3/15/2019 11:45 Rate Lock ... · Effective: Rate Lock Hours: Toll free: (866) 453-2400 General: (949) 517-6100 Lock Desk: (866) 439-8542 [email protected]

Effective: www.CarringtonWholesale.com

Rate Lock Hours: Toll free: (866) 453-2400

General: (949) 517-6100

Lock Desk: (866) 439-8542 [email protected]

PAGE PROGRAM

2 CARRINGTON FLEXIBLE ADVANTAGE℠ PLUS PROGRAM

3 CARRINGTON FLEXIBLE ADVANTAGE℠ PROGRAM 7 DAY 0.062

4 CARRINGTON FLEXIBLE INVESTOR ADVANTAGE℠ PROGRAM 10 DAY 0.125

5 FHA LOAN PROGRAMS FICO 641+ 15 DAY 0.250

6 FHA LOAN PROGRAMS FICO < 641 MAX 30 DAYS

7 FHA STREAMLINE LOAN PROGRAMS * All products other than Jumbo

8 FHA 203K STANDARD, FHA 203K LIMITED LOAN PROGRAMS & FHA 203(b) REPAIR ESCROW

9 FHA $100 DOWN PAYMENT LOAN PROGRAMS

10 VA LOAN PROGRAMS FICO 641+ 15 - Day 4/1/2019

11 VA LOAN PROGRAMS FICO < 641 30 - Day 4/16/2019

12 VA IRRRL LOAN PROGRAMS 45 - Day 5/1/2019

13 USDA LOAN PROGRAM FICO 641+ 60 - Day 5/16/2019

14 USDA LOAN PROGRAM FICO < 641

15 USDA STREAMLINED-ASSIST

16 AGENCY FIXED CONFORMING & HIGH BALANCE PROGRAMS PRIME 5.500

17 AGENCY FIXED CONFORMING & HIGH BALANCE PROGRAMS: LOAN LEVEL PRICE ADJUSTMENTS 1-YR LIBOR 2.841

18 LPMI AGENCY LOAN PROGRAMS 1-YR TREASURY CMT 2.520

$0

$150

$150

$85

ANNOUNCEMENTS

Carrington Flexible Advantage℠,

Flexible Advantage Plus℠, and Investor

Advantage Loans℠

$650

Collateral Desktop Analysis (CDA)

Tax Service Fee

PRICING

The prices reflected on this Rate Sheet are

"Indication Only" and are subject to change.

Please refer to the Pricing Engine for true, live

pricing.

LOAN FEES

Underwriting Fee (NJ)

Underwriting Fee (NC)

Underwriting Fee (All other states):

FHA,VA, USDA and Conforming

Conventional Loans$599

3/18/2019 11:40

7:30 - 4:00 PST

WHOLESALE RATESHEET

LOCK EXTENSION COSTS*

LOCK EXPIRATION DATE

MARKET INDICES



General: (949) 517-6100


3/18/2019 11:40

7:30 - 4:00 PST

WHOLESALE RATESHEET

up to 60% 60.01-65% 65.01-70% 70.01-75% 75.01-80% 80.01-85% 85.01-90%Rate 30 Day Rate 30 Day 720+ -2.000 -1.750 -1.500 -1.250 -1.000 0.250 0.7508.990 -6.000 8.990 -5.250 700 - 719 -1.750 -1.500 -1.250 -1.000 -0.750 0.500 1.2508.875 -5.750 8.875 -5.000 680 - 699 -1.500 -1.250 -1.000 -0.750 -0.250 1.250 2.2508.750 -5.500 8.750 -4.750 660 - 679 -1.000 -0.750 -0.500 0.000 0.500 2.250 3.2508.625 -5.250 8.625 -4.500 640 - 659 -0.500 -0.250 0.000 0.750 1.500 3.250 N/A8.500 -5.000 8.500 -4.250 620 - 639 0.000 0.250 1.000 1.750 2.500 4.000 N/A8.375 -4.750 8.375 -4.000 720+ -1.750 -1.250 -1.000 -0.500 0.000 1.250 2.000*8.250 -4.500 8.250 -3.750 700 - 719 -1.500 -1.000 -0.750 -0.250 0.250 1.500 2.500*8.125 -4.250 8.125 -3.500 680 - 699 -1.250 -0.750 -0.500 0.000 0.750 2.250 3.500*7.990 -4.000 7.990 -3.250 660 - 679 -0.750 -0.250 0.000 0.750 1.500 3.250 N/A

7.875 -3.750 7.875 -3.000 640 - 659 0.250 0.500 1.000 2.000 3.000 4.750 N/A

7.750 -3.500 7.750 -2.750 620 - 639 0.750 1.000 2.000 3.000 4.000 N/A N/A

7.625 -3.250 7.625 -2.500 -0.125 -0.125 -0.125 -0.125 -0.125 -0.125 -0.125

7.500 -3.000 7.500 -2.250 * Max 85% LTV for 1yr Alt Doc

7.375 -2.750 7.375 -2.000 ** In addition to the Alternative Doc FICO x LTV Price Adjustments Table

7.250 -2.500 7.250 -1.750

7.125 -2.250 7.125 -1.500

6.990 -2.000 6.990 -1.250 up to 60% 60.01-65% 65.01-70% 70.01-75% 75.01-80% 80.01-85% 85.01-90%

6.875 -1.750 6.875 -1.000 0.250 0.250 0.250 0.250 0.250 0.250 0.2506.750 -1.500 6.750 -0.750 0.750 0.750 0.750 0.750 0.750 0.750 0.7506.625 -1.250 6.625 -0.500 0.500 0.500 0.500 0.750 0.750 1.000 1.0006.500 -1.000 6.500 -0.250 0.000 0.000 0.250 0.250 0.250 0.500 0.5006.375 -0.750 6.375 0.000 -0.250 -0.250 -0.250 -0.250 -0.250 0.000 0.0006.250 -0.500 6.250 0.312 0.000 0.000 0.000 0.000 0.000 0.500 0.5006.125 -0.250 6.125 0.625 0.500 0.500 0.500 0.500 0.750 0.750 N/A

5.990 0.000 5.990 0.938 0.625 0.625 0.625 0.625 0.875 0.875 N/A

5.875 0.250 5.875 1.250 0.500 0.500 0.750 1.000 1.000 1.000 N/A5.750 0.500 5.750 1.562 1.000 1.000 1.000 1.000 1.000 N/A N/A5.625 0.750 5.625 1.875 1.000 1.000 1.250 1.750 2.500 3.000 N/A5.500 1.000 5.500 2.188 0.000 0.000 0.250 0.750 1.500 2.000 N/A5.375 1.250 5.375 2.500 0.000 0.000 0.000 0.000 0.250 0.500 N/A

0.500 0.750 0.750 1.000 1.000 N/A N/A0.500 0.500 0.500 0.500 0.500 N/A N/A0.000 0.000 0.000 0.125 0.125 0.250 0.500

* Priced off 5/1 ARM pricing** Investor - Group B is priced with 3-year prepayment penalty; additional LLPA will apply for PPP with shorter terms

5/1 7/1 10/1

PPP Term LLPA 3.50% 3.50% 3.50%

3 yr 0.00 2/2/5 5/2/5 5/2/5

2 yr 0.50

1 yr 1.00

0 yr 1.50 Residual Income $2,500

Mortgage History 1x30x12

Group B: All other

States

Index 1YR LIBOR BK/FC/SS/DIL

Seasoning36 Months

Floor Start Rate

Qualifying Rate: Max(Fully Indexed, Note Rate)

Other Program RequirementsMin Loan Amount $100,000

Margin Max Loan Amount $3,000,000

2.841 101.00 (Investor) DTI > 43Note

Underwriter Approval Req'd for Rate Lock

Group A: AK, DE, ME,

NC, NJ, VT, WI, WV

This PPP table applies

only to Group B StatesARM Features

Caps

Index Max Rebate Non-Warrantable1-YR LIBOR 102.00 (OO) 2-4 Units

Other

Cash-OutSecond HomeInvestor - Group AInvestor - Group B **Condo

Loan

Amount

Less than 150,000150,000 - 249,999600,001 - 1MM>1MM and ≤ 1.5MM>1.5MM and ≤ 2MM>2.0MM and ≤ 3MM

FICO

(Full Doc)

