Scotsman Guide - April 2011 Residential Edition

« matrix: fha / va / government »

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
FICO %/$K %/$K %/$K FICO UNI TS LTV / LOAN AMOUNT COMBINATIONS

E=Employment
A=Assets 45=4506

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

The Funding Pool

866-210-0850 www.fundingpool.net County/unit limits apply County/unit limits apply County/unit limits apply County/unit limits apply No manual U/ W County/units limits apply No IRRLS - max CLTV 90%

COMMENTS

CO ID UT
FHAPurchase Full V V V Y O P 1-4 680 96.5/801 55 96.5 0/12 2 1 3 0 F
FHAR&T Full V V V Y O R 1-4 680 97.75/801 55 97.7 0/12 2 1 3 0 F
FHAC/O Full V V V Y O C 1-4 680 80/801 50 85 0/12 2 1 3 0 F
FHAArm Full V V V Y O PR 1 680 96.5/417 50 96.5 0/12 2 1 3 0 A
FHAHighBal Full V V V Y O PR 1 680 96.5/729 50 96.5 0/12 7 7 7 0 B
VAPurchase Full V V V Y O P 1 680 100/417 50 100 0/12 2 1 2 F
VA Full V V V Y O RC 1 680 90/417 50 90 0/12 2 1 2 F
UtahHousing Full V V V Y O P 1 680 96.5/417 55 103 0/12 2 1 2 1.00 F
90-day no payments on purchases. No manufactured homes. FICOs down to 660 on exception. County limits apply. DU approval may exceed DTI. Broker package available at www.fundingpool.net

1.00

TMSFunding Wholesale

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 A 1/1/5 caps-over $417K

CA CT DE FL GA IL MA MD MI NC NH NJ NY PA RI SC TN
TX VA
Purchase Full V V V O P 1-4 640 96.5/801

50

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

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

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

97/729

85/729

99/417

97/417

85/417

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+

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