Plaza Program Guidelines

Construction Loans | Conventional Program Guidelines | Correspondent Guidelines | Government Program Guidelines | Non-Conforming Program Guidelines | Product Snapshots + Comparisons | Underwriting Guidelines |

Construction Loans	Document Date
Conventional Converted Construction-to-Permanent Program Guidelines - Correspondent	7/8/2025
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Conventional Program Guidelines	Document Date
Agency Express	8/22/2025
CHOICERenovation Conforming & Super Conforming Fixed [TEMPORARILY SUSPENDED]	7/18/2025
Conforming ARM	8/22/2025
Conforming Fixed	8/22/2025
High Balance Fixed	8/22/2025
Home Possible Conforming & Super Conforming	7/16/2025
HomeReady Conforming & High Balance Fixed	4/11/2025
HomeStyle Conforming & High Balance Fixed	4/11/2025
Refi Possible Conforming Fixed	4/11/2025
RefiNow Conforming Fixed	4/11/2025
Super Conforming ARM	8/22/2025
Super Conforming Fixed	8/22/2025
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Correspondent Guidelines	Document Date
CHOICERenovation Conforming & Super Conforming - Correspondent [TEMPORARILY SUSPENDED]	7/18/2025
Closed-End Second Lien - Correspondent	6/3/2025
Conforming ARM - Correspondent	4/11/2025
Conforming Fixed - Correspondent	7/16/2025
DSCR Investor Solutions 1 - Correspondent	6/25/2025
DSCR Investor Solutions 2 - Correspondent	7/1/2025
DSCR Investor Solutions 3 - Correspondent	7/1/2025
DSCR Investor Solutions 4 - Correspondent	8/19/2025
FHA 100% CLTV Combo - Correspondent	8/19/2025
FHA 203(h) - Correspondent	8/19/2025
FHA 203(k) - Correspondent	8/19/2025
FHA Converted Construction to Permanent - Correspondent	5/23/2025
FHA Fixed and ARM - Correspondent	8/19/2025
FHA Streamline Refinance - Correspondent	5/23/2025
High Balance Fixed - Correspondent	12/19/2024
Home Possible Conforming & Super Conforming - Correspondent	7/16/2025
HomeReady Conforming & High Balance Fixed - Correspondent	4/11/2025
HomeStyle Conforming and High Balance Fixed - Correspondent	4/11/2025
Investor AUS Interest Only - Correspondent	3/25/2025
Jumbo AUS 1 - Correspondent	1/30/2025
Jumbo AUS 2 - Correspondent	5/8/2025
Jumbo AUS 3 - Correspondent	5/8/2025
Jumbo Champion Fixed and ARM - Correspondent	6/16/2025
Jumbo Elite - Correspondent	6/3/2025
Refi Possible Conforming Fixed - Correspondent	4/11/2025
RefiNow Conforming Fixed - Correspondent	4/11/2025
Section 184 Indian Home Loan Guarantee - Correspondent	1/2/2025
Solutions Non-QM 1 – Correspondent	6/25/2025
Solutions Non-QM 3 - Correspondent	7/16/2025
Solutions Non-QM 4 – Correspondent	7/1/2025
Super Conforming ARM - Correspondent	12/19/2024
Super Conforming Fixed - Correspondent	12/19/2024
USDA Guaranteed Rural Housing - Correspondent	5/7/2025
USDA Guaranteed Rural Housing Renovation - Correspondent	1/2/2025
VA Fixed and ARM - Correspondent	4/11/2025
VA IRRRL - Correspondent	4/29/2025
VA Renovation - Correspondent	4/11/2025
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Government Program Guidelines	Document Date
FHA 100% CLTV Combo - Wholesale	8/19/2025
FHA 203(h)	8/19/2025
FHA 203(k)	8/19/2025
FHA Fixed and ARM Conforming & High Balance	8/19/2025
USDA Guaranteed Rural Housing	5/7/2025
USDA Guaranteed Rural Housing Renovation	1/2/2025
VA Fixed and ARM	4/11/2025
VA IRRRL	4/29/2025
VA Renovation	4/11/2025
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Non-Conforming Program Guidelines	Document Date
Closed-End Second Lien	6/3/2025
