Program Overview

PREMIER PRODUCT SUITE

There is no such thing as a one-size-fits-all solution.

Explore our continually expanding variety of home loan solutions to transform your career.

It’s time to break free from limited loan offerings. As the nation’s top nonbank lender, we not only set our loan consultants for success by providing cutting-edge technology but also by continually expanding our inventory of loan products.

Our company recognizes that to stay relevant in today’s ever-evolving market and to accommodate borrowers’ unique needs, lenders need to pivot and offer a wider spectrum of products than ever before. As a market disruptor and lending pioneer, loanDepot is prepared to serve a variety of loan products for our borrowers, whether it be conventional, government, jumbo or dozens of state DPA programs. By aligning with us, you’ll gain a commanding lead over competition, qualify more borrowers, and grow your career among the nation’s top talent.

Can your current employer provide you with a constantly evolving inventory of loan solutions to power your sales?

Government Programs:  FHA Fixed/ARM

 VA FIXED/ARM

 USDA Streamlined Refinance

 FHA Streamline

 VA IRRRL

 USDA Streamlined Assist

 FHA EEM Fixed/ARM

 VA Renovation

 Conforming and High Balance (DU)

 FHA 203K

 VA EEM

 HomeReady Mortgage (DU)

 FHA 203(h)

 USDA Purchase

(030719 184495) Page 1 of 8

PREMIER PRODUCT SUITE Retail Government Program Eligibility FHA Fixed/ARM Primary Residence Purchase Transactions Property Type 1-4 Units

Maximum Base Loan Amount

Minimum Credit Score

Maximum LTV / CLTV1

FHA Mortgage Limits2

5203

90.0%

FHA Mortgage Limits

580

96.5%

Refinance Transactions Property Type

Maximum Base Loan Amount

Minimum Credit Score

1-4 Units

FHA Mortgage Limits

580

Maximum LTV / CLTV1 Rate & Term

Cash-Out

97.75%

85%

Footnotes:   1

Maximum LTV/CLTV

2Loan

Limit

3 Credit

Score



Identity of Interest purchase transaction is restricted to 85% with specific exceptions detailed in the Lending Guide Rate & Term refinance transaction restricted to 85% if the borrower has not occupied as a primary residence for the 12 months prior to the case assignment, or if owned less than 12 months has not occupied the property since acquisition Secondary Financing is permitted subject to guidelines. All Bond/DPA programs must be loanDepot approved. Refer to the FHA Handbook 4000.1 for secondary financing guidelines.



Conforming loan plans only; the lesser of FHA mortgage limits or FHFA loan limits



Manufactured homes require minimum credit score of 580

FHA Streamline Refinance Transaction Property Type

Occupancy1

Minimum Credit Score

1-4 Units

Principal Residence

580

1 Unit

Second Home (HUD Approved)

620

1-4 Units

Investment Property

620

Maximum LTV

Maximum CLTV2

N/A

N/A

Footnotes: 1

 Second Home must be HUD approved; Second Home and investment property are only eligible for non-credit qualifying streamline with fixed rate

Occupancy

2Subordinate

Financing

 Existing subordinate financing must be re-subordinated  New subordinate financing permitted only when the proceeds are used to: o Reduce the principal amount of the existing mortgage or o Finance the origination fees, discount points or other associated costs

(030719 184495) Page 2 of 8

PREMIER PRODUCT SUITE FHA EEM Fixed/ARM Primary Residence - Purchase Transactions Units

Maximum Base Loan Amount1

Minimum Credit Score

Maximum LTV/CLTV (%)4,5

FHA Mortgage Limits2

5203

90.00

FHA Mortgage Limits

580

96.50/103.00

1-4 Units

Primary Residence – No Cash-Out Refinance Transactions Units

Maximum Base Loan Amount1

Minimum Credit Score

Maximum LTV/CLTV (%)4,5

1-4 Units

FHA Mortgage Limits

580

97.75

Footnotes: 1 Refer to the EEM Calculation section for the maximum loan amount.

2 Conforming loan plans only; the lesser of FHA mortgage limits or FHFA loan limits.

3 Manufactured homes require a minimum credit score of 580.

4 The maximum LTV/CLTV may be increased or decreased due to specific loan parameters: refer to the FHA Handbook 4000.1 for LTV/CLTV guidelines.

5 Secondary financing is permitted subject to guidelines. All Bond/DPA programs must be loanDepot-approved. Refer to the FHA Handbook 4000.1 for secondary financing guidelines.

