Gre
en T
ree
Gre
en T
ree ’’
ssC
onfo
rmin
g Pr
oduc
tsC
onfo
rmin
g Pr
oduc
ts "Not
ice:
Ple
ase
note
that
this
is n
ot a
clie
ntof
fer o
r sol
icita
tion
for a
ll lo
an
prod
ucts
list
ed.
All l
oans
subm
itted
for p
urch
ase
by G
reen
Tre
e S
ervi
cing
LL
C (“
Gre
en T
ree”
) m
ust b
e el
igib
le fo
r pur
chas
e by
Gre
en T
ree
and
be in
fu
ll co
mpl
ianc
e w
ith th
e G
reen
Tre
e Lo
an P
rodu
ct M
atrix
and
Gre
en T
ree
Clie
nt C
ontra
ct fo
r eac
h ap
prov
ed c
lient
."
6/11
/201
3,
26/
11/2
013,
2
Age
nda
•Pr
oduc
t Fea
ture
s
•Pr
oduc
t Enh
ance
men
ts
•AU
S an
d Q
ualif
icat
ions
•D
ocum
enta
tion
Opt
ions
•Q
uest
ions
6/11
/201
3,
36/
11/2
013,
3
A v
arie
ty o
f cho
ices
at y
our f
inge
rtip
s!
•G
reen
Tre
e of
fers
com
petit
ive
rate
s on
a v
arie
ty o
f lo
an p
rogr
ams.
•D
esig
ned
for b
orro
wer
s w
ho h
ave
good
cre
dit a
nd
at le
ast 3
%fo
r dow
n pa
ymen
t.
•Fi
nanc
ing
is u
p to
97%
LTV
/CLT
V.
•P
rimar
y R
esid
ence
, Sec
ond
Hom
e an
d In
vest
men
t P
rope
rties
.
•Fi
xed
Rat
es o
r Adj
usta
ble
Rat
es A
vaila
ble.
Pro
duct
Fea
ture
sP
rodu
ct F
eatu
res
6/11
/201
3,
56/
11/2
013,
5
•Lo
an T
ype:
›Pu
rcha
se
›R
ate
and
Term
Ref
inan
ce
›C
ash
Out
Ref
inan
ce
•O
ccup
ancy
Typ
e:›
Prim
ary
Res
iden
ce
›Se
cond
Hom
e (1
uni
t onl
y)
›In
vest
men
t
Tran
sact
ions
and
Occ
upan
cy
6/11
/201
3,
66/
11/2
013,
6
Ref
inan
cing
a P
rope
rty
•Fo
r tho
se p
rope
rties
that
hav
e be
en li
sted
for s
ale
with
in
the
last
6 m
onth
s, G
reen
Tre
e re
quire
s th
e fo
llow
ing:
›Th
e pr
oper
ty h
as b
een
take
n of
f the
mar
ket b
efor
e th
e ap
plic
atio
n da
te
›Bo
rrow
er m
ust p
rovi
de w
ritte
n co
nfirm
atio
n of
thei
r int
ent t
o oc
cupy
the
prop
erty
if a
prim
ary
resi
denc
e
6/11
/201
3,
76/
11/2
013,
7
Elig
ible
Pro
pert
y Ty
pes
1-4
units
1 U
nit P
UD
's(F
NM
A &
FH
LMC
wa
rran
tab
le)
Con
do's
(F
NM
A &
FH
LMC
wa
rran
tab
le)
•Flo
rida
Con
dos
•Sec
ond
hom
es a
nd In
vest
men
t pro
perti
es n
ot
perm
itted
Mod
ular
/ Pre
-Cut
Leas
ehol
d E
stat
es
6/11
/201
3,
86/
11/2
013,
8
Con
form
ing
Loan
Lim
its
•N
o m
inim
um lo
an a
mou
nt Max
imum
Loa
n A
mou
nt
Uni
tsC
ontin
enta
l US
Ala
ska
& H
awai
i
1$4
17,0
00$6
25,5
00
2$5
33,8
50$8
00,7
75
3$6
45,3
00$9
67,9
50
4$8
01,9
50$1
,202
,925
6/11
/201
3,
96/
11/2
013,
9
Fixe
d R
ate
Loan
Ter
ms
•Fu
lly A
mor
tized
Fix
ed R
ate
›FN
MA
= 8
-30
YR
in a
nnua
l inc
rem
ents
›FH
LMC
= 8
-30
YR
in a
nnua
l inc
rem
ents
*FH
LMC
(Fre
ddie
Mac
) Onl
y A
vaila
ble
for C
orre
spon
dent
s
6/11
/201
3,
10
LIB
OR
Arm
Ter
ms
•FU
LLY
IND
EXE
D L
IBO
R A
RM
•5/
1, 7
/1 &
10/
1 A
vaila
ble
•15
-30
Yea
r Ter
ms
in 5
Yea
r Inc
rem
ents
6/11
/201
3,
116/
11/2
013,
11
Fixe
d R
ate
Prim
ary
Res
iden
ce
*Wat
ch m
inim
um F
ICO
req
uire
men
ts b
etw
een
Del
egat
ed a
nd N
on-D
eleg
ated
Clie
nts*
Plea
se re
view
Pro
duct
Mat
rice
s fo
r fu
ll de
tails
. A
dditi
onal
res
tric
tion
may
app
ly.
