• All conventional loans receive prior to loan closing underwriting review.
• Nationwide Advantage Mortgage Company (NAMC) offers the correspondent lenders access to automated underwriting enabling them to provide borrowers with instant, point-of-sale approvals.
• LTV's over 80% require private mortgage insurance.
• NAMC can underwrite your loans on behalf of private mortgage insurance companies.
• Pricing benefits for 10 year, 15 year, and 20 year terms.
• All pricing offered on 1/8% interest rate increments.
• Temporary buydowns allowed.
• Full range of ARM loans, CMT, plus Fully Amortized and Interest Only LIBOR based on 1 year Wall Street Journal LIBOR.

• LTV's up to 95%.
• Refinance option at maturity to qualified borrowers.

• 15-year, 30-year, 40-year, and 40 year Interest Only term, owner occupied primary residence and second home, purchase or refinance.
• MyCommunityMortgage™
  • No minimum borrower contribution for 1-unit
  • LTVs to 100 percent (one-unit properties)
  • Flexibility on credit histories, non-tradional credit accepted
  • Possible additional incentives for buyers of energy-efficient homes
  • Community HomeChoice™ option for people with disabilities
  • Community Solutions™ option for teachers, law enforcement, firefighters, and, in some cases, healthcare workers

• LTV's up to 97% on owner occupied, single family residences.
• 3/2 Option requires 3% of borrowers' own funds and 2% gift, grant, or secured loan.
• Income limits apply.
• Underwritten to FNMA guidelines.

Alternative documentation as permitted by FNMA guidelines

• Complete credit package may be submitted for prequalification.