2026
REALTOR REFERENCE GUIDE
VA Funding Fee* (Purchases)
TRID-TILA-RESPAIntegrated Disclosure:setsnewdisclosure standardsforrealestate transactions
LE-LoanEstimate:replacesthe GoodFaithEstimateand theTruthinLendingDisclosure
Terms To Know
CD-ClosingDisclosure:replaces theHUD-1SettlementSheet;buyers mustreceiveCDatleast3days priortoclosing
Note: Veterans Affairs loans require a funding fee, which is based on var ous oan characteristics Sales price cannot exceed the appraised value Purchases (only) must have Automatic Underwr ting System (AUS) approval n a purchase transaction, reasonable clos ng costs may be paid by the sel er, and the program is available with no points depending on credit profile, collateral and current mortgage history
Loan Program Options for Every Need
Agency Conforming Loans
Extended Rate Locks Programs
Renovation Loans
Non-Warrantable Condos
USDA Loans
Non-QM Products
Super Jumbo Loans
Down Payment Assitance programs
DSCR and other non-traditional options
50% annually for > 95% and loan amount under $726,200
Condos
Financing available on conventional loans for primary residences. FHA and VA financing must include property part of an approved Condo list. Please contact your loan officer for details
2026
2026 Conventional & FHA Loan Limits
REALTOR REFERENCE GUIDE
TRID-TILA-RESPAIntegrated Disclosure:setsnewdisclosure standardsforrealestate transactions
LE-LoanEstimate:replacesthe GoodFaithEstimateand theTruthinLendingDisclosure
USDA: 0% down
VA: 0% down
Conventional: 3% down
HomeReady: 3% down HomePossible: 3% down FHA: 3.5% down *Closing costs and fees may apply
VA Funding Fee* (Purchases)
Note: Veterans Affairs loans require a fund ng fee, which s based on various loan character stics Sales price cannot exceed the appraised value Purchases (only) must have Automatic Underwriting System (AUS) approval n a purchase transaction reasonable closing costs may be paid by the seller, and the program is available with no points depending on credit profile, collateral, and current mortgage history
Loan Program Options for Every Need
Agency Conforming Loans
Extended Rate Locks Programs
Renovation Loans
Non-Warrantable Condos
USDA Loans
Non-QM Products
Super Jumbo Loans
1
Financing available on conventional loans for primary residences FHA and VA financing must include property part of an approved Condo list Please contact your loan officer for details
CD-ClosingDisclosure:replaces theHUD-1SettlementSheet;buyers mustreceiveCDatleast3days priortoclosing
Terms To Know Low to No-Money Down* Options for Qualified Borrowers
2026
2026 Conventional & FHA Loan Limits
REALTOR REFERENCE GUIDE
VA limits for 100% financing vary; contact us for more details.
3
VA Funding Fee* (Purchases)
Agency Conforming Loans
Extended Rate Locks Programs
Note: Veterans Affairs loans require a funding fee which is based on various loan characteristics Sales price cannot exceed the appraised value Purchases (only) must have Automatic Underwriting System (AUS) approval n a purchase transaction, reasonable closing costs may be paid by the seller, and the program is available with no points depending on credit profile, collateral, and current mortgage history
Renovation Loans
Non-Warrantable Condos
USDA Loans
Non-QM Products
Super Jumbo Loans
Loan Program Options for Every Need
Financing available on conventional loans for primary residences FHA and VA financing must include property part of an approved Condo list Please contact your loan officer for details
1 75% upfront 0 55% annually if LTV>95%
0.80% annually if LTV≤90%
Condos
FHA Mortgage Insurance Premiums
TRID-TILA-RESPAIntegratedDisclosure: setsnewdisclosurestandardsforreal estatetransactions
LE-LoanEstimate:replacestheGood FaithEstimateand theTruthinLendingDisclosure
Terms To Know
CD-ClosingDisclosure:replacesthe HUD-1SettlementSheet;buyersmust receiveCDatleast3dayspriorto closing
2026 REALTOR REFERENCE GUIDE
Debt to Income Ratio Total
Debt Ratio
Verified Gift Funds from an eligible source can be used for required down payment on owner occupied and second home purchases Bonus Reference
