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loanDepot’s full service scenario desk is a team of highly qualified mortgage professionals dedicated to helping you with: • Structuring loan scenarios • Interpreting underwriting guidelines • Assist with complex income analysis

• Co-ops in all states • Non Warrantable Condos • Condo-tels • Hobby farms • Reverse mortgages • 100% concentration in a 2 unit condominium projects (for the same borrower!)

• Non Agency options for unlimited cash-out

• 1 day seasoning on a major mortgage derogatory event, including foreclosure • Non conforming products that offer no equity required in a departing residence and no land lord history to use new rental income • Non conforming programs that follow Freddie’s rental income calculation

YOU HAVE HIGH LTV/CLTV JUMBO OPTIONS AND THEY ARE ONLY GETTING BETTER! loanDepot Jumbo Advantage: 95% LTV up to $1.5MM fixed, 90% LTV up to $1.5MM ARM 40 Year Interest Only: 95% CLTV up to $1.5MM Non Conforming correspondent programs that offer several financing scenario options: • Alliant Credit Union: 85% up to $1.5MM, 90% up to $1.25MM or 95% up to $850K (LPMI required) • Associated: 90% LTV up to $1MM -or- 95% LTV up to $650K (MI required) • Chase: 85% LTV up to $3MM • SG Capital: 85% LTV to $1,000,000 • TIAA: 89.90% LTV to $1,000,000 • US Bank: 90% LTV up to $900K • Webster Bank: 90% CLTV with first loan amount at 80% LTV up to $1MM

• Flagstar – Construction to Perm one close conforming and non conforming loan (up to $3 million) • US Alliance jumbo construction Eligible States: MA, NY, NJ, CT, RI & NH (ME & PA by exception only) • FHA 203K: Minimum credit score of 580, no overlays. We underwrite to FHA guidelines.

• Fannie Mae HomeStyle. Investor rehab included.

• VA Renovation: Loan amounts up to $1.5 million • VA Standard Reno with no imposed maximums

It can be challenging for a United States citizen who lives and works abroad to purchase a residential property in the United States. We have several options to meet these scenarios. Each investor has different guidelines; some require US credit, some will require foreign credit, almost all will require foreign income be claimed on US tax returns.

Check with Scenarios for your specific situation!

INVESTORS WHO WILL CONSIDER: • Advancial Mortgage – Agency & Non-Agency loan amounts • Associated Bank – Agency & Non-Agency loan amounts, must be paid in US dollars and work for a US company • People’s United Bank – Income in US dollars and filed on US tax returns • Greenbox - Foreign Nationals (up to $3 million), Bank Statement (up to $3 million), ITIN (up to $1 million)

With the following investors, you can deduct alimony from income instead of including as a liability; this can make a HUGE difference it in the DTI calculation.

• Banc of California

EXPENSED

INCOME DEDUCTION

• Axos

DEBT

$2,000

$2,000

• FHA

ALIMONY PAID

$1,000

Deducted from income

• Union Bank

TOTAL DEBT

$3,000

$2,000

• Wells Fargo

INCOME

$6,000

$5,000 ($6k–$1k)

• Advancial

DEBT TO INC.

50%

40%

Structuring a first and second is an alternative to the borrower paying PMI. We offer several second mortgage programs: • loanDepot closed end second (scheduled release early 2019)

• TCF HELOC • Tower FCU HELOC • US Bank 80/10/10 with a closed end second • US Alliance HELOC

Each investor has distinct requirements.

Please contact Scenarios for details.

• Advancial

• Axos

• SG Capital

• Alliant

• TIAA

• Union Bank

• Banc of California

• Peoples United Bank

• US Bank Home Mortgage

** Note: The borrowers must be on the note as individuals in all cases. **

• • • •

Banc of California Axos Emigrant Washington Federal

• Axos • Union Bank

• Locks up to 360 days with a float down option • Covers both Jumbo and Conforming • Lock -N- Shop and Lock -N- Sell available for conforming, high balance, FHA, VA, and USDA

The information contained herein is for loanDepot employees only. Any public distribution is strictly prohibited. Rates, terms, and availability of programs are subject to change without notice. loanDepot.com, LLC, 26642 Towne Centre Drive, Foothill Ranch, CA 92610. All rights reserved. NMLS #174457 (www.nmlsconsumeraccess.org) AZ: Mortgage Banker/Broker with the Arizona Department of Financial Institutions #0911092. CA: Department of Business Oversight under the California Residential Mortgage Lending Act#4131040. CO: Colorado Department of Real Estate under a Mortgage Company Registration. CT: Connecticut Department of Banking as a Mortgage Lender #ML-174457. FL: Florida Lender License number MLD903. GA: Georgia Residential Mortgage Licensee #24020. IL: Illinois Residential Mortgage Licensee #MB.6760709. MA: loanDepot is a Mortgage Lender in Massachusetts License #MC174457. MD: Mortgage Lender by the Commissioner of Financial Regulation #06_18928.

MN: This is not an offer to enter into an interest rate lock agreement under Minnesota law. MS: Licensed by the Mississippi Department of Banking and Consumer Finance. NH: Licensed by the New Hampshire Banking Department. NJ: Licensed Mortgage Banker – NJ Department of Banking and Insurance. NY: Licensed Mortgage Banker – NYS Department of Financial Services. OR: License # ML4972. PA: First mortgage banker by the Department of Banking. RI: Rhode Island Licensed Lender. TN: under Mortgage License No. 110371; VA: mortgage lender and broker by the Virginia State Corporate Commission #MC-5431; WA: licensed by the Department of Financial Institutions under the Consumer Loan Act#CL-174457. Also licensed in: AK, AL, AR, DC, DE, HI, IA, ID, IN, KS, KY, LA, ME, MI, MO, NC, ND, NE, NM, NV, OH, OK, SC, SD, TX, UT, VT, WI, WV and WY. (011119 163493)