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.
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 NY PA Specializing in residential and commercial non-QM mortgages. Jumbo loans (call for loans > $3M), NOO and non-warrantable condos.
10K 1M none PC Y Y U 5 YY Y Y
NATIONWIDE except: TX Contact us today to find out about all of our Prime Niche products, including the Home Equity Line of Credit (HELOC).
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 $1.5M. Venice program allows 1-yr seasoning for FC, SS, BK, in our prime first matrix.
LendSure Mortgage Corp.
150K 3M Y Y 500K PRC Y Y Y Y Y 10 Y U Y Y Y Y Y Y Y
NATIONWIDE except: AK DE HI IA KS KY LA ME MO MS MT ND NE NM OK SD VT WI WV WY LendSure isa wholesale lenderoffering a
comprehensive range of non-QM loan programs for borrowers that don’t fit conforming guidelines.
Plaza Home Mortgage Inc.
0 2M none PRC 10 Y
NATIONWIDE We understand that every client is unique and requires a product that meets their specific needs. That is why we offer a diverse range of purchase
and refinance programs.
PRMG - Paramount Residential
30K 3M Y Y 750K PRC Y Y Y Y Y 40 Y Y 10 Y Y Y Y Y Y Y Y
NATIONWIDE except: NY WY
Valley West Mortgage
50K 3M YY500K PRCYYYYYYY U YYYY U YYYYYYYYYYY
AL AZ CA CO DC FL ID LA MD NJ NM NV OR PA TN UT VA WA Valley West Mortgage - mortgage products beyond the traditional. Call Barbara Green to
discuss your program options at 775-375-8747. Dedicated to helping you meet your goals.
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30
LOAN LIMITS CREDIT AND BORROWERS PROPERT Y TYPES LOAN CHARAC TERISTICS
14 Acreage: Max acres (U=Unlimited)
16 Few comparables:
log, dome, modern homes
17 Land and/or lot
18 Manufactured homes
19 Max. of financed properties allowed
21 Non-warrantable condominiums
7 Asset depletion
8 Pledged assets
10 Corporation, trust, LLC,
11 Foreign national,
12 Foreign national,
13 Manual under writing
22 ARM terms offered
23 Combos available
25 Interest-only ARMs offered
26 No prepayment penalty
27 No-seasoning refinance
28 Portfolio lender
29 Reverse mortgages
30 Second lender combo OK
1 Minimum loan amount ($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.