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 = $801,950
(AK, Guam, HI & U.S. Virgin Islands = 150% higher)
All parameters on each line are used in
combination with one another — each line
represents a specific loan scenario or credit grade
NATIONWIDE except: CT DE HI IN MA ME MO MT ND NH
NJ NM NY OH OK PA RI SD UT VT WY
888-755-3071
www.ImpacWholesale.com
FannieConf Full V V V Y O PR 2 620 80/533 50 0/12 80 NA B N N DUApprove
FannieConf Full V V V Y O PR 1 620 97/417 50 0/12 97 NA B N N DUApprove
FannieConf Full V V V Y O PR 3-4 620 75/801 50 0/12 75 NA B N N DUApprove
FannieConf Full V V V Y O C 1 620 80/417 50 0/12 85 NA B N N DUApprove
FannieConf Full V V V Y O C 2-4 620 75/801 50 0/12 75 NA B N N DUApprove
FannieConf Full V V V Y V PR 1 620 90/417 50 0/12 90 NA B N N DUApprove
FannieConf Full V V V Y V C 1 620 75/417 50 0/12 75 NA B N N DUApprove
FannieConf Full V V V Y N P 1 620 80/417 50 0/12 85 NA B N N DUApprove
FannieConf Full V V V Y N PR 2-4 620 75/801 50 0/12 75 NA B N N DUApprove
FannieConf Full V V V Y N C 2-4 620 75/801 50 0/12 75 NA B N N DUApprove
Fannie Hi Bal Full V V V Y O P 1 720 90/729 50 0/12 90 NA B N N DU Approve, Subject to county
Fannie Hi Bal Full V V V Y O P 1 660 75/729 50 0/12 75 NA B N N DU Approve, Subject to county
Fannie Hi Bal Full V V V Y O P 2-4 740 75/1203 50 0/12 75 NA F N N DU Approve, Subject to county
FannieIO Full V V V Y O PR 1 720 70/417 50 0/12 70 10 B N N DUApprove
Conv Jumbo Full V V V Y O P 1-2 700 80/1000 45 0/12 80 NA B N N DU required for fraud alerts
Conv Jumbo Full V V V Y O P 1-2 720 80/2000 45 0/12 80 NA B N N DU required for fraud alerts
Freddie Super Full V V V Y O P 1 620 90/729 50 0/12 90 NA B N N LP Accept Subject to county
Freddie Super Full V V V Y O C 1 620 65/729 50 0/12 90 NA B N N LP Accept Subject to county
Visit www.Impac Wholesale.com for products, pricing and more! Use our iPrice tool to price over 60 products instantly, no approval needed. 24-48 hour underwriting times. LTVs > 80% subject to MI-provider restrictions.
O
V
N
P
R
C %/$K %/$K %/$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
COMMENTS
CLTV
OCC PURP
DTI LTV / LOAN AMOUNT
MTG
LATES
Type I E A 45
I=Income
V=Verified S=Stated
DOCUMENTATION
E=Employment
A=Assets 45=4506
Impac Mortgage - Wholesale Lending
FICO
#
UNITS
PROGRAM
NAME
JMAC Lending Inc.
714-841-0776
www.jmaclending.com
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
AZ CA ID NV OR UT WA
display
Kinecta Federal Credit Union
display
Agency Fixed
Agency Fixed
Agency Fixed
Agency Fixed
Agency Fixed
Agency Fixed
Agency
Agency
Agency
Super Conform
Super Conform
Super Conform
Super Conform
Full
Full
Full
Full
Full
Full
Full
Full
Full
Full
Full
Full
Full
VVVY O PR 1 680
97/417
90/417
75/801
80/417
75/801
70/801
80/417
80/533
75/417
90/729
75/729
65/729
75/1403
NATIONWIDE except: AK AL AR HI IA KY LA MS NM TX WY
95 NA F N N
90 NA F N N
75 NA F N N
85 NA F N N
75 NA F N N
70 NA F N N
85 NA B N N
80 NA B N N
75 NA B N N
700 80/729 45 NA F N N
45 75 NA F N N
45 65 NA B N N
45 75 NA B N N
800-854-4600
www.loankinection.com
FL condo LTV per FNMA; DU
DU approve/eligible
DU approve/eligible
DU approve/eligible
DU approve/eligible
DU approve/eligible
DU approve/eligible
DU approve/eligible
DU approve/eligible
DU approve/eligible
DU approve/eligible
DU approve/eligible
DU approve/eligible
Kinecta Federal Credit Union continued
display
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.
