Lender scenario: ltv-related -- low score high ltv
aames home loans
90% @ 550
http://www.aamesdirect.com
chapel funding
95% on non-score driven program
http://www.chapelfunding.com
concorde acceptance
95% @ 540 full doc (not for fthb)
http://www.concordebroker.com
decision one
http://www.d1online.com
delta
90/5/5 @ 550
http://www.deltafunding.com
equity financial, inc.
95% @ 500
800-562-5626
fieldstone mortgage company
90% @ 500
http://www.fmcmortgage.com/brokers
freemont
90%/5%/5% @ 560
http://www.1800freemont.com/wholesale
lendmark financial services
95% @ 540 using high-score
http://www.lendmarkfinancial.com
long beach
100% @ 575
http://longbeachmortgage.com/modules/broker
meritage
100% @ 575
http://www.emeritage.com
mila
100% @ 560
95% @ 540
http://www.mila.com
mln
100% @ 580
http://www.mlnusa.com/brokers
prmi funding
95% @ 540 with exception
http://www.prmifunding.com
us bank
100% @ 525 on exception basis
http://www.usbank.com/brokerloans
Lender scenario: ltv-related -- stated high ltv
1st choice mortgage
100% @ 620 niv / niq
az, ca, co, id, hi, mn, mt, nm, nv, or, sc, ut, wa, wy
http://www.1stchoicemortgage.biz
aames home loans
100% @ 620 stated w/e; no 4506; verbal voe; 6% seller paid costs; private vors
http://www.aamesdirect.com
accredited home lenders
100% (80/20) @ 620, 90% @ 580
http://www.accredhome.com
acoustic home loans
100% @ 620, 90% @ 540
http://www.acoustichomeloans.com
bay capital corporation
100% @ 620 stated, private vor, 2 trades 12 months with $1k high balance
http://www.baycapitalcorp.com/wholesale
bnc
100% @ 620 stated w/e
http://www.bnc.com
concorde acceptance
95% @ 580 stated s/e or w/e
http://www.concordebroker.com
equifirst
95% @ 600
http://www.equifirst.com
expanded mortgage credit
100% (80/20) @ 620, 95% @ 600, 90% @ 580 and 85% @ 525 stated w/e
http://www.emcsouth.com
first banc
100% (80/20) @ 640 / 100% (1 loan) @ 650, 95% @ 620, 90% @ 580 stated w/e
http://www.firstbanchomemortgage.com
first consolidated
100% @ 620 stated, no doc 95% @ 620
http://www.fcmcw.com
franklin direct
100% @ 600 stated w/e
http://www.franklin-mtg.com/brokers.php
impac lending
100% @ 681 stated
http://www.impaclending.com
mila
100% @ 640 stated w/e
http://www.mila.com
novastar
90% @ 580
http://www.novastaris.com
pemmtek
100% (80/20) @ 620 stated w/e; i/o available on first
http://www.pemmtek.com
people's choice home loan
100% (80/20) @ 600
http://www.flexqual.com
platinum capital group
95% @ 620
http://www.platinumcapital.com
sebring capital
http://www.sebringcapital.com
sunset direct lending
can go 12 month bank statements for full-doc
http://www.sunsetdirectlending.com
the mortgage store
100% (80/20) @ 620; i/o first; seller 6% nrcc; stated w/e
95% full doc and 90% siva with subprime product
95% (80/15) @ 640 on 1-4 units n/o/o, both s/e and w/e
http://www.themortgagestore.net
the mortgage warehouse
http://www.tmwonline.net
westworks
95% @ 600
90% @ 580
http://www.westworksmtg.com
Lender scenario: ltv-related -- 100%
1st choice mortgage
103% @ 600
az, ca, co, id, hi, mn, mt, nm, nv, or, sc, ut, wa, wy
http://www.1stchoicemortgage.biz
bankers express
http://www.bankersexpress.com
corcorde acceptance
http://www.concordebroker.com
crevecor
full doc @ 580 1 year out of bankruptcy
full doc @ 620 with no active trades
stated (s/e or w/e) @ 640
http://www.crevecor.com
countrywide
100% @ 580 full doc
100% @ 600 with 12 months bank statements
100% @ 640 stated (w2 & s/e)
http://www.cwbc.com
empire mortgage
http://www.empiremortgagecorp.com
entrust mortgage
http://www.entrustmtg.com
finance america
http://www.financeamerica.com
first banc
http://www.firstbanchomemortgage.com
first franklin
http://www.ff.com
first regency
franklin direct
http://www.franklin-mtg.com/brokers.php
greenpoint
http://www.greenpointwholesale.com
impac lending
http://www.impaclending.com
pemmtek
100% @ 580
http://www.pemmtek.com
people's choice home loan
http://www.flexqual.com
westworks
http://www.westworksmtg.com
Lender scenario: ltv-related -- 125%
concord acceptance
http://www.concordebroker.com
homecomings
http://www.hfwholesale.com
irwin home equity
http://www.ihepartners.com
master financial
640+
http://www.mfiloans.com
resource mortgage
660+
888-458-1088
secured funding
http://www.securedwholesale.com
us bank
heloc or fixed @ 680
http://www.usbank.com/broklerloans
Lender scenario: ltv-related -- 125% seconds
aegis
http://www.aegisfunding.com
concorde acceptance
http://www.concordebroker.com
dollar mortgage corporation
http://www.dmccapital.com
first horizon
http://www.firsthorizonwholesale.com
irwin home equity
http://www.ihepartners.com
m&i
http://www.mihomelendingsolutions.com
master financial
http://www.mfiloans.com
major mortgage
trust one
http://www.trustone.com
us bank
http://www.usbank.com/brokerloans
western t & l
http://www.wt-l.com
wmc
http://www.wmcdirect.com
Lender scenario: ltv-related -- 115%
accredited home lenders
1 year seasoning, @ 640, full doc
http://www.accredhome.com
crevecor
100/15, 95/20 or 90/25 @ 640 with no active tradelines
6 months seasoning on refis
http://www.crevecor.com
first franklin
http://www.ff.com
Lender scenario: ltv-related -- 107%
1st choice mortgage
107% @ 680
az, ca, co, id, hi, mn, mt, nm, nv, or, sc, ut, wa, wy
http://www.1stchoicemortgage.biz
concorde acceptance
purchase or refi
http://www.concordebroker.com
homecomings
http://www.hfwholesale.com
homeland capital group
http://www.homecapgroup.com
westworks
http://www.westworksmtg.com
Lender scenario: ltv-related -- second homes 100%
bay capital
888-600-3001
concord acceptance
107% @ 680 & 100% @ 600, full doc; sisa, siva or no ratio @ 620
http://www.concordebroker.com
equibanc mortgage
http://www.equibanc.com
major mortgage
800-457-4556
national wholesale funding
107% @ 680, 100% @ 600
http://www.nwfmortgage.com
pemmtek mortgage
100% (80/20) @ 620, i/o
http://www.pemmtek.com
prmi funding
100% @ 720, full doc
http://www.prmifunding.com
sebring capital
100% @ 600
http://www.sebringcapital.com
the mortgage warehouse
no rural
http://www.tmwonline.net
westworks
http://www.westworksmtg.com
Lender scenario: ltv-related -- rural properties 100%
accredited home lenders
http://www.accredhome.com
centex home equity
100% rural down to 580 score with 5 acres, comps within 5 miles, can go back 24 months for comps
http://www.checbroker.com
chapel funding
max 40 acres
http://www.chapelfunding.com
chase rural
http://www.wholesalechase.com
concord acceptance
100% full doc, 90% stated
http://www.concordebroker.com
equifirst
http://www.equifirst.com
finance america
85% up to 50 acres used as residential property
http://www.financeamerica.com
national wholesale funding
100% for rural, 5 acres max
http://www.nwfmortgage.com
new state mortgage
go 15 miles on comparables
http://www.newstatemtg.com
resource mortgage
@ 580
888-458-1088
specialty mortgage
modular ok; 80% on manufactured
http://www.smcmtg.com
the mortgage warehouse
100% up to 10 acres, 6% seller
http://www.tmwonline.net
united midwest savings bank
800-686-2052
http://www.umwsb.com
Lender scenario: ltv-related -- n/o/o 100%
acoustic home loans
100%
http://www.acoustichomeloans.com
aegis
http://www.aegisfunding.com
aurora
80/20 i/o on first; stated @ 720
max of 4 investment properties
http://www.alservices.com/broker
bankers wholesale
brokersedge lending
full doc @ 660, stated @ 680
888-295-7899
concord acceptance
100% @ 680
http://www.concordebroker.com
entrust mortgage
http://www.entrustmtg.com
fieldstone mortgage company
http://www.fmcmortgage.com/brokers
finance america
http://www.financeamerica.com
first guarantee mortgage
100% (80/20) @ 620 full doc and @ 720 stated
http://www.fgmcnj.com
first magnus
http://www.fmfconline.com
first national bank of arizona
