All parameters on each line are used in combination
with one another — each line represents a specific
loan scenario or credit grade
NATIONWIDEexcept: 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
M TG
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. AZ CA ID NV OR UT WA 714-841-0776 www.jmaclending.com
JMAC Conf Full V V V Y N C 1 620 75/417 45 0/12 75 0 B N N Subject to AUS approval
JMAC Conf Full V V V Y O PR 1 680 95/417 45 0/12 95 10 B N N Subject to AUS approval
HB-Conf Full V V V Y O PR 1 720 90/625 700 80/625 45 0/12 90 NA B N N SubjecttoAUSapproval
HB-Conf Full V V V Y O C 1 740 60/625 45 0/12 65 NA B N N MaxCO$417K
HBLP-Conf Full V V V Y O PR 1 660 80/625 720 90/625 45 0/12 90 NA F N N 2 units at 70% max
display
HBLP-Conf Full V V V Y N P 1 660 75/625 720 90/625 45 0/12 90 NA F N N SubjecttoAUSapproval
HBLP-Conf Full V V V Y O C 1 660 75/625 45 0/12 75 NA F N N SubjecttoAUSapproval
Jumbo Full V V V Y O PRC 1 720 80/2000 45 0/12 80 NA F N N Max LTV/CLTV by ZIP code
HPLP-Conf Full V V V Y N PRC 2 660 70/800 45 0/12 70 NA F N N C/O limited to 65% LTV/CLTV
HP-Conf Full V V V Y ON PR 2 740 75/800 45 0/12 75 NA F N N N/O/O limited to 65% LTV/CLTV
DURefiPlus Full V V V Y O R 1 660 105/417 700 105/625 55 0/12 105 NA F N N AcceptsPIWAUSfindings
DURefiPlus Full V V V Y O R 1 700 135/417 55 0/12 135 NA F N N AcceptsPIWAUSfindings
We reward our clients with tier pricing incentives, up to -0.25 more, expedited services and complimentary extension for Premier Tier clients. New approved accounts from Scotsman Guide will receive a one-time -0.25
incentive on your first submission.
display
Kinecta Federal Credit Union
Agency Fixed
Agency Fixed
Agency Fixed
Agency Fixed
Agency Fixed
display
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
85/417
75/801
70/801
80/417
80/533
75/417
90/625
75/625
65/625
75/1202
NATIONWIDEexcept: AK AL AR HI KY LA MS NM TX WY
97 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
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.
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