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Default Array Lookup

I have an array with 8 colums and 7 rows. Each column and each row contains
a range of values (for example, a column heading is "70% and <= 75%", and a
row heading is "=680 and <700") and I need to use the data in the cell in
another formula. How do I write the array formula to look up the data that I
need for the other formula? The value for which column to use is a result of
a Loan-To-Value calculation in another cell in the worksheet, and the row
would be from a customer's credit score that would be entered in another cell
in the worksheet. The cells of the array would contain a value that would be
used to calculate a borrower's closing costs.

Thanks for any assistance!
 
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