http://www.fnbaonline.com
franklin financial
stated with heloc @ 680
888-977-3863
greenpoint
http://www.greenpointwholesale.com
homebanc
703-637-0954
homecomings
@ 680
http://hfwholesale.com
homeland capital group
http://www.homecapgroup.com
htfc
516-739-6800
jefferson mortgage group
100% full doc; up to 4 units
http://www.jeffersonmortgage.com
jlm direct funding
100% @ 620 1-4 units; i/o available
http://www.jlmdirect.com
mila
95%
http://www.mila.com
national wholesale funding
purchases only @ 680, cannot currently have more than 3 noo properties
http://www.nwfmortgage.com
nations one mortgage
http://www.nation-one.com
novelle
90% @ 620 niv
95% @ 620 full doc
100% (80/20) @ 680 full doc
http://www.novellefinancial.com
pemmtek
100% stated @ 680
http://www.pemmtek.com
people's choice home loan
on an exception basis
http://www.flexqual.com
prmi
http://www.prmifunding.com
rainland mortgage
ca, co, id, or, ut, wa
http://www.rainland.com
resource mortgage
@ 640
888-458-1088
the mortgage store
95% @ 620, 80% @ 580
0x30x24; 3 years past fc, bk, and ccc
lend in all states except: al, nh, nj, ny, nc, oh, pa, ri, vt, wi
http://www.themortgagestore.net
the mortgage warehouse
full doc @ 680; up to 3 n/o/o properties
http://www.tmwonline.net
tristar lending group
http://www.tristarlendinggroup.com
Lender scenario: no seasoning -- rate & term (n/c/o)
As a rule, conforming fnma/freddie guidelines do not have seasoning requirements - check with your
conforming wholesalers. You can use appraised value after 1 day on title -- you must be able to justify
the increase in value.
1st choice
az, ca, co, id, hi, mn, mt, nm, nv, or, sc, ut, wa, wy
http://www.1stchoicemortgage.biz
accredited
http://www.accredhome.com
accoustic home loans
6 months
http://www.acoustichomeloans.com
allied mortgage and financial corporation
co, fl, ga
http://www.alliedmortgage.net
aurura
http://www.alservices.com/broker
bank of america
http://www.bankofamerica.com/mortgage_network
bay capital corporation
http://www.baycapitalcorp.com/wholesale
bay lending corporation
to 85% after 6 months
http://www.baylending.com
bridge capital
http://www.bridgecapws.com
crevecor
after 6 months
http://www.crevecor.com
decision one
http://www.d1online.com
empire
6 months seasoning
http://www.empiremortgagecorp.com
express capital
http://www.expresscap.com
fairmont funding
http://www.fairmontfunding.com
fieldstone mortgage company
http://www.fmcmortgage.com/brokers
finance america
http://www.financeamerica.com
first magnus
http://www.fmfconline.com
first nlc
after 6 months
http://www.firstnlc.com
franklin direct
http://www.franklin-mtg.com/brokers.php
greenpoint
http://www.greenpointwholesale.com
longbeach
http://www.longbeachmortgage.com/
mln
95% (using purchase price) or 90% (using appraised value)
http://www.mlnusa.com/brokers
national wholesale funding
http://www.nwfmortgage.com
netbank funding (rbmg)
http://www.netbankfunding.com
option one
1 day out of purchase
http://www.oomc.com/broker/broker_home.asp
people's choice home loan
http://www.flexqual.com
pinnacle
phm financial
http://phmfinancial.com
provident (pcfs)
http://www.pcfs.com
rainland
http://www.rainland.com
south star
6 months seasoning
http://www.southstar.com
wells fargo
http://www.brokersfirst.com
world savings
80%
http://www.worldmortgage.com
Lender scenario: no seasoning -- cash-out
accoustic home loans
6 months
http://www.acoustichomeloans.com
aegis
6 months
http://www.aegisfunding.com
alterna
80% @ 580 with 6-12 months seasoning; o/o or n/o/o; stated ok
http://www.alternamortgage.com
america's mortgage bank
americorp
http://www.accwholesale.com
bankers west
http://www.bankerswest.com
bay lending corporation
85% after 6 months
http://www.baylending.com
bnc
80% after 6 months on an exception basis
http://www.bncmortgage.com
bridge capital
http://www.bridgecapws.com
crevecor
after 6 months
http://www.crevecor.com
eastern savings bank
http://www.easternsavingsbank.com
fairmont funding
http://www.fairmontfunding.com
finance america
80% after 6 months
http://www.financeamerica.com
first choice
100% @ 620
az, ca, co, id, hi, mn, mt, nm, nv, or, sc, ut, wa, wy
http://www.1stchoicemortgage.biz
first consolidated mortgage
after 7 days on title
o/o 100%
n/o/o 95% @ 681, 90% @ 620, 80% @ 600, 75% @ 580, 70% @ 560
http://www.fcmcw.com
flagstar
http://wholesale.flagstar.com
franklin direct
http://www.franklin-mtg.com/brokers.php
greenpoint
for o/o and 2nd homes only
http://www.greenpointwholesale.com
key bank
after 6 months
longbeach
http://www.longbeachmortgage.com/
m & i home lending
http://www.mihomelendingsolutions.com
meritage
85% after 6 months
http://www.emeritage.com
mln
95% (using purchase price) or 90% (using appraised value)
http://www.mlnusa.com/brokers
national wholesale funding
100%; no seasoning @ 620 and 6 months @ 540
http://www.nwfmortgage.com
netbank funding (rbmg)
http://www.netbankfunding.com
new century
requires 6 months
http://www.newcentury.com
ownit
http://www.ownitmortgage.com/brokers/brokers.html
pemmtek mortgage
100%
http://www.pemmtek.com
people's choice home loan
debt-consolidation; max $ in hand lessor of 2% or $2k
http://www.flexqual.com
protofund mortgage
800-669-5363
saxon
http://www.esaxon.com
specialty mortgage
http://www.smcmtg.com
the mortgage store
http://www.themortgagestore.net
the mortgage warehouse
if it makes sense
http://www.tmwonline.net
wells fargo
stated / no ratio / no doc off of the appraised value with only one day seasoning on title
95% o/o and 90% n/o/o
http://www.brokersfirst.com
Lender scenario: bk & f/c -- chapter 13 buyout programs
acoustic home loans
http://www.acoustichomeloans.com
argent
http://www.argentmortgage.com
bankers express
95%
http://www.bankersexpress.com
centex
70%
http://www.checbroker.com
concorde acceptance
90% @ 540 1 year out of file date for 7 or 13
http://www.concordebroker.com
decision one
100% @ 580
http://www.d1online.com
empire mortgage
100%
http://www.empiremortgagecorp.com
first consolidated
100% @ 580, 90% @ 540, 85% @ 520; 2 years out of file date for 7 or 13
http://www.fcmcw.com
first franklin
85%
http://www.ff.com
mandalay mortgage
85%
http://www.mandalaymortgage.com
new century
http://www.newcentury.com
novastar
http://www.novastaris.com
option one
http://www.oomc.com/broker/broker_home.asp
people's choice home loan
95%
http://www.flexqual.com
westworks
100% @ 600
http://www.westworksmtg.com
*****
fha:
- minimum 1 year perfect payment history on bk
- no other lates since bk started
- need permission from the court
Lender scenario: bk & f/c -- less than 1 year out of bankruptcy
programs
1st choice mortgage
100% @ 580 1 day out
az, ca, co, id, hi, mn, mt, nm, nv, or, sc, ut, wa, wy
http://www.1stchoicemortgage.biz
bay lending
90% @ 560 1 day out
http://www.baylending.com
concorde acceptance
90% 1 day out; 100% 1 year out of file date for 7 or 13
http://www.concordebroker.com
empire mortgage
http://www.empiremortgagecorp.com
finance america
no seasoning for chapter 13 / 12 months for chapter 7
http://www.financeamerica.com
first consolidated
100% @ ? 1 day out of chapter 13 / 6 months for chapter 7
http://www.fcmcw.com
first franklin
100% @ 600 1 day out
90% @ 560 1 day out
85% @ 540 1 day out
http://www.ff.com
long beach mortgage
100% @ 580 1 day out
http://longbeachmortgage.com
mandalay mortgage
100% @ 580 one day out
http://www.mandalaymortgage.com
meritage
1 day out of bk
http://www.emeritage.com
mila
http://www.mila.com
option one
http://www.oomc.com/broker/broker_home.asp
people's choice home loan
95%; 1 month out for chapter 7 discharge or dismissal
http://www.flexqual.com
saxon
6 months out
http://www.esaxon.com
First Street Financial
No Seasoning On BK! All Programs!
