CONFORMING

CONFORMING CLASSIC

PB30, PB20, PB15 PB51, PB71, PB101
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FNMA DIRECT

FD30, FD20, FD15
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AGENCY JUMBO

FNMA HIGH BAL.

FDHB30, FDHB15
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HIGH BALANCE DU/LP

HB30, HB15, HB51, HB71
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JUMBO

OPTIMAL JUMBO

OJ30, OJ15, OJ51, OJ71
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JUMBO

J30. J15, J51, J71
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SUPER JUMBO

SJ30, SJ51, SJ71
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PRIME JUMBO

PJ30, PJ15, PJ51, PJ71, PJ101
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JUMBO PLUS

JP30, JP5/1, JP7/1
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FHA

FHA PREMIUM

FH30,FH15,FH51
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FHA PORTFOLIO

FHP30, FHP15, FHP51
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FHA JUMBO

FHJ30, FHJ15, FHJ51
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VA

VA Conforming

VA30, VA15
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VA HIGH BALANCE

VABF30, VABF15
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Foreign National
Program Under Development
BANK STATEMENT

PORTFOLIO BANK STATEMENT

PBBS
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VOE PROGRAM

STATED PROGRAM

PBTS
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ALT DOC

PBSV1071
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PACBAY SELF EMPLOYED

PBSE
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PACBAY LITE DOC

PBLD
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PORTFOLIO INVESTOR

PORTFOLIO INVESTOR

PBPI
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PIGGYBACK

PIGGYBACK CONFORMING/AGENCY JUMBO/SECOND/HELOC

PG30, PG15, PG51, PG71 PGA30, PGA15, PGA51, PGA71 PGS30, PGS15, PGS11 PGH
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PACBAY HELOC

PBH
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EA NON QM PORTFOLIO

EXPANDED CORE FULL DOC FIXED/ARM

EA
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EXPANDED PLUS FULL DOC

EAP
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Turn Times

LOAN TYPE UNDERWRITING CONDITION REVIEW LOAN DOCS FUNDING DISCLOSURES LOCK DESK
CONF / HIGH BALANCE 48-72 HRS 48-72 HRS 48 HRS 72-96 HRS 24 HRS Same day
FHA 48-72 HRS 48-72 HRS 48 HRS 72-96 HRS 24 HRS Same day
FHA (Non-Delegated) 48-72 HRS 48-72 HRS 48 HRS 72-96 HRS 24 HRS Same day
ALT-A/STATED INCOME 48-72 HRS 48-72 HRS 48 HRS 72-96 HRS 24 HRS Same day
ALT-A/STATED INCOME (Non-Delegated) 48-72 HRS 48-72 HRS 48 HRS 72-96 HRS 24 HRS Same day
JUMBO 48-72 HRS 48-72 HRS 48 HRS 72-96 HRS 24 HRS Same day
NON QM 48-72 HRS 48-72 HRS 48 HRS 72-96 HRS 24 HRS Same day
PIGGYBACK 48-72 HRS 48-72 HRS 48 HRS 72-96 HRS 24 HRS Same day
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