No 4506T, No Tax Returns, No W‐2s, No Paystubs Easy, No Hassles, Net Premium Pricings up to 1.000% of loan amounts Qualify Salary borrowers with only a Verification Of Employment form executed by the employer. Wage‐Earners Only Min. 24‐month of employment & income with a same employer. MAX. DTI: 49.99% Credit scores as low as 640 Loan amounts up to agency loan limits Purchase & R/T Refinance: Max. 80% LTV Cash‐out: Max. 70% LTV Cash‐out: 6 months title seasoning is required Owner Occupied, 2nd Home & Investment SFR / PUD / Condo 100% Gift Allowed First‐Time Home Buyers are allowed Program code KVOE 30 | KVOE 7/1 * * Refer to guideline for more details Refer to page 8 of rate sheet PROGRAM HIGHTLIGHTS Property Type Max. LTV/CLTV Min. FICO 1 Unit SFR, PUD, CONDO 80% 700 75% 680 70% 640 2-4 Units 70% 700 Property Type Max. LTV/CLTV Min. FICO 1 Unit: SFR, PUD, CONDO 70% 680 2-4 Units 65% 700 Property Type Max. LTV/CLTV Min. FICO 1 Unit: SFR, PUD, CONDO 70% 700 2-4 Units 65% 700 PURCHASE & R/T REFINANCE Primary & Second Homes Investment Proper CASH-OUT REFINANCE Primary & Second Homes

Qualify Salary borrowers with only a Verification Of ... · No 4506T, No Tax Returns, No W˜2s, No Paystubs Easy, No Hassles, Net Premium Pricings up to 1.000% of loan amounts Qualify

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No 4506T, No Tax Returns, No W‐2s, No Paystubs

Easy, No Hassles, Net Premium Pricings up to 1.000% of loan amountsQualify Salary borrowers with only a Verification Of Employment form executed by the employer.

Wage‐Earners OnlyMin. 24‐month of employment & income with a same employer.MAX. DTI: 49.99%Credit scores as low as 640Loan amounts up to agency loan limitsPurchase & R/T Refinance: Max. 80% LTVCash‐out: Max. 70% LTVCash‐out: 6 months title seasoning is requiredOwner Occupied, 2nd Home & InvestmentSFR / PUD / Condo100% Gift AllowedFirst‐Time Home Buyers are allowed

Program code KVOE 30 | KVOE 7/1

Refer to guideline for more detailsRefer to page 8 of rate sheet

PROGRAM HIGHTLIGHTS

Property Type Max. LTV/CLTV Min. FICO

1 Unit SFR, PUD, CONDO

80% 700 75% 680 70% 640

2-4 Units 70% 700

Property Type Max. LTV/CLTV Min. FICO 1 Unit: SFR, PUD, CONDO 70% 680

2-4 Units 65% 700

Property Type Max. LTV/CLTV Min. FICO 1 Unit: SFR, PUD, CONDO 70% 700

2-4 Units 65% 700

PURCHASE & R/T REFINANCEPrimary & Second Homes