Matrix: Prime First Mortgages
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Pacific Union Financial LLC NATIONWIDE except: HI
972-827-9216 andy.peach@loanpacific.com www.pacificunionfinancial.com
AgencyConf/HB Full V V V Y O PR 1 620 97/453 620 95/679 50 0 NA F 97-FannieDUonly
Agency Conf/HB Full V V V Y O PR 1 620 90/453 620 90/679 50 0 NA A 5/1, 7/1 Fannie DU only
AgencyConf/HB Full V V V Y O PR 2 620 85/580 620 85/870 50 0 NA F ARMavailable
AgencyConf/HB Full V V V Y O PR 3-4 620 80/871 620 75/1307 50 0 NA F ARMavailable
Agency Conf/HB Full V V V Y O C 1 620 80/453 620 80/679 50 0 NA F 2-4 unit and ARM available
Agency Conf/HB Full V V V Y V PR 1 620 90/453 620 90/679 50 0 NA F Cash-out and ARM available
Agency Conf/HB Full V V V Y N PR 1 620 85/453 620 85/679 50 0 NA F 2-4 unit and ARM available
Agency Conf/HB Full V V V Y N C 1 620 75/453 620 75/679 50 0 NA F 2-4 unit and ARM available
Jumbo Full V V V Y O PR 1 700 80/1500 760 65/2500 43 0/24 65 NA F Cash-outand ARMavailable
Jumbo 2nd Home Full V V V Y V PR 1 700 80/650 720 70/2000 40 0/24 70 NA B 5/1, 7/1, 10/1 Call for more Jumbo options
Jumbo Investment Full V V V Y N PR 1 760 60/1000 38 0/24 60 NA B 5/1, 7/1, 10/1 Call for more Jumbo options
DU refi plus/LPA open access up to 200% LTV/CLTV; MI transfers allowed. Investment condos and Fannie Mae ARMs available. Fannie Mae HomeReady and Freddie Mac Home Possible may be eligible. We underwrite per DU/LPA.
Plaza Home Mortgage Inc. NATIONWIDE
858-346-1208 www.plazahomemortgage.com
Agency Conf Full V V V Y O PR 1 620 95/453 0/12 95 NA B LP ARMs to 95%
Agency Conf Full V V V Y O C 1 620 85/453 0/12 85 NA F No cash-out limit
AgencyConf Full V V V Y V PR 1 620 90/453 0/12 90 NA F
Agency Conf Full V V V Y N P 1 620 85/453 0/12 85 NA B LP ARMs to 85%
LP Home Possible Full V V V Y O PR 1-2 620 95/453 50 0/12 105 NA B DU My Community also available
HARP125 Full V V V Y OV R 1-4 680 125/453 43 0/12 0 NA F DU/LPMItransfersOK
Jumbo Elite Full V V V Y O P 1 720 80/1500 43 0/12 80 NA F ARM also available
Jumbo Elite Full V V V Y O C 1 700 65/1000 43 0/12 65 NA F Loan amount up to $2.5M
We understand that every client is unique and requires a product that meets their specific needs. That’s why we offer a diverse range of purchase and refinance conventional and government loan programs, all under one roof.
PRMG - Paramount Residential Mortgage Group NATIONWIDE except: HI NY WY
951-278-0000 www.prmg.net
Platinum Full V V V Y O PR 1-4 720 70/2500 680 65/1500 39 0 NA B
HomeReady Full V V V Y O PR 1-4 620 97/453 50 0 NA B 95% R/ T; ARM/2-4 lower LTV
High Balance Full V V V Y O PR 1-4 620 95/871 50 0 NA F ARMs/Units avail w/lower LTV
AgencyDUPortfolio Full V V V Y O P 1 620 97/453 50 0 NA F Restrictionsapply
Agency DU Portfolio Full V V V Y O PR 1 0 90/453 0 NA Non-traditional credit
FHLMCSC Full V V V Y N P 1 620 95/679 50 0 NA B
Niche Full V V V Y OV PRC 4 660 90/3000 650 85/3000 43 0 NA B Options to 580 & no seasoning
Fixed 2nds Full V V V Y OV PR 4 720 95/500 680 85/500 43 0 NA F Piggyback 2nd w/ PRMG 1st
PRMG is a national leading lender! “Built by Originators for Originators.” We deliver big on jumbo-purchase, agency-conforming/high-balance and conventional loan products with a high focus on providing the best pricing and service!
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This matrix should be used to find detailed program criteria for first mortgages only.
Please consult the Prime Niches matrix for other program/product information or unusual property/loan characteristics.
LEGEND: P=Purchase; R=Rate and Term Refi; C=Cash-Out Refi; O=Owner-Occupied; V=Vacation Home; N=Non-Owner-Occupied; NINA=No Income, No Asset;
SISA=Stated Income, Stated Asset; SIVA=Stated Income, Verified Asset; I/O=Interest Only; F=Fixed Interest Rate; A=Adjustable Rate Mortgage (ARM); B=Both
All parameters on each line are used in combination
with one another — each line represents a specific
loan scenario or credit grade
Type I E A 45
I=Income
E=Employment
A=Assets 45=4506
V=Verified S=Stated
O
V
N
P
R
C FICO %/$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
