VA & IRRRL Features

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UPDATE: Due to COVID-19, our VA Matrices have changed. Please view our Product Updates for more details. 
  • Up to 100% LTV
  • Min FICO 660
  • Loan amounts to $1 million
  • No cap on DTI with AUS approval
  • No tradelines OK with AUS
  • FTHB allowed
  • No monthly mortgage insurance
  • Gift donor bank statements not required
  • IRRRL: Up to 105% CLTV | Manual underwriting | Mortgage only credit report with score OK | No income verification | No AVM / No appraisals required | Conforming loan amounts & High balance
* See product matrices for all details | Products subject to change without notice.


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We received your scenario. Our current response time is 2 to 6 hours, and may carry over to the next business day depending on the time submitted.

For more immediate answers, please contact your AE.