« Matrix: Prime 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.
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$500K
California wholesale lender. LTV>80% lowers DTI to 41% and requires MI. Visit www.iapprovelending.com to get your broker application and submission forms.
This matrix should be used to find detailed program criteria for first mortgages only.
Please consult the Prime Niches matrix for other program/product information or unusual property/loan characteristics.
LEGEND: P=Purchase; R=Rate and Term Refi; C=Cash-Out Refi; O=Owner-Occupied; V=Vacation Home; N=Non-Owner-Occupied; NINA=No Income, No Asset;
SISA=Stated Income, Stated Asset; SIVA=Stated Income, Verified Asset; I/O=Interest Only; F=Fixed Interest Rate; A=Adjustable Rate Mortgage (ARM); B=Both
All parameters on each line are used in combination
with one another — each line represents a specific
loan scenario or credit grade
Type I E A 45
I=Income
E=Employment
A=Assets 45=4506
V=Verified S=Stated
O
V
N
P
R
C FICO %/$K %/$K %/$K FICO
Ratio
%
Mtg
Lates
30s
in the
Last
Mo
to
%
I/O
Period
Yrs
Fixed,
ARM,
Both
F/A/B ARM Terms
LTV / LOAN AMOUN T
Combinations tied to different scores
COMMENTS
CLTV
OCC PURP
DTI LTV / LOAN AMOUN T
DOCUMEN TATION MTG
LATES
#
UNITS PROGRAM NAME
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