Purchase or Rate/Term Refinance or Construction to Permanent 1 May be excluded from DTI for pricing purposes. 7 MI premium must be included in DTI for underwriting eligibility purposes and.6 Representative FICO using middle/lower method is required for underwriting and.Mortgage loan meeting the agency and National MI'S AUS overlay requirements, the subordinateįinancing must also meet the requirements of Fannie Mae's Community Seconds ® orįreddie Mac's Affordable Seconds ® program, as applicable 5 For 1-unit Primary Residences with CLTVS > 97%, in addition to the first.Non-delegated underwriting review (ineligible for
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