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
Type I E a 45
I=Income
e=employment
A=Assets 45=4506
V=Verified S=Stated
DOCUMENTaTION
M TG
BaNKRUPTCy/
M TG
LaTES
FORECLOSURE
INSURaNCE
OCC PURP
F/a/B
Min yrs Since
DTI
PROGRaM
NaME
Flagstar Bank
NATIONWIde
FHAFixed Full V V V Y O P 1 640 96.5/729
866-945-9872
wholesale.flagstar.com
County limits apply
County limits apply
County limits apply
County limits apply
County limits apply
County limits apply
County limits apply
County limits apply
County limits apply
County limits apply
cover
FPF Wholesale
NATIONWIde except: AK HI KY LA MI MO MS Nd NY OH www.FollowFPF.com
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 97.75/1403 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
4090-00 FHA Full V V V Y O C 1-2 660 85/934 50 85 0/12 3 5 1.00 0 B No C/O in Texas; County limits
4500-00 VA Full V V V Y O P 1 620 100/650 41 100 0/12 3 1 5 B 1 unit > $417K; 720 score
4500-00 VA Full V V V Y O C 1 620 90/417 41 90 0/12 3 1 5 B Max $417K incl. VAFF
4015-03USdA Full V V V Y O P 1 640 100/417 41 100 0/12 3 3 3 3. 5 0 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 5 1.0 0 F No streamlines, no high bal
AUS Approve required; 640 minimum credit score Streamlines/IRRRLs; no manuf. homes; VA IRRRL max 100% LTV/CLTV with HVCC-compliant appraisal; USdA in eligible rural areas
GotMortgage.com CA HI 714-241-4540 x1200 www.gotmortgage.com
3 B County limits apply
FHA Full V V V Y O P 1-4 640 96.5/729 45 2 1
3 months reserves required
B County limits apply
B County limits apply
B County limits apply
B County limits apply
iApprove Lending Wholesale
CA
FHA Full V V V Y O
FHA Full V V V Y O
FHA Full V V V Y O
FHA Full V V V Y O
FHA Full V V V Y O
FHA Full V V V Y O
FHA203(k) Full V V V Y O
FHAHB Full V V V Y O
Pricing and service are our strengths.
P1
P1
P 2-4
R1
R 2-4
C1
P1
PR 1-4
620 96.5/417
640 96.5/417
640 96.5/801
640 97.75/417
640 97.75/801
640 85/417
640 96.5/417
640 96.5/1403
43 96.5 0/12 2 1 3
55 96.5 0/12 2 1 3
55 96.5 0/12 2 1 3
55 97.7 0/12 2 1 3
55 97.7 0/12 2 1 3
55 85 0/12 2 1 3
55 100 0/12 2 1 3
55 96.5 0/12 2 1 3
714-775-5353
www.iapprovelending.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
B County limits apply
B County limits apply
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.
