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As a Fannie Mae Direct Seller and Ginnie Mae Approved lender, we have greater flexibility than most lenders with guidelines that open the door to more prosperity for you and your borrowers.

Access our loan products matrices and detailed guidelines below so you can find the right loan solution for your borrower. If you need our assistance in solving any of your loan challenges, our team of dedicated experts is standing by to answer the phone, so give us a call today.

Down Payment Assistance Program Matrix

OverviewFHAConventionalVAManufactured Homes
Nations Direct is proud to be an approved Fannie Mae and Ginnie Mae lender.
Whether you’re looking for FHA, Conventional or VA, we offer:

  • Broader guidelines and better pricing
  • Direct access to underwriters
  • Live milestone notification delivered to your email inbox
  • View of your pipeline 24/7
  • Your own dedicated and efficient team of loan experts
FHA Products
Standard Balance High Balance Matrix Agency Guidelines
30/25yr Fixed 30/25yr Fixed FHA Matrix FHA Guidelines
15yr Fixed 15yr Fixed HUD FHA FAQ
5/1 ARM 5/1 ARM HUD 4000.1 handbook
HUD FHA Announcements
HUD FHA Mortgagee Letters
HUD FHA County Limit
HUD FHA Approved Condo
Conventional Products
Standard Balance High Balance Matrix Agency Resources
30yr Fixed 30yr Fixed Fannie Mae Matrix Freddie Mac Guidelines
20yr Fixed 20yr Fixed Home Ready Matrix Fannie Mae Guidelines
20yr Fixed 20yr Fixed Freddie Mac Matrix FNMA Loan Lookup
15yr Fixed 15yr Fixed Home Possible Matrix FNMA Approved Condo
10yr Fixed 10yr Fixed Florida Overlay Matrix FNMA Condo Project Standards Information
30yr Fixed LPMI 30yr Fixed LPMI Texas Cash-Out Matrix FHLMC Loan Lookup
5/1 ARM 5/1 ARM
7/1 ARM 7/1 ARM

Premier Conventional Products
Standard Balance High Balance
30yr Fixed 30yr Fixed
25yr Fixed 15yr Fixed
20yr Fixed 30yr Fixed LPMI
15yr Fixed 15yr Fixed LPMI
10yr Fixed
30yr Fixed LPMI
25yr Fixed LPMI
20yr Fixed LPMI
15yr Fixed LPMI
10yr Fixed LPMI

Texas Cash-Out Products
LTV <=80%
30yr Fixed
15yr Fixed
VA Products
Standard Balance High Balance Matrix Agency Resources
30/25yr Fixed 30/25yr Fixed VA Matrix VA Guidelines
15yr Fixed 15yr Fixed VA IRRRL Matrix VA Circulars
5/1 ARM
5/1 ARM
VA Handbook
VA Approved Condo
VA Approved Builders
VA Military Pay Tables
VA Appraisal Fee Schedules
Manufactured Housing – Conventional Products
Standard Balance High Balance
30yr Fixed 30yr Fixed
20yr Fixed 20yr Fixed
15yr Fixed 15yr Fixed
10yr Fixed 10yr Fixed

Manufactured Housing – Government (FHA/VA/USDA) Products
Standard Balance High Balance
30yr Fixed 30yr Fixed
25yr Fixed 25yr Fixed
20yr Fixed 20yr Fixed
15yr Fixed 15yr Fixed