LEGEND: P=Purchase; R=Rate-and-Term Refi; C=Cash-Out Refi; O=Owner Occupied; V=Vacation Home; N=Non-Owner Occupied;
NINA=No Income, No Asset; SISA=Stated Income, Stated Asset; SIVA=Stated Income, Verified Asset
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
E
O
V
N
P
R
C
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
50 96.5 2 1 3 F
50 97.7 2 1 3 F
50 85 2 1 3 F
0 125 2 1 3 F
41 96.5 2 1 3 A
50 96.5 7 7 7 A
50 100 2 1 2 F
50 90 2 1 2 F
FICO %/$K %/$K %/$K FICO
Ratio
%
30s
in the
Last
Mo
to
%
Ch 7
BK
Disch
Upfront
MI
Max
%
Yearly
MI If
LTV>
____
Ch 13
BK
File
Fore
Satis
Min Yrs Since
Fixed,
ARM,
Both UNI TS LTV / LOAN AMOUNT COMBINATIONS
CLTV
F/A/B
MTG
LATES
BANKRUPTCY/
FORECLOSURE
MTG
INSURANCE
7
22
22
F
F
F
F
A
A
F
F
FHA Full V V V Y O P 1-4
640 96.5/801
640 97.75/801
640 85/801
640 97.75/801
660 96.5/417
680 96.5/729
640 100/417
640 90/417
5
/1
5
95
96 5
100 1
/4 7
0/12
0/12
0/12
0/12
0/12
0/12
0/12
0/12
0
0
0
0
0
02
02
02
2.25
2.25
2.25
2.25
2.25
2.25
866-418-2997
www.360mortgage.com
No manufactured
No manufactured
No manufactured
W/w/o appraisal, mtg. cr. only
3-1 or 5-1 - no manual U W
DU only - no manual U W
COMMENTS
Max CLTV on Refis 90%
Acopia Capital Group
AL AR AZ CO FL GA IN KS KY LA MO MS NC NM OK SC
TN TX
FHAFixed Full V V V Y O PR 1-2 640 96.5/417 55 100 0/12 2 1 3 1.00
0/12
0/12
0/12
0
0
0
888-859-5537
www.myacopia.com
B Realtor dates guaranteed
F Relationships matter.
B Great pricing, fast closings
B Same day closings available
B
F
American Financial Resources Inc.
866-656-9728
www.afrwholesale.com
NATIONWIDE
FHAPortfolio Full V V V Y O P 1 600 96.5/417 43 96.5 2.25 B
FHAPortfolio Full V V V Y O R 1 600 97.75/417 43 97.7 2.25 B
FHA Portfolio Full V V V Y O C 1 600 85/417 43 85 2.25 B No cash-out refinance in TX
FHAPortfolio Full V V V Y O P 2 600 96.5/533 43 96.5 2.25 B
FHAPortfolio Full V V V Y O R 2 600 97.75/533 43 97.7 2.25 B
FHA Portfolio Full V V V Y O C 2 600 85/533 43 85 2.25 B No cash-out refinance in TX
FHA Standard Full V V V Y O P 1 620 96.5/729 43 96.5 2.25 B FHA county limit applies
FHA Standard Full V V V Y O R 1 620 97.75/729 43 97.7 2.25 B FHA county limit applies
FHA Standard Full V V V Y O C 1 620 85/729.7 43 85 2.25 B FHA county limit applies
FHA Standard Full V V V Y O P 2-4 620 96.5/1403 43 96.5 2.25 B FHA units/county limits apply
FHA Standard Full V V V Y O R 2-4 620 97.7/1403 43 97.7 2.25 B FHA units/county limits apply
FHA Standard Full V V V Y O C 2-4 620 85/1403 43 85 2.25 B FHA units/county limits apply
FHA Premium Full V V V Y O P 1-4 660 96.5/1403 50 96.5 2.25 B FHA units/county limits apply
FHA Premium Full V V V Y O R 1-4 660 97.7/1403 50 97.7 2.25 B FHA units/county limits apply
FHA Premium Full V V V Y O C 1-4 660 85/1403 50 85 2.25 B FHA units/county limits apply
AFR Wholesale is a nationwide residential lender specializing in manually underwritten FHA loans. HUD/FHA approval is not required. Manufactured homes min. FICO is 620. No cash-out refinances in TX
V
l VV
l VV
l VV
l VV
l VV
l VV
l VV
l VV
l VV
l VV
l VV
l VV
l VV
display
CalHFA
CA
30yr.FHA Full V V V Y O P 1 620 96.5/417
California first-time homebuyers program. Credit, income limits, total debt-to-income ratio, and loan and property requirements apply.
916-326-8606
www.calhfa.ca.gov
F DU eligible
display
Essex Mortgage
FHAStandard Full V V V Y O P 1-4 640 96.5/729
display
FHAJumbo Full V V V Y O P 1-4 640 96.5/1804
For current rate sheet visit: www.essexwholesale.com. User ID: essex; Password: essex123
V
l VV
FHA203(k) Full V V V Y O P 1-4 640 96.5/729
l VV
5
FHARefi Full V V V Y O R 1-4 640 97.75/729
l VV
. 7
FHACash-out Full V V V Y O C 1-4 640 85/729
/9
AZ CA CO HI ID NV OR UT WA
45 2 1 3 1.75
45 2 1 3 1.75
949-378-7446
www.essexwholesale.com
B County limits apply
B May require 2 appraisals
$35K max. improvement
County limits apply
display
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.
