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FIRST MORTGAGES
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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
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.
All parameters on each line are used in combination with one another —
each line represents a specific loan scenario or credit grade.
DOCUMENTATION
DOCUMENTATION
M TG
M TG
BANKRUPTCY/
BANKRUPTCY/
M TG
M TG
I=Income
E=Employment
A=Assets 45=4506
I=Income
E=Employment
A=Assets 45=4506
LATES
LATES
FORECLOSURE
FORECLOSURE
INSURANCE
INSURANCE
P
R
C
OCC PURP
P
R
C
OCC PURP
Min Yrs Since
Min Yrs Since
Upfront
Upfront
Yearly
Yearly
F/A/B
F/A/B
O
V
N
O
V
N
DTI
DTI
CLTV
CLTV
Ch 7
Ch 7
Ch 13
Ch 13
MI
MI
MI If
MI If
Fixed,
Fixed,
V=Verified S=Stated
V=Verified S=Stated
PROGRAM
PROGRAM
#
LTV / LOAN AMOUNT COMBINATIONS
#
LTV / LOAN AMOUNT COMBINATIONS
I
Ratio
Ratio
30s
in the
Last
30s
in the
Last
NAME
NAME
FICO %/$K %/$K %/$K FICO
FICO %/$K %/$K %/$K FICO
%
%
Mo
to
Mo
to
BK
BK
BK
BK
Fore
Fore
Max
Max
LTV >
LTV>
ARM,
ARM,
Both Type I E A 45
%
%
Disch
Disch
File
File
Satis
Satis
%
%
____
____
Both Type I E A 45
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 P 1-4 620 96.5/729.8 Trust One Mortgage is your direct FHA lender!
UNITS COMMENTS
UNITS COMMENTS
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
cover
cover
FHA Full V V V Y O P 1-4 620 96.5/729.8
Trust One Mortgage is your direct FHA lender!
United Wholesale Mortgage NATIONWIDE except: AK DE HI NJ NY PA RI SD WV 800-981-8898 www.uwmco.com
United Wholesale Mortgage NATIONWIDE except: AK DE HI NJ NY PA RI SD WV 800-981-8898 www.uwmco.com
Y 43 100 0/12 2 1 3 1.75 0 F Realtors w/ fast closing purch
Y 43 100 0/12 2 1 3 1.75 0 F Realtors w/ fast closing purch
Y 43 100 0/12 2 1 3 1.75 0 F Close refi before triggers hit
Y 43 100 0/12 2 1 3 1.75 0 F Close refi before triggers hit
Y 43 100 0/12 2 1 3 1.75 0 F Greatpricing,fastclosings
Y 43 100 0/12 2 1 3 1.75 0 F Greatpricing,fastclosings
0
F
Y 43 100 0/12 2 1 3 1.75 0 F Always 24-48 hours in U/ W
Y 43 100 0/12 2 1 3 1.75 0 F Always 24-48 hours in U/ W
0
F
Y 43 100 0/12 2 1 3 1.75 0 F HUD REO program (state spec.)
Y 43 100 0/12 2 1 3 1.75 0 F HUD REO program (state spec.)
0
F
Y 43 100 0/12 2 1 3 1.75 0 A Great FHA Streamline Product
Y 43 100 0/12 2 1 3 1.75 0 A Great FHA Streamline Product
01
A
Y 43 100 0/12 2 1 3 1.75 0 A Great FHA Streamline Product
Y 43 100 0/12 2 1 3 1.75 0 A Great FHA Streamline Product
Y
0/ 1
A
100 0/12 2 1 3 1.50 0 B Excellentrates
100 0/12 2 1 3 1.50 0 B Excellentrates
0/ 1
B
FHAPurchase Full V V V O P 1-4 640 97/417
FHARefi Full V V V O RC 1-4 640 97/417
FHAJumbo Full V V V O PR 1-4 660 97/729
FHA Jumbo C/O Full V V V O C 1-4 660 85/729
FHA $100 Down Full V V V O P 1-4 640 99/417
FHA 3/1 ARM Full V V V O PRC 1-4 640 97/417
FHA 5/1 ARM Full V V V O PRC 1-4 640 97/417
Streamline No Doc N N N O R 1-4 640 97/417
Top 10 FHA wholesale lender in the country. Closing FHA loans in 5-7 days across the country!
FHAPurchase Full V V V O P 1-4 640 97/417
FHARefi Full V V V O RC 1-4 640 97/417
FHAJumbo Full V V V O PR 1-4 660 97/729
FHA Jumbo C/O Full V V V O C 1-4 660 85/729
FHA $100 Down Full V V V O P 1-4 640 99/417
FHA 3/1 ARM Full V V V O PRC 1-4 640 97/417
FHA 5/1 ARM Full V V V O PRC 1-4 640 97/417
Streamline No Doc N N N O R 1-4 640 97/417
Top 10 FHA wholesale lender in the country. Closing FHA loans in 5-7 days across the country!
7/ 7
7/ 9
0 /9
0
0 7/4 7
0 7/4 7
40 97/4 7
lV
l VV
l VVV
l VVV
ll VVV
N D
Tell lenders you found them in Scotsman Guide 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.
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.
Residential Mortgage Banking Branch Program for Professionals
Residential Mortgage Banking Branch Program for Professionals
Guaranteed, an established and well-funded Mortgage Banker since 1992, is positioned to continue its prominence in the industry.
As a leading FHA Direct Endorsed Lender, we underwrite all files in-house. This allows for faster approvals, common-sense underwriting
and timely closings. We are actively seeking relationships with productive mortgage teams and entrepreneurial mortgage professionals.
Guaranteed, an established and well-funded Mortgage Banker since 1992, is positioned to continue its prominence in the industry.
As a leading FHA Direct Endorsed Lender, we underwrite all files in-house. This allows for faster approvals, common-sense underwriting
and timely closings. We are actively seeking relationships with productive mortgage teams and entrepreneurial mortgage professionals.
EXECUTIVE OFFICES:
108 Corporate Park Drive, Suite 301, White Plains, N Y 10604
call: Kelley Berkheiser or Louis Tesoriero
(888) 329-GHMC
www.joinguaranteed.com
EXECUTIVE OFFICES:
108 Corporate Park Drive, Suite 301, White Plains, NY 10604
call: Kelley Berkheiser or Louis Tesoriero
(888) 329-GHMC
www.joinguaranteed.com
