Other Programs (best sellers):

 Program Name

 Conf or Jumbo

Fico 

Features

 EZBMR

 Conf up to 4units

620 (740 for MI)

probably the best rate out there

 EZ5DOWN

 Conforming

 720+ (for MI reasons)

see above

 PUREARM

 Jumbo

 Prime (740 for I/O)

 *replacing with a 5/1 jumbo program in the 5's*

 The Combo (have it your way)

Conforming 1st and piggy 2nd

700 (due to 2nd)

 1st either conforming or agency jumbo plus a 2nd HELOC @ prime up to 75 cltv (not 70)

 EZVOE (must get automated VOE findings)

 Conforming

 680+

 If the employer is willing to include all the borrower income on a written VOE

EZIO2

 (guidelines at end of this week)

 Jumbo

 680 for I/O, 650 for regular

up to 1.2 million loan amount with a low rate 75 cltv

 Loan Modification (referral)

 Get set up easily