Matrixes & Directories
RESIDENTIAL EDITION VOLUME 17 ISSUE 12 DECEMBER 2010
Scotsman Guide is published monthly by Scotsman Guide Media
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TEL: (800) 297-6061 FAX: (425) 485-3550
scotsmanguide.com
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prime niches »
scotsmanguide.com/primeniche
FOUNDER
Geary Britton-Simmons
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prime first mortgages »
scotsmanguide.com/prime1st
CHAIRMAN OF THE BOARD
Kevin Britton-Simmons
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).
MANAGING PRINCIPAL
Brian Britton-Simmons
brianb@scotsmanguide.com
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fha/va/government »
scotsmanguide.com/fhagov
ADVERTISING
Executive Vice President of Sales: Todd Britton-Simmons
toddb@scotsmanguide.com
Senior Account Executive: Kari Jackson
karij@scotsmanguide.com
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.
EDITORIAL articles@scotsmanguide.com
Editor: Ivanna C. Sukkar
Associate Editor: Darrick Meneken
Associate Editor: Jennifer E. Garrett
CIRCULATION circulation@scotsmanguide.com
Circulation/Events Manager: Marilyn Burns
Lead Circulation Assistant: Lori Nemitz
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hard money »
scotsmanguide.com/reshardmoney
MATRIX matrix@scotsmanguide.com
Mortgage Industry Analyst: Daniel Yeh
Matrix and Loan Post Coordinator: 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.
PRODUCTION production@scotsmanguide.com
Art Director/Production Manager: Dennis Wunsch
Production Specialist: Nikki Holman
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Interactive Designer: Chuck Howard
ACCOUNTING accounting@scotsmanguide.com
SOF T WARE DEVELOPMENT development@scotsmanguide.com
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construction »
scotsmanguide.com/resconstr
I.T. it@scotsmanguide.com
FEEDBACK general@scotsmanguide.com
Construction lenders provide loans for new construction or rehabilitation and renovation.
CONTRIBUTING AUTHORS
R.E. Brunet, Jennifer Butts, Tim Davis, Nicholas J. Del Torto,
Greg Dennis, Cash Doye, Greg Holmes, Drew Kessler, William P. Matz,
Douglas Smith, Scott Stern, Griff Straw, Richard Zahm
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warehouse lines »
scotsmanguide.com/warehouse
Warehouse lenders offer lines of credit for use in mortgage banking. Some offer training for
new mortgage bankers.
47
resource directory »
scotsmanguide.com/resourcedir
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Find company addresses, descriptions, account executives and other information.
wholesale lender directory »
scotsmanguide.com/lenderdir
online »
niche lenders: scotsmanguide.com/resniche
scotsman guide loan post: scotsmanguide.com/loanpost
search wizard: scotsmanguide.com/reswizard (requires Internet Explorer)
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