Scotsman Guide - February 2012 Residential Edition

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

United Wholesale Mortgage

NATIONWIDE except: AK HI NY
FHAPurchase Full V V V Y O P 1-4 640 97/417 43 100 0/12 2 1 3 2.25 0

FHARefi Full V V V Y O RC 1-4 640 97/417 43 100 0/12 2 1 3 2.25 0

FHAJumbo Full V V V Y O PR 1-2 660 97/934 43 100 0/12 2 1 3 2.25 0

FHAJumboC/O Full V V V Y O C 1-2 660 85/729 43 100 0/12 2 1 3 2.25 0

FHA$100Down Full V V V Y O P 1-4 640 99/417 43 100 0/12 2 1 3 2.25 0

FHA3/1ARM Full V V V Y O PRC 1-4 640 97/417 43 100 0/12 2 1 3 2.25 0

FHA5/1ARM Full V V V Y O PRC 1-4 640 97/417 43 100 0/12 2 1 3 2.25 0

Streamline Full V V V Y O R 1-4 640 97/417 55 105 0/12 2 1 3 2.25 0

Manufactured Full V V V Y O PRC 1 700 85/417 43 85 0/12 2 1 3 2.25 0

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F Manufactured homes 1990+

COMMENTS

USA Direct Funding

CA ID OR WA

55 100

55 97.75

55 85

50 115

55 100

55 90

55

Tell lenders you found them in Scotsman Guide FHA Full V V V Y O P 1-4 640 96.5/973

FHA Full V V V Y O R 1-4 640 97.75/973

FHA Full V V V Y O C 1-4 640 85/973

FHAStream Full V V V Y O R 1-4 680 115/973

VA Full V V V Y O P 1-4 640 100/417

VA Full V V V Y O RC 1-4 640 90/417

USDA Full V V V Y O P 1 660 102

USDAStream Full V V V Y O R 1 660 101

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2 2 3 1 1.1 B

2241.4 B

224.75 B

333 . 3 F

888-697-3860 www.usadirectfunding.com FHA county limits apply FHA county limits apply FHA county limits apply If no appraisal; AVM required Loan amount/fee will vary Loan amount/fee will vary Exceptions to 640 allowed Exceptions to 640 allowed

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.