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Agency Conforming
Now more flexible and competitively priced, Indymac® Agency Conforming solutions help you reach more borrowers. Programs are ideal for borrowers with limited funds for down payment or closing costs and may be customized to meet additional borrower needs.
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| Available Products |
| · 10, 15, 20, 25, 30 and 40-year Fixed Rate |
| · 30-year Fixed Rate Interest Only1 |
| · 5/1, 7/1 and 10/1 LIBOR ARMS (Interest Only Available)2 |
| · Expanded Approval |
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| Features |
| · Competitive pricing on both fixed and ARM Products |
| · Reduced documentation options and appraisal requirements |
· Unlimited cash out (up to maximum loan amount)
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| Special Programs |
| · Fannie Mae programs now available: |
| - MyCommunityMortgageTM |
| - Flexible 97TM |
Are you submitting Agency loans through Desktop Originator®? |
In order for Indymac to help you close your Agency loans, the DO case file must be assigned to Indymac as the sponsoring lender.
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| Choosing Indymac as a sponsored lender takes only a couple of minutes and only needs to be done once. Download the DO Sponsorship Process Flow card to guide you through this simple process. |
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Agency eligible Conforming loans must meet applicable Fannie Mae and Freddie Mac requirements (as determined by Desktop Underwriter® (DU) or Loan Prospector® (LP) through e-MITS submission. In order to be eligible, the loan must be approved by DU or LP; manual underwriting is not available.
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 submit your loans to e-MITS now! |
Get pre-qual and instant pricing online via QuickPricer®*.
Rapid decisions and ratelock are available online with e-MITS®*. |
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Ensure your applicant understands that with interest only loans, their loan balance will not decrease unless they pay more than the required interest only payment, and that their required payment will increase substantially when the amortization period begins. |
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Ensure your applicant understands that with interest only adjustable rate loans, their payment and rate may increase significantly over time, and that their loan balance will not decrease unless they pay more than the required interest only payment. |
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| Guidelines are only for reference. Refer to the Indymac Bank Lending Guide for detailed information on products, programs, procedures, representations and warranties. |
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| *Rates, fees and programs are subject to change without notice. |
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| Rate sheets do not represent program guidelines. Please refer to the Indymac Bank Lending Guide for specific parameters. |
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Get Approved! |
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Become an Indymac Bank approved seller. |
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