FIRST MORTGAGES
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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
All parameters on each line are used in combination with one another --
each line represents a specific loan scenario or credit grade
PROGRAM
NAME
Type I E A 45
I=Income
E=Employment
A=Assets 45=4506
V=Verified S=Stated
DOCUMENTATION
O
V
N
P
R
C
OCC PURP
Assurity Financial Services LLC
NATIONWIDE except: AL AR DC DE HI IA KS LA MA ME MS
MT ND NE NH NJ NY PA RI SD VT WA WI WV
1.75 F
F
F
F
F
FICO %/$K %/$K %/$K FICO
Ratio
%
30s
in the
Last
Mo
to
%
Ch 7
BK
Disch
Upfront
MI
Max
%
Yearly
MI If
LTV >
____
Ch 13
BK
File
Fore
Satis
Min Yrs Since
Fixed,
ARM,
Both UNITS LTV / LOAN AMOUNT COMBINATIONS
CLTV
F/A/B
DTI
M TG
LATES
BANKRUPTCY/
FORECLOSURE
M TG
INSURANCE
866-901-6825
www.assuritywholesale.com
COMMENTS
FHA Full V V V Y O PR 1-4 620 96.5/625 50 96.5 0/12 2 1 3
FHAC/O Full V V V Y O C 1-4 620 85/625 50 0/12 2 1
FHAStreamline NINA N V N Y ON R 1-4 620 96.5/625 50 96.5 0/12 2 1 3 1.75
VAIRRRL NINA N V N Y O R 1-4 620 100/625 50 0/12 2 1
VA Full V V V Y O PRC 1-4 620 100/625 50 100 0/12 2 1
Experienced FHA/VA lender with industry-leading turn-times and service with competitive rates. Some restrictions in CA and AK
No manufactured
Existing 2nd allowed
No appraisal, full credit, VOE
2055 needed, full credit, VVOE
No manufactured. C/O-90% LTV
Nations Direct Mortgage LLC
AL AZ CA CO FL GA HI IN MA MD MN MT NV OH OR SC
TN TX UT
866-440-9101
www.brokerFHA.com
FHAStandard Full V V V Y O PRC 1-4 620 96.5/417 97.75/417 620
FHAJumbo Full V V V Y O PRC 1-4 660 96.5/72997.75/729 660
Streamline NoRatio N V V O R 1-4 620 97.75/417
Strmln Jumbo No Ratio N V V O R 1-4 660 97.75/729
5/1HybridARM Full V V V Y O PRC 1-4 620 96.5/417 97.75/417 620
5/1Streamline NoRatio N V V O R 1-4 620 97.75/417
“Your FHA wholesale lender.” Price and next-day turn-time specials available on certain products. Call for details.
85/417 57 100 3/12 2 1 3 1.75 0
85/729 57 100 0/12 2 1 3 1.75 0
100 0/12 2 1 3 1.75 0
0/12 2 1 3 1.75 0
85/417 57 3/12 2 1 3 1.75 0
0/12 2 1 3 1.75 0
100
100
B
F
B With/without appraisal
F Without appraisal only
B
B
With/without appraisal
NetMore America
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
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
31
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
1.75 90
Rocky Mountain Mortgage Specialists Inc.
AZ CO DE GA IA ID IN MA MO NC NE NM NV OH SC TN TX
UT WY
888-851-1380
www.myUSDAlender.com
USDA Full V V V Y O P 1 620 102 55 3 1 3 2.0
USDA Full V V V Y O R 1 620 102 55 3 1 3 0.5
Rocky Mountain Mortgage Specialists has participated in the USDA Guaranteed loan program for 9. 5 years. We offer wholesale and retail funding.
F LTV = 102% of appraised value
F LTV = 102% of appraised value
Trust One Mortgage
AZ CA CO CT GA HI ID IN MD NM NV OK OR TX UT WA WY
888-508-7878
www.trustone.com
FHA Full V V V Y O
Trust One Mortgage is your direct FHA lender!
P 1-4
United Wholesale Mortgage
800-981-8898
www.uwmco.com
FHA Purchase
FHA Refi
FHA Jumbo
FHA CO Refi
FHA $100 Down
FHA 3/1 ARM
Full
Full
Full
Full
Full
Full
VVVY O P 1-4 620
V V V Y O RC 1-4 620
V V V Y O PR 1-4 660
VVVY O C 1-4 660
VVVY O P 1-4 620
V V V Y O PRC 1-4 620
97/417
97/417
97/417
85/729
99/417
97/417
NATIONWIDE except: AK CA DE HI NJ NY PA RI SD WV
1.75 0 F
1.75 0 F
1.75 0 F
1.75 0 F
1.75 0 F
1.75 0 A
43 100 0/12 2 1 3
43 100 0/12 2 1 3
43 100 0/12 2 1 3
43 100 0/12 2 1 3
43 100 0/12 2 1 3
43 100 0/12 2 1 3
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.)
Great Streamline product
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.
