Prime Mortgages
Occupancy: O = Owner-Occupied V = Vacation Home N = Non-Owner-Occupied
Purpose: P = Purchase R = Rate and Term Refi C = Cash-Out Refi
Fixed, ARM, Hybrid: F = Fixed Interest Rate A = Adjustable Rate Mortgage (ARM) H = Hybrid
# Units
Max Loan Amount
Max LTV
Min FICO
DTI Ratio %
Fixed, ARM, Hybrid
ARM Terms
Program Comments
Program Name
Occ
Purp
(855) 226-5100 www.admortgage.com 1234@admortgage.com
AD Mortgage Lending Territory: Nationwide except AK HI MN ND
High Balance Home Ready
OVN
PRC
1-4 1-4 1-2
1.2M
97 97 80
620 620 700
50 50 45
FA
5/6, 7/6, 10/6
FNMA Guidelines - No overlays
O
PR
802K 2.5M
F
RefiNow and Refi Possible
Prime Jumbo F Full spectrum of Conventional, Government and Non-QM products. Prime Jumbo — AUS only, DTI up to 55%. 24-Hour Turnaround Time! OV PRC
(617) 899-1428 www.flcbmtg.com alefebvre@flcb.com
FLCBank Florida Capital Bank N.A. Lending Territory: Nationwide except AK HI
Conforming Fixed Rate/ARM
OVN
PRC PRC PRC
1-4
726K
97 80 45
FA
5/6, 7/6, 10/6 5/1, 7/1, 10/1
DTI per AUS
Preferred Jumbo
OV OV
1 1
1M
720 680
41
A A
65% LTV up to $4MM
HELOC
350K
DTI 45% for CLTV up to 89.99%
Check out our new products and pricing. Now offering a 15-year fixed 2nd mortgage product with a CLTV to 95%.
(800) 760-7833 www.loanstreamwholesale.com wholesalemarketing@lsmortgage.com
LoanStream Lending Territory: Nationwide except KS MS NE NY VT
Agency Conforming
OVN
PRC
1
765.6K 765.6K 765.6K
97 97 95
620 620 620
50 50 50
FA FA FA
5/1, 7/1, 10/1 5/1, 7/1, 10/1
Quick Turn Times
Home Possible
O
PR
1-4 1-4
Great Rates
Agency High Balance
OVN
PRC
7/1, 10/1
County Limits Apply
LoanStream is the ONE lender with Conventional, Government and Non-QM Loans that make you the ONE call from your partners and customers.
(951) 278-0000 www.prmg.net brokerservices@prmg.net DU or LPA A/E required DU or LPA A/E required DU A/E or LPA A/E required
PRMG - Paramount Residential Mortgage Group Lending Territory: Nationwide
Home Ready Home Possible FNMA/FHLMC High Balance
O
PR
1-4
726.2K 726.2K 726.2K
97 95 97
300 300 300
50 50 50
FA
OVN
PRC PRC
1 1
FAH FAH
5/1, 7/1, 10/1 5/1, 7/1, 10/1
FNMA/FHLMC Standard Balance OVN
PRMG is a leading national lender. We deliver jumbo, FHA, VA and conventional products with a high focus on purchase, pricing and service.
Service providers must have substantially similar information security. Mandates published by both Fannie and Freddie include a provision whereby service providers who store, process, access or transmit confidential bor- rower information must comply with similar security and business continuity requirements. Known as “supply chain risk management,” companies are expected to develop, document and implement formal vendor risk manage- ment controls to ensure the controls for new and existing vendors align with — and are as protective as — the company’s information security program. The widely used model for implementing an information security pro- gram is known as the “three lines of defense risk management model.” The first line of defense applies to the people involved in daily operations and those responsible for making sure the information security program is running smoothly. First-line teams implement access controls, security settings and protocols for internal operations, as well as third-party and fourth-party service providers. Second line of defense teams are tasked with establishing policy, standards and procedures. They provide expertise and guidance and monitor how well the first-line controls work. Second-line teams track compli- ance, perform risk assessment and report cybersecurity risks to leadership.
“ Mandates published by both Fannie and Freddie include a provision whereby service providers who store, process, access or transmit confidential borrower information must comply with similar security and business continuity requirements. ”
The third line of defense provides objective and independent assurance. Internal or external auditors evaluate the effectiveness of the entire risk management framework, including controls managed by the first two lines. Auditor reports generally include attestations certifying compliance to indus- try standards such as the National Institute of Standards in Technology (NIST) framework, the International Organization for Standardization (ISO 27001) or Service Organization Controls 2 (SOC 2). ●
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Scotsman Guide | February 2026
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