FICO

(Alternative Doc:

Bank Statements and

1 Year Alt Doc)*

24 Mo Bank Stmt **

Price Adjustments --- Other

Product7/1 ARM*10/1 ARM*

CARRINGTON FLEXIBLE ADVANTAGE℠ PLUS PROGRAM

5/1 ARM 30 YR FIXED PRICE ADJUSTMENTS - FICO x LTV

NE51A NE30F Documentation



General: (949) 517-6100


3/18/2019 11:40

7:30 - 4:00 PST

WHOLESALE RATESHEET

up to 60% 60.01-65% 65.01-70% 70.01-75% 75.01-80% 80.01-85% 85.01-90%

Rate 30 Day 700+ -2.50 -2.25 -2.00 -1.75 -1.25 0.00 1.75*

9.750 -6.000 680 - 699 -2.25 -2.00 -1.75 -1.50 -0.75 1.00 3.00*

9.625 -6.000 Purchase and Rate/Term only 660 - 679 -1.75 -1.50 -1.25 -0.75 0.00 1.75 4.00*

9.500 -6.000 Owner Occ - Primary Residence only 640 - 659 -1.50 -1.25 -1.00 -0.25 0.75 2.50 N/A

9.375 -5.750 12 Mo Bank Statements not eligible 620 - 639 -1.00 -0.75 0.00 0.75 1.75 3.25 N/A

9.250 -5.500 600 - 619 0.00 0.50 1.25 2.00 3.00 N/A N/A

9.125 -5.250 Full Doc: FICO >= 660 580 - 599 1.00 1.25 2.00 2.75 3.75 N/A N/A

8.990 -5.000 24 Mo Bank / 1 Yr Alt Doc: FICO >=680 540 - 579 2.25 2.50 3.25 4.00 N/A N/A N/A

8.875 -4.750 Credit Grade "A" only 500 - 539 2.75 3.00 3.75 4.50 N/A N/A N/A

8.750 -4.500 Residual Income >= $3,500/mo 700+ -2.00 -1.75 -1.25 -0.75 -0.25 1.25 3.00*

8.625 -4.250 Min Loan Amount: $150,000 680 - 699 -1.75 -1.50 -1.00 -0.50 0.25 2.00 4.00*

8.500 -4.000 Max Loan Amount: $750,000 660 - 679 -1.50 -1.25 -0.75 0.00 0.75 3.00 N/A

8.375 -3.750 640 - 659 -0.75 -0.50 0.00 1.00 2.00 4.00 N/A

8.250 -3.500 620 - 639 0.00 0.25 1.25 2.25 3.25 4.75 N/A

8.125 -3.250 600 - 619 1.00 1.25 2.25 3.25 4.25 N/A N/A

7.990 -3.000 580 - 599 2.25 2.50 3.50 4.50 5.00 N/A N/A

7.875 -2.750 -0.125 -0.125 -0.125 -0.125 -0.125 -0.125 -0.125

7.750 -2.500 * Credit Grade "A" is only Eligible for 90% Expanded LTV

7.625 -2.250 ** In addition to the Alternative Doc FICO x LTV Price Adjustments Table

7.500 -2.000 B 0.50 0.50 0.50 0.50 0.50 0.50 N/A

7.375 -1.750 C 1.50 1.50 1.50 N/A N/A N/A N/A

7.250 -1.500 5/1 ARM 0.00 0.00 0.00 0.00 0.00 0.00 0.00*

7.125 -1.250 7/1 ARM 0.25 0.25 0.25 0.25 0.25 0.25 0.25*

6.990 -1.000 10/1 ARM 0.75 0.75 0.75 0.75 0.75 0.75 0.75*

6.875 -0.750 30Yr Fixed 1.25 1.25 1.25 1.00 1.00 1.00 1.00*

6.750 -0.500 < 150,000 0.50 0.50 0.50 0.50 0.50 0.50 N/A

6.625 -0.250 150,000 - 249,999 0.00 0.00 0.25 0.25 0.25 0.25 0.25*

6.500 0.000 250,000 - 600,000 0.00 0.00 0.00 0.00 0.00 0.00 0.00*

6.375 0.250 600,001 - 1MM -0.25 -0.25 -0.25 0.00 0.00 0.00 0.00*

6.250 0.500 1,000,001 - 1.5mm 0.00 0.00 0.25 0.25 0.25 0.25 N/A

6.125 0.750 1,500,001 - 2MM 0.50 0.50 0.50 0.50 0.50 0.50 N/A

5.990 1.000 Cash-Out 0.75 0.75 0.75 1.00 1.00 N/A N/A

5.875 1.250 PPP Term LLPA Second Home 0.75 0.75 1.00 1.00 1.00 N/A N/A

5.750 1.500 3 yr 0.00 Investor - Group A 1.00 1.25 2.00 2.50 3.00 N/A N/A

5.625 1.750 2 yr 0.50 Investor - Group B * 0.00 0.25 1.00 1.50 2.00 N/A N/A

1 yr 1.00 Condo 0.00 0.00 0.00 0.00 0.25 0.25 0.25*

0 yr 1.50 Non-Warrantable 0.50 0.75 0.75 1.00 1.00 N/A N/A

2-4 Units 0.50 0.50 0.50 0.50 0.50 N/A N/A

DTI > 43 0.00 0.00 0.00 0.250 0.250 0.375 0.75*

* Investor - Group B is priced with 3-year prepayment penalty; additional LLPA will apply for PPP with shorter terms

5/1 7/1 10/1

Margin 5.00% 5.00% 5.00% Min Loan Amount

Caps 2/2/5 5/2/5 5/2/5 Max Loan Amount

Index Mortgage History

Floor BK/FC/SS/DIL Seasoning

IO Term Not Available

Note 1YR LIBOR 0x60x12 0x120x12 0x30


Start Rate 24 Months 12 Months Settled

101.00 (Investor) $100,000 $100,000 $100,000

$2,000,000 $2,000,000 $1,000,000

Max Rebate ARM FEATURES Program Requirements

102.00 (OO) A B C

Group B: All other

StatesLoan Amount


only to Group B States

Other

Index

1-YR LIBOR

2.841

FICO

(Full Doc)

90% Expanded LTV

FICO

(Alternative Doc:

Bank Statements

and 1 Year Alt Doc)

24 Mo Bank Stmt **

Credit Grade

Group A: AK, DE,

ME, NC, NJ, VT, WI,

WVProduct

CARRINGTON FLEXIBLE ADVANTAGE℠ PROGRAMOWNER OCC 5/1 ARM PRICE ADJUSTMENTS - FICO x LTV

N51A (A)



General: (949) 517-6100


3/18/2019 11:40

7:30 - 4:00 PST

WHOLESALE RATESHEET

up to 55% 55.01-60% 60.01-65% 65.01-70% 70.01-75% 75.01-80%

Rate 30 Day 760+ -1.750 -1.500 -1.500 -1.250 -0.750 1.250

9.990 -6.000 740 - 759 -1.500 -1.500 -1.500 -1.000 -0.500 1.500

9.875 -6.000 720 - 739 -1.500 -1.250 -1.250 -0.500 0.500 2.000

9.750 -6.000 700 - 719 -1.000 -1.000 -1.000 -0.250 1.500 3.000

9.625 -6.000 680 - 699 -0.750 -0.500 -0.500 0.000 2.000 3.500

9.500 -5.750 660 - 679 -0.250 0.000 0.000 0.500 3.000 NA

9.375 -5.500 640 - 659 0.500 0.750 0.750 1.500 3.750 NA

9.250 -5.250 620 - 639 2.000 2.500 3.000 3.250 5.000 NA

9.125 -5.000 * Subject to Eligibility Criteria based on FICO, loan amount, loan purpose and DCR

