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
Real Estate Mortgage Network NATIONWIde except: AK AR HI Id KS MA Me MN MS MT Nd Ne NH RI Sd UT WY
USdA Full V V V Y O P 1 600 103/417 41 103 0/12 3 3 3 B
FHAR/TRefi Full V V V Y O R 1-4 60097.75/1400 56.9997.75 0/12 2 1 3 B
FHAC/ORefi Full V V V Y O C 1-4 600 85/1400 56.99 85 0/12 2 1 3 B
FHAPurchase Full V V V Y O P 1-4 600 96.5/1400 56.99 100 0/12 2 1 3 B
VAPurchase Full V V V Y O P 1-4 600 100/1400 41 100 0/12 2 1 3 B
VARefinance Full V V V Y O RC 1-4 600 90/1400 41 90 0/12 2 1 3 B
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.
FICO %/$K %/$K %/$K FICO
Ratio
%
30s
in the
Last
Mo
to
%
Ch 7
BK
disch
Upfront
MI
Max
%
Yearly
MI If
LTV >
____
Ch 13
BK
File
Fore
Satis
Min yrs Since
Fixed,
ARM,
Both UNITS LTV / LOaN aMOUNT COMBINa TIONS
CLTV
F/a/B
M TG
LaTES
BaNKRUPTCy/
FORECLOSURE
M TG
INSURaNCE
PROGRaM
NaME
Type I E a 45
866-933-6342
www.remnwholesale.com
Contact your Ae for details
Contact your Ae for details
Contact your Ae for details
Contact your Ae for details
Contact your Ae for details
Contact your Ae for details
COMMENTS
RightStart Mortgage Wholesale
AZ CA CO OR TX WA
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FHA Full V V V Y O P 1-4 580 96.5/801 43 96.5 0/12 2 1 3 1.00
FHA Full V V V Y O R 1-4 580 96.5/801 43 96.5 0/12 2 1 3 1.00
FHA Full V V V Y O C 1-2 580 85/533 43 85 0/12 2 1 3 1.00
FHA loans with credit scores down to 580! Make-sense underwriting for your tough-to-place FHA loans! Call Lavon Barton, National Sales Manager at 626-739-5307
800-520-5626 x5307
www.rsmwholesale.com
F Higher d TI with AUS Approve
F Higher d TI with AUS Approve
F Higher d TI with AUS Approve
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Stearns Lending Inc. NATIONWIde except: AK HI KY LA MI MO MS Nd NY OH 800-350-5363 www.stearnswholesale.com
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4000/4090 FHA Full V V V Y O P 1-4 640 96.5/1403 50 0/12 3 5 1.00 0 B County limits apply
4000/4090 FHA Full V V V Y O R 1-4 640 97.7/1403 50 97.7 0/12 3 5 1.00 0 B County limits apply
4000-00 FHA Full V V V Y O C 1-2 640 85/533 50 85 0/12 3 5 1.00 0 B No C/O in Texas; County limits
4090-00 FHA Full V V V Y O C 1-2 660 85/934 50 85 0/12 3 5 1 N B County limits apply
4500-00 VA Full V V V Y O P 1 620 100/650 41 0/12 3 1 5 N B 1 unit only >$417K, 720 score
4500-00 VA Full V V V Y O C 1 620 90/417 41 90 0/12 3 1 5 N B Max $417K incl. VAFF
4015-03USdA Full V V V Y O P 1 640 100/417 41 0/12 3 3 3 3. 5 N F 3.5%GuaranteeFee
4010-00 FHA Full V V V Y O PR 1-4 620 96.5/1403 43 96.5 0/12 3 3 5 1 0 F No streamlines, no high bal
AUS Approve required; 640 minimum credit score Streamlines/IRRRLs; no manuf. homes; VA IRRRLs max 100% LTV/CLTV, must have HVCC-compliant appraisal for value; USdA in eligible rural areas
The Funding Pool 866-210-0850 www.fundingpool.net
1.00 County/unit limits apply
1.00 County/unit limits apply
1.00 County/unit limits apply
1.00 County/unit limits apply
1.00 No manual U/W
County/units limits apply
No IRRLS - max CLTV 90%
display
CO Id UT
FHAPurchase Full V V V Y O P 1-4 680 96.5/801 55 96.5 0/12 2 1 3 0 F
FHAR&T Full V V V Y O R 1-4 680 97.75/801 55 97.7 0/12 2 1 3 0 F
FHAC/O Full V V V Y O C 1-4 680 80/801 50 85 0/12 2 1 3 0 F
FHAArm Full V V V Y O PR 1 680 96.5/417 50 96.5 0/12 2 1 3 0 A
FHAHighBal Full V V V Y O PR 1 680 96.5/729 50 96.5 0/12 7 7 7 0 B
VAPurchase Full V V V Y O P 1 680 100/417 50 100 0/12 2 1 2 F
VA Full V V V Y O RC 1 680 90/417 50 90 0/12 2 1 2 F
UtahHousing Full V V V Y O P 1 680 96.5/417 55 103 0/12 2 1 2 1.00 F
90-day no payments on purchases. No manufactured homes. FICOs down to 660 on exception. County limits apply. dU approval may exceed d TI. Broker package available at www.fundingpool.net
TMSFunding Wholesale 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
50 F Subject to county limits
50 F Subject to county limits
50 F Subject to county limits
50 F Loan amount over $417K
50 A 1/1/5 caps-over $417K
45 95 F LP Accept only, no manual U W
Purchase Full V V V O P 1-4 640 96.5/801
United Wholesale Mortgage
FHAPurchase Full V V V Y O P 1-4 640
FHARefi Full V V V Y O RC 1-4 640
FHAJumbo Full V V V Y O PR 1-4 660
FHAJumboC/O Full V V V Y O C 1-4 660
FHA$100down Full V V V Y O P 1-4 640
FHA3/1ARM Full V V V Y O PRC 1-4 640
FHA5/1ARM Full V V V Y O PRC 1-4 640
Streamline Full V V V Y O R 1-4 640
Manufactured Full V V V Y O PRC 1 700
www.uwmco.com Closing FHA loans in 5-7 days across the country!
97/417
97/417
97/729
85/729
99/417
97/417
97/417
97/417
85/417
NATIONWIde except: AK HI NJ NY Sd
43 100 0/12 2 1 3 2.25 0
43 100 0/12 2 1 3 2.25 0
43 100 0/12 2 1 3 2.25 0
43 100 0/12 2 1 3 2.25 0
43 100 0/12 2 1 3 2.25 0
43 100 0/12 2 1 3 2.25 0
43 100 0/12 2 1 3 2.25 0
55 100 0/12 2 1 3 2.25 0
43 85 0/12 2 1 3 2.25 0
800-981-8898
www.uwmco.com
F Closing loans in 10 days!
F Underwriting in 48 hours!
F Conditions cleared in 24 hours
F C TC today = closing tomorrow
F HUd ReO program (state spec.)
A Quick & easy paperless AUS
A Communicate with U W directly
B Ratios 39/55
A Manufactured homes 1990+
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.