FHA 203K Primary Residence - Purchase & Rate/Term Units

Max Base Loan Amount1

Minimum Credit Score

1-4 Units

FHA Mortgage Limits

580

Max LTV/CLTV3 Purchase2 Rate/Term

96.50% 97.75% Footnotes: 1 Refer to the max base loan amount section below for additional requirements on purchase and refinance calculations 2 The maximum LTV/CLTV may be increased or decreased due to specific loan parameters: refer to the FHA Handbook 4000.1 for LTV/CLTV guidelines 3 Secondary financing is permitted subject to guidelines. Refer to the secondary financing guidelines

FHA 203(h) Primary Residence - Purchase Transactions Maximum LTV/CLTV3,4 203(b)(h) 203(k)(h)

Property Type

Maximum Base Loan Amount1

Minimum Credit Score

1 Unit

FHA Mortgage Limits2

520

100%

90.00%

1 Unit

FHA Mortgage Limits

580

100%

96.50%

Primary Residence - No Cash-Out Refinance Transactions Property Type

Maximum Base Loan Amount1

Minimum Credit Score

Maximum LTV/CLTV3,4 203(k)(h)

1 Unit

FHA Mortgage Limits

580

97.75%

Footnotes: 1 For 203(k) (h) loans, refer the 203(k) matrix for maximum loan amount calculations.

2 Conforming loan plans only; the lesser of FHA Mortgage Limit or FHFA loan limits.

3 The maximum LTV/CLTV may be increased or decreased due to specific loan parameters: refer to the FHA Handbook 4000.1 for LTV/CLTV guidelines.

4 Secondary financing permitted subject to guidelines. Refer to the FHA Handbook 4000.1 for secondary financing guidelines.

(030719 184495) Page 3 of 8

PREMIER PRODUCT SUITE VA Fixed/ARM Primary Residence Purchase and Cash-Out Refinance

Standard

≤ Conforming Loan Limits

5204

High Balance

$1 > Conforming Loan Limits - $1,000,000

620

Super Max

$1,000,001 - $2,000,000

660

1-4 Units 1 Unit Footnotes: 1 Maximum Loan Amount

Minimum Credit Score1

Maximum Base Loan Amount1,2

Property Type

Maximum LTV/CLTV2,3

100%

 Manufactured homes minimum credit score is 580 and maximum loan amount is the Standard Conforming Loan Limit.

2

 VA County Loan Limits and available entitlement affect the amount of down payment or equity required, if any.

3

 CLTV may exceed 100% if allowed by a loanDepot approved DPA program.

Maximum LTV Maximum CLTV

Purchase Transaction 520

4

Minimum Credit Score

Cash Out Fixed Rate 580

Cash Out ARM 620

VA IRRRL IRRRL Refinance - Primary Residence Units

Maximum Loan Amount

Minimum Credit Score

LTV/CLTV1

1-4 Units

Standard: < Conforming Loan Limits High Balance: $1 > Conforming Loan Limits $1,000,000 Super Max: $1,000,001 - $2,000,000

620

No Maximum

620

No Maximum

660

115%/125%

1-4 Units 1 Unit

IRRRL Refinance - Second Home2 & Investment Units

Maximum Loan Amount

Minimum Credit Score

LTV/CLTV1

1-4 Units

Standard: < Conforming Loan Limits High Balance: $1 > Conforming Loan Limits $1,000,000 Super Max: $1,000,001 - $2,000,000

620

No Maximum

660

90%/125%

700

90/125%

1-4 Units 1 Unit Footnotes 1 2

Refer to Net Tangible Benefit Test section for maximum LTV and appraisal requirements when discount points are charged Second home 1-unit only

VA Renovation Purchase and Cash-Out Refinance Units 1-4 1 1 Footnotes:

Loan Amount2

Min Credit Score1

Max LTV/CLTV

Standard: < Conforming Loan Limits High Balance: $1 > Conforming Loan Limits - $1,000,000 Super Max: $1,000,001 - 2,000,000

600 620 660

100% 100% 100%

1

640 minimum credit score for cash-out 5/1 ARM Manufactured homes maximum loan amount is Standard Conforming Loan Limit

2

(030719 184495) Page 4 of 8

PREMIER PRODUCT SUITE VA EEM Primary Residence - Purchase and Cash-Out (Regular) Refinance Maximum Loan Amount1,2

Property Type

Standard: < Conforming Loan Limits

1-4 Units

Max LTV / CLTV2,3

Minimum Credit Score1

100%

520

Purchase

580

Cash-Out Fixed

620

Cash-Out ARM

1-4 Units

High Balance: $1 > Conforming Loan Limits $1,000,000

100%

620

1 Unit

Super Max: $1,000,001 - $2,000,000

100%

660

Footnotes: 1 Manufactured homes minimum credit score is 580 and maximum loan amount is Standard Conforming Loan Limit.

2 VA County Loan Limits and available entitlement affect the amount of down payment or equity required, if any 3 CLTV may exceed 100% if allowed by a loanDepot approved DPA program Use the VA Maximum Mortgage Worksheet to calculate the loan amount before the energy efficient costs are added; the total loan amount cannot exceed $2,000,000.

