Matrixes & Directories
prime niches »
Scotsman Guide is published monthly by Scotsman Guide Media
P.O. Box 692, Bothell, WA 98041-0692
TEL: (800) 297-6061 FAX: (425) 485-3550
prime first mortgages »
CHAIRMAN OF THE BOARD
Prime products include loans exceeding Fannie Mae/Freddie Mac loan limits, but they
generally use traditional conforming credit guidelines. Minimum FICO scores would be
620 and greater, and few mortgage lates would be allowed (zero or one within 12 months).
Executive Vice President of Sales: Todd Britton-Simmons
Senior Account Executive: Kari Jackson
The FHA/VA/government matrix includes loans sponsored or backed by a government
agency, excluding government-sponsored enterprises now under conservatorship.
Examples include Federal Housing Administration (FHA), U.S. Department of Veterans
Affairs (VA) and U.S. Department of Agriculture (USDA) Rural Housing loans. FICO scores as
low as 580 are allowed, as are bankruptcies/foreclosures, in some cases.
Editor: Tony Stasiek
Senior Associate Editor: Ivanna C. Sukkar
Associate Editor: Darrick Meneken
Circulation/Events Manager: Marilyn Burns
Lead Circulation Assistant: Lori Nemitz
hard money »
Mortgage Industry Analyst: Daniel Yeh
Matrix and Loan Post Consultant: Garrett Geiger
Hard-money lenders generally give more consideration to the value of the property/
collateral than to credit history. LTVs are usually less than 65 percent and credit scores,
if required, are less than 500. They specialize in unique, hard-to-find loans. Hard-money
lending can be referred to as private, equity or portfolio lending.
Art Director/Production Manager: Dennis Wunsch
Production Specialist: Nikki Holman
Senior Designer: Deborah Richardson
Interactive Designer: Chuck Howard
SOFT WARE DEVELOPMENT email@example.com
Construction lenders provide loans for new construction or rehabilitation and renovation.
warehouse lines »
Justine Assal, Janine M. Atamian, B.J. Bounds, Wade Comeaux,
Don DeRespinis, Dakota Gale, Peter Harvey, Chris Jones, Drew Kessler,
Desirée Patno, Richard Smith, Griff Straw, Missy Zakett
Warehouse lenders offer lines of credit for use in mortgage banking. Some offer training for
new mortgage bankers.
events directory »
resource directory »
wholesale lender directory »
Find company addresses, descriptions, account executives and other information.
niche lenders: scotsmanguide.com/resniche
scotsman guide loan post: scotsmanguide.com/loanpost
search wizard: scotsmanguide.com/reswizard (requires Internet Explorer)
POLICIES AND USE
This publication is made available only to the real estate finance industry and not to the general
public. Subscribe to Scotsman Guide online at scotsmanguide.com/subscribe. We provide one
free ongoing subscription to each real estate finance office. For additional copies or to manage
subscription information, call (800) 297-6061 or e-mail firstname.lastname@example.org.
Annual subscription rates are based on mailing all magazines to the same address.
Either residential or commercial – $40 per year
Both residential and commercial – $50 per year
For each additional copy, add $10 per year
VISA, MasterCard and American Express accepted
Space on Scotsman Guide’s cover and in its matrixes, as well as advertisements listed on Page
10, are sold as paid advertising. Scotsman Guide Media makes decisions regarding editorial
placement and content independent of all advertising influence. More about Scotsman Guide
Media’s editorial policy: scotsmanguide.com/write.
The information and opinions expressed in our editorial articles, advertisements and letters
to the editor do not necessarily reflect the opinions of Scotsman Guide Media. Inclusion of an
article or advertisement in Scotsman Guide should not be construed as a recommendation or
endorsement by Scotsman Guide Media or any of our contributors or advertisers.
Scotsman Guide Media takes pride in precise reporting of the data found herein. The
information found in Scotsman Guide is confirmed or updated monthly from independent
sources believed to be reliable. Nonetheless, because of the volume of information reported,
occasional errors may occur. We assume no obligation or liability for the accuracy, timeliness
or completeness of any information. Because of the nature of the mortgage industry, financial
terms and availability of funds are always subject to change without notice. This publication is
not intended for use by the general public.
Scotsman Guide — Residential Edition (USPS 025-513) is published monthly, 12 times a year, by
Scotsman Guide Media, 22522 29th Drive SE, Suite 201, Bothell, WA 98021-4443. Periodicals
Postage Paid at Bothell, Wash., and at additional mailing offices. POSTMASTER: Send change
of address forms to: Scotsman Guide/Circulation Dept., P.O. Box 692, Bothell, WA 98041-0692.
©2010 Scotsman Guide Media. No part of this publication may be reproduced in any form
whatsoever without written authorization of its publisher. Mortgage professionals may print or
photocopy Scotsman Guide Media’s matrixes, directories and articles for their internal business
use only but may not distribute these materials to third parties.