Scotsman Guide - January 2012 Residential Edition

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
V=Verified S=Stated
DOCUMENTATION

TMSFunding Wholesale
PROGRAM
NAME
O
V
N
P
R
C
OCC PURP
FICO
#
UNITS

%/$K
NATIONWIDE except: CA CO CT DC DE FL GA IL MA MD
ME MI NC NH NJ NY PA RI SC TN TX VA VT
NA N N
NA N N
NA N N
NA N N
NA N N
NA N N
NA N N
NA N N
NA N N
Ratio
%

%/$K %/$K %/$K %/$K FICO

888-371-2989
www.tmsfunding.com
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

75/417

75/801

41 0/12

50 0/12

4-unit max $801,950

Subject to agency limits

United Wholesale Mortgage

AgencyConf Full V V V Y O PR 1 640

AgencyConf Full V V V Y N PR 1 640

AgencyC/O Full V V V Y O C 1 640

AgencyC/O Full V V V Y VN C 1 640

ConvArmC/O Full V V V Y O C 1 640

ConvArmC/O Full V V V Y VN C 1 640

DURefiPlus Full V V V Y OV PR 1 640

DURefiPlus Full V V V Y O PR 2 640

Discover lending made easy with UWM! Close your loans in 10 Days or less!

95/417

75/417

80/417

75/417

85/417

75/417

105/417

NATIONWIDE except: AK HI NY

41 0/12 NA

45 0/12 NA

680 85/417 45 0/12 NA

45 0/12 NA

45 0/12 105 NA

45 0/12 105 NA
N
N
N
N
N
N
N
N

800-981-8898
www.uwmco.com
N Discover lending made easy!

N Clearing conv cond. in 48 hrs N Work directly with underwriter N Easy paperless submissions!

N Underwriting conv in 72 hours N Clearing conv cond. in 48 hrs N Clearing conv cond. in 48 hrs N CTC today = closing tomorrow

USA Direct Funding

Conventional Full V V V Y O PR 1 720 97/417 680

Conventional Full V V V Y O PRC 1 620 80/417

HomePath Full V V V Y O P 1 700 97/417

HomePath Full V V V Y VN P 1 740 90/417

Jumbo Full V V V Y O PR 1-2 720 80/2000

High-Balance Full V V V Y O PR 1 700 80/506

DURefiPlus Full V V V Y O R 1-4 620 95/417

1 Day Off MLS Full V V V Y O R 1-2 680 95/417

Highest level of customer service; boutique lender; complete product guidelines and pricing at usadirectfunding.com.

CA ID OR WA

95/417

41 0/12 97 NA B

41 0/12 95 NA B

50 0/12 97 NA B

50 0/12 90 NA F

45 0/12 80 NA B

45 0/12 90 NA B

55 0 110 NA B

41 0/12 95 NA B
N
N
N
N
N
N
N
N

888-697-3860
www.usadirectfunding.com
N FNMA loan limits apply
N FNMA loan limits apply
N FNMA loan limits apply
N FNMA loan limits apply
N
N
N
N
HERA limits apply
Higher LTV/CLTV's available
C/O available to 70% LTV/CLTV

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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.