Loan Programs

A Paper
Fixed Rates
30 Year Fixed
20 Year Fixed
15 Year Fixed
10 Year Fixed

*Stated Income Available
*Interest Only Available
Adjustable Rate Arms
1 Year Arm
3 Year Arm
5 Year Arm
7 Year Arm

*Stated Income Available
*Interest Only Available



Sub-Prime
Fixed Rates
30 Year Fixed
20 Year Fixed
15 Year Fixed

*Stated Income Available
*Interest Only Available
Adjustable Rate Arms
2/28
3/27
5/25

*Stated Income Available
*Interest Only Available



100% Financing
Fixed Rates
30 Year Fixed
20 Year Fixed
15 Year Fixed

*Stated Income Available
*Interest Only Available
Adjustable Rate Arms
3 Year Arm
5 Year Arm
7 Year Arm

*Stated Income Available
*Interest Only Available



General Guidelines

A Paper
Sub-Prime & 100% Financing
Fico – 680 Above Fico – 680 Below
Minimum Loan Amount 125,000 Minimum Loan Amount 125,000
Hits For Cash Out No Hits For Cash Out
70% - 75% LTV ADD  0.250 To Points N/A
75% - 80% LTV ADD  0.500 To Points N/A
80% - 90% LTV ADD  0.750 To Points N/A
Private Mortgage Insurance Above 80% LTV No Private Mortgage Insurance
No Pre Payment Penalty Pre Payment Penalty
30 Day Lock Required No Lock Required
Hit For Stated ADD  0.500 To Points Hit For Stated ADD  0.500 To Points
Hit For Interest Only ADD  0.500 To Points Hit For Interest Only ADD  0.500 To Points
Loan Size >750,000 ADD  0.500 To Points Loan Size >750,000 ADD  0.500 To Points

All loans are 1st Mortgages only. At this time Loans Alive does not offer Second
Mortgages, Second Homes, Piggybacks, FHA, Investment, Land or Commercial loans.



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