# Revised Overlay Matrix

Source: https://www.gatewaycorrespondent.com/announcements/revised-overlay-matrix

Please take a moment to review the updated Overlay Matrix, available on our website as of May 17th, 2019.

Below is a list of the most significant changes to the Overlay Matrix:

No score/non-traditional credit allowed on all loan programs, subject to Agency Guidelines.


- No maximum DTI on all loan programs that receive an AUS approval from DU or LP, except HUD 184 and USDA loans.  Clients must follow agency guidelines regarding compensating factors.
- Removed several property types from ineligible list
- Allow escrow waivers up to 89.99%
- Removed limit of number of loans serviced by Gateway


*Please direct any questions to your Regional Sales Manager*