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
NetMore America e
NATIONWIDEexcept: 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
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 AMOUN T
Combinations tied to different scores
COMMENTS
PRODUC T OPTIONS
CLTV DTI LTV / LOAN AMOUNT
M TG
LATES
Neg
30-yr
2
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
l
l
l
l
l
l
l
l
l
l
Y
Y
Y
7
7
9
7
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
Presidents First
NATIONWIDEexcept: AL AZ IA IL KY LA MA MO MS NV SC
UT VA VT WI
877-PRES-1S T (773-7178)
www.presidentsfirst.com
FNMA county limits apply
FNMA county limits apply
FNMA county limits apply
FNMA county limits apply
FNMA county limits apply
FNMA county limits apply
Conforming Full V V V Y O PR 1 620 95/729 45 1/12 95 NA
Conforming Full V V V Y V PR 1 620 70/729 45 1/12 70 NA
Conforming Full V V V Y N P 1 620 85/729 45 1/12 85 NA
Conforming Full V V V Y N R 1 620 75/729 45 1/12 75 NA
Conforming Full V V V Y O C 1 620 80/729 45 1/12 80 NA
Conforming Full V V V Y O P 2 620 80/934 45 1/12 80 NA
Dedicated to providing brokers with intelligent, innovative mortgage products at aggressive rates and unparalleled service levels. Visit us at www.presidentsfirst.com.
N
N
N
N
N
N
N
N
N
N
N
N
Stearns Lending Inc. r
2000&2300 Full V V V Y O PR 1 620 95/417
2000&2300 Full V V V Y O PR 2 620 80/534
2000&2300 Full V V V Y O PR 3-4 620 75/801
2000&2300 Full V V V Y V PR 1 720 90/417 620
2000&2300 Full V V V Y N PR 1 620 80/417
2000&2300 Full V V V Y N PR 2-4 620 75/801
2000&2300 Full V V V Y O C 1 620 80/417
2000&2300 Full V V V Y O C 2-4 620 75/801
2000&2300 Full V V V Y V C 2-4 620 75/801
2089DURefi+ Full V V V Y O R 1-4 620 105/801
2091HighBal Full V V V Y O P 1 720 90/729 660
2091HighBal Full V V V Y O PR 1 720 90/625 660
2091HighBal Full V V V Y O PR 2-4 740 75/1403
2091HighBal Full V V V Y V PR 1 740 65/729
2091HighBal Full V V V Y N PR 1 740 60/729
2091HighBal Full V V V Y O C 1 740 60/729
2099DURefi+ Full V V V Y O R 1 660 105/625
Jumbo3000-10 Full V V V Y O PRC 1-2 700 80/1000 720
Jumbo3000-10 Full V V V Y O PR 3-4 700 70/1000 720
Cash out not allowed in Texas; Manufactured homes not permitted; LTV > 80% subject to MI company restrictions
l
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
2 /1
2
2 /1
2 /1
20 /
20 0
20 2 0
740 7
7
/
NATIONWIDEexcept: AK AL AR IN KY LA MI MN MO MS
ND NE NY OH SD TN VT WV
95 10
80 NA
75 NA
90 NA
80 NA
75 NA
85 NA
75 NA
75 NA
NA
90 NA
90 NA
90 NA
65 NA
60 NA
60 NA
NA
NA
NA
N
N
N
N
N
N
N
N
N
N
N
N
N
N
N
N
N
N
N
N
N
N
N
N
800-350-5363
www.stearnswholesale.com
PIW to 80%, 720 score for I/O
PIW to 80%, DU Approve/Elig.
PIW to 80%, DU Approve/Elig.
Portfolio for 5-10 financed
Portfolio for 5-10 financed
Portfolio for 5-10 financed
6 mo seasoning
6 mo seasoning
6 mo seasoning
DU Refi Plus Approve/Elig only
FNMA limits, condos 85%
FNMA limits, condos 85%
FNMA loan limits
FNMA loan limits
FNMA loan limits
FNMA loan limits
Perm loan limits Refi+
Prior approval u/w req'd
Prior approval u/w req'd
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.
