Matrix: Prime First Mortgages
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Florida Capital Bank Mortgage NATION WIDE except: AK HI
617-899-1428 alefebvre@flcb.com flcbmtg.mortgagebotlos.com
Conforming Fixed Full V V V Y OVN PRC 1-4 620 95/453 0 NA F AUS approved eligible
Conforming ARM Full V V V Y OVN PRC 1-4 620 95/453 0 NA A 5/1, 7/1, 10/1 AUS approved eligible
HomeReady Full V V V Y O PR 1 660 97/453 0 NA F LPMIavailable
Home Possible Full V V V Y O PR 1 660 97/453 0 NA F LPMIavailable
FHA/VA Full V V V Y O PRC 1-4 620 0 NA F AUSapprovedeligible
Jumbo Fixed Full V V V Y OVN PRC 1-4 661 90/1000 43 0 NA F
Jumbo ARMs Full V V V Y OVN PRC 1-4 661 90/1000 43 0 NA A 5/1, 7/1, 10/1
1xConstruction Full V V V Y O PR 1 680 95/453 45 0 NA F DUapprovedeligible
Home Point Financial Corp. NATIONWIDE except: AR MO UT
866-400-1362 clientservices@homepointfinancial.com www.hpftpo.com
Conv Conf/Hi Bal Full V V V Y OVN PRC 1-4 620 97/424 95/636 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 97/424 95/636 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 Prem FRM/ARM Full V V V Y OVN PRC 1-4 680 85/2000 43 0 NA B 5/1,7/1,10/1 Competitive pricing
Jumbo Select FRM/ARM Full V V V Y OVN PRC 1-4 700 70/1000 43 0 NA B 5/1,7/1,10/1 Competitive pricing
Jumbo Choice FRM/ARM Full V V V Y OVN PRC 1-4 661 80/1500 680 75/2000 43 0 NA B 5/1,7/1,10/1 Competitivepricing
Home Possible Full V V V Y ON PR 1-4 620 95/424 0 NA B 5/1,7/1,10/1 Flexibledownpayment
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 AL AZ CA CO DC FL GA HI ID IN MD NC NJ NV OH OR SC TX UT VA WA
844-888-JMAC (5622) sales@jmaclending.com www.jmaclending.com
JMAC Conf Full V V V Y N C 1 620 80/453 50 0/12 85 0 B Subject to AUS approval
JMAC Conf Full V V V Y O PR 1 620 97/453 43 0/12 95 0 B Subject to AUS approval & MI
HB-Conf Full V V V Y O PR 1 700 90/701 680 80/701 45 0/12 90 NA B SubjecttoAUSapproval&MI
HB-Conf Full V V V Y O C 1 720 60/701 50 0/12 65 NA B DTI subject to AUS
HBLP-Conf Full V V V Y O PR 1 660 80/701 720 90/701 50 0/12 90 NA F 2 units at 70% max.
Open Access Full V V V Y O PR 1 680 125/453 620 105/453 50 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%maxDTI35%,else43%
HBLP-Conf Full V V V Y N R 1-4 700 75/701 45 0/12 75 NA F DTIsubjecttoAUS
HBLP-Conf Full V V V Y N R 1-4 700 75/701 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 Unlimitedc/o,upto50%DTI
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 I/O option over 30 or 40 year amortization - with no MI.
Jumbo loan amount up to $5M. Please contact us for more details.
This matrix should be used to find detailed program criteria for first mortgages only.
Please consult the Prime Niches matrix for other program/product information or unusual property/loan characteristics.
LEGEND: P=Purchase; R=Rate and Term Refi; C=Cash-Out Refi; O=Owner-Occupied; V=Vacation Home; N=Non-Owner-Occupied; NINA=No Income, No Asset;
SISA=Stated Income, Stated Asset; SIVA=Stated Income, Verified Asset; I/O=Interest Only; F=Fixed Interest Rate; A=Adjustable Rate Mortgage (ARM); B=Both
All parameters on each line are used in combination
with one another — each line represents a specific
loan scenario or credit grade
Type I E A 45
I=Income
E=Employment
A=Assets 45=4506
V=Verified S=Stated
O
V
N
P
R
C FICO %/$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