Nations Direct Mortgage

VA

FICOs starting at 550

100% LTV Cash Out Min FICO 620

Self-Employed Borrowers Allowed

Highlights

  • Refer/Eligible Manual UW Allowed
  • W2 & Paystub Only
  • No DTI cap with AUS
  • IRRRLs: No AVM / No Appraisal
  • IRRRLs: 2nd Home / Non-Owner Allowed
  • Manufactured Homes Allowed

Products

Standard Balance
30/25yr Fixed
15yr Fixed

High Balance
30/25yr Fixed
15yr Fixed

Resources

Click Here for Custom White Label Flyers

Matrix

VA Standard Matrix

VA Cash-out > 90 Matrix

VA IRRRL Matrix

Appraisal

Forms

Buydown Calculator Job Aid for Brokers

Buydown Calculator

VA Appraisal Order Form

VA Cert Natural Disaster

26-0503 Federal Collection Policy

26-0551 Debt Questionnaire

26-1880 Request for Certificate of Eligibility

26-8261 Request for Cert of Veteran Status

26-8937 Verification of VA Benefits

Nearest Living Relative

VA Authorized Agent Sponsorship Form

VA Child Care Statement

VA IRRRL and Cashout Worksheet

VA Net Tangible Benefit Form

Veterans Statement and Lender Certification

VA Refinance Data Entry Requirements (Non-IRRRL)