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
%/$K
360 Mortgage Group LLC
AZ CA CO GA IA ID IL IN KS KY MN MO NC NM OK OR
TN TX UT WA WY
%/$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
PRODUC T OPTIONS
CLTV DTI LTV / LOAN AMOUNT
M TG
LATES
Neg
AGENCYCONF Full V V V Y O PR 1 620 95/417 45 0/12 95 NA F
AGENCYCONF Full V V V Y O PR 2 620 80/533 45 0/12 80 NA F
AGENCYCONF Full V V V Y O PR 3-4 620 75/801 45 0/12 75 NA F
AGENCYCONF Full V V V Y V PR 1 620 80/417 45 0/12 90 NA F
AGENCYCONF Full V V V Y N PR 1 620 80/417 45 0/12 85 NA F
AGENCYCONF Full V V V Y N PR 2-4 620 75/801 45 0/12 75 NA F
AGENCYC/O Full V V V Y O C 1 620 80/417 45 0/12 80 NA F
AGENCYC/O Full V V V Y VN C 1 620 75/417 45 0/12 75 NA F
AGENCYC/O Full V V V Y O C 2 620 75/533 45 0/12 75 NA F
AGENCYC/O Full V V V Y N C 2 620 70/533 45 0/12 70 NA F
AGENCYC/O Full V V V Y O C 3-4 620 75/801 45 0/12 75 NA F
AGENCYC/O Full V V V Y N C 3-4 620 70/801 45 0/12 70 NA F
Conv-HighBal Full V V V Y O PR 1 700 80/729 680 75/729 45 0/12 NA F
Conv-HighBal Full V V V Y V PR 1 740 65/729 45 0/12 65 NA F
Conv3-1ARM Full V V V Y O PR 1 660 90/417 41 0/12 95 NA A
Conv5-1ARM Full V V V Y O PR 1 660 90/417 41 0/12 95 0 A
Conv7-1ARM Full V V V Y O PR 1 660 90/417 41 0/12 95 NA A
Conv10-1ARM Full V V V Y O PR 1 660 90/417 41 0/12 95 NA A
ConvARMI/O Full V V V Y O PR 1 720 70/417 41 0/12 70 10 A
ConvARMC/O Full V V V Y O RC 1 660 80/417 41 0/12 80 NA A
Conv ARMs require 2 mos. PI TI in reserves. Interest-only ARMs must have 24 mos. reserves and qualify at PITI. TX(a)( 6) loan not eligible on C/O ARMs.
866-418-2997
www.360mortgage.com
N DU approve/eligible
N DU approve/eligible
N DU approve/eligible
N DU approve/eligible
N DU approve/eligible
N DU approve/eligible
N DU approve/eligible
N DU approve/eligible
N DU approve/eligible
N DU approve/eligible
N DU approve/eligible
N DU approve/eligible
N DU only - 6 mos. reserves
N DU only - 6 mos. reserves
N DU only - life cap 6%
N DU only - life cap 5%
N DU only - life cap 5%
N DU only - life cap 5%
N 3-1, 5-1, 7-1, 10-1 ARM
N 3-1, 5-1, 7-1, 10-1 ARM
COMMENTS
Bank of Internet USA
65/2000
55/2000
55/2000
60/2000
50/2000
50/2000
55/3000
45/3000
45/3000
/
/
/
/
/
/
60/3000 680
50/3000 680
50/3000 680
55/3000 680
45/3000 680
45/3000 680
50/5000
40/5000
40/5000
50
50 00 6
5 3000 6
45 000 6
45 000 6
5
0
0
NATIONWIDE
55/5000
45/5000
45/5000
50/5000
40/5000
40/5000
5
5
50
5000
5000
PortfolioARM Full V V V Y O P 1 680 70/1000 40
PortfolioARM Full V V V Y V P 1 680 60/1000 40
PortfolioARM Full V V V Y OV P 2-4 680 60/1000 40
PortfolioARM Full V V V Y O R 1 680 65/1000 40
PortfolioARM Full V V V Y V R 1 680 55/1000 40
PortfolioARM Full V V V Y OV R 2-4 680 55/1000 40
PortfolioARM Full V V V Y O C 1 680 60/2000 40
PortfolioARM Full V V V Y V C 1 680 50/2000 40
PortfolioARM Full V V V Y OV C 2-4 680 50/2000 40
PortfolioARM Full V V V Y N PRC 1-4 720 50/1000 40
We offer jumbo and super-jumbo lending up to $5M-$10M case by case. Get your broker or correspondent package and current rate sheet at broker.bofi.com.
F
F
F
F
F
F
F
6
5
5
2
5
5
5
5
5
5
5
5
5
5
A
A
A
A
A
A
A
A
A
A
N
N
N
N
N
N
N
N
N
N
877-482-9540
broker.bofi .com
N Condo max 60% LTV
N LTV 5% less in AZ, FL
N LTV 5% less in AZ, FL
N Condo max 60% LTV
N No condos in AZ, FL
N No condos in AZ, FL
N C/O max 15% of loan amt
N C/O max 15% of loan amt
N C/O max 15% of loan amt
N C/O max 15% of loan amt
Essex Mortgage
AZ CA CO HI ID NV OR UT WA
949-378-7446
www.essexwholesale.com
Conforming Full V V V Y O PR 1 620 95/625 95 NA N N
Conforming Full V V V Y O PR 2-4 620 80/1202 80 NA N N
Conforming Full V V V Y O C 1 620 85/625 85 NA N N
Conforming Full V V V Y O C 2-4 620 75/1202 75 NA N N
Conforming Full V V V Y V PR 1 620 90/625 90 NA N N
Conforming Full V V V Y V C 1 620 75/625 75 NA N N
Conforming Full V V V Y N P 1 620 80/625 80 NA N N
Conforming Full V V V Y N P 2-4 620 75/1202 75 NA N N
/2
display
Original amt =< $625K
Original amt => $625K
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.
