Matrixes & Directories
RESIDENTIAL;EDITION VOLUME 16 ISSUE 12 December 2009
Scotsman Guide is published monthly by Scotsman Guide Media
P.O. Box 692, Bothell, WA 98041-0692
TEL: (800) 297-6061 FAX: (425) 485-3550
scotsmanguide.com
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prime niches »
scotsmanguide.com/primeniche
Founder
Geary Britton-Simmons
25
prime first mortgages »
scotsmanguide.com/prime1st
Chairman oF the Board
Kevin Britton-Simmons
Prime products include loans exceeding Fannie Mae/Freddie Mac 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).
General manaGer
Bob Colliton
robertc@scotsmanguide.com
29
fha/va/government »
scotsmanguide.com/fhagov
The FHA/VA/government matrix includes loans sponsored 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.
advertiSinG
vice President of Business development: Brian Britton-Simmons
brianb@scotsmanguide.com
vice President of Sales: Todd Britton-Simmons
toddb@scotsmanguide.com
Senior account executive: Kari Jackson
karij@scotsmanguide.com
loan Post Consultant: Garrett Geiger
garrettg@scotsmanguide.com
editorial articles@scotsmanguide.com
editor: Tony Stasiek
Senior associate editor: Ivanna C. Sukkar
associate editor: Darrick Meneken
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hard money »
scotsmanguide.com/reshardmoney
CirCulation circulation@scotsmanguide.com
Circulation/events manager: Marilyn Burns
lead Circulation assistant: Lori Nemitz
Circulation assistant: Patricia Lawrence
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.
matrix matrix@scotsmanguide.com
mortgage industry analyst: Daniel Yeh
matrix analyst: Alex Henkel
39
construction »
scotsmanguide.com/resconstr
ProduCtion production@scotsmanguide.com
art director/Production manager: Dennis Wunsch
Production Specialist: Nikki Holman
Senior designer: Deborah Richardson
interactive designer: Chuck Howard
aCCountinG accounting@scotsmanguide.com
Construction lenders provide loans for new construction or rehabilitation and renovation.
SoFtware develoPment development@scotsmanguide.com
i.t. it@scotsmanguide.com
FeedBaCk general@scotsmanguide.com
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warehouse lines »
scotsmanguide.com/warehouse
Warehouse lenders offer lines of credit for use in mortgage banking. Some offer training for
new mortgage bankers.
ContriButinG authorS
Jon Bodan, Fred Chamberlin, Christopher Cruise, Tim Davis,
Jeri Lynn Fox, Mitch Harmann, Rob Katz, DK King, Chris Lodge,
William P. Matz, Kathleen A. Nelson, David Olson, Chik Quintans,
Linda Savage, Douglas Smith, Richard Smith, Tanya Themistokleous
10
events directory »
scotsmanguide.com/resevents
42
resource directory »
scotsmanguide.com/resourcedir
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wholesale lender directory »
scotsmanguide.com/lenderdir
Find company addresses, descriptions, account executives and other information.
online »
niche;lenders:;scotsmanguide.com/resniche
scotsman;guide;loan;post:;scotsmanguide.com/loanpost
search;wizard:;scotsmanguide.com/reswizard;(requires Internet Explorer)
PoliCieS and uSe
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