www.firststreetfinancial.com
In CA, use my Rep, Manny
cell- 949-394-4791
Lender scenario: bk & f/c -- 1 year out bankruptcy programs
1st choice mortgage
az, ca, co, id, hi, mn, mt, nm, nv, or, sc, ut, wa, wy
http://www.1stchoicemortgage.biz
accredited home lenders
100% @ 660 1 day out
http://www.accredhome.com
bnc
http://www.bnc.com
chapel funding
off file date for chapter 13s
http://www.chapelfunding.com
concorde acceptance
100% @ 580 1 year out (use file date for chapter 13s)
http://www.concordebroker.com
dcs
100% @ 600 1 year out of bankruptcy and foreclosure
http://www.dcswholesale.com
decision one
100% @ 580 1 year out
http://www.d1online.com
expanded mortgage credit (emc)
90%
http://emcsouth.com
first banc
90% @ 580
http://www.firstbanchomemortgage.com
franklin direct
100% @ 580 1 year out
http://www.franklin-mtg.com/brokers.php
homecomings
100% @ 580 1 year out
http://www.hfwholesale.com
people’s choice home loan
80%
http://www.flexqual.com
prmi funding
100% @ 600 1 year out; 2 years seasoning on foreclosures
http://www.prmifunding.com
rose mortgage
95% @ 580
866-500-rose
the mortgage warehouse
95% @ 580
http://www.tmwonline.net
westworks
100% @ 580 1 year out; 3 years seasoning on foreclosures
http://www.westworksmtg.com
Lender scenario: bk & f/c -- foreclosure bailout programs
aames home loans
http://www.aamesdirect.com
acoustic home loans
70% full doc, 55% stated
http://www.acoustichomeloans.com
bnc
65% to day 149; nods are disregarded
http://www.bnc.com
chapel funding
65%
http://wwww.chapelfunding.com
eastern savings bank
http://www.easternsavingsbank.com
empire mortgage
65% - 70%
http://www.empiremortgagecorp.com
fremont
http://www.1800freemont.com
indymac
65% @ 500
http://www.indymacb2b.com
long beach mortgage
http://longbeachmortgage.com
meritage
if no nod
http://www.emeritage.com
new century
http://www.newcentury.com
option one
65%
http://www.oomc.com/broker/broker_home.asp
people’s choice home loan
allow 1x120
http://www.flexqual.com
rose mortgage
866-500-rose
westworks
http://www.westworksmtg.com
Lender scenario: credit -- under 500
delta funding
http://www.deltafunding.com/brokers.htm
encore
70% @ 475
http://www.encorecredit.com
fairmont funding
on a case-by-case basis
http://fairmontfunding.com
eastern savings bank
75%
http://www.easternsavingsbank.com
homeland capital group
80% @ 470 with 0x30
http://www.homecapgroup.com
sterling capital@ 480
united capital mortgage
877-632-2018
Lender scenario: credit -- no score
look into:
- fannie mae my community 97 & 100 & emerging markets
- fha
also:
5th 3rd
http://www.53.com/wholesalemortgage
aegis
http://www.aegisfunding.com
argent
considered on a case-by-case basis
http://www.argentmortgage.com
bank of america
net advantage product
http://www.bankofamerica.com/mortgage_network
bankers west
will use alternative credit
http://www.bankerswest.com
bnc
90% with twelve rent or mortgage checks
http://www.bnc.com
chapel funding
http://www.chapelfunding.com
chase
rural development program
http://www.wholesalechase.com
countrywide
rural development program + my community 100 optimum
http://www.cwbc.com
el jeffre´ assured lending corp
877-835-5363
empire mortgage
http://www.empiremortgagecorp.com
finance america
will use alternative tradelines
http://www.financeamerica.com
first national bank of arizona
http://www.fnbaonline.com
fremont
as long as there is no deragatory credit
http://www.1800freemont.com
first horizon
home on the horizon (no manufactured housing)
use alternative credit / trades
http://www.firsthorizonwholesale.com
lendmark financial services
http://www.lendmarkfinancial.com
loan center of california
master financial
800-890-0293
mila
80% (90% cltv)
http://www.mila.com
mit lending
http://www.mitlending.com
nation one
use alternative credit / trades
http://www.nation-one.com
netbank funding
my community product
uses alternative trades to 100%
http://www.netbankfunding.com
option one
no score no tradelines to 80%
http://www.oomc.com/broker/broker_home.asp
us bank
http://www.usbank.com/brokerloans
wells
emerging markets to 100%
use alternative credit (no manufactured housing)
http://www.brokersfirst.com
world savings
80%
http://www.worldmortgage.com
Lender scenario: credit -- reuse credit report
argent
your credit is good for 45 days
http://www.argentmortgage.com
concorde acceptance
up to 90 days
http://www.concordebroker.com
first franklin financial
can use your credit report for up to 60 days
http://www.ff.com
first nlc
http://www.firstnlc.com
fremont
http://www.1800freemont.com
homecomings
http://www.hfwholesale.com
homeland capital group
http://www.homecapgroup.com
meritage
can use your credit report for up to 60 days
http://www.emeritage.com
prmi funding
can use your credco report for 60 - 90 days
http://www.prmifunding.com
saxon mortgage
seasoning of up to 60 days is allowed - original report must be a tri-merge
http://www.esaxon.com
sunset direct lending
on an exception basis
http://www.sunsetdirectlending.com
wells fargo
(maybe)
http://www.brokersfirst.com
west works
(maybe)
http://www.westworksmtg.com
Lender scenario: credit -- high-score programs
argent
all scores must be above 500
no: n/o/o, second homes, manufactured, mobile, rural, or 1x120s
http://www.argentmortgage.com
bay lending
takes the highest score of any bureau and either borrower, income and employment are irrelevant
http://www.baylending.com
first nlc
http://www.firstnlc.com
lendmark financial services
95% @ 540
one score or the highest score of primary wage earner
http://www.lendmarkfinancial.com
novelle
http://www.novellefinancial.com
option one
will use highest middle score of pwe and swe as long as swe contributes at least 30% to income
http://www.oomc.com/broker/broker_home.asp
m&i
use higher of two scores, does not matter who primary wage earner is
http://www.mihomelendingsolutions.com
westworks
http://www.westworksmtg.com
Lender scenario: credit -- score averaging programs
creve coeur mortgage
will average the top two
http://www.crevecor.com
novastar
will average all of the borrowers' scores (as long as above 500)
http://www.novastarmortgage.com/partners/wholesale
ownit
will average the top two
http://www.ownitmortgage.com/brokers/brokers.html
Lender scenario: credit -- single score programs
accredited
100%
http://www.accredhome.com
aegis
100%
http://www.aegisfunding.com
argent
http://www.argentmortgage.com
bay lending
highest score / one score
http://www.baylending.com
bnc
90% with twelve rent or mortgage checks
http://www.bncmortgage.com
cit
http://www.brokeredge.com
citi b/c
http://broker.citimortgage.com/broker
encore credit
http://www.encorecredit.com
equifirst
http://www.equifirst.com
fieldstone mortgage company
http://www.fmcmortgage.com/brokers
finance america
95% one loan, 100% cltv
http://www.financeamerica.com
fremont
100% if they have the trade depth
http://www.1800freemont.com/wholesale
meritage
http://www.emeritage.com
lendmark financial services
one score or the highest score of primary wage earner
95% down to 540 score (for refi´s) and 560 for purchases
6% seller , no mi, probably no prepay and 5% down source only
depends on rental history for purchases
http://www.lendmarkfinancial.com
paxton capital
provident funding (pcfs)
if there is only one score reporting
http://www.pcfs.com
republic state
http://rsmwholesale.com
saxon
100% cltv if they have the trade depth
http://www.esaxon.com
soluna
http://www.solunafirstmortgage.com
world
http://www.worldsavings.com
Lender scenario: credit -- beacon-only score programs
cit
http://www.brokeredge.com
citi
http://broker.citimortgage.com/broker
equifirst
http://www.equifirst.com
first indiana bank
http://www.firstindiana.com/wholesale
first nlc
http://www.firstnlc.com
meritage
http://www.emeritage.com
paxton capital
Lender scenario: credit -- no tradeline programs
1st choice mortgage
100% @ 580 1 day out of bk; i/o available; no vor
three alternate tradelines OR no active tradelines
az, ca, co, id, hi, mn, mt, nm, nv, or, sc, ut, wa, wy
http://www.1stchoicemortgage.biz
aegis
