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This matrix should be used to find detailed program criteria for 1st mortgages only.
Please consult the Prime Niches matrix for general program/product information or unusual property/loan characteristics.
Note: 2010 Fannie Mae/Freddie Mac loan limits: 1 unit = $417,000; 2 = $533,850; 3 = $645,300; 4 = $801,950
(AK, Guam, HI & U.S. Virgin Islands = 50% higher)
All parameters on each line are used in combination
with one another — each line represents a specific
loan scenario or credit grade
PROGRAM
NAME
Type I E A 45
I=Income
V=Verified S=Stated
DOCUMENTATION
O
V
FICO
#
UNI TS
%/$K
NetMore America
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
%/$K %/$K %/$K %/$K FICO
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
2
7
6
N
N
N
N
N
N
N
NN
NN
NN
NN
NN
NN
NN
CF30/CF15 Full V V V Y O PR 1 680 95/417
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
SecurityNational Mortgage Co.
NATIONWIDE
800-262-0642
www.securitynational.com
Conf.Fixed Full V V V Y O PR 1 620
95/417
80/533
75/801
90/417
85/417
75/417
75/533
75/801
85/417
75/533
75/801
75/417
75/417
70/801
95/417
80/533
75/801
90/417
85/417
75/417
75/533
75/801
85/417
75/533
75/801
75/417
75/417
70/801
7
45 0/12 95 NA
45 0/12 80 NA
45 0/12 75 NA
45 0/12 90 NA
45 0/12 80 NA
45 0/12 75 NA
45 0/12 75 NA
45 0/12 75 NA
45 0/12 85 NA
45 0/12 75 NA
45 0/12 75 NA
45 0/12 75 NA
45 0/12 75 NA
45 0/12 70 NA
45 0/12 95 NA
45 0/12 80 NA
45 0/12 75 NA
45 0/12 90 NA
45 0/12 85 NA
45 0/12 75 NA
45 0/12 75 NA
45 0/12 75 NA
45 0/12 85 NA
45 0/12 75 NA
45 0/12 75 NA
45 0/12 75 NA
45 0/12 75 NA
45 0/12 70 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
N
N
N
N
N
N
N
N
N
N
N
N
N
N
N
N
N
N
N
N
N
N
N
N
N
N
N
N
N
N
N
N
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.
