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
E=Employment
360 Mortgage Group LLC a 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
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 1-4 640 100/417 90/417 620 90/417 50 100 0/12 2 1 2 F MaxCLTVonRefis90%
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.
FICO %/$K %/$K %/$K FICO
Ratio
%
30s
in the
Last
Ch 7
BK
Disch
Upfront
MI
Max
%
Yearly
MI If
LTV>
____
Ch 13
BK
File
Fore
Satis
Min Yrs Since
Fixed,
ARM,
Both UNI TS COMMENTS LTV / LOAN AMOUNT COMBINATIONS
CLTV
F/A/B
DTI
MTG
LATES
BANKRUPTCY/
FORECLOSURE
MTG
INSURANCE
lV
l VY
o VY
l VY
l VY
l VY
6
6 80
40 7
60 . 1
80 2
40 /4 7 4 620 90/ 17
1
/1
/1
/7
/1 1
O
V
N
P
R
C
OCC PURP
American Financial Resources Inc. c c
866-656-9728
www.afrwholesale.com
NATIONWIDE
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 residential lender specializing in manually underwritten FHA loans. HUD/FHA approval is not required. Manufactured homes min. FICO is 620. No cashout refinances in TX
V
lV
l VY
l VY
l VY
l VY
l VY
l VY
l VY
l VY
ul V Y
ul V Y
Full V V Y
Fu l V Y
Flagstar Bank
NATIONWIDE
866-945-9872
wholesale.flagstar.com
County limits apply
County limits apply
County limits apply
County limits apply
County limits apply
7
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cover
FHAFixed Full V V V Y O P 1-4 640 96.5
cover
l VY
FHAFixed Full V V V Y O R 1-4 640 97.75
c er o si a e eroergd i cn gyom n to s d itn r i s q i v
lV
0.
FHAFixed Full V V V Y O C 1-4 640 85
l VY
C
0
VAFixed Full V V V Y O P 1-4 620 100 41
Ai
l VY
62 100
VAFixed Full V V V Y O C 1-4 620 90 41
Ai C 1
62
Accelerate your business with Flagstar, a nationwide lender offering industry-leading technology, compliance tools, fast underwriting turn times and quality service.
714-241-4540 x1200
www.gotmortgage.com
B County limits apply
GotMortgage.com
CA HI
FHA Full V V V Y O P 1-4 640 96.5/729 45 2 1 3
3 months reserves required
B County limits apply
B County limits apply
B County limits apply
B County limits apply
B
B
B
B
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.
