D
I
S
P
L
AY
D
I
S
P
L
AY
D
I
S
P
L
AY
D
I
S
P
L
AY
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.
360 Mortgage Group LLC NATIONWIDEexcept: AK AL AR DE HI MS MT ND NE NH NJ NY PA RI SD VT WI WV
866-418-2997 www.360mtg.com
Agency Conf Full V V V Y O PR 1 95/424 0 NA F DU/LPApprove/Eligible
Agency Conf Full V V V Y O PR 2 80/543 0 NA F DU/LPApprove/Eligible
Agency Conf Full V V V Y O PR 3-4 75/815 0 NA F DU/LPApprove/Eligible
Agency Conf Full V V V Y V PR 1 80/424 0 NA F DU/LPApprove/Eligible
Agency Conf Full V V V Y N PR 1 80/424 0 NA F DU/LPApprove/Eligible
Agency Conf Full V V V Y N PR 2-4 75/815 0 NA F DU/LPApprove/Eligible
AgencyC/O Full V V V Y O C 1 80/424 0 NA F DU/LPApprove/Eligible
DU Refi + Full V V V Y OVN R 1-4 200/1223 0 NA F No min. FICO; unlimited LTV
Texas 50(a)( 6) loans not eligible on C/O ARMs.
BofI Federal Bank NATIONWIDE
888-410-3522 www.bofifederalbank.com
Portfolio ARM Full V V V Y O P 1-4 680 70/2000 65/3000 680 60/5000 40 0 5 A Condomax65%LTV
Portfolio ARM Full V V V Y O C 1-4 680 70/1000 65/2000 680 60/3000 40 0 5 A Condomax65%LTV
Portfolio ARM Full V V V Y V P 1-4 680 65/1000 60/2000 680 55/3000 40 0 5 A LTV 5% less in AZ, FL
Portfolio ARM Full V V V Y V C 1-4 680 60/1000 55/2000 680 50/3000 40 0 5 A LTV 5% less in AZ, FL
Portfolio ARM Full V V V Y N P 1-4 680 60/1000 55/2000 680 50/3000 40 0 5 A C/O max 15% of loan amt.
Portfolio ARM Full V V V Y N C 1-4 680 55/1000 50/2000 680 45/3000 40 0 5 A C/O max 15% of loan amt.
We offer jumbo and super-jumbo exception-based lending with loan amounts to $10M. Fixed-rate jumbo, warehouse lines and commercial transactions also available. Find your broker or correspondent application online at
www.bofifederalbank.com.
Carrington Mortgage Services LLC NATIONWIDEexcept: AK HI MA ND SD VT
866-453-2400 www.carringtonwholesale.com
Conventional Full V V V Y OVN PRC 1-4 620 95/417 85/533 620 75/801 50 95 NA F AUSApproved/Eligible
Cash-out Full V V V Y OVN C 1-4 620 80/417 75/533 620 75/801 50 80 NA F AUSApproved/Eligible
High Balance Full V V V Y OVN PRC 1-4 620 90/625 75/800 620 75/1202 90 NA F AUSApproved/Eligible
LPMI Full V V V Y ON PRC 1 620 95/417 90/625 95 NA F Evaluatedby LP
Texas Full V V V Y O RC 1 620 80/417 80 NA F EvaluatedbyLP
DU Refi Plus Full V V V Y OVN R 1-4 680 135/417 620 100/417 135 NA F Evaluated by DU
OpenAccess Full V V V Y ON R 1-4 660 135/417 620 105/417 135 NA F Evaluatedby LP
Bring your loans home to Carrington. Conforming, high balance, LPMI, Texas, Du Refi Plus and Open Access. Great rates, easy submission and our easy-to-use loan portal always available. Check out our fast turn times!
Eastern Savings Bank FSB DE MD NJ NY PA
800-787-LOAN (5626) mortgages@easternsavingsbank.com www.esbportfolioloans.com
Portfolio ARM Full V V V Y O P 1-4 660 85/3000 45 4/12 85 NA A 5/1, 7/1, 10/1 SFR. Greater loan amts. avail.
Portfolio ARM Full V V V Y VN P 1-4 660 80/3000 45 4/12 80 NA A 5/1, 7/1, 10/1 SFR. Greater loan amts. avail.
Portfolio ARM Full V V V Y OVN RC 1-4 660 80/3000 45 4/12 80 NA A 5/1, 7/1, 10/1 SFR. Greater loan amts. avail.
Portfolio Fixed Full V V V Y O P 1-4 660 85/3000 45 4/12 85 NA F SFR. Greater loan amts. avail.
Portfolio Fixed Full V V V Y VN P 1-4 660 80/3000 45 4/12 80 NA F SFR. Greater loan amts. avail.
Portfolio Fixed Full V V V Y OVN RC 1-4 660 80/3000 45 4/12 80 NA F SFR. Greater loan amts. avail.
Portfolio ARM Full V V V Y O P 1 660 80/3000 45 4/12 80 NA A 5/1, 7/1, 10/1 Condos. Co-ops 75% LTV
Portfolio ARM Full V V V Y O RC 1 660 75/3000 45 4/12 75 NA A 5/1, 7/1, 10/1 Condominiums and Co-ops
Specialize in residential and commercial non-qualifying mortgages including jumbo loans (call for higher loan amounts), NOO and non-warrantable condos. We offer blanket, bridge, cross-lien mortgages and flexible
underwriting. No seasoning requirements.
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
