effenheimer_IHB
New member
<p>Holy Crapadoli!</p>
100% Full doc fixed now at 11.45% to 13.15% for FICO's 680 and 640.
Min 620 FICO for 95% Full Doc, was 580 last week.
Rates on 95% full doc <strong>start at 9.8%</strong> and go up from there.
Rates on 90% full doc <strong>start at 8.75%</strong> and go up from there.
90% stated and 85% stated: <strong>GONE.</strong> You now need 20% down to go stated.
Up until now, LTVs under 80% didn't reduce your rate all that much. Now, the sweet spot is 75%.
>
<p> </p>
100% Full doc fixed now at 11.45% to 13.15% for FICO's 680 and 640.
Min 620 FICO for 95% Full Doc, was 580 last week.
Rates on 95% full doc <strong>start at 9.8%</strong> and go up from there.
Rates on 90% full doc <strong>start at 8.75%</strong> and go up from there.
90% stated and 85% stated: <strong>GONE.</strong> You now need 20% down to go stated.
Up until now, LTVs under 80% didn't reduce your rate all that much. Now, the sweet spot is 75%.
>
<p> </p>