Our Residential Lender Directory lists the major lenders that fund the following types of residential loans:

• Conforming
• Non Conforming
• Credit Problem
• Home Equity
• High LTV
• And More

Conforming Wholesale Lenders:

This exclusive directory lists active lending sources that offer a variety of funding products. The directory of wholesale and correspondent lenders is listed in four sections based upon the area they prefer to fund. They are listed in alphabetical order with their address and telephone number in each section. The sections are:

• National
• Western States
• Central States
• Eastern States

Subprime Lenders (B & C Home Equity Lenders)

Typically, a B & C lender, or Subprime Lender, is one who offers loans to consumers with less than perfect credit (known as 'A' Credit). 'A' Credit loans are generally issued by lenders who offer conforming loans, which means they conform with the secondary agencies, known as Fannie Mae and Freddy Mac. A borrower may be considered subprime for a variety of reasons, which include a history of late payments, spotty employment, high personal debt ratio, previous bankruptcies, and a variety of other factors which would grade him as a B & C Borrower.

High LTV Lenders

Only a few years ago, a 'High LTV' lender was one who offered loans of up to 97% loan-to- value. In today's market, 'High LTV' means loans over 100%, even as high as 125% loan-to- value. At first glance this may sound risky to the lender, but you must remember that these loans are only made to 'A' Credit Borrowers, and not to 'Subprime' Borrowers. The volume of 'High LTV' loans has been on the steady increase and it certainly seems that this trend will continue as long as the U.S. economy is in excellent shape. As soon as a recession is evident, the 'High LTV' laons will go away.

High LTV, Second Mortgage Lenders

In today's market 'High LTV' means loans over 100% loan-to-value. Some of these lenders will lend as high as 150% loan-to-value. These loans are generally for borrowers with good credit. Most of these lenders will require a minimum '640 Loan Score'

Double and/or Single Wide Mobile Home Lenders

These lenders may fund loans as high as 95% loan-to-value. They may or may not require that the mobile home is on private land or in a park. Some lenders may require that the mobile home is ona permanent foundation. These lenders can provide you with their individual requirements.