Matrixes and Directories
HELPING YOU FUND EVERY DEAL
21 | Niches
22 | 1st Mortgages
23 | Stand Alone 2nds
Prime products include loans exceeding FNMA/
FHLMC loan limits, but they generally use
traditional conforming credit guidelines. Minimum
FICO scores would be 620 and greater, and few
mortgage lates would be allowed (zero or one
within 12 months).
25 | Niches 1st Mortgages
25 | 1st Mortgages
29 | Hard Money
41 | Construction
Nonprime (Subprime) products include scores as
low as 500 and mortgage lates of as much as 120
days. To compensate for the less favorable credit
profile, the LTVs are generally lower, and most
documentation types are limited to Full or Stated.
Hard-money lenders generally give more
consideration to the value of the property/
collateral than to credit history. LTVs are usually
less than 65 percent and credit scores, if required,
are less than 500. They specialize in unique, hard-to-find loans. Hard-money lending can be referred
to as private, equity or portfolio lending.
THE LEADING RESOURCE FOR MORTGAGE ORIGINATORS
CHAIRMAN OF THE BOARD
Bob Colliton email@example.com
Director of Business Development Brian Britton-Simmons firstname.lastname@example.org
National Advertising Manager Todd Britton-Simmons email@example.com
Account Executive Kari Jackson firstname.lastname@example.org
Loan Post Consultant Garrett Geiger email@example.com
Editor Tony Stasiek
Senior Associate Editor Ivanna C. Sukkar
Associate Editor Darrick Meneken
Circulation/Events Manager Marilyn Burns
Lead Circulation Assistant Lori Nemitz
Circulation Assistant Angela Cheatham
Mortgage Industry Analyst Daniel Yeh
Matrix Analyst Chad McLeod
Matrix Coordinator Shirley Jones
Art Director/Production Manager Dennis Wunsch
Production Specialist Nikki Holman
Senior Designer Deborah Richardson
Interactive Designer Chuck Howard
45 | Warehouse Lines
45 | Associations and Events Directory
47 | Resource Directory
48 | Wholesale Lender Directory
Office Manager Barbara del Valle firstname.lastname@example.org
Brad Cooper, Christopher Cruise, Tom Delaney, Anthony F. Geraci,
Tom Hopkins, Russell Jipson, Michelle LaBrosse, Gary Lacefield,
Jennifer Landree, Justin Lopatin, Dave Muti, Tom Ninness, Bob Patterson,
Steven Sheasby, Jason Smith, Daryl Spector, Karen Susman, Louise Thaxton,
Dale Vermillion, Bob Waun, Brent White, Beth Wilson, Richard H. Zahm,
Keith Negley, Dennis Wunsch
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