8.990 -4.750

8.875 -4.500

8.750 -4.250 up to 55% 55.01-60% 60.01-65% 65.01-70% 70.01-75% 75.01-80%

8.625 -4.000 ≥ 1.15 0.000 0.000 0.000 0.000 0.000 0.000

8.500 -3.750 1.100 - 1.149 0.000 0.000 0.000 0.375 0.375 0.375

8.375 -3.500 1.050 - 1.099 0.000 0.000 0.000 0.625 0.625 0.625

8.250 -3.250 1.000 - 1.049 0.000 0.000 0.000 1.000 1.000 1.000

8.125 -3.000 0.750 - 0.999 0.000 0.000 0.000 1.250 1.250 1.250

7.990 -2.750 10/1 ARM 0.500 0.500 0.500 0.250 0.250 0.250

7.875 -2.500 30Yr Fixed 1.250 1.250 1.250 1.250 1.250 1.250

7.750 -2.250 Less than 100,000 3.000 3.000 3.000 3.000 3.000 3.000

7.625 -2.000 100,000 - 149,999 1.500 1.500 1.500 1.500 1.500 1.500

7.500 -1.750 150,000 - 249,999 0.000 0.000 0.000 0.250 0.250 0.500

7.375 -1.500 250,000 - 600,000 0.000 0.000 0.000 0.000 0.000 0.000

7.250 -1.250 600,001 - 1MM -0.250 -0.250 -0.250 -0.250 0.000 0.000

7.125 -1.000 > 1.0MM and ≤ 1.5MM 0.000 0.000 0.250 0.250 0.250 NA

6.990 -0.750 > 1.5MM and ≤ 2MM 0.250 0.250 0.500 0.500 0.500 NA

6.875 -0.500 Cash-Out 0.500 0.500 0.500 1.000 1.000 NA

6.750 -0.250 Rate Term 0.000 0.000 0.000 0.000 0.000 0.000

6.625 0.000 2-4 Units 0.250 0.250 0.500 0.500 0.500 NA

6.500 0.250 PPP Term LLPA Condo 0.250 0.250 0.250 0.500 0.500 0.500

6.375 0.500 3 yr 0.00 Non-Warrantable 0.500 0.500 0.750 1.000 1.000 NA

6.250 0.750 2 yr 0.50 No Impounds 0.125 0.125 0.125 0.125 0.125 0.125

6.125 1.000 1 yr 1.00 Group A States 1.500 1.500 1.500 1.500 1.500 1.500

5.990 1.375 0 yr 1.50 Group B States * 0.000 0.000 0.000 0.000 0.000 0.000

5.875 1.750 * Group B States are priced with 3-year prepayment penalty; additional LLPA will apply for PPP with shorter terms

5/1 10/1 12-mo Mtg/Rental History

Margin 6.00% 6.00% BK Seasoning

Caps 2/2/5 5/2/5 FC/SS/DIL Seasoning

Index Min Loan Amt

Floor Max Loan AmtNote Start Rate $2.0 MM


Max Rebate 24 Months101.00 24 Months

1YR LIBOR $100,000

Index1-YR LIBOR

2.841 ARM FEATURES Program Requirements1x30x12

FICO

PRICE ADJUSTMENTS *

Debt Coverage

Ratio

Group A: AK, DE,

ME, NC, NJ, VT, WI,

WV

Product Type

Loan AmountGroup B: All other

States


only to Group B States

Other

CARRINGTON FLEXIBLE INVESTOR ADVANTAGE℠ PROGRAM

INVESTOR 5/1 ARM PRICE ADJUSTMENTS - FICO x LTV *

N51AINVADV Investor Advantage



General: (949) 517-6100


3/18/2019 11:40

7:30 - 4:00 PST

WHOLESALE RATESHEET

Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day

5.750 -4.908 -4.814 -4.814 -4.744 5.750 -3.177 -3.083 -3.083 -3.013 4.625 -3.482 -3.482 -3.419 -3.419

5.625 -4.947 -4.853 -4.853 -4.822 5.625 -3.216 -3.122 -3.122 -3.091 4.500 -3.261 -3.261 -3.198 -3.198

5.500 -4.685 -4.591 -4.591 -4.560 5.500 -2.954 -2.860 -2.860 -2.829 4.375 -3.046 -3.046 -2.983 -2.983

5.375 -4.393 -4.299 -4.299 -4.268 5.375 -2.662 -2.568 -2.568 -2.537 4.250 -2.826 -2.826 -2.763 -2.763

5.250 -4.087 -3.993 -3.993 -3.962 5.250 -2.356 -2.262 -2.262 -2.231 4.125 -2.886 -2.886 -2.824 -2.824

5.125 -4.393 -4.315 -4.315 -4.268 5.125 -3.036 -2.958 -2.958 -2.911 4.000 -2.670 -2.670 -2.608 -2.608

5.000 -4.098 -4.020 -4.020 -3.973 5.000 -2.742 -2.664 -2.664 -2.617 3.875 -2.341 -2.341 -2.279 -2.279

4.875 -3.793 -3.715 -3.715 -3.668 4.875 -2.436 -2.358 -2.358 -2.311 3.750 -1.980 -1.980 -1.918 -1.918

4.750 -3.460 -3.382 -3.382 -3.335 4.750 -2.104 -2.026 -2.026 -1.979 3.625 -1.016 -1.016 -0.969 -0.969

4.625 -3.800 -3.691 -3.691 -3.605 4.625 -2.444 -2.335 -2.335 -2.249 3.500 -0.655 -0.655 -0.608 -0.608

4.500 -3.443 -3.334 -3.334 -3.248 4.500 -2.086 -1.977 -1.977 -1.891 3.375 -0.294 -0.294 -0.247 -0.247

4.375 -3.076 -2.967 -2.967 -2.881 4.375 -1.719 -1.610 -1.610 -1.524 3.250 0.067 0.067 0.114 0.114

4.250 -2.691 -2.582 -2.582 -2.496 4.250 -1.335 -1.226 -1.226 -1.140

4.125 -2.494 -2.384 -2.384 -2.314 4.125 -1.044 -0.934 -0.934 -0.864

4.000 -2.108 -1.998 -1.998 -1.928 4.000 -0.658 -0.548 -0.548 -0.478

3.875 -0.644 -0.534 -0.534 -0.464

3.750 -0.644 -0.534 -0.534 -0.464

Loan Amt > $200,000 0.000 FICO 675+ -0.250 * Premier FHA Experts

Loan Amt $150,000 - $200,000 0.250 * Max LTV of 96.5%

Loan Amt $100,000 - $149,999 0.625 3-4 Units 0.750

Loan Amt $60,000 - $99,999 1.500 Manufactured Housing 1.000

Loan Amt < $60,000 2.000 DTI >50 0.250

Hi-Balance in CA 0.125

MAX REBATE (-5.500)

* Ginnie Mae direct issuer

ANNOUNCEMENT

Broker Disclosed LEs Accepted; Order a 4506-T on your own.

F30F641 / F25F641 H30F641 F15F641

FHA PRICE ADJUSTMENTS FICO 641+ PRODUCT FEATURES

* Debt to income ratio determined by

AUS

FHA LOAN PROGRAMS FICO 641+

FHA 30YR / 25YR FIXED FICO 641+ FHA 30YR FIXED HIGH BALANCE FICO 641+ FHA 15YR FIXED FICO 641+



General: (949) 517-6100


3/18/2019 11:40

7:30 - 4:00 PST

WHOLESALE RATESHEET


5.750 -4.231 -4.137 -4.137 -4.067 5.750 -2.500 -2.406 -2.406 -2.336 4.625 -2.812 -2.812 -2.749 -2.749

5.625 -4.270 -4.176 -4.176 -4.145 5.625 -2.539 -2.445 -2.445 -2.414 4.500 -2.591 -2.591 -2.528 -2.528

5.500 -4.008 -3.914 -3.914 -3.883 5.500 -2.277 -2.183 -2.183 -2.152 4.375 -2.376 -2.376 -2.313 -2.313

5.375 -3.716 -3.622 -3.622 -3.591 5.375 -1.985 -1.891 -1.891 -1.860 4.250 -2.156 -2.156 -2.093 -2.093

5.250 -3.410 -3.316 -3.316 -3.285 5.250 -1.679 -1.585 -1.585 -1.554 4.125 -2.216 -2.216 -2.154 -2.154

5.125 -3.716 -3.638 -3.638 -3.591 5.125 -2.359 -2.281 -2.281 -2.234 4.000 -2.000 -2.000 -1.938 -1.938

5.000 -3.421 -3.343 -3.343 -3.296 5.000 -2.065 -1.987 -1.987 -1.940 3.875 -1.671 -1.671 -1.609 -1.609

4.875 -3.116 -3.038 -3.038 -2.991 4.875 -1.759 -1.681 -1.681 -1.634 3.750 -1.310 -1.310 -1.248 -1.248

