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
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
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COMMENTS
Kinecta Federal Credit Union 800-854-4600 www.loankinection.com
Agency Fixed Full V V V Y O PR 1 720 97/417 NA F N N FL condoLTV per FNMA; DU appr.
AgencyFixed Full V V V Y V PR 1 720 90/417 NA F N N DUapprove/eligible
AgencyFixed Full V V V Y ON PR 3-4 620 75/801 NA F N N DUapprove/eligible
AgencyFixed Full V V V Y O C 1 620 80/417 NA F N N DUapprove/eligible
AgencyFixed Full V V V Y O C 2-4 620 75/801 NA F N N DUapprove/eligible
AgencyFixed Full V V V Y N C 2-4 620 70/801 NA F N N DUapprove/eligible
Agency Full V V V Y N PR 1 620 80/417 NA B N N DUapprove/eligible
Agency Full V V V Y O PR 2 620 80/533 NA B N N DUapprove/eligible
Agency Full V V V Y VN C 1 620 75/417 NA B N N DUapprove/eligible
SuperConform Full V V V Y O PR 1 700 90/729 700 80/729 45 NA F N N DUapprove/eligible
SuperConform Full V V V Y O PR 1 660 75/729 45 75 NA F N N DUapprove/eligible
SuperConform Full V V V Y VN PR 1 740 65/729 45 65 NA B N N DUapprove/eligible
SuperConform Full V V V Y O PR 2-4 740 75/1403 45 75 NA B N N DUapprove/eligible
SuperConform Full V V V Y O C 1 740 60/729 45 60 NA B N N DUapprove/eligible
Agency ARM Full V V V Y O PR 1 660 95/417 620 80/417 45 95 NA A N N DU approve/eligible with MI
AgencyARM Full V V V Y O PR 3-4 620 75/801 45 75 NA A N N DUapprove/eligible
Agency ARM Full V V V Y V PR 1 720 90/417 45 90 NA A N N DU approve/eligible with MI
AgencyARM Full V V V Y V PR 1 620 80/417 45 80 NA A N N DUapprove/eligible
AgencyARM Full V V V Y O C 2-4 620 75/801 45 75 NA A N N DUapprove/eligible
Jumbo ARM Full V V V Y O PR 1 760 80/979 45 90 NA A N N Amt: $250K over FHA lmt; MI ins
Jumbo ARM Full V V V Y O PR 1-2 700 80/1000 720 75/2000 45 80 NA A N N State max loan amts. apply
Jumbo 30-yr. Full V V V Y O PR 1 720 70/2000 40 70 NA F N N State max loan amts. apply
Now a HomePath lender for FNMA-owned properties. Co-ops, manufactured homes and construction ineligible. See I/O, ARM, 5-10 properties, piggyback, portfolio lending and more at www.loankinection.com.
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Live Well Financial 866-444-9354 www.livewellfinancial.com/partners
Condos 90% LTV
Condos 75% LTV
No condos
No condos
NATION WIDE except: AK N Y
Conventional Full V V V Y O PR 1 680 97/417
Conventional Full V V V Y V PR 1 680 90/417
Conventional Full V V V Y N P 1 620 80/417
Conventional Full V V V Y N RC 1 620 75/417
Conventional Full V V V Y O C 1 620 80/417
Conventional Full V V V Y VN C 1 620 75/417
HighBalance Full V V V Y O PR 1 620 75/729
Jumbo Full V V V Y O PR 1 720 70/2000
We substantially improve our partners' experience by offering competitive pricing, best-in-class service and no-hassle underwriting.
97 NA B
90 NA B
80 NA B
75 NA B
80 NA B
75 NA B
75 NA F
70 NA B
N
N
N
N
N
N
N
N
N
N
N
N
N
N No investment condos
N
N
Stearns Lending Inc.
2000&2300 Full V V V Y O PR 1 680 95/417
2000&2300 Full V V V Y O PR 2 620 80/534
2000&2300 Full V V V Y O PR 3-4 620 75/801
2000&2300 Full V V V Y V PR 1 720 90/417 620
2000&2300 Full V V V Y N PR 1 620 80/417
2000&2300 Full V V V Y N PR 2-4 620 75/801
2000&2300 Full V V V Y O C 1 620 80/417
2000&2300 Full V V V Y OV C 2-4 620 75/801
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2089DURefi+ Full V V V Y OVN R 1-4 620 105/801
2091HighBal Full V V V Y O P 1 720 90/729 660
2091HighBal Full V V V Y O PR 1 720 90/625 660
2091HighBal Full V V V Y O PR 2-4 740 75/1403
2091HighBal Full V V V Y V PR 1 740 65/729
2091HighBal Full V V V Y N PR 1 740 60/729
2091HighBal Full V V V Y O C 1 740 60/729
2099DURefi+ Full V V V Y O R 1 660 105/729
Jumbo3000-10 Full V V V Y O PRC 1-2 700 80/1000 720
HomePath Full V V V Y O P 1 660 97/417 75/729 620
HighLTV2059 Full V V V Y O P 1 720 97/417
Cash-out not allowed in Texas; manufactured homes not permitted; LTV > 80% subject to MI-provider restrictions
NATIONWIDE except: AK HI KY LA MI MN MO MS ND NY OH
90
90
90
65
60
60
800-350-5363
www.stearnswholesale.com
PI W to 80%, 720 score for I/O
PI W to 80%, DU Approve/Elig.
PI W to 80%, DU Approve/Elig.
Portfolio for 5-10 financed
Portfolio for 5-10 financed
Portfolio for 5-10 financed
6 mo seasoning
6 mo seasoning
DU Refi Plus Approve/Elig only
FNMA limits, condos 85%
FNMA limits, condos 85%
FNMA loan limits
FNMA loan limits
FNMA loan limits
FNMA loan limits
Perm loan limits Refi+
Prior approval u/w req'd
FNMA REO; No appraisal or MI
SFR only; MI U/W required
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80/2000
80/417
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.
