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
FICO %/$K %/$K %/$K FICO UNI TS LTV / LOAN AMOUNT COMBINATIONS
OCC PURP
Ratio
%
30s
in the
Last
%
Ch 7
BK
Disch
Upfront
MI
Max
%
Yearly
MI If
LTV>
____
Ch 13
BK
File
Fore
Satis
Min Yrs Since
Fixed,
ARM,
Both
CLTV
F/A/B
MTG
LATES
BANKRUPTCY/
FORECLOSURE
MTG
INSURANCE
Ch 7
SecurityNational Mortgage Co.
NATIONWIDE
43 0/12 2
43 97.7 0/12 2
660 85/533 43 97.7 0/12 2
680 97.75/801 43 97.7 0/12 2
720 100/650 43 0/12 2
43 0/12 2
720 90/417 43 0/12 2
43 0/12 2
800-262-0642
www.securitynational.com
FHA Full V V V Y O P 1-4 640 96.5/801
3 1.00
3 1.00
3 1.00
3 1.00
3
3
3
3
B
B
B C/O>$417K req. 660 FICO
B R/T<$417K/640; R/T>$417K/680
F
F
F
F
display
Stearns Lending Inc. 800-350-5363 www.stearnswholesale.com
4000/4090 FHA Full V V V Y O P 1-4 640 96.5/1403 50 0/12 3 5 1.00 0 B County limits apply
4000/4090 FHA Full V V V Y O R 1-4 640 97.7/1403 50 97.7 0/12 3 5 1.00 0 B County limits apply
display
4000-00 FHA Full V V V Y O C 1-2 640 85/533 50 85 0/12 3 5 1.00 0 B No C/O in Texas; County limits
4090-00 FHA Full V V V Y O C 1-2 660 85/934 50 85 0/12 3 5 1 N B County limits apply
4500-00 VA Full V V V Y O P 1 620 100/650 41 0/12 3 1 5 N B 1 unit only >$417K, 720 score
4500-00 VA Full V V V Y O C 1 620 90/417 41 90 0/12 3 1 5 N B Max $417K incl VAFF
4015-03USDA Full V V V Y O P 1 640 100/417 41 0/12 3 3 3 3. 5 N F 3.5%GuaranteeFee
AUS Approve required; 640 minimum credit score Streamlines/IRRRLs; no manuf homes; VA IRRRLs max 100% LTV/CLTV, must have HVCC-compliant appraisal for value; USDA in eligible rural areas
NATIONWIDE except: AK IN KY LA MI MN MO MS ND NY OH
SD
display
TMSFunding Wholesale
CT GA MA MD NC NH NJ NY PA RI SC TN VA
Purchase Full V V V O P 1-4 640 96.5/801 50
Refi Full V V V O R 1-4 640 97.75/801 50
Refi-Cashout Full V V V O C 1-2 640 85/533 50
High-Balance Full V V V O P 1-2 660 96.5/934 50
Max loan amount varies per county. Loan amounts over $417K high-balance. Contact Robin Buttner: rbuttner@tmsfunding.com. Broker approval: www.tmsfunding.com
888-371-2989
www.tmsfunding.com
F Subject to county limits
F Subject to county limits
F Subject to county limits
F Loan amount over $417K
Trust One Mortgage
FHA Full V V V Y O
FHA Full V V V Y O
Trust One Mortgage is your direct FHA lender!
P 1-4 620
R 1-4 620
96.5/729
96.5/729
United Wholesale Mortgage
FHAPurchase Full V V V Y O P 1-4 640
FHARefi Full V V V Y O RC 1-4 640
FHAJumbo Full V V V Y O PR 1-4 660
FHAJumboC/O Full V V V Y O C 1-4 660
FHA$100Down Full V V V Y O P 1-4 640
FHA3/1ARM Full V V V Y O PRC 1-4 640
FHA5/1ARM Full V V V Y O PRC 1-4 640
Streamline Full V V V Y O R 1-4 640
Manufactured Full V V V Y O PRC 1 700
www.uwmco.com Closing FHA loans in 5-7 days across the country!
97/417
97/417
97/729
85/729
99/417
97/417
97/417
97/417
85/417
Tell lenders you found them in Scotsman Guide
AZ CA CO CT GA HI ID IN MD NM NV OK OR TX UT WA WY
43 0/12 2 1 3 1.75 B
43 0/12 2 1 3 1.75 B
888-508-7878
www.trustone.com
Great rates! 888-508-7878
Great rates! 888-508-7878
NATIONWIDE except: AK HI NJ NY SD
43 100 0/12 2 1 3 2.25 0
43 100 0/12 2 1 3 2.25 0
43 100 0/12 2 1 3 2.25 0
43 100 0/12 2 1 3 2.25 0
43 100 0/12 2 1 3 2.25 0
43 100 0/12 2 1 3 2.25 0
43 100 0/12 2 1 3 2.25 0
55 100 0/12 2 1 3 2.25 0
43 85 0/12 2 1 3 2.25 0
800-981-8898
www.uwmco.com
F Closing loans in 10 Days!
F Underwriting in 48 Hours!
F Conditions cleared in 24 hours
F CTC Today = Closing tomorrow
F HUD REO program (state spec.)
A Quick & Easy Paperless AUS
A Communicate with UW Directly
B Ratios 39/55
A Manufactured Homes 1990+
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.
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