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
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
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
866-440-9101
www.brokerFHA.com
COMMENTS
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
640
640 97.75/729
NATIONWIDE except: AK AL DC HI MS
50 0/60 2 1 3
50 0/60 2 1 3
50 0/60 2 1 3
50 0/60 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
503-496-3140
www.netmoreamerica.com
FHA30/FHA15
FHA30/FHA15
FHA30/FHA15
VA30 or VA15
FHA 30 HB
FHA 30 HB
FHA 30 HB
FHA 30 HB
FHA 30 HB
FHA 30 HB
FHA 30 HB
FHA 30 HB
FHA 30 HB
FHA 30 HB
FHA 30 HB
FHA 30 HB
VA 30 HB
Full
Full
Full
Full
Full
Full
Full
Full
Full
Full
Full
Full
Full
Full
Full
Full
Full
VVVY O P 1-4
VVVY O R 1-4
VVVY O C 1-4
VVVY O PRC
VVVYO P 1
VVVY O P 1-2
VVVY O P 1-3
VVVY O P 1-4
VVVY O R 1
VVVY O R 1-2
VVVY O R 1-3
VVVY O R 1-4
VVVY O C 1
VVVY O C 1-2
VVVY O C 1-3
VVVY O C 1-4
V V V Y O PRC 1-4
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
85
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
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
Trust One Mortgage
888-508-7878
www.trustone.com
FHA Full V V V Y O
Trust One Mortgage is your direct FHA lender!
P 1-4 620 96.5/729
AZ CA CO CT GA HI ID IN MD NM NV OK OR TX UT WA WY
0/12 F
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.
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