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 re;ect 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.
« Matrix: FHA / VA / Government »
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Plaza Home Mortgage Inc. NATION WIDE except: MS WV
858-346-1208 www.plazahomemortgage.com
FHA Full V V V Y O P 1-4 580
96.5/801 50 100 0/12 2 1 3 1.75 B Backtoworkavailable
FHA203(k)S Full V V V Y O PR 1-4 640
97.75/801 50 100 0/12 2 1 3 1.75 F Repaircostto$35,000
FHAStream NoRatio N V V O R 1-4 620
97.75/801 125 0/12 2 1 3 1.75 F Withoutappraisal
VA Full V V V Y O PR 1-4 620 100/801 60 100 0/12 2 1 2 B ManualUWavailable
VAJumbo Full V V V Y O PR 1 660 100/1094 640 100/700 45 100 0/12 7 7 7 B
VA Cash-out Full V V V Y O C 1-4 620 100/801 60 100 0/12 2 1 2 B Cash-out > $500 to 95% LTV
VA IRRRL No Ratio N V V Y O R 1-4 640 125/801 620 100/417 0/12 2 2 2 F 105% LTV with AVM or 2055
USDA Full V V V Y O PR 1-4 620 100/417 41 100 0/12 3 3 3 F DTI:FollowGUS
We understand that every client is unique and requires a product that meets their specific needs. That's why we offer a diverse range of purchase and refinance conventional and government loan programs, all under one roof.
PRMG - Paramount Residential Mortgage Group NATIONWIDE except: HI MO NY
951-547-6343 www.prmg.net
FHA Portfolio Full V V V Y O P 1-4 580
96.5/1202 2 1 3 3 1.75 Short Sale with 0 Yr avail
FHA Portfolio Full V V V Y O R 1-4 580
97.75/1202 2 1 3 3 1.75 Short Sale with 0 Yr avail
FHA Portfolio Full V V V Y O C 1-4 620 85/1202 2 1 3 3 1.75 Short Sale with 0 Yr avail
VA Full V V V Y O PRC 1-4 580 100/801 2 2 2 2
VAHighBal Full V V V Y O PRC 1-4 640 100/1000 700 100/1500 7 7 7 7 700FICO>$1Mand<=$1.5M
USDA Full V V V Y O P 1 640 100/417
Streamline Full V V V Y ON R 1-4 620 100/801
Streamline Full V V V Y V R 1 620 100/417
VA IRRRL Full V V V Y OVN R 1-4 620 No Max LTV (No Appraisal)
PRMG is a national leading lender! "Built by Originators for Originators." We deliver FHA/VA & government loan products with a high focus on purchase business, pricing and service! PRMG will donate $50 to The Wounded
Warrior Project for every funded VA loan.
Residential Bancorp AL AR AZ CA CO FL IA ID KS LA MD MI MT NC NM NV OH OK OR SC TN TX UT WA WI WY
818-515-8100 makan.mostafavi@bancorp.com bancorpwholesale.com
FHA Purchase Full V V V Y O P 1-2 580
96.5/533 100 2 2 3 3 F FHA limits; ratios per DU
FHA Purchase Full V V V Y O P 1-4 600
96.5/801 100 2 2 3 3 F FHA limits; ratios per DU
FHA Rate/ Term Full V V V Y O R 1-4 580
96.5/801 100 2 2 3 3 F FHA limits; ratios per DU
FHA Cash-Out Full V V V Y O R 1-4 620 85/417 85 2 2 3 3 F FHA limits; ratios per DU
FHA Streamline No Ratio N V V Y ON R 1-2 580 100/533 F FHA limits; no appraisal
FHA 203(k) SL Full V V V Y O PR 1-4 620
96.5/801 2 2 3 3 F FHA limits; ratios per DU
VAPurchase Full V V V Y O P 1-4 600 100/801 100 2 2 3 3 F Countylimits
USDA Full V V V Y O P 1 640 100/417 3 3 3 3 F GUSApprovalrequired
Servicing 100% of all Ginnie/FNMA/FHLMC loans funded by RB. FHA/VA, 203(k), USDA, bonds programs are available. No overlays with FICO above 580. Exceptional service with common-sense underwriting.
Right Start Mortgage Inc. AZ CA CO OR TX WA
800-520-5626 x5307 www.rsmwholesale.com
FHA Full V V V Y O P 1-4 580
96.5/1202 43 96. 5 2 1 3 1.00 F DTIwithAUSApprove
FHA Full V V V Y O R 1-4 580
96.5/1202 43 96. 5 2 1 3 1.00 F DTIwithAUSApprove
FHA Full V V V Y O C 1-2 580 85/521 43 85 2 1 3 1.00 F DTIwithAUSApprove
FHA loans with credit scores down to 580! Make-sense under writing for your tough-to-place loans. Call Lavon Barton, National Sales Manager, at 626-739-5307.
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; F=Fixed Interest Rate; A=Adjustable Rate Mortage (ARM); B=Both
Note: 2016 Fannie Mae/Freddie Mac loan limits: 1 = $417,000; 2 = $533,850; 3 = $645,300; 4 = $801,950
(AK, Guam, HI & U.S. Virgin Islands = 50% higher)
All parameters on each line are used in combination
with one another — each line represents a specific
loan scenario or credit grade
FICO%/$K %/$K FICO
Ratio
%
30s
in the
Last
Mo
to
%
Ch 7
BK
Disch
Upfront
MI
Max
%
Ch 13
BK
File
Fore
Satis
Short
Sale
Min Yrs Since
Fixed,
ARM,
Both Type I E A 45
I=Income
E=Employment
A=Assets 45=4506
V=Verified S=Stated
DOCUMENTATION
PROGRAM NAME
O
V
N
P
R
C
OCC PURP
#
UNITS COMMENTS
LTV / LOAN AMOUNT COMBINATIONS
CLTV
RATE
DTI
M TG
LATES
BANKRUPTCY/
FORECLOSURE
M TG
INSUR-
ANCE
D
I
S
P
L
AY
D
I
S
P
L
AY
D
I
S
P
L
AY
D
I
S
P
L
AY
