Loan Solutions | Wholesale Arc (2024)

Access & Edge Agency Plus

• Full Doc eligibility
• Access – Up to $3.5mm loan amount, max 90% LTV, FICO down to 660
• Edge – Max 85% LTV, up to $3.0mm loan amount, FICO down to 660
• View Product Matrix

Access Clean Slate

• Full and Alt Doc eligibility
• Offers 1x30 housing history OR derogatory credit seasoned 12-48 months
• Loan amounts to $1.5mm with 620 FICO
• Up to 85% LTV
• View Product Matrix

Access & Edge DSCR

• Access – Up to 80% LTV, DSCR down to .75, minimum 640 FICO, loan amount to $2.5mm
• Edge – DSCR down to .80, up to 80% LTV, minimum 700 FICO, loan amount to $3.0mm
• View Product Matrix

Access & Edge Alt Income

• Bank Statement, 1-Year Full Doc, CPA P&L, and 1099 qualifying options
• Asset Utilization and Asset Qualifier options available
• Access – Up to $3.5mm loan amount, max 90% LTV, FICO down to 660
• Edge – Max 85% LTV, up to $3.0mm loan amount, FICO down to 660
• View Product Matrix

Foreign National

• DSCR qualifying
• Loan amounts up to $1.5mm
• Up to 70% LTV
• View Product Matrix

Elite Jumbo Prime

• Full Doc eligibility
• Loan amounts to $2.5mm
• Up to 80% LTV
• FICO down to 660
• View Product Matrix

Elite Alt Income - Bank Statements, 1-Year Full Doc, 1099s

• 24-month personal and business bank statement options
• 2-year 1099 available
• Up to 80% LTV
• Loan amounts to $3mm with 680 FICO
• View Product Matrix

Elite Alt Income - Asset Utilization

• Loan amounts to $3mm
• Up to 80% LTV
• FICO down to 680
• View Product Matrix

Conventional 30 Year Fixed Rate Investment Property

• Loan amounts to $2mm
• Up to 85% LTV - no MI
• FICO down to 640
• AUS Underwriting - DU Approve or LPA Accept
• View Product Matrix

Access & Edge DSCR

• Access – Up to 80% LTV, DSCR down to .75, minimum 640 FICO, loan amount to $2.5mm
• Edge – DSCR down to .80, up to 80% LTV, minimum 700 FICO, loan amount to $3.0mm
• View Product Matrix

FNMA/FHLMC 30 Yr Fixed Second Home & FNMA/FHLMC 30 Yr Fixed Investment

• Loan amounts from $100,000 to Conforming loan limit
• Up to 80% LTV
• Credit score per AUS
• AUS Underwriting - DU Approve/Eligible or LPA Accept
• View Product Matrix

Foreign National

• DSCR qualifying
• Loan amounts up to $1.5mm
• Up to 70% LTV
• View Product Matrix

Fannie Mae

• Conventional and HomeReady® options
• Up to 97% LTV
• Standard and High Balance loan amounts permitted
• DU Approve/Eligible
• Fannie Mae Conforming and High Balance – Fixed Rate and ARM Matrix
• Fannie Mae HomeReady® – Fixed Rate and ARM Matrix
• HomeReady® Area Median Income Lookup

Freddie Mac

• Conventional up to 95% LTV
• Home Possible® up to 97% LTV
• Standard and High Balance loan amounts permitted
• LPA Accept
• Freddie Mac Conforming and Super Conforming – Fixed Rate and ARM Matrix
• Freddie Mac Home Possible® – Fixed Rate and ARM Matrix
• Home Possible Income and Property Eligibility Tool

USDA

• FICO down to 620
• Non-traditional credit permitted
• Standard and High Balance loan amounts permitted
• Streamlined-Assist Refinance available
• USDA Fixed Rate - Standard and High Balance Matrix
• USDA Fixed Rate - Streamlined-Assist Refinance - Standard and High Balance Matrix
• USDA Property Eligibility
• USDA Income Eligibility
• USDA HB-1-3555 (SFH Guaranteed Loan Program Technical Handbook)

FHA

• FICO down to 580
• 1-4 units, PUDs and HUD-approved condos
• Standard and High Balance loan amounts permitted
• Streamline Refinance available
• FHA Standard and High Balance – Fixed Rate and ARM Matrix
• FHA Streamline Standard and High Balance – Fixed Rate and ARM Matrix
• HUD/FHA Handbook 4000.1

VA

• Loan amounts to $1mm
• FICO down to 600
• Standard and High Balance loan amounts permitted
• Interest Rate Reduction Refinance (IRRRL) available
• VA Standard and High Balance – Fixed Rate and ARM Matrix
• VA IRRRL Standard and High Balance – Fixed Rate and ARM Matrix
• VA Portal

Elite Jumbo Prime

• Full Doc eligibility
• Loan amounts to $2.5mm
• Up to 80% LTV
• FICO down to 660
• Elite Jumbo Prime Product Matrices