Plaza Program Guidelines

Construction LoansDocument Date
Conventional Converted Construction-to-Permanent Program Guidelines - Correspondent10/28/2025
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Conventional Program GuidelinesDocument Date
Agency Express12/1/2025
Conforming ARM12/1/2025
Conforming Fixed12/1/2025
High Balance Fixed12/1/2025
Home Possible Conforming & Super Conforming12/1/2025
HomeReady Conforming & High Balance Fixed 12/1/2025
HomeStyle Conforming & High Balance Fixed12/1/2025
Refi Possible Conforming Fixed12/1/2025
RefiNow Conforming Fixed12/1/2025
Super Conforming ARM12/1/2025
Super Conforming Fixed12/1/2025
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Correspondent GuidelinesDocument Date
Closed-End Second Lien - Correspondent12/8/2025
Conforming ARM - Correspondent12/1/2025
Conforming Fixed - Correspondent12/1/2025
DSCR Investor Solutions 1 - Correspondent1/8/2026
DSCR Investor Solutions 2 - Correspondent1/13/2026
DSCR Investor Solutions 3 - Correspondent1/8/2026
DSCR Investor Solutions 4 - Correspondent1/8/2026
FHA 100% CLTV Combo - Correspondent1/2/2026
FHA 203(h) - Correspondent1/2/2026
FHA 203(k) - Correspondent1/2/2026
FHA Converted Construction to Permanent - Correspondent10/28/2025
FHA Fixed and ARM - Correspondent1/2/2026
FHA Streamline Refinance - Correspondent10/28/2025
High Balance Fixed - Correspondent10/28/2025
Home Possible Conforming & Super Conforming - Correspondent12/1/2025
HomeReady Conforming & High Balance Fixed - Correspondent12/1/2025
HomeStyle Conforming and High Balance Fixed - Correspondent12/1/2025
Investor AUS Interest Only - Correspondent3/25/2025
Jumbo AUS 1 - Correspondent12/4/2025
Jumbo AUS 2 - Correspondent1/13/2026
Jumbo AUS 3 - Correspondent1/13/2026
Jumbo Champion Fixed and ARM - Correspondent10/28/2025
Jumbo Elite - Correspondent1/13/2026
Refi Possible Conforming Fixed - Correspondent12/1/2025
RefiNow Conforming Fixed - Correspondent12/1/2025
Section 184 Indian Home Loan Guarantee - Correspondent1/8/2026
Solutions Non-QM 1 – Correspondent1/8/2026
Solutions Non-QM 3 - Correspondent1/8/2026
Solutions Non-QM 4 – Correspondent1/8/2026
Super Conforming ARM - Correspondent10/28/2025
Super Conforming Fixed - Correspondent10/28/2025
USDA Guaranteed Rural Housing - Correspondent1/2/2026
USDA Guaranteed Rural Housing Renovation - Correspondent1/2/2026
VA Fixed and ARM - Correspondent1/2/2026
VA IRRRL - Correspondent1/2/2026
VA Renovation - Correspondent1/2/2026
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Government Program GuidelinesDocument Date
FHA 100% CLTV Combo - Wholesale1/2/2026
FHA 203(h) 1/2/2026
FHA 203(k)1/2/2026
FHA Fixed and ARM Conforming & High Balance 1/2/2026
USDA Guaranteed Rural Housing1/2/2026
USDA Guaranteed Rural Housing Renovation1/2/2026
VA Fixed and ARM1/13/2026
VA IRRRL1/13/2026
VA Renovation1/2/2026
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Non-Conforming Program GuidelinesDocument Date
Closed-End Second Lien12/8/2025
DSCR Investor Solutions 11/8/2026
DSCR Investor Solutions 21/13/2026
DSCR Investor Solutions 31/8/2026
DSCR Investor Solutions 41/8/2026
FHA Converted Construction to Permanent - Correspondent10/28/2025
