Scotsman Guide - August 2010 Residential Edition

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
V=Verified S=Stated
DOCUMENTATION
O
V
N
P
R
C
FICO %/$K %/$K %/$K FICO UNI TS LTV / LOAN AMOUNT COMBINATIONS

Ratio %

30s in the Last %

Ch 7
BK
Disch
Upfront
MI
Max
%

Yearly
MI If
LTV>
____
Ch 13
BK
File
Fore
Satis

Fixed, ARM, Both

CLTV
F/A/B
MTG
LATES
BANKRUPTCY/
FORECLOSURE
MTG
INSURANCE

TMSFunding Wholesale

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

COMMENTS

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!

P 1-4 620

R 1-4 620

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

888-508-7878 www.trustone.com Great rates! 888-508-7878

Great rates! 888-508-7878

United Fidelity Funding 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

2.25

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 USDA.

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 No Doc 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!

NATIONWIDE except: AK HI NJ NY PA SD WV

43 100 0/12 2 1 3 1.75 0

100 0/12 2 1 3 1.50 0

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

Venta Wholesale

AZ CA CO NV OR UT WA
FHAStandard Full V V V Y O PR 1-4 620 96.5/729 55 0/12 2 1 3 2.25

FHAJumbo Full V V V Y O PRC 1-4 660 96.5/729 50 0/12 2 1 3 2.25

FHA15/30 Full V V V Y O PRC 1-4 680 90/729 45 0/12 4 4 4

Homepath Full V V V Y O P 1 680 95/417 720 97/417 45 0/12 4 4 4

FHAS/L NoDoc N N N Y O RC 1-4 640 96.5/729 0/12 2 1 3 2.25

203(k)S/L Full V V V Y O P 1-4 620 96.5/729 50 0/12 2 1 3 2.25

We now accept FHA flips with a 660 score! For fastest response, call Steve at 702-473-1106 or e-mail scenarios to slambiris@goventa.com.

702-473-1106
www.goventa.com
B
F www.goventa.com
B
F
F
F

203(k) Streamline

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