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Product SmartTrac Full Doc
For Borrowers Who: Have suffered a recent isolated derogatory event
Max LTV 85% Purch/RT
80% Cash Out
Max DTI 50%
W2 Current Paystub Yes
Tax Returns – 4506t Yes
Derogatory Credit Seasoning BK, SS, DIL:
Mortgage History Multiple 30s OK 0x60x12
Asset Amortization Allowed
Max Cash Out $1M
Use Cash for Reserves No
Minimum FICO 620
Financed Properties  Up to 15
Loan Terms Fixed 30,ARM 5/1, 7/1, 10/1 withoptionalInterestOnly;Fixed40InterestOnly(ExcludingSmartVest)
Pre-Pay Penalty None

New Rez:

Sarah DcDowell
Direct: 318-502-2255
[email protected]

Scenario Desk:

Susanna Carouthers
Direct: 330-338-7785
[email protected]

NewRez Scenario desk:

email [email protected] and MGoldma[email protected] (always CC Goldman)

NewRez Condo Review Team:

email [email protected] and [email protected] (always CC Goldman)

SmartTrac Guidelines

Initial Disclosure

SmartTrac info

Scenario Tool

Current turn times



Policies and procedures

Lender Guide


Let's talk! 800-459-7512