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
DOCUMENTATION
M TG
BANKRUPTCY/
M TG
I=Income
LATES
FORECLOSURE
INSURANCE
E=Employment
OCC PURP
F/A/B
DTI
Min Yrs Since
Upfront
Yearly
A=Assets 45=4506
Fixed,
ARM,
Both Type I E A 45
O
P
CLTV
Ch 7
Ch 13
MI
MI If
V=Verified S=Stated
PROGRAM
V
R
#
LTV / LOAN AMOUNT COMBINATIONS
Ratio
30s
in the
Last
NAME
N
C
FICO %/$K %/$K %/$K FICO
%
Mo
to
BK
BK
Fore
Max
LTV >
%
Disch
File
Satis
%
____
UNITS COMMENTS
l a .
360 Mortgage Group LLC AZ CA CO GA IA ID IL IN KS KY MN MO NC NM OK OR TN TX UT WA WY 866-418-2997 www.360mortgage.com
FHA Full V V V Y O P 1-4 620 96.5/801 50 96.5 0/12 2 1 3 2.25 F Nomanufactured
FHARATE-TERM Full V V V Y O R 1-4 620 97.75/801 50 100 0/12 2 1 3 2.25 F Nomanufactured
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FHAC/O Full V V V Y O R 1-4 620 85/801 50 85 0/12 2 1 3 2.25 F Nomanufactured
FHAS TREAMLINE No Ratio N V V Y ON R 1-4 640 97.75/801 0 125 0/12 2 1 3 2.25 F w/w/o appraisal, mtg. cr. only
FHA ARM Full V V V Y O PR 1 660 96.5/417 41 96.5 0/12 2 1 3 2.25 A 3-1 or 5-1 - no manual UW
FHA HIGH BAL Full V V V Y O PR 1 680 96.5/729 50 96.5 0/12 7 7 7 2.25 A DU only - no manual UW
VA Full V V V Y O PRC 1-4 620 100/417 90/417 620 90/417 50 100 0/12 2 1 2 F MaxCLTVonRefis90%
VA IRRL NINA N V N Y O R 1-4 620 100/417 0 100 0/12 2 1 2 F 2055 required mtg. credit only
California lending limited to following counties: Sacramento, Solano, Sonoma, San Francisco, San Mateo, Santa Clara, Marin, Contra Costa, Alameda. FHA county limits apply to maximum mortgage amounts.
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American Financial Resources Inc. NATIONWIDE 866-656-9728 www.afrwholesale.com
FHAPortfolio Full V V V Y O P 1 580 96.5/417 43 100 2.25 B
FHAPortfolio Full V V V Y O R 1 580 97.75/417 43 100 2.25 B
FHA Portfolio Full V V V Y O C 1 580 85/417 43 100 2.25 B No cashout refinance in TX
FHAPortfolio Full V V V Y O P 2 580 96.5/533 43 100 2.25 B
FHAPortfolio Full V V V Y O R 2 580 97.75/533 43 100 2.25 B
FHA Portfolio Full V V V Y O C 2 580 85/533 43 100 2.25 B No cashout refinance in TX
FHA Standard Full V V V Y O P 1 620 96.5/729 43 100 2.25 B FHA county limit applies
FHA Standard Full V V V Y O R 1 620 97.75/729 43 100 2.25 B FHA county limit applies
FHA Standard Full V V V Y O C 1 620 85/729.7 43 100 2.25 B FHA county limit applies
FHA Standard Full V V V Y O P 2-4 620 96.5/1403 43 100 2.25 B FHA units/county limits apply
FHA Standard Full V V V Y O R 2-4 620 97.7/1403 43 100 2.25 B FHA units/county limits apply
FHA Standard Full V V V Y O C 2-4 620 85/1403 43 100 2.25 B FHA units/county limits apply
FHA Premium Full V V V Y O P 1-4 660 96.5/1403 50 100 2.25 B FHA units/county limits apply
FHA Premium Full V V V Y O R 1-4 660 97.7/1403 50 100 2.25 B FHA units/county limits apply
FHA Premium Full V V V Y O C 1-4 660 85/1403 50 100 2.25 B FHA units/county limits apply
AFR Wholesale is a nationwide wholesale/correspondent residential mortgage lender specializing in manually underwritten FHA loans. Manufactured homes min. FICO is 620. No cashout refinances in TX
Flagstar Bank
NATIONWIDE
FHAFixed Full V V V Y O P 1-4 640 96.5
866-945-9872
wholesale.flagstar.com
County limits apply
County limits apply
County limits apply
County limits apply
County limits apply
ICON Residential Lenders
FHA
FHA
FHA
Streamline
Streamline
FHA
FHA
FHA
Streamline
Streamline
Full V V V Y O P 1-4
620 96.5/417
620 97.75/417
620 85/417
640 97.75/417
640
620 96.5/729
620 97.75/729
660 85/729
640 97.75/729
640
NATIONWIDE except: AK
100 1/12 2 1 3 2.25 0
100 1/12 2 1 3 2.25 0
85 0/12 2 1 3 2.25 0
100 0/12 2.25 0
100 0/12 2.25 0
96.5 1/12 3 1 3 2.25 0
97.8 1/12 3 1 3 2.25 0
85 0/12 3 1 3 2.25 0
97.8 0/12 2.25 0
100 0/12 2.25 0
888-247-6427
www.iconwholesale.com
B DU Eligible
B DU Eligible
B DU Eligible
B Manual UW
F Manual UW
B DU Eligible - Subject to county
B DU Eligible - Subject to county
B DU Eligible - Subject to county
B Manual UW - Subject to county
F Manual UW - 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.
