Scotsman Guide > Residential > Lender Search > FHA/VA/Government

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FHA/VA/Government Search Engine


View, download or print the entire FHA/VA/Government matrix.

This matrix should be used to find lenders that offer programs sponsored or backed by a government agency, excluding the government-sponsored enterprises now under conservatorship. Examples include loan programs offered by the Federal Housing Administration (FHA), U.S. Department of Veterans Affairs (VA) and U.S. Department of Agriculture (USDA) Rural Housing loans. LTVs are allowed up to 97 percent, FICO scores as low as 580 are allowed, as are bankruptcies/foreclosures, in some cases.

To use the search engine, select the state or states (Control+Click) where you lend. Enter amounts in whole numbers. If the Loan Amount is four hundred seventeen thousand dollars, enter 417000. If the LTV% is eighty, enter 80. Required fields are marked with an asterisk (*). Click Search to execute the search and Clear to erase the entries in the search form.

Would your company like to appear in this matrix and search engine?  E-mail us for information

    Basic search criteria (required *)


    Advanced search criteria (optional)
Doc Types   Abbreviation   Income   Employment   Assets   Notes
Full Documentation   Full   V   V   V  
Stated Income Verified Assets/Employment*   SIVA   S   V   V  
Stated Income Stated Asset   SISA   S   V   S  
No Ratio   No Ratio   N   V   V   DTI not calculated
No Income No Asset   NINA   N   V   N   DTI not calculated
No Doc   No Doc   N   N   N   DTI not calculated

*Use SIVA for Stated Doc types

V = Verified
S = Stated not Verified (i.e. info is on 1003 but not verified)
N = Info not taken on 1003


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