Program
Name
DOCUMENTATION
Mtg BANKRUPTCY/ MTG
I=Income Lates FORECLOSURE INSURANCE F/A/B
E=Employment Occ Purp LTV / LOAN AMOUN T COMBINATIONS
Min Yrs Since
30s Upfront Yearly
A=Assets 45=4506 DTI CLTV
O P in the Ch 7 Ch 13 MI MI if Fixed,
V=Verified S=Stated
V R Ratio to Last BK BK Fore Max LTV> ARM,
Type I E A 45 N C Units FICO / $K / $K FICO / $K Mo Disch File Satis ____ Both Comments
All parameters on each line are used in combination with one another - each line represents a specific loan scenario or credit grade
NATIONWIDE except: AK AR DC DE IA IN KS KY MA MD ME 801-924-7737
MS ND NE NH NJ NY PA RI SD VT WV www.DirectMortgageWholesale.com
55 100 0/12 B
55 100 0/12 B
55 0 0/12 B
55 0 0/12 B
55 100 0/12 B
55 0 0/12 B
41 100 0/12 B
41 0 0/12 B
41 102 0/12 F
Direct Mortgage Corp.
FHA$100Down Full V V V Y O P 1
FHAPurchase Full V V V Y O P 1-4
FHARefinance Full V V V Y O R 1-4
FHARefinance Full V V V Y O C 1-4
FHAHighBal Full V V V Y O P 1-4
FHAHighBal Full V V V Y O RC 1-4
VAPurch Full V V V Y O P 1-4
VARefi Full V V V Y O RC 1-4
USDARural Full V V V Y O P 1-4
FHA loan limits vary by county -- please call for more information.
620 100/417
620 96.5/417
620 97.7/417
620 95/417
620 96/729.7
620 97/729.7
620 100/417
620 90/417
620 100/417
new matrix
Merit Mortgage Services Inc.
AZ CA ID NV OR WA
30YearFixed Full V V V Y O PR 1-4 580 96.5/417 96.5 2 1 3 1.75 0
30YearFixed Full V V V Y O C 1-4 580 85/417 85 2 1 3 1.75 0
15YearFixed Full V V V Y O PR 1-4 600 96.5/417 96.5 2 1 3 1.75 0
15YearFixed Full V V V Y O C 1-4 600 85/417 85 2 1 3 1.75 0
30YearJumbo Full V V V Y O PR 1-4 600 96.5 96.5 2 1 3 1.75 0
30YearJumbo Full V V V Y O C 1-4 600 85 85 2 1 3 1.75 0
1/3YearARM Full V V V Y O PR 1-4 600 96.5/417 96.5 2 1 3 1.75 0
1/3YearARM Full V V V Y O C 1-4 600 85/417 85 2 1 3 1.75 0
Minimum credit score of 580. Manufactured homes OK. Manual underwriting available. Singlewides OK. Non occupant co-borrowers acceptable
310- 327-4530
www.meritwholesale.com
F Manual U/ W OK. Streamlines OK
F Manual U/ W OK
F Manual U/ W OK. Streamlines OK
F Manual U/ W OK
F Manual U/ W OK. Streamlines OK
F Manual U/ W OK
A Manual U/ W OK
A Manual U/ W OK
NetMore America
FHA30/FHA15 Full V V V Y O P 1-4
FHA30/FHA15 Full V V V Y O R 1-4
FHA30/FHA15 Full V V V Y O C 1-4
VA30orVA15 Full V V V Y O PRC
FHA30HB Full V V V Y O P 1
FHA30HB Full V V V Y O P 2
FHA30HB Full V V V Y O P 3
FHA30HB Full V V V Y O P 4
FHA30HB Full V V V Y O R 1
FHA30HB Full V V V Y O R 2
FHA30HB Full V V V Y O R 3
FHA30HB Full V V V Y O R 4
FHA30HB Full V V V Y O C 1
FHA30HB Full V V V Y O C 2
FHA30HB Full V V V Y O C 3
FHA30HB Full V V V Y O C 4
VA30HB Full V V V Y O PRC 1-4
FHA HB allows $1,129,250 for 3 units, $1,403,400 for 4 units
680 96.5/417
680 97.7/417
680 85/417
680 100/417
680 96/729.7
680 96/934.2
680 96/1000
680 96/1000
680 97/729.2
680 97/934.2
680 97/1000
680 97/1000
680 85/729.2
680 85/934.2
680 85/1000
680 85/1000
680 100/1000
United Wholesale Mortgage
FHA Purchase
FHA Refi
FHA Jumbo
FHA CO Refi
FHA $100 Down
Full
Full
Full
Full
Full
VVVY O
VVVY O
VVVY O
VVVY O
VVVY O
P 1-4 620
RC 1-4 620
PR 1-4 660
C 1-4 660
P 1-4 620
97/417
95/417
97/417
85/729
99/417
AL AZ CA CO HI ID IL KS LA MN MO MT NE NM NV OK OR 503-496-3140
SC TX UT WA WY www.netmoreamerica.com
31 1.75 90
31
31 85
41
31
31
31
31
31
31
31
31
31
31
31
31
41
1.75 90
1.75 90
1.75 90
1.75 90
1.75 90
1.75 90
1.75 90
1.75 90
1.75 90
1.75 90
1.75 90
1.75 90
NATIONWIDE except: AK CA CT DE HI MD NJ NY PA RI SD
WV
43 100 0/12 2 1 3 1.75 0
43 100 0/12 2 1 3 1.75 0
43 100 0/12 2 1 3 1.75 0
43 100 0/12 2 1 3 1.75 0
43 100 0/12 2 1 3 1.75 0
800-981-8898
www.uwmco.com
F Realtors w/ fast closing purch
F Close refi before triggers hit
F Great pricing, fast closings
F Always 24-48 hours in U/ W
F HUD REO program (state spec.)
LEGEND: P=Purchase; R=Rate and Term Refi; C=Cash-Out Refi; O=Owner Occupied; V=Vacation Home; N=Non Owner Occupied; NINA=No Income, No Asset; SISA=Stated Income, Stated Asset; SIVA=Stated Income, Verified Asset
Tell lenders you found them
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: matrixfeedback@scotsmanguide.com.
