Scotsman Guide - June 2011 Residential Edition

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This matrix should be used to find detailed program criteria for 1st mortgages only.

Please consult the Prime Niches matrix for general program/product information or unusual property/loan characteristics.

Note: 2011 Fannie Mae/Freddie Mac loan limits: 1 unit = $417,000; 2 = $533,850; 3 = $645,300; 4 = $801,950

(AK, Guam, HI & U.S. Virgin Islands = 50% higher)

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
#
UNI TS

E=Employment
A=Assets 45=4506

OCC PURP

%/$K
%/$K %/$K %/$K FICO
LTV / LOAN AMOUN T

%/$K Ratio %

United Wholesale Mortgage

AgencyConf Full V V V Y O PR 1 680 95/417

AgencyConf Full V V V Y O PR 2 680 75/417

AgencyConf Full V V V Y N PR 1 680 75/417

AgencyConf Full V V V Y V PR 1 720 90/417

AgencyC/O Full V V V Y O C 1 680 80/417

AgencyC/O Full V V V Y VN C 1 680 75/417

AgencyC/O Full V V V Y O C 2 680 75/417

Conv-HighBal Full V V V Y O PR 1 680 75/729

Conv-HighBal Full V V V Y VN PR 1 740 65/729

Conv-HighBal Full V V V Y O PR 2 740 75/729

Conv-HighBal Full V V V Y O C 1 740 60/729

ConvArm Full V V V Y O PR 1 680 80/417

ConvArm Full V V V Y V PR 1 740 90/417

ConvArm Full V V V Y N PR 1 680 75/417

ConvArm Full V V V Y O PR 2 680 80/417

ConvArm Full V V V Y N PR 2 680 70/417

ConvArmC/O Full V V V Y O C 1 700 80/417

ConvArmC/O Full V V V Y VN C 1 680 75/417

ConvArmC/O Full V V V Y O C 2 680 75/417

ConvArmC/O Full V V V Y N C 2 680 60/417

Conv-HBArm Full V V V Y O PR 1 680 75/729

Conv-HBArm Full V V V Y V PR 1 740 65/729

Conv-HBArm Full V V V Y O PR 2 740 75/729

Conv-HBArm Full V V V Y O C 1 740 60/729

DURefiPlus Full V V V Y OVN PR 1 680 95/417

DURefiPlus Full V V V Y O PR 2 680 95/417

UWM is now offering the same speed and service you are used to with our conventional product line!

NATIONWIDE except: AK HI NJ NY

41 0/12 NA

45 0/12 NA

720 95/417 45 0/12 NA

45 0/12 NA

45 0/12 95 NA

720 85/417

740 90/729

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

800-981-8898
www.uwmco.com
N Restrictions apply with 680

N Underwriting conv in 72 hours!

N Clearing conv cond. in 48 hrs N C TC today = closing tomorrow N Work directly with underwriter N Easy paperless AUS software N UWM=speed, service & knowledge N Use our revolutionary eConsent N Underwriting conv in 72 hours N Clearing conv cond. in 48 hrs N CTC today = closing tomorrow N Work directly with underwriter N Easy paperless AUS software N UWM=speed, service & knowledge N Use our revolutionary eConsent N Closing conv loans in 10 days!

N Underwriting conv in 72 hours N Clearing conv cond. in 48 hrs N Easy paperless AUS software N UWM=speed, service & knowledge N Use our revolutionary eConsent N Closing conv loans in 10 days!

N Underwriting conv in 72 hours N Clearing conv in 72 hours N Clearing conv cond. in 48 hrs N C TC today = closing tomorrow

COMMENTS

Tell lenders you found them in Scotsman Guide

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.