Scotsman Guide - June 2015 Residential Edition

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ACC Mortgage Inc. CA DC DE FL VA

877-349-0501 mikeq@accmortgage.com WeApproveLoans.com

2nd Chance O PR 1-4 Y Y Y Y 1 1 1 500 90 100 43 90 B 7/1, 10/1 Rates start at 5.75%

Stated Income O PRC 1-4 Y Y 1 1 1 500 70 100 80 B 3/1, 5/1, 10/1 Rates start at 5.99%

Foreign National O PRC 1-4 Y Y Y 1 1 1 500 80 100 20 B 3/1, 5/1, 10/1 Rates start at 7.99%

TraditionalB&C O R 1-4 Y Y Y Y 1 1 1 500 75 100 43 80 F Ratesstartat7.99%

Inherited Property O R 1-4 Y Y 1 1 1 500 80 100 43 80 F Rates start at 7.99%

We are lending non-QM loans the proper way and making loans that no one else can! Our matrix in a nutshell: Does that loan make sense for the borrower and is it safe for us? Our money, our rules! Old-school lending in the Dodd-Frank world.

Angel Oak Mortgage Solutions AL AZ CA CO DC DE FL GA IA IL IN MD MI MN NC OH OR SC TN TX VA WI

855-539-4910 info@angeloakms.com www.angeloakms.com Non-Prime OV PRC 1-4 Y Y Y 0 0 0 500 70 1000 580 80 1000 50 F Bankstmt.programavail.

Investment N PRC 1-4 Y Y Y 12 12 12 560 75 750 600 80 750 50 F 5 AO props., 20 total Port.Select OV PRC 1-4 Y Y Y Y 24 24 24 640 75 2000 660 80 2000 43 80 F Bankstmt.programavail.

Foreign National VN PRC 1-4 Y Y 12 12 12 750 50 F Inv. Cash Flow N PRC 1-4 24 24 24 660 70 1000 F Based on subj prop cash flow Minimum 500 credit score, up to 80% LTV, up to 50% DTI. No seasoning on short sale or foreclosure. Loans up to $2M. 24-month bank statements for self-employed.

Athas Capital Group AZ CA CO ID OR TX

877-877-1477 x555 todd@athascapital.com www.athascapital.com A OVNPRC 1-4 Y Y Y Y 36 36 24 0 0 700 80 2000 55 95 B 7/23 Callforproductclarity A- OVN PRC 1-4 Y Y Y Y 36 36 12 1 650 80 2000 55 95 B 7/23 Call for product clarity B OVN PRC 1-4 Y Y Y Y 24 24 0 12 600 75 2000 55 95 B 7/23 Callforproductclarity B- OVN PRC 1-4 Y Y Y Y 12 12 0 12 60 550 65 750 55 95 B 7/23 Callforproductclarity Athas also has many other products! Please call one of our friendly wholesale reps and let us earn your “A” paper fallout business! Athas is also hiring existing wholesale reps in AZ, CA, CO, ID, OR, TX, and WA.

Citadel Servicing Corp. AZ CA CO FL GA ID NC OR TX UT VA WA

949-900-6630 sales@citadelservicing.com www.citadelservicing.com A OVN PRC 1-4 Y Y 3 3 2 0 30 12 700 85 750 700 80 1000 50 85 B 7/23hybrid NoReserves A- OVN PRC 1-4 Y Y 2 2 1 1 30 12 650 80 750 700 75 2000 50 85 B 7/23hybrid NoShortSaleSeasoning B OVN PRC 1-4 Y Y 2 2 0 U 30 12 600 75 750 650 75 1000 50 85 B 7/23hybrid NoForeclosureorBKSeasoning B- OVN PRC 1-4 Y Y 1 1 0 U 60 12 550 70 750 650 70 2000 50 85 B 7/23hybrid BankStatementsforIncome C OVN PRC 1-4 Y Y 0 0 0 U 120 12 500 65 750 600 70 1000 50 85 B 7/23hybrid Owner-Occupiedwith500FICO ODF OVN PRC 1-4 Y 0 0 0 U 180 12 70 750 600 65 2000 A 7/23 hybrid Foriegn Nat., Biz Purp.

85% LTV, min. 500 FICO for nonprime, sub-500 FICO for private money. No short sale, foreclosure or bankruptcy seasoning. 50% DTI, no reserves, 24-month bank statements, personal or business, for self-employed and

1099 borrowers! Loans to $2 million.

First National Bank of America NATIONWIDE except: AK AZ CA CO DC HI ID MT NM NV NY OH OR TX WA WY

800-400-5451 resbrokers@fnba.com www.fnba.com/mortgagebrokers A OVNPRC 1-4 Y Y Y Y 0 0 0 U 700 80 1000 700 80 1000 55 80 F Assetdepletion/bankstatement B OVNPRC 1-4 Y Y Y Y 0 0 0 U 660 75 1000 660 75 1000 55 80 F Assetdepletion/bankstatement C OVNPRC 1-4 Y Y Y Y 0 0 0 U 580 70 750 580 70 750 55 80 F Assetdepletion/bankstatement D OVNPRC 1-4 Y Y Y Y 0 0 0 U 500 65 500 500 65 500 55 80 F Assetdepletion/bankstatement No seasoning on bankruptcy, foreclosure, and short sales up to 80% LTV. We also buy agency fallout loans.

This matrix should be used to find detailed criteria for first mortgages that do not meet Qualified Mortgage standards.

Please consult the Subprime Niches matrix for other program/product information or unusual property/loan characteristics.

LEGEND: P=Purchase; R=Rate and Term Refi; C=Cash-Out Refi; O=Owner-Occupied; V=Vacation Home; N=Non-Owner-Occupied; BK=Bankruptcy; FC=Foreclosure;

SS=Short Sale; SE=Self-Employed; VA=Verified Assets; AD=Asset Depletion; I/O=Interest Only; F=Fixed Interest Rate; A=Adjustable Rate Mortage (ARM); B=Both
All parameters on each line are used in combination
with one another — each line represents a specific
loan scenario or credit grade