Matrix: Prime First Mortgages
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Carrington Mortgage Services LLC NATION WIDE except: MA ND
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
HighBalance 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 EvaluatedbyLP
Texas Full V V V Y O RC 1 620 80/417 80 NA F Evaluatedby LP
DU Refi Plus Full V V V Y OVN R 1-4 680 135/417 620 100/417 135 NA F Evaluated by DU
Open Access 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, HomeReady and more. Great rates, easy submission with BrokerIQ, 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) firstname.lastname@example.org 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.
Flagstar Bank NATIONWIDE
Conforming Fixed Full V V V OVN PRC 1-4 620 97/424 0 NA F AUS approve/accept
Conforming ARM Full V V V OVN PRC 1-4 620 95/424 0 NA A 3, 5, 7, 10/1 AUS approve/accept
Conform High Bal Full V V V OVN PRC 1-4 620 95/636 0 NA B 3/1,5/1,7/1 AUS approve/accept
HomeReady Full V V V O PR 1-4 620 97/424 0 NA F DUapproveeligible
HomeStyle Full V V V OVN PR 1-2 700 95/636 80/636 680 0 NA F DUapproveeligible
Jumbo Fixed Full V V V OV PRC 1-2 760 85/1000 70/2500 720 43 0 NA F MI not required
Jumbo ARM Full V V V OV PRC 1-2 700 90/650 70/3000 740 43 0 NA A 5/1, 7/1
1X Construction Full V V V O PR 1 700 90/636 90/424 680 0 NA F Ratios per DU approve eligible
For the last 30 years, Flagstar has been an industry-leading mortgage lender in correspondent, wholesale, warehouse and subservicing arena. Put our experience to work for you today.
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
C FICO %/$K %/$K %/$K FICO
F/A/B ARM Terms
LTV / LOAN AMOUN T
Combinations tied to different scores
DTI LTV / LOAN AMOUN T
DOCUMEN TATION MTG
UNITS PROGRAM NAME