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LENDING
CRITERIA
SPARKLE
FOR HIGH
NETWORTH
ULTRA
MID RATE
ALT A
COPPER
EXCEPTION
ALT A
RENTQUAL
PRO
INVESTOR
LENDING CRITERIA

MINIMUM FICO SCORE

SPARKLEFOR HIGH NETWORTH

700

ULTRA MID RATE ALT A

620

COPPEREXCEPTION ALT A

620

RENTQUALPRO INVESTOR

640

LENDING CRITERIA

MAX LTV

SPARKLEFOR HIGH NETWORTH

70%

ULTRA MID RATE ALT A

80%

COPPEREXCEPTION ALT A

85%

RENTQUALPRO INVESTOR

75%

LENDING CRITERIA

PROPERTY TYPES

SPARKLEFOR HIGH NETWORTH

SFR / PUD

ULTRA MID RATE ALT A

SFR / CONDO 2-4 UNITS

COPPEREXCEPTION ALT A

SFR/CONDO/2-4 UNITS

RENTQUALPRO INVESTOR

SFR/CONDO/ 2-4 UNITS

LENDING CRITERIA

BORROWER ELIGIBILITY

SPARKLEFOR HIGH NETWORTH

SELF EMPLOYED ONLY

ULTRA MID RATE ALT A

SELF EMPLOYED

COPPEREXCEPTION ALT A

SELF EMPLOYED

RENTQUALPRO INVESTOR

SELF EMPLOYED OR W-2

LENDING CRITERIA

INCOME DOCUMENTATION

SPARKLEFOR HIGH NETWORTH

6 MONTHS BANK STMT

ULTRA MID RATE ALT A

24 MONTHS BANK STMT

COPPEREXCEPTION ALT A

24 MONTHS BANK STMT

RENTQUALPRO INVESTOR

RENTAL INCOME

LENDING CRITERIA

MINIMUM LOAN AMOUNT

SPARKLEFOR HIGH NETWORTH

417,001K

ULTRA MID RATE ALT A

100K

COPPEREXCEPTION ALT A

100K

RENTQUALPRO INVESTOR

100K

LENDING CRITERIA

MAXIMUM LOAN AMOUNT

SPARKLEFOR HIGH NETWORTH

$2.5 MILLION

ULTRA MID RATE ALT A

$3 MILLION

COPPEREXCEPTION ALT A

$2.5 MILLION

RENTQUALPRO INVESTOR

$2.5 MILLION

LENDING CRITERIA

OCCUPANCY REQUIREMENT

SPARKLEFOR HIGH NETWORTH

O/O | 2ND HOME

ULTRA MID RATE ALT A

O/O | 2ND HOME/INVESTMENT

COPPEREXCEPTION ALT A

O/O | 2ND HOME/INVESTMENT

RENTQUALPRO INVESTOR

RENTAL ONLY

LENDING CRITERIA

LOAN PURPOSE

SPARKLEFOR HIGH NETWORTH

PUR / REFI CASH-OUT

ULTRA MID RATE ALT A

PUR / REFI CASH-OUT

COPPEREXCEPTION ALT A

PUR / REFI CASH-OUT

RENTQUALPRO INVESTOR

PUR / REFI CASH-OUT

LENDING CRITERIA

BK/FORECLOSURE/SHORT SALE

SPARKLEFOR HIGH NETWORTH

NOT ALLOWED

ULTRA MID RATE ALT A

1 / 1 / 1 YR

COPPEREXCEPTION ALT A

2 / 3 / 2 YRS

RENTQUALPRO INVESTOR

2 / 3 / 2 YRS

LENDING CRITERIA

RESERVES REQUIRED (PITI)

SPARKLEFOR HIGH NETWORTH

$100K plus 6 MONTHS

ULTRA MID RATE ALT A

6 MONTHS

COPPEREXCEPTION ALT A

6 MONTHS

RENTQUALPRO INVESTOR

ZERO

LENDING CRITERIA

DTI RATIO

SPARKLEFOR HIGH NETWORTH

33% / 43%

ULTRA MID RATE ALT A

38% / 45%

COPPEREXCEPTION ALT A

38% / 45%

RENTQUALPRO INVESTOR

NO MAX

LENDING CRITERIA

TERM

SPARKLEFOR HIGH NETWORTH

5/1 ARM

ULTRA MID RATE ALT A

5/1 & 7/1 ARM

COPPEREXCEPTION ALT A

30 YR FIXED

RENTQUALPRO INVESTOR

5/1 ARM

LENDING CRITERIA

DAYS TO CLOSE

SPARKLEFOR HIGH NETWORTH

30

ULTRA MID RATE ALT A

35

COPPEREXCEPTION ALT A

35

RENTQUALPRO INVESTOR

30

LENDING CRITERIA

CASH OUT LIMIT

SPARKLEFOR HIGH NETWORTH

$400k

ULTRA MID RATE ALT A

$1,000,000

COPPEREXCEPTION ALT A

$200k

RENTQUALPRO INVESTOR

$500k

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