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
I=Income
V=Verified S=Stated
DOCUMENTATION
O
V
N
P
R
C
FICO %/$K %/$K %/$K FICO UNI TS LTV / LOAN AMOUNT COMBINATIONS
E=Employment
A=Assets 45=4506
OCC PURP
iApprove Lending
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
MTG
LATES
BANKRUPTCy/
FORECLOSURE
MTG
INSURANCE
F/A/B
DTI
30s
in the
Last
Mo
to
Min yrs Since
CLTV
Ratio
%
%
Ch 7
BK
Disch
Ch 13
BK
File
Fore
Satis
Upfront
MI
Max
%
Yearly
MI If
LTV>
____
Fixed,
ARM,
Both
714-775-5353
www.iapprovelending.com
43 96.5 0/12 2 1 3
B County limits apply
55 96.5 0/12 2 1 3
B County limits apply
55 96.5 0/12 2 1 3
B County limits apply
55 97.7 0/12 2 1 3
B County limits apply
55 97.7 0/12 2 1 3
B County limits apply
55 85 0/12 2 1 3
B County limits apply
55 100 0/12 2 1 3
B County limits apply
B County limits apply
55 96.5 0/12 2 1 3
ICON Residential Lenders
NATION WIDE except: AK
FHA Full V V V Y O P 1-4 640 96.5/417 96.5/801 100 1/12 2 1 3 1.00 0
FHA Full V V V Y O R 1-4 640 97.75/41797.75/801 97.7 1/12 2 1 3 1.00 0
FHA Full V V V Y O C 1-4 640 85/417 85/801 85 0/12 2 1 3 1.00 0
Streamline NoRatio N V V Y O R 1-4 640 97.75/41797.75/801 100 0/12 1.00 0
*Streamline NoRatio N V V Y OVN R 1-4 640 100/417 100/801 100 0/12 1.00 0
FHA Full V V V Y O P 1-4 640 96.5/62596.5/1202 96.5 1/12 3 1 3 1.00 0
FHA Full V V V Y O R 1-4 640 97.75/62597.75/1202 97.7 1/12 3 1 3 1.00 0
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FHA Full V V V Y O C 1-4 660 85/625 85/1202 85 0/12 3 1 3 1.00 0
Streamline No Ratio N V V Y O R 1-4 640 97.75/62597.75/1202 97.7 0/12 1.00 0
*Streamline NoRatio N V V Y OVN R 1-4 640 100/625 100/1202 100 0/12 1.00 0
VA Full V V V Y O P 1-4 620 100/417 100/801 100 1/12 2 1 2
VA Full V V V Y O R 1-4 620 90/417 90/801 90 1/12 2 1 2
VA Full V V V Y O C 1-4 620 90/417 90/801 90 1/12 2 1 2
VA Full V V V Y O P 1-4 640 100/729 100/1000 100 0/12 2 1 7
VA Full V V V Y O R 1-4 640 100/729 100/1000 100 0/12 2 1 7
VA Full V V V Y O C 1-4 640 90/729 90/1000 100 0/12 2 1 7
VAIRRRL NoRatio N V V ON R 1-4 620 100/417 100/801 100 0/12 2 1 2
VAIRRRL NoRatio N V V ON R 1-4 620 100/729 100/1000 100 0/12 2 1 7
Subject to county limits and maximum loan amount for number of units. *Streamline without an appraisal. Refer to www.iconwholesale.com.
888-247-6427
www.iconwholesale.com
B DU eligible
B DU eligible
B DU eligible
B Manual UW
F
F
F
F
F
F
B
B
B
F
F
F
B
B
DU eligible
DU eligible
DU eligible
Manual UW
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DU approve/eligible
DU approve/eligible
DU approve/eligible
DU approve/eligible
DU approve/eligible
DU approve/eligible
DU approve/eligible
DU approve/eligible
Impac Mortgage - Wholesale Lending AL AZ CA CO DC FL GA ID IL KY LA MD MS NC NV OR TN TX VA WA WV 888-795-4033 www.ImpacWholesale.com
FHA Full V V V Y O P 1-4 640 96.5/801 43 100 0/12 2 1 3 A DUApprove,Subjecttocounty
FHA Full V V V Y O P 1-4 620 96.5/801 43 100 0/12 2 1 3 F DU Approve, Subject to county
FHA Hi Bal Full V V V Y O P 1-4 640 96.5/1403 43 100 0/12 2 1 3 A DU Approve, Subject to county
FHA Hi Bal Full V V V Y O R 1-4 640 97.75/1403 43 97.5 0/12 2 1 3 A DU Approve, Subject to county
FHA Hi Bal Full V V V Y O R 1-4 620 97.75/1403 43 100 0/12 2 1 3 F DU Approve, Subject to county
VA Full V V V Y O P 1-4 620 100/417 41 100 0/12 2 1 2 F DU/Approve/Eligible
VA Full V V V Y O C 1-4 620 90/417 41 90 0/12 2 1 2 F DUApprove/Eligible
VA Full V V V Y O P 1-4 640 100/417 41 100 0/12 2 1 2 A DU/Approve/Eligible
VA Full V V V Y O C 1-4 640 90/417 41 90 0/12 2 1 2 A DUApprove/Eligible
VAIRRRL Full V V V Y O R 1-4 620 100/417 41 100 0/12 2 1 2 F DUApprove/Eligiblew/appraisal
VAIRRRL Full V V V Y O R 1-4 640 100/417 41 100 0/12 2 1 2 A DUApprove/Eligiblew/appraisal
Website www.Impac Wholesale.com. Use our iPrice tool to price over 60 products instantly, no approval needed. VA and VA IRRRL availabe only in ID, OR, WA. 24-48 hour underwriting times.
JMAC Lending Inc. AZ CA ID NV OR WA 714-841-0776 www.jmaclending.com
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FHA30 Full V V V Y O R 1-4 640 97.75/417 97.75/967 55 0/12 2 1 3 1 B LA > $417K max DTI 50%
FHA30 Full V V V Y O C 1-4 640 85/417 85/625 55 0/12 2 1 3 1 B LA > $417K max DTI 50%
FHA30 Full V V V Y O P 1-4 640 96.5/417 96.5/967 55 0/12 2 1 3 1 B LA > $417K max DTI 50%
FHA15 Full V V V Y O P 1-4 640 96.5/417 96.5/967 55 0/12 2 1 3 1 F LA > $417K max DTI 50%
FHA15 Full V V V Y O R 1-4 640 97.75/417 97.75/967 55 0/12 2 1 3 1 F LA > $417K max DTI 50%
FHA15 Full V V V Y O C 1-4 640 85/417 85/967 55 0/12 2 1 3 1 F LA > $417K max DTI 50%
FHAS TR Full V V V Y ON R 1-4 640 97.75/417 97.75/800 0/12 2 1 3 1 B Still accepting HB LA > $417K
Come experience a simpler and faster approach to closing your FHA files. New Approved Accounts from Scotsman Guide will receive a one-time -0.25 incentive on your first submission.
Visit www.jmaclending.com for more information and rate sheets.
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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.
