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« Matrix: Subprime First Mortgages »
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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.
OCMBC Inc. AZ CA CO DC FL GA IL IN LA MA MD MN NV OK OR TX UT WA
800-760-1833 ezqual@ocmbc.com www.gogcgi.com
SIVA O PRC 1-4 Y Y Y 24 24 24 0 30 25 680 70 2000 50 80 A 5/1;7/1;10/1
Alt-DocLoan OVN PRC 1-4 Y Y Y 1 1 1 1 30 12 580 80 2000 50 80 B 7/1;10/1; 30
Blended Income OVN PRC 1-4 Y Y Y 24 24 24 0 30 25 680 80 2000 50 80 A 5/1;7/1;10/1
StatedInvestor N PRC 1-4 Y Y 24 24 24 0 30 25 680 75 1000 75 A 5/1
Non-QMJumbo OVN PRC 1-4 Y Y Y 24 24 24 0 30 25 680 80 3000 50 80 A 5/1;7/1;10/1
Near Miss Program OVN PRC 1-4 Y Y Y 24 24 24 0 30 25 680 80 625 50 80 A 5/1; 7/1; 10/1
Privlo Wholesale CA CO ID IL MD MN NM TN TX VA WA
844-377-4856 wholesale@privlo.com PrivloWholesale.com
Alt-A O PR 1-4 Y Y 24 24 1 60 12 620 75 1000 680 80 2000 50 90
Self-employed O PR 1-4 Y Y 12 12 1 60 12 550 75 1000 620 80 2000 50 90
Housing Event O PR 1-4 Y Y 12 12 1 60 12 550 75 1000 620 80 2000 50 90
Medical BKs O PR 1-4 Y Y 12 12 1 60 12 550 75 1000 620 80 2000 50 90
Non-perm Res O PR 1-4 Y Y 12 12 1 60 12 550 75 1000 620 80 2000 50 90
Spiky Income O PR 1-4 Y Y 12 12 1 60 12 550 75 1000 620 80 2000 50 90
Custom-Doc O PR 1-4 Y 12 12 1 60 12 620 75 1000 620 80 2000 50 90
Cash-Out O C 1-4 Y Y 24 24 0 30 12 620 75 1000 680 75 2000 50 90
Know instantly if your client is eligible by answering a few quick questions. Visit Privlo Wholesale.com today. Your non-QM, non-agency lending partner.
Tell lenders you found them in Scotsman Guide
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
with one another — each line represents a specific
loan scenario or credit grade
PROGRAM NAME COMMEN TS
V
N
P
R
C FICO FICO $K $K LTV% LTV% SE
FULL
DOC BK
#
30s VA FC
#
Days
AD SS
#
Months
OCC PURP
FICO/LTV LOAN AMOUNT CREDIT
MON THS
SINCE
MTG LATES
#
UNI TS DTI CLTV ARM TERMS
YRS
I/O
Fixed,
ARM,
Both
RATE
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