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
OCC PURP
FICO %/$K %/$K %/$K FICO UNITS LTV / LOAN AMOUNT COMBINATIONS
E=Employment
A=Assets 45=4506
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
CLTV
F/A/B
M TG
LATES
BANKRUPTCy/
FORECLOSURE
M TG
INSURANCE
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
COMMENTS
FPF Wholesale
NATIONWIDE except: AK HI LA MI MO MS ND NY OH www.FollowFPF.com
4000/4090 FHA Full V V V Y O P 1-4 640 96.5/1202 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 97.75/1202 50 97.7 0/12 3 5 1.00 0 B County limits apply
display
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 85/800 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; 660 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 PR 1 640 100/417 41 100 0/12 3 1 3 2.0 0 F Annualfee0.30%
4010-00 FHA Full V V V Y O PR 1-4 620 96.5/801 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
display
Gateway Mortgage Group AL AR CA CO FL IA KS LA MD MI MO MS NE NM OK SC TN TX UT VA WV WY 817-799-0804 www.gatewayae.com
FHA Full V V V Y O P 1-4 620 96.5/801 55 2 1 3 1 B FICO < 640 req. approval
FHA Full V V V Y O R 1-4 620 97.7/801 55 2 1 3 1 B DTI > 45 DU Approve
FHA Full V V V Y O C 1-4 620 85/801 55 2 1 3 1 B Countylimitsapply
VA Full V V V Y O P 1 620 100/417 55 2 1 3 1 B Countylimitsapply
VA Full V V V Y O C 1 620 90/417 55 2 1 3 1 B DTI > 45 DU Approve
USDA Full V V V Y O P 1 620 100/417 55 2 1 3 1 B FICO < 640 req. approval
Min. FICO 620, max. DTI 55, F THBs, DPAs, $100 down HUD homes, HVCC transfers, near miss files considered, we love our brokers, 24-/48-hour turn times; scenarios@gatewayae.com
GotMortgage.com
CA NE OR
FHA Full V V V Y O P 1-4 580 96.5/729 45 2 1 3
FHA203(k) Full V V V Y O P 1-2 620 96.5/729 45 100 0/24 3 3
FHA203(k) Full V V V Y O P 3-4 680 96.5/729 31 100 0/24 3 3
FHA Full V V V Y O R 1-4 580 97.75/729 45 2 1 3
FHA Full V V V Y O C 1-4 580 85/729 45 2 1 3
VA Full V V V Y O P 1-4 620 100 41
VA Full V V V Y O C 1-4 620 90 41
Browse our site and see why our quality of business and high service standards set us apart in the mortgage community. www.gotmortgage.com
714-241-4540 x1200
www.gotmortgage.com
B County limits apply
3 months reserves required
B County limits apply
B County limits apply
B County limits apply
B County limits apply
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
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.
