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Loan Program Guidelines

Non-QM Premier Guidelines

Bank Statement  |  Change Comparison

Agency Plus  | Change Comparison

Investor  | Change Comparison

Asset Qualification  |  Change Comparison


Fannie Mae Program Underwriting Guidelines

Fannie Mae DU Refi Plus

Fannie Mae Fixed Rate


Freddie Mac Program Underwriting Guidelines

Freddie Mac Conforming and Super Conforming Fixed

LP Open Access


Government Program Underwriting Guidelines

203(h) Disaster Victims Program

FHA Purchase

FHA Standard Refinance – Cash Out

FHA Standard Refinance – No Cash-Out Rate and Term

FHA Streamline

VA Purchase

VA Refinance Cash Out

VA Refinance IRRRL


Overlay Sheets

All products allow condos (exception MFH specific guidelines, see Manufactured i.e., Freddie Mac Fixed Rate).

  • Our dedicated Condo Desk Team guides you through the process
  • No fees for condo reviews

All products allow manufactured homes EXCEPT: iQM programs (Bank Statement, Investor, Agency Plus, Asset Qualification) and Fannie Mae.

(Note: There are specific Fannie Mae Manufactured Home guidelines that only apply to manufactured homes.

Expand your product offerings
, attract new clients, increase profits by partnering with a correspondent lender that provides a dedicated, full service platform for mortgage bankers, community banks, and credit unions.

Leverage our team’s extensive experience in correspondent lending, warehouse lending and capital markets to give you the competitive edge you need in an ever-changing marketplace.


© 2019 Impac Mortgage Corp. NMLS #128231. 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). Impac Mortgage Corp. dba Excel Mortgage. Equal Housing Lender.