D
I
S
P
L
AY
D
I
S
P
L
AY
D
I
S
P
L
AY
D
I
S
P
L
AY
D
I
S
P
L
AY
D
I
S
P
L
AY
Matrix: Prime First Mortgages
Post your loan: ScotsmanGuide.com/LoanPost Search matrix: ScotsmanGuide.com/Prime1st
Tell lenders you found them in Scotsman Guide
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: matrixfeedback@scotsmanguide.com.
BofI Federal Bank NATIONWIDE
888-410-3522 www.bofifederalbank.com
Portfolio ARM Full V V V Y O P 1-4 680 70/2000 65/3000 680 60/5000 40 0 5 A Condomax65%LTV
Portfolio ARM Full V V V Y O C 1-4 680 70/1000 65/2000 680 60/3000 40 0 5 A Condomax65%LTV
Portfolio ARM Full V V V Y V P 1-4 680 65/1000 60/2000 680 55/3000 40 0 5 A LTV 5% less in AZ, FL
Portfolio ARM Full V V V Y V C 1-4 680 60/1000 55/2000 680 50/3000 40 0 5 A LTV 5% less in AZ, FL
Portfolio ARM Full V V V Y N P 1-4 680 60/1000 55/2000 680 50/3000 40 0 5 A C/O max 15% of loan amt.
Portfolio ARM Full V V V Y N C 1-4 680 55/1000 50/2000 680 45/3000 40 0 5 A C/O max 15% of loan amt.
We offer jumbo and super-jumbo exception-based lending with loan amounts to $10M. Fixed-rate jumbo, warehouse lines and commercial transactions also available. Find your broker or correspondent application online at
www.bofifederalbank.com.
Caliber Home Loans NATIONWIDE
newclientinquiry@caliberhomeloans.com www.caliberwholesale.com
Conforming Fixed Full V V V OVN PRC 1-4 620 97/424 97 NA F subject to AUS & MI approval
Conforming ARM Full V V V OVN PRC 1-4 620 95/424 95 NA A 3/1, 5/1, 7/1 subject to AUS & MI approval
High Balance Fixed Full V V V OVN PRC 1-4 620 95/636 95 NA F subject to AUS & MI approval
High Balance ARM Full V V V OVN PRC 1-4 620 95/636 95 NA A 5/1, 7/1, 10/1 subject to AUS & MI approval
DU RefiPlus Full V V V OVN R 1-4 620 125/424 0 NA F subject to AUS & MI approval
Home Possible Fixed Full V V V O PR 1-4 620 97/424 105 NA F subject to AUS & MI approval
Relief Refi Fixed Full V V V OVN R 1-4 620 125/424 0 NA F subject to AUS & MI approval
HomeReady Fixed Full V V V O PR 1-4 620 97/424 97 NA F subject to AUS & MI approval
We’re ready for your business! Caliber has a full suite of loan products to fit your borrowers’ needs, including conventional and portfolio loan options. Our products make us different. Our people make us great.
Download the broker application online today!
Carrington Mortgage Services LLC NATION WIDE except: MA ND
866-453-2400 www.carringtonwholesale.com
Conventional Full V V V Y OVN PRC 1-4 620 95/417 85/533 620 75/801 50 95 NA F AUSapproved/eligible
Cash-out Full V V V Y OVN C 1-4 620 80/417 75/533 620 75/801 50 80 NA F AUSapproved/eligible
High Balance Full V V V Y OVN PRC 1-4 620 90/625 75/800 620 75/1202 90 NA F AUSapproved/eligible
LPMI Full V V V Y ON PRC 1 620 95/417 90/625 95 NA F Evaluatedby LP
Texas Full V V V Y O RC 1 620 80/417 80 NA F EvaluatedbyLP
DU Refi Plus Full V V V Y OVN R 1-4 680 135/417 620 100/417 135 NA F Evaluated by DU
OpenAccess Full V V V Y ON R 1-4 660 135/417 620 105/417 135 NA F Evaluatedby LP
Bring your loans home to Carrington. Conforming, high balance, LPMI, HomeReady and more. Great rates, easy submission with BrokerIQ, our easy-to-use loan portal always available. Check out our fast turn times!
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
I=Income
E=Employment
A=Assets 45=4506
V=Verified S=Stated
O
V
N
P
R
C FICO %/$K %/$K %/$K FICO
Ratio
%
Mtg
Lates
30s
in the
Last
Mo
to
%
I/O
Period
Yrs
Fixed,
ARM,
Both
F/A/B ARM Terms
LTV / LOAN AMOUN T
Combinations tied to different scores
COMMENTS
CLTV
OCC PURP
DTI LTV / LOAN AMOUN T
DOCUMEN TATION MTG
LATES
#
UNITS PROGRAM NAME