no trade requirements
http://www.aegisfunding.com
argent
no tradelines required
http://www.argentmortgage.com
bnc
500 @ 80%, 85% @ 525, 90% @ 580, 95% @600
http://www.bnc.com
chapel funding
must be reporting two scores
http://www.chapelfunding.com
concord acceptance
no open ones required @ 620
http://www.concordebroker.com
equifirst
no open ones @ 620
http://www.equifirst.com
first nlc
http://www.firstnlc.com
fremont
100% @ 580 no minimum trades
http://www.1800freemont.com/wholesale
mila
one active or closed
http://www.mila.com
meritage
one active
http://www.emeritage.com
national wholesale funding
http://nwfmortgage.com
novelle
http://www.novellefinancial.com
option one
(maybe)
http://www.oomc.com/broker/broker_home.asp
pemmtek
100% @ 620
http://www.pemmtek.com
south star
4 alternate accounts
http://www.southstar.com
the mortgage warehouse
@ 620 for no tradelines; or at least one that was reported 24 month ago (can be a collection)
http://www.tmwonline.net
wholesale lending online
http://www.wlo.cc
Lender scenario: credit -- limited tradelines programs
1st choice mortgage
two tradelines
az, ca, co, id, hi, mn, mt, nm, nv, or, sc, ut, wa, wy
http://www.1stchoicemortgage.biz
argent
no tradelines required
http://www.argentmortgage.com
concord acceptance
no open ones required @ 620
http://www.concordebroker.com
equifirst
no open ones required @ 620
http://www.equifirst.com
finance america
http://www.financeamerica.com
first national bank of arizona
http://www.fnbaonline.com
mila
one active or closed
http://www.mila.com
meritage
one active
http://www.emeritage.com
the mortgage warehouse
@ 620
http://www.tmwonline.net
Lender scenario: credit -- charge-offs and collections open
programs
bnc
http://www.bncmortgage.com
finance america
http://www.financeamerica.com
first nlc
http://www.firstnlc.com
meritage
http://www.emeritage.com
new century
http://www.newcentury.com
people's choice home loan
http://www.flexqual.com
prmi funding
http://www.prmifunding.com
specialty mortgage
http://www.smcmtg.com
wmc
http://www.wmcdirect.com
Lender scenario: credit -- preferred repository programs
centex
http://www.checbroker.com
first nlc
http://www.firstnlc.com
us bank
http://www.usbank.com/brokerloans
Lender scenario: assorted -- 10 year i/o
aegis
http://www.aegisfunding.com
aurora
http://www.alservices.com/broker
chase
http://www.wholesalechase.com
countrywide
http://www.cwbc.com
first magnus
http://www.fmfconline.com
gmac
http://www.gmacbankwholesale.com
greenpoint
http://www.greenpointwholesale.com
hsbc
http://www.us.hsbc.com/personal/mortgage/partners
national wholesale funding
http://www.nwfmortgage.com
ohio savings bank
http://www.ohiosavings.com
south star
http://www.southstar.com
taylor bean
http://www.taylorbean.com/contact.html
the mortgage store
http://www.themortgagestore.net
Lender scenario: assorted -- 3 ysp
chase b/c
http://chasebc.chase.com
first capital lending
dcs wholesale
up to 4 ysp on our diamond unlimited program (alt a/b program) for 170 bps
ca, or, wa, in, fl, co, ma, hi, sc, il, ut
http://www.dcswholesale.com
downey savings and loan
http://www.downeywholesale.com
indymac
2.5
http://www.indymacb2b.com
long beach
http://www.longbeachmortgage.com
novastar
http://www.novastaris.com
saxon
http://www.esaxon.com
sterling national
http://www.sterlingbancorp.com
wells fargo subprime
http://www.brokersfirst.com
wmc
http://www.wmcdirect.com
Lender scenario: assorted -- 40 year
american brokers conduit (abc)
3, 5 or 7-year hybrid arms
http://www.abconduit.com
astoria federal savings
http://www.asfc.com
chase manhattan
programs #516 & #517 (5/1 & 7/1 arms)
http://www.wholesalechase.com
chevy chase
http://www.chevychasewholesale.com
downey savings and loan
http://www.downeywholesale.com
flagstar
http://wholesale.flagstar.com
sierra pacific
http://www.spm1.com
washington mutual
http://www.wamupremierebroker.com
world savings
http://www.worldmortgage.com
Lender scenario: assorted -- 5 year arms subrime
first franklin
http://www.ff.com
new equity
http://www.mynewequity.com
novastar
http://www.novastaris.com
people's choice home loan
http://www.flexqual.com
saxon
http://www.esaxon.com
wmc
http://www.wmcdirect.com
Lender scenario: assorted -- 6% seller-paid
aegis
http://www.aegisfunding.com
banco popular
http://www.bancopopular.com
countrywide
http://www.cwbc.com
expanded mortgage credit (emc)
http://www.emcsouth.com
finance america
http://www.financeamerica.com
first franklin
http://www.ff.com
long beach
http://www.longbeachmortgage.com
meritage
http://www.emeritage.com
mila
http://www.mila.com
mln
http://www.mlnusa.com/brokers
sunset direct
http://www.sunsetdirectlending.com
westworks
http://www.westworksmtg.com
Lender scenario: assorted -- avms
chase
http://www.wholesalechase.com
countrywide
http://www.cwbc.com
flagstar
http://wholesale.flagstar.com
netbank funding
http://www.netbankfunding.com
wells fargo
http://www.brokersfirst.com
Lender scenario: assorted -- blanket loans
american elite financial
http://www.aefloans.com
eastern savings bank
http://www.easternsavingsbank.com
emigrant mortgage
http://www.emigrantmortgage.com
northpointe bank
http://www.npbank.com/loanproducts/residential
Lender scenario: assorted -- bridge loans
allied mortgage & finance corporation
co, fl, ga
http://www.alliedmortgage.net
budget finance company
hard money; ca, or, wa
http://www.bfcloans.com/broker
countrywide
http://www.cwbc.com
eastern savings bank
http://www.easternsavingsbank.com
first horizon
http://www.firsthorizonwholesale.com
flagstar
http://wholesale.flagstar.com
indymac
http://www.indymacb2b.com
interfirst (abn amro)
http://www.interfirst.com
national city
http://www.goncm.com
ohio savings bank
http://www.ohiosavings.com
pacific coast investment company
http://www.powertofund.com
seattle funding group (sfg)
ak, az, ca, co, hi, nv, or, wa
http://www.sfgfunds.com
sunset commercial
union federal
http://www.unionfedbankonline.com
yale mortgage corporation
65% in al, co, fl, ga, nv, tn; hard-money
http://www.showme-themoney.com
Lender scenario: assorted -- daps / dpas
accubanc
http://www.goncm.com/contact_listing_abm.asp
chase
http://www.wholesalechase.com
commonwealth united
http://www.goncm.com/contact_listing_cwum.asp
cuna mutual
decision one
http://www.d1online.com
downey savings and loan
http://www.downeywholesale.com
flagstar
http://wholesale.flagstar.com
fremont
http://www.1800freemont.com
gmac
http://www.gmacbankwholesale.com
gn mortgage
http://www.gnmortgage.com
greenpoint mortgage
http://www.greenpointwholesale.com
homecomings
http://www.hfwholesale.com
interfirst (abn amro)
http://www.interfirst.com
ivanhoe financial
http://www.ivanhoefinancial.com
m & t bank
http://www.constructionbroker.com
national city
http://www.goncm.com
netbank funding
http://www.netbankfunding.com
new century
http://www.newcentury.com
option one
http://www.oomc.com/broker/broker_home.asp
provident funding (pcfs)
http://www.pcfs.com
sierra pacific
http://www.spm1.com
south star
http://www.southstar.com
wells fargo
http://www.brokersfirst.com
Lender scenario: assorted -- emerging markets
citi
http://broker.citimortgage.com/broker
chase
my community
http://www.wholesalechase.com
countrywide
optimum
http://www.cwbc.com
hsbc
http://www.us.hsbc.com/personal/mortgage/partners
irwin mortgage
homezown: up to ea-2; 100% hud income
http://www.irwinconnect.com/wholesale
suntrust
us bank
barrier buster: traditional underwriting, conventional pmi rates, 125% hud income
http://www.usbank.com/brokerloans
wells fargo
merging markets: up to 25% of verified income can be stated
http://www.brokersfirst.com
Lender scenario: assorted -- late 120 days
meritage
http://www.emeritage.com
new century
http://www.newcentury.com
novelle
http://www.novellefinancial.com
people's choice home loan
http://www.flexqual.com
Lender scenario: assorted -- foreign nationals
Most Alt-A lenders allow for investor mortgages to foreign nationals; guidelines vary. If they have 2
years local history (in US), Fannie Mae will do the loan the same as if they were citizens.
