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
%/$K
%/$K %/$K %/$K FICO
LTV / LOAN AMOUN T
%/$K
Ratio
%
The Funding Pool
CO ID UT
866-210-0850
www.fundingpool.net
AgencyConf. Full V V V Y O PR 1 680 95/417 45 0/12 95 NA F N N
AgencyConf. Full V V V Y O PR 2 680 80/533 45 0/12 95 NA F N N
AgencyConf. Full V V V Y O PR 3-4 680 80/645 45 0/12 80 NA F N N
AgencyConf. Full V V V Y V PR 1 680 90/417 45 0/12 90 NA F N N
AgencyConf. Full V V V Y N PR 1 680 80/417 45 0/12 85 NA F N N
AgencyConf. Full V V V Y N PR 2-4 680 75/533 45 0/12 75 NA F N N
AgencyC/OUT Full V V V Y O C 1 680 85/417 45 0/12 85 NA F N N
AgencyC/OUT Full V V V Y VN C 1 680 70/417 45 0/12 70 NA F N N
AgencyC/OUT Full V V V Y O C 2 700 75/533 45 0/12 75 NA F N N
AgencyC/OUT Full V V V Y N C 1-2 700 75/417 45 0/12 75 NA F N N
Conv3/1Arm Full V V V Y O PR 1 680 95/417 45 0/12 95 NA A N N
Conv5/1Arm Full V V V Y O PR 1 680 90/417 45 0/12 95 NA A N N
Conv7/1Arm Full V V V Y O PR 1 680 90/417 45 0/12 95 NA A N N
FNMA<90Flip Full V V V Y O P 1 680 80/417 45 0/12 80 NA F N N
FNMA97 Full V V V Y O P 1 720 97/417 41 0/12 97 NA N N
No manual underwrites, must be DU approve/eligible on all products. County limits apply. 2 months PITI required on products with MI. Broker package available at www.fundingpool.net
Qualify at 2% over start rate
Qualify at 2% over start rate
Qualify at 2% over start rate
DU only
DU only
TMSFunding Wholesale
Primary Full V V V
Primary Full V V V
Primary Full V V V
Primary Full V V V
Primary Full V V V
SecondHome Full V V V
Investment Full V V V
Investment Full V V V
Investment Full V V V
Broker approval: www.tmsfunding.com
O
O
O
O
O
V
N
N
N
P 1 720
97/417
95/417
80/417
80/533
75/801
80/417
80/417
75/417
75/801
United Wholesale Mortgage
AgencyConf Full V V V Y O PR 1 680 95/417
AgencyConf Full V V V Y O PR 2 680 75/417
AgencyConf Full V V V Y N PR 1 680 75/417
AgencyConf Full V V V Y V PR 1 720 90/417
AgencyC/O Full V V V Y O C 1 680 80/417
AgencyC/O Full V V V Y VN C 1 680 75/417
AgencyC/O Full V V V Y O C 2 680 75/417
Conv-HighBal Full V V V Y O PR 1 680 75/729
Conv-HighBal Full V V V Y VN PR 1 740 65/729
Conv-HighBal Full V V V Y O PR 2 740 75/729
Conv-HighBal Full V V V Y O C 1 740 60/729
ConvArm Full V V V Y O PR 1 680 80/417
ConvArm Full V V V Y V PR 1 740 90/417
ConvArm Full V V V Y N PR 1 680 75/417
ConvArm Full V V V Y O PR 2 680 80/417
ConvArm Full V V V Y N PR 2 680 70/417
ConvArmC/O Full V V V Y O C 1 700 80/417
ConvArmC/O Full V V V Y VN C 1 680 75/417
ConvArmC/O Full V V V Y O C 2 680 75/417
ConvArmC/O Full V V V Y N C 2 680 60/417
Conv-HBArm Full V V V Y O PR 1 680 75/729
Conv-HBArm Full V V V Y V PR 1 740 65/729
Conv-HBArm Full V V V Y O PR 2 740 75/729
Conv-HBArm Full V V V Y O C 1 740 60/729
DURefiPlus Full V V V Y OVN PR 1 680 95/417
DURefiPlus Full V V V Y O PR 2 680 95/417
UWM is now offering the same speed and service you are used to with our conventional product line!
NATIONWIDE except: CA CO CT DC DE FL GA IL MA MD MI
NC NH NJ NY PA RI SC TN TX VA
888-371-2989
www.tmsfunding.com
41 0/12
50 0/12
50 0/12
50 0/12
50 0/12
50 0/12
50 0/12
50 0/12
NA
NA
NA
NA
NA
NA
NA
NA
NA
N
N
N
N
N
N
N
N
N
N
N
N
N
N 4-unit max $801,950
N
N
N
N
Subject to agency limits
NATIONWIDE except: AK HI NJ NY
720 85/417
740 90/729
N
N
N
N
N
N
N
N
N
N
N
N
N
N
N
N
N
N
N
N
N
N
N
N
N
N
800-981-8898
www.uwmco.com
N Restrictions apply with 680
N Underwriting conv in 72 hours!
N Clearing conv cond. in 48 hrs
N C TC today = closing tomorrow
N Work directly with underwriter
N Easy paperless AUS software
N UWM=speed, service & knowledge
N Use our revolutionary eConsent
N Underwriting conv in 72 hours
N Clearing conv cond. in 48 hrs
N CTC today = closing tomorrow
N Work directly with underwriter
N Easy paperless AUS software
N UWM=speed, service & knowledge
N Use our revolutionary eConsent
N Closing conv loans in 10 days!
N Underwriting conv in 72 hours
N Clearing conv cond. in 48 hrs
N Easy paperless AUS software
N UWM=speed, service & knowledge
N Use our revolutionary eConsent
N Closing conv loans in 10 days!
N Underwriting conv in 72 hours
N Clearing conv in 72 hours
N Clearing conv cond. in 48 hrs
N C TC today = closing tomorrow
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.