DSCR Investor Solutions 1	6/25/2025
DSCR Investor Solutions 2	7/1/2025
DSCR Investor Solutions 3	7/1/2025
DSCR Investor Solutions 4	8/19/2025
Investor AUS Interest Only	3/25/2025
Jumbo AUS 1	1/30/2025
Jumbo AUS 2	5/8/2025
Jumbo AUS 3	5/8/2025
Jumbo Champion	6/16/2025
Jumbo Elite	6/3/2025
Solutions Non-QM 1	6/25/2025
Solutions Non-QM 3	7/16/2025
Solutions Non-QM 4	7/1/2025
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Product Snapshots + Comparisons	Document Date
3% Down Conventional Comparison	6/1/2024
Adjustable Rate Mortgages Product Comparison	11/16/2023
Adjustable Rate Mortgages Product Comparison - Correspondent	6/1/2024
Agency Express Conforming & High Balance Fixed Snapshot	12/3/2024
CHOICERenovation Snapshot [TEMPORARILY SUSPENDED]	7/18/2025
Closed-End Second Lien Snapshot	6/3/2025
Conforming ARM Snapshot	12/3/2024
Conforming Fixed Snapshot	7/16/2025
Conventional Converted Construction-to-Permanent Product Snapshot	7/8/2025
Conventional High Balance and Super Conforming Comparison	11/19/2024
DSCR Investor Solutions 1 Snapshot	6/25/2025
DSCR Investor Solutions 2 Snapshot	7/1/2025
DSCR Investor Solutions 3 Snapshot	7/1/2025
DSCR Investor Solutions 4 Snapshot	8/19/2025
DSCR Investor Solutions Program Comparison	6/3/2025
Fannie Mae HomeReady Snapshot	4/11/2025
Fannie Mae HomeStyle Snapshot	11/19/2024
FHA 100% CLTV Combo Snapshot - Correspondent	8/19/2025
FHA 100% CLTV Combo Snapshot - Wholesale	8/19/2025
FHA 203(h) Snapshot	5/23/2025
FHA 203(k) Snapshot	8/19/2025
FHA 203(k) Snapshot - Correspondent	8/19/2025
FHA Converted Construction to Permanent Snapshot - Correspondent	5/23/2025
FHA Fixed and ARM Snapshot	8/19/2025
FHA Streamline Snapshot	5/7/2025
Freddie Mac Home Possible Snapshot	7/16/2025
Investor AUS Interest Only Snapshot	3/25/2025
Jumbo AUS 1 Snapshot	1/30/2025
Jumbo AUS 2 Snapshot	5/8/2025
Jumbo AUS 3 Snapshot	5/8/2025
Jumbo AUS and Solutions Non-QM Comparison	6/1/2024
Jumbo Champion Fixed and ARM Snapshot	3/18/2025
Jumbo Champion Fixed and ARM Snapshot - Correspondent	3/18/2025
Jumbo Comparison	6/1/2024
Jumbo Elite Snapshot	3/18/2025
Manufactured Housing Comparison	4/1/2024
Path to Recovery Comparison	6/1/2024
Private Mortgage Insurance (PMI) Product Comparison Correspondent	8/30/2021
Private Mortgage Insurance (PMI) Product Comparison Wholesale	8/30/2021
Refi Possible Conforming Fixed Snapshot	4/11/2025
RefiNow Conforming Fixed Snapshot	4/11/2025
Renovation Comparison	6/1/2024
Renovation Comparison - Correspondent	6/1/2024
Renovation Comparison Expanded for Correspondents	12/4/2024
Solutions Non-QM 1 Snapshot	6/25/2025
Solutions Non-QM 3 Snapshot	7/16/2025
Solutions Non-QM 4 Snapshot	7/1/2025
Solutions Non-QM Program Comparison	7/22/2025
Student Loan Calculation Comparison	6/1/2024
Super Conforming ARM Snapshot	11/19/2024
USDA Guaranteed Rural Housing Renovation Snapshot	1/2/2025
USDA Rural Housing Snapshot	5/7/2025
VA IRRRL Snapshot	4/29/2025
VA Purchase or Cash Out Refinance Snapshot	1/2/2025
VA Purchase or Cash Out Refinance Snapshot - Correspondent	6/18/2025
VA Renovation Snapshot	1/2/2025
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Underwriting Guidelines	Document Date
Credit Guidelines - Wholesale & Mini-Correspondent	8/11/2025
Manufactured Housing Guidelines GD-UG-015	5/7/2025
Texas Home Equity Section 50(a)(6) Internal Only	4/29/2025
Wholesale Broker Guide	5/1/2025
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