1st choice mortgage
az, ca, co, hi, id, mn, mt, nv, or, sc, ut, wa, wy
http://www.1stchoicemortgage.biz
allied mortgage & finance corporation
no scores and no credit letters required
co, fl, ga
http://www.alliedmortgage.net
alternative mortgage express (amx)
lends nationwide except nj, ny, pa, wv
http://www.amxloans.com
bank united
80%
http://www.bankunited.com/wholesalelending.asp
banco popular
90% - 95% for mexican and canadian nationals who wish to purchase in the u.s.
az, fl, il, tx
tins and a government-issued photo-id are required (no ssns needed).
if living and working in the US for two years they may qualify for a 95%
if less than 2 years, to 90%
http://www.bancopopular.com
bay capital corporation
http://www.baycapitalcorp.com/wholesale
budget finance company
hard money; ca, or, wa
http://www.bfcloans.com/broker
c & g financial services
http://www.cgfinancial.com
chapel funding
http://www.chapelfunding.com
chase
http://www.wholesalechase.com
concorde acceptance
http://www.concordebroker.com
countrywide
http://www.cwbc.com
downey savings and loan
http://www.downeywholesale.com
eastern savings bank
http://www.easternsavingsbank.com
fairmont funding
http://fairmontfunding.com
first mutual bank
id, or, wa
http://www.firstmutual.com
first western funding
http://www.firstwesternfunding.com
franklin direct
http://www.franklin-mtg.com/brokers.php
greenpoint mortgage
if your borrower had US credit
http://www.greenpointwholesale.com
helm bank
80/10
http://www.helmbank.com
indymac
http://www.indymacb2b.com
jefferson mortgage group
http://www.jeffersonmortgage.com
luxmac
http://www.luxmac.com
magna mortgage
metroplex mortgages
75% - 80%; no score required; must have tax id# OR ss# OR w8
florida only
http://www.metroplexmortgages.com
met west commercial lender
florida only
http://www.met-west.com
new state mortgage
http://www.newstatemtg.com
novastar
80%
http://www.novastaris.com
pacific coast investment company
http://www.powertofund.com
rbc
http://www.rbcmortgagewholesale.com
resmae
http://www.resmae.com
seattle funding group (sfg)
ak, az, ca, co, hi, nv, or, wa
http://www.sfgfunds.com
sunshine invest
no doc loan (us citizen and green card)
loan for visa holders (e1/e2/l1/h1b etc.)
http://www.sunshineinvest.com
the mortgage store
http://www.themortgagestore.net
the mortgage warehouse
2nd home or investment property only
max ltv/cltv 80% on full doc loans and 75% all other doc types
diplomatic immunity not acceptable
copy of passport or visa required
maximum 1 loan or property financed through premium advantage program
w8 (certificate of foreign status) required for file if borrower does not have tax id or ssn
http://www.www.tmwonline.net
united capital funding
ca, nv, or, ut
800-429-7283
washington mutual
http://www.wamupremierebroker.com
world savings
75%; all you need is a passport and a purchase contract
http://www.worldmortgage.com
yale mortgage corporation
65% in al, co, fl, ga, nv, tn; hard-money
http://www.showme-themoney.com
Lender scenario: assorted -- loan officer loans
aames
must be full doc
http://www.aamesdirect.com
bnc
full doc with 12 months bank statements
http://www.bnc.com
expanded mortgage credit
http://www.emcsouth.com
first consolidated
http://www.fcmcw.com
flagstar
http://wholesale.flagstar.com
first consolidated
http://www.fcmcw.com
first franklin
http://www.ff.com
mila
needs to be processed/closed through another broker
http://www.mila.com
novastar
needs to be processed/closed through another broker
http://www.novastaris.com
primary capital
http://www.primarycapital.com
sebring capital
http://www.sebringcapital.com
sunset direct lending
http://www.sunsetdirectlending.com
the mortgage store
http://www.themortgagestore.net
Lender scenario: assorted -- lease purchases
accredited home lenders
http://www.accredhome.com
first franklin
http://www.ff.com
new century
http://www.newcentury.com
option one
http://www.oomc.com/broker/broker_home.asp
the mortgage warehouse
cancelled checks required and a vom from seller -- all this only because when borrower lives in subject
it is viewed as non-arms length
http://www.tmwonline.net
westworks
http://www.westworksmtg.com
Lender scenario: assorted -- lpmi
5th/3rd
flex 53 product is up to a 100% lpmi
http://53.com/wholesalemortgage
flagstar
http://wholesale.flagstar.com
irwin mortgage
http://www.ihepartners.com
Lender scenario: assorted -- mls recent listing
acoustic home loans
as long as appraiser states home is no longer on market
http://www.acoustichomeloans.com
allstate home loans
chase
http://www.wholesalechase.com
citi
http://broker.citimortgage.com/broker
consumer first
http://www.consumerfirst.biz
first arizona state bank
http://www.fnbamortgage.com
delta funding
http://www.deltafunding.com/brokers.html
diversified capital
empire mortgage
http://www.empiremortgagecorp.com
flagstar
with a letter of explanation
http://wholesale.flagstar.com
fremont
http://www.1800freemont.com
innovative funding
m&i
http://www.mihomelendingsolutions.com
mandalay mortgage
http://www.mandalaymortgage.com
nova star
evidence listing has expired or been cancelled
satisfactory explanation as to why property was listed with most recent listing date and price
value will be based on the lessor of appraised value or last listing price
http://www.novastaris.com
specialty mortgage
http://www.smcmtg.com
washington mutual
will consider them
http://www.wamupremierebroker.com
westworks
http://www.westworksmtg.com
world savings
will consider them
http://www.worldmortgage.com
Lender scenario: assorted -- mortgage-only programs
chapel funding
http://www.capelfunding.com
dcs
http://www.dcswholesale.com
finance america
http://www.financeamerica.com
fremont
http://www.1800freemont.com
option one
http://www.oomc.com/broker/broker_home.asp
wmc
http://www.wmcdirect.com
Lender scenario: assorted -- non-occupant co-borrower
aegis
http://www.aegisfunding.com
bay lending
http://www.baylending.com
novastar
http://www.novastaris.com
sunset direct
http://www.sunsetdirectlending.com
the mortgage warehouse
http://www.tmwonline.net
Lender scenario: assorted -- physicians
mike smela
http://www.physicianlender.com
bank of america
only available on the retail side
http://www.bankofamerica.com/mortgage_network
We have special unsecured loan programs for medical professionals and can provide up to 100%
construction to perm financing with a one time close.