USDA Purchase Primary Residence â&#x20AC;&#x201C; Purchase & Refinance Units 1-Unit Footnotes: 1 All

Minimum Credit Score 6201

Max LTV / CLTV 100% / 100%

borrowers must have a minimum 620 credit score for both GUS and manually underwritten loans

USDA Streamlined Refinance Eligible Number of Units

Maximum LTV/CLTV

Minimum Credit Score

1-Unit

No Maximum LTV/CLTV

620

Eligible Number of Units

Maximum LTV/CLTV

Minimum Credit Score

1-Unit

No Maximum LTV/CLTV

620

USDA Streamlined Assist

(030719 184495) Page 5 of 8

PREMIER PRODUCT SUITE Conforming and High Balance (DU)

Retail

Primary Residence Cash-Out Refinance4

Purchase & Limited Cash-Out Refinance Property Type 1 Unit

Max LTV/CLTV Fixed

ARM

97%1,2,3

95%

2 Units

85%

3-4 Units

75%

Min Credit Score

Property Type

Max LTV/CLTV

1 Unit

80%

2-4 Units

75%

Min Credit Score

620

620

Second Home Cash-Out Refinance4

Purchase & Limited Cash-Out Refinance Property Type

Max LTV/CLTV

Min Credit Score

Property Type

Max LTV/CLTV

Min Credit Score

1 Unit

90%

620

1 Unit

75%

620

Investment Property Cash-Out Refinance4

Purchase & Limited Cash-Out Refinance Property Type 1 Unit 2-4 Units Footnotes:

Max LTV/CLTV

Min Credit Score

Purchase

LCO Refi

85%

75%

Property Type

Max LTV/CLTV

1 Unit

75%

2-4 Units

70%

620

75%

Min Credit Score 620

1

95.01-97% LTV/CLTV  Purchase: At least one borrower must be a first-time homebuyer  Limited Cash-Out (LCO) Refinance: Existing loan must be owned (or securitized) by Fannie Mae (Loan Lookup Tool) Non-occupant borrowers are ineligible High-Balance and ARMs are not permitted Manufactured homes not permitted 2 High-Balance Max 95% LTV/CLTV for High-Balance Loan Limits 3

Community Seconds CLTV ratio may exceed up to 105% only if the mortgage is part of Community Seconds transaction except an ARM, manufactured home, and Co-op loans

4

No limit on Cash-Out amount Loans with > 80% LTV will require Mortgage Insurance and are subject to MI guidelines

5

HomeReady Mortgage (DU)

Retail Primary Residence

Purchase and Limited Cash-Out Refinance Max LTV4

Property Type 1 Unit 2 Units 3-4 Units

Fixed 97%1,2

Max CLTV ARM 95%

85% 75%

Fixed 105%1,2,3 105%3 105%3

Min Credit Score ARM 95% 85% 75%

Per DU5 620

Footnotes: 1

95.01% - 97.00% LTV transactions  Limited Cash-Out Refinance: existing loan must be owned (or securitized) by Fannie Mae (Loan Lookup Tool).  Non-occupant borrower is ineligible  High Balance and ARMs are not permitted 2 95% LTV/CLTV transactions  Max 95% LTV/CLTV for High Balance Loan Limits, manufactured homes and non-occupant borrower(s) 3 Eligible up to 105% CLTV if the subordinate lien is a Community Second except for ARMs, manufactured homes and Co-op loans 4 Loans with > 80% LTV will require Mortgage Insurance and are subject to MI guidelines 5 MI company guidelines require minimum credit score 620

(030719 184495) Page 6 of 8

PREMIER PRODUCT SUITE HomeStyle Renovation

Retail Primary Residence Purchase and Limited Cash-Out Refinance Max LTV1 / CLTV

Property Type Fixed 97%2/ 105%3

1 Unit

Minimum Credit Score ARM 95% / 95%

Per DU

85% / 105%3 75% / 105%3

2 Units 3-4 Units

Second Home Purchase and Limited Cash-Out Refinance Max LTV1 / CLTV

Property Type 1 Unit

90%

Minimum Credit Score Per DU

/ 90%

Investment â&#x20AC;&#x201C; Purchase & Limited Cash-Out Refinance Purchase and Limited Cash-Out Refinance Max LTV1 / CLTV Limited Cash-Out Refinance 75% / 75%

Property Type Purchase 85% / 85%

1 Unit

Minimum Credit Score Per DU

Footnotes: 1 Refer to Calculating LTV / Maximum Mortgage Amount for requirements 2 Purchase transactions, the borrower must be a first-time home buyer; LCOR transactions, the loan must be owned or securitized by Fannie Mae. Ineligible for high balance loan limits and non-occupant borrower 3 Fixed Rate mortgages with Community Seconds only. ARMs ineligible

HomeStyle Energy (DU)

Retail

Purchase/Rate & Term Refinance (R&T) Including High Balance Property Type

Primary Residence Max LTV/CLTV

LTV/CLTV/FICO

Second Home

Min. Credit Score

Max LTV/CLTV

Investment

Min. Credit Score

Max LTV/CLTV

Min. Credit Score

Purchase

SFR/PUD/Condo Fixed: 95% ARM:90%

620

Fixed: 90% ARM:80%

620

Fixed: 85%1 ARM:75%

620

Rate and Term Refi Fixed: 75% ARM: 65%

Fixed: 85% ARM:75% Fixed: 75% ARM: 65%

2 Units 3-4 Units Footnotes:

620

Ineligible

Ineligible

620

Ineligible

Ineligible

1

Essent MI Overlay: Purchase; Single Family; 85% LTV; FICO Min 720; 6 months PITI Reserves; DU Approval Required

