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| Available Products: |
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15- and 30-year Fixed Rate |
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| Features: |
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Loan amounts up to the conforming limit |
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Purchase, Rate & Term and Cash Out refinances |
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Primary Residence only |
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SFR, PUD, Low/High Rise Condos and 2-4 Units |
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Up to 45% DTI |
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Stated Income up to 75% LTV with a minimum 700 DCS1 |
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Self-employed borrowers only |
Assets & Reserves: |
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All assets must be sourced and seasoned for 60 days |
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6 months reserves required for 1-2 Unit properties |
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12 months reserves required for 3-4 Unit Properties |
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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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Discuss with your applicants the features of loan products offered to ensure their unique financial needs are met. If there is a prepayment penalty, there should be some benefit in terms of rate or fees in exchange for the substantial cost if the loan is paid off before the penalty term expires.
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Ensure your applicant understands that in exchange for not having to document their income, they may be required to pay a higher interest rate on the loan and/or additional fees. |
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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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