Matrix: Prime First Mortgages
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Eastern Savings Bank FSB DE MD NJ NY PA
800-787-LOAN (5626) email@example.com www.esbportfolioloans.com
Portfolio ARM Full V V V Y O P 1-4 660 85/3000 45 4/12 85 NA A 5/1, 7/1, 10/1 SFR. Greater loan amts. avail.
Portfolio ARM Full V V V Y VN P 1-4 660 80/3000 45 4/12 80 NA A 5/1, 7/1, 10/1 SFR. Greater loan amts. avail.
Portfolio ARM Full V V V Y OVN RC 1-4 660 80/3000 45 4/12 80 NA A 5/1, 7/1, 10/1 SFR. Greater loan amts. avail.
Portfolio Fixed Full V V V Y O P 1-4 660 85/3000 45 4/12 85 NA F SFR. Greater loan amts. avail.
Portfolio Fixed Full V V V Y VN P 1-4 660 80/3000 45 4/12 80 NA F SFR. Greater loan amts. avail.
Portfolio Fixed Full V V V Y OVN RC 1-4 660 80/3000 45 4/12 80 NA F SFR. Greater loan amts. avail.
Portfolio ARM Full V V V Y O P 1 660 80/3000 45 4/12 80 NA A 5/1, 7/1, 10/1 Condos. Co-ops 75% LTV
Portfolio ARM Full V V V Y O RC 1 660 75/3000 45 4/12 75 NA A 5/1, 7/1, 10/1 Condominiums and Co-ops
Specialize in residential and commercial non-qualifying mortgages including jumbo loans (call for higher loan amounts), NOO and non-warrantable condos. We offer blanket, bridge, cross-lien mortgages and flexible
underwriting. No seasoning requirements.
Flagstar Bank NATIONWIDE
Conforming Fixed Full V V V OVN PRC 1-4 620 97/424 0 NA F AUS approve/accept
Conforming ARM Full V V V OVN PRC 1-4 620 95/424 0 NA A 3, 5, 7, 10/1 AUS approve/accept
Conform High Bal Full V V V OVN PRC 1-4 620 95/636 0 NA B 3/1,5/1,7/1 AUS approve/accept
HomeReady Full V V V O PR 1-4 620 97/424 0 NA F DUapproveeligible
HomeStyle Full V V V OVN PR 1-2 700 95/636 680 80/636 0 NA F DUapproveeligible
Jumbo Fixed Full V V V OV PRC 1-2 760 85/1000 720 70/2500 43 0 NA F MI not required
Jumbo ARM Full V V V OV PRC 1-2 700 90/650 740 70/3000 43 0 NA A 5/1,7/1
1X Construction Full V V V O PR 1 720 90/636 720 90/453 0 NA F DU approve eligible
For the last 30 years, Flagstar has been an industry-leading mortgage lender in correspondent, wholesale, warehouse and subservicing arena. Put our experience to work for you today.
Florida Capital Bank NATION WIDE except: AK HI
617-899-1428 firstname.lastname@example.org www.flcbmtg.com
Conforming Fix/ARM Full V V V Y OVN PRC 1-4 620 95/453 0 NA B 5/1, 7/1, 10/1 AUS approved eligible
FHA/VA Full V V V Y O PRC 1-4 620 0 NA F AUSapprovedeligible
HReady/HPA Full V V V Y O PR 1 640 97/453 0 NA F LPMIavailable
Preferred Jumbo Full V V V Y OV PRC 1 700 80/1000 40 0 NA A 5, 7, 10 & 5, 7 IO 60% LTV up to $3M
Jumbo Fix/ARM Full V V V Y OVN PRC 1-4 661 90/1000 43 0 NA B 5/1, 7/1, 10/1
203(k) Full V V V Y O PR 1-4 620 97/484 50 0/12 97 NA F Limited/Standard HBok
1xConstruction Full V V V Y O PR 1 680 95/484 45 0 NA F DUapprovedeligible
Check out our new products and pricing. Now offering a 15-year fixed 2nd mortgage product with a CLTV to 95%.
This matrix should be used to find detailed program criteria for first mortgages only.
Please consult the Prime Niches matrix for other program/product information or unusual property/loan characteristics.
LEGEND: P=Purchase; R=Rate and Term Refi; C=Cash-Out Refi; O=Owner-Occupied; V=Vacation Home; N=Non-Owner-Occupied; NINA=No Income, No Asset;
SISA=Stated Income, Stated Asset; SIVA=Stated Income, Verified Asset; I/O=Interest Only; F=Fixed Interest Rate; A=Adjustable Rate Mortgage (ARM); B=Both
All parameters on each line are used in combination
with one another — each line represents a specific
loan scenario or credit grade
Type I E A 45
C FICO %/$K %/$K %/$K FICO
F/A/B ARM Terms
LTV / LOAN AMOUN T
Combinations tied to different scores
DTI LTV / LOAN AMOUN T
DOCUMEN TATION MTG
UNITS PROGRAM NAME