Matrixes and Directories
RESIDENTIAL EDITION VOLUME 16 ISSUE 8 AUGUST 2009
HELPING YOU FUND EVERY DEAL
23 | Niches
25 | 1st Mortgages
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).
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
27 | FHA/VA/Government The FHA/VA/Govt. matrix includes loans ponsored or backed by a government agency,
excluding government-sponsored enterprises now
under conservatorship. Examples include Federal
Housing Administration (FHA), U.S. Department
of Veterans Affairs (VA) and U.S. Department
of Agriculture (USDA) Rural Housing loans.
FICO scores as low as 580 are allowed, as are
bankruptcies/foreclosures, in some cases.
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 Patricia Lawrence
31 | Hard Money
35 | Construction
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.
37 | Warehouse Lines
39 | Resource Directory
41 | Wholesale Lender Directory
Mortgage Industry Analyst Daniel Yeh
Matrix Analyst Chad McLeod
Art Director/Production Manager Dennis Wunsch
Production Specialist Nikki Holman
Senior Designer Deborah Richardson
Interactive Designer Chuck Howard
Pete Castillejos, Tom Duncan, Mitch Harmann, David L. Hippensteel,
Brad Kelso, Michelle LaBrosse, David K. Lal, George H. Marentis, Ryan Minick,
J. Daniel Neumann, Robert Nolan, Gary Opper, Joe Ramis, Bill Rice,
Jerry Rouleau, Richard Smith
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Scotsman Guide | Residential |
scotsmanguide.com | August 2009