« matrix: prime niches »
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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.
COMPANY NAME
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
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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
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
360 Mortgage Group LLC
866-418-2997
www.360mtg.com
Y
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
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 specializing inconformingand nonconformingloans
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
NATIONWIDE except: AK AL AR HI MS One of the nation's leading federal credit unions offering competitive agency and portfolio programs with attractive MI benefits.
Now a HomePath lender for FNMA-owned properties.
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10 Y Y Y Y Y Y Y 50K Y Y Y 30
AZ CA CT DC ID LA MA MD MN NJ NM NV OH OR PA TX UT VA WA FNMA and GNMA direct portfolio lender specializing in niche programs. We are a
service-oriented, FHA-centric mortgage bank. We are known for our great service, fast turn times and niche products. Call us today!
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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.
