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ALT DOC
No income // No employment
Self employed or high net worth

INVESTOR
Unlimited Properties
Self employed or high networth

AGENCY PLUS
For Agency Near Misses Increased flexibility
FOREGN NATIONAL
No FICO (or 640)
Increased flexibility
Bank Statements Asset Qualification Qualify on Cash Flow (Full Doc Full Doc

Asset Qual

Max Loan Amount(Varies by FICO)
$3M
$3M
$2M

$3M

$2M

$2M

Max Cash Out
(Varies by FICO)
$2M
$2M
$2M

$2M

$2M

$2M

Max LTV/CLTV
(Varies by loan type)
80% 80% 80%

80%

65% 65%
Current paystub
X
X
X
X
W2/Tax Return/4506
X
X
X
X
Debt to Income
50% max

Not calculated

Not calculated

50% max

50% max

Not calculated

Cash Out Seasoning

X X X X X X

First time homebuyer

X

Decisions in seconds!

Use iDASL to run eligibility scenarios, and to run a full AU on our entire line of iQM products

  • Run eligibility scenarios in single or batch uploads
  • Run a full AU, and get a detailed decision in minutes

HOW TO RUN FULL UNDERWRITE

Video duration: 5m 42s

HOW TO CREATE AN ELIGIBILITY SCENARIO

Video duration: 1m 19s

HOW TO BATCH UPLOAD

Video duration: 2m 35s

 

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Pre-qualifying your borrowers is fast and simple using our proprietary tools iDASL pre-qual engine.

 

Register for iDasl

Save multiple loan scenarios that you can refer back to later.

Register

 

Create Loan Scenario

Test drive Loan Scenario tool to see if your loan meets our iQM guidelines. No registration is required.

Create Scenario

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© 2018 Impac Mortgage Corp. NMLS #128231. www.nmlsconsumeraccess.org. Rates, fees and programs are subject to change without notice. Other restrictions may apply. Information is intended solely for mortgage bankers, mortgage brokers, financial institutions and correspondent lenders. Not intended for distribution to consumers, as defined by Section 1026.2 of Regulation Z, which implements the Truth-In-Lending Act. Licensed by the Department of Business Oversight, under the California Residential Mortgage Lending Act (License #4131083). In the state of New York, Impac Mortgage Corp. dba Excel Mortgage. Equal Housing Lender.