4.750 -2.783 -2.705 -2.705 -2.658 4.750 -1.427 -1.349 -1.349 -1.302 3.625 -0.346 -0.346 -0.299 -0.299

4.625 -3.123 -3.014 -3.014 -2.928 4.625 -1.767 -1.658 -1.658 -1.572 3.500 0.015 0.015 0.062 0.062

4.500 -2.766 -2.657 -2.657 -2.571 4.500 -1.409 -1.300 -1.300 -1.214 3.375 0.376 0.376 0.423 0.423

4.375 -2.399 -2.290 -2.290 -2.204 4.375 -1.042 -0.933 -0.933 -0.847 3.250 0.737 0.737 0.784 0.784

4.250 -2.014 -1.905 -1.905 -1.819 4.250 -0.658 -0.549 -0.549 -0.463

4.125 -1.817 -1.707 -1.707 -1.637 4.125 -0.367 -0.257 -0.257 -0.187

4.000 -1.431 -1.321 -1.321 -1.251 4.000 0.019 0.129 0.129 0.199

3.875 -1.031 -0.921 -0.921 -0.851

3.750 -0.619 -0.509 -0.509 -0.439

Loan Amt > $200,000 0.000 FICO 620 - 640 0.000

Loan Amt $150,000 - $200,000 0.250 FICO 600 - 619 0.750

Loan Amt $100,000 - $149,999 0.625 FICO 580 - 599 0.750

Loan Amt $60,000 - $99,999 1.500 FICO 560 - 579 1.250

Loan Amt < $60,000 2.000 FICO < 560 1.250

Non Traditional Credit 1.000

3-4 Units 0.750 * Premier FHA Experts

Manufactured Housing 1.000 * Max LTV of 96.5%

DTI >50 0.250 * Min FICO 500 (90% max)

* Min FICO 580 (96.5% max)


MAX REBATE (-5.500)

* Debt to income ratio determined by

AUS


F30F / F25F H30F F15F

FHA PRICE ADJUSTMENTS FICO < 641

PRODUCT FEATURES

FHA LOAN PROGRAMS FICO < 641

FHA 30YR / 25YR FIXED FICO < 641 FHA 30YR FIXED HIGH BALANCE FICO < 641 FHA 15YR FIXED FICO < 641



General: (949) 517-6100


3/18/2019 11:40

7:30 - 4:00 PST

WHOLESALE RATESHEET


5.750 -4.108 -4.014 -4.014 -3.944 5.750 -2.577 -2.483 -2.483 -2.413 4.625 -2.832 -2.832 -2.769 -2.769

5.625 -4.147 -4.053 -4.053 -4.022 5.625 -2.616 -2.522 -2.522 -2.491 4.500 -2.611 -2.611 -2.548 -2.548

5.500 -3.885 -3.791 -3.791 -3.760 5.500 -2.354 -2.260 -2.260 -2.229 4.375 -2.396 -2.396 -2.333 -2.333

5.375 -3.593 -3.499 -3.499 -3.468 5.375 -2.062 -1.968 -1.968 -1.937 4.250 -2.176 -2.176 -2.113 -2.113

5.250 -3.287 -3.193 -3.193 -3.162 5.250 -1.756 -1.662 -1.662 -1.631 4.125 -2.236 -2.236 -2.174 -2.174

5.125 -3.593 -3.515 -3.515 -3.468 5.125 -2.436 -2.358 -2.358 -2.311 4.000 -2.020 -2.020 -1.958 -1.958

5.000 -3.298 -3.220 -3.220 -3.173 5.000 -2.142 -2.064 -2.064 -2.017 3.875 -1.691 -1.691 -1.629 -1.629

4.875 -2.993 -2.915 -2.915 -2.868 4.875 -1.836 -1.758 -1.758 -1.711 3.750 -1.330 -1.330 -1.268 -1.268

4.750 -2.660 -2.582 -2.582 -2.535 4.750 -1.504 -1.426 -1.426 -1.379 3.625 -0.366 -0.366 -0.319 -0.319

4.625 -3.000 -2.891 -2.891 -2.805 4.625 -1.844 -1.735 -1.735 -1.649 3.500 -0.005 -0.005 0.042 0.042

4.500 -2.643 -2.534 -2.534 -2.448 4.500 -1.486 -1.377 -1.377 -1.291 3.375 0.356 0.356 0.403 0.403

4.375 -2.276 -2.167 -2.167 -2.081 4.375 -1.119 -1.010 -1.010 -0.924 3.250 0.717 0.717 0.764 0.764

4.250 -1.891 -1.782 -1.782 -1.696 4.250 -0.735 -0.626 -0.626 -0.540

4.125 -1.694 -1.584 -1.584 -1.514 4.125 -0.444 -0.334 -0.334 -0.264

4.000 -1.308 -1.198 -1.198 -1.128 4.000 -0.058 0.052 0.052 0.122

3.875 -0.908 -0.798 -0.798 -0.728

3.750 -0.496 -0.386 -0.386 -0.316

Loan Amt > $200,000 0.000 * Premier FHA Experts

Loan Amt $100,000 - $200,000 0.250 * Max CLTV of 125%

Loan Amt $65,000 - $99,999 0.625 * Debt to income ratio determined by AUS

Loan Amt $50,000 - $64,999 1.500 * No income or Appraisal on Streamline Refi

Loan Amt < $50,000 2.000 * Ginnie Mae direct issuer

3-4 Units 0.750

Manufactured Housing 1.000

Non-Owner 0.750

MAX REBATE Streamline (-5.500)

F30FSR / F25FSR H30FSR F15FSR

FHA PRICE ADJUSTMENTS PRODUCT FEATURES

FHA STREAMLINE LOAN PROGRAMS

FHA 30YR FIXED and FHA 25YR FIXED FHA 30YR FIXED HIGH BALANCE FHA 15YR FIXED



General: (949) 517-6100


3/18/2019 11:40

7:30 - 4:00 PST

WHOLESALE RATESHEET

Rate 45 Day 60 Day Rate 45 Day 60 Day

5.750 -2.664 -2.594 5.750 -1.133 -1.063

5.625 -2.703 -2.672 5.625 -1.172 -1.141

5.500 -2.441 -2.410 5.500 -0.910 -0.879

5.375 -2.149 -2.118 5.375 -0.618 -0.587

5.250 -1.843 -1.812 5.250 -0.312 -0.281

5.125 -2.165 -2.118 5.125 -1.008 -0.961

5.000 -1.870 -1.823 5.000 -0.714 -0.667

4.875 -1.565 -1.518 4.875 -0.408 -0.361

4.750 -1.232 -1.185 4.750 -0.076 -0.029

4.625 -1.541 -1.455 4.625 -0.385 -0.299

4.500 -1.184 -1.098 4.500 -0.027 0.059

4.375 -0.817 -0.731 4.375 0.340 0.426

4.250 -0.432 -0.346 4.250 0.724 0.810

4.125 -0.234 -0.164 4.125 1.016 1.086

4.000 0.152 0.222 4.000 1.402 1.472

Loan Amt > $200,000 0.000 FICO 641+ 0.000

Loan Amt $150,000 - $200,000 0.250 FICO 620 - 640 0.500

Loan Amt $100,000 - $149,999 0.625 FICO 600 - 619 1.000 * Max Debt to income ratio 49.99%

Loan Amt $60,000 - $99,999 1.500 FICO 580 - 599 1.500 * Owner Occupied Only

Loan Amt < $60,000 2.000 FICO 560 - 579 2.000 * Cash Out Not Allowed

FICO < 560 2.500 * Ginnie Mae direct issuer

Manual U/W 1.000

3-4 Units 0.750

***FULL 203K*** 0.250

ANNOUNCEMENT

MAX REBATE (-5.500)

* Min. FICO 500 (90% max) Min FICO

580 (96.5% max)

FHA 30YR 203K & 203(b) REPAIR ESCROW FHA 30YR HIGH BAL 203K & REPAIR ESCROW

F30F203K / F30FRE / F30F203KFULL H30F203K / H30FRE / H30F203KFULL

FHA 203K, 203( b) PRICE ADJUSTMENTS PRODUCT FEATURES

FHA 203K STANDARD, FHA 203K LIMITED LOAN PROGRAMS & FHA 203(b) REPAIR ESCROW



General: (949) 517-6100


3/18/2019 11:40

7:30 - 4:00 PST

WHOLESALE RATESHEET


5.750 -3.158 -3.064 -3.064 -2.994 4.625 -1.882 -1.882 -1.819 -1.819 5.750 -1.627 -1.533 -1.533 -1.463

