Section 4: Underwriting Guidelines - esnmc.com
If the borrower’s income is consistent between 2008 & 2009, tax returns for 2010 may not be required. If borrower’s income declined between 2008 & 2009, obtain P&L and 12 months bank statements for
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Section 3.1: Borrower Eligibility - esnmc.com
www.esnmc.comSection 3.1: Borrower Eligibility SNMC Page | 1 Borrower Eligibility 3.1A Overview SecurityNational Mortgage will allow mortgages made to natural persons only.
Completing VA Loan Analysis - esnmc.com
www.esnmc.comEnter the appropriate residual income amount from the following tables in the “guideline” box. Residual income is the amount of net income remaining (after deductions of debts
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