This matrix should be used to
find general program information/
product types, unusual property or
loan characteristics. Please consult
the Prime 1st Mortgages matrix for
detailed program criteria.
1 Acreage: Max acres on res. property (U=Unlimited)
2 Condo: Non-FNMA/FHLMC warrantable
3 Condo: With only 2-3 units
4 Condotels at resort destinations
6 Dome homes
7 Land: Purchase of subdivided lot
8 Land: Purchase of undeveloped raw land
9 Log homes
10 Manufactured home (post-1976) “real” property, doublewide
11 Second dwelling on single tax lot
12 Zoning: Non-owner < 5 units: Zoned other than residential
13 Aliens/foreign nationals: No green
card, second home
14 Aliens/foreign nationals: No green card,
investment property loans are available
15 Builders, Realtors, developers:
No-income verifier loans available
16 Corps., trusts, partnerships and LLCs
17 Minimum loan amount
18 Non-owner: More than 10 financed properties allowed regardless of loan amount
19 Ratio: Combined ratios are allowed
with non-occupant co-borrower
20 Remodel: Conventional at after-remodel value
17 18 19 20
PROGRAMS AND OPTIONS
21 Bridge loans
22 FHLMC: Loan Prospector (LP)
23 FHLMC: Affordable Gold
24 FNMA: Desktop Originator (DO)
25 FNMA: MyCommunityMortgage
26 FNMA: Desktop Underwriter (DU)
27 Govt.: FHA Direct Endorsement
28 Govt.: VA
29 Lock: Longest lock available (number of days)
30 Lock without property address
31 Pledged asset option
32 Reverse mortgages
33 Tenants-in-common ( TIC)
34 Rural property/part-time farm
21 22 23 24 25 26 27 28 29 30 31 32 33 34
Blue Saphire Investments
NATIONWIDE FNMA or FHLMC purchase up to 92% in declining market; manufactured homes (doublewide only), non-owner-occupied purchase up to 80% with DU or LP
Dumont Land Finance Corp.
CO GA MO NM OK TX VA
* Rural, personal use only. 5-acre minimum, $5K max/acre.
NATIONWIDE except: AK DC HI ND WV
580 min score = Refer (manual under write) / 540 min score = Approved/Eligible (FHA)
JMAC Lending Inc.
AZ CA CO FL HI ID NV OR SC TX UT VA WA
Merit Mortgage Services Inc.
AZ CA ID NV OR WA Manufactured home loan specialists. Min FICO of 550, manual underwriting with min FICO of 580, non-occupant co-borrowers and singlewides
available on FHA. Conventional programs include LP A- levels 1-4. Singlewides OK on FHA programs
NATIONWIDE except: AK IA KS KY ME MS MT NC ND NJ NY OH RI VT WI
Oaktree Funding Corp.
AZ CA CO FL ID IN KY MO MS OK OR SD TX UT
Pacific Union Financial
AZ CA CO FL HI ID IL IN MD MO MT NV OK OR SC SD TX UT VA WA
Stated conforming loans up to 90%
Triduanum Financial Inc.
AZ CA FL NC NM NV
No Prior to Doc conditions, no income required upfront -- it will be PTF. We will approve and document your loan in 36-48 hours!
Washington Federal Savings
AZ ID NM NV OR TX UT WA
Please visit our Web site for exact lending areas and program availability in your state. Less than 15 years old only.
*Parcels over 10 must have average marketability. § With 12 months’ seasoning.
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34
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in Scotsman Guide
Scotsman Guide makes every attempt to ensure the quality of matrix and directory information, which all listed lenders verify or update monthly. Because of the production
cycle and dynamic nature of the industry, loan product terms and availability may not reflect the latest changes. Please contact lenders directly for the most-recent program
details. If you believe data is inaccurate or misrepresented, please e-mail: firstname.lastname@example.org.
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