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.
A=Assets 45=4506
V=Verified S=Stated
DOCUMENTATION
PROGRAM
NAME
Type I E A 45
I=Income
E=Employment
P
R
C
O
V
N
NetMore America continued
FHA30HB Full V V V Y O R
FHA30HB Full V V V Y O R
FHA30HB Full V V V Y O C
FHA30HB Full V V V Y O C
FHA30HB Full V V V Y O C
FHA30HB Full V V V Y O C
VA30HB Full V V V Y O PR
VA30or VA15 Full V V V Y O C
County limits apply to all High Balance (HB) programs
1-3 680 97/1000
1-4 680 97/1000
1 680 85/729.2
1-2 680 85/934.2
1-3 680 85/1000
1-4 680 85/1000
1-4 680 100/1000
1-4 680 90/417
FICO %/$K %/$K %/$K FICO UNITS LTV / LOAN AMOUNT COMBINATIONS
7
1.75 90
1.75 90
1.75 90
1.75 90
1.75 90
1.75 90
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
CLTV
F/A/B
MTG
LATES
BANKRUPTCY/
FORECLOSURE
MTG
INSURANCE
COMMENTS
TMSFunding Wholesale e
CT GA MA MD NC NH NJ PA SC TN 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@tmsfunding.com. Broker approval: www.tmsfunding.com
1
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
3
3
888-508-7878
www.trustone.com
Great rates! 888-508-7878
Great rates! 888-508-7878
United Wholesale Mortgage
FHAPurchase Full V V V Y O P 1-4 640 97/417
FHARefi Full V V V Y O RC 1-4 640 97/417
FHAJumbo Full V V V Y O PR 1-4 660 97/729
FHAJumboC/O Full V V V Y O C 1-4 660 85/729
FHA$100Down Full V V V Y O P 1-4 640 99/417
FHA3/1ARM Full V V V Y O PRC 1-4 640 97/417
FHA5/1ARM Full V V V Y O PRC 1-4 640 97/417
Streamline NoDoc N N N O R 1-4 640 97/417
Top 10 FHA wholesale lender in the country. Closing FHA loans in 5-7 days across the country!
N
NATIONWIDE except: AK HI NJ NY PA SD WV
43 100 0/12 2 1 3 1.75 0
43 100 0/12 2 1 3 1.75 0
43 100 0/12 2 1 3 1.75 0
43 100 0/12 2 1 3 1.75 0
43 100 0/12 2 1 3 1.75 0
43 100 0/12 2 1 3 1.75 0
43 100 0/12 2 1 3 1.75 0
100 0/12 2 1 3 1.50 0
3
3
3
3
3
3
3
3
800-981-8898
www.uwmco.com
F Realtors w/ fast closing purchase
F Close refi before triggers hit
F Great pricing, fast closings
F Always 24-48 hours in U/ W
F HUD REO program (state spec.)
A Great FHA Streamline Product
A Great FHA Streamline Product
B Excellent rates
Venta Wholesale
AZ CA CO NV OR UT WA
FHAStandard Full V V V Y O PR 1-4 620 96.5/417 55 0/12 2 1 3 1.75
FHAJumbo Full V V V Y O PRC 1-4 660 96.5/729 50 0/12 2 1 3 1.75
Homepath Full V V V Y O P 1 680 95/417 720 97/417 45 0/12 4 4 4
Conv.15/30 Full V V V Y O PRC 1-4 680 90/417 45 0/12 4 4 4
FHAS/L NoDoc N N N Y O RC 1-4 620 96.5/417 0/12 2 1 3 1.75
203kS/L Full V V V Y O P 1-4 620 96.5/417 50 0/12 2 1 3 1.75
We accept submissions without broker approval! For fastest response call Steve at 702-481-6220 or e-mail scenarios to scowan@goventa.com.
N
3
3
4
4
3
3
702-481-6220
www.goventa.com
B
F www.goventa.com
F
B
F
F
FHA Streamline C/O 640 min FICO
203 K Streamline
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