« matrix: prime niches »
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This matrix should be used to
find general program information/
product types, unusual property or
loan characteristics. Please consult
the Prime 1st Mortgages matrix for
detailed program criteria.
1 Acreage: Max acres on res. property (U=Unlimited)
2 Condo: Non-Fannie Mae/Freddie Mac warrantable
3 Condo: With only 2-3 units
4 Condotels at resort destinations
6 Dome homes
7 Land: Purchase of subdivided lot
8 Land: Purchase of undeveloped raw land
9 Log homes
10 Manufactured home (post-1976)
11 Second dwelling on single tax lot
12 Zoning: Non-owner < 5 units: Zoned other than residential
13 Aliens/foreign nationals: No green
card, second home
14 Aliens/foreign nationals: No green card,
No-income verifier loans available
16 Corps., trusts, partnerships and LLCs
17 Minimum loan amount
18 Non-owner: More than 10 financed prop-
erties allowed regardless of loan amount
19 Ratio: Combined ratios are allowed
with non-occupant co-borrower
20 Remodel: Conventional at after-
17 18 19 20
PROGRAMS AND OPTIONS
21 Bridge loans
22 Freddie Mac: Loan Prospector (LP)
23 Freddie Mac: Affordable Gold
24 Fannie Mae: Desktop Originator (DO)
25 Fannie Mae: MyCommunityMortgage
26 Fannie Mae: Desktop Underwriter (DU)
27 Govt.: FHA Direct Endorsement
28 Govt.: VA
29 Lock: Longest lock available (number of days)
30 Lock without property address
31 Pledged asset option
32 Reverse mortgages
33 Tenants-in-common ( TIC)
34 Rural property/part-time farm
360 Mortgage Group LLC
AZ CA CO GA ID IL IN KS KY LA MI MN MO NC NM OH OK OR TN TX UT WA WY
American Financial Resources Inc.
NATIONWIDE Nationwide wholesale, table funding, correspondent, correspondent delegated, flow or bulk. We underwrite or you can - same price. No junk fees such as
underwriting fees or commitment fees regardless of loan type or channel.
Asset-depletion underwriting for income qualification. Pledged-asset and Foreign Nationals program. Non-warrantable condos, co-op lending, unique
Caliber Funding LLC
NATIONWIDE except: HI MA MS NY SD
Caliber is a nationwide wholesale lender offering conventional, FHA, VA & USDA products to our broker and
Carrington Mortgage Services
NATIONWIDE except: AK AL AR DE HI LA MA MO ND NH OH RI UT VT Get your online loan status, pricing, and eligibility. Lock loans quickly in Pipeline Manager.
Sign up for our daily rate sheet. Broker packages available online. Refer to Carrington Wholesale.com for all guides.
CBC National Bank
NATIONWIDE except: AZ NV
Visit www.CBConnex.com to partner with us.
AZ CA CO CT DC GA MD NC NJ NV OR PA SC TX UT VA WA
FHA flips; no seasoning on FHA short sales; NOO Streamlines. Competitive rates and quick turn
times. For 24-hour broker approval, e-mail email@example.com.
CountryPlace Mortgage Ltd.
NATIONWIDE except: AK CT DC DE HI IA KY ME MT ND NE NH NJ NV NY OH PA RI SD UT VA VT WI WV Your source for Fannie Mae's DURefi Plus with no
LTV restrictions, with or without an appraisal waiver
NATIONWIDE except: AK HI MS ND NY LTV > 80% subject to MI-provider guidelines; Jumbo product available; contact branch for details. FNMA HomePath available
to 97%; LPMI to 95% LTV, 680 FICO, conforming fixed; EA1/Eligible on Retained Conforming & DU Refi Plus to 105% LTV
NATIONWIDE except: HI MA NE
See additional programs for multiple units, second homes and investments at www.homebridgewholesale.com. Refer to program
guidelines for restrictions. Real Estate Mortgage Network Inc. dba HomeBridge.
California wholesale lender. One-day reverse-mortgage underwriting. Visit www.iapprovelending.com for your broker application and submission forms.
Impac Mortgage - Reverse
NATIONWIDE except: CT DE HI IN MA ME MO MT ND NH NJ NM NY OH OK PA RI SD TN UT VT WY Impacoffersreversemortgagelendingin 32states and
is currently expanding. We are now hiring seasoned reverse-mortgage originators in multiple states. Questions: Call Frank Curry at 888-896-7606.
JMAC Lending Inc.
AZ CA ID NV UT WA Rewarding clients with tier pricing incentives, up to -0.25. New approved accounts from Scotsman Guide receive a one-time -0.25 incentive on
first submission. Our DU Refi Plus goes up to 135% for conforming limits.
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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: firstname.lastname@example.org.