TruPartner Network

• Minnesota, Wisconsin, Florida and Arizona properties are eligible.
• Collateral may be primary residence, second home or investment (LTV restrictions apply to second homes, investment properties and multi-unit dwellings).
• Restrictions apply to first-time home buyers.
• “Split” CLTV calculations apply to homes valued over $1,000,000.
• Can review current 3rd party appraisal for use by TruStone Financial, otherwise full URAR appraisal may be required.
• Experian credit report guidelines:
  • No foreclosure or short sale within the past five years unless deficiency paid in full.
  • Unsecured debt not to exceed three times the borrower(s) gross monthly income.

Effective December 23, 2024. 

TruPartner 5/1 ARM

I/0 HELOC

Closed-End Fixed - Up to 80% CLTV

Closed-End Fixed - 80.01% - 90% CLTV

Bridge Loans

Non-Primary Home Maximum CLTVs

Qualifying liquid assets include (but are not limited to):

• Vested balance of 401k, IRA or other retirement accounts.
• Nonretirement investment accounts.
• Personal checking, savings, money market and certificate of deposit accounts.
• Cash value of life insurance or annuities.
• Trust accounts.

Special terms & guidelines for CLTVs over 90%:

• 43% maximum DTI.
• Experian credit score of 730 or higher (credit score determined by credit report pulled by TruStone Financial).
• All other normal guidelines apply.