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
E=Employment
O
V
N
P
R
C
FICO
#
UNI TS
%/$K
AZ CA CO GA IA ID IL IN KS KY MN MO NC NM OK OR
TN TX UT WA WY
%/$K %/$K %/$K %/$K FICO
360 Mortgage Group LLC 866-418-2997 www.360mortgage.com
AGENCYCONF Full V V V Y O PR 1 620 95/417 45 0/12 95 NA F N N DUapprove/eligible
AGENCYCONF Full V V V Y O PR 2 620 80/417 45 0/12 80 NA F N N DUapprove/eligible
AGENCYCONF Full V V V Y O PR 3-4 620 75/417 45 0/12 75 NA F N N DUapprove/eligible
AGENCYCONF Full V V V Y V PR 1 620 80/417 45 0/12 90 NA F N N DUapprove/elgible
AGENCYCONF Full V V V Y N PR 1 620 80/417 45 0/12 85 NA F N N DUapprove/eligible
AGENCYCONF Full V V V Y N PR 2-4 620 75/417 45 0/12 75 NA F N N DUapprove/eligible
AGENCYC/O Full V V V Y O C 1 620 80/417 45 0/12 80 NA F N N DUapprove/eligible
AGENCYC/O Full V V V Y VN C 1 620 75/417 45 0/12 75 NA F N N DUapprove/eligible
AGENCYC/O Full V V V Y O C 2 620 75/417 45 0/12 75 NA F N N DUapprove/eligible
AGENCYC/O Full V V V Y N C 2 620 70/417 45 0/12 70 NA F N N DUapprove/eligible
AGENCYC/O Full V V V Y O C 3-4 620 75/417 45 0/12 75 NA F N N DUapprove/eligible
AGENCYC/O Full V V V Y N C 3-4 620 70/417 45 0/12 70 NA F N N DUapprove/eligible
Conv-High Bal Full V V V Y O PR 1 720 80/729 45 0/12 80 NA F N N DU only - 6 mos. reserves
Conv-High Bal Full V V V Y V PR 1 740 65/729 45 0/12 65 NA F N N DU only - 6 mos. reserves
Conv 3-1 ARM Full V V V Y O PR 1 660 90/417 41 0/12 95 NA A N N DU only - life cap 6%
Conv 5-1 ARM Full V V V Y O PR 1 660 90/417 41 0/12 95 0 A N N DU only - life cap 5%
Conv 7-1 ARM Full V V V Y O PR 1 660 90/417 41 0/12 95 NA A N N DU only - life cap 5%
Conv 10-1 ARM Full V V V Y O PR 1 660 90/417 41 0/12 95 NA A N N DU only - life cap 5%
Conv ARM I/O Full V V V Y O PR 1 720 70/417 41 0/12 70 10 A N N 3-1, 5-1, 7-1, 10-1 ARM
Conv ARM C/O Full V V V Y O RC 1 660 80/417 41 0/12 80 NA A N N 3-1, 5-1, 7-1, 10-1 ARM
Conv ARM require 2 mos. PITI in reserves. Interest-only ARM must have 24 mos. reserves and qualify at PITI. TX(a)( 6) loan not eligible on C/O ARM. California lending limited to certain counties
COMMENTS
Full V
lV
l VV
l VV
l VV
l VVV
ll VVV
ll VVVY
ll VVVY
ll VVVY
ll VVVY
4
7
4
4
71
4
620 7 1
6 71
6 7 /4 7
620 7 1
6 7 /4 7
72 7
7 /7
4
4
47
01
/7
N
N
NN
N
N
NN
NN
NN
NN
NN
NN
NN
NN
Bank of Internet USA
CA
720 80/2000
720 70/1500
720 80/1500
720 70/1500
700 75/750
700 65/1250
700 55/2500
JGJumbo Full V V V Y O PR 1-2 700 80/1000 40
JGJumbo Full V V V Y O PR 3-4 700 70/1000 40
JGJumbo Full V V V Y O C 1-2 700 80/1000 40
JGJumbo Full V V V Y O C 3-4 700 70/1000 40
PortfolioARM Full V V V Y OV PR 1 700 80/500 40
PortfolioARM Full V V V Y OV PR 1 700 70/1000 40
PortfolioARM Full V V V Y OV PR 1 700 60/1500 40
PortfolioARM Full V V V Y OV PR 1 700 50/3500 40
PortfolioARM Full V V V Y OV C 1 700 65/1250 700 60/1500 40
PortfolioARM Full V V V Y OV C 1 700 55/2500 700 50/3500 40
PortfolioARM Full V V V Y N PRC 1 720 50/1000
We offer jumbo and super jumbo lending up to $3.5M. CA only. Get your broker package and current rate sheet at broker.bankofinternet.com.