6/11
/201
3,
126/
11/2
013,
12
Fixe
d R
ate
Prim
ary
Res
iden
ce
Plea
se re
view
Pro
duct
Mat
rices
for f
ull d
etai
ls.
Addi
tiona
l res
trict
ion
may
app
ly.
6/11
/201
3,
13
AR
M P
rimar
y R
esid
ence
6/11
/201
3,
14
AR
M P
rimar
y R
esid
ence
6/11
/201
3,
156/
11/2
013,
15
Fixe
d R
ate
Seco
nd H
ome
Plea
se re
view
Pro
duct
Mat
rices
for f
ull d
etai
ls.
Addi
tiona
l res
trict
ion
may
app
ly.
6/11
/201
3,
16
AR
M S
econ
d H
ome
6/11
/201
3,
176/
11/2
013,
17
Fixe
d R
ate
Inve
stm
ent P
rope
rty
Plea
se re
view
Pro
duct
Mat
rices
for f
ull d
etai
ls.
Addi
tiona
l res
trict
ion
may
app
ly.
6/11
/201
3,
186/
11/2
013,
18
Fixe
d R
ate
Inve
stm
ent P
rope
rty
Plea
se re
view
Pro
duct
Mat
rices
for f
ull d
etai
ls.
Addi
tiona
l res
trict
ion
may
app
ly.
6/11
/201
3,
19
AR
M In
vest
men
t Pro
pert
y
6/11
/201
3,
20
AR
M In
vest
men
t Pro
pert
y
6/11
/201
3,
216/
11/2
013,
21
Qua
lifyi
ng o
n Fi
xed
Rat
e Pa
ymen
t
Con
form
ing
Fixe
d R
ate
FNM
A F
ixed
Rat
e an
d FH
LMC
Fix
ed R
ate
All
loan
s qu
alify
on
the
Fully
Am
ortiz
ed F
ixed
Rat
e pa
ymen
t (P
ITIA
)
•On
a Fu
lly A
mor
tized
loan
, the
bor
row
ers
mor
tgag
e pa
ymen
t is
appl
ied
tow
ard
prin
cipa
l and
inte
rest
for t
he te
rm o
r life
of t
he lo
an.
6/11
/201
3,
22
Qua
lifyi
ng o
n LI
BO
R A
rms
LIB
OR
AR
MS
5/1
7/1
& 1
0/1
Qua
lify
usin
g th
e gr
eate
r of t
he
fully
-inde
xed,
fully
-am
ortiz
ing
rate
or
Not
e ra
te +
2.0
%.
Qua
lify
at th
e N
ote
Rat
e
6/11
/201
3,
236/
11/2
013,
23
Mor
tgag
e In
sura
nce
•W
hen
a lo
an h
as a
n LT
V gr
eate
r tha
n 80
%, t
hat l
oan
will
requ
ire
mor
tgag
e in
sura
nce.
•
Mor
tgag
e In
sura
nce
is o
ffere
d by
priv
ate
mor
tgag
e in
sura
nce
com
pani
es.