5.625 -3.197 -3.103 -3.103 -3.072 4.500 -1.661 -1.661 -1.598 -1.598 5.625 -1.666 -1.572 -1.572 -1.541

5.500 -2.935 -2.841 -2.841 -2.810 4.375 -1.446 -1.446 -1.383 -1.383 5.500 -1.404 -1.310 -1.310 -1.279

5.375 -2.643 -2.549 -2.549 -2.518 4.250 -1.226 -1.226 -1.163 -1.163 5.375 -1.112 -1.018 -1.018 -0.987

5.250 -2.337 -2.243 -2.243 -2.212 4.125 -1.286 -1.286 -1.224 -1.224 5.250 -0.806 -0.712 -0.712 -0.681

5.125 -2.643 -2.565 -2.565 -2.518 4.000 -1.070 -1.070 -1.008 -1.008 5.125 -1.486 -1.408 -1.408 -1.361

5.000 -2.348 -2.270 -2.270 -2.223 3.875 -0.741 -0.741 -0.679 -0.679 5.000 -1.192 -1.114 -1.114 -1.067

4.875 -2.043 -1.965 -1.965 -1.918 3.750 -0.380 -0.380 -0.318 -0.318 4.875 -0.886 -0.808 -0.808 -0.761

4.750 -1.710 -1.632 -1.632 -1.585 3.625 0.584 0.584 0.631 0.631 4.750 -0.554 -0.476 -0.476 -0.429

4.625 -2.050 -1.941 -1.941 -1.855 3.500 0.945 0.945 0.992 0.992 4.625 -0.894 -0.785 -0.785 -0.699

4.500 -1.693 -1.584 -1.584 -1.498 3.375 1.306 1.306 1.353 1.353 4.500 -0.536 -0.427 -0.427 -0.341

4.375 -1.326 -1.217 -1.217 -1.131 3.250 1.667 1.667 1.714 1.714 4.375 -0.169 -0.060 -0.060 0.026

4.250 -0.941 -0.832 -0.832 -0.746 4.250 0.215 0.324 0.324 0.410

4.125 -0.744 -0.634 -0.634 -0.564 4.125 0.506 0.616 0.616 0.686

4.000 -0.358 -0.248 -0.248 -0.178 4.000 0.892 1.002 1.002 1.072

Loan Amt > $200,000 0.000 FICO 641+ 0.000

Loan Amt $150,000 - $200,000 0.250 FICO 620 - 640 0.500

Loan Amt $100,000 - $149,999 0.625 FICO 600 - 619 1.000

Loan Amt $60,000 - $99,999 1.500 FICO 580 - 599 1.500

Loan Amt < $60,000 2.000 FICO 560 - 579 2.000

FICO < 560 2.500

* Min. FICO 500

* Max Debt to income ratio 43%

* Owner Occupied Only

* Cash Out Not Allowed

ANNOUNCEMENT * 1-2 Units Only


MAX REBATE (-5.500)

FHA PRICE ADJUSTMENTS

PRODUCT FEATURES

FHA $100 DOWN PAYMENT LOAN PROGRAMS

FHA 30YR FIXED $100 DOWN PMT FHA 15YR FIXED $100 DOWN PMT FHA 30YR FIXED HIGH BALANCE $100 DOWN PMT

F30F100D F15F100D H30F100D



General: (949) 517-6100


3/18/2019 11:40

7:30 - 4:00 PST

WHOLESALE RATESHEET


5.750 -4.684 -4.590 -4.590 -4.520 4.625 -2.387 -2.387 -2.324 -2.324 5.750 -3.253 -3.159 -3.159 -3.089

5.625 -4.571 -4.477 -4.477 -4.446 4.500 -2.213 -2.213 -2.150 -2.150 5.625 -3.140 -3.046 -3.046 -3.015

5.500 -4.353 -4.259 -4.259 -4.228 4.375 -2.039 -2.039 -1.976 -1.976 5.500 -2.922 -2.828 -2.828 -2.797

5.375 -4.108 -4.014 -4.014 -3.983 4.250 -1.860 -1.860 -1.797 -1.797 5.375 -2.676 -2.582 -2.582 -2.551

5.250 -3.852 -3.758 -3.758 -3.727 4.125 -1.788 -1.788 -1.726 -1.726 5.250 -2.421 -2.327 -2.327 -2.296

5.125 -3.980 -3.902 -3.902 -3.855 4.000 -1.611 -1.611 -1.549 -1.549 5.125 -2.924 -2.846 -2.846 -2.799

5.000 -3.739 -3.661 -3.661 -3.614 3.875 -1.319 -1.319 -1.257 -1.257 5.000 -2.683 -2.605 -2.605 -2.558

4.875 -3.489 -3.411 -3.411 -3.364 3.750 -0.997 -0.997 -0.935 -0.935 4.875 -2.433 -2.355 -2.355 -2.308

4.750 -3.215 -3.137 -3.137 -3.090 3.625 0.169 0.169 0.216 0.216 4.750 -2.159 -2.081 -2.081 -2.034

4.625 -3.356 -3.247 -3.247 -3.161 3.500 0.482 0.482 0.529 0.529 4.625 -2.300 -2.191 -2.191 -2.105

4.500 -3.054 -2.945 -2.945 -2.859 3.375 0.778 0.778 0.825 0.825 4.500 -1.997 -1.888 -1.888 -1.802

4.375 -2.747 -2.638 -2.638 -2.552 3.250 1.071 1.071 1.118 1.118 4.375 -1.691 -1.582 -1.582 -1.496

4.250 -2.431 -2.322 -2.322 -2.236 3.125 1.881 1.881 1.928 1.928 4.250 -1.375 -1.266 -1.266 -1.180

4.125 -2.009 -1.899 -1.899 -1.829 3.000 2.174 2.174 2.221 2.221 4.125 -0.859 -0.749 -0.749 -0.679

4.000 -1.692 -1.582 -1.582 -1.512 2.875 2.467 2.467 2.514 2.514 4.000 -0.542 -0.432 -0.432 -0.362

3.875 -1.364 -1.254 -1.254 -1.184

3.750 -1.026 -0.916 -0.916 -0.846

Loan Amt > $200,000 0.000 FICO 675+ -0.250

Loan Amt $150,000 - $200,000 0.250

Loan Amt $100,000 - $149,999 0.625 Non traditional credit 1.000

Loan Amt $60,000 - $99,999 1.500

Loan Amt < $60,000 2.000 3-4 Units 0.750


DTI >50 0.250


MAX REBATE (-5.500)

V30F641 / V25F641 V15F641 H30FVA641

VA PRICE ADJUSTMENTS FICO 641+

VA LOAN PROGRAMS FICO 641+

VA 30YR / 25YR FIXED FICO 641+ VA 15YR FIXED FICO 641+ VA 30YR FIXED HIGH BALANCE FICO 641+



General: (949) 517-6100


3/18/2019 11:40

7:30 - 4:00 PST

WHOLESALE RATESHEET


5.750 -3.569 -3.475 -3.475 -3.405 4.625 -1.472 -1.472 -1.409 -1.409 5.750 -1.803 -1.709 -1.709 -1.639

5.625 -3.456 -3.362 -3.362 -3.331 4.500 -1.298 -1.298 -1.235 -1.235 5.625 -1.690 -1.596 -1.596 -1.565

5.500 -3.238 -3.144 -3.144 -3.113 4.375 -1.124 -1.124 -1.061 -1.061 5.500 -1.472 -1.378 -1.378 -1.347

5.375 -2.993 -2.899 -2.899 -2.868 4.250 -0.945 -0.945 -0.882 -0.882 5.375 -1.226 -1.132 -1.132 -1.101

5.250 -2.737 -2.643 -2.643 -2.612 4.125 -0.873 -0.873 -0.811 -0.811 5.250 -0.971 -0.877 -0.877 -0.846

