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
Streamline NoRatio N V V Y O R 1-4 640 97.75/62597.75/1202 97.7 0/12 1.00 0 F
*Streamline NoRatio N V V Y OVN R 1-4 640 100/625 100/1202 100 0/12 1.00 0 F
VA Full V V V Y O P 1-4 640 100/417 100/801 100 1/12 2 1 2 B
VA Full V V V Y O R 1-4 640 90/417 90/801 90 1/12 2 1 2 B
VA Full V V V Y O C 1-4 640 90/417 90/801 90 1/12 2 1 2 B
VA Full V V V Y O P 1-4 640 100/729 100/1000 100 0/12 2 1 7 F
VA Full V V V Y O R 1-4 640 100/729 100/1000 100 0/12 2 1 7 F
VA Full V V V Y O C 1-4 640 90/729 90/1000 100 0/12 2 1 7 F
VAIRRRL NoRatio N V V ON R 1-4 640 100/417 100/801 100 0/12 2 1 2 B
VAIRRRL NoRatio N V V ON R 1-4 640 100/729 100/1000 100 0/12 2 1 7 B
Subject to county limits and maximum loan amount for number of units. *Streamline without an appraisal. Refer to www.iconwholesale.com.
FICO %/$K %/$K %/$K FICO
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 Type I E A 45
I=Income
E=Employment
A=Assets 45=4506
V=Verified S=Stated
DOCUMENTATION
PROGRAM
NAME
O
V
N
P
R
C
OCC PURP
#
UNITS
LTV / LOAN AMOUNT COMBINATIONS
CLTV
F/A/B
M TG
LATES
BANKRUPTCy/
FORECLOSURE
M TG
INSURANCE
COMMENTS
Manual UW
ICON Residential Lenders continued
DU approve/eligible
DU approve/eligible
DU approve/eligible
DU approve/eligible
DU approve/eligible
DU approve/eligible
DU approve/eligible
DU approve/eligible
cover
Impac Mortgage - Wholesale Lending NATIONWIDE except: AK CT DE IN MA ME MO MT ND NH NJ NM NY OH OK PA RI SC SD UT VT WY 888-795-4033 www.ImpacWholesale.com
FHA Full V V V Y O P 1-4 640 96.5/801 43 100 0/12 2 1 3 A DUApprove,Subjecttocounty
FHA Full V V V Y O P 1-4 620 96.5/801 43 100 0/12 2 1 3 F DUApprove,Subjecttocounty
FHA Hi Bal Full V V V Y O P 1-4 640 96.5/1403 43 100 0/12 2 1 3 A DU Approve, Subject to county
FHA Hi Bal Full V V V Y O R 1-4 640 97.75/1403 43 97.5 0/12 2 1 3 A DU Approve, Subject to county
FHA Hi Bal Full V V V Y O R 1-4 620 97.75/1403 43 100 0/12 2 1 3 F DU Approve, Subject to county
VA Full V V V Y O P 1-4 620 100/417 41 100 0/12 2 1 2 F DU/Approve/Eligible
VA Full V V V Y O C 1-4 620 90/417 41 90 0/12 2 1 2 F DUApprove/Eligible
VA Full V V V Y O P 1-4 640 100/417 41 100 0/12 2 1 2 A DU/Approve/Eligible
VA Full V V V Y O C 1-4 640 90/417 41 90 0/12 2 1 2 A DUApprove/Eligible
VAIRRRL Full V V V Y O R 1-4 620 100/417 41 100 0/12 2 1 2 F DUApprove/Eligiblew/appraisal
VAIRRRL Full V V V Y O R 1-4 640 100/417 41 100 0/12 2 1 2 A DUApprove/Eligiblew/appraisal
Website is www.Impac Wholesale.com. Use our iPrice tool to price over 60 products instantly, no approval needed. VA and VA IRRRL availabe only in ID, OR, WA. 24-48 hour underwriting times.
JMAC Lending Inc. AZ CA ID NV OR WA 714-841-0776 www.jmaclending.com
FHA30 Full V V V Y O R 1-4 640 97.75/417 97.75/967 55 0/12 2 1 3 1 B LA > $417K max DTI 50%
FHA30 Full V V V Y O C 1-4 640 85/417 85/625 55 0/12 2 1 3 1 B LA > $417K max DTI 50%
display
FHA30 Full V V V Y O P 1-4 640 96.5/417 96.5/967 55 0/12 2 1 3 1 B LA > $417K max DTI 50%
FHA15 Full V V V Y O P 1-4 640 96.5/417 55 0/12 2 1 3 1 F LA > $417K max DTI 50%
FHA15 Full V V V Y O R 1-4 640 97.75/417 55 0/12 2 1 3 1 F LA > $417K max DTI 50%
FHA15 Full V V V Y O C 1-4 640 85/417 55 0/12 2 1 3 1 F LA > $417K max DTI 50%
FHAS TR Full V V V Y ON R 1-4 640 97.75/417 97.75/800 0/12 2 1 3 1 B Still accepting HB LA > $417K
Come experience a simpler and faster approach to closing your FHA files. New Approved Accounts from Scotsman Guide will receive a one-time -0.25 incentive on your first submission. Visit www.jmaclending.com for more
information and rate sheets.
display
Kinecta Federal Credit Union
NATIONWIDE except: AK AL AR HI IA KY LA MS NM TX WY
FHA Full V V V Y O P 1-4 640 96.5/521 50 100 0/30 2 2 3 1.00 F
display
FHAHiBal Full V V V Y O P 1-4 640 96.5/1202 50 100 0/30 2 2 3 1.00 F
FHA Full V V V Y O R 1-4 640 97.75/521 50 97.75 0/30 2 2 3 1.00 F
FHAHiBal Full V V V Y O R 1-4 64097.75/1202 50 97.75 0/30 2 2 3 1.00 F
FHA Full V V V Y O C 1-4 640 85/521 50 85 0/30 2 2 3 1.00 F
FHAHiBal Full V V V Y O C 1-4 660 85/1202 50 85 0/30 2 2 3 1.00 F
County limits and state variances for income documentation apply. Streamline Refi 640 min FICO. No manuf. homes. 6 mo. seasoning req. applies.
800-854-4600
www.LoanKinection.com
97.5% w/MIP; loan limit varies
97.5% w/MIP; loan limit varies
98.75% w/MI; loan limit varies
98.75%w/MI; loan limit varies
MaxC/O 200K; loan limit varies
MaxC/O 200K; loan limit varies
display
New Penn Financial LLC
FHA
FHA
FHA
VA
VA Refinance
VA IRRL
Full
Full
Full
Full
Full
Full
VVVY O
VVVY O
VVVY O
VVVY O
VVVY O
VVVY O
P 1-4 640
96.5/801
97.7/801
85/801
100/417
90/417
100/417
NATIONWIDE except: AK AZ HI KS MA MO NV UT WA WI
50 96.5 1/12 2 1 3 1 B
52 97.7 1/12 2 1 3 1 B
52 85 1/12 2 1 3 1 B
660 52 100 1/24 2 1 2 B
660 52 90 1/24 2 1 2 B
660 52 115 1/24 2 1 2 B
100/801
90/801
90/801
866-886-9285
www.GoNewPenn.com
HUD limits apply
HUD limits apply
HUD limits apply
County loan limits apply
County loan limits apply
County loan 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.
