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
OCC PURP
FICO
#
UNITS
%/$K
NetMore America
NATIONWIDE except: AK CT DC DE FL IA KY MA ME MI MS
NC ND NH NJ NY OH PA RI SD VA VT WI WV
503-496-3140
www.netmoreamerica.com
45 95 NA N N Not available in CA
45 85 NA N N 3- to 4-unit max 75%
90 NA N N
75 NA N N
85 NA N N 3- to 4-unit max 75%
75 NA N N
75 NA N N
45 75 NA N N
45 75 NA N N
45 60 NA N N
45 65 NA N N
45 65 NA N N
720 90/625 45 90 NA N N
700 80/729 45 90 NA N N
700 80/625 45 90 NA N N
45 90 NA N N
%/$K %/$K %/$K %/$K FICO
Ratio
%
Mtg
Lates
30s
in the
Last
Mo
to
%
IO
Period
Yrs
Fixed,
ARM,
Both
F/A/B
40-yr
Amort
30-yr
Term
w/Min
Pmt/
Neg
Am
40/30 ARM Interest Only
LTV / LOAN AMOUNT
Combinations tied to different scores
COMMENTS
PRODUC T OPTIONS
CLTV DTI LTV / LOAN AMOUNT
MTG
LATES
CF30/CF15 Full V V V Y O PR 1 680 95/417
CF30/CF15 Full V V V Y O C 1 680 80/417
CF30/CF15 Full V V V Y V PR 1 680 90/417
CF30/CF15 Full V V V Y V C 1 680 75/417
CF30/CF15 Full V V V Y N P 1-2 680 80/417
CF30/CF15 Full V V V Y N R 1-4 680 75/417
CF30/CF15 Full V V V Y N C 1-2 680 75/417
CF30HB Full V V V Y O PR 1 680 75/625
CF30HB Full V V V Y O PR 2-4 740 75/729
CF30HB Full V V V Y O C 1 740 60/729
CF30HB Full V V V Y V PR 1 740 65/729
CF30HB Full V V V Y N PR 1-4 740 65/729
CF30HB Full V V V Y O PR 1 700 80/625
CF30HB Full V V V Y O PR 1 680 75/729
CF30HB Full V V V Y O R 1 680 75/625
CF30HB Full V V V Y O R 1 720 90/625
HB programs are subject to county limits. Any LTV >80% subject to MI company restrictions
3- to 4-unit max 70%
County limits apply
County limits apply
County limits apply
County limits apply
County limits apply
County limits apply
Max CLTV 75% with <700 FICO
Max CLTV 75% with <700 FICO
County limits apply
TMSFunding Wholesale
CT GA MA MD NC NH NJ PA SC TN VA
41 0/12 NA
50 0/12 NA
50 0/12 NA
50 0/12 NA
50 0/12 NA
50 0/12 NA
50 0/12 NA
50 0/12 NA
888-371-2989
www.tmsfunding.com
Primary Full V V V O P 1 700 95/417
United Fidelity Funding
AL AR CO CT FL IA IL IN KS KY LA MN MO NE NV OH OK
SC TN TX
866-760-0600
www.uffwholesale.com
CF30/CF15 Full V V V Y O PR 1 620 80/417 45 0/12 95 NA B
CF30/CF15 Full V V V Y O PR 2 620 80/533 45 0/12 80 NA B
CF30/CF15 Full V V V Y O PR 3-4 620 75/802 45 0/12 75 NA B
CF30/CF15 Full V V V Y O PR 1 720 95/417 41 0/12 NA B
CF30/CF15 Full V V V Y V PR 1 620 80/417 45 0/12 90 NA B
CF30/CF15 Full V V V Y V C 1 620 75/417 45 0/12 75 NA B
CF30/CF15 Full V V V Y N P 1 680 80/417 45 0/12 85 NA B
CF30/CF15 Full V V V Y N P 2-4 680 75/417 45 0/12 75 NA B
CF30/CF15 Full V V V Y N R 1-4 680 75/417 45 0/12 75 NA B
CF30/CF15 Full V V V Y N C 1 680 75/417 45 0/12 75 NA B
CF30/CF15 Full V V V Y N C 2-4 680 70/417 45 0/12 70 NA B
E. A.G.L.E. automated underwriting system, appraisals, fees, forms, licensing, compliance, news and more available at www.uffwholesale.com
N
N
N
N
N
N
N
N
N
N
N
N
N
N
N Primary only/condos ineligible
N Ineligible in FL
N Ineligible in FL
N FL condos ineligible
N FL condos ineligible
N FL condos ineligible
N FL condos ineligible
N FL condos ineligible
Venta Wholesale
Conforming Full V V V Y O PRC 1 680
Conforming Full V V V Y O PR 2-4 700
Conforming Full V V V Y VN PR 1 720
Conforming Full V V V Y N P 2-4 720
Conforming Full V V V Y N R 1-4 720
Conforming Full V V V Y O C 2-4 680
Conforming Full V V V Y VN C 1 720
Conforming Full V V V Y N C 2-4 720
Purchase transactions only in TX
80/417
75/417
80/417
75/417
75/417
75/417
75/417
70/417
AZ CA CO NV OR TX UT WA
45
45
45
45
45
45
45
45
80 NA B
75 NA B
80 NA B
75 NA B
75 NA B
75 NA B
75 NA B
70 NA B
N
N
N
N
N
N
N
N
702-481-6220
www.goventa.com
N FNMA limit applies
N FNMA limit applies
N FNMA limit applies
N FNMA limit applies
N FNMA limit applies
N FNMA limit applies
N FNMA limit applies
N FNMA limit applies
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.
