1st Mortgages

post your loan search matrixes scotsmanguide.com

Program Name

310- 327-4530 www.meritwholesale.com

3 0 F Manual U/ W OK. Streamlines OK

3 0 F Manual U/ W OK

3 0 F Manual U/ W OK. Streamlines OK

3 0 F Manual U/W OK

3 0 F Manual U/ W OK. Streamlines OK

3 0 F Manual U/W OK

3 0 A Manual U/W OK

3 0 A Manual U/ W OK

Type I E A 45

I=Income

E=Employment

A=Assets 45=4506

V=Verified S=Stated

DOCUMENTATION

Occ

O

V

N

Purp

P

R

C

#

Units FICO %/$K %/$K %/$K FICO

DTI

Ratio

%

Mtg

Lates 30s in the Last # Mo

CLTV

to

%

Ch 7

BK

Disch

Upfront

MI

Max

%

Yearly

MI if

LTV>

____

Ch 13

BK

File

Fore

Satis

Min Yrs Since

MTG

INSURANCE

Fixed, ARM, Both

F/A/B

LTV / LOAN AMOUN T COMBINATIONS

Comments

All parameters on each line are used in combination with one another - each line represents a specific loan scenario or credit grade

BANKRUPTCY/

FORECLOSURE

Merit Mortgage Services Inc.

AZ CA ID NV OR WA

30YearFixed Full V V V Y O PR 1-4 600 96.5/417 96.5 2 1

30YearFixed Full V V V Y O C 1-4 600 85/417 85 2 1

15YearFixed Full V V V Y O PR 1-4 600 96.5/417 96.5 2 1

15YearFixed Full V V V Y O C 1-4 600 85/417 85 2 1

30YearJumbo Full V V V Y O PR 1-4 600 96.5 96.5 2 1

30YearJumbo Full V V V Y O C 1-4 600 85 85 2 1

1/3YearARM Full V V V Y O PR 1-4 600 96.5/417 96.5 2 1

1/3YearARM Full V V V Y O C 1-4 600 85/417 85 2 1

Minimum credit score of 600. Manufactured homes OK. Manual underwriting available. Singlewides OK. Non-occupant co-borrowers acceptable

1.75

new matrix

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 97/729.2

680 97/934.2

680 97/1000

680 85/729.2

680 85/934.2

680 85/1000

680 100/1000

AL AZ CA CO HI ID IL KS LA MN MO MT NE NM NV OK OR

SC TX UT WA WY

503-496-3140 www.netmoreamerica.com

31 1.75 90

31

31 85

41

31

41

1.75 90

United Wholesale Mortgage United Wholesale Mortgage

FHA Purchase

FHA Refi

FHA Jumbo

FHA CO Refi

FHA $100 Down

Full

VVVY O

P 1-4 620

RC 1-4 620

PR 1-4 660

C 1-4 660

P 1-4 620

97/417

85/729

99/417

NATIONWIDE except: AK CA DE HI NJ NY PA RI SD WV

43 100 0/12 2 1 3 1.75 0 F

800-981-8898 www.uwmco.com

Realtors w/ fast closing purch

Close refi before triggers hit

Great pricing, fast closings

Always 24-48 hours in U/ W

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

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