Matrixes & Directories RESIDENTIAL;EDITION VOLUME 17 ISSUE 10 OctObEr 2010
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 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).
prime niches »
prime first mortgages »
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.
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.
hard money »
Construction lenders provide loans for new construction or rehabilitation and renovation.
Warehouse lenders offer lines of credit for use in mortgage banking. Some offer training for
new mortgage bankers.
warehouse lines »
Find company addresses, descriptions, account executives and other information.
events directory »
resource directory »
wholesale lender directory »
search;wizard:;scotsmanguide.com/reswizard;(requires Internet Explorer)
Executive;Vice;President;of;Sales: todd britton-Simmons
Senior;Account;Executive: Kari Jackson
Editor: Ivanna c. Sukkar
Associate;Editor: Darrick Meneken
Associate;Editor: Jennifer E. Garrett
Circulation/Events;Manager: Marilyn burns
Lead;Circulation;Assistant: Lori Nemitz
Mortgage;Industry;Analyst: Daniel Yeh
Matrix;and;Loan;Post;Consultant: Garrett Geiger
Art;Director/Production;Manager: Dennis Wunsch
Production;Specialist: Nikki Holman
Senior;Designer: Deborah richardson
Interactive;Designer: chuck Howard
SOF T WARE;DEVELOPMENT email@example.com
brian coester, David colwell, cindi Dixon, timothy M. Dwyer,
beverly ray Frase, rick Grant, Ken Lambert, richard Smith, Griff Straw,
Andrew Weiss-Malik, Linda Williams, Shane Willis, richard Wilson
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.