Scotsman Guide - June 2015 Residential Edition

« Matrix: Prime First Mortgages »

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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: matrixfeedback@scotsmanguide.com.

CBC National Bank NATION WIDE except: AZ NV

404-409-3379 hhaymes@cbcnationalbank.com www.CBConnex.com Conforming Full V V V Y O PR 1 660 95/417 720 97/417 0/12 0 NA Conforming Full V V V Y O C 1 680 80/417 660 75/417 0 NA Conforming Full V V V Y V PR 1 720 90/417 660 80/417 0 NA Up to 75% LTV with 640 score Conforming Full V V V Y V C 1 680 75/417 0 NA Conforming Full V V V Y N P 1 640 75/417 0 NA Cash-out 70% LTV with 680

Harp 2 Full V V V Y O R 1 680 100/417 0/12 105 NA First mortgage cannot have MI Agency Jumbo Full V V V Y O P 1-2 680 75/800 45 0 NA B No FL condos nor attached Agency Jumbo Full V V V Y O R 1 680 75/625 45 0 NA B No FL condos nor attached CBC National Bank is a national wholesale lender/bank that specializes in conventional, FHA, VA, jumbo, & portfolio products that include 2nd mortgages to 95% CLTV.

First Guaranty Mortgage Corp. NATIONWIDE except: AK NH SD

800-296-2275 whapeman@fgmc.com www.FGMCWholesale.com Conforming Full V V V Y O PR 1 620 95/417 0/12 95 NA F Ratiosper DU Conforming Full V V V Y O PR 2 620 85/533 0/12 85 NA F Ratiosper DU Conforming Full V V V Y O PR 3-4 620 75/801 0/12 75 NA F Ratiosper DU DU Refi Plus Full V V V Y OVN R 1-4 620 200/801 0/12 200 NA F LTV per DU Jumbo Full V V V Y O PR 1 740 80/1500 720 65/2500 43 0/12 80 NA F Jumbo Full V V V Y V PR 1 720 75/1000 720 65/2000 43 0/12 75 NA F HomeStyle Full V V V Y O PR 1 620 95/417 0/12 95 NA F HighBalance Available

1XClose Full V V V Y O P 1 620 70/417 0/12 70 NA F MH, Stick-Built, Modular OK First Guaranty Mortgage Corporation® (FGMC), is a national approved single-family issuer for Ginnie Mae; an approved Fannie Mae MBS issuer; approved by HUD; an FHA approved lending institution; approved for VA; and approved by USDA.

HomeBridge Wholesale NATION WIDE except: MA NE

855-729-2883www.HomeBridge Wholesale.com Agency Full V V V Y O PR 1 620 97/417 97 NA F FTHB/FNMAOwned Agency Full V V V Y O PR 1 620 95/417 95 NA B DUApprove/Eligible Agency Full V V V Y O PR 2 620 85/533 85 NA B DUApprove/Eligible Agency Full V V V Y O C 1 620 80/417 85 NA B DUApprove/Eligible Agency Full V V V Y V PR 1 620 90/417 90 NA B DUApprove/Eligible Agency Full V V V Y N P 1 620 85/417 80 NA B DUApprove/Eligible HighBalance Full V V V Y O PR 1 620 90/625 90 NA B DUApprove/Eligible DU Refi Plus Full V V V Y O R 1-4 620 150/801 0/12 0 NA F DU Approve/Eligible; PI W OK HomeStyle Full V V V Y O PR 1 620 95/417 95 NA F DUApprove/Eligible HomeStyle Full V V V Y O PR 1 620 90/625 90 NA F DUApprove/Eligible See additional programs for multiple units, second homes and investments at www.HomeBridge Wholesale.com. Refer to program guidelines for restrictions.

iApprove Lending CA CO FL GA OR TX

714-775-5353 www.iapprovelending.com Agency Full V V V Y O P 1 620 95/417 50 0/12 95 NA B Unpermittedadditionsallowed Agency Full V V V Y V P 1 620 90/417 50 0/12 90 NA B Unpermittedadditionsallowed Agency Full V V V Y N P 1 620 80/417 50 0/12 80 NA B Unpermittedadditionsallowed Agency Full V V V Y N P 2 620 80/533 50 0/12 80 NA B Unpermittedadditionsallowed Agency Full V V V Y ON P 3-4 620 75/801 50 0/12 75 NA B High Balance Full V V V Y O PR 1 620 75/801 50 0/12 75 NA F LTV>75% req. 700 score HighBalance Full V V V Y O PR 2-4 620 75/1403 50 0/12 75 NA B Jumbo Full V V V Y O PRC 1 700 65/729 50 0/12 65 NA B Max.cash-out$500K California wholesale lender. LTV>80% lowers DTI to 41% and requires MI. Visit www.iapprovelending.com to get your broker application and submission forms.

This matrix should be used to find detailed program criteria for first mortgages only.

Please consult the Prime 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; NINA=No Income, No Asset;

SISA=Stated Income, Stated Asset; SIVA=Stated Income, Verified Asset; I/O=Interest Only; F=Fixed Interest Rate; A=Adjustable Rate Mortgage (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