5.125 -2.865 -2.787 -2.787 -2.740 4.000 -0.696 -0.696 -0.634 -0.634 5.125 -1.474 -1.396 -1.396 -1.349

5.000 -2.624 -2.546 -2.546 -2.499 3.875 -0.404 -0.404 -0.342 -0.342 5.000 -1.233 -1.155 -1.155 -1.108

4.875 -2.374 -2.296 -2.296 -2.249 3.750 -0.082 -0.082 -0.020 -0.020 4.875 -0.983 -0.905 -0.905 -0.858

4.750 -2.100 -2.022 -2.022 -1.975 3.625 1.084 1.084 1.131 1.131 4.750 -0.709 -0.631 -0.631 -0.584

4.625 -2.241 -2.132 -2.132 -2.046 3.500 1.397 1.397 1.444 1.444 4.625 -0.850 -0.741 -0.741 -0.655

4.500 -1.939 -1.830 -1.830 -1.744 3.375 1.693 1.693 1.740 1.740 4.500 -0.547 -0.438 -0.438 -0.352

4.375 -1.632 -1.523 -1.523 -1.437 3.250 1.986 1.986 2.033 2.033 4.375 -0.241 -0.132 -0.132 -0.046

4.250 -1.316 -1.207 -1.207 -1.121 3.125 2.796 2.796 2.843 2.843 4.250 0.075 0.184 0.184 0.270

4.125 -0.894 -0.784 -0.784 -0.714 3.000 3.089 3.089 3.136 3.136 4.125 0.591 0.701 0.701 0.771

4.000 -0.577 -0.467 -0.467 -0.397 2.875 3.382 3.382 3.429 3.429 4.000 0.908 1.018 1.018 1.088

3.875 -0.249 -0.139 -0.139 -0.069

3.750 0.089 0.199 0.199 0.269

Loan Amt > $200,000 0.000 FICO 620 - 640 0.000

Loan Amt $150,000 - $200,000 0.250 FICO 600 - 619 0.750

Loan Amt $100,000 - $149,999 0.625 FICO 580 - 599 0.750

Loan Amt $60,000 - $99,999 1.500 FICO 560 - 579 1.250

Loan Amt < $60,000 2.000 FICO < 560 1.250


3-4 Units 0.750


DTI >50 0.250


MAX REBATE (-5.500)

VA PRICE ADJUSTMENTS FICO < 641

VA LOAN PROGRAMS FICO < 641

VA 30YR / 25YR FIXED FICO < 641 VA 15YR FIXED FICO < 641 VA 30YR FIXED HIGH BALANCE FICO < 641

V30F / V25F V15F H30FVA



General: (949) 517-6100


3/18/2019 11:40

7:30 - 4:00 PST

WHOLESALE RATESHEET


5.750 -3.659 -3.565 -3.565 -3.495 4.625 -1.637 -1.637 -1.574 -1.574 5.750 -2.003 -1.909 -1.909 -1.839

5.625 -3.546 -3.452 -3.452 -3.421 4.500 -1.463 -1.463 -1.400 -1.400 5.625 -1.890 -1.796 -1.796 -1.765

5.500 -3.328 -3.234 -3.234 -3.203 4.375 -1.289 -1.289 -1.226 -1.226 5.500 -1.672 -1.578 -1.578 -1.547

5.375 -3.083 -2.989 -2.989 -2.958 4.250 -1.110 -1.110 -1.047 -1.047 5.375 -1.426 -1.332 -1.332 -1.301

5.250 -2.827 -2.733 -2.733 -2.702 4.125 -1.038 -1.038 -0.976 -0.976 5.250 -1.171 -1.077 -1.077 -1.046

5.125 -2.955 -2.877 -2.877 -2.830 4.000 -0.861 -0.861 -0.799 -0.799 5.125 -1.674 -1.596 -1.596 -1.549

5.000 -2.714 -2.636 -2.636 -2.589 3.875 -0.569 -0.569 -0.507 -0.507 5.000 -1.433 -1.355 -1.355 -1.308

4.875 -2.464 -2.386 -2.386 -2.339 3.750 -0.247 -0.247 -0.185 -0.185 4.875 -1.183 -1.105 -1.105 -1.058

4.750 -2.190 -2.112 -2.112 -2.065 3.625 0.919 0.919 0.966 0.966 4.750 -0.909 -0.831 -0.831 -0.784

4.625 -2.331 -2.222 -2.222 -2.136 3.500 1.232 1.232 1.279 1.279 4.625 -1.050 -0.941 -0.941 -0.855

4.500 -2.029 -1.920 -1.920 -1.834 3.375 1.528 1.528 1.575 1.575 4.500 -0.747 -0.638 -0.638 -0.552

4.375 -1.722 -1.613 -1.613 -1.527 3.250 1.821 1.821 1.868 1.868 4.375 -0.441 -0.332 -0.332 -0.246

4.250 -1.406 -1.297 -1.297 -1.211 4.250 -0.125 -0.016 -0.016 0.070

4.125 -0.984 -0.874 -0.874 -0.804 4.125 0.391 0.501 0.501 0.571

4.000 -0.667 -0.557 -0.557 -0.487 4.000 0.708 0.818 0.818 0.888

3.875 -0.339 -0.229 -0.229 -0.159

3.750 -0.001 0.109 0.109 0.179

Loan Amt > $200,000 0.000

Loan Amt $100,000 - $200,000 0.250

Loan Amt $65,000 - $99,999 1.000

Loan Amt $50,000 - $64,999 1.500

Loan Amt < $50,000 2.000


Non Owner 0.750

3-4 Units 0.750

MAX REBATE (-5.500)

VA PRICE ADJUSTMENTS

VA IRRRL LOAN PROGRAMS

VA 30YR FIXED and VA 25YR FIXED VA 15YR FIXED VA 30YR FIXED HIGH BALANCE

V30FIRRRL / V25FIRRRL V15FIRRRL H30FVIRRRL



General: (949) 517-6100


3/18/2019 11:40

7:30 - 4:00 PST

WHOLESALE RATESHEET

Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day

5.000 -2.836 -2.758 -2.758 -2.711 5.000 -1.680 -1.602 -1.602 -1.555

4.875 -2.531 -2.453 -2.453 -2.406 4.875 -1.374 -1.296 -1.296 -1.249

4.750 -2.198 -2.120 -2.120 -2.073 4.750 -1.042 -0.964 -0.964 -0.917

4.625 -2.538 -2.429 -2.429 -2.343 4.625 -1.382 -1.273 -1.273 -1.187

4.500 -2.181 -2.072 -2.072 -1.986 4.500 -1.024 -0.915 -0.915 -0.829

4.375 -1.814 -1.705 -1.705 -1.619 4.375 -0.657 -0.548 -0.548 -0.462

4.250 -1.429 -1.320 -1.320 -1.234 4.250 -0.273 -0.164 -0.164 -0.078

4.125 -1.232 -1.122 -1.122 -1.052 4.125 0.018 0.128 0.128 0.198

4.000 -0.846 -0.736 -0.736 -0.666 4.000 0.404 0.514 0.514 0.584

3.875 -0.446 -0.336 -0.336 -0.266 3.875 0.804 0.914 0.914 0.984

3.750 -0.034 0.076 0.076 0.146 3.750 1.216 1.326 1.326 1.396

3.625 0.483 0.530 0.530 0.569

3.500 0.894 0.941 0.941 0.980

3.375 1.322 1.369 1.369 1.408

3.250 1.762 1.809 1.809 1.848

Loan Amt > $200,000 0.000 * Max Debt to income ratio 41%

Loan Amt $150,000 - $200,000 0.000 * Owner Occupied Ony

Loan Amt $100,000 - $149,999 0.000 * Cash Out Not Allowed

Loan Amt $60,000 - $99,999 1.000 * Ginnie Mae direct issuer

Loan Amt < $60,000 1.500

3-4 Units 0.750 Non Traditional Credit 1.000


DTI >50 0.250

Manual U/W 1.000 Hi-Balance in CA 0.125

No Manual U/W adjustment for Hi-Balance

MAX REBATE (-5.500)

