Matrix: Prime Niches
Tell lenders you found them in Scotsman Guide
Post your loan: ScotsmanGuide.com/LoanPost Search matrix: ScotsmanGuide.com/PrimeNiches
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: email@example.com. Continued >>
Advancial Federal Credit Union
100K 3M Y Y 1.5M PRC Y Y Y Y Y U Y Y U Y Y Y Y Y Y Y
NATIONWIDE Asset depletion, jumbos to $3M, cash in pocket to $1.5M, non-warrantable condos, co-ops, condotels, foreign national & expats along with
investment properties & hobby farms.
250K 2.5M Y 500K PRC Y Y Y Y
AZ CA CO DC FL MN NC NJ NV OR PA TX UT WA Real-time non-QM pricing & eligibility engine, 24-hour prequals and money-back turn-time guarantees.
300K 10M YY 10M PRC YYYYYYY U Y U YYY YYYY
NATIONWIDE Non-QM jumbo/super-jumbo, niche portfolio lender.
Caliber Home Loans Inc.
425K2.5M 500KPRC YY Y10 4 Y Y Y
NATIONWIDE We're ready for your business! Conventional and portfolio products available. Our products make us different. Our people make us great.
Download broker app today!
Eastern Savings Bank FSB
0 3M YY 3M PRCYYYYYYY U YY U YYYY YYY Y
DE MD NJ N Y PA Specializing in residential and commercial non-QM mortgages. Jumbo loans (call for loans > $3M), NOO and non-warrantable condos.
20K850K 0PR Y YU 5 Y YY
NATIONWIDE Contact us today to find out about all of our Prime Niche products, including the Doctor Loan.
Florida Capital Bank Mortgage
250K 1M Y Y 500K PRC Y Y Y 40 10 Y Y Y Y Y Y
NATIONWIDE except: AK HI ADVANTAGE ARM 5/1 and I/O 5/1 ARM.
Home Point Financial Corp.
30K 2M none PRC Y Y Y
NATIONWIDE except: AR MO UT
75K 2.5M Y Y 2.5M PRC Y Y Y Y Y Y 20 15 Y Y Y Y Y Y Y
AL AZ CA CO DC FL GA HI ID IN MD NC NJ NV OH OR SC TN TX UT VA WA Flexible Newportprogramup to 95% LTV& cash-out upto 90% with NO
MI up to $1.5M. Venice program allows 1-yr seasoning for FC, SS, BK, in our prime first matrix.
LendSure Mortgage Corp.
150K 3M Y Y 500K PRC Y Y Y Y Y 10 Y U Y Y Y Y Y Y Y
AL AR AZ CA CO CT FL GA ID IN MA MD MN NC NH NJ NV NY OH OR PA TN TX UT VA WA LendSure isa wholesale lenderoffering a
comprehensive range of non-QM loan programs for borrowers that don’t fit conforming guidelines.
Pacific Union Financial LLC
0 2M Y none PRC Y Y U Y Y 10 Y Y Y Y
NATIONWIDE except: HI We follow agency guidelines with very few overlays.
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30
LOAN LIMITS CREDIT AND BORROWERS PROPERT Y TYPES LOAN CHARAC TERISTICS
14 Acreage: Max acres (U=Unlimited)
16 Few comparables:
log, dome, modern homes
17 Land and/or lot
18 Manufactured homes
19 Max. of financed properties allowed
21 Non-warrantable condominiums
7 Asset depletion
8 Pledged assets
10 Corporation, trust, LLC,
11 Foreign national,
12 Foreign national,
13 Manual underwriting
22 ARM terms offered
23 Combos available
25 Interest-only ARMs offered
26 No prepayment penalty
27 No-seasoning refinance
28 Portfolio lender
29 Reverse mortgages
30 Second lender combo OK
1 Minimum loan amount ($K)
2 Maximum loan amount ($K)
3 Non-QM, conforming loan amounts
4 Non-QM, jumbo loan amounts
5 Maximum cash-out ($K)
R=rate & term refi
LENDERNAME 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30
The Prime Niches matrix describes
mortgages for credit-worthy borrowers
who meet conventional or non-Qualified-Mortgage (QM) credit guidelines. This
matrix assumes 1-4 unit residential
properties. Maximums may not apply to
all borrowers, properties or loan types.