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
360 Mortgage Group LLC
AZ CA CO GA IA Id IL IN KS KY MN MO NC NM OK OR TN
TX UT WA WY
50 96.5 2 1 3 1 F
50 97.7 2 1 3 1 F
50 85 2 1 3 1 F
0 125 2 1 3 1 F
41 96.5 2 1 3 1 A
41 96.5 2 1 3 1 F
50 100 2 1 3 F
50 90 2 1 3 F
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
FHA Full V V V Y O P 1-4
FHARATe-TeRM Full V V V Y O R 1-4
FHAC/O Full V V V Y O R 1-4
FHASTReAMLINe NoRatio N V V Y ON R 1-4
FHAARM Full V V V Y O PR 1
FHAHIGHBAL Full V V V Y O PR 1
VA Full V V V Y O P 1
VA Full V V V Y O RC 1
FHA county limits apply to maximum mortgage amounts.
640 96.5/801
640 97.75/801
640 85/801
640 97.75/801
660 96.5/417
680 96.5/729
640 100/417
640 90/417
0/12
0/12
0/12
0/12
0/12
0/12
0/12
0/12
866-418-2997
www.360mortgage.com
No manufactured
No manufactured
No manufactured
W/w/o appraisal, mtg. cr. only
3-1 or 5-1 - no manual UW
dU only - no manual UW
COMMENTS
Max CLTV on refis 90%
Affordable Home Loans
UT
FHAFixed V V V Y O P 1-4 660 96.5/1403 50 100 0/12 2 1 3
801-565-9300
www.affordableteam.com
Units/county limits apply
Units/county limits apply
Units/county limits apply
Units/county limits apply
American Financial Resources Inc.
866-656-9728
www.afrwholesale.com
NATIONWIde
FHAPortfolio Full V V V Y O P 1 600 96.5/417 43 96.5 1 B
FHAPortfolio Full V V V Y O R 1 600 97.75/417 43 97.7 1 B
FHA Portfolio Full V V V Y O C 1 600 85/417 43 85 1 B No cash-out refinance in TX
FHAPortfolio Full V V V Y O P 2 600 96.5/533 43 96.5 1 B
FHAPortfolio Full V V V Y O R 2 600 97.75/533 43 97.7 1 B
FHA Portfolio Full V V V Y O C 2 600 85/533 43 85 1 B No cash-out refinance in TX
FHA Standard Full V V V Y O P 1 620 96.5/729 43 96.5 1 B Manufactured housing programs
FHA Standard Full V V V Y O R 1 620 97.75/729 43 97.7 1 B FHA county limit applies
FHA Standard Full V V V Y O C 1 620 85/729.7 43 85 1 B FHA county limit applies
FHA Standard Full V V V Y O P 2-4 620 96.5/1403 43 96.5 1 B FHA units/county limits apply
FHA Standard Full V V V Y O R 2-4 620 97.7/1403 43 97.7 1 B FHA units/county limits apply
FHA Standard Full V V V Y O C 2-4 620 85/1403 43 85 1 B FHA units/county limits apply
FHA Premium Full V V V Y O P 1-4 660 96.5/1403 50 96.5 1 B Manufactured housing programs
FHA Premium Full V V V Y O R 1-4 660 97.7/1403 50 97.7 1 B FHA units/county limits apply
FHA Premium Full V V V Y O C 1-4 660 85/1403 50 85 1 B FHA units/county limits apply
FHA 203K(s) Full V V V Y O R 1-4 600 97.7/729 49 97.7 1 B Rehab/repair costs up to $35K
FHA 203K(s) Full V V V Y O P 1-4 600 96.5/729 49 96.5 1 B Rehab/repair costs up to $35K
AFR Wholesale is a nationwide residential lender specializing in manually under written FHA loans. HUd/FHA approval is not required. Manufactured homes min. FICO is 620. No cash-out refinances in TX
AMX Loans
NATIONWIde except: AK AL AR dC de FL KS KY LA MO NJ
OH OK PA WV
45 96.5 F
45 97.7 F
45 96.5 F
50 96.5 B
50 100 B
800-522-5263
www.amxloans.com
FHAMH Full V V V Y O P 1 640 96.5/417
0/12 2 1 3
0/12 2 1 3
0/12 2 1 3
0/12 2 1 3
0/12 2 1 3
1
1
1
1
1
Conforming & high balance
Carrington Mortgage Services LLC - Wholesale Lending
CA
FHAStandard Full V V V Y O
P 1-4
R 1-4
C1
P 1-4
R 1-4
C1
620 96.5/801
620 97.75/801
620 85/417
640 96.5/1403
640 97.75/1403
660 85/729
55
55
55
43
43
43
0/12 2
0/12 2
0/12 2
0/12 2
0/12 2
0/12 7
3
3
3
3
3
7
866-453-2400
www.carringtonwholesale.com
B County limits apply
B County limits apply
B County limits apply
B County limits apply
B County limits apply
B County limits apply
display
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.
