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Matrix: Nonprime First Mortgages
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HomeXpress Mortgage Corp. NATIONWIDEexcept: AK DE HI IA KY LA MA ME MI MN MO MS MT ND NE NH NM NY OK RI SD VT WV WY
800-216-1723 marketing@homexmortgage.com www.homexmortgage.com
ACoreX OVN PRC 1-4 Y Y Y 36 36 24 0 30 12 700 90 2000 680 90 2000 50 90 10 B 5/6mo. hybrid No MI,non-warrantablecondo
A-CoreX OVN PRC 1-4 Y Y Y 24 24 12 1 30 12 660 85 2000 640 85 2000 50 90 10 B 5/6mo. hybrid Short-termrentals
BCoreX OVN PRC 1-4 Y Y Y 18 24 0 U 30 12 620 80 2000 600 80 2000 50 90 10 B 5/6mo. hybrid Flexibleruralguidelines
B-CoreX OVN PRC 1-4 Y Y Y 12 12 0 U 30 12 580 75 2000 540 75 2000 50 90 10 B 5/6mo hybrid Hybridbankstatements
CCoreX OVN PRC 1-4 Y Y Y 0 0 0 U 30 12 530 65 2000 500 65 2000 50 90 10 B 5/6mo. hybrid Leaseagreementsaccepted
PrimeX OV PRC 1 Y Y Y 24 24 24 1 30 12 700 90 2000 640 85 2000 43 90 10 B 5/6 mo. hybrid Rates starting in the 4s
InvestorXwith DTI VN PRC 1-4 Y Y 24 36 24 0 30 12 680 75 1500 540 70 1500 50 90 10 A 5/6mo. hybrid 6monthsseasoning
InvestorX DSCR N PRC 1-4 24 36 36 0 30 12 660 75 1000 600 70 1000 90 10 A 5/6 mo. hybrid No DSCR program available
Credit scores starting at 500. Loans to $2M. Short-term rental program. Alternative documentation programs. Lease options treated as refi. No DSCR program.
JMAC Lending AL AZ CA CO DC FL GA HI ID IN MD NC NJ NV OH OR SC TN TX UT VA WA
844-888-JMAC (5622) sales@jmaclending.com www.jmaclending.com
Venice OVN PRC 1-4 Y Y 12 12 12 0 0 12 650 50 2500 50 10 A 5/1, 7/1 1 year derogatory credit
Venice OV PRC 1 Y Y 36 36 0 0 12 720 70 1000 720 65 2500 50 10 A 5/1,7/1 6-or12-monthbankstmt.
Venice N PR 1 Y Y 36 36 0 0 12 720 65 2500 650 50 2500 50 10 A 5/1,7/1 DTIupto50%
Venice OVNPRC 1 Y Y Y 36 36 36 0 0 12 75 1000 60 2500 43 A 5/1 Foreignnationalborrower
Sunset N P 1-4 Y 36 36 36 0 0 12 700 80 1000 700 70 1500 B 3/1,5/1,7/1 NINA
Sunset N C 1-4 Y 36 36 36 0 0 12 700 70 1000 640 60 1500 10 B 3/1,5/1,7/1 Unlimitedc/o&propertyowned
Sunset N PRC 1-4 Y Y 36 36 36 0 0 12 70 1000 65 1500 B 3/1, 5/1, 7/1 Foreign national borrower
JMAC offers a wide range of solution options for borrowers with 1 year discharged, 6 to 12 months bank statements for self-employed, up to 50% DTI, I/O, and NINA options for investment transactions.
LendSure Mortgage Corp. AL AR AZ CA CO CT FL GA ID IN MA MD MN NC NH NJ NV NY OH OR PA TN TX UT VA WA
888-910-0360 sales@lendsure.com www.lendsure.com
Super-Prime/Alt-A OV PRC 1-4 Y Y Y 48 48 48 1 30 12 660 90 1000 660 75 3000 50 90 10 B 5/1,7/1
Expanded Approval AA OVN PRC 1-4 Y Y Y Y 36 36 24 0 30 12 680 90 750 680 80 2000 50 90 10 B 5/1,7/1
Expanded Approval A OVN PRC 1-4 Y Y Y Y 24 24 12 U 30 12 640 85 750 640 75 2000 50 85 10 B 5/1,7/1
Expanded Approval BB OVN PRC 1-4 Y Y Y Y 24 24 0 U 60 12 600 80 1000 660 70 1500 50 80 10 B 5/1,7/1
Expanded Approval B OVN PRC 1-4 Y Y Y Y 12 12 0 U 90 12 540 75 750 540 75 750 50 75 10 B 5/1,7/1
ExpandedApprovalC OVNPRC 1-4 Y Y Y Y 0 0 0 U 120 12 500 65 750 500 65 750 50 65 10 B 5/1,7/1
ExpandedInvestor N PRC 1-4 Y Y Y Y 36 36 36 0 30 24 620 65 1000 700 75 1000 50 80 7 B 5/1,7/1
Foreign National VN PRC 1-4 Y Y Y Y 36 36 36 0 30 24 620 75 750 620 60 1000 50 75 7 B 5/1,7/1
LendSure is a wholesale lender offering a comprehensive range of non-QM loan programs for borrowers that don’t fit conforming guidelines.
This matrix should be used to find detailed criteria for first mortgages that do not meet Qualified Mortgage standards.
Please consult the Nonprime 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; BK=Bankruptcy; FC=Foreclosure;
SS=Short Sale; SE=Self-Employed; VA=Verified Assets;
AD=Asset Depletion; I/O=Interest Only; F=Fixed Interest Rate; A=Adjustable Rate Mortage (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
PROGRAM NAME COMMEN TS
O
V
N
P
R
C FICO FICO $K $K LTV% LTV% SE
FULL
DOC BK
#
30s VA FC
#
Days
AD SS
#
Months
OCC PURP
FICO/LTV LOAN AMOUN T CREDIT
MONTHS
SINCE
MTG LATES
#
UNI TS DTI CLTV ARM TERMS
#
YRS
I/O
Fixed,
ARM,
Both
RATE
D
I
S
P
L
AY
D
I
S
P
L
AY