Mitchell Chapman
Business Finance USA
sffs33326@comcast.net
954-548-1455
954-793-4411 (fax)
Lender scenario: assorted -- piggybacks
aegis home equity
http://www.aegisfunding.com
chase home equity
http://www.wholesalechase.com
citi home equity
http://broker.citimortgage.com/broker
gb home equity
http://www.gbhomeequity.com
home equity of america
http://www.homeequityofamerica.com
prmi funding
http://www.prmifunding.com
rbc
http://www.rbcmortgagewholesale.com
wells fargo home equity
http://www.brokersfirst.com
Lender scenario: assorted -- reverse mortgages
financial freedom (indymac)
http://www.financialfreedom.com
seattle funding group (sfg)
ak, az, ca, co, hi, nv, or, wa
http://www.sfgfunds.com
wells fargo
http://www.reversebrokerin.com/link.htm
-----
aarp
http://www.aarp.org/revmort
nrmla:
http://www.reversemortgage.org
Lender scenario: assorted -- retirees stated
fremont
http://www.1800freemont.com
the mortgage store
if not on fixed income and also have income from stocks & bonds, SS, pension, real estate, etc.
http://www.themortgagestore.net
the mortgage warehouse
http://www.tmwonline.net
world savings
http://www.worldmortgage.com
Lender scenario: assorted -- small loan amount
bnc
$25k
http://www.bncmortgage.com
chase b/c
http://chasebc.chase.com
cit group
$20k
http://www.brokeredge.com
countrywide
no minimum
http://www.cwbc.com
delta funding
$30k
http://www.deltafunding.com/brokers.html
finance america
$30k
http://www.financeamerica.com
first franklin
http://www.ff.com
first magnus
$20k
http://www.fmfconline.com
fremont
http://www.1800freemont.com
interfirst
$10k (but price hit under $25k)
http://www.interfirst.com
longbeach
http://www.longbeachmortgage.com
meritage
$30k
http://www.emeritage.com
mila
http://www.mila.com
mortgage lenders network (mln)
$10k
http://www.mlnusa.com
people´s choice home loan
$31k
http://www.flexqual.com
sunset direct
$40k
http://www.sunsetdirectlending.com
us bank
$10k (50 bps hit for under $20k)
http://www.usbank.com/brokerloans
wells b/c
http://www.wellsfargo.com
wmc
http://www.wmcdirect.com
world
$25k
http://www.worldsavings.com
Lender scenario: assorted -- teachers
bank of america
neighborhood champions
http://www.bankofamerica.com/mortgage_network
countrywide
http://www.cwbc.com
first horizon
http://www.firsthorizonwholesale.com
wachovia
http://www.wachovia.com/corp_inst/page/0,,7_21_226_786_1113,00.html
washington mutual
http://www.wamupremierebroker.com
Lender scenario: special properties -- berm homes
centex
burm home comps - no exceptions
good credit, good scores, o/o, full doc
http://www.checbroker.com
first mutual bank
id, or, wa
http://www.firstmutual.com
irwin mortgage
burm home comps - no exceptions
http://www.irwinconnect.com/wholesale
saint cloud mortgage
http://www.farmandruralhomeloans.com/specialp.htm
wells fargo
burm home comps - no exceptions
http://www.brokersfirst.com
Lender scenario: special properties -- canada
hsbc
http://www.us.hsbc.com/personal/mortgage/partners
rbc
http://www.rbcmortgagewholesale.com
Lender scenario: special properties -- churches
alanar
http://www.alanar.com
alpha and omega
http://www.alpha2omega.com/church_finance.html
american church mortgage company
http://www.church-loans.net
bci funding
http://www.bcifunding.com
church loans & investments trust
http://www.churchloans.com
commonwealth church finance
http://www.commonwealthchurchfin.com
concorde church finance
75% for $150k+
858-759-0214
genesis group
http://www.genesisgroupinc.com
great nation investment corporation
http://www.greatnation.com
kingdom church finance
http://www.kingdomchurchfinance.com
one capital advisors
http://www.foundationcapitalresources.com
religious loans corporation
http://www.religiousloans.com
security church finance
http://www.churchbonds.com
ziegler
http://www.zieglerloan.com
Lender scenario: special properties -- condo-tels
american brokers conduit (abc)
http://www.abconduit.com
bnc
http://www.bncmortgage.com
cfs direct (colorado federal savings bank)
chase
http://www.wholesalechase.com
countrywide
70%
http://www.cwbc.com
national wholesale funding
http://www.nwfmortgage.com
virtual bank mortgage
http://www.virtualbankmortgage.com
washington mutual
http://www.wamupremierebroker.com
wholesale lending online
http://www.wlo.cc
Lender scenario: special properties -- corporations or trusts
alternative mortgage express (amx)
lends nationwide except nj, ny, pa, wv
http://www.amxloans.com
bank united
http://www.bankunited.com/wholesalelending.asp
delta funding
http://www.deltafunding.com/brokers.html
eastern savings bank
http://www.easternsavingsbank.com
emigrant mortgage
http://www.emigrantmortgage.com
first mutual bank
id, or, wa
http://www.firstmutual.com
luxmac
http://www.luxmac.com
m&i
http://www.mihomelendingsolutions.com
rapid funding
80%; flips; can vest in corporations and llcs; no limit on # of properties
http://www.rapidfunding.com
washington federal savings
206-624-7930
washington savings
410-224-7533
washington mutual
http://www.wamupremierebroker.com
world savings
http://www.worldmortgage.com
Lender scenario: special properties -- farms
aegis financial solutions
800-295-7574
agfirst farm credit
on working farms
800-874-7737
agricultural mortgage corporation
http://www.agmca.com
american farm mortgage
800-876-2362
efarm
http://www.efarmcredit.com
farmer mac
http://www.farmermac.com
farmers mortgage
888-303-8695
http://www.farmers-mortgage.com
saint cloud mortgage
800-276-4544
http://www.farmandruralhomeloans.com/specialp.htm
Lender scenario: special properties -- flips
brookview financial
http://www.brookviewfinancial.com
decision one
http://www.d1online.com
fairmont funding
http://www.fairmontfunding.com
first consolidated
need 7 days on title
http://www.fcmcw.com
greenpoint
http://www.greenpointwholesale.com
impac lending
http://www.impaclending.com
pemmtek mortgage
http://www.pemmtek.com
rapid funding
80%; can vest in corporations and llcs; no limit on # of properties
http://www.rapidfunding.com
the mortgage warehouse
http://www.tmwonline.net
Lender scenario: special properties -- land
2nd national
no cash out
800-939-0816
banco popular
http://www.bancopopular.com
coast bank
dumont
90% in co, mo, nm, ny, ok, tx, va
5-acre minimum + $5k per-acre cap
http://www.dumontland.com
indymac
20 acres to 90%; 50 acres with a lower ltv
http://www.indymacb2b.com
m & t bank
http://www.constructionbroker.com
northpointe bank
http://www.npbank.com/loanproducts/residential
ohio savings bank
http://www.ohiosavings.com
saint cloud mortgage
800-276-4544
http://www.farmerloan.com
seattle funding group (sfg)
ak, az, ca, co, hi, nv, or, wa
http://www.sfgfunds.com
united midwest savings bank
800-626-2913
http://www.umwsb.com
Lender scenario: special properties -- log cabins
1st choice mortgage
az, ca, co, id, hi, mn, mt, nm, nv, or, sc, ut, wa, wy
http://www.1stchoicemortgage.biz
concorde acceptance
100% @ 580; max 5 acres
http://www.concordebroker.com
equifirst
http://www.equifirst.com
first consolidated mortgage
(maybe)
http://www.fcmcw.com
franklin direct
http://www.franklin-mtg.com/brokers.php
m & t bank
95% (80/15) in rural area
http://www.www.constructionbroker.com
novastar
http://www.novastaris.com
saxon
http://www.esaxon.com
speciality mortgage
http://www.smcmtg.com
sunset direct lending
http://www.sunsetdirectlending.com
Lender scenario: special properties -- lot loans
5th 3rd
100%
http://www.53.com/wholesalemortgage
century bank
90%; fl only
http://www.centurybankwholesale.com/mbproducts_lotloan.html
