Matrix: Prime First Mortgages
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Home Point Financial Corp. NATIONWIDE except: AR HI MO MS MT NM NV UT
866-400-1362 clientservices@homepointfinancial.com www.hpftpo.com
Conv Conf/Hi Bal Full V V V Y OVN PRC 1-4 620 97/417 95/625 45 0 NA B 5/1,7/1,10/1 Both DU and LP permitted
HomeReady Full V V V Y O PR 1-4 620 97/417 95/625 45 0 NA B 5/1,7/1,10/1 Flexibledownpmtandincome
DU Refi Plus SISA S V S Y OVN R 1-4 0 NA B 5/1,7/1,10/1 No LTV/FICO overlays
LP Open Access SISA S V S Y OVN R 1-4 0 NA B 5/1,7/1,10/1 No LTV/FICO overlays
Jumbo FRM Full V V V Y OV PRC 1-4 720 80/2000 755 65/2500 43 0 NA F Competitivepricing
Jumbo Std ARMs Full V V V Y OV PRC 1-2 700 80/1000 760 80/2000 43 0 NA A 5/1,7/1 Competitivepricing
Jumbo Exp ARMs Full V V V Y OVN PRC 1-2 740 89.9/1500 740 80/2000 42 80 NA A 5/1 Asset depletion permitted
Jumbo Interest Only Full V V V Y OVN PRC 1-2 720 80/1500 740 80/2000 42 0 NA A 5/1 Min loan amount $250K
Check out our new products, pricing and service. Home Point Financial is poised to help brokers grow their business with our innovation and follow-through.
JMAC Lending Inc. AZ CA CO DC FL GA HI MD NJ OR TX UT VA WA
949-390-2688 info@jmaclending.com www.jmaclending.com
JMAC Conf Full V V V Y N C 1 620 80/417 45 0/12 85 0 B Subject to AUS approval
JMAC Conf Full V V V Y O PR 1 620 95/417 45 0/12 95 0 B Subject to AUS approval & MI
HB-Conf Full V V V Y O PR 1 700 90/625 680 80/625 45 0/12 90 NA B Subject to AUS approval & MI
HB-Conf Full V V V Y O C 1 720 60/625 45 0/12 65 NA B DTI subject to AUS
HBLP-Conf Full V V V Y O PR 1 660 80/625 720 90/625 45 0/12 90 NA F 2 units at 70% max.
Open Access Full V V V Y O PR 1 680 125/417 620 105/417 45 0/12 75 NA F Subject to LP approval
Newport Full V V V Y O PR 1-4 720 95/1500 680 85/2500 43 0/12 95 10 B 360 95%max DTI35%,else43%
Newport Full V V V Y O C 1-4 720 90/1500 680 80/2500 43 0/12 90 10 B 360 90%max DTI35%,else43%
HBLP-Conf Full V V V Y N R 1-4 700 75/625 45 0/12 75 NA F DTIsubjecttoAUS
HBLP-Conf Full V V V Y N R 1-4 700 75/625 45 0/12 75 NA F NOO limited to 80% purchase
Venice NINA N V N Y OVN PRC 1-4 720 80/1000 65/2500 650 65/1000 50 0/12 80 10 A 360 Bank stm and foreign national
Newport Full V V V Y N PRC 1-4 680 80/2500 600 75/2500 43 0/12 80 10 B 360 Unlimitedcash-out
Competitive pricing. Premier brokers get .125-. 25 better on all programs with as few as 10 loans funded per quarter. Jumbo loan up to 95% with IO option over 30 or 40 year amortization - with no MI. Jumbo loan amount up
to $4M. Please contact us for more details.
NYCB Mortgage Banking NATIONWIDE
888-321-6446 potentialclient@mynycb.com www.nycbmortgage.com
Conf Fix & High-Bal Full V V V Y O PR 1 620 97/636 50 97 NA F 97% Purchase only 95% Refi
Conf Fix & High-Bal Full V V V Y O C 1 620 80/636 50 80 NA F Ratio AU determined 50% max
HomeReady Full V V V Y O PR 1 620 97/636 97 NA F 97% Purchase only 95% Refi
Std Jumbo ARM Full V V V Y O PR 1 740 85/1500 40 0/24 85 NA A No MI required
Conf Std ARM Full V V V Y O PR 1 620 90/636 50 90 NA A Ratio AU determined 50% max
Port Jumbo Full V V V Y O PR 1 740 75/1499 36 0/24 75 NA B Ratio loan size dependent
Jumbo 30 Fixed Full V V V Y O PR 1 740 90/1500 35 0/24 90 NA F 90% LTV no MI
Jumbo 30 Fixed Full V V V Y O C 1 720 70/1000 43 0/24 70 NA F Ratio 43% max
Jumbo Fixed 30yr, Texas Section 50(a)( 6), N YCB Purchase Accelerator Prequalification Program, two-time close transactions, LPMI up to 97% on conforming fixed products, DU Refi Plus, e-mail potentialclient@mynycb.com
to learn more!
This matrix should be used to find detailed program criteria for first mortgages only.
Please consult the Prime Niches matrix for other program/product information or unusual property/loan characteristics.
LEGEND: P=Purchase; R=Rate and Term Refi; C=Cash-Out Refi; O=Owner-Occupied; V=Vacation Home; N=Non-Owner-Occupied; NINA=No Income, No Asset;
SISA=Stated Income, Stated Asset; SIVA=Stated Income, Verified Asset; I/O=Interest Only; F=Fixed Interest Rate; A=Adjustable Rate Mortgage (ARM); B=Both
All parameters on each line are used in combination
with one another — each line represents a specific
loan scenario or credit grade
Type I E A 45
I=Income
E=Employment
A=Assets 45=4506
V=Verified S=Stated
O
V
N
P
R
C FICO %/$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
D
I
S
P
L
AY
D
I
S
P
L
AY
D
I
S
P
L
AY
D
I
S
P
L
AY
D
I
S
P
L
AY
D
I
S
P
L
AY
