Matrixes and Directories
HELPING YOU FUND EVERY DEAL
PRIME
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).
NONPRIME
25 | Niches 1st Mortgages
25 | 1st Mortgages
HARD MONEY
29 | Hard Money
CONSTRUCTION
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.
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Kevin Britton-Simmons
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Editor Tony Stasiek
Senior Associate Editor Ivanna C. Sukkar
Associate Editor Darrick Meneken
CIRCULATION
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Circulation/Events Manager Marilyn Burns
Lead Circulation Assistant Lori Nemitz
Circulation Assistant Angela Cheatham
MATRIX
matrix@scotsmanguide.com
Mortgage Industry Analyst Daniel Yeh
Matrix Analyst Chad McLeod
Matrix Coordinator Shirley Jones
PRODUCTION
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Art Director/Production Manager Dennis Wunsch
Production Specialist Nikki Holman
Senior Designer Deborah Richardson
Interactive Designer Chuck Howard
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45 | Warehouse Lines
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45 | Associations and Events Directory
47 | Resource Directory
48 | Wholesale Lender Directory
I.T.
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OFFICE
Office Manager Barbara del Valle barbara@scotsmanguide.com
CONTRIBUTING AUTHORS
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,
CONTRIBUTING ILLUSTRATORS
Keith Negley, Dennis Wunsch
POLICIES AND USE
Space on Scotsman Guide’s cover and in its matrixes, as well as advertisements listed on Page 10, are sold as paid
advertising. Scotsman Publishing makes decisions regarding editorial placement and content independent of all advertising
influence. More about Scotsman Guide’s editorial policy: www.scotsmanguide.com/write.
Scotsman Publishing takes pride in precise reporting of the data found herein. The information found in Scotsman Guide
is confirmed or updated monthly from independent sources believed to be reliable. Nonetheless, because of the volume
of information reported, occasional errors may occur. We assume no obligation or liability for the accuracy, timeliness or
completeness of any information. Due to the nature of the mortgage industry, financial terms and availability of funds are
always subject to change without notice. This publication is not intended for use by the general public.
The information and opinions expressed in our editorial articles, advertisements and letters to the editor do not necessarily
reflect the opinions of Scotsman Publishing. Inclusion of an article or advertisement in Scotsman Guide should not be
construed as a recommendation or endorsement by Scotsman Publishing or any of our contributors or advertisers.
©2009 Scotsman Publishing Inc. No part of this publication may be reproduced in any form whatsoever without written
authorization of its publisher. Mortgage professionals may print or photocopy Scotsman Publishing’s matrixes, directories
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Total qualified circulation May 2008: 60,237 (BPA Worldwide June 2008 Circulation Statement)
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