citizen´s state bank
100%
800-767-2436
federal trust bank
no c/o
http://www.federaltrust.com
first mutual bank
id, or, wa
http://www.firstmutual.com
indymac
purchase only
http://www.indymacb2b.com
luxmac
http://www.luxmac.com
metwest
http://www.met-west.com
ohio savings bank
http://www.ohiosavings.com
rbc
100%
http://www.rbcmortgagewholesale.com
transatlantic lending
Lender scenario: special properties -- mexico
allstate lending
http://www.allstaterm.com
suntrust
Lender scenario: special properties -- non-warrantable &
conversion condos
5/3
flex 53 program
http://www.53.com/wholesalemortgage
aurora
http://www.alservices.com/broker
american brokers conduit (abc)
http://www.abconduit.com
bay lending
as the conversion is completed and turned over to a hoa
http://www.baylending.com
concorde acceptance
http://www.concordebroker.com
countrywide
http://www.cwbc.com
fairmont funding
http://fairmontfunding.com
gb home equity
100% on non-warrantable condo
http://gbhomeequity.com
greenpoint
http://www.greenpointwholesale.com
interfirst
http://www.interfirst.com
new state mortgage
103% @ 600
http://newstatemtg.com
prmi funding
http://www.prmifunding.com
rose mortgage
866-500-ROSE
the mortgage store
http://themortgagestore.net
Lender scenario: special properties -- small square footage
acoustic
600+ square feet
http://www.acoustichomeloans.com
equifirst
http://www.equifirst.com
northpointe bank
http://www.npbank.com/loanproducts/residential
Lender scenario: special properties -- unique properties
aames home loans
http://www.aamesdirect.com
budget finance company
hard money; ca, or, wa
http://www.bfcloans.com/broker
concorde acceptance
http://www.concordebroker.com
entrust mortgage
http://www.entrustmtg.com
flagstar
domes
http://wholesale.flagstar.com
m & t bank
domes
http://www.constructionbroker.com
prmi funding
http://www.prmifunding.com
saint cloud mortgage
http://www.farmandruralhomeloans.com
Lender scenario: construction -- c2p
first horizon home loans
http://www.firsthorizonwholesale.com
irwin mortgage
http://www.irwinconnect.com/wholesale
indymac
http://www.indymacb2b.com
Lender scenario: construction -- general
first horizon
http://www.firsthorizonwholesale.com
indymac
http://www.indymacb2b.com
irwin mortgage
http://www.irwinconnect.com/wholesale
m & t bank
http://www.constructionbroker.com
national city (nc / accubanc / commonwealth united)
http://www.goncm.com
washington mutual
http://www.wamupremierebroker.com
Lender scenario: construction -- manufactured & modular
flagstar
http://wholesale.flagstar.com
land home services
conventional loans @ 575; fha + va available; continental us
$3.5k flat fee for l/a up to $120k for 90 days
http://www.landhomeservices.com/contact
ranger financial corporation
80%; 100% construction loans with a one-time close and no down payment
http://www.loanranger.com
united midwest savings bank
95% modular, 90% manufactured
95% @ 600, 90% @ 640
prime+1 and prime+22 for construction loan
http://www.umwsb.com
Lender scenario: construction -- rehab
accubanc
to 75% of final appraisal
http://www.goncm.com/contact_listing_abm.asp
brookview financial
six months of money per property
http://www.brookviewfinancial.com
community commerce bank
http://www.ccombank.com
rapid funding
http://www.rapidfunding.com
rose mortgage
joe racamato
866-500-ROSE x324
united midwest savings bank
80% @ 660; full doc only for n/o/o
http://www.umwsb.com
Lender scenario: construction -- spec homes
bismark
niv / niq; spec only in ks, me, nc, nj, ri, sc
http://www.constructionloanfallout.com
indymac
http://www.indymacb2b.com
Lender scenario: construction -- subprime
bismark
niv / niq
custom; owner/builder; spec; construction complete
http://www.constructionloanfallout.com
popular financial services
http://www.popularfinancialservices.com
ranger financial corporation
http://www.loanranger.com
Lender scenario: construction -- take-out
first magnus
http://www.fmfconline.com
chase b/c
http://chasebc.chase.com
homecomings
http://www.hfwholesale.com
washtenaw mortgage
http://www.washtenawmortgage.com
Lender scenario: helocs & seconds -- helocs
5th 3rd
http://www.53.com/wholesalemortgage
aegis home equity
http://www.aegisfunding.com/
american home equity
chase home equity
http://www.wholesalechase.com/
citi home equity
http://broker.citimortgage.com/broker/
first horizon wholesale
@ 590
http://www.firsthorizonwholesale.com
gb home equity
http://www.gbhomeequity.com/
greenpoint
http://www.greenpointwholesale.com/
guaranty residential lending (temple-inland)
https://www.guarantylink.guarantygroup.com
home equity of america
http://www.homeequityofamerica.com
m&i
http://www.mihomelendingsolutions.com
us bank
http://www.usbank.com/brokerloans/
wells fargo
http://www.brokerfirst.com/
Lender scenario: helocs & seconds -- investor helocs
1st choice
to 90% cltv
http://www.1stchoicemortgage.biz
aegis
80% program q3
http://www.aegishomeequity.com
bank of america
to 80% cltv @ 700
http://www.bankofamerica.com/mortgage_network
chapel funding
to 80% cltv
http://www.chapelfunding.com
countrywide
flexsaver
http://www.cwbc.com
greenpoint
stated to 90% cltv
http://www.greenpointwholesale.com
national city
to 90% cltv
http://www.nationalcityhomeequity.com
Lender scenario: helocs & seconds -- large helocs > $500k
bank of america
http://www.bankofamerica.com/mortgage_network
first horizon
http://www.firsthorizonwholesale.com
the mortgage store
http://www.themortgagestore.net
us bank
http://www.usbank.com/brokerloans
virtual bank
http://www.virtualbank.com
Lender scenario: helocs & seconds -- no cost helocs
citi
http://broker.citimortgage.com/broker
chase
http://www.wholesalechase.com
deep green
http://www.deepgreenfinancial.com
first horizon
(small fees)
http://www.firsthorizonwholesale.com
national city
http://www.nationalcityhomeequity.com
suntrust
wells fargo
http://www.brokersfirst.com
Lender scenario: helocs & seconds -- no seasoning helocs
5th 3rh
http://www.53.com/wholesalemortgage
citi home equity
need 24 hours seasoning
http://broker.citimortgage.com/broker
first horizon equity
http://www.firsthorizonwholesale.com
first magnus
have to use purchase price
http://www.fmfconline.com
wells home equity
need 6 months seasoning
http://www.brokerfirst.com
Lender scenario: helocs & seconds -- stand-alone helocs
chase
http://www.wholesalechase.com
countrywide
http://www.cwbc.com
gb home equity
http://www.gbhomeequity.com
greenpoint
http://www.greenpointwholesale.com
wells fargo
http://www.brokerfirst.com
Lender scenario: helocs & seconds -- stand-alone seconds
aegis
http://www.aegisfunding.com
centex home equity
http://www.checbroker.com
homeland capital
http://www.homecapgroup.com
ivanhoe financial
http://www.ivanhoefinancial.com
lenders direct capital
http://www.ldcc.com
new state mortgage
http://www.newstatemtg.com
ownit mortgage
http://www.ownitmortgage.com
us bank
http://www.usbank.com/brokerloans
westworks
http://www.westworksmtg.com
Lender scenario: helocs & seconds -- subprime seconds
aegis
http://www.aegisfunding.com
citifinancial
empire mortgage
@ 590
http://www.empiremortgagecorp.com
encore credit
http://www.encorecredit.com
first indiana bank
http://www.firstindiana.com/wholesale
iboc
http://www.iboc.com
secured funding
full doc @ 580, stated @ 640
http://www.securedwholesale.com
Lender scenario: reduced doc -- bank statements
1st choice mortgage
az, ca, co, id, hi, mn, mt, nm, nv, or, sc, ut, wa, wy
http://www.1stchoicemortgage.biz
accredited
24 months
http://www.accredhome.com
