Variable System Name Field Name Field Type

loan_amount Loan Amount Input/Calculated

subordinate_financing Subordinate Financing Radio Button

subordinate_financing_amount Subordinate Financing Amount (optional)

Input

business_purpose_loan Business Purpose Loan Radio Button

appraised_home_value Appraised Home Value Input

ltv LTV Input/Calculated

cltv CLTV (optional) Calculated

purpose_of_loan Loan Purpose Dropdown

cash_out_amount Cash Out Amount (optional) Input

waive_escrow Waive Escrow Radio Button

underwriting_fees_included Underwriting Fees Included Radio Button

compensation_paid_by Compensation Paid By Radio Button

interest_only Interest Only Dropdown

occupancy_type Occupancy Type Dropdown

property_type Property Type Dropdown

property_type Property Type Dropdown

ownership Ownership Radio Button

first_time_home_buyer First-Time Home Buyer Radio Button

first_time_investor First-Time Investor Radio Button

pmi PMI Radio Button

zip_code Zip Code Input

state State Dropdown
county County Input

credit_score_range Credit Score Dropdown

employment Employment Radio Button

document_type Document Type Dropdown

document_type Document Type Dropdown

dscr_range DSCR (optional) Dropdown

months_of_reserves_range Months of Reserves (PITIA) Dropdown

dti_range DTI Dropdown

prepay_term Prepay Term Dropdown

citizenship Citizenship Dropdown

type_of_visa Type of Visa Dropdown

type_of_visa Type of Visa Dropdown

mortgage_history Mortgage History Dropdown

credit_event_in_less_than_7_years Credit Event in Less Than 7 Years? Radio Button

credit_event_type Credit Event Type (optional) Dropdown

credit_event_date Credit Event Date (optional) Date Picker

 Data Type Inputs List/Inputs Example

LOAN INFORMATION SECTION

Number $1,500,000
Yes
String
No
Number $100,000
Yes
String
No
Number $2,000,000

Number 75%
Number 80%
Purchase
String Rate and Term Refinance
Cash Out Refinance
Number $100,000
Yes
String
No
Yes
String
No
Borrower (BPC)
String
Lender (LPC)
30 Year Interest Only
String 40 Year Interest Only
No (Amortizing)
PROPERTY INFORMATION SECTION
Primary Residence
String Second Home
Investment Property
Single Family Detached
Single Family Attached
2-4 Units
Warrantable Condo
Non-Warrantable Condo
String
5-9 Units or Mixed Use
String

2-8 Mixed Use Units

Condo Hotel
5-8 Residential Units
Condotel
Borrower
String
LLC or Corporation
Yes
String
No
Yes
String
No
BPMI
String
LPMI
String 92867
String CA
String Orange County
CREDIT INFORMATION SECTION
800+
780 - 799
760 - 779
740 - 759
720 - 739
700 - 719
680 - 699
String 660 - 679
650 - 659
640 - 649
620 - 639
600 - 619
580 - 599
Less than 580
Foreign Credit
Wage/Salary Earner
String
Self-Employed
Full Doc 2-Year
Full Doc 1-Year
Asset Utilization
WVOE 2-Year
Bank Statement 24-Month
String Bank Statement 12-Month
Bank Statement 3-Month
String

1099 2-Year
1099 1-Year
Third Party
DSCR/No Ratio
< 1.00
String
>= 1.00
13+ Months
12 Months
11 Months
10 Months
String 9 Months
8 Months
7 Months
6 Months
Less Than 5 Months
≤ 36%
36.01-38.00%
38.01-40.00%
40.01-43.00%
String 43.01-45.00%
45.01-50.00%
50.01-55.00%
>55%
DSCR/No Ratio
No Prepay
12 Months
24 Months
String
36 Months
48 Months
60 Months
U.S. Citizen
Permanent Resident Alien
String Non-Permanent Resident Alien
Foreign National
ITIN
E-1
E-2
E-3
EB-5
G-1

String
 G-5
String
H-1B
L-1
NATO
O-1
R-1
TN NAFTA
0x30x12
0x30x24
1x30x12
String 2x30x12
0x60x12
0x90x12
Other
Yes
String
No
Foreclosure
Short Sale
String
Deed in Lieu
Bankruptcy
Date 01/2018
 Comments

MATION SECTION
Is calculated as (LTV * Appraised Home Value).

