Take the clear path

Skinny Guidelines 2
Put National MI TrueGuide® to work for you – and take the clear path to quickly closing more loans.
Our expanded AUS and Non-AUS underwriting guidelines offer straightforward solutions.

Now it’s easier to keep your loans on track.

Once a loan has been approved by Fannie Mae’s Desktop Underwriter® or Freddie Mac’s Loan Product Advisor℠, just follow our simple AUS guidelines.  Manual underwriting is no longer required.

  • Minimum credit score of 620 for primary residence and second homes
  • 97% LTV down to 620 credit score for primary residence purchase and rate term refinances
  • Investment properties are eligible
  • No condo restrictions
  • No geographic restrictions
  • No Debt-to-Income overlays
  • 100% gift funds allowed

AUS Conforming Affordable

  • Pair with Down Payment Assistance (DPA) up to 105% CLTV with 2ND lien

1Maximum amounts for AK and HI are: Conforming – $625,500 (1 unit) and $800,775 (2 units); Conforming High Balance up to FHFA high balance market maximum loan amounts.
2$625,500 maximum amount available in FHFA high balance market only – otherwise limited to $417,000.
Desktop Underwriter® and DU® are registered trademarks of Fannie Mae; Loan Product Advisor℠ is a service mark of Freddie Mac.

Please refer to National MI’s Underwriting Guidelines and Master Policy for a complete description of policies and requirements.