(030719 184495) Page 7 of 8

PREMIER PRODUCT SUITE Conforming and Super Conforming (LPA)

Retail

Primary Residence Cash-Out Refinance2

Purchase & No Cash-Out Refinance Property Type

Max

1 Unit 2 Units 3-4 Units

LTV/TLTV3

Min Credit Score

95% 85% 80%

Property Type 1 Unit

620

2-4 Units

Max LTV/TLTV3

Min Credit Score

85%1 80% 75%

740 620

Second Home Cash-Out Refinance2

Purchase & No Cash-Out Refinance Property Type 1 Unit

Max

LTV/TLTV3

Min Credit Score

Property Type

Max LTV/TLTV

Min Credit Score

620

1 Unit

75%

620

90%

Investment Property Cash-Out Refinance2

Purchase & No Cash-Out Refinance Property Type 1 Unit 2-4 Units Footnotes

Max LTV/TLTV3 85% 75%

Min Credit Score

Property Type

Max LTV/TLTV

Min Credit Score

620

1 Unit 2-4 Units

75% 70%

620

1

80.01%-85% LTV/TLTV Cash-Out  LPA Risk Class “Accept” • Conforming loan amounts only (Super Conforming not allowed) • Streamlined Project Review is not allowed • Fixed rate only 2 No Limit to cash-out amount 3 Loans with > 80% LTV will require Mortgage Insurance and are subject to MI guidelines

(030719 184495) Page 8 of 8

BOND PROGRAMS loanDepot is dedicated to partnering with state-sponsored organizations to make sure that we provide diverse, affordable product offerings to all qualified borrowers. Our ability to work in tandem with these state and local bond agencies allows our retail loan consultants an opportunity to cast a wider net of loan offerings. Our premier product mix combined with hundreds of bond programs available throughout the US creates a powerful arsenal of unbeatable loan options ready to meet most borrower needs.

NATIONAL PROGRAMS

Chicksaw Nation • Pentagon Federal Credit Union Foundation • United Auburn Indian Community

• STATE-BY-STATE BOND PROGRAMS • ALABAMA

Alabama Housing Finance Authority City of Huntsville

AL

Step Up MCC Huntsville Downpayment Assistance Program (DAP)

1

ARIZONA

AZ

Home Plus Arizona Industrial Development Authority

Home Plus DPA Pathway to Purchase

City of Phoenix

Neighborhood Stabilization / Move-In Ready

City of Tempe

CAMP

Community Investment Corporation - Tucson

MCC Program - Pima County

Family Housing Resources

WISH

IDA Phoenix & County of Maricopa Bond Program

Home in Five

IDA of PIMA County/City of Tuscon Pascua Yaqui Tribe Housing Department

Homebuyers Solution Pathway to Purchase Homeownership Assistance Program

CALIFORNIA Bakersfield

CA

HomeLIFT CalHFA Conventional CalPlus Conventional CalHFA FHA CalPlus FHA

California Housing Finance Agency (CalHFA)

Cal-EEM + Grant CalHFA VA MyHome Assistance School Teacher and Employee Assistance CalHFA-Zip

City of Los Angeles

Mortgage Credit Certificate

City of Modesto

Homebuyer Assistance Program (HAP)

City of Roseville

BEGIN

2

CALIFORNIA City of Stockton City of Sunnyvale (builder-specific)

(continued)

Down Payment Assistance Program Below Market Rate Program First Time Homebuyer

City of Turlock

First Time Home Buyers

City of Tustin

Affordable Housing Program

City of Walnut Creek

First Time Homebuyers Assistance

County of Alameda

Mortgage Credit Certificate (MCC)

County of Los Angeles

Mortgage Credit Certificate

County of Placer

First Time Home Buyers Assistance Program

County of San Diego

Golden State Finance Authority NeighborWorks Sacramento Region Riverside County Economic Development Agency/ Norco Sacramento Housing and Redevelopment Authority

CA

Downpayment & Closing Cost Assistance Program Mortgage Credit Certificate (MCC) GSFA MCC GSFA Platinum Purchase Advantage Loan & CalHome Mortgage Credit Certificate Homeownership Programs (First Time Homebuyer/Down Payment Assistance) Mortgage Credit Certificate Deferred Payment Loan

San Diego Housing Commission

Homeownership Grant Program Mortgage Credit Certificate (MCC)

San Joaquin County

San Joaquin Gap Loan Program

Shingle Springs Band of Miwok Indians

Down Payment assistance Program

Southern California Home Financing Authority (SCHFA)

First Home Mortgage Program

3

COLORADO

CO

Denver Metro Mortgage Assistance (MMA) Plus Program

City and County of Denver

Mortgage Credit Certificate House to Home Ownership (H2O)

City of Boulder

Boulder Solution Grant

Del Norte Neighborhood Development Corporation

Home Ownership Program

City of Fort Collins

Home Buyer Assistance Program

Colorado Housing Assistance Corporation

Down Payment Assistance Program Advantage Preferred/Preferred Plus

Colorado Housing Finance Authority (CHFA)