If Loan Amount is entered, LTV would auto calculate.

If LTV is entered, Loan Amount would auto calculate.
In this case Subordinate Financing Amount and CLTV fields are displayed.

Displayed when Subordinate Financing is Yes.

Is calculated as (Loan Amount / Appraised Home Value).

If LTV is entered, Loan Amount would auto calculate.

If
Is Loan Amount
calculated is entered,
as (Loan AmountLTV+would auto calculate.
Subordinate Financing Amount) / Appraised Home
Value.

In this case Cash Out Amount field is displayed.

Displayed when Loan Purpose is Cash Out Refinance.

Is hidden for now.

Is hidden for now.

ORMATION SECTION

In this case First-Time Investor and Prepay Term (Credit Information page) fields are
displayed.
 Displayed when Occupancy Type is Investment Property.

Is hidden for now.

Is autopopulated from Google Maps API.

Is autopopulated from Google Maps API, but could be edited. Is hidden for now.
Is hidden for now. Is autopopulated from Google Maps API, but could be edited.
MATION SECTION

Displayed for both types of Employment (Wage/Salary Earner or Self-Employed)

Displayed when Employment is Wage/Salary Earner

Displayed when Employment is Self-Employed

Displayed when Employment is Self-Employed

In this case DSCR field is displayed and DTI field is autopopulated with DSCR/No Ratio
value.

Displayed when Document Type is DSCR/No Ratio.

Is autopopulated when Document Type is DSCR/No Ratio. Is not displayed in the list of
inputs for all other cases.

Displayed when Occupancy Type is Investment Property.

Displayed when Citizenship is Non-Permanent Resident Alien.

Displayed when Citizenship is Non-Permanent Resident Alien.

Is hidden for now.

Is hidden for now.

In this case Credit Event Type and Credit Event Date fields are displayed.

Displayed when Credit Event in Less Than 7 Years? is Yes.

Displayed when Credit Event in Less Than 7 Years? is Yes.

Submit in API request in this format: 'MM/DD/YYYY'. Always assume first day of month.
Tip (if necessary)
Late payments made in mortgage history will
affect your loan approval process.
 Employment Document Type
Paystubs, W2 or Tax Returns, 12 Months
Paystubs, W2 or Tax Returns, 24 Months
Wage/Salary Earner
IRS Form 4506
DSCR

Bank Statement Income/1099, 12 Months

Bank Statement Income/1099, 24 Months
1099 Only, 12 Months
1099 Only, 24 Months
Self-Employed
Year-to-Date P&L

IRS Form 4506

Asset Utilization
Proof of Rental Income (Investor Occupied)
DSCR
New Document Type Name New Document Type Name
Full Doc 2-Year Full Doc 2-Year
Full Doc 1-Year Full Doc 1-Year
WVOE 2-Year WVOE 2-Year

Full Doc 2-Year Full Doc 2-Year

Full Doc 1-Year Full Doc 1-Year
Bank Statement 24-Month Bank Statement 24-Month
Bank Statement 12-Month Bank Statement 12-Month
1099 2-Year 1099 2-Year
1099 1-Year 1099 1-Year
CPA Prepared P&L 2-Year
CPA Prepared P&L 1-Year Third Party

Asset Utilization Asset Utilization

DSCR/No Ratio DSCR/No Ratio

Variable System Name Field Name Field Type Data Type Inputs List/Inputs Example
DSCR >= 1.00
dscr_range DSCR (optional) Dropdown String
DSCR < 1.00
≤ 36%
36.01-38.00%
38.01-40.00%
40.01-43.00%
dti_range DTI Dropdown String 43.01-45.00%
45.01-50.00%
50.01-55.00%
>55%
DSCR/No Ratio
 System Inputs
Greater than or equal to 1.00
Less than 1.00
Less than or equal to 36%
37
39

44
47

Greater than 55%