GMFS Guides

Retail

• Conventional SOFR ARM Product Guide (Retail)
  Version 2026.10 · PDF
• Down Payment Advantage (Retail)
  Version 4 · PDF
• Expanded Product Guidelines (Retail)
  Version 2026.10.22 · effective September 29, 2026 · PDF
• Product Eligibility Matrix (Retail)
  Version 2026.08 · PDF
• Smart DPA Program Guide (Retail)
  Version 2026.10 · effective October 5, 2026 · PDF

Retail and TPO

• DSCR / Business Purpose Lending Guidelines · GMFS Mortgage
  Version 2026.10 · effective August 4, 2026 · PDF
• DSCR / Business Purpose Lending Guidelines · GMFS Partners
  Version 2026.10 · effective August 4, 2026 · PDF

TPO

• Conventional SOFR ARM Product Guide (TPO)
  Version 2026.10 · PDF
• Correspondent Selling Guide
  Version 9 · PDF
• Down Payment Advantage (TPO)
  Version 4 · PDF
• Expanded Product Guidelines (TPO)
  Version 2026.10.26 · effective October 26, 2026 · PDF
• HomeStyle Renovation Product Guide
  Version 2026.08.14 · PDF
• Jumbo Express Program Guide (TPO)
  Version 14 · PDF
• Medical Professional Loan Program
  Version 3.0 · effective June 24, 2026 · PDF
• Product Eligibility Matrix (TPO)
  Version 2026.08 · PDF
• Smart DPA Program Guide (TPO)
  Version 2026.10 · effective October 5, 2026 · PDF
• TPO Product Guide
  Version 9.3 · PDF
• Wholesale Selling Guide
  Version 8.1 · PDF

For mortgage professionals. Not for consumer distribution.