Scotsman Guide - July 2011 Residential Edition

« matrix: prime niches »

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1 Acreage: Max acres on res. property (U=Unlimited)

2 Condo: Non-Fannie Mae/Freddie Mac warrantable

3 Condo: With only 2-3 units

4 Condotels at resort destinations

5 Co-ops

6 Dome homes

7 Land: Purchase of subdivided lot

8 Land: Purchase of undeveloped raw land

9 Log homes

10 Manufactured home (post-1976)

11 Second dwelling on single tax lot

12 Zoning: Non-owner < 5 units: Zoned other than residential PROPERTY-RELATED ITEMS

13 Aliens/foreign nationals: No green card, second home

14 Aliens/foreign nationals: No green card,
No-income verifier loans available
16 Corps., trusts, partnerships and LLCs
17 Minimum loan amount

18 Non-owner: More than 10 financed prop-
erties allowed regardless of loan amount
19 Ratio: Combined ratios are allowed
with non-occupant co-borrower
20 Remodel: Conventional at after-
remodel value
MISCELLANEOUS

13 14 15 16 17 18 19 20

PROGRAMS AND OPTIONS

This matrix should be used to find general program information/ product types, unusual property or loan characteristics. Please consult the Prime 1st Mortgages matrix for detailed program criteria.

1 2 3 4 5 6 7 8 9 10 11 12 COMPANYNAME

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360 Mortgage Group LLC

Y

866-418-2997 www.360mtg.com

21 Bridge loans 22 Freddie Mac: Loan Prospector (LP) 23 Freddie Mac: Affordable Gold 24 Fannie Mae: Desktop Originator (DO) 25 Fannie Mae: MyCommunityMortgage 26 Fannie Mae: Desktop Underwriter (DU) 27 Govt.: FHA Direct Endorsement 28 Govt.: VA 29 Lock: Longest lock available (number of days) 30 Lock without property address 31 Pledged asset option 32 Reverse mortgages 33 Tenants-in-common ( TIC) 34 Rural property/part-time farm

21 22 23 24 25 26 27 28 29 30 31 32 33 34

50K
YYY60

AZ CA CO GA ID IL IN KS KY LA MI MN MO NC NM OH OK OR TN TX UT WA WY

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Affordable Home Loans
801-565-9300
www.affordableteam.com
U
Y
Y
Y
Y

20K
YY
Y
YYYY

365

Y
CO ID NV UT WY
Each situation is unique and we know it. Send us yours: info@affordableteam.com.

AMX Loans
800-522-5263
www.amxloans.com
Y
YY
Y
Y
YY
YY
NATIONWIDE except: AK FL KS KY LA MO NJ NY OH OK WV
We specialize in purchase transactions, with on-time closing guarantees! Ask us about our
manufactured-housing loan programs. We have been funding manufactured-home loans for over 20 years.

Bank of Internet USA
877-482-9540
broker.bofi.com
Y
Y
Y
NATIONWIDE Asset-depletion underwriting for income qualification. Pledged asset programs. Condos need not be HUD approved, co-op lending, unique property types.

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Euro International Mortgage
561-395-7778 x102
www.eimortgage.com
YYY
YY
YYYYY 50K YYYYYYYYYYY365YYYYY
NATIONWIDEexcept: AK IA KY ME MI MT ND NE NV NY SD UT VT WV WY Direct National Mortgage Banker specializingin conforming andnon-conforming
loans from $50K to $25M. 24- to 48-hour underwriting turnaround time. Closing in 21 days or fewer. Foreign national loans available. Visit www.eimortgage.com.

40K
Y
Y
YYY60

Y
NATIONWIDE except: AK HI KY LA MI MN MO MS ND NY OH
Cash-out in Texas not permitted; manufactured homes not permitted; loans > 80% LTV subject to

GotMortgage.com
714-241-4540 x1200
www.gotmortgage.com
Y
Y
Y
Y
Y
Y
CA HI
Browse our site and see why our quality of business and high service standards set us apart in the mortgage community. www.gotmortgage.com

iApprove Lending Wholesale
714-775-5353
www.iapprovelending.com
YY
Y
CA
California wholesale lender. One-day reverse-mortgage underwriting. Visit www.iapprovelending.com for your broker application and submission forms.

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ICON Residential Lenders
888-247-6427
www.iconwholesale.com
Y
Y
YY

60

NATIONWIDE except: AK

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25K
YY

45

AZ CA CO DC FL ID IL IN KS MA MD MI MN MO ND NE NV OH OK OR SD UT VA WA WI Oneofthe nation'sleadingfederal creditunions offeringcompetitive agency and portfolio programs with attractive MI benefits. Now a HomePath lender for FNMA-owned properties.