« matrix: prime niches »
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This matrix should be used to
find general program information/
product types, unusual property or
loan characteristics. Please consult
the Prime 1st Mortgages matrix for
detailed program criteria.
1 Acreage: Max acres on res. property (U=Unlimited)
2 Condo: Non-Fannie Mae/Freddie Mac warrantable
3 Condo: With only 2-3 units
4 Condotels at resort destinations
6 Dome homes
7 Land: Purchase of subdivided lot
8 Land: Purchase of undeveloped raw land
9 Log homes
10 Manufactured home (post-1976)
11 Second dwelling on single tax lot
12 Zoning: Non-owner < 5 units: Zoned other than residential
13 Aliens/foreign nationals: No green
card, second home
14 Aliens/foreign nationals: No green card,
No-income verifier loans available
16 Corps., trusts, partnerships and LLCs
17 Minimum loan amount
18 Non-owner: More than 10 financed prop-
erties allowed regardless of loan amount
19 Ratio: Combined ratios are allowed
with non-occupant co-borrower
20 Remodel: Conventional at after-
13 14 15 16 17 18 19 20
PROGRAMS AND OPTIONS
21 Bridge loans
22 Freddie Mac: Loan Prospector (LP)
23 Freddie Mac: Affordable Gold
24 Fannie Mae: Desktop Originator (DO)
25 Fannie Mae: MyCommunityMortgage
26 Fannie Mae: Desktop Underwriter (DU)
27 Govt.: FHA Direct Endorsement
28 Govt.: VA
29 Lock: Longest lock available (number of days)
30 Lock without property address
31 Pledged asset option
32 Reverse mortgages
33 Tenants-in-common ( TIC)
34 Rural property/part-time farm
21 22 23 24 25 26 27 28 29 30 31 32 33 34
360 Mortgage Group LLC
AZ CA CO GA ID IL IN KS KY LA MI MN MO NC NM OH OK OR TN TX UT WA WY
Affordable Home Loans
CO ID NV UT WY
Each situation is unique and we know it. Send us yours: email@example.com.
NATIONWIDEexcept: AK FL KS KY LA MO NJ NY OH OK WV Wespecialize in purchase transactions, with on-time closing guarantees!
BofI Federal Bank
Y 300K Y Y
Asset-depletion underwriting for income qualification. Pledged-asset and Foreign Nationals program.
Carrington Mortgage Services LLC
NATIONWIDEexcept: AK AL AR DE HI IL IN LA MA MO ND NH NY OH OK RI SC UT VT
NATIONWIDEexcept: AK HI MI MO MS ND NY OH
LTV > 80% subject to MI-provider guidelines; Jumbo product available; contact branch for details.
Gateway Mortgage Group
AL AR CA FL IA IN KS LA MD MI MO MS NE NM NV OK SC TN TX UT VA WV WY 24-hour UW, submit to close on your 12-day lock, HVCC Transfers,
Max DTI 50, 2075/PI W per DU,LPMI, Min. FICO 640, Grant programs, firstname.lastname@example.org.
CA CO OR TX
Browse our site and see why our quality of business and high service standards set us apart in the mortgage community. www.gotmortgage.com
California wholesale lender. One-day reverse-mortgage underwriting. Visit www.iapprovelending.com for your broker application and submission forms.
ICON Residential Lenders
NATION WIDE except: AK
AZ CA ID NV UT WA
Rewarding clients with tier pricing incentives, up to -0.25, expedited services and complimentary extension for Premier Tier clients.
NATIONWIDEexcept: AK AL AR HI IA KY LA MS NM TX WY
One of the nation's leading federal credit unions offering competitive agency and portfolio programs
with attractive MI benefits. Now a HomePath lender for FNMA-owned properties.
New Penn Financial LLC
NATIONWIDEexcept: AK AZ HI KS MA MO NV UT WA WI
Y 100K Y
National mortgage banker specializing in non-agency loans. $100K to $2M. True portfolio programs.
Stearns Lending Inc.
NATION WIDE except: AK HI MI MO MS ND N Y OH > 80% LTV subject to MI-provider guidelines; jumbo products available; contact branch for details;
FNMA HomePath available to 97%; LPMI to 95%, conforming fixed, 680 FICO
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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: email@example.com.