CHFA Smartstep and Smartstep Plus FirstStep/FirstStep Plus Turnkey Mortgage Origination Program

El Paso County Housing Authority

Mortgage Credit Certificate

Loveland Housing Authority (Larimer LHOP)

Loveland/Larimer Home Ownership Program (LHOP)

Neighborhood Housing Services (NHS) of Kansas City

Affordable Housing Program (AHP)

CONNECTICUT Town of Fairfield Office of Community & Economic Development

Fairfield Down Payment Assistance

City of Milford

CDBG Homeownership Program

CT

HFA Advantage Loan Program HFA Preferred Loan Program Home of Your Own Program Connecticut Housing Finance Authority

Homebuyer Mortgage Program Homeownership Mortgage Program Military Homeownership Program Police Homeownership Program

4

CONNECTICUT

(continued)

CT

Teachers Mortgage Assistance Program Connecticut Housing Finance Authority (continued)

Mobile Manufactured Home Loan Program Down Payment Assistance Program Veterans Homeownership Pilot Program

FLORIDA Brevard County Community Housing Initiative Broward County Housing Finance and Community Redevelopment Division (HFCRD)

FL

State Housing Initiatives Partnership (SHIP) Program Homebuyer Purchase Assistance (HPA) MCC

City of Boca Raton

SHIP Purchase Assistance Program

City of Coconut Creek

First Time Homebuyer Program

City of Delray Beach

SHIP Program

City of Deltona

City of Deltona SHIP

City of Fort Lauderdale

HOME/SHIP

City of Miami Beach

First Time Homebuyer

City of Miami Community and Economic Development

First-Time Homebuyer Program

City of Tampa

Mortgage Assistance Program FL First & Military Heroes - Gov't Bond HFA Preferred HFA Preferred - Conv HFA Preferred Plus Conv

Florida Housing Finance Corporation

FL HLP FL Assist 3% Grant 4% Grant Mortgage Credit Certificate

5

FLORIDA Hernando County Housing Authority HFA of Hillsborough

(continued)

FL

SHIP Program Home Sweet Home Home Sweet Home - MCC Own a Home Opportunity Program with 2nd lien

HFA of Lee County

Own a Home Opportunity Program with grant (gift) Own a Home Opportunity Program MCC

HFA of Miami-Dade County

Miami-Dade Single Family Program Miami-Dade Mortgage Credit Certificate (MCC) House Key

HFA of Pinellas

House Key Plus AIS Grant

Jacksonville Housing Finance Authority (HFA) Lee County Department of Human Services

Mortgage Credit Certificate HOME Down Payment Assistance Program SHIP Down Payment Assistance Program

Keystone Challenge Fund

GAP/SHIP

Miami-Dade Economic Advocacy Trust

Homeownership Assistance Program (HAP)

Nassau County

SHIP

Orange County

Orange County Housing Finance Authority Palm Beach DES Pasco County

Ship Homebuyer Program Neighborhood Stabilization Program (NSP) Housing Opportunities 1st, 2nd, AMI Grant Homebuyerâ&#x20AC;&#x2122;s Dream 1st, 2nd State Housing Initiatives Partnership (SHIP) Program Home Ownership Program (HAP) Pasco Opportunity Program/NSP

Pinellas County Community Development

Down Payment Assistance

Seminole County Community Development Division

Purchase Assistance Program (PAP)

6

GEORGIA Atlanta Housing Authority

Homeownership Down Payment Assistance Program

Augusta Housing & Community Development Department (AHCDD)

Homeownership Assistance Program

City of Savannah Housing Department

Dream Maker 1, 2, 3

DeKalb County Human and Community Development Department (DCHCDD)

FTHB HOME Investment Partnerships

DeKalb County (WE DeKalb)

Workforce Enhancement

GA

Georgia Dream Homeownership Georgia Department of Community Affairs

Georgia Dream 2nd Mortgage Georgia Dream HHF - Second

Gwinnett County

Invest Atlanta

Homestretch NSP HomeAtlanta 4.0 1st lien, Grant and IMPA VCRI, AAHOP 2nd liens AHRA 2nd lien not eligible

Neighborhood Work Columbus

AtlantaLIFT

Rockdale County

Neighborhood Stabilization Program

IDAHO

ID

Fannie Mae HFA Preferred Freddie Mac Home Possible Advantage First Loan Advantage Loan Idaho Housing and Finance Association

Second Mortgage Forgivable Grant MCC Good Credit Rewards HFA Preferred

7

IDAHO

(continued)

ID

NSP Idaho Housing and Finance Association (continued)

First Loan Advantage Loan

ILLINOIS

Illinois Assist/City of Aurora City of Chicago City of Aurora

IL

Down Payment Assistance Program Mortgage Credit Certificate (MCC) Public Safety Officer Home Buyer Assistance Program Choose Aurora Homeownership MCC

