Exhibit 12 – FSB Select Jumbo Visa Classification
November 23, 2022
Purchase Initial UW: 24-48 hours
Purchase Conditions: 24-48 hours
Refinance Initial UW: 48 hours
Refinance Conditions: 48 hours
Jumbo Key (Fixed), Initial UW: 48 hours
Jumbo Key (Fixed), Conditions: 48 hours
Jumbo Key (Fixed), Final CTC Review: 48-72 hours
Jumbo Express (ARM), Initial UW: 48 hours
Jumbo Express (ARM), Conditions: 48 hours
