Guidelines
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      1. Spring EQ Wholesale Knowledge Base
      2. Guidelines

      Max CLTV based on FICO and Occupancy Type

      Summary of the FICO, CLTV (Combined Loan-to-Value), and HCLTV (Home Equity Combined Loan-to-Value) maximums based on occupancy type

      Primary Residence

      • FICO 740+: Max CLTV/HCLTV 90%
      • FICO 680-739: Max CLTV/HCLTV 90%
      • FICO 660-679: Max CLTV/HCLTV 80%
      • FICO 640-659: Max CLTV/HCLTV 70%

      Second Home

      • FICO 740+: Max CLTV/HCLTV 80%
      • FICO 680-739: Max CLTV/HCLTV 70%

      Investment Property

      • FICO 740+: Max CLTV/HCLTV 80%
      • FICO 680-739: Max CLTV/HCLTV 70%