•Th
e ac
cept
able
com
pani
es a
re a
s fo
llow
s:›
Uni
ted
Gua
rant
y ›
Gen
wor
th
›M
GIC
›
Rad
ian
›E
ssen
t Gua
rant
y›
CM
G –
Acc
epta
ble
for C
redi
t Uni
ons
only
*Fo
r loa
ns th
at G
reen
Tre
e U
nder
writ
es, t
he M
I com
pani
es a
re li
mite
d. S
ee P
rodu
ct S
umm
ary
for l
ist o
f av
aila
ble
MI c
ompa
nies
.
6/11
/201
3,
246/
11/2
013,
24
Mor
tgag
e In
sura
nce
•M
ortg
age
Insu
ranc
e m
ay b
e fin
ance
d on
a 1
uni
t prim
ary
resi
denc
e or
sec
ond
hom
e fo
r a p
urch
ase
and
rate
& te
rm
refin
ance
.›
The
loan
am
ount
, inc
ludi
ng th
e fin
ance
d pr
emiu
m, m
ay n
ot e
xcee
d th
e co
nfor
min
g lo
an li
mit.
›Th
e am
ount
of M
I cov
erag
e is
bas
ed o
n th
e LT
V.
For m
ost s
tate
s, th
e lo
an a
mou
nt u
sed
wou
ld e
xclu
deth
e fin
ance
d pr
emiu
m**
.
For p
rope
rties
loca
ted
in L
A a
nd V
A, th
e lo
an a
mou
nt in
clud
esth
e fin
ance
d pr
emiu
m.
6/11
/201
3,
256/
11/2
013,
25
Mor
tgag
e In
sura
nce
Cov
erag
e
Term
s <
20 Y
ears
LTV
sC
over
age
Req
uire
d
80.0
1%-8
5.00
%6%
85.0
1%-9
0.00
%12
%
90.0
1%-9
5.00
%25
%
95.0
1%-9
7.00
%35
%
Term
> 2
0 Y
ears
80.0
1%-8
5.00
%12
%
85.0
1%-9
0.00
%25
%
90.0
1%-9
5.00
%30
%
95.0
1%-9
7.00
%35
%
6/11
/201
3,
266/
11/2
013,
26
Mor
tgag
e In
sura
nce
that
is p
aid
by th
e le
nder
via
a h
ighe
r rat
e to
cov
er
mor
tgag
e in
sura
nce
paym
ent
Allo
ws
the
clie
nt to
add
the
cost
of t
he m
ortg
age
insu
ranc
e in
toth
e m
ortg
age
P&I
pay
men
t.
Res
ults
in lo
wer
mon
thly
pay
men
t due
to lo
wer
MI c
ost.
Bor
row
ers
can
poss
ibly
qua
lify
for l
arge
r loa
n am
ount
s th
an B
PM
I.
May
be
able
to ta
ke a
dvan
tage
of i
ncre
ased
tax
dedu
ctio
ns d
ue to
MI
incl
uded
in th
e in
tere
st ra
te
No
MI c
losi
ng c
osts
Lend
er P
aid
Mor
tgag
e In
sura
nce
6/11
/201
3,
276/
11/2
013,
27
Rig
ht F
it fo
r LPM
I
Bor
row
er h
as a
djus
ted
gros
s in
com
e gr
eate
r tha
n $1
10,0
00
Bor
row
er w
ith li
mite
d ca
sh fo
r clo
sing
cos
ts
Bor
row
er a
t max
loan
lim
it
Max
imum
Tax
Adv
anta
ges
Low
er P
aym
ents
Larg
er L
oan
Am
ount
s
Low
er D
TI
6/11
/201
3,
286/
11/2
013,
28
LPM
I Fix
ed R
ate
Loan
Am
ount
sO
ccup
