FHA

Conv

Sales Price

Down Payment

Base Loan Amount

MIP

Total Loan Amount

Interest Rate

Term (Years)

P&I

Taxes

Insurance

MI

HOA

PITI

Maximum Qualifying Ratios

Minimum Income To Qualify

Maximum Bills Allowed

Actual Income

Actual Bills

Actual Ratios

 

Orange & Los Angeles County:

1-unit $1,149,825

2-units $1,472,250

3-units $1,779,525

4-units $2,211,600

Riverside & San Bernardino County:

1-unit $644,000

2-units $824,450

3-units $996,550

4-units $1,238,500

Orange & Los Angeles County:

1-unit $$1,089,300

2-units $1,394,775

3-units $1,685,850

4-units $2,095,200

Riverside & San Bernardino County:

1-unit $644,000

2-units $824,450

3-units $996,550

4-units $1,238,500

Orange & Los Angeles County:

1-unit $970,800

2-units $1,243,050

3-units $1,502,475

4-units $1,867,275

Riverside & San Bernardino County:

1-unit $562,350

2-units $719,900

3-units $870,200

4-units $1,081,450

Orange & Los Angeles County:

1-unit $765,600

2-units $980,325

3-units $1,184,925

4-units $1,472,550

Riverside & San Bernardino County:

1-unit $431,250

2-units $552,050

3-units $667,350

4-units $829,350

Orange & Los Angeles County:

1-unit $726,525

2-units $930,300

3-units $1,124,475

4-units $1,397,400

Riverside & San Bernardino County:

1-unit $431,250

2-units $552,050

3-units $667,350

4-units $829,350

Orange & Los Angeles County:

1-unit $679,650

2-units $870,225

3-units $1,051,875

4-units $1,307,175

Riverside & San Bernardino County:

1-unit $405,950

2-units $519,700

3-units $628,200

4-units $780,650

Orange & Los Angeles County (High-Balance):

1-unit $1,149,825

2-units $1,472,250

3-units $1,779,525

4-units $2,211,600

Riverside & San Bernardino County (Standard Conforming)

1-unit $766,550

2-units $981,500

3-units $1,186,350

4-units $1,474,400

Orange & Los Angeles County (High-Balance):

1-unit $1,089,300

2-units $1,394,775

3-units $1,685,850

4-units $2,095,200

Riverside & San Bernardino County (Standard Conforming)

1-unit $726,200

2-units $929,850

3-units $1,123,900

4-units $1,396,800

Orange & Los Angeles County (High-Balance):

1-unit $970,800

2-units $1,243,050

3-units $1,502,475

4-units $1,867,275

Riverside & San Bernardino County (Standard Conforming)

1-unit $647,200

2-units $828,700

3-units $1,001,650

4-units $1,244,850

Orange & Los Angeles County (High-Balance):

1-unit $765,600

2-units $980,325

3-units $1,184,925

4-units $1,472,550

Riverside & San Bernardino County (Standard Conforming)

1-unit $510,400

2-units $653,550

3-units $789,950

4-units $981,700

Orange & Los Angeles County (High-Balance):

1-unit $726,525

2-units $930,300

3-units $1,124,475

4-units $1,397,400

Riverside & San Bernardino County (Standard Conforming)

1-unit $484,350

2-units $620200

3-units $749,650

4-units $931,600

Orange & Los Angeles County (High-Balance):

1-unit $679,650

2-units $870,225

3-units $1,051,875

4-units $1,307,175

Riverside & San Bernardino County (Standard Conforming)

1-unit $453,100

2-units $580,150

3-units $701,250

4-units $871,450

FHA

Short Sale 3 years

Foreclosure 3 years

Bankruptcy Chapter 7 (regular BK) 2 years

Bankruptcy Chapter 13 1 year

Conventional

Short Sale 4 yrs

Foreclosure 7 yrs

Bankruptcy Chapter 7 (regular BK) 4 yrs

Bankruptcy Chapter 13 2 yrs from discharge or 4 years from dismissal

Month Since Originated        Refund %

                  1                                 80

                  2                                 78

                  3                                 76

                  4                                 74

                  5                                 72

                  6                                 70

                  7                                 68

                  8                                 66

                  9                                 64

                  10                               62

                  11                               60

                  12                               58

                  13                               56

                  14                               54

                  15                               52

                  16                               50

                  17                               48

                  18                               46

                  19                               44

                  20                               42

                  21                               40

                  22                               38

                  23                               36

                  24                               34

                  25                               32

                  26                               30

                  27                               28

                  28                               26

                  29                               24

                  30                               22

                  31                               20

                  32                               18

                  33                               16

                  34                               14

                  35                               12

                  36                               10

                  37                               0