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
advertiser continued
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: $250K over FHA lmt; MI ins
Jumbo ARM Full V V V Y O PR 1-2 700 80/1000 720 75/2000 45 80 NA A N N State max loan amts. apply
Jumbo 30-yr. Full V V V Y O PR 1 720 75/2000 40 70 NA F N N State max loan amts. apply
Now a HomePath lender for FNMA-owned properties. Co-ops, manufactured homes and construction ineligible. See I/O, ARM, 5-10 properties, piggyback, portfolio lending and more at www.loankinection.com.
%/$K %/$K %/$K FICO
LTV / LOAN AMOUN T
Combinations tied to different scores
LTV / LOAN AMOUNT
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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
65/500
75/650
NATIONWIDEexcept: 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
640 60/500 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
Performance Home Loans 877-999-0799 www.phlwholesale.com
Conf. Agency Full V V V Y O PR 1 620 97/417 0/12 97 NA B N N DU Approve / Eligible
Conf. Agency Full V V V Y O C 1 620 85/417 0/12 85 NA B N N DU Approve / Eligible
Conf. Agency Full V V V Y V PR 1 620 90/417 0/12 90 NA B N N DU Approve / Eligible
Conf. Agency Full V V V Y N R 1-4 620 75/417 0/12 75 NA B N N DU Approve / Eligible
Conf High Bal Full V V V Y O P 1 700 90/625 660 75/625 0/12 90 NA B N N DU Approve / Eligible
Conf High Bal Full V V V Y VN PR 1-4 740 65/625 0/12 65 NA B N N DU Approve / Eligible
Homepath Full V V V Y O P 1 660 97/417 620 80/417 0/12 97 NA B N N DU Approve / Eligible
DURefiPlus Full V V V Y OVN R 1-4 620 105/801 0/12 105 NA B N N DUApprove/Eligible
Check our website at www.phlwholesale.com or contact us at wholesale@phlwholesale.com for any questions. We offer Conforming, FHA/VA, HomePath, Jumbo, DU RefiPlus, LPMI and 5-10 financed properties
AZ CA CO CT FL GA IL MA MD MN NC NV OR TN TX UT
VA WA WI
Stearns Lending Inc.
NATIONWIDEexcept: AK HI MI MO MS ND NY OH
display
2000&2300 Full V V V Y O PR 1 620 95/417 50 0/12 95 10 A N
2000&2300 Full V V V Y O PR 2 620 80/534 50 0/12 80 NA B N
2000&2300 Full V V V Y O PR 3-4 620 75/801 50 0/12 75 NA B N
2000&2300 Full V V V Y V PR 1 720 90/417 620 80/417 50 0/12 90 NA N
2000&2300 Full V V V Y N PR 1 620 80/417 50 0/12 80 NA N
2000&2300 Full V V V Y N PR 2-4 620 75/801 50 0/12 75 NA N
2000&2300 Full V V V Y O C 1 620 85/417 50 0/12 85 NA N
2000&2300 Full V V V Y OV C 2-4 620 75/801 50 0/12 75 NA N
2089DURefi+ Full V V V Y OVN R 1-4 620 105/801 50 0/12 NA N
2091HighBal Full V V V Y O P 1 700 90/625 660 75/625 50 0/12 90 NA N
2091HighBal Full V V V Y O PR 1 700 90/625 660 75/625 50 0/12 90 NA N
2091HighBal Full V V V Y O PR 2-4 740 75/1202 50 0/12 90 NA N
2091HighBal Full V V V Y V PR 1 740 65/625 50 0/12 65 NA N
2091HighBal Full V V V Y N PR 1 740 60/625 50 0/12 60 NA N
2091HighBal Full V V V Y O C 1 740 60/625 50 0/12 60 NA N
2099DURefi+ Full V V V Y O R 1 660 105/625 50 0/12 NA N
Jumbo3000-10 Full V V V Y O PRC 1-2 700 80/1000 720 80/2000 45 0/12 80 NA N
HomePath Full V V V Y O P 1 660 97/417 75/625 620 80/417 50 0/12 NA N
High LTV2059 Full V V V Y O PR 1 680 97/417 41 0/12 NA N
LTV > 80% subject to MI-provider restrictions; jumbo products available; contact your branch for details; LPMI offered to 95% with 680 score, conforming fixed rate
800-350-5363
www.stearnswholesale.com
N PIW to 80%, 720 score for I/O
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
N FNMA limits
N FNMA loan limits
N FNMA loan limits
N FNMA loan limits
N FNMA loan limits
N Perm loan limits Refi+
N Prior approval u/w req'd
N No appraisal or MI, NOO to 90%
N MI U W required
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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.
