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
#
UNITS
E=Employment
OCC PURP
%/$K
%/$K %/$K %/$K FICO
LTV / LOAN AMOUN T
%/$K
Ratio
Flagstar Bank
NATIONWIDE
AgencyFixed Full V V V Y O PR 1 680 95/417 0/12 95 NA
AgencyFixed Full V V V Y O PR 1-2 620 80/417 0/12 95 NA
AgencyFixed Full V V V Y O PR 2 620 80/417 0/12 80 NA
AgencyFixed Full V V V Y O PR 3-4 620 75/417 0/12 75 NA
AgencyFixed Full V V V Y O C 1 700 85/417 620 80/417 0/12 85 NA
AgencyFixed Full V V V Y O C 2-4 620 75/417 0/12 75 NA
AgencyFixed Full V V V Y V PR 1 720 90/417 620 80/417 0/12 90 NA
AgencyFixed Full V V V Y V C 1 620 75/417 0/12 75 NA
AgencyFixed Full V V V Y N P 1 620 80/417 0/12 85 NA
AgencyFixed Full V V V Y N P 2-4 620 75/417 0/12 75 NA
AgencyFixed Full V V V Y N R 1-4 620 75/417 0/12 75 NA
AgencyFixed Full V V V Y N C 1 620 75/417 0/12 75 NA
AgencyJumbo Full V V V Y O PR 1 700 90/625.5 620 80/625.5 45 0/12 90 NA
AgencyJumbo Full V V V Y O PR 2 620 75/625.5 45 0/12 75 NA
AgencyJumbo Full V V V Y O C 1 620 75/625.5 45 0/12 75 NA
AgencyJumbo Full V V V Y O C 2 620 65/625.5 45 0/12 65 NA
AgencyJumbo Full V V V Y V PR 1 620 80/625.5 45 0/12 80 NA
AgencyJumbo Full V V V Y V C 1 620 65/625.5 45 0/12 65 NA
AgencyJumbo Full V V V Y N PR 1 620 80/625.5 620 75/625.5 45 0/12 80 NA
AgencyJumbo Full V V V Y N PR 2 620 70/625.5 45 0/12 70 NA
AgencyJumbo Full V V V Y N C 1-2 700 65/625.5 45 0/12 65 NA
AgencyJumbo Full V V V Y O PR 1 620 80/729.7 45 0/12 80 NA
AgencyJumbo Full V V V Y O C 1 620 65/729.7 45 0/12 65 NA
AgencyJumbo Full V V V Y V PR 1 620 70/729.7 45 0/12 70 NA
AgencyJumbo Full V V V Y V C 1 620 65/729.7 45 0/12 65 NA
AgencyJumbo Full V V V Y N PR 1 620 70/729.7 45 0/12 70 NA
AgencyJumbo Full V V V Y N C 1 620 65/729.7 45 0/12 65 NA
AgencyJumbo Full V V V Y O PR 1 700 90/625.5 620 80/625.5 45 0/12 90 NA
AgencyJumbo Full V V V Y V PR 1 620 80/625.5 0/12 80 NA
AgencyJumbo Full V V V Y O PR 1 620 80/729.7 0/12 80 NA
AgencyJumbo Full V V V Y V PR 1 620 70/729.7 0/12 70 NA
Accelerate your business with Flagstar, a nationwide lender offering industry-leading technology, compliance tools, fast underwriting turn times and quality service.
866-945-9872
wholesale.flagstar.com
N DU Eligible
N DU Eligible
N DU Eligible
N DU Eligible
N DU Eligible
N DU Eligible
N DU Eligible
N DU Eligible
N DU Eligible
N DU Eligible
N DU Eligible
N DU Eligible
N County limits apply
N County limits apply
N County limits apply
N County limits apply
N County limits apply
N County limits apply
N County limits apply
N County limits apply
N County limits apply
N County limits apply
N County limits apply
N County limits apply
N County limits apply
N County limits apply
N County limits apply
N County limits apply
N County limits apply
N County limits apply
N County limits apply
COMMENTS
ICON Residential Lenders
AgencyConf Full V V V Y O PR 1 660 95/417
AgencyConf Full V V V Y O PR 1-2 620 80/417
AgencyConf Full V V V Y O PR 3-4 620 75/417
AgencyConf Full V V V Y O C 1 620 80/417
AgencyConf Full V V V Y O C 2-4 620 75/417
AgencyConf Full V V V Y N P 1 620 80/417
AgencyConf Full V V V Y N PR 2-4 620 75/417
AgencyConf Full V V V Y N C 1 620 75/417
AgencyJumbo Full V V V Y O PR 1 720 90/729
AgencyJumbo Full V V V Y O C 1-4 740 60/729
Cash-out not available in TX; foreign nationals and manufactured homes ineligible for all products
NATION WIDE except: AK N Y
888-247-6427
www.iconwholesale.com
N DU Eligible
N DU Eligible
N DU Eligible
N DU Eligible
N DU Eligible
N DU Eligible
N DU Eligible
N DU Eligible
N DU Eligible; Subject to county
N DU Eligible; Subject to county
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.
continued >>
