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The guidelines outline business purpose, high-cost testing and fees, and summarize key program variants including Full Doc Express, Alt Doc Express, and DSCR Express. It details borrower, occupancy, and transaction eligibility across purchase and refinance types, followed by credit eligibility criteria covering credit scores, tradelines, housing history, liabilities, and significant adverse credit. Effective August 10, 2026.",{"@graph":63,"@context":118},[64,80,101],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,71,74,77],{"item":68,"name":69,"@type":70,"position":9},"https://docshare.wps.com","Home","ListItem",{"item":72,"name":10,"@type":70,"position":73},"https://docshare.wps.com/template/",2,{"item":75,"name":51,"@type":70,"position":76},"https://docshare.wps.com/template/general/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/single-family-residential-express-mortgage-program-underwriting-guidelines-august-10-2026/279813/",4,{"url":78,"name":59,"@type":81,"image":82,"author":87,"headline":59,"publisher":90,"fileFormat":93,"inLanguage":57,"description":61,"dateModified":94,"datePublished":95,"encodingFormat":93,"isAccessibleForFree":96,"interactionStatistic":97},"DigitalDocument",{"url":83,"@type":84,"width":85,"height":86},"https://docshare.wps.com/thumbnails/single-family-residential-express-mortgage-program-underwriting-guidelines-august-10-2026/279813.png","ImageObject",442,249,{"name":88,"@type":89},"Kurz","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-09-23","2026-09-16",true,{"@type":98,"interactionType":99,"userInteractionCount":47},"InteractionCounter",{"@type":100},"ViewAction",{"@type":102,"mainEntity":103},"FAQPage",[104,110,114],{"name":105,"@type":106,"acceptedAnswer":107},"What types of Express mortgage products are covered in the guidelines?","Question",{"text":108,"@type":109},"The guidelines summarize Full Doc Express, Alt Doc Express, and DSCR Express, including their related product types.","Answer",{"name":111,"@type":106,"acceptedAnswer":112},"Which areas of eligibility does the underwriting guidance address?",{"text":113,"@type":109},"It covers borrower eligibility, occupancy eligibility, and transaction eligibility, with separate treatment for purchases and refinance transactions.",{"name":115,"@type":106,"acceptedAnswer":116},"What credit-related factors are evaluated for Express mortgages?",{"text":117,"@type":109},"Credit eligibility includes analysis of credit scores and tradeline requirements, housing history, liabilities, and credit events such as forbearance or significant adverse credit.","https://schema.org",{"og:url":78,"og:type":120,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":122,"canonical":78},"index,follow",{"doc_id":124,"site_id":56},279813,1789527923,{"code":4,"msg":5,"data":127},{"doc_id":124,"user_id":128,"nickname":88,"user_avatar":129,"doc_module":9,"category_id":50,"category_name":51,"doc_title":59,"doc_description":61,"doc_content":130,"file_id":131,"file_url":132,"file_type":133,"file_size":134,"view_count":47,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":135,"language":136,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":137,"faqs":138,"seo_title":139,"seo_description":61,"update_tm":125,"read_time":140},2336478945635,"https://ap-avatar.wpscdn.com/davatar_6f874abed73319feea01a86fa6f0fab8","Single Family Residential Express Mortgage Program  \nUnderwriting Guidelines Effective Date: August 10, 2026  \n© 2023 Axos Bank. All Rights Reserved.  \nThese materials may not be copied or disclosed except to the extent expressly permitted in writing by  \nAxos Bank  \nTable of Contents  \n1 INTRODUCTION .......................................................................................................................................... 6  \n1.1 Business Purpose and High-Cost Test/Fees .................................................................................. 7  \n2 SUMMARY AND FEATURES ........................................................................................................................ 8  \n2.1 Full Doc Express .................................................................................................................................. 8  \n2.2 Alt Doc Express.................................................................................................................................... 8  \n2.3 DSCR Express....................................................................................................................................... 8  \n2.4 Product Types ..................................................................................................................................... 9  \n3 BORROWER ELIGIBILITY ............................................................................................................................. 9  \n3.1 Eligible Borrowers ............................................................................................................................... 9  \n3.2 Eligible Vesting .................................................................................................................................. 10  \n3.3 Ineligible Borrowers .......................................................................................................................... 11  \n3.4 Borrower Types ................................................................................................................................. 11  \n4 OCCUPANCY ELIGIBILITY .......................................................................................................................... 12  \n5 TRANSACTION ELIGIBILITY ....................................................................................................................... 13  \n5.1 Purchase............................................................................................................................................ 13  \n5.2 Rate / Term Refinance ...................................................................................................................... 14  \n5.3 Cash-out Refinance Transactions...................................................................................................... 15  \n5.4 Subordinate Financing ...................................................................................................................... 16  \n5.5 Ineligible Transactions ...................................................................................................................... 16  \n6 CREDIT ELIGIBILITY ................................................................................................................................... 17  \n6.1 Analysis of Credit .............................................................................................................................. 17  \n6.1.1 General Requirements ............................................................................................................... 17  \n6.1.2 Credit Scores .............................................................................................................................. 18  \n6.1.3 Tradeline Requirements............................................................................................................. 18  \n6.2 Housing History ..................................................","cbCaindUJUawkKmt","https://ap.wps.com/l/cbCaindUJUawkKmt","pdf",875613,63,"English","# INTRODUCTION\n## Business Purpose and High-Cost Test/Fees\n# SUMMARY AND FEATURES\n## Full Doc Express\n## Alt Doc Express\n## DSCR Express\n## Product Types\n# BORROWER ELIGIBILITY\n## Eligible Borrowers\n## Eligible Vesting\n## Ineligible Borrowers\n## Borrower Types\n# OCCUPANCY ELIGIBILITY\n# TRANSACTION ELIGIBILITY\n## Purchase\n## Rate / Term Refinance\n## Cash-out Refinance Transactions\n## Subordinate Financing\n## Ineligible Transactions\n# CREDIT ELIGIBILITY\n## Analysis of Credit\n## Housing History\n## Liabilities\n## Credit Events\n## Forbearance, Deferred Payments, Modifications\n## Significant Adverse Credit\n# FULL DOC EXPRESS\n## Documentation Requirements\n## Declining / Increasing Income","[{\"question\":\"What types of Express mortgage products are covered in the guidelines?\",\"answer\":\"The guidelines summarize Full Doc Express, Alt Doc Express, and DSCR Express, including their related product types.\"},{\"question\":\"Which areas of eligibility does the underwriting guidance address?\",\"answer\":\"It covers borrower eligibility, occupancy eligibility, and transaction eligibility, with separate treatment for purchases and refinance transactions.\"},{\"question\":\"What credit-related factors are evaluated for Express mortgages?\",\"answer\":\"Credit eligibility includes analysis of credit scores and tradeline requirements, housing history, liabilities, and credit events such as forbearance or significant adverse credit.\"}]","Single Family Residential Express Mortgage Program - Underwriting Guidelines - August 10, 2026 | PDF",22]