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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
E=Employment
A=Assets 45=4506
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
50 96.5 2 1 3 1 F
50 97.7 2 1 3 1 F
50 85 2 1 3 1 F
0 125 2 1 3 1 F
41 96.5 2 1 3 1 A
41 96.5 2 1 3 1 F
50 100 2 1 3 F
50 90 2 1 3 F
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 UNI TS LTV / LOAN AMOUNT COMBINATIONS
CLTV
F/A/B
MTG
LATES
BANKRUPTCy/
FORECLOSURE
MTG
INSURANCE
FHA Full V V V Y O P 1-4
FHARATE-TERM Full V V V Y O R 1-4
FHAC/O Full V V V Y O R 1-4
display
STREAMLINE NoRatio N V V Y ON R 1-4
FHAARM Full V V V Y O PR 1
FHAHIGHBAL Full V V V Y O PR 1
VA Full V V V Y O P 1
VA Full V V V Y O RC 1
FHA county limits apply to maximum mortgage amounts.
640 96.5/801
640 97.75/801
640 85/801
640 97.75/801
660 96.5/417
680 96.5/729
640 100/417
640 90/417
0/12
0/12
0/12
0/12
0/12
0/12
0/12
0/12
866-418-2997
www.360mortgage.com
No manufactured
No manufactured
No manufactured
W/w/o appraisal, mtg. cr. only
3-1 or 5-1 - no manual UW
DU only - no manual UW
COMMENTS
display
Max CLTV on refis 90%
American Financial Resources Inc.
866-656-9728
www.afrwholesale.com
NATIONWIDE
FHAPortfolio Full V V V Y O P 1-2 600 96.5/533 45 96.5 1 B
FHAPortfolio Full V V V Y O R 1-2 600 97.75/533 45 97.7 1 B
FHAPortfolio Full V V V Y O C 1-2 600 85/533 45 85 1 B
FHAPortfolio Full V V V Y O P 1-2 600 96.5/533 45 96.5 1 B
FHAPortfolio Full V V V Y O R 1-2 600 97.75/533 45 97.7 1 B
FHAPortfolio Full V V V Y O C 1-2 600 85/533 45 85 1 B
FHAStandard Full V V V Y O P 1-4 620 96.5/1403 50 96.5 1 B
FHAStandard Full V V V Y O R 1-4 620 97.7/1403 50 97.7 1 B
FHAStandard Full V V V Y O C 1-4 620 85/1403 50 85 1 B
FHAPremium Full V V V Y O P 1-4 660 96.5/1403 50 96.5 1 B
FHAPremium Full V V V Y O R 1-4 660 97.7/1403 50 97.7 1 B
FHAPremium Full V V V Y O C 1-4 660 85/1403 50 85 1 B
FHA203K(s) Full V V V Y O R 1-4 600 97.7/729 49 97.7 1 B
FHA203K(s) Full V V V Y O P 1-4 600 96.5/729 49 96.5 1 B
USDAGRH Full V V V Y O P 1 620 103.5/417 49 103.5 F
USDAGRH Full V V V Y O R 1-4 620 103/417 49 103.5 F
AFR Wholesale is a nationwide residential lender specializing in manually under written FHA loans. HUD/FHA approval is not required. Manufactured homes min. FICO is 620. No cash-out refinances in TX
No cash-out refinance in TX
No cash-out refinance in TX
FHA units/county limits apply
FHA units/county limits apply
FHA units/county limits apply
Manufactured housing programs
FHA units/county limits apply
FHA units/county limits apply
Rehab/repair costs up to $35K
Rehab/repair costs up to $35K
USDA Guaranteed Rural Housing
Carrington Mortgage Services LLC
FHAPortfolio Full V V V Y O P 1 600 96.5/417
FHAPortfolio Full V V V Y O R 1 600 97.75/417
display
FHAStandard Full V V V Y O P 1-4 640 96.5/801
FHAStandard Full V V V Y O R 1-4 640 97.75/801
FHAStandard Full V V V Y O C 1 640 85/417
FHAHighBal. Full V V V Y O P 1-4 640 96.5/1202
FHAHighBal. Full V V V Y O R 1-4 640 97.75/1202
FHAHighBal. Full V V V Y O C 1 660 85/625
FHA Portfolio Advantage down to 600 FICO. FHA Standard down to 640 FICO.
NATIONWIDEexcept: AK AL AR DE HI IL IN LA MA MO ND
NH NY OH OK RI SC UT VT
0/12 3 B
0/12 3 B
0/12 2 B
0/12 2 B
0/12 2 B
0/12 2 B
0/12 2 B
0/12 7 B
55
55
55
43
43
43
7
7
3
3
3
3
3
7
866-453-2400
www.carringtonwholesale.com
County limits apply
County limits apply
County limits apply
County limits apply
County limits apply
County limits apply
County limits apply
County limits apply
display
ClearVision Funding
800-222-0042
www.clearvisionfunding.com
AZ CA CO CT DC MD NV OR TX UT VA WA
FHA Full V V V Y O P 1-4 620 96.5/801 57 100 2 1 3 B
FHA Full V V V Y O R 1-4 620 97.75/801 57 97.75 2 1 3 B
FHA Full V V V Y O C 1-4 620 85/801 57 85 2 1 3 B
Portfolio Full V V V Y O PRC 1-4 600 80/417 50 80 2 1 3 B
Streamline No Ratio N V V ON R 1-4 620 97.75/801 57 125 2 1 3 B
HighBalance Full V V V Y O P 1-4 640 96.5/1000 57 100 2 1 3 B
HighBalance Full V V V Y O R 1-4 64097.75/1000 57 100 2 1 3 B
HighBalance Full V V V Y O C 1-4 660 85/1000 57 85 2 1 3 B
Min FICO 600; max DTI per DU; manual UW. You’ve made a commitment to your borrowers, together we’ll keep that promise! For 24-hour broker approval, e-mail cvfinfo@clearfundings.com.
No condos
Mortgage only
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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.
