PROGRAM HIGHLIGHTS

PROGRAM TYPE,
PROPERTY TYPE OR
SPECIALTY PROGRAM		 700+
MAX     MAX
LOAN   CLTV		 680 -699
MAX     MAX
LOAN   CLTV		 660 - 679
MAX     MAX
LOAN   CLTV		 640 - 659
MAX     MAX
LOAN   CLTV		 630 - 639
MAX   MAX
LOAN CLTV		 620 - 629
MAX   MAX
LOAN CLTV

CONSOLIDATOR 125
(Owner-Occupied Only)
Single Family Dwelling, Two Unit, PUD, Townhome $75,000   125% $60,000   125% $50,000   125% $35,000   125% N/A     N/A N/A     N/A
Condo (1 - 8 stories)

3 - 4 units		 $35,000   125%

$35,000   125%		 $35,000   125%

$35,000   125%		 $35,000   125%

N/A     N/A		 $35,000   125%
N/A     N/A		 N/A     N/A

N/A     N/A		 N/A     N/A

N/A     N/A
Refinance Second Mortgage
(seasoning <12 months)		 $50,000   125% $50,000   125% $50,000   125% N/A     N/A N/A     N/A N/A     N/A
Modular Pre-Cut/Panelized Housing $17,500   125% $17,500   125% $17,500   125% N/A     N/A N/A     N/A N/A     N/A
Self-Employed $50,000   125% $50,000   125% $50,000   125% N/A     N/A N/A     N/A N/A     N/A
First-Time Homebuyer * $25,000   125% $25,000   125% N/A     N/A N/A     N/A N/A     N/A N/A     N/A
Limited Credit Borrower *
Bankruptcy/CCC		 $25,000   125% $25,000   125% $25,000   125% N/A     N/A N/A     N/A N/A     N/A

ALLIED 100
(Owner-Occupied Only)
Single Family Dwelling, Two-Unit, PUD, Townhouse or Condo $100,000   100% $100,000   100% $50,000   95% $50,000   95% N/A     N/A N/A     N/A
Refinance Second Mortgage
(seasoning <12 months)		 $50,000   100% $50,000   100% $50,000   95% N/A     N/A N/A     N/A N/A     N/A
Self-Employed $50,000   100% $50,000   100% $50,000   95% N/A     N/A N/A     N/A N/A     N/A
First Time Buyer $25,000   95% $25,000   95% $25,000   95% N/A     N/A N/A     N/A N/A     N/A
Limited Credit Borrower $25,000   95% $25,000   95% $25,000   95% N/A     N/A N/A     N/A N/A     N/A

TITLE I - Program not available as of 10/24/00
Single Family Dwelling $25,000 no limit $25,000 no limit $25,000 no limit $25,000 no limit $25,000 no limit N/A     N/A
Multi-Family Dwelling $60,000 or $12,000
per unit   no limit		 $60,000 or $12,000
per unit   no limit		 $60,000 or $12,000
per unit   no limit		 $60,000 or $12,000
per unit   no limit		 $25,000 no limit N/A     N/A
Manufactured Home
(assessed as real property)		 N/A     N/A N/A     N/A N/A     N/A N/A     N/A N/A     N/A N/A     N/A
Approved for Second Mortgage in the following states:
AZ, AL, CA, CO, CT, FL, GA, IL, KS, KY, LA, MA, MD, ME, MI, MS, MO, MT, NC, NH, NJ, NM, NV, OK, PA, SC, TN, UT, VA, WI, WY

*   640 FICO Pricing Only