City of Joliet

Down Payment Assistance

DuPage Homestead Center

DuPage Homestead 1st HOME Illinois IHDA Access IHDA Access Forgiveable

Illinois Housing Development Agency (IHDA)

IHDA Access Deferred IHDA Access Repayable I-Refi Mortgage Credit Certificate

Live Work Rock Island

Rock Island Employer Assisted Program

Neighborhood Housing Services Chicago

Micro Market Recovery Program Purchase Assistance Grant

Northside Community Development Corporation

University Assisted Housing

North West Housing Partnership

Barrington Bank & Trust Homebuyer Grant Program

West Cook Homeownership Center & Illinois Facilities Fund (IFF)

West Cook Advantage Program

8

INDIANA City of East Chicago

Homeownership Incentive Program

City of Hammond Department of Planning & Development

Homebound Home Ownership Program

ID

Affordable Home (AH) Helping to Own (H2O) Indiana Housing & Community Development

Next Home MY Home MCC Program

Lake County Community Economic Development Department

Homebuyer Assistance Program

Pokagon Band of Potawatomi

Home Ownership Program

IOWA

IA

FirstHome Homes for Iowans Iowa Finance Authority (IFA)

Military Homeownership Assistance Plan (Limited available funds) FirstHome Plus Homes for Iowans Plus

KANSAS Neighborhood Housing Services (NHS) of Kansas City

KS

Affordable Housing Program (AHP)

9

KENTUCKY Kentucky Association of Counties (KACO)

KY

Your Kentucky Home Secondary Market Affordable DAP

Kentucky Housing Corporation (KHC)

Regular DAP Hardest Hit Fund Home Buyer Tax Credit

LOUISIANA Capital Area Finance Authority

Capital Advantage

Capital Area Finance Authority

Capital Advantage Grant

Lafayette Public Trust Financing Authority

First Time Homebuyer

MARYLAND

LA MD

Redevelopment Authority of Prince George's County

Pathway to Purchase

Baltimore City DHCD - V2V

Vacants to Value Booster Program

Baltimore City DHCD - Emp Homeownership

Baltimore City Employee Homeownership Assistance Program

Baltimore City DHCD - BIB

Baltimore City DHCD - LNYWS

Buying into Baltimore & City Living Starts Here Buy Into Baltimore Trolley Tour Program Live Near Your Work Grant Community Development Block Grant

DHCD - Maryland Mortgage Program

MCC Program

Frederick County

Frederick County Homebuyer Assistance Program SDLP HomeStarter Loan

Howard County Housing

SDLP HomeSteader Loan SDLP DreamMaker Loan

10

MARYLAND

(continued)

MD

SDLP Revitalization Loan SDLP Workforce Initiative Loan Howard County Housing (continued)

City of College Park Forgiveable Second City of College Park New Neighbor Homeownership Grant Project Reinvest: Homeownership 1st Time Advantage with 3% Assistance Maryland Mortgage Premier Maryland Smartbuy Maryland Preferred Rate

DHCD - Maryland Mortgage Program

MMP - Smartbuy MMP - House keys 4 Employees MMP Smart Keys 4 Employees MMP - Community Partner Incentive Program MMP - Grant Assist Program

MASSACHUSETTS

MA

City of Chicopee

Chicopee FTHB HAP

City of Haverhill

Haverhill FTHB DPA

Greater Boston Hospitality

Local 26 Housing Program

Lynn Housing Authority & Neighborhood Development

Lynn Housing Down payment and Closing Cost Assistance

Mass Mutual Life Insurance Company

Mass Mutual Employee Loan Program

City of Springfield

Springfield First Time Homebuyer Program

City of Worcester

Worcester Grant Program MassHousing Mtg MassHousing Mortgage 100

Massachusetts Housing

Operation Welcome Home MassHousing Mortgage FHA MassHousing Mortgage FHA 100

11

MI

MICHIGAN MI Home Loan MI Home Loan Flex Michigan State Housing Authority (MSHDA)

Step Forward MCC DPA Wayne County First Time Home Program

National Faith Hombuyers

Taylor Homebuyer Assistance Program Westland Homebuyer Assistance Program

Pokagon Band of Potawatomi

Home Ownership Program

MINNESOTA City of Minneapolis

Homeownership Opportunity Minneapolis (HOM)

Dakota County Community Development Agency (CDA)

First Time Homebuyer Program

Midwest Minnesota Community Development Corporation

Project Reinvest

Minnesota Housing Finance Authority

MN

Start Up Step Up

MISSOURI

MO

Beyond Housing

1st Home Down Payment and Closing Cost Assistance

Neighborhood Housing Services (NHS) of Kansas City

Affordable Housing Program (AHP)

12

NEBRASKA Neighborhood Housing Services (NHS) of Kansas City

Affordable Housing Program (AHP)

NEVADA

NE NV

Home is Possible Nevada Housing Division

Home is Possible For Heroes Home is Possible for Teachers MCC Clark County Home

Nevada Partners Inc.