ancy
Lo
an P
urpo
se
Prop
erty
Typ
e M
ax L
TV /
CLT
V M
in F
ICO
$417
,000
Prim
ary
Res
iden
ce
Purc
hase
or R
ate/
Term
R
efin
ance
Si
ngle
Fam
ily o
r C
ondo
95%
700
Seco
nd H
ome
Purc
hase
or R
ate/
Term
R
efin
ance
Si
ngle
Fam
ily
90%
740
$417
,001
to $
625,
500
Prim
ary
Res
iden
ce
Purc
hase
Sing
le F
amily
90
%70
0
Prim
ary
Res
iden
ce
Purc
hase
Con
do90
%74
0
Prim
ary
Res
iden
ce
Rat
e/Te
rm R
efin
ance
Si
ngle
Fam
ily
90%
700
Prim
ary
Res
iden
ce
Rat
e/Te
rm R
efin
ance
C
ondo
85%
740
$625
,501
to F
HFA
Max
Prim
ary
Res
iden
ce
Purc
hase
Sing
le F
amily
90
%70
0
Prim
ary
Res
iden
ce
Purc
hase
Con
do90
%74
0
Prim
ary
Res
iden
ce
Rat
e/Te
rm R
efin
ance
Si
ngle
Fam
ily
85%
700
Prim
ary
Res
iden
ce
Rat
e/Te
rm R
efin
ance
C
ondo
85%
740
6/11
/201
3,
29
LPM
I AR
M’S
•Max
Loa
n Am
ount
is $
417,
000
($62
5,50
0 in
Ala
ska)
6/11
/201
3,
306/
11/2
013,
30
Add
ition
al R
equi
rem
ents
for L
PMI
•A
vaila
ble
Fixe
d R
ate
Pro
duct
s:›
15 o
r 30
Year
Fix
ed
•A
vaila
ble
ARM
Pro
duct
s:›
5/1,
7/1
& 1
0/1
ARM
S
•M
ust b
e ru
n th
roug
h AU
S w
ith a
n ac
cept
able
reco
mm
enda
tion.
›M
anua
l und
erw
rite
and/
or R
efer
is n
ot p
erm
itted
•M
axim
um D
ebt T
o In
com
e R
atio
s›
41%
if FI
CO
< 7
40
›45
% if
FIC
O >
740
•2
mon
ths
rese
rves
are
requ
ired
(PIT
IA)
AUS
and
Qua
lific
atio
nsAU
S an
d Q
ualif
icat
ions
6/11
/201
3,
336/
11/2
013,
33
Aut
omat
ed U
nder
writ
ing
Req
uire
men
ts
Pro
duct
Typ
eU
nder
writ
ing
Eng
ine
DO
/DU
LP
FNM
A F
ixed
Rat
es F
ully
Am
ortiz
ing
FNM
A A
RM
Pro
duct
Ful
ly A
mor
tizin
g
FHLM
C F
ixed
Rat
e
FHLM
C A
RM
Pro
duct
Ful
ly A
mor
tizin
g
*FH
LMC
(Fre
ddie
Mac
-LP
only
ava
ilabl
e fo
r Cor
resp
onde
nt)
No
Expa
nded
App
rova
ls P
erm
itted
6/11
/201
3,
346/
11/2
013,
34
Elig
ible
Bor
row
ers
•U
.S. C
itize
ns•
Perm
anen
t Res
iden
t Alie
n›
Alie
n R
egis
tratio
n C
ard
requ
ired
•N
on-P
erm
anen
t Res
iden
t Alie
n›
Mus
t hav
e a
valid
soc
ial s
ecur
ity n
umbe
r›
Mus
t be
empl
oyed
in th
e U
.S. w
ith a
val
id V
ISA
6/11
/201
3,
356/
11/2
013,
35
Non
Occ
upan
t Co-
Bor
row
ers
•El
igib
le o
n a
DU
App
rove
/Elig
ible
> 9
0% L
TV.
