<< continued
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
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
Flagstar Bank
NATIONWIDE
FHAFixed Full V V V Y O P 1 640 96.5/729
866-945-9872
wholesale.flagstar.com
County limits apply
County limits apply
County limits apply
County limits apply
County limits apply
County limits apply
County limits apply
County limits apply
County limits apply
County limits apply
COMMENTS
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FPF Wholesale
NATIONWIDEexcept: AK KY LA MI MN MO MS ND NY OH www.fpfwholesale.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 97.75/1403 50 97.7 0/12 3 5 1.00 0 B County limits apply
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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
4090-00 FHA Full V V V Y O C 1-2 660 85/934 50 85 0/12 3 5 1.00 0 B No C/O in Texas; County limits
4500-00 VA Full V V V Y O P 1 620 100/650 41 100 0/12 3 1 5 B 1 unit > $417K; 720 score
4500-00 VA Full V V V Y O C 1 620 90/417 41 90 0/12 3 1 5 B Max $417K incl. VAFF
4015-03USDA Full V V V Y O P 1 640 100/417 41 100 0/12 3 3 3 3. 5 0 F 3.5%GuaranteeFee
AUS Approve required; 640 minimum credit score Streamlines/IRRRLs; no manuf. homes; VA IRRRL max 100% LTV/CLTV with HVCC-compliant appraisal; USDA in eligible rural areas
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GotMortgage.com
CA HI
FHA Full V V V Y O P 1-4 640 96.5/729 45 2 1 3
714-241-4540 x1200
www.gotmortgage.com
B County limits apply
3 months reserves required
B County limits apply
B County limits apply
B County limits apply
B County limits apply
iApprove Lending Wholesale
CA
FHA Full V V V Y O
FHA Full V V V Y O
FHA Full V V V Y O
FHA Full V V V Y O
FHA Full V V V Y O
FHA Full V V V Y O
FHA203(k) Full V V V Y O
FHAHB Full V V V Y O
Pricing and service are our strengths.
P1
P1
P 2-4
R1
R 2-4
C1
P1
PR 1-4
620 96.5/417
640 96.5/417
640 96.5/801
640 97.75/417
640 97.75/801
640 85/417
640 96.5/417
640 96.5/1403
43 96.5 0/12 2 1 3
55 96.5 0/12 2 1 3
55 96.5 0/12 2 1 3
55 97.7 0/12 2 1 3
55 97.7 0/12 2 1 3
55 85 0/12 2 1 3
55 100 0/12 2 1 3
55 96.5 0/12 2 1 3
714-775-5353
www.iapprovelending.com
B County limits apply
B County limits apply
B County limits apply
B County limits apply
B County limits apply
B County limits apply
B County limits apply
B County limits apply
ICON Residential Lenders
FHA
display
FHA
FHA
Streamline
*Streamline
FHA
Full V V V Y O P 1-4
620 96.5/417
620 97.75/417
620 85/417
640 97.75/417
640 100/417
620 96.5/729
NATION WIDE except: AK
100 1/12 2 1 3 1.00 0
97.7 1/12 2 1 3 1.00 0
85 0/12 2 1 3 1.00 0
100 0/12 1.00 0
100 0/12 1.00 0
96.5 1/12 3 1 3 1.00 0
888-247-6427
www.iconwholesale.com
B DU Eligible
B DU Eligible
B DU Eligible
B Manual U W
F
F DU Eligible
advertiser continued
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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.
