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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
O
V
N
P
R
C
E=Employment
A=Assets 45=4506
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 1 F
50 97.7 2 1 3 1 F
50 85 2 1 3 1 F
0 125 2 1 3 1 F
41 96.5 2 1 3 1 A
41 96.5 2 1 3 1 F
50 100 2 1 3 F
50 90 2 1 3 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
FHA Full V V V Y O P 1-4
FHARATE-TERM Full V V V Y O R 1-4
FHAC/O Full V V V Y O R 1-4
FHASTREAMLINE NoRatio N V V Y ON R 1-4
FHAARM Full V V V Y O PR 1
FHAHIGHBAL Full V V V Y O PR 1
VA Full V V V Y O P 1
VA Full V V V Y O RC 1
FHA county limits apply to maximum mortgage amounts.
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
0/12
0/12
0/12
0/12
0/12
0/12
0/12
0/12
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 UW
DU only - no manual UW
Max CLTV on Refis 90%
Acopia Capital Group
AL AR CO 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 B
USDA30P/Ref Full V V V Y O PR 1-2 620 102 50 2 3 5 F
Conforming Full V V V Y O PR 1-2 640 80/417 45 95 0/12 2 2 4 B
DURefi15/30 Full V V V Y O R 1-2 640 100/417 55 95 0/12 2 2 4 B
VAIRRRLS Full V V V Y O R 1-2 640 100/417 55 95 0/12 2 2 4 B
One of America's fastest-growing full-service wholesale lenders. Close your loan in one week or less with fast, friendly service.
888-859-5537
www.myacopia.com
Realtor dates guaranteed
Relationships matter.
Great pricing, fast closings
Same day closings available
Affordable Home Loans
UT
FHAFixed V V V Y O P 1-4 660 96.5/1403 50 100 0/12 2 1 3
801-565-9300
www.affordableteam.com
Units/county limits apply
Units/county limits apply
Units/county limits apply
Units/county limits apply
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 Manufactured Housing Programs
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 Manufactured Housing Programs
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
Bay Equity
888-246-9505
bayeq.com
display
VA Full V V V Y O
VA Full V V V Y O
FHA Full V V V Y O
FHA Full V V V Y O
VA loans up to $1M with 0 down!
P1
RC 1
P 1-4
R 1-4
640 100/417
640 90/417
640 96.5/1403
640 97.5/1403
AZ CA CO ID MT NM NV OR UT WA
50 100 3 1 5
50 100 3 1 5
50 96.5 3 1 5
50 97.5 3 1 5
B
B
B
B
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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.