•El
igib
le o
n a
LP A
ccep
t, ho
wev
er th
e m
axim
um L
TV m
ust b
e =
or
< 90
% if
the
non-
occu
pant
bor
row
er’s
inco
me
is u
sed
in q
ualif
ying
.•
Elig
ible
on
a m
anua
lly u
nder
writ
ten
loan
with
an
LTV
= o
r < 9
0%:
›M
ust b
e re
gist
ered
und
er a
FN
MA
Pro
duct
Cod
e›
Occ
upan
t bor
row
er m
ust q
ualif
y fo
r loa
n; M
anua
l qua
lific
atio
n ra
tio 4
3%
›O
ccup
ant b
orro
wer
mus
t ver
ify 5
% in
vest
men
t fro
m o
wn
fund
s (w
aive
d if
LTV/
CLT
V <
= 80
%)
›N
on-o
ccup
ant b
orro
wer
mus
t be
on s
epar
ate
appl
icat
ion
6/11
/201
3,
366/
11/2
013,
36
Max
imum
DTI
Rat
ios
•FN
MA
›D
U A
ppro
ve/E
ligib
le:
Max
DTI
of 5
0%
•FH
LMC
›LP
Acc
ept
Max
DTI
of 4
5%
›LP
Cau
tion
and
man
ually
und
erw
ritte
n lo
ans
are
not p
erm
itted
6/11
/201
3,
376/
11/2
013,
37
Max
imum
DTI
Rat
ios
(con
t)
•D
U R
efer
, Out
of S
cope
and
man
ually
und
erw
ritte
n lo
ans
›28
/36%
DTI
›>3
6% <
45%
requ
ire d
ocum
ente
d co
mpe
nsat
ing
fact
or(s
):
Esta
blis
hed
hist
ory
of h
ousi
ng e
xpen
se >
= p
ropo
sed
hous
ing
paym
ent
Dem
onst
rate
d ab
ility
to a
pply
mor
e in
com
e to
hou
sing
exp
ense
Dem
onst
rate
d ab
ility
to m
aint
ain
savi
ngs,
cre
dit h
isto
ry a
nd d
ebt f
ree
posi
tion
Sign
ifica
nt c
ash
dow
n pa
ymen
t on
purc
hase
of t
he p
rope
rty
Sign
ifica
nt re
sidu
al in
com
e
Subs
tant
ial n
et w
orth
, liq
uid
and
othe
r ver
ified
ass
ets
6/11
/201
3,
386/
11/2
013,
38
Cre
dit S
core
s
•Th
e m
inim
um c
redi
t sco
re fo
r mos
t FN
MA
Con
form
ing
loan
s is
620+
.›
Ris
kier
loan
term
s, s
uch
as a
n In
vest
men
t pro
perty
, 2 –
4 un
its,
man
ual u
nder
writ
es o
r a c
ash
out r
efin
ance
wou
ld re
quire
bo
rrow
ers
to h
ave
high
er s
core
s.
*Gre
en T
ree
has
high
er F
ICO
requ
irem
ents
for n
on-d
eleg
ated
clie
nts
with
FIC
O <
680
and
LTV
’s >
95%
See
Pro
duct
Sum
mar
y
**Fo
r LP/
FHLM
C M
inim
um 7
00 c
redi
t sco
re is
requ
ired
for L
TV/C
LTV
grea
ter t
han
80%
Plea
se re
view
Pro
duct
Mat
rices
for f
ull d
etai
ls.
Addi
tiona
l res
trict
ion
may
app
ly.
6/11
/201
3,
396/
11/2
013,
39
Trad
ition
al C
redi
t
›Tr
i-Mer
ged
Cre
dit R
epor
t
›R
esid
entia
l Mor
tgag
e C
redi
t Rep
ort (
RM
CR
)A
hig
h le
vel c
redi
t rep
ort w
here
cre
dit b
urea
u ag
ency
con
tact
s ea
ch
cred
itor o
n cr
edit
lines
with
an
outs
tand
ing
bala
nce
to p
rovi
de th
e cu
rrent
st
atus
.
6/11
/201
3,
406/
11/2
013,
40
Non
Tra
ditio
nal C
redi
t
•N
on T
radi
tiona
l Cre
dit i
s pe
rmitt
ed fo
r tho
se w
ho re
ceiv
e a
DU
Out
of
Sco
pe R
ecom
men
datio
n du
e to
lack
of c
redi
t his
tory
›A
min
imum
cre
dit s
core
doe
s no
t app
ly to
loan
s w
ith n
on-tr
aditi
onal
cre
dit.
›Fo
ur n
on-tr
aditi
onal
line
s ar
e re
quire
d re
flect
0x3
0 in
the
mos
t rec
ent 1
2 m
onth
s.
Ref
er to
the
Gre
en T
ree
Clie
nt G
uide
: Cha
pter
6F.
•A
vaila
ble
for t
he fo
llow
ing
fully
am
ortiz
ed p
rodu
cts
•U
nder
writ
ing
mus
t doc
umen
t com
pens
atin
g fa
ctor
s an
d ju
stify
thei
r ap
prov
ed o
n th
e U
nder
writ
ing
Tran
smitt
al (F
NM
A 1
008)
.
