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The chapter specifies program matrices, eligible products, and state eligibility restrictions, including rules for qualifying payment, interest-only limitations, loan amounts, minimum credit score, and private mortgage insurance requirements. It further details document requirements, borrower eligibility by citizenship and foreign national status, occupancy and borrower statements, transaction types, credit reporting and inquiry expectations, and key constraints tied to appraisal, fraud checks, and underwriting 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ELIGIBILITY ........................................................................................................................................... 6  \n1.1 PROGRAM MATRICES..................................................................................................................................................... 6  \n1.1.1 ELIGIBLE PRODUCTS .................................................................................................................................................. 6  \n1.1.2 STATE ELIGIBILITY RESTRICTIONS............................................................................................................................ 6  \n1.1.3 QUALIFYING PAYMENT ............................................................................................................................................ 6  \n1.1.4 INTEREST-ONLY RESTRICTIONS............................................................................................................................... 6  \n1.1.5 LOAN AMOUNTS ....................................................................................................................................................... 6  \n1.1.6 MINIMUM CREDIT SCORE ......................................................................................................................................... 6  \n1.1.7 PRIVATE MORTGAGE INSURANCE (PMI) ............................................................................................................... 6  \n1.2 AGE OF DOCUMENT REQUIREMENTS ........................................................................................................................ 7  \n1.2.1 CREDIT REVIEW DOCUMENTATION ....................................................................................................................... 7  \n1.2.2 APPRAISAL ................................................................................................................................................................... 7  \n1.3 BORROWER ELIGIBILITY.................................................................................................................................................... 8  \n1.3.1 CITIZENSHIP ................................................................................................................................................................. 8  \n1.3.2 FOREIGN NATIONAL ................................................................................................................................................. 9  \n1.3.3 NON-OCCUPANT CO-BORROWERS .................................................................................................................. 11  \n1.3.4 FIRST TIME HOMEBUYERS (FTHB) .......................................................................................................................... 12  \n1.3.5 INELIGIBLE BORROWERS ........................................................................................................................................ 12  \n1.3.6 TITLE VESTING AND OWNERSHIP........................................................................................................................ 12  \n1.3.7 OCCUPANCY TYPES ................................................................................................................................................ 16  \n1.3.8 BORROWER STATEMENT OF OCCUPANCY....................................................................................................... 16  \n1.3.9 BORROWER STATEMENT OF BUSINESS PURPOSE (DSCR-INVESTMENT PROPERTY) ............................. 16  \n1.4 TRANSACTION TYPES ..................................................................................................................................................... 18  \n1.4.1 ELIGIBLE TRANSACTIONS ...................................................................................","cbCairFbrv1G8uv3","https://ap.wps.com/l/cbCairFbrv1G8uv3","pdf",1437687,124,"English","# CHAPTER 1-FIRST LIEN ELIGIBILITY\n## 1.1 PROGRAM MATRICES\n## 1.2 AGE OF DOCUMENT REQUIREMENTS\n## 1.3 BORROWER ELIGIBILITY\n## 1.4 TRANSACTION TYPES\n## 1.5 CREDIT","[{\"question\":\"What does Chapter 1 cover in the Non-Agency Guidelines?\",\"answer\":\"Chapter 1 defines eligibility for first lien lending, including program matrices, document-age requirements, borrower eligibility, transaction types, and credit-related rules.\"},{\"question\":\"Which borrower factors are addressed under borrower eligibility?\",\"answer\":\"Borrower eligibility includes citizenship and foreign national requirements, non-occupant co-borrower rules, first-time homebuyer conditions, ineligible borrower identification, title vesting/ownership, and occupancy types and statements.\"},{\"question\":\"What credit and documentation items are required?\",\"answer\":\"The chapter covers credit reports and inquiries, handling undisclosed debt, fraud report and OFAC search requirements, and documentation needs tied to age of documents and appraisal.\"}]","Non-Agency Guidelines - Chapter 1 - First Lien Eligibility | PDF",43]