All parameters on each line are used in
combination with one another — each line
represents a specific loan scenario or credit grade
%/$K %/$K %/$K FICO
LTV / LOAN AMOUN T
Combinations tied to different scores
LTV / LOAN AMOUNT
Kinecta Federal Credit Union continued
display
SuperConform Full V V V Y O C 1 740 60/625 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: $250K over FHA lmt; MI ins
Jumbo ARM Full V V V Y O PR 1-2 700 80/1000 720 75/2000 45 80 NA A N N State max loan amts. apply
Jumbo 30-yr. Full V V V Y O PR 1 720 70/2000 40 70 NA F N N State max loan amts. apply
Now a HomePath lender for FNMA-owned properties. Co-ops, manufactured homes and construction ineligible. See Fixed, ARM, jumbo, I/O, 5-10 properties, piggyback lending, and more at www.loankinection.com.
Type I E A 45
I=Income
E=Employment
A=Assets 45=4506
V=Verified S=Stated
O
V
N
P
R
C FICO %/$K %/$K
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
COMMENTS
CLTV
OCC PURP
DTI
DOCUMENTATION MTG
LATES
#
UNITS
PROGRAM
NAME
display
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 800-350-5363 www.stearnswholesale.com
2000 & 2300 Full V V V Y O PR 1 620 95/417 50 0/12 95 10 A N N PIW to 80%, 720 score for I/O
2000 & 2300 Full V V V Y O PR 2 620 80/534 50 0/12 80 NA B N N PI W to 80%, DU Approve/Elig.
2000 & 2300 Full V V V Y O PR 3-4 620 75/801 50 0/12 75 NA B N N PI W to 80%, DU Approve/Elig.
2000 & 2300 Full V V V Y V PR 1 720 90/417 620 80/417 50 0/12 90 NA N N Portfolio for 5-10 financed
2000 & 2300 Full V V V Y N PR 1 620 80/417 50 0/12 80 NA N N Portfolio for 5-10 financed
2000 & 2300 Full V V V Y N PR 2-4 620 75/801 50 0/12 75 NA N N Portfolio for 5-10 financed
2000 & 2300 Full V V V Y O C 1 620 85/417 50 0/12 85 NA N N 6 mo seasoning
2000 & 2300 Full V V V Y OV C 2-4 620 75/801 50 0/12 75 NA N N 6 mo seasoning
2089 DU Refi+ Full V V V Y OVN R 1-4 620 125/801 50 0/12 NA N N FNMA owned; 2nd/NOO 660 score
display
display
2091HighBal Full V V V Y O P 1 700 90/625 660 75/625 50 0/12 90 NA N N FNMAlimits
2091HighBal Full V V V Y O PR 1 700 90/625 660 75/625 50 0/12 90 NA N N FNMAlimits
2091 High Bal Full V V V Y O PR 2-4 740 75/1202 50 0/12 90 NA N N FNMA loan limits
2091 High Bal Full V V V Y V PR 1 740 65/625 50 0/12 65 NA N N FNMA loan limits
2091 High Bal Full V V V Y N PR 1 740 60/625 50 0/12 60 NA N N FNMA loan limits
2091 High Bal Full V V V Y O C 1 740 60/625 50 0/12 60 NA N N FNMA loan limits
2099 DU Refi+ Full V V V Y O R 1 660 125/625 50 0/12 NA N N Perm loan limits Refi+
Jumbo 3000-10 Full V V V Y O PRC 1-2 700 80/1000 720 80/2000 45 0/12 80 NA N N Prior approval u/w req'd
HomePath Full V V V Y O P 1 660 97/417 75/625 620 80/417 50 0/12 NA N N No appraisal or MI, NOO to 90%
High LTV 2059 Full V V V Y O PR 1 680 97/417 41 0/12 NA N N MI UW required
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; PACE refi ok; Open Access to 105%; FHA flips
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.
