PROGRAM
NAME
Type I E A 45
I=Income
V=Verified S=Stated
DOCUMENTATION
O
V
FICO
#
UNI TS
%/$K
%/$K %/$K %/$K FICO
LTV / LOAN AMOUN T
%/$K
SecurityNational Mortgage Co.
NATIONWIDE
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
All parameters on each line are used in combination
with one another — each line represents a specific
loan scenario or credit grade
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
PRODUC T OPTIONS
CLTV DTI
MTG
LATES
800-262-0642
www.securitynational.com
COMMENTS
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
display
Stearns Lending Inc.
NATIONWIDEexcept: AK IN KY LA MI MN MO MS ND NY
OH SD
2000&2300 Full V V V Y O PR 1 620 95/417
V
6
2000&2300 Full V V V Y O PR 2 620 80/534
V
6/
2000&2300 Full V V V Y O PR 3-4 620 75/801
V
6
2000&2300 Full V V V Y V PR 1 720 90/417 620
V
7
2000&2300 Full V V V Y N PR 1 620 80/417
VV
6
2000&2300 Full V V V Y N PR 2-4 620 75/801
VV
l VVV
l VVV
l VVV
l VVV
l VVV
l VVV
l VVV
l VVV
67
2000&2300 Full V V V Y O C 1 620 80/417
6
2000&2300 Full V V V Y O C 2-4 620 75/801
67
display
2000&2300 Full V V V Y V C 2-4 620 75/801
67
2089DURefi+ Full V V V Y O R 1-4 620 105/801
65
2091HighBal Full V V V Y O P 1 720 90/729 660
77
2091HighBal Full V V V Y O PR 1 720 90/625 660
7 /6
2091HighBal Full V V V Y O PR 2-4 740 75/1403
5 1403
2091HighBal Full V V V Y V PR 1 740 65/729
/ 29
2091HighBal Full V V V Y N PR 1 740 60/729
Fl VVV
/7 9
2091HighBal Full V V V Y O C 1 740 60/729
Fl VVV
0/729
2099DURefi+ Full V V V Y O R 1 660 105/625
Fl VVV
0 105 62
Jumbo3000-10 Full V V V Y O PRC 1-2 700 80/1000 720
Ful V V V
70 80 1 20
700 7 /1000 720
Jumbo3000-10 Full V V V Y O PR 3-4 700 70/1000 720
Ful V V V
Cash-out not allowed in Texas; manufactured homes not permitted; LTV > 80% subject to MI-company restrictions
80/417
75/729
75/729
7 29
7 29
80/2000
70/1500
80 2000
70 1500
50 0/12 95
50 0/12 80
50 0/12 75
50 0/12 90
50 0/12 80
50 0/12 75
50 0/12 85
50 0/12 75
50 0/12 75
50 0/12
45 0/12 90
45 0/12 90
45 0/12 90
45 0/12 65
45 0/12 60
45 0/12 60
45 0/12
45 0/12 80
45 0/12 70
10 A
NA B
NA B
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
A
A
NA
NN
NN
NN
NN
NN
NN
NN
NN
NN
NN
NN
NN
NN
NN
NN
NN
NN
NN
NN
N
N
N
N
N
N
NN
NN
NN
NN
NN
NN
NN
NN
NN
NN
800-350-5363
www.stearnswholesale.com
PIW to 80%, 720 score for I/O
PI W to 80%, DU Approve/Elig.
PI W to 80%, DU Approve/Elig.
Portfolio for 5-10 financed
Portfolio for 5-10 financed
Portfolio for 5-10 financed
6 mo seasoning
6 mo seasoning
6 mo seasoning
DU Refi Plus Approve/Elig only
FNMA limits, condos 85%
FNMA limits, condos 85%
FNMA loan limits
FNMA loan limits
FNMA loan limits
FNMA loan limits
Perm loan limits Refi+
Prior approval u/w req'd
Prior approval u/w req'd
display
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