Scotsman Guide - October 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
Type I E A 45
I=Income
E=Employment
A=Assets 45=4506

V=Verified S=Stated

DOCUMENTATION
PROGRAM
NAME
O
V

N
P
R
C
OCC PURP
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

Trust One Mortgage

FHA Full V V V Y O P 1-4 620 96.5/729

FHA Full V V V Y O R 1-4 620 96.5/729

Trust One Mortgage is your direct FHA lender!

United Wholesale Mortgage

FHAPurchase Full V V V Y O P 1-4 640 97/417 0

FHARefi Full V V V Y O RC 1-4 640 97/417 0

FHAJumbo Full V V V Y O PR 1-4 660 97/729 0

FHAJumboC/O Full V V V Y O C 1-4 660 85/729 0

FHA$100Down Full V V V Y O P 1-4 640 99/417 0

FHA3/1ARM Full V V V Y O PRC 1-4 640 97/417 0

FHA5/1ARM Full V V V Y O PRC 1-4 640 97/417 0

Streamline No Doc N N N O R 1-4 640 97/417 0

Top 10 FHA wholesale lender in the country. Closing FHA loans in 5-7 days across the country!

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.

/

71

4 85

63

9

6 97

60 8 7

40

40 97 4 7

40 97/4 7

lY

l VVY
ll VVVY
ll VVVY
N
/
/4

/1

8 9 20 1

42

62 2

Y
Y
lY
E
FICO %/$K %/$K %/$K FICO UNI TS LTV / LOAN AMOUNT COMBINATIONS

All parameters on each line are used in combination with one another —
each line represents a specific loan scenario or credit grade.
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

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

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

Great rates! 888-508-7878

NATIONWIDE except: AK HI NJ NY PA SD WV

43 100 0/12 2 1 3 1.75

100 0/12 2 1 3 1.50
/1

/1

0/ 1

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 F A A B

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

203(k) Streamline

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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.