Culinary and Bartenders Housing Partnership Individual Development Account

Nevada Rural Housing Authority Rural Nevada Development Corporation

Home at Last MCC Home at Last Access Down Payment Assistance Program

NEW HAMPSHIRE

NH

2% Home Flex Plus Second 3% Home Flex Plus Second Home Preferred ROCs New Hampshire Housing

Home Flex Home Preferred Home Preferred No MI Home Flex Plus 1st

13

NEW JERSEY

NJ

Homeward Bound First-Time Homebuyer Program New Jersey Housing & Mortgage Finance Agency

Stay at Home Streamline Refinance NJHMFA - Smart Start NJHMFA - HomeSeeker

Burlington County

Burlington County FTHB Program

City of East Orange

East Orange Home Buyers Purchase Program

City of Trenton

First Time Homebuyer Program

Mercer County

Mercer County First Time Homebuyer Program

NEW MEXICO

NM

First Home First Down New Mexico Mortgage Finance Authority (MFA)

Next Home NextDown HomeNow

NEW YORK Community Housing Innovations

Community Housing Innovation Grant

Long Island Housing Partnership (LIHP)

LIHP County of Nassau DPA - Second

New York Housing Conference

Navy Green Supportive Housing

NY

Achieving the Dream State of New York Mortgage Agency

Low Interest Rate Program Conventional Plus Program

14

NEW YORK

(continued)

NY

FHA Plus Program Home of Veterans State of New York Mortgage Agency (continued)

Graduate to Homeownership SONYMA - Down Payment Assistance Loan SONYMA - Neighborhood Revitalization Program

NORTH CAROLINA Charlotte Neighborhood & Business Services

HouseCharlotte

City of Raleigh

City of Raleigh Home Buyer Program

Lumbee Tribe

Down Payment Assistance Program

NC

NC Home Advantage North Carolina Housing Finance Authority

NC 1st Home Advantage MCC

OHIO

OH

Market Rate Ohio Heroes Grants for Grads Ohio Housing Finance Authority

Next Home OHFA Advantage Your Choice! Down Payment Assistance MTC Basic MTC Plus

Hancock Hardin Wyandot Putnam Community Action Commission (HHWPCAC)

Individual Development Accounts (IDA)

Greater Cincinnati Redevelopment Authority

Communities First Ohio

15

OKLAHOMA City of Midwest City

Homebuyer Assistance Program

Neighborhood Housing Services (NHS) of Kansas City

Affordable Housing Program (AHP)

Neighborhood Housing Services Oklahoma City (NHSOKLA)

OK

DPA Homebuyer Assistance Program City of Moore DPA OHFA 4teachers

Oklahoma Housing Finance Agency

OHFA Dream OHFA Dream GOLD OHFA Shield

REI Downpayment Assistance

Gift100

OREGON

OR

RVAR/OAR First Time Homebuyers ACCESS

HOAP (Home Ownership Assistance Program) Welcome Home Program

The Klamath Tribes Housing Department

First Time Homebuyers

Habitat for Humanity

Oregon - Habitat for Humanity

Neighbor Impact

NeighborImpact Down Payment Assistance Program

Neighborhood Works

Neighborhood LIFT Cash Advantage

Oregon Housing and Community Services

Cash Advantage Assistance Rate Advantage City of Portland Down Payment Assistance Loan (DPAL)

Portland Housing Bureau (PHB)

Home Purchase Assistance Home Purchase Assistance DPA Mortgage Credit Certificate

Willamette Neighborhood Housing Services

Individual Development Account (IDA)

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PENNSYLVANIA Bucks County Housing Group

Bucks County First Time Home Buyer Program

Cumberland County

Affordable Housing Trust Fund (AHTF)

Dauphin County Affordable Housing Trust Fund Advisory Board

First Time Homebuyer Program

Housing Partnership of Chester County

Chester County First Time Homebuyer Program

Neighborhood Housing Services (NHS) of Greater Berks

Closing Cost Assistance Program

PA

HOMEstead Downpayment & Closing Cost Keystone Government Loan  Pennsylvania Housing Finance Agency

Keystone Home Loan Program Pennsylvania HFA Preferred Pennsylvania HFA Preferred Risk Sharing

Upper Darby Township

First Time Homebuyer Program

SOUTH CAROLINA

SC

Palmetto Home Advantage South Carolina Housing Finance Authority

Hardest Hit Fund South Carolina Home Buyer Program 1st lien South Carolina Home Buyer Program 2nd lien 10 year term

TENNESSEE The Housing Fund

TN

Down Payment Assistance Great Choice Homeownership for the Brave

Tennessee Housing Development Agency (THDA)

Great Choice Plus HHF Down Payment Assistance Take Credit MCC

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TEXAS City of Austin

Down Payment Assistance

City of Garland

Home Infill Program

TX

Homeownership Incentive Program 120 City of San Antonio

Homeownership Incentive Program Home Ownership Program for Employees Down Payment Assistance

Harris County Housing Finance Corp

Home Ownership Made Easy (HOME) Mortgage Credit Certificate

Neighborhood Housing Services San Antonio

Down Payment Assistance Program 5 Star Texas Advantage Program

Southeast Texas Housing Corp

GoldStar Mortgage Credit Certificate My First Texas My First Texas DPA My Choice

Texas Department of Housing & Community Affairs

My Choice DPA MCC TX TMP MCC My First Texas Home TMP 79 Homes Sweet Texas Home Homes for Texas Heroes

