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
A=Assets 45=4506
V=Verified S=Stated
DOCUMENTATION
O
V
N
P
R
C
FICO %/$K %/$K %/$K FICO UNITS LTV / LOAN AMOUNT COMBINATIONS
E=Employment
OCC PURP
Ratio
%
30s
in the
Last
%
Ch 7
BK
Disch
Upfront
MI
Max
%
Yearly
MI If
LTV >
____
Ch 13
BK
File
Fore
Satis
Min Yrs Since
Fixed,
ARM,
Both
CLTV
F/A/B
MTG
LATES
BANKRUPTCY/
FORECLOSURE
MTG
INSURANCE
CNB National Lending NATIONWIDE 877-421-4654 www.cnbnationallending.net
USDA Full V V V Y O P 1 620 102 41 0/12 F will entertain a true no score
CNB is a USDA lender. Underwriting times 24-48 hrs. Min. credit score is 620 but we will entertain a true no score. Contact Linda at lindam@cnbnationallending.com or Bryce at bbly@cnbnationallending.com. Web site:
cnbnationallending.net
COMMENTS
Essex Mortgage
FHAStandard Full V V V Y O PR 1-4 620 96.5/417
FHAJumbo Full V V V Y O PR 1-4 640 96.5/729
Streamline No Ratio N V V O R 1-4 660 97.75/417
Strmline Jumb No Ratio N V V O R 1-4 660 97.75/729
For current rate sheet visit: www.essexwholesale.com. User ID: essex; Password: essex123
NR N
NR N
4
/
9
AZ CA CO ID NV OR UT WA
57 100 1/12 2 1 3 1.75
57 100 0/12 2 1 3 1.75
2 1 3 1.75
2 1 3 1.75
949-378-7446
www.essexwholesale.com
B Excellent rates
F May require two appraisals
B www.essexwholesale.com
F Appraisal required
Merit Mortgage Services Inc.
30/15 Fixed Full
30/15 Fixed Full
30/15 Fixed Full
30/15 Fixed Full
30 Year Jumbo Full
30 Year Jumbo Full
3/1 & 5/1 ARM Full
3/1 & 5/1 ARM Full
Loan amount varies by county
F
F
F
VVVY O
VVVY O
VVVY O
VVVY O
VVVY O
VVVY O
VVVY O
VVVY O
PR 1-4 620
96.5/417
85/417
96.5/417
100/417
96.5
85
96.5/417
85/417
4
4
.
85
96 4
1
AZ CA ID NV OR WA
50 96.5 0/12 2 1 3 1.75 0
50 85 0/12 2 1 3 1.75 0
50 96.5 0/12 2 1 3 1.75 0
50 100 0/12 2 1 3 1.75 0
50 96.5 0/12 2 1 3 1.75 0
50 85 0/12 2 1 3 1.75 0
50 96.5 0/12 2 1 3 1.75 0
50 85 0/12 2 1 3 1.75 0
3
3
22 3
22 3
310-327-4530
www.meritwholesale.com
F FHA and VA. Manual U/ W OK
F FHA and VA. Manual U/ W OK
F FHA Streamline - No appraisal OK
F VA IRRL - No appraisal OK
F FHA and VA
F FHA and VA (90%)
A FHA and VA
A FHA and VA
NetMore America
AL AR AZ CA CO GA HI ID IL IN KS LA MD MN MT NE NM
NV OK OR SC TN TX UT WA WY
503-496-3140
www.netmoreamerica.com
FHA30/FHA15
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
4
7
680
/
1
1
1
1
1
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
TMSFunding Wholesale
CT GA MA MD NC NH NJ SC VA
Purchase Full V V V O P 1-4 640 96.5/417 50
Refi Full V V V O R 1-4 640 97.75/417 50
Refi-Cashout Full V V V O C 1-2 640 85/417 50
High-Balance Full V V V O P 1-2 660 96.5/730 50
Max loan amount varies per county. Loan amounts over $417K High-Balance. Contact Robin Buttner: rbuttner@totalmortgage.com. Broker approval: www.tmsfunding.com
4
/
203-876-2200
www.tmsfunding.com
F Subject to county limits
F Subject to county limits
F Subject to county limits
F Loan amount over $417K
Trust One Mortgage
FHA Full V V V Y O
FHA Full V V V Y O
Trust One Mortgage is your direct FHA lender!
P 1-4 620
R 1-4 620
96.5/729
96.5/729
AZ CA CO CT GA HI ID IN MD NM NV OK OR TX UT WA WY
43 0/12 2 1 3 1.75 B
43 0/12 2 1 3 1.75 B
888-508-7878
www.trustone.com
Great rates! 888-508-7878
Great rates! 888-508-7878
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.
