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JMAC Lending AL AZ CA CO DC FL GA HI MD NC NJ NV OH OR TN TX UT VA WA
844-888-JMAC (5622) sales@jmaclending.com www.jmaclending.com
FHA30 Full V V V Y O P 1-4 580 96.5/417 620 96.5/625 55 0/12 2 1 3 1.75 B FICO580
FHA30 Full V V V Y O C 1-4 580 85/417 620 85/625 55 0/12 2 1 3 1.75 B FICO580
FHA 30 No Ratio N V V ON R 1-4 600 97.75/729 660 97.75/729 0/12 2 1 3 1.75 B NOO req. FICO 660
VA Full V V V Y O PC 1-4 580 100/417 620 100/1000 55 0/12 2 1 3 B FICO580;640C/O
VA NoRatio N V V N R 1-4 660 0/12 2 1 3 B FICO580
VA No Ratio N V V O R 1-4600 620 0/12 2 1 3 1.75 B NOO req. FICO 660
JMAC offers manual underwriting. The minimum FICO is 580. There is no payment shock restriction on purchase transaction and no DTI overlay. JMAC lends on the max loan amount allowed based on county/state.
For VA, up to $1M.
LoanStream AZ CA CO DC FL GA IL IN KY LA MA MD MI MN NJ NM NV OH OK OR TX UT WA WI
800-760-1833 ezqual@lswholesale.com www.lswholesale.com
FHA R/ T Refi Full V V V Y O R 1-4 580 97.5/422 580 97.5/625 55 97. 5 0/12 2 2 3 3 1.75 B County loan limits apply
PortfolioFHA/VA Full V V V Y O PRC 1-4 580 96.5/422 620 96.5/625 55 103 0/12 3 3 3 3 1.75 B CHDAPforbrokers
FHAC/ORefi Full V V V Y O RC 1-4 620 95/422 620 85/625 50 95 0/12 2 2 3 3 1.75 B Countyloanlimitsapply
FHAPurchase Full V V V Y O P 1-4 580 96.5/422 580 96.5/625 55 96. 5 0/12 2 2 3 3 1.75 B Countyloanlimitsapply
Streamline NoRatio N V V OVN R 1-4 580 100/422 580 100/625 0 100 0/12 2 2 3 3 1.75 F Countyloanlimitsapply
VAPurchase Full V V V Y O P 1-4 580 100/422 580 100/625 55 100 0/12 2 2 2 2 3. 3 B Countyloanlimitsapply
VACash-out Full V V V Y O R 1-4 580 100/422 580 100/625 50 100 0/12 2 2 2 2 3. 3 B M.U/W
VAIRRRL Full V V V Y O R 1-4 580 100/422 580 100/625 0 100 0/12 2 2 2 2 0.5 B M.U/W
VAJumboPurchase Full V V V Y O P 1-4 620 90/1500 50 90 0/12 2 2 2 2 3. 3 B Approve/eligibleonly
OCMBC Inc. dba LoanStream NMLS No. 2125
Pacific Union Financial LLC NATION WIDE except: HI
972-827-9216 andy.peach@loanpacific.com www.pacificunionfinancial.com
FHAStdConf/HB Full V V V Y O P 1-4 620 96.5/815 620 96.5/1223 0/12 2 1 3 3 1.75 B
FHASpecConf Full V V V Y O P 1-4 560 90/815 580 96.5/815 0/12 2 1 3 3 1.75 F High-balanceallowed
FHAR/TSpecConf Full V V V Y O R 1-4 560 90/815 580 97.75/815 0/12 2 1 3 3 1.75 F
FHACash-outSpec Full V V V Y O C 1-4 560 75/815 600 80/815 0/12 2 1 3 3 1.75 F Seecash-outguidelines
FHA Cred Qual Strm Full V V V Y OVN R 1-4 560 90/815 620 0/12 2 1 3 F Non-cred qual strm allowed
VAConforming Full V V V Y O P 1-4 560 100/424 620 100/424 100 1/12 2 1 2 B SeeVAhigh-balguidelines
VA IRRRL Spec Conf No Ratio N V V OVN R 1-4 100/424 100/1200 100 0.50 B
USDA Full V V V Y O P 1 581 100/424 50 100 0/12 3 1 3 2.75 F Streamlined-assistallowed
FHA/VA/USDA min. FICO 560; minimal trade lines accepted, manufactured housing, FHA/VA/USDA manual U/ W.
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; F=Fixed Interest Rate; A=Adjustable Rate Mortage (ARM); B=Both
Note: 2017 Fannie Mae/Freddie Mac loan limits: 1 = $424, 100; 2 = $543,000; 3 = $656,350; 4 = $815,650
(AK, Guam, HI & U.S. Virgin Islands = 50% higher)
All parameters on each line are used in combination
with one another — each line represents a specific
loan scenario or credit grade
FICO%/$K %/$K FICO
Ratio
%
30s
in the
Last
Mo
to
%
Ch 7
BK
Disch
Upfront
MI
Max
%
Ch 13
BK
File
Fore
Satis
Short
Sale
Min Yrs Since
Fixed,
ARM,
Both Type I E A 45
I=Income
E=Employment
A=Assets 45=4506
V=Verified S=Stated
DOCUMENTATION
PROGRAM NAME
O
V
N
P
R
C
OCC PURP
#
UNITS COMMENTS
LTV / LOAN AMOUNT COMBINATIONS
CLTV
RATE
DTI
M TG
LATES
BANKRUPTCY/
FORECLOSURE
M TG
INSUR-
ANCE
D
I
S
P
L
AY
D
I
S
P
L
AY
D
I
S
P
L
AY
D
I
S
P
L
AY