6/11
/201
3,
416/
11/2
013,
41
Hou
sing
Pay
men
t His
tory
•H
ousi
ng (M
ortg
age/
Ren
tal)
Paym
ent H
isto
ry (P
ITIA
) is
incl
usiv
e of
all
liens
rega
rdle
ss o
f pos
ition
, as
wel
l as
all o
ccup
ancy
type
s.›
DU
App
rove
/Elig
ible
Mor
tgag
e hi
stor
y ev
alua
ted
by A
US
Ren
tal h
isto
ry is
not
requ
ired
›O
ut o
f Sco
pe o
r Man
ual U
nder
writ
eM
ortg
age/
Ren
tal h
isto
ry: 0
x 3
0 in
last
12
mon
ths
6/11
/201
3,
426/
11/2
013,
42
Und
erw
ritin
g A
utho
rity
•D
eleg
ated
›El
igib
le to
und
erw
rite
or s
end
to G
reen
Tre
e
•C
ondi
tiona
l Del
egat
ed
›R
equi
res
App
rove
/Elig
ible
or a
n Ac
cept
reco
mm
enda
tion
›O
ther
wis
e su
bmit
to G
reen
Tre
e
•N
on-D
eleg
ated
/Who
lesa
le
›Su
bmit
to G
reen
Tre
e
•W
hole
sale
/Bro
ker C
lient
s
›Su
bmit
to G
reen
Tre
e O
nly
6/11
/201
3,
436/
11/2
013,
43
Doc
umen
tatio
n O
ptio
ns
•St
anda
rd/F
ull D
ocum
enta
tion
•A
ltern
ativ
e D
ocum
enta
tion
›A
US
will
allo
w fo
r red
uced
doc
umen
tatio
n
Det
erm
ined
by
DU
or L
P!
Ava
ilabl
e fo
r all
Con
form
ing
Prod
ucts
*see
pro
duct
mat
rix fo
r mor
e in
form
atio
n
6/11
/201
3,
446/
11/2
013,
44
Verif
ying
Em
ploy
men
t
•St
anda
rd V
OE
a cu
rren
t pay
stub
& W
2(o
r)•
Verb
al v
erifi
catio
n of
em
ploy
men
t & fo
llow
AU
S F
indi
ngs
•IR
S 45
06T
mus
t be
proc
esse
d an
d in
com
e va
lidat
ed fo
r mos
t re
cent
2 y
ears
thro
ugh
Rap
id R
epor
ting.
›1
year
s ta
x va
lidat
ion
is a
ccep
tabl
e fo
r AU
loan
s re
quiri
ng le
ssth
an 2
ye
ars
of in
com
e an
d em
ploy
men
t ver
ifica
tion.
6/11
/201
3,
456/
11/2
013,
45
Doc
umen
ting
Ass
ets
•St
anda
rd V
OD
a
cur
rent
ban
k st
atem
ent
(or)
•Pr
ovid
e th
e nu
mbe
r of m
onth
s ba
nk s
tate
men
ts re
quire
d by
AU
S›
Mus
t be
cons
ecut
ive
mon
ths
•An
y an
d al
l lar
ge d
epos
its o
n ba
nk s
tate
men
t or V
OD
mus
t be
addr
esse
d an
d su
ppor
ted
with
add
ition
al d
ocum
enta
tion
to v
erify
the
sour
ce o
f the
fund
s.
6/11
/201
3,
466/
11/2
013,
46
Min
imum
Bor
row
er In
vest
men
t & G
ifts
•G
ifts
are
acce
ptab
le a
fter m
inim
um b
orro
wer
inve
stm
ent i
s m
et.
•M
inim
um In
vest
men
t is
wai
ved
whe
n gi
ft fu
nds
redu
ce L
TV/C
LTV
to <
80%
.
•In
vest
men
t pro
perti
es:
›G
ifts
are
not p
erm
itted
Occ
upan
cyM
inim
um B
orro
wer
Inve
stm
ent f
rom
ow
n fu
nds
Prim
ary
Res
iden
ce-W
/LTV
95.