USDA PRICE ADJUSTMENTS FICO 641+ PRODUCT FEATURES

ANNOUNCEMENT

Guarantee Fee & Annual Fee Reduced

USDA LOAN PROGRAM FICO 641+

USDA 30YR FIXED FICO 641+ USDA 30YR FIXED HIGH BALANCE FICO 641+

U30F641 UH30F641



General: (949) 517-6100


3/18/2019 11:40

7:30 - 4:00 PST

WHOLESALE RATESHEET


5.000 -1.812 -1.734 -1.734 -1.687 5.000 -0.656 -0.578 -0.578 -0.531

4.875 -1.507 -1.429 -1.429 -1.382 4.875 -0.350 -0.272 -0.272 -0.225

4.750 -1.174 -1.096 -1.096 -1.049 4.750 -0.018 0.060 0.060 0.107

4.625 -1.514 -1.405 -1.405 -1.319 4.625 -0.358 -0.249 -0.249 -0.163

4.500 -1.157 -1.048 -1.048 -0.962 4.500 0.000 0.109 0.109 0.195

4.375 -0.790 -0.681 -0.681 -0.595 4.375 0.367 0.476 0.476 0.562

4.250 -0.405 -0.296 -0.296 -0.210 4.250 0.751 0.860 0.860 0.946

4.125 -0.208 -0.098 -0.098 -0.028 4.125 1.042 1.152 1.152 1.222

4.000 0.178 0.288 0.288 0.358 4.000 1.428 1.538 1.538 1.608

3.875 0.578 0.688 0.688 0.758 3.875 1.828 1.938 1.938 2.008

3.750 0.990 1.100 1.100 1.170 3.750 2.240 2.350 2.350 2.420

3.625 1.507 1.554 1.554 1.593

3.500 1.918 1.965 1.965 2.004

Loan Amt > $200,000 0.000 FICO 641+ 0.000 * Max Debt to income ration 41%

Loan Amt $150,000 - $200,000 0.000 FICO 620 - 640 0.000 * Owner Occupied Ony

Loan Amt $100,000 - $149,999 0.000 FICO 600 - 619 0.000 * Cash Out Not Allowed

Loan Amt $60,000 - $99,999 1.000 FICO 580 - 599 1.250 * Ginnie Mae direct issuer

Loan Amt < $60,000 1.500 FICO 560 - 579 1.250

FICO < 560 1.250

3-4 Units 0.750 Non Traditional Credit 1.000


DTI >50 0.250

Manual U/W 1.000 Hi-Balance in CA 0.125

No Manual U/W adjustment for Hi-Balance

MAX REBATE (-5.500)

U30F UH30F

USDA PRICE ADJUSTMENTS FICO < 641 PRODUCT FEATURES

ANNOUNCEMENT


USDA LOAN PROGRAM FICO < 641

USDA 30YR FIXED FICO < 641 USDA 30YR FIXED HIGH BALANCE FICO < 641



General: (949) 517-6100


3/18/2019 11:40

7:30 - 4:00 PST

WHOLESALE RATESHEET


5.000 -3.198 -3.120 -3.120 -3.073 5.000 -2.042 -1.964 -1.964 -1.917

4.875 -2.893 -2.815 -2.815 -2.768 4.875 -1.736 -1.658 -1.658 -1.611

4.750 -2.560 -2.482 -2.482 -2.435 4.750 -1.404 -1.326 -1.326 -1.279

4.625 -2.900 -2.791 -2.791 -2.705 4.625 -1.744 -1.635 -1.635 -1.549

4.500 -2.543 -2.434 -2.434 -2.348 4.500 -1.386 -1.277 -1.277 -1.191

4.375 -2.176 -2.067 -2.067 -1.981 4.375 -1.019 -0.910 -0.910 -0.824

4.250 -1.791 -1.682 -1.682 -1.596 4.250 -0.635 -0.526 -0.526 -0.440

4.125 -1.594 -1.484 -1.484 -1.414 4.125 -0.344 -0.234 -0.234 -0.164

4.000 -1.208 -1.098 -1.098 -1.028 4.000 0.042 0.152 0.152 0.222

3.875 -0.808 -0.698 -0.698 -0.628 3.875 0.442 0.552 0.552 0.622

3.750 -0.396 -0.286 -0.286 -0.216 3.750 0.854 0.964 0.964 1.034

3.625 0.121 0.168 0.168 0.207

3.500 0.532 0.579 0.579 0.618

3.375 0.960 1.007 1.007 1.046

3.250 1.400 1.447 1.447 1.486

Loan Amt > $200,000 0.000 * Owner Occupied Ony

Loan Amt $100,000 - $200,000 0.250 * Cash Out Not Allowed

Loan Amt $65,000 - $99,999 1.000 * Ginnie Mae direct issuer

Loan Amt $50,000 - $64,999 1.500

Loan Amt < $50,000 2.000

3-4 Units 0.750



MAX REBATE (-5.500)

ANNOUNCEMENT


USDA STREAMLINED-ASSIST

USDA STREAMLINED-ASSIST 30YR FIXED USDA STREAMLINED-ASSIST30YR FIXED HIGH BAL

U30FP UH30FP

USDA PRICE ADJUSTMENTS PRODUCT FEATURES



General: (949) 517-6100


3/18/2019 11:40

7:30 - 4:00 PST

WHOLESALE RATESHEET


6.000 -6.000 -6.000 -5.879 -5.766 6.000 -6.000 -6.000 -5.963 -5.851 5.000 -3.938 -3.858 -3.719 -3.629

5.875 -5.892 -5.793 -5.625 -5.512 5.875 -5.969 -5.870 -5.702 -5.589 4.875 -4.068 -4.008 -3.845 -3.777

5.750 -5.631 -5.531 -5.359 -5.247 5.750 -5.597 -5.498 -5.324 -5.211 4.750 -3.914 -3.854 -3.690 -3.622

5.625 -5.238 -5.138 -4.961 -4.848 5.625 -5.250 -5.151 -4.973 -4.860 4.625 -3.631 -3.571 -3.406 -3.338

5.500 -5.233 -5.153 -4.981 -4.890 5.500 -5.352 -5.272 -5.033 -4.942 4.500 -3.168 -3.108 -2.942 -2.874

5.375 -4.937 -4.858 -4.686 -4.595 5.375 -5.122 -5.042 -4.800 -4.710 4.375 -3.630 -3.590 -3.470 -3.424

5.250 -4.662 -4.582 -4.405 -4.314 5.250 -4.871 -4.791 -4.547 -4.457 4.250 -3.213 -3.173 -3.050 -3.004

5.125 -4.286 -4.206 -4.022 -3.932 5.125 -4.504 -4.425 -4.178 -4.087 4.125 -2.829 -2.788 -2.668 -2.623

5.000 -4.126 -4.065 -3.959 -3.890 5.000 -4.306 -4.246 -4.104 -4.035 4.000 -2.387 -2.347 -2.224 -2.178

4.875 -3.944 -3.885 -3.779 -3.709 4.875 -4.133 -4.073 -3.929 -3.861 3.875 -2.051 -2.029 -1.909 -1.885

4.750 -3.450 -3.389 -3.279 -3.210 4.750 -3.744 -3.684 -3.537 -3.468 3.750 -1.517 -1.496 -1.373 -1.349

4.625 -2.842 -2.781 -2.660 -2.592 4.625 -3.238 -3.178 -3.027 -2.959 3.625 -1.093 -1.072 -0.946 -0.922

4.500 -2.772 -2.730 -2.647 -2.600 4.500 -2.950 -2.909 -2.773 -2.726 3.500 -0.524 -0.503 -0.376 -0.352

4.375 -2.306 -2.265 -2.167 -2.120 4.375 -2.519 -2.478 -2.341 -2.294 3.375 -0.295 -0.293 -0.163 -0.161

4.250 -1.698 -1.657 -1.552 -1.504 4.250 -2.079 -2.038 -1.899 -1.853 3.250 0.179 0.181 0.311 0.313


5.000 -3.938 -3.858 -3.719 -3.629 4.750 -2.369 -2.309 -2.145 -2.077 6.000 -3.991 -3.892 -3.728 -3.615

4.875 -4.068 -4.008 -3.845 -3.777 4.625 -2.133 -2.073 -1.908 -1.840 5.875 -3.570 -3.471 -3.303 -3.190

4.750 -3.914 -3.854 -3.690 -3.622 4.500 -2.139 -2.079 -1.913 -1.845 5.750 -3.048 -2.948 -2.776 -2.664

