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
E=Employment
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
FICO %/$K %/$K %/$K FICO
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 UNITS LTV / LOAN AMOUNT COMBINATIONS
CLTV
F/A/B
DTI
MTG
LATES
BANKRUPTCY/
FORECLOSURE
MTG
INSURANCE
o
503-496-3140
www.netmoreamerica.com
FHA30/FHA15 Full V V V Y O P 1-4
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
680 90/417
8
47
8
8 96
8 / 00
8 / 00
89
8 97/934.2
8
8
8 85/729.2
8
680 /
8 85/1000
8
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 u l
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
471
48
63
888-371-2989
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!
Y
Y
P 1-4 620
96.5/729
96.5/729
2
2
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
B
1
/1
888-508-7878
www.trustone.com
Great rates! 888-508-7878
Great rates! 888-508-7878
866-760-0600
www.uffwholesale.com
We specialize in FHA.
No appraisal Streamlines OK
We specialize in FHA.
We specialize in FHA.
We specialize in FHA.
We specialize in FHA.
We specialize in USDA.
United Fidelity Funding l y u AL AR CO CT FL IA IL IN KS KY LA MN MO NE NV OH OK SC TN TX
FHA30 Full V V V Y O P 1-4 660 96.5/417 55 100 0/12 2 0 3 B
FHA30 Full V V V Y O R 1-4 660 97.75/417 55 100 0/12 2 0 3 B
FHA30 Full V V V Y O C 1-4 660 85/417 55 85 0/12 2 0 3 B
FHA15 Full V V V Y O P 1-4 660 96.5/417 55 100 0/12 2 0 3 B
FHA15 Full V V V Y O R 1-4 660 97.75/417 55 100 0/12 2 0 3 B
FHA15 Full V V V Y O C 1-4 660 85/417 55 85 0/12 2 0 3 B
USDA30 Full V V V O P 1 620 100 55 102 0/12 3 3 3 F
E. A.G.L.E. automated underwriting system, appraisals, fees, forms, licensing, compliance and news available at www.uffwholesale.com
. ted n i n ys em, a p r en g l n a d le t .uff h sa e m
B
B
B
B
/0
/0
/0
/0
/0
/1 3
6
6
671
68
20
Y
Y
Y
Y
Y
Y
2.25
2.25
2.25
2.25
2.25
2.25
2.25
United Wholesale Mortgage
FHAPurchase Full V V V Y O P 1-4 640 97/417
64
9
Y
FHARefi Full V V V Y O RC 1-4 640 97/417
Top ole e d th o nry g H l in -7d ac ss h ou y
Top 10 FHA wholesale lender in the country. Closing FHA loans in 5-7 days across the country!
C
Y
FHAJumbo Full V V V Y O PR 1-4 660 97/729
Y
1
6
cover
FHAJumboC/O Full V V V Y O C 1-4 660 85/729
u C 1-
Y
6 87
FHA$100Down Full V V V Y O P 1-4 640 99/417
Y
1-
64 1
FHA3/1ARM Full V V V Y O PRC 1-4 640 97/417
uY
/1 AR 1-
64
9
FHA5/1ARM Full V V V Y O PRC 1-4 640 97/417
uY
/1 ARM 1-
64
9
Streamline No Doc N N N O R 1-4 640 97/417
cN
S eamli R 1-
NATIONWIDEexcept: AK HI NJ NY PA SD WV
800-981-8898
www.uwmco.com
F Realtors w/ fast closing purch
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
r
r t
r a ss
ys -
po r s )
t r n dt
t tr n d t
c ent a
B
cover
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.
