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
Type I E A 45
I=Income
V=Verified S=Stated
DOCUMENTATION
Gateway Mortgage Group AL AR CA CO FL IA KS LA MD MI MO MS NE NM OK SC TN TX UT VA WV WY 817-799-0804 www.gatewayae.com
FHA Full V V V Y O P 1-4 620 96.5/801 55 2 1 3 1 B FICO < 640 req. approval
FHA Full V V V Y O R 1-4 620 97.7/801 55 2 1 3 1 B DTI > 45 DU Approve
FHA Full V V V Y O C 1-4 620 85/801 55 2 1 3 1 B Countylimitsapply
VA Full V V V Y O P 1 620 100/417 55 2 1 3 1 B Countylimitsapply
VA Full V V V Y O C 1 620 90/417 55 2 1 3 1 B DTI > 45 DU Approve
USDA Full V V V Y O P 1 620 100/417 55 2 1 3 1 B FICO < 640 req. approval
Min. FICO 620, max. DTI 55, F THBs, DPAs, $100 down HUD homes, HVCC transfers, near miss files considered, we love our brokers, 24-/48-hour turn times; scenarios@gatewayae.com
FICO %/$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
O
V
N
P
R
C
OCC PURP
#
UNITS COMMENTS
LTV / LOAN AMOUNT COMBINATIONS
CLTV
F/A/B
DTI
MTG
LATES
BANKRUPTCy/
FORECLOSURE
MTG
INSURANCE
PROGRAM
NAME
iApprove Lending
CA
FHA Full V V V Y O
FHA Full V V V Y O
FHA Full V V V Y O
FHA Full V V V Y O
FHA Full V V V Y O
FHA Full V V V Y O
FHA203(k) Full V V V Y O
FHAHB Full V V V Y O
Pricing and service are our strengths.
P1
P1
P 2-4
R1
R 2-4
C1
P1
PR 1-4
620 96.5/417
640 96.5/417
640 96.5/801
640 97.75/417
640 97.75/801
640 85/417
640 96.5/417
640 96.5/1403
43 96.5 0/12 2 1 3
55 96.5 0/12 2 1 3
55 96.5 0/12 2 1 3
55 97.7 0/12 2 1 3
55 97.7 0/12 2 1 3
55 85 0/12 2 1 3
55 100 0/12 2 1 3
55 96.5 0/12 2 1 3
714-775-5353
www.iapprovelending.com
B County limits apply
B County limits apply
B County limits apply
B County limits apply
B County limits apply
B County limits apply
B County limits apply
B County limits apply
ICON Residential Lenders
NATIONWIDE except: AK
display
FHA Full V V V Y O P 1-4 640 96.5/417 96.5/801 105 1/12 2 1 3 1.00 0
FHA Full V V V Y O R 1-4 640 97.75/41797.75/801 97.7 1/12 2 1 3 1.00 0
FHA Full V V V Y O C 1-4 640 85/417 85/801 85 0/12 2 1 3 1.00 0
Streamline NoRatio N V V Y O R 1 640 97.75/417 100 0/12 1.00 0
*Streamline NoRatio N V V Y OVN R 1 640 100/417 100 0/12 1.00 0
FHA Full V V V Y O P 1-4 640 96.5/62596.5/1202 96.5 1/12 3 1 3 1.00 0
FHA Full V V V Y O R 1-4 64097.75/62597.75/1202 97.7 1/12 3 1 3 1.00 0
FHA Full V V V Y O C 1-4 660 85/625 85/1202 85 0/12 3 1 3 1.00 0
Streamline NoRatio N V V Y O R 1 640 97.75/625 97.7 0/12 1.00 0
*Streamline NoRatio N V V Y OVN R 1 640 100/625 100 0/12 1.00 0
VA Full V V V Y O P 1-4 640 100/417 100/801 100 1/12 2 1 2
VA Full V V V Y O R 1-4 640 90/417 90/801 90 1/12 2 1 2
VA Full V V V Y O C 1-4 640 90/417 90/801 90 1/12 2 1 2
VA Full V V V Y O P 1-4 640 100/729 100/1000 100 0/12 2 1 7
VA Full V V V Y O R 1-4 640 90/729 90/1000 90 0/12 2 1 7
VA Full V V V Y O C 1-4 640 90/729 90/1000 100 0/12 2 1 7
VAIRRRL NoRatio N V V ON R 1-4 640 100/417 100/801 100 0/12 2 1 2
VAIRRRL NoRatio N V V ON R 1-4 640 100/729 100/1000 100 0/12 2 1 7
Subject to county limits and maximum loan amount for number of units. *Streamline without an appraisal. Refer to www.iconwholesale.com.
888-247-6427
www.iconwholesale.com
F DU eligible
F DU eligible
F DU eligible
F Manual U W
F Manual U W
F DU eligible
F DU eligible
F DU eligible
F Manual UW
F Manual UW
F DU approve/eligible
F DU approve/eligible
F DU approve/eligible
F DU approve/eligible
F DU approve/eligible
F DU approve/eligible
F DU approve/eligible
F DU approve/eligible
display
Impac Mortgage - Wholesale Lending NATIONWIDEexcept: CT DE HI IN MA ME MO MT ND NH NJ NM NY OH OK PA RI 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 DU Approve, Subject to county
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 available only in ID, OR, WA. 24-48 hour underwriting times.
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.
