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
DOCUMENTATION
MTG
BANKRUPTCy/
MTG
I=Income
E=Employment
A=Assets 45=4506
LATES
FORECLOSURE
INSURANCE
P
R
C
Min yrs Since
Upfront
Yearly
F/A/B
O
V
N
DTI
CLTV
Ch 7
Ch 13
MI
MI If
Fixed,
V=Verified S=Stated
PROGRAM
#
LTV / LOAN AMOUNT COMBINATIONS
Ratio
30s
in the
Last
BK
BK
Fore
Max
LTV>
ARM,
NAME
Both Type I E A 45
FICO %/$K %/$K %/$K FICO
%
Mo
to
%
Disch
File
Satis
%
____
UNITS COMMENTS
VA Full V V V Y O P 1-4 620 100/417 41 100 0/12 2 1 2 F DU/Approve/Eligible
Impac Mortgage continued
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.
JMAC Lending Inc.
AZ CA ID NV OR WA
714-841-0776
www.jmaclending.com
FHA30 Full V V V Y O P 1 620 96.5/417 0/12 2 1 3 B
FHA30 Full V V V Y O C 1 620 85/417 0/12 2 1 3 B
640 96.5/729 55
640 85/729 55
640 97.75/729 50
55
55
1.75
1.75
1.75
1.75
1.75
display
Kinecta Federal Credit Union
NATIONWIDEexcept: AK AL AR HI KY LA MS NM TX WY
800-854-4600
www.LoanKinection.com
FHA Full V V V Y O P 1-4 640 96.5/801 50 100 0/30 2 2 3 1.25 F 97.5% w/MIP; loan limit varies
FHA Hi Bal Full V V V Y O P 1-4 640 96.5/1403 50 100 0/30 2 2 3 1.25 F 97.5% w/MIP; loan limit varies
display
New Penn Financial LLC
NATIONWIDEexcept: AK AZ HI KS MA MO NV UT WA WI
866-886-9285
www.GoNewPenn.com
FHA
FHA
FHA
VA
VA Refinance
VA IRRL
Full
Full
Full
Full
Full
Full
VVVY O
VVVY O
VVVY O
VVVY O
VVVY O
VVVY O
P 1-4 640
96.5/801
97.7/801
85/801
100/417
90/417
100/417
50 96.5 1/12 2 1 3
52 97.7 1/12 2 1 3
52 85 1/12 2 1 3
660 100/801 52 100 1/24 2 1 2
660 90/801 52 90 1/24 2 1 2
660 90/801 52 115 1/24 2 1 2
1
1
1
B HUD limits apply
B HUD limits apply
B HUD limits apply
B County loan limits apply
B County loan limits apply
B County loan limits apply
Omega Financial Services Inc.
CT NJ NY PA
800-663-4220
www.OFSwholesale.com
203(k) Full V V V Y O PR 1-4 64096.5/1403 45 0/12 2 1 3 1
Use us for competitive pricing and quickest turn times for all your 203(k) loans. Purchase or refinance and rehab all in one loan. Bankruptcy OK, call for details.
30-year fixed.
Performance Home Loans
AZ CA CO CT FL GA IL MA MD MN NC NV OR TN TX UT VA
WA WI
877-999-0799
www.phlwholesale.com
FHA Full V V V Y O P 1-4 620 96.5/801 100 2 1 3 1.75
B DU Approve / Eligible
B DU Approve / Eligible
B DU Approve / Eligible
B Manual UW
B DU Approve / Eligible
B DU Approve / Eligible
B DU Approve / Eligible
B DU Approve / Eligible
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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