SINGLE-FAMILY
RESIDENCES
1 Builder/custom-borrower owns lot:
a) Max loan amount and b) max LTV
2 Builder model/spec: Max loan amount
3 Builder sold: Builder owns lot and has
contract to sell: Max LTV
4 Corporations, trusts and legal entities
5 First-time builder with limited experience
6 Newly self-employed
7 Owner who is a builder
8 Self-build: Max LTV
BORROWER T YPES
MV
m
n
o
l
9 Condos: High-rise
10 Condos: Low-rise
11 Land development
12 Log homes
13 Mixed-use properties
14 Manufactured mobile homes
15 Modular homes
16 Partially completed construction
17 Residential lot acquisition: Max LTV
18 Rural properties
19 Second dwelling on single tax lot
PROPERTY TYPES
20 100% CLTV
21 Additional advances
22 Blanket loans
23 Construction-to-permanent (all in one loan)
24 Draws on demand
25 Gifted lot
26 Payment reserve
27 Interest-only payment loans
28 Less-than-perfect credit
29 Line of credit
30 On-time completion bonus
31 Principal reductions with re-amortization
32 Remodel loans: Max loan amount
33 Stated income: Max loan amount
34 “No-Payment” option
e
l
-t
c ih
e
n
P
COMPANY NAME
$
1a
1b
%
$
2
3 4567 8
%%
6
9 10 11 12 13 14 15 16
%
17
%
18 19 20 21 22 23 24 25 26 27 28 29 31 30
$
32
$
33 34
Aztec Financial
800-663-0997
3M 60 3M
70 Y Y Y Y 60 Y Y Y Y Y 0
Y 60
YYYY
YYYYYY
Y3M Y3
3M Y
CA
CA only. May lend up to 65% LTV on construction loans 6
Bismark Mortgage Co.
800-350-7199 x106
www.bismarkmortgage.com
400K 70 400K 60 Y
Y 70
Y
Y
YY
YYYY
400K Y
NATIONWIDE except: AR CT DE FL IA KS LA MS MT ND NE NH NM OK RI SC SD VT WI WV WY WY
Please see Web site for additional information. lea W a
Normandy
800-390-7536
www.normandy.com
2M 90
2M
75 Y Y Y Y 90 Y
YYYY
Y Y 75 Y Y
YYYYY YY
YY
Y2M Y2
2M Y 2
NATIONWIDE except: AL AR AZ DC ID LA MN MS ND NE NM NV OR SD TX VT WI WV
Seattle Funding Group Ltd.
800-974-8625
www.SeattleFundingGroup.com
2M
70
70 Y
YY
CO HI NV OR UT WA
Seattle Funding Group of California
858-751-0556
www.SeattleFundingGroup.com
3M
CA
70
70 Y
YY
WADOT Capital Inc.
206-362-4444
www.wadotcapital.com
1M
75
1M
75 Y Y Y Y 75
ID OR WA
Tell lenders you found them in Scotsman Guide
YY
Y
Y
Y
YY
YYYYYYYY 2M Y
2M Y 2
YY
Y
Y
Y
YY
YYYYYYYY 2M Y
2M Y 2
Y Y Y Y Y Y Y 70 Y Y Y Y Y
YYYYY Y
1M 1
1M
LTVs based on cost-to-construction. ID, OR & WA only
1a
1b
2
3 4 5 6 7 8 9 10 11 12 13 14 15 16 18 19 20 21 22 23 24 25 26 27 28 29 31 30 32 17 0 9 1
33 34
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.
that you connect with a segment of the
population more aligned with the areas
in which you operate and the products
you have to offer.
One of the best ways to discover what
people are searching for on Google is to
go to the source: adwords.google.com/
select/Keyword ToolExternal.
Meanwhile, Facebook has emerged
as one of the most-important developments in Internet marketing since
Google. With one-third of the U.S. population now on the site, Facebook is no
longer an option you and your business
can avoid.
We’re not talking about the personal
side of Facebook but rather the side on
which you can make money. You know
those little advertisements that pop up
while you’re browsing Facebook? It’s no
coincidence they align with your interests. The great thing about Facebook
advertising is that it’s possible to target your audience by geography, age or
specific interests.
Facebook catalogs everything you
do on the site and sells it to marketers.
What you see now is just the tip of the
iceberg when it comes to Facebook’s
marketing power.
Are you listed?
Do you remember paying for your
phone-book ad? Maybe you still do.
But those ads can be costly and even
a waste of money. Think of the last time
you used a phone book.
“You can’t expect
success before you’ve
made a full-time
commitment.”
When you want to find a business
or a service, chances are you pull up
Google and type away. Have you ever
noticed what comes up? All kinds of
little directories with people’s business
information. Is yours there?
Hundreds of little directories feed
Google and other search engines information every day. They tell the engines who you are, what you do and
how to get a hold of you — all of that
and a link to your Web site. Google
sees each one as a vote for who you
are and how highly your page should
be ranked.
An amazing thing about these directories is that many businesses don’t
use them, yet they are almost always
free to join.
One way to take advantage of this
is to pay a search-engine-optimization
company to list you with at least 100
directories. This typically costs about
$100 to $500.
Where to start
Now that you know some of the basics about online marketing, you
must keep yourself from feeling overwhelmed by the task. Here are a few
steps to help you get started and to
stay in control:
Choose a champion. • Elect someone
in your office or your company to
educate you on the best steps, ser-
vices or changes to overhaul your
Web presence.
