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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.
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
FHA Full V V V Y O PR 1-4 620 96.5/625 50 96.5 0/12 2 1 3 1.75 F
FHAC/O Full V V V Y O C 1-4 620 85/625 50 0/12 2 1 F
FHAStreamline NINA N V N Y ON R 1-4 620 96.5/625 50 96.5 0/12 2 1 3 1.75 F
VAIRRRL NINA N V N Y O R 1-4 620 100/625 50 0/12 2 1 F
VA Full V V V Y O PRC 1-4 620 100/625 50 100 0/12 2 1 F
Experienced FHA/VA lender with industry-leading turn-times and service with competitive rates. Some restrictions in CA and AK
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
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
866-901-6825
www.assuritywholesale.com
No manufactured
Existing 2nd allowed
No appraisal, full credit, VOE
2055 needed, full credit, VVOE
No manufactured. C/O-90% LTV
COMMENTS
Nations Direct Mortgage LLC
AL AZ CA CO FL GA HI IN MA MD MN MT NV OH OR SC
TN TX UT
85/417 57 B
85/729 57 F
B
F
85/417 B
B
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.
100 3/12 2 1 3 1.75 0
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
57 3/12 2 1 3 1.75 0
0/12 2 1 3 1.75 0
With/without appraisal
Without appraisal only
100
100
With/without appraisal
Nationstar Mortgage LLC
FHA Full V V V O P 1
FHA Full V V V O P 1-2
FHA Full V V V O R 1
FHA Full V V V O R 1-2
FHA Full V V V O C 1-2
FHA Full V V V O C 1-2
FHAStreamlin Full V V V O R 1
FHAStreamlin Full V V V O R 1
Max LTV varies per county. Contact us for actual max LTV amounts.
620 96.5/729
620 96.5/729
620 97.75/729
620 97.75/729
620 85/729
620 85/729
620
620 97.75/729
NATIONWIDE except: AK AL DC HI MS
50 1/30 2 1 3
50 1/30 2 1 3
50 1/30 2 1 3
50 1/30 2 1 3
50 90 0/30 2 1 3
50 85 0/30 2 1 3
0/30 1.5
0/30 1.5
877-698-7300
www.nationstarmtg.com
F DTI 31%/43% max -- exceptions
F Condos must be FHA-approved
F Nonoccupant co-borrower inelig
F Homes listed in 6 mths inelig
F No cashout refi in Texas
F FICO middle of 3, lowest of 2
F Loan amt can’t exceed ori note
F Appraisal required
NetMore America
AL AZ CA CO HI ID IL KS LA MN MO MT NE NM NV OK OR
SC TX UT WA WY
31 1.75 90
31
31 85
41
31
31
31
31
31
31
31
31
31
31
31
31
41
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
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
3 F LTV = 102% of appraised value
3 F LTV = 102% of appraised value
USDA Full V V V Y O P 1 620 102 55 3 1
USDA Full V V V Y O R 1 620 102 55 3 1
Rocky Mountain Mortgage Specialists has participated in the USDA Guaranteed loan program for 9. 5 years. We offer wholesale and retail funding.
2.0
0.5
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.