Texas State Affordable Housing

Grant TSAHC 5% Â HFA Preferred DPA Mortgage Credit Certificate

Texas Veteran Land Board

Veterans Housing Assistance Program

Travis County

HFC Hill Country Home DPA

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VIRGINIA

VA

Homeownership Made Affordable Down Payment Assistance Grant Virginia Housing Development Authority

Community Housing Revitalization MCC Plus Second Mortgage Closing Cost Assistance Grant

WASHINGTON Muckleshoot Housing Authority

DPA Program

Parkview Services

Pre-purchase Program

Snoqualmie Indian Tribe

Down Payment Assistance Program

WA

Bellingham Home Advantage First Mortgage Loan Program Home Advantage DPA Home Advantage Needs Based DPA Home Choice Washington State Housing Finance Commission

House Key Opportunity First Mortgage Loan Program House Key Opportunity DPA House Key Plus Seattle House Key Veterans House Key Plus ARCH East King County Pierce County Tacoma

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WEST VIRGINIA City of Parkersburg and the Wood County HOME Consortium

Down Payment Assistance Program

WISCONSIN Chippewa County Housing Authority

Chippewa County DPA

North West Housing Partnership

North West Housing Partnership

WYOMING Cheyenne Housing Authority

WV WI WY

Welcome Home Wyoming

Not for public distribution. loanDepot.com, LLC. All rights reserved. NMLS ID #174457 (www.nmlsconsumeraccess.org/). For more licensing information, please visit www.loanDepot.com/licensing. (032519 193000c)

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BROKER RELATIONSHIPS In order to give our loan consultants and clients the benefit of the most relevant and desirable loan products on the market, we continually source and expand our unique broker relationships. By staying prepared to meet the growing demand for flexible and all-encompassing product offerings in this everchanging mortgage market, loanDepot is able to give our retail loan consultants an unparalleled edge.

With over two dozen close broker relationships in existence today, we provide a top-notch premier product suite, unlike any other lender.

& MORE!

KEY FEATURES

• Hud Section 184 Native American Loan Program

• Lending Area: All but MS, AL, AR, & LA • Non QM Lender • 1 Day seasoning out of short sale and foreclosure • 2 years seasoning out of BK • 12 month bank statement program • Asset depletion • Will qualify a 2 year self employed borrower off of one year of tax returns • Allows a borrower to have up to 15 financed properties • Closing title in an LLC

• Lending Area: AL, AZ, AR, CA, CO, CT, DC, DE, FL, GA, ID, IL, IN, KS, KY, LA, ME, MD, MI, MN, MT, NE, NV, NH, NJ, NC, OK, OR, PA, SC, TN, TX, UT, VT, VA, WA, WI, WY • Interest Only • Jumbo • Non-Conforming Jumbo

• • • •

Asset-Based Loan Cross Collateral Loan HELOC High LTV Non-Conforming

• Co-Ops Outside NY Area • Foreign Nationals • Ex Patriots • Non-Conforming Jumbo • Non-Warrantable Condos, Condo-tels • Hobby farms • Asset depletion • Unique scenarios case by case.

Borrowers must become a member of Advancial Federal Credit Union – no cost to join

• Foreign Nationals, Interest Only, Non Warrantable Condo, Condotels • $300,000 minimum loan amount • No limit to the number of financed properties • Close title in an LLC • Asset depletion • Commercial & over 4 unit properties • Unique scenarios case by case • No longer offering bridge loans in the following states: CT, DE, FL, HI, IL, IN, KS, KY, LA, MD, ME, ND, NJ, NM, NY, OH, OK, PA, SC, VT, WI. Loans currently in the pipeline will be funded. Please contact scenarios with any questions.

• Lending area: FL • Foreign Nationals • Non Warrantable condos

• Lending Area: CT, DE, FL, MA, NH, NJ, NY, PA • Coops in NY Area • Foreign Nationals • Non Warrantable Condos

• 24 Months Bank Statement Program • Foreign National Program • No Social Security Plan Program • Asset Utilization Program • Non-Prime 2 Years from Housing Event or Bankruptcy Program • Non-Prime Recent Housing Event – One Day Out of Foreclosure

• Lending Area: NY Metropolitan area • Coops • Close Title in an LLC

• Doctor Loan Program • Construction to Perm • Only the 6 or 12 month construction terms are available at this time – the 9 month term is not available • All Loan Consultants must complete the Flagstar Bank Construction Training prior to originating a construction loan • Eligible states – all states except Alaska

• Reverse Mortgages

This information is for recruiting purposes and not intended for public distribution. Rates, terms, and availability of programs is subject to change without notice. loanDepot.com, LLC. All rights reserved. NMLS ID #174457 (www.nmlsconsumeraccess.org/). For more licensing information, please visit www.loanDepot.com/licensing. (032519 193000b)