01%
-97%
Fann
ie M
ae O
NLY
3%
Prim
ary
Res
iden
ce-W
/LTV
95%
or l
ess
5%Se
cond
Hom
e
Inve
stm
ent P
rope
rtyEn
tire
Dow
n Pa
ymen
t
6/11
/201
3,
476/
11/2
013,
47
Selle
r Con
trib
utio
ns•
A Se
ller o
r Int
eres
ted
party
of t
he tr
ansa
ctio
n ca
nnot
con
tribu
te
tow
ard
a bu
yers
dow
n pa
ymen
t, on
ly c
losi
ng c
osts
.•
Prim
ary
Res
iden
ce a
nd S
econ
d H
ome:
›
3% fo
r CLT
V >
90%
<97
%
›6%
for C
LTV
>75
% <
90%
›9%
for C
LTV
<75
%
•In
vest
men
t Pro
perty
›2%
6/11
/201
3,
486/
11/2
013,
48
Res
erve
s
•AU
S de
term
ines
the
rese
rves
requ
ired:
›O
nly
verif
y th
ose
asse
ts a
nd re
serv
es r
equi
red
by D
U
›Al
l ass
ets
that
are
ent
ered
into
LP
mus
t be
docu
men
ted.
›Th
e am
ount
of r
eser
ves
can
vary
dep
endi
ng o
n oc
cupa
ncy
type
s.
›C
ash
back
and
/or g
ift fu
nds
that
rem
ain
afte
r clo
sing
can
not b
e us
ed to
mee
t res
erve
s.
6/11
/201
3,
496/
11/2
013,
49
App
rais
al R
equi
rem
ents
•Fo
llow
DU
Rec
omm
enda
tion:
›An
Inte
rior a
nd E
xter
ior A
ppra
isal
Rep
ort (
or) P
IW
Ow
ner-o
ccup
ied
and
seco
nd h
ome
prop
ertie
s in
Wes
t Virg
inia
will
requ
ire a
n In
terio
r and
Ex
terio
r App
rais
al R
epor
t (Fo
rm 1
004)
.
•LP
Acc
ept/E
ligib
le
›An
Inte
rior a
nd E
xter
ior A
ppra
isal
Rep
ort i
s re
quire
d!
›Th
e fo
llow
ing
appr
aisa
l typ
e ar
e no
tper
mitt
ed:
Exte
rior O
nly
Appr
aisa
l Rep
ort (
Form
205
5)
Prop
erty
Insp
ectio
n A
ltern
ativ
e (P
IA)
LP C
ondi
tion
and
Mar
keta
bilit
y R
epor
t (Fo
rm 2
070)
6/11
/201
3,
506/
11/2
013,
50
Ord
erin
g th
e A
ppra
isal
•Br
oker
/Who
lesa
le C
lient
s m
ust u
se S
treet
Link
s to
ord
er th
e ap
prai
sal.
›w
ww
.stre
etlin
ks.c
om›
Stre
etLi
nks
Trai
ning
is o
ffere
d th
roug
h G
reen
Tre
e. S
ee o
ur tr
aini
ng
cale
ndar
to re
gist
er fo
r the
nex
t cla
ss.
•D
eleg
ated
& N
on-D
eleg
ated
Cor
resp
onde
nts
do n
ot n
eed
to
use
Stre
et L
inks
on
Con
vent
iona
l Con
form
ing
loan
s.›
You
will
nee
d to
cer
tify
the
appr
aisa
l was
ord
ered
in c
ompl
ianc
ew
ith A
ppra
iser
Inde
pend
ence
Req
uire
men
ts.
6/11
/201
3,
516/
11/2
013,
51
Gre
en T
ree
Con
form
ing
Prod
ucts
Que
stio
ns?
6/11
/201
3,
526/
11/2
013,
52
Furt
her I
nfor
mat
ion
•R
efer
to:
›G
reen
Tre
e W
ebsi
tew
ww
.gtc
orre
spon
dent
.com
›Th
e C
lient
Gui
de›
Pro
duct
Mat
rix
•C
onta
ct:
›C
lient
Ser
vice
s
877-
700-
4622
, Opt
ion
9
Cor
resp
onde
nt_L
endi
ng@
gtor
igin
atio
ns.c
om
›Yo
ur S
ales
Dire
ctor
or A
ccou
nt E
xecu
tive
›M
icha
el.T
illm
an@
gtor
igin
atio
ns.c
om
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