bankers express
http://www.bankersexpress.com
bnc
12 months for full doc
http://www.bncmortgage.com
concorde acceptance
12 or 24 months w/e or s/e
http://www.concordebroker.com
countrywide
100% @ 600 with 12 months
http://www.cwbc.com
empire mortgage
http://www.empiremortgagecorp.com
equifirst
http://www.equifirst.com
finance america
http://www.financeamerica.com
first banc
http://www.firstbanchomemortgage.com
first franklin
12 months for 100% @ 600 with 2 years self-employed
12 months for 100% @ 620 with 1 year self-employed
6 months for 100% @ 640 with 1 years self-employed
http://www.ff.com
freemont
http://www.1800freemont.com
mandalay mortgage
http://www.mandalaymortgage.com
meritage
http://www.emeritage.com
new century
http://www.newcentury.com
people's choice home loan
http://www.flexqual.com
platinum capital group
http://www.platinumcapital.com
rose mortgage
866-500-ROSE
sebring capital
http://www.sebringcapital.com
sterling national
100% bank statements with 647+
sunset direct lending
100% of deposits for personal accounts
70% of deposits for biz accounts
http://www.sunsetdirectlending.com
west works
12 - 24 months == full doc if self employed
http://www.westworksmtg.com
wmc
http://www.wmcdirect.com
Lender scenario: reduced doc -- no doc
american brokers conduit (abc)
100% @ 620
http://www.abconduit.com
american mortgage network
http://www.amnetmortgage.com
aurora
http://www.alservices.com/broker
bankers west
http://www.bankerswest.com
cal coast
http://www.calcoastmortgage.com
cmg
http://www.cmgbanking.com
fairmont funding
http://www.fairmontfunding.com
first national bank of arizona
http://www.fnbaonline.com
greenpoint
http://www.greenpointwholesale.com
guaranty residential lending (temple-inland)
http://www.guarantylink.guarantygroup.com
homecomings
http://www.hfwholesale.com
homestar
http://www.homestarmortgage.com
impac
95% @ 620, i/o available
http://www.impaclending.com
indymac
http://www.indymacb2b.com
irwin mortgage
95% @ 620
http://www.irwinconnect.com/wholesale
mila
http://www.mila.com
millenium
80% @ 580
http://www.mfgloans.com
national wholesale funding
http://www.nwfmortgage.com
new century
http://www.newcentury.com
novastar
http://www.novastaris.com
ohio savings bank
http://www.ohiosavings.com
option one
http://www.oomc.com/broker/broker_home.asp
provident bank
no hit for under 60%
http://www.pbmwholesale.com
pemmtek mortgage
http://www.pemmtek.com
netbank funding (rbmg)
http://www.netbankfunding.com
saxon
http://www.esaxon.com/
the mortgage store
90% @ 660
http://www.themortgagestore.net
the mortgage warehouse
95%
http://www.tmwonline.net
wells fargo enora
http://www.brokersfirst.com
Lender scenario: reduced doc -- no vom
bnc
http://www.bncmortgage.com
first franklin
http://www.ff.com
mandalay mortgage
http://www.mandalaymortgage.com
sunset direct
http://www.sunsetdirectlending.com
the mortgage warehouse
http://www.tmwonline.net
westworks
http://www.westworksmtg.com
Lender scenario: reduced doc -- private or no vor
1st choice mortgage
100% @ 580 1 day out of bk; i/o available; no vor
three alternate tradelines OR no active tradelines
az, ca, co, id, hi, mn, mt, nm, nv, or, sc, ut, wa, wy
http://www.1stchoicemortgage.biz
acoustic home loans
http://www.acoustichomeloans.com
countrywide
no vor
http://www.cwbc.com
decision one
http://www.d1online.com
expanded mortgage credit
http://www.emcsouth.com
first franklin
no vor
http://wwww.ff.com
mandalay mortgage
no vor
http://www.mandalaymortgage.com
mila
http://www.mila.com
the mortgage warehouse
no vor
http://www.tmwonline.net
westworks
http://www.westworksmtg.com
Lender scenario: option arms -- general lenders
aegis
http://www.aegisfunding.com
american mortgage network
http://www.amnetmortgage.com
bank united
0.95% start rate, 8.95% life cap
http://www.bankunited.com/wholesalelending.asp
bridge capital
http://www.bridgecapws.com
chevy chase
1.95 fixed for 5 years; 19.9% cap
http://www.chevychasewholesale.com
countrywide
http://www.cwbc.com
first federal bank of california
http://www.firstfedca.com/brokersite
first magnus
http://www.fmfconline.com
flagstar
http://wholesale.flagstar.com
greenpoint
http://www.greenpointwholesale.com
downey savings and loan
http://www.downeywholesale.com
indymac
http://www.indymacb2b.com
loan city
http://www.loancity.com
mit lending
(sells to washington mutual)
http://www.mitlending.com
prmi funding
http://www.prmifunding.com
sierra pacific
http://www.spm1.com
southern security mortgage
http://www.sosecmtg.com
the mortgage store
95% on o/o
http://www.themortgagestore.net
virtual bank mortgage
http://www.virtualbankmortgage.com
washington mutual
http://www.wamupremierebroker.com
wells fargo
http://www.brokersfirst.com
wholesale lending online
http://www.wlo.com
world savings
http://www.worldmortgage.com
Lender scenario: option arms -- helocs behind option arms
aegis home equity
90% on n/o/o 2nds (no gross-up) [#q6]
http://www.aegisfunding.com
chase
700+; gross-up
http://www.wholesalechase.com
chevy chase
http://www.chevychasewholesale.com
citi
http://broker.citimortgage.com/broker
cu funding
925-771-1000
home equity of america
http://www.homeequityofamerica.com
irwin home equity
http://www.ihepartners.com
national city
http://www.goncm.com
poulsen mortgage
925-932-7016
us bank
http://www.usbank.com/brokerloans
Lender scenario: manufactured & modular -- in parks
21st century mortgage
http://www.www.21stmortgage.com
forward financial
jfc acceptance
http://www.jcfinc.com/Broker/BrokerDealer.asp
mh loan finder
http://www.mhloanfinder.com
val corp
http://www.www.valcorp.com
valentine lenders
800-608-5515
Lender scenario: manufactured & modular -- manufactured
american mortgage network
http://www.amnetmortgage.com
bay lending corporation
http://www.baylending.com
concorde acceptance
80% @ 580 full doc
http://www.concordebroker.com
flagstar
http://wholesale.flagstar.com
franklin direct
http://www.franklin-mtg.com/brokers.php
homeland capital group
http://www.homecapgroup.com
lendmark financial services
http://www.lendmarkfinancial.com
northpointe bank
http://www.npbank.com/loanproducts/residential
platnium capital group
http://www.platniumcapital.com
rbc
http://www.rbcmortgagewholesale.com
taylor bean
http://www.taylorbean.com/contact.html
washtenaw mortgage
http://www.washtenawmortgage.com
wells fargo
http://www.brokerfirst.com
Lender scenario: manufactured & modular -- mobiles
first american mortgage trust
platinum capital group
http://www.platinumcapital.com
prmi funding
http://www.prmifunding.com
Lender scenario: manufactured & modular -- modulars
bay lending
http://www.baylending.com
mandalay mortgage
90% on true modulars
http://www.mandalaymortgage.com
specialty mortgage
treat modulars as stick built, up to 100% financing
http://www.smcmtg.com
Lender scenario: manufactured & modular -- singlewides
21st century
http://www.21stmortgage.com
first magnus
400 square feet
http://www.fmfconline.com
global lending group
727-530-0110
northpointe bank
http://www.npbank.com/loanproducts/residential
oceans funding
http://www.oceansfunding.com
vanderbilt
http://www.clayton.net/index.cfm?include=Financing/vmf.htm
Lender scenario: manufactured & modular -- singlewides
21st century
http://www.21stmortgage.com
first magnus
400 square feet
http://www.fmfconline.com
global lending group
727-530-0110
northpointe bank
http://www.npbank.com/loanproducts/residential
oceans funding
http://www.oceansfunding.com
vanderbilt
http://www.clayton.net/index.cfm?include=Financing/vmf.htm