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
ICON Residential Lenders
NATIONWIDE except: AK
FHA Full V V V Y O P 1-4 620 96.5/417 100 1/12 2 1 3 1.00 0
FHA Full V V V Y O R 1-4 620 97.75/417 97.7 1/12 2 1 3 1.00 0
FHA Full V V V Y O C 1-4 620 85/417 85 0/12 2 1 3 1.00 0
Streamline NoRatio N V V Y O R 1-4 640 97.75/417 100 0/12 1.00 0
*Streamline NoRatio N V V Y OVN R 1-4 640 100/417 100 0/12 1.00 0
FHA Full V V V Y O P 1-4 620 96.5/729 96.5 1/12 3 1 3 1.00 0
FHA Full V V V Y O R 1-4 620 97.75/729 97.7 1/12 3 1 3 1.00 0
FHA Full V V V Y O C 1-4 660 85/729 85 0/12 3 1 3 1.00 0
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Streamline NoRatio N V V Y O R 1-4 640 97.75/729 97.7 0/12 1.00 0
*Streamline NoRatio N V V Y OVN R 1-4 640 100/729 100 0/12 1.00 0
VA Full V V V Y O P 1-4 620 100/417 100 1/12 2 1 2
VA Full V V V Y O R 1-4 620 90/417 90 1/12 2 1 2
VA Full V V V Y O C 1-4 620 90/417 90 1/12 2 1 2
VA Full V V V Y O P 1-4 620 100/729 100 0/12 2 1 7
VA Full V V V Y O R 1-4 640 100/729 100 0/12 2 1 7
VA Full V V V Y O C 1-4 640 90/729 100 0/12 2 1 7
VAIRRRL No Ratio N V V ON R 1-4 620 100/417 100 0/12 2 1 2
VAIRRRL No Ratio N V V ON R 1-4 620 100/729 100 0/12 2 1 7
Subject to county limits and maximum loan amount for number of units. *Streamline without an appraisal. Refer to www.iconwholesale.com.
888-247-6427
www.iconwholesale.com
B DU Eligible
B DU Eligible
B DU Eligible
B Manual UW
F
F
F
F
F
F
B
B
B
F
F
F
B
B
DU Eligible
DU Eligible
DU Eligible
Manual UW
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DU Approve/Eligible
DU Approve/Eligible
DU Approve/Eligible
DU Approve/Eligible
DU Approve/Eligible
DU Approve/Eligible
DU Approve/Eligible
DU Approve/Eligible
Impac Mortgage - Wholesale Lending
FHA Full V V V Y O P 1-4 640 96.5/801
FHAHiBal Full V V V Y O P 1-4 640 96.5/1403
FHAHiBal Full V V V Y O R 1-4 64097.75/1403
New website www.Impac Wholesale.com. Use our iPrice tool to price over 30 products, no approval needed.
AZ CA FL ID NV OR WA
43 100 0/12 2 1 3
43 100 0/12 2 1 3
43 97.5 0/12 2 1 3
888-795-4033
www.Impac Wholesale.com
B DU Approve
A DU Approve, Subject to county
A DU Approve, Subject to county
Kinecta Federal Credit Union 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
FHA Full V V V Y O P 1-4 640 96.5/801 50 100 0/30 2 2 3 F
FHAHiBal Full V V V Y O P 1-4 640 96.5/1403 50 100 0/30 2 2 3 F
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FHA Full V V V Y O R 1-4 640 97.75/801 50 97.7 0/30 2 2 3 F
FHAHi Bal Full V V V Y O R 1-4 64097.75/1403 50 97.7 0/30 2 2 3 F
FHA Full V V V Y O C 1-4 640 85/801 50 85 0/30 2 2 3 F
FHAHiBal Full V V V Y O C 1-4 660 85/1403 50 85 0/30 2 2 3 F
County limits and state variances for income documentation apply. Streamline Refi 640 min FICO. No manuf. homes. 6 mo. seasoning req. applies.
1.00
1.00
1.00
1.00
1.00
1.00
800-854-4600
www.LoanKinection.com
97.5%LTV incl. MIP
97.5%LTV incl. MIP
98.75%LTV incl. MIP
98.75%LTV incl. MIP
Max C/O $200K
Max C/O $200K
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Live Well Financial
NATIONWIDE except: AK NY
display
FHA Full V V V Y O P 1-4 640 96.5/1403 96.5 0/12 2 1 3
FHA Full V V V Y O R 1-4 640 97.7/1403 97.7 0/12 2 1 3
FHA Full V V V Y O C 1-4 640 85/1403 85 0/12 2 1 3
We substantially improve our partners' experience by offering competitive pricing, best-in-class service and no-hassle underwriting.
866-444-9354
www.livewellfinancial.com/partners
B County limits apply
B County limits apply
B County limits apply
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Real Estate Mortgage Network NATIONWIDEexcept: AK AR HI ID KS MA ME MN MS MT ND NE NH RI SD UT WY 866-933-6342 www.remnwholesale.com
USDA Full V V V Y O P 1 600 103/417 41 103 0/12 3 3 3 B ContactyourAEfordetails
FHA R/ T Refi Full V V V Y O R 1-4 600 97.75/1400 56 97.7 0/12 2 1 3 B Contact your AE for details
FHA C/O Refi Full V V V Y O C 1-4 600 85/1400 56 85 0/12 2 1 3 B Contact your AE for details
FHA Purchase Full V V V Y O P 1-4 600 96.5/1400 56 100 0/12 2 1 3 B Contact your AE for details
VA Purchase Full V V V Y O P 1-4 600 100/1400 41 100 0/12 2 1 3 B Contact your AE for details
VA Refinance Full V V V Y O RC 1-4 600 90/1400 41 90 0/12 2 1 3 B Contact your AE for details
Same-day approvals on new files submitted before 11 a.m. since 2002. Easy broker application. Experience REMN customer service. To get started visit remnwholesale.com.
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.
