Please consult the Prime Niches matrix for general program/product information or unusual property/loan characteristics.
Note: 2012 Fannie Mae/Freddie Mac loan limits: 1 unit = $417,000; 2 = $533,850; 3 = $645,300; 4 = $801,950
(AK, Guam, HI & U.S. Virgin Islands = 150% higher)
All parameters on each line are used in combination
with one another — each line represents a specific
loan scenario or credit grade
PROGRAM
NAME
Type I E A 45
%/$K
360 Mortgage Group LLC
AZ CA CO GA IA ID IL IN KS KY MN MO NC NM OK OR
TN TX UT WA WY
%/$K %/$K %/$K %/$K FICO
Ratio
%
Mtg
Lates
30s
in the
Last
Mo
to
%
IO
Period
Yrs
Fixed,
ARM,
Both
F/A/B
40-yr
Amort
30-yr
Term
w/Min
Pmt/
Neg
Am
40/30 ARM Interest Only
LTV / LOAN AMOUN T
Combinations tied to different scores
PRODUC T OPTIONS
CLTV DTI LTV / LOAN AMOUNT
M TG
LATES
display
AgencyConf Full V V V Y O PR 1 620 95/417 45 0/12 95 NA F
AgencyConf Full V V V Y O PR 2 620 80/533 45 0/12 80 NA F
AgencyConf Full V V V Y N PR 1 620 80/417 45 0/12 85 NA F
AgencyConf Full V V V Y N PR 2-4 620 75/801 45 0/12 75 NA F
AgencyC/O Full V V V Y O C 1 620 80/417 45 0/12 80 NA F
AgencyC/O Full V V V Y VN C 1 620 75/417 45 0/12 75 NA F
AgencyC/O Full V V V Y O C 2 620 75/533 45 0/12 75 NA F
AgencyC/O Full V V V Y N C 2 620 70/533 45 0/12 70 NA F
Conv ARMs require 2 mos. PI TI in reserves. Interest-only ARMs must have 24 mos. reserves and qualify at PITI. TX(a)( 6) loan not eligible on C/O ARMs.
N
N
N
N
N
N
N
N
866-418-2997
www.360mortgage.com
N DU approve/eligible
N DU approve/eligible
N DU approve/eligible
N DU approve/eligible
N DU approve/eligible
N DU approve/eligible
N DU approve/eligible
N DU approve/eligible
COMMENTS
display
Affordable Home Loans
CO ID NV UT WY
AgencyFixed Full V V V Y O P 1 660 95/417
41 0/12 95 NA
41 0/12 95 NA
50 0/12 80 NA
50 0/12 80 NA
50 0/12 80 NA
50 0/12 80 NA
50 0/12 75 NA
N
N
N
N
N
N
N
801-565-9300
www.affordableteam.com
N DTI to 45% with 740 score
N DTI to 45% with 740 score
N info@affordableteam.com
N info@affordableteam.com
N info@affordableteam.com
N info@affordableteam.com
N info@affordableteam.com
BofI Federal Bank 888-410-3522 www.bofifederalbank.com
display
Portfolio ARM Full V V V Y O P 1-4 680 70/1000 680 40 5 A N N Condo max 60% LTV
Portfolio ARM Full V V V Y V P 1-4 680 60/1000 680 40 5 A N N LTV 5% less in AZ, FL
Portfolio ARM Full V V V Y O RC 1-4 680 65/1000 680 40 5 A N N C/O max 15% of loan amt
Portfolio ARM Full V V V Y V RC 1-4 680 55/1000 680 40 5 A N N C/O max 15% of loan amt
Portfolio ARM Full V V V Y N PR 1 720 50/1000 40 5 A N N C/O max 15% of loan amt
Portfolio ARM Full V V V Y N PR 2-4 720 40/1000 40 5 A N N C/O max 15% of loan amt
We offer jumbo and super-jumbo lending up to $10M. 30 yr. fixed-rate product. Also see our Prime Niches matrix. Get your broker or correspondent package and current rate sheet at www.bofifederalbank.com.
65/2000
55/2000
60/2000
50/2000
60/3000
50/3000
55/3000
45/3000
NATIONWIDE
55/5000
45/5000
50/5000
40/5000
display
Carrington Mortgage Services LLC
AgencyConf Full V V V Y O PR 1 620 95/417
AgencyConf Full V V V Y O PR 2 620 80/533
display
AgencyConf Full V V V Y O PR 3-4 620 75/801
AgencyConf Full V V V Y O C 1 620 85/417
AgencyConf Full V V V Y O C 2-4 620 75/801
AgencyConf Full V V V Y N P 1 620 85/417
AgencyHiBal Full V V V Y O P 1 700 90/625
AgencyHiBal Full V V V Y O R 2-4 740 75/1202
Also available: LP Blended Ratios, LP Super Conf. 75% C/O. Homepath, DU Refi Plus and Super Jumbo.
NATIONWIDEexcept: AK AL AR DE HI IL IN LA MA MO ND
NH NY OH OK RI SC UT VT
50 0/12 N
50 0/12 N
50 0/12 N
50 0/12 N
50 0/12 N
50 0/12 N
50 0/12 N
50 0/12 N
95 NA B
80 NA B
75 NA B
85 NA B
75 NA B
85 NA B
90 NA B
75 NA B
N
N
N
N
N
N
N
N
866-463-2400
www.carringtonwholesale.com
DU approve/eligible
DU approve/eligible
DU approve/eligible
DU approve/eligible
DU approve/eligible
DU approve/eligible
DU approve/eligible
DU approve/eligible
display
FPF Wholesale
2000 & 2300
2000 & 2300
2000 & 2300
2000 & 2300
2000 & 2300
2000 & 2300
2000 & 2300
2000 & 2300
2089 DU Refi+
2091 High Bal
Full
Full
Full
Full
Full
Full
Full
Full
Full
Full
VVVY O PR 1 620
95/417
80/534
75/801
90/417
80/417
75/801
85/417
75/801
105/801
90/625
NATIONWIDEexcept: AK HI MI MO MS ND NY OH
50 0/12 95 10 B N
50 0/12 80 NA B N
50 0/12 75 NA B N
50 0/12 90 NA N
50 0/12 80 NA N
50 0/12 75 NA N
50 0/12 85 NA N
50 0/12 75 NA N
50 0/12 NA N
660 75/625 50 0/12 90 NA N
620 80/417
www.FollowFPF.com
N PIW 80%; I/O ARM 70% 720 score
N PI W to 80%; DU Approve/Elig.
N PI W to 80%; DU Approve/Elig.
N Portfolio for 5-10 financed
N Portfolio for 5-10 financed
N Portfolio for 5-10 financed
N 6 mo seasoning
N 6 mo seasoning
N DU Refi Plus Approve/Elig only
N FNMA limits
FPF Wholesale continued
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.
