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Fixed Conforming FNMA Matrix
GEOGRAPHIC RESTRICTIONS: RIVERSIDE AND SAN BERNARDINO COUNTIES ONLY

Conforming Fixed Product Matrix (FNMA) - CF30FN

Primary Residence: Purchase / Rate & Term Refinance
Property Type Maximum LTV/CLTV/HCLTV Maximum Loan Amount Minimum FICO Score Maximum DTI
  • 1-Unit
  • PUD
  • Condo
 90% $806,500 700 Per DU
  • 2-Units
 90% $1,032,650 700 Per DU
  • 3-Units
 90% $1,248,150 700 Per DU
  • 4-Units
 90% $1,551,250 700 Per DU
Primary Residence: Cash Out
Property Type Maximum LTV/CLTV/HCLTV Maximum Loan Amount Minimum FICO Score Maximum DTI
  • 1-Unit
  • PUD
  • Condo
 80% $806,500 700 Per DU
  • 2-Units
 75% $1,032,650 700 Per DU
  • 3-Units
 75% $1,248,150 700 Per DU
  • 4-Units
 75% $1,551,250 700 Per DU
Second Home: Purchase / Rate & Term Refinance
Property Type Maximum LTV/CLTV/HCLTV Maximum Loan Amount Minimum FICO Score Maximum DTI
  • 1-Unit
  • PUD
  • Condo
 90% $806,500 700 Per DU
Second Home: Cash Out Refinance
Property Type Maximum LTV/CLTV/HCLTV Maximum Loan Amount Minimum FICO Score Maximum DTI
  • 1-Unit
  • PUD
  • Condo
 75% $806,500 700 Per DU
Investment Property: Purchase
Property Type
 Maximum LTV/CLTV/HCLTV Maximum Loan Amount Minimum FICO Score Maximum DTI
  • 1-Unit
  • PUD
  • Condo
 85% $806,500 700 Per DU
  • 2-Units
 75% $1,032,650 700 Per DU
  • 3-Units
 75% $1,248,150 700 Per DU
  • 4-Units
 75% $1,551,250 700 Per DU
Investment Property: Rate & Term Refinance
Property Type Maximum LTV/CLTV/HCLTV< Maximum Loan Amount Minimum FICO Score Maximum DTI
  • 1-Unit
  • PUD
  • Condo
 75% $806,500 700 Per DU
  • 2-Units
 75% $1,032,650 700 Per DU
  • 3-Units
 75% $1,248,150 700 Per DU
  • 4-Units
 75% $1,551,250 700 Per DU
Investment Property: Cash Out
Property Type Maximum LTV/CLTV/HCLTV Maximum Loan Amount Minimum FICO Score Maximum DTI
  • 1-Unit
  • PUD
  • Condo
 75% $806,500 700 Per DU
  • 2-Units
 70% $1,032,650 700 Per DU
  • 3-Units
 70% $1,248,150 700 Per DU
  • 4-Units
 70% $1,551,250 700 Per DU
 
GEOGRAPHIC RESTRICTIONS Eligible Counties:
  • Riverside
  • San Bernardino
 No Exceptions will be allowed.
Product Type: 30-Year Fixed
Amortization: 360 Months
Must have a valid DU Approve/Eligible response.

Follow DU findings for:
  • Documentation
  • Credit History and Tradelines
  • Borrower contributions, including gift funds
  • Reserves
  • DTI
Ineligible Property Types
  • Manufactured/Mobile Homes/Modular Homes
  • Attached Condo Units in a New or Newly Converted Project
  • Cooperatives (Co-Ops)
  • Greater than 10 Acres
Note: For items not addressed on the DU findings, follow FNMA selling guide.

Note: All appraisals must follow Provident Bank Single-Family Lending Division Underwriting Guidelines. Appraisal waivers and desktop appraisals are not eligible.
09/01/2025