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Eligibility matrix (multidimensional engine)
Program
conventional
fha
jumbo
non_qm
dscr
Purpose
purchase
refi_rate_term
refi_cash_out
Occupancy
primary
secondary
investment
Units
Loan amount ($)
FICO
Requested LTV (%)
Find cell
FHA 203(k) — Limited vs Standard
Repair amount ($)
As-completed value ($)
Purchase price ($, opt.)
Structural work
Determine product
Result
Fill in the data and calculate.
FHA manual — tiered DTI
FICO
Housing ratio (%)
Total ratio (%)
Compensating factors
Reserves (≥3/6 months)
Minimal housing increase
Meets residual income
Significant additional income
No discretionary debt
Evaluate
DTI result
Fill in the data and evaluate.
CLTV / HCLTV
Property value ($)
First lien ($)
Second lien — balance ($)
HELOC — total line ($)
Calculate
Housing history (housing payments)
Months
×30
×60
×90
Evaluate
Loan limit by county
Type
Conforming
Conforming high-cost
FHA floor
FHA ceiling
Units (1-4)
State (2 letters, opt.)
County (opt.)
Query