Alternative Resources.
Welcome to our database of Alternative rates, product sheets & more.
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For more information contact your RVP.
Promotional Rates & Compensation.
Rates effective September 21, 2026 @ 12:01 am ET. | Black Indicates Recent Change
*Please note: all rates below are "starting at"
| Term/Credit | 680+ | 640+ | 600+ | 520 to 599 |
Insider Compensation*/Fee | Standard Compensation/Fee |
| 1 Year Fixed | 4.74% | 4.89% | 5.04% | 5.39% | 70 bps* | 60 bps |
| 2 Year Fixed | 5.04% | 5.19% | 5.34% | 5.69% | 80 bps* | 70 bps |
| 3 Year Fixed | 5.14% | 5.29% | 5.44% | 5.79% | 90 bps* | 80 bps |
| JUMBO Promotion Criteria* |
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| Low TDS Promotion Criteria* |
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Standard Rates & Compensation.
Rates effective September 21, 2026 @ 12:01 am ET. | Light Teal Indicates Recent Change
*Please note: all rates below are "starting at"
| Term/Credit | 680+ | 640+ | 600+ | 520 to 599 |
Insider Compensation*/Fee | Standard Compensation/Fee | |
| 1 Year Fixed | 4.99% | 5.14% | 5.29% | 5.64% | 70 bps*† | 60 bps | |
| 2 Year Fixed | 5.29% | 5.44% | 5.59% | 5.94% | 80 bps* | 70 bps | |
| 3 Year Fixed | 5.39% | 5.54% | 5.69% | 6.04% | 90 bps* | 80 bps | |
| Compensation Promotion Criteria*† |
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| Rate Premiums* |
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1% Lender Fee | |||||
*Insiders can earn an additional 5 bps EB
Additional rate premiums may apply | Maximum GDS/TDS 60% | GDS/TDS up to 65% and credit scores below 520 considered on a case-by-case basis, contact your RVP | Rate Hold: 90 days
Credit Matrix
| Standard Ratios | Extended Ratios | Non-Conforming | |
|---|---|---|---|
| Max LTV | 80% | 80% | 65% |
| Credit Score ≥660 | Max TDS = 50% | Max TDS = 60% | Max TDS = 65% |
| Credit Score ≥520 to 659 | Case-by-case | ||
| Credit Score <520 | Not Eligible | Not Eligible | |
| Property Location | Major/Medium/Minor | Major/Medium/Minor | Major/Medium |
Additional rate premiums apply for extended ratios & credit score <520.
NOTE: The above matrix is for guidance purposes only and each application is subject to an underwriting review.
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