lV
lV
l VV
l VV
l VVVY
Full V V V
35
1 0 /1
55/2500 50/3500
7 50
b s u dg n t k k encr te r b fiere om
10 B
10 B
10 B
10 B
5A
5A
5A
5A
5A
5A
NA
5A
NN
NN
NN
NN
NN
NN
NN
NN
NN
NN
NN
N
N
N
N
N
NN
NN
NN
877-541-2634, opt. 4
broker.bankofinternet.com
California only
California only
$350K, <65% LTV/CLTV
$150K, <65% LTV/CLTV
Condo max 60% LTV
Condo max 60% LTV
Condo max 60% LTV
Condo max 60% LTV
65% LTV $150K c/o, $60-$200K
55% LTV to $250K c/o $50-$275K
Cashout max $150K
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.
o m h m x d l if e a n o u
Flagstar Bank
NATIONWIDE
Full
Full
Full
Full
Full
Full
Full
Full
Full
Full
Full
Full
Full
Full
Full
Full
l
Full
l
l
Full
l
ll
Full
ll
VVVY O
VVVY O
VVVY O
VVVY O
VVVY O
VVVY O
VVVY V
VVVY V
VVVY N
VVVY N
VVVY N
VVVY N
VVVY O
VVVY O
VVVY O
VVVY O
N
V
V
VV
VVVY
VV
VVV
VVVY
VVVY
VVVY
PR 1 680
V
Agency Fixed
Agency Fixed
Agency Fixed
Agency Fixed
Agency Fixed
e
Agency Fixed
e
cover
Agency Fixed
e
Agency Fixed
Agency Fixed
Agency Fixed
e
Agency Fixed
e
Agency Fixed
Agency Fixed
Agency Fixed
e
Agency Jumbo
c Jm
Agency Jumbo
c Jm
Agency Jumbo
Agency Jumbo
95/417
80/417
80/417
75/417
85/417
75/417
90/417
75/417
80/417
75/417
75/417
75/417
90/625
75/625
75/625
65/625
7
4
7
/7
7
75/417
4
71
75/417
71
2
5
5
620 80/417
620 80/417
620 80/625 620 2
866-945-9872
wholesale.flagstar.com
N N DU Eligible
N N DU Eligible
N N DU Eligible
N N DU Eligible
N N DU Eligible
N N DU Eligible
N N DU Eligible
N N DU Eligible
N N DU Eligible
N N DU Eligible
N N DU Eligible
N N DU Eligible
N N County limits apply
N N County limits apply
N N County limits apply
N N County limits apply
a
D
DU Eligible
D
D
DU Eligible
Di
C n limit a p
o
N
N
N
NN
N
NN
NN
NN
NN
NN
NN
0/12 95 NA
0/12 95 NA
0/12 80 NA
0/12 75 NA
0/12 85 NA
0/12 75 NA
0/12 90 NA
0/12 75 NA
0/12 85 NA
0/12 75 NA
0/12 75 NA
0/12 75 NA
45 0/12 90 NA
45 0/12 75 NA
45 0/12 75 NA
45 0/12 65 NA
7
/
0/12 75
/
/7
0/12 75
/1 7
/1
05
05
0
NA
NA
cover advertiser continued
