CHL Direct Programs

	Direct Titanium Direct Titanium has a complete line of lending solutions to meet the needs of a wide spectrum of mortgage borrowers. The product breadth and depth of Direct Titanium gives brokers a tremendous advantage - the ability to increase volume by lending to a wider range of borrowers. These offerings include Jumbo, Alt A, Stated, and Prime.
Conforming Guidelines \| Jumbo Product and UW Guideline Updates 3-10-08 \| Important SISA Update 3-10-08 \| New Stimulus Products

	Direct Silver Direct Steel supplies ITIN products for W-7 borrowers and borrowers with alternative credit documents. Check the guidelines and forms below and contact our ITIN Department for pricing and underwriting. Phone: 704-688-5593 Email: Pfax: 410-741-3301 Update in Progress PRBC Alternative Credit Reports may be accepted for this product.

	Direct Solutions With Solutions, you’ll find a wide array of Non-Conforming products, whether it is a Purchase, Refinance, or Cash-Out. 30 Year Fixed Rate Loans with credit scores as low as 540. Construction Perm Loans. Ever heard of Construction to Perm Loans on Non-Conforming Customers? Now you have. With Solutions, you originate the loan and we handle the construction. It’s that simple. Repair and Renovation Loans. Based on “Subject to Value,” our repair and renovation loans allow you to originate home improvement loans or solicit realtors for those purchase loans on fixer-uppers, as well as homes that just need a little updating. Stated Income Programs. We reward self-employed borrowers with minimum credit and credit score standards.We do so with loans with above normal LTVs for purchases, refinances, and cash outs on primary residences.
No Prepay States \| Prepay States

	MyCommunityMortgage™ Serve low and moderate income borrowers and communities with flexible terms and many options. May be underwritten through DU (Desktop Underwritter) or manually. PRBC Alternative Credit Reports may be accepted for this product.

Programs*