All parameters on each line are used in combination
with one another — each line represents a specific
loan scenario or credit grade
Gateway Mortgage Group AL AR CA CO FL IA IN KS LA MD MI MO MS NE NM NV OK SC TN TX UT VA WV WY
Conforming Full V V V Y O PR 1 640 95/417 50 0/12 95 NA A N N
Conforming Full V V V Y O C 1 640 80/417 50 0/12 80 NA A N N
Conforming Full V V V Y VN P 1 640 80/417 50 0/12 80 NA A N N
Conforming Full V V V Y VN R 1 640 75/417 50 0/12 75 NA A N N
Conforming Full V V V Y VN C 1 640 70/417 50 0/12 70 NA A N N
24-hour U W, submit to close on your 12-day lock, HVCC transfers, max DTI 50, 2075/PI W per DU, LPMI, min. FICO 640, grant programs, scenarios@gatewayae.com.
FICO %/$K %/$K %/$K %/$K%/$K FICO
Ratio
%
Mtg
Lates
30s
in the
Last
Mo
to
%
IO
Period
Yrs
Fixed,
ARM,
Both
F/A/B
40-yr
Amort
30-yr
Term
w/Min
Pmt/
Neg
Am
40/30 ARM Interest Only
LTV / LOAN AMOUNT
Combinations tied to different scores
PRODUC T OPTIONS
CLTV DTI LTV / LOAN AMOUNT
MTG
LATES
#
UNITS
PROGRAM
NAME
Type I E A 45
I=Income
V=Verified S=Stated
DOCUMENTATION
O
V
N
P
R
C
OCC PURP
E=Employment
A=Assets 45=4506
817-799-0804
www.gatewayae.com
Approval req. for DTI > 45
Approval req. for DTI > 45
Approval req. for DTI > 45
Approval req. for DTI > 45
Approval req. for DTI > 45
COMMENTS
GotMortgage.com
CA CO HI NE OR TX
AgencyFixed Full V V V Y O PR 1 660 95/417 0/12 95 NA
AgencyFixed Full V V V Y V C 1 620 75/417 0/12 75 NA
AgencyFixed Full V V V Y V PR 1 720 90/417 620 80/417 0/12 90 NA
DURefiPlus Full V V V Y OVN R 1 620 125/417 0/12 NA
AgencyFixed Full V V V Y N R 1-4 620 75/801 0/12 75 NA
AgencyFixed Full V V V Y O PR 2 620 80/533 0/12 80 NA
AgencyJumbo Full V V V Y V PR 1 620 70/729 0/12 70 NA
HomePath Full V V V Y OVN P 1-4 660 97/417 620 80/417 0/12 97 NA
Browse our site and see why our quality of business and high service standards set us apart in the mortgage community. www.gotmortgage.com
N
N
N
N
N
N
N
N
714-241-4540 x1200
www.gotmortgage.com
N DU Eligible
N DU Eligible
N DU Eligible
N DU Eligible
N DU Eligible
N DU Eligible
N County limits apply
N
iApprove Lending
CA
Agency Full V V V Y O P 1 620 95/417 50 95 NA B
Agency Full V V V Y V P 1 620 90/417 50 90 NA B
Agency Full V V V Y N P 1 620 80/417 50 80 NA B
Agency Full V V V Y O P 2 620 80/533 50 80 NA B
Agency Full V V V Y O P 3-4 620 75/801 50 75 NA B
Agency Full V V V Y N P 2-4 620 75/801 50 75 NA B
Agency Full V V V Y O R 1 620 95/417 50 95 NA B
Agency Full V V V Y V R 1 620 90/417 50 90 NA B
Agency Full V V V Y N R 1-4 620 75/801 50 75 NA B
Agency Full V V V Y O R 2 620 80/533 50 80 NA B
Agency Full V V V Y O R 3-4 620 75/801 50 75 NA B
Agency Full V V V Y O C 1 700 85/417 50 85 NA B
Agency Full V V V Y VN C 1 720 75/417 50 75 NA B
Agency Full V V V Y O C 2-4 700 75/801 50 75 NA B
HighBalance Full V V V Y O PR 1 660 90/625 80/729 50 90 NA F
HighBalance Full V V V Y O PR 2-4 740 75/1403 50 75 NA B
HighBalance Full V V V Y VN PR 1 740 65/729 50 65 NA F
HighBalance Full V V V Y N PR 2-4 740 65/1403 50 65 NA B
HighBalance Full V V V Y O C 1 740 65/729 75/625 50 75 NA F
HighBalance Full V V V Y O C 1 740 60/729 50 60 NA A
Jumbo Full V V V Y O PR 1 720 80/1000 75/1500 70/2000 40 NA
Jumbo Full V V V Y O C 1 740 60/1000 55/1500 50/2000 40 NA
California wholesale lender. LTV > 80% lowers DTI to 41% and requires MI. Visit www.iapprovelending.com to get your broker application and submission forms.
0/12
0/12
0/12
0/12
0/12
0/12
0/12
0/12
0/12
0/12
0/12
0/12
0/12
0/12
0/12
0/12
0/12
0/12
0/12
0/12
N
N
N
N
N
N
N
N
N
N
N
N
N
N
N
N
N
N
N
N
N
N
714-775-5353
www.iapprovelending.com
N LTV > 80% req. 660 score w/ MI
N LTV > 80% req. 660 score w/ MI
N
N
N
N
N
N
N
N
N
N
N
N
N LTV > 75% req. 700 score
N
N
N
N
N
N
N Max. cash-out is $100K
LTV > 80% req. 660 score w/ MI
LTV > 80% req. 660 score w/ MI
ICON Residential Lenders
NATIONWIDE except: AK
display
AgencyConf Full V V V Y O PR 1 620 95/417 0/12 95 NA B N
AgencyConf Full V V V Y OV PR 1 720 70/417 0/12 0 10 A N
AgencyConf Full V V V Y O PR 2 620 80/533 0/12 80 NA B N
AgencyConf Full V V V Y O PR 3-4 620 75/801 0/12 75 NA B N
AgencyConf Full V V V Y O C 1 720 85/417 0/12 80 NA B N
AgencyConf Full V V V Y O C 2-4 620 75/801 0/12 75 NA B N
AgencyConf Full V V V Y N P 1 620 80/417 0/12 80 NA B N
AgencyConf Full V V V Y N PR 2-4 620 75/801 0/12 75 NA B N
AgencyConf Full V V V Y N C 1 620 75/417 0/12 75 NA B N
AgencyHB Full V V V Y O PR 1 720 90/625 0/12 90 NA F N
AgencyHB Full V V V Y OV PR 1 720 70/625 0/12 0 10 A N
AgencyHB Full V V V Y O C 1 740 60/625 0/12 60 NA B N
Foreign nationals and manufactured homes ineligible for all products. Subject to county limits and maximum loan amount for number of units. Refer to www.iconwholesale.com.
888-247-6427
www.iconwholesale.com
N DU Eligible
N DU Eligible
N DU Eligible
N DU Eligible
N DU Eligible
N DU Eligible
N DU Eligible
N DU Eligible
N DU Eligible
N DU Eligible; Subject to county
N DU Eligible; Subject to county
N DU Eligible; Subject to county
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.
