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
#
UNITS
E=Employment
A=Assets 45=4506
%/$K
%/$K %/$K %/$K FICO
LTV / LOAN AMOUNT
%/$K
Ratio
%
JMAC Lending Inc.
AZ CA ID NV OR UT WA
714-841-0776
www.jmaclending.com
JMACConf Full V V V Y N C 1 620 75/417 45 0/12 75 0 B N N
JMACConf Full V V V Y O PR 1 680 95/417 45 0/12 95 10 B N N
HB-Conf Full V V V Y O PR 1 720 90/625 700 80/625 45 0/12 90 NA B N N
HB-Conf Full V V V Y O C 1 740 60/625 45 0/12 65 NA B N N
Subject to AUS approval
Subject to AUS approval
Subject to AUS approval
Max CO $417K
2 units at 70% max
Subject to AUS approval
Subject to AUS approval
Max LTV/CLTV by ZIP code
C/O limited to 65% LTV/CLTV
N/O/O limited to 65% LTV/CLTV
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Kinecta Federal Credit Union NATIONWIDE except: AK AL AR HI IA KY LA MS NM TX WY 800-854-4600 www.loankinection.com
Agency Fixed Full V V V Y O PR 1 680 97/417 95 NA F N N FL condoLTV per FNMA; DU appr.
AgencyFixed Full V V V Y V PR 1 620 90/417 90 NA F N N DUapprove/eligible
AgencyFixed Full V V V Y ON PR 3-4 620 75/801 75 NA F N N DUapprove/eligible
AgencyFixed Full V V V Y O C 1 620 80/417 85 NA F N N DUapprove/eligible
AgencyFixed Full V V V Y O C 2-4 620 75/801 75 NA F N N DUapprove/eligible
AgencyFixed Full V V V Y N C 2-4 620 70/801 70 NA F N N DUapprove/eligible
Agency Full V V V Y N PR 1 620 80/417 85 NA B N N DUapprove/eligible
Agency Full V V V Y O PR 2 620 80/533 80 NA B N N DUapprove/eligible
Agency Full V V V Y VN C 1 620 75/417 75 NA B N N DUapprove/eligible
SuperConform Full V V V Y O PR 1 700 90/729 700 80/729 45 NA F N N DUapprove/eligible
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SuperConform Full V V V Y O PR 1 660 75/729 45 75 NA F N N DUapprove/eligible
SuperConform Full V V V Y VN PR 1 740 65/729 45 65 NA B N N DUapprove/eligible
SuperConform Full V V V Y O PR 2-4 740 75/1403 45 75 NA B N N DUapprove/eligible
SuperConform Full V V V Y O C 1 740 60/729 45 60 NA B N N DUapprove/eligible
Agency ARM Full V V V Y O PR 1 680 97/417 620 80/417 45 97 NA A N N DU approve/eligible with MI
AgencyARM Full V V V Y O PR 3-4 620 75/801 45 75 NA A N N DUapprove/eligible
Agency ARM Full V V V Y V PR 1 620 90/417 45 90 NA A N N DU approve/eligible with MI
AgencyARM Full V V V Y V PR 1 620 80/417 45 80 NA A N N DUapprove/eligible
AgencyARM Full V V V Y O C 2-4 620 75/801 45 75 NA A N N DUapprove/eligible
Jumbo ARM Full V V V Y O PR 1 760 90/875 45 90 NA A N N Amt:$250K over FHA lmt; MI ins
Jumbo ARM Full V V V Y O PR 1-2 700 80/1000 720 75/2000 45 80 NA A N N State max loan amts. apply
Jumbo 30-yr. Full V V V Y O PR 1 720 75/2000 40 70 NA F N N State max loan amts. apply
Now a HomePath lender for FNMA-owned properties. Co-ops, manufactured homes and construction ineligible. See I/O, ARM, 5-10 properties, piggyback, portfolio lending and more at www.loankinection.com.
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New Penn Financial LLC
Non Agency
Non Agency
Non Agency
Non Agency
Non Agency
Non Agency
Non Agency
Non Agency
Full
Full
Full
Full
Full
Full
Full
Full
V V V Y O PR 1-4 740
85/1000
75/1000
80/1500
65/2000
65/500
50/650
65/1500
80/650
640 60/500
65/500
75/650
NATIONWIDE except: AK AZ HI KS MA MO NV UT WA WI
720 80/1000 45 0/24 10 B N N
45 0/24 10 B N N
700 75/1500 45 0/24 10 B N N
45 0/24 10 B N N
45 0/24 10 B N N
45 0/24 10 B N N
680 70/650 45 0/24 10 B N N
740 45 0/24 10 B N N
70/1000
85/650
866-886-9285
www.GoNewPenn.com
DTI available up to 58%; No MI
DTI available up to 58%
DTI available up to 58%
DTI available up to 58%
LTV range from 50%-65%
LTV range from 50%-65%
DTI available up to 58%
DTI available up to 58%; No MI
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.
