Private Mortgage Insurance (PMI) Product Comparison Wholesale8/30/2021
Refi Possible Conforming Fixed Snapshot12/3/2024
RefiNow Conforming Fixed Snapshot12/3/2024
Renovation Comparison6/1/2024
Renovation Comparison - Correspondent 6/1/2024
Renovation Comparison Expanded for Correspondents12/4/2024
Solutions Non-QM 1 Snapshot3/25/2025
Solutions Non-QM 3 Snapshot3/25/2025
Solutions Non-QM 4 Snapshot3/25/2025
Student Loan Calculation Comparison6/1/2024
Super Conforming ARM Snapshot11/19/2024
USDA Guaranteed Rural Housing Renovation Snapshot1/2/2025
USDA Rural Housing Snapshot1/2/2025
VA IRRRL Snapshot2/11/2025
VA Purchase or Cash Out Refinance Snapshot1/2/2025
VA Renovation Snapshot1/2/2025
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Underwriting GuidelinesDocument Date
Credit Guidelines - Wholesale & Mini-Correspondent12/16/2024
Manufactured Housing Guidelines GD-UG-0153/31/2025
Texas Home Equity Section 50(a)(6)10/4/2022
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