updated as of Tuesday, August 19, 2008

LOAN BALANCE

LOAN BALANCE
0%
45.00%		 45.01% 50.00% 50.01% 55.00%  55.01% 60.00%  60.01% 65.00% 65.01% 70.00%  70.01% 75.00% 75.01% 80.00% 80.01% 85.00% 85.01% 90.00%  90.01% 95.00% 97% FLEX
CONFORMING
0 -
252,700
252,700 - 650,000
650,001 - 1,000,000
1,000,001 - 1,500,000

DOCUMENTATION: REDUCED DOC OR NO RATIO

LOAN BALANCE
0%
45.00%		 45.01% 50.00% 50.01% 55.00%  55.01% 60.00%  60.01% 65.00% 65.01% 70.00%  70.01% 75.00% 75.01% 80.00% 80.01% 85.00% 85.01% 90.00%  90.01% 95.00% 97% FLEX
CONFORMING
0 -
252,700
252,700 - 650,000
650,001 - 1,000,000
1,000,001 - 1,500,000

NO INCOME / NO ASSET

LOAN BALANCE
0%
45.00%		 45.01% 50.00% 50.01% 55.00%  55.01% 60.00%  60.01% 65.00% 65.01% 70.00%  70.01% 75.00% 75.01% 80.00% 80.01% 85.00% 85.01% 90.00%  90.01% 95.00% 97% FLEX
CONFORMING
0 -
252,700
252,700 - 650,000
650,001 - 1,000,000
1,000,001 - 1,500,000

LOAN PURPOSE: CASH OUTS (REFINANCES)

LOAN BALANCE
0%
45.00%		 45.01% 50.00% 50.01% 55.00%  55.01% 60.00%  60.01% 65.00% 65.01% 70.00%  70.01% 75.00% 75.01% 80.00% 80.01% 85.00% 85.01% 90.00%  90.01% 95.00% 97% FLEX
CONFORMING
0 -
252,700
252,700 - 650,000
650,001 - 1,000,000
1,000,001 - 1,500,000

OCCUPANCY: SECOND HOMES

LOAN BALANCE
0%
45.00%		 45.01% 50.00% 50.01% 55.00%  55.01% 60.00%  60.01% 65.00% 65.01% 70.00%  70.01% 75.00% 75.01% 80.00% 80.01% 85.00% 85.01% 90.00%  90.01% 95.00% 97% FLEX
CONFORMING
0 -
252,700
252,700 - 650,000
650,001 - 1,000,000
1,000,001 - 1,500,000

OCCUPANCY CON'T: NON-OWNER

LOAN BALANCE
0%
45.00%		 45.01% 50.00% 50.01% 55.00%  55.01% 60.00%  60.01% 65.00% 65.01% 70.00%  70.01% 75.00% 75.01% 80.00% 80.01% 85.00% 85.01% 90.00%  90.01% 95.00% 97% FLEX
CONFORMING
0 -
252,700
252,700 - 650,000
650,001 - 1,000,000
1,000,001 - 1,500,000

THE LTV'S REPRESENTED ABOVE ARE STANDARD MAXIMUM LOAN TO VALUES.  FOR SPECIAL LOAN PROGRAMS FOR UP TO 100% LOAN TO VALUE CALL OR CONTACT CENTRAL PACIFIC FINANCIAL SERVICES

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