1. • 80/15 Combo Program, Acopia does both 1st and 2nd, min 720 fico
• 90% 1 loan No MI, min 720 fico
• FHA/VA with 600 fico, max 50% dti (600-679), 2 mo piti reserves, max $417,000
• VA cash out loan to 100%, up to $250,000 cash in hand
• FNMA 97 with 620 fico, My Community program with reduced MI
• FHA Streamline/VA IRRL, 600 fico no AVM or 2055
• FNMA 97 620 Fico Regular MI (Must be first home buyer)
• Closing instructions are sent three days in advance of closing date – even if the file
isn’t CTC yet for all purchase loans
• Jumbo loans up to $1,000,000 at 80 ltv (purchase and rt)
• FHA/VA High Balance with 640 fico
• Conventional with 620 fico at 95% ltv up to $417,000, max 90% high balance
• FNMA condo approval available
• Allow one day off of MLS for R/T with no ltv restriction, C/O refinances to 70%.
• Open communication with our CSR’s, the closing department, and yes – underwriting
• No fee sheet or additional forms required for closing, no Acopia specific respa docs
required,
Acopia Capital Competitive Advantages
NMLS #4664