Investor AUS Interest Only3/25/2025
Jumbo AUS 112/4/2025
Jumbo AUS 21/13/2026
Jumbo AUS 31/13/2026
Jumbo Champion10/28/2025
Jumbo Elite 1/13/2026
Solutions Non-QM 11/8/2026
Solutions Non-QM 31/8/2026
Solutions Non-QM 41/8/2026
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Product Snapshots + ComparisonsDocument Date
3% Down Conventional Comparison6/1/2024
Adjustable Rate Mortgages Product Comparison11/16/2023
Adjustable Rate Mortgages Product Comparison - Correspondent6/1/2024
Agency Express Conforming & High Balance Fixed Snapshot12/1/2025
Closed-End Second Lien Snapshot12/8/2025
Conforming ARM Snapshot12/1/2025
Conforming Fixed Snapshot12/1/2025
Conventional Converted Construction-to-Permanent Product Snapshot7/8/2025
Conventional High Balance and Super Conforming Comparison9/2/2025
DSCR Investor Solutions 1 Snapshot1/8/2026
DSCR Investor Solutions 2 Snapshot1/13/2026
DSCR Investor Solutions 3 Snapshot1/8/2026
DSCR Investor Solutions 4 Snapshot1/8/2026
DSCR Investor Solutions Program Comparison1/14/2026
Fannie Mae HomeReady Snapshot12/1/2025
Fannie Mae HomeStyle Snapshot12/1/2025
FHA 100% CLTV Combo Snapshot - Correspondent1/2/2026
FHA 100% CLTV Combo Snapshot - Wholesale1/2/2026
FHA 203(h) Snapshot5/23/2025
FHA 203(k) Snapshot8/19/2025
FHA 203(k) Snapshot - Correspondent8/19/2025
FHA Converted Construction to Permanent Snapshot - Correspondent9/11/2025
FHA Fixed and ARM Snapshot12/4/2025
FHA Streamline Snapshot5/7/2025
Freddie Mac Home Possible Snapshot12/1/2025
Investor AUS Interest Only Snapshot3/25/2025
Jumbo AUS 1 Snapshot12/4/2025
Jumbo AUS 2 Snapshot5/8/2025
Jumbo AUS 3 Snapshot12/4/2025
Jumbo AUS and Solutions Non-QM Comparison6/1/2024
Jumbo Champion Fixed and ARM Snapshot10/28/2025
Jumbo Champion Fixed and ARM Snapshot - Correspondent10/28/2025
Jumbo Comparison6/1/2024
Jumbo Elite Snapshot3/18/2025
Manufactured Housing Comparison9/11/2025
Path to Recovery Comparison6/1/2024
Private Mortgage Insurance (PMI) Product Comparison Correspondent8/30/2021
Private Mortgage Insurance (PMI) Product Comparison Wholesale8/30/2021
Refi Possible Conforming Fixed Snapshot12/1/2025
RefiNow Conforming Fixed Snapshot12/1/2025
Renovation Comparison6/1/2024
Renovation Comparison - Correspondent 6/1/2024
Renovation Comparison Expanded for Correspondents12/4/2024
Solutions Non-QM 1 Snapshot12/8/2025
Solutions Non-QM 3 Snapshot12/8/2025
Solutions Non-QM 4 Snapshot1/8/2026
Solutions Non-QM Program Comparison12/8/2025
Student Loan Calculation Comparison6/1/2024
Super Conforming ARM Snapshot9/2/2025
USDA Guaranteed Rural Housing Renovation Snapshot1/2/2026
USDA Rural Housing Snapshot1/2/2026
VA IRRRL Snapshot1/2/2026
VA Purchase or Cash Out Refinance Snapshot1/2/2026
VA Purchase or Cash Out Refinance Snapshot - Correspondent1/2/2026
VA Renovation Snapshot1/2/2026
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Underwriting GuidelinesDocument Date
Credit Guidelines - Wholesale & Mini-Correspondent1/15/2026
Manufactured Housing Guidelines GD-UG-01511/18/2025
Texas Home Equity Section 50(a)(6) Internal Only4/29/2025
Wholesale Broker Guide12/31/2025
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