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
FICO
#
UNI TS
E=Employment
A=Assets 45=4506
OCC PURP
%/$K
%/$K %/$K %/$K FICO
LTV / LOAN AMOUN T
%/$K
Ratio
%
The Funding Pool
CO ID UT
866-210-0850
www.fundingpool.net
AgencyConf. Full V V V Y O PR 1 680 95/417 45 0/12 95 NA F N N
AgencyConf. Full V V V Y O PR 2 680 80/533 45 0/12 95 NA F N N
AgencyConf. Full V V V Y O PR 3-4 680 80/645 45 0/12 80 NA F N N
AgencyConf. Full V V V Y V PR 1 680 90/417 45 0/12 90 NA F N N
AgencyConf. Full V V V Y N PR 1 680 80/417 45 0/12 85 NA F N N
AgencyConf. Full V V V Y N PR 2-4 680 75/533 45 0/12 75 NA F N N
AgencyC/OUT Full V V V Y O C 1 680 85/417 45 0/12 85 NA F N N
AgencyC/OUT Full V V V Y VN C 1 680 70/417 45 0/12 70 NA F N N
AgencyC/OUT Full V V V Y O C 2 700 75/533 45 0/12 75 NA F N N
AgencyC/OUT Full V V V Y N C 1-2 700 75/417 45 0/12 75 NA F N N
Conv3/1Arm Full V V V Y O PR 1 680 95/417 45 0/12 95 NA A N N
Conv5/1Arm Full V V V Y O PR 1 680 90/417 45 0/12 95 NA A N N
Conv7/1Arm Full V V V Y O PR 1 680 90/417 45 0/12 95 NA A N N
FNMA<90Flip Full V V V Y O P 1 680 80/417 45 0/12 80 NA F N N
FNMA97 Full V V V Y O P 1 720 97/417 41 0/12 97 NA N N
No manual underwrites, must be DU approve/eligible on all products. County limits apply. 2 months PITI required on products with MI. Broker package available at www.fundingpool.net
Qualify at 2% over start rate
Qualify at 2% over start rate
Qualify at 2% over start rate
DU only
DU only
TMSFunding Wholesale
NATIONWIDEexcept: CA CO CT DC DE FL GA IL MA MD
ME MI NC NH NJ NY OH PA RI SC TN TX VA VT WV
NA N N
NA N N
NA N N
NA N N
NA N N
NA N N
NA N N
NA N N
NA N N
888-371-2989
www.tmsfunding.com
Primary Full V V V
Primary Full V V V
Primary Full V V V
Primary Full V V V
Primary Full V V V
SecondHome Full V V V
Investment Full V V V
Investment Full V V V
Investment Full V V V
Broker approval: www.tmsfunding.com
O
O
O
O
O
V
N
N
N
P 1 720
97/417
95/417
80/417
80/533
75/801
90/417
80/417
75/417
75/801
41 0/12
50 0/12
50 0/12
50 0/12
50 0/12
50 0/12
50 0/12
50 0/12
4-unit max $801,950
Subject to agency limits
USA Direct Funding
Conventional Full V V V Y O PR 1 720 97/417 680
Conventional Full V V V Y O PRC 1 620 80/417
HomePath Full V V V Y O P 1 700 97/417
HomePath Full V V V Y VN P 1 740 90/417
Jumbo Full V V V Y O PR 1-2 720 80/2000
High-Balance Full V V V Y O PR 1 700 80/506
DURefiPlus Full V V V Y O R 1-4 620 95/417
1 Day Off MLS Full V V V Y O R 1-2 680 95/417
Highest level of customer service; boutique lender; complete product guidelines and pricing at usadirectfunding.com.
CA ID OR WA
95/417
41 0/12 97 NA B
41 0/12 95 NA B
50 0/12 97 NA B
50 0/12 90 NA F
45 0/12 80 NA B
45 0/12 90 NA B
55 0 110 NA B
41 0/12 95 NA B
NN
NN
NN
NN
NN
NN
NN
NN
888-697-3860
www.usadirectfunding.com
FNMA loan limits apply
FNMA loan limits apply
FNMA loan limits apply
FNMA loan limits apply
HERA limits apply
Higher LTV/CLTV's available
C/O available to 70% LTV/CLTV
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.