4.625 -3.631 -3.571 -3.406 -3.338 4.375 -2.628 -2.588 -2.468 -2.422 5.625 -3.669 -3.569 -3.392 -3.279

4.500 -3.168 -3.108 -2.942 -2.874 4.250 -2.323 -2.283 -2.160 -2.114 5.500 -4.075 -3.995 -3.823 -3.732

4.375 -3.630 -3.590 -3.470 -3.424 4.125 -2.016 -1.975 -1.855 -1.810 5.375 -3.696 -3.617 -3.445 -3.354

4.250 -3.213 -3.173 -3.050 -3.004 4.000 -1.679 -1.639 -1.516 -1.470 5.250 -3.258 -3.178 -3.001 -2.910

4.125 -2.829 -2.788 -2.668 -2.623 3.875 -1.430 -1.408 -1.288 -1.264 5.125 -3.258 -3.178 -2.994 -2.904

4.000 -2.387 -2.347 -2.224 -2.178 3.750 -0.943 -0.922 -0.799 -0.775 5.000 -3.192 -3.131 -3.025 -2.956

3.875 -2.051 -2.029 -1.909 -1.885 3.625 -0.544 -0.523 -0.397 -0.373 4.875 -2.895 -2.835 -2.729 -2.660

3.750 -1.517 -1.496 -1.373 -1.349 3.500 -0.083 -0.062 0.065 0.089 4.750 -2.387 -2.326 -2.216 -2.147

3.625 -1.093 -1.072 -0.946 -0.922 3.375 0.068 0.070 0.200 0.202 4.625 -2.016 -1.955 -1.835 -1.766

3.500 -0.524 -0.503 -0.376 -0.352 3.250 0.437 0.439 0.569 0.571 4.500 -1.953 -1.911 -1.828 -1.781

3.375 -0.295 -0.293 -0.163 -0.161 3.125 1.201 1.203 1.333 1.335 4.375 -1.557 -1.516 -1.418 -1.371

3.250 0.179 0.181 0.311 0.313 3.000 1.667 1.669 1.799 1.801 4.250 -0.912 -0.871 -0.766 -0.718

C10F H15FCONF H30FCONF

C30F C20F C15F

10 YEAR FIXED 15 YEAR FIXED HIGH BALANCE 30 YEAR FIXED HIGH BALANCE

AGENCY FIXED CONFORMING & HIGH BALANCE PROGRAMS

30 YEAR FIXED 20 YEAR FIXED 15 YEAR FIXED



General: (949) 517-6100


3/18/2019 11:40

7:30 - 4:00 PST

WHOLESALE RATESHEET

<=60 60.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97 No Impounds (CA) 0.150

>=740 0.000 0.250 0.250 0.500 0.250 0.250 0.250 0.750 No Impounds (all other States, excluding CA, IA, FL, NY, NJ) 0.250

720-739 0.000 0.250 0.500 0.750 0.500 0.500 0.500 1.000

700-719 0.000 0.500 1.000 1.250 1.000 1.000 1.000 1.500 Loan Amt $250,000+ 0.000

680-699 0.000 0.500 1.250 1.750 1.500 1.250 1.250 1.500 Loan Amt $150,000 - $249,999 0.375

660-679 0.000 1.000 2.250 2.750 2.750 2.250 2.250 2.250 Loan Amt $100,000 - $149,999 0.750

640-659 0.500 1.250 2.750 3.000 3.250 2.750 2.750 2.750 Loan Amt $60,000 - $99,999 1.750

620-639 0.500 1.500 3.000 3.000 3.250 3.250 3.250 3.500 Loan Amt < $60,000 2.250

2nd Home & LTV > 85 0.250

<=60 60.01-70 70.01-75 75.01-80 Investment Property LTV <= 75 2.125

740+ 0.375 0.625 0.625 0.875 Investment Property LTV 75.01-80 3.375

720-739 0.375 1.000 1.000 1.125 Investment Property LTV 80.01-85 4.125

700-719 0.375 1.000 1.000 1.125 2 Units 1.000

680-699 0.375 1.125 1.125 1.750 3-4 Units 1.000

660-679 0.625 1.125 1.125 1.875 Condo LTV >75% 0.750

640-659 0.625 1.625 1.625 2.625 Purchase/RT Refi (High Balance) 0.250

620-639 0.625 1.625 1.625 3.125 Cashout Refi (High Balance) 1.000


MAX REBATE (-5.500)

LTV CLTV FICO <720 FICO >=720

<= 75 <= 80 0.375 0.375

<= 65 80.01-95 0.875 0.625

65.01-75 80.01-95 1.125 0.875

75.01-95 90.01-95 1.375 1.125

75.01-90 75.01-90 1.375 1.125

ANY 1.875 1.875

CASHOUT REFI ADJUSTMENTS AGENCY FIXED

SUBORDINATE FINANCING

LOAN LEVEL PRICE ADJUSTMENTS (AGENCY FIXED CONFORMING & HIGH BALANCE PROGRAMS)

FICO/LTV ADJUSTMENTS AGENCY FIXED (TERMS >15 YEARS) PRICE ADJUSTMENTS



General: (949) 517-6100


3/18/2019 11:40

7:30 - 4:00 PST

WHOLESALE RATESHEET

Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day LTV CLTV FICO <720 FICO >=720

6.000 -3.926 -3.882 -3.837 6.000 -0.448 -0.403 -0.358 80.01-95 90.01-95 1.000 0.75

5.875 -3.671 -3.626 -3.581 5.875 -0.066 -0.021 0.024 80.01-90 80.01-90 1.000 0.75

5.750 -3.374 -3.329 -3.284 5.750 0.463 0.508 0.553

5.625 -3.329 -3.284 -3.239 5.625 -0.377 -0.332 -0.287

5.500 -3.084 -3.039 -2.994 5.500 -0.544 -0.499 -0.454 LTV 740+ 720-739 680-719 620-679

5.375 -2.778 -2.733 -2.688 5.375 -0.183 -0.138 -0.093 80.01-85 1.000 1.125 1.375 1.875

5.250 -2.434 -2.388 -2.344 5.250 0.275 0.320 0.365 85.01-90 2.000 2.500 3.000 5.250

5.125 -2.486 -2.441 -2.397 5.125 -0.212 -0.167 -0.122 90.01-95 2.625 3.250 3.875 6.875

5.000 -2.152 -2.108 -2.063 5.000 0.002 0.047 0.092 R/T Refinance 0.000 0.000 0.625 1.250

4.875 -1.801 -1.756 -1.711 4.875 0.430 0.475 0.520 2nd Home 0.250 0.500 0.750 1.250

4.750 -1.409 -1.364 -1.319 4.750 0.835 0.880 0.925 Loan Amt > $484,350 0.500 1.000 1.500 2.125

4.625 -1.333 -1.288 -1.243 4.625 0.476 0.521 0.566 Non Owner 0-75% 3.500 3.500 NA NA

4.500 -0.956 -0.911 -0.866 4.500 0.808 0.853 0.898 Non Owner 75.01-80% 4.750 4.750 NA NA

4.375 -0.555 -0.510 -0.466 4.375 1.121 1.166 1.211 Non Owner >80% 5.500 5.500 NA NA

4.250 -0.047 -0.002 0.043 4.250 1.665 1.710 1.755

<=60 60.01-70 70.01-75 < = 80 80.01-85 85.01-95 95.01-97

>=740 NA NA NA NA 0.250 0.250 0.750 No Impounds (CA) 0.150

720-739 NA NA NA NA 0.500 0.500 1.000 No Impounds (all other States, excluding CA, IA, FL, NY, NJ) 0.250

700-719 NA NA NA NA 1.000 1.000 1.500 Loan Amt $250,000+ 0.000

680-699 NA NA NA NA 1.500 1.250 1.500 Loan Amt $150,000 - $249,999 0.375



620-639 NA NA NA NA 3.250 3.250 3.500 Loan Amt < $60,000 2.250

< 620 NA NA NA NA NA NA NA Purchase/RT Refi (High Balance) 0.250

Cashout Refi (High Balance) 1.000

Condo LTV >75% 0.750

No Manufactured Housing

LPMI PROGRAM ADJUSTMENTS

FICO/LTV ADJUSTMENTS AGENCY FIXED (TERMS >15 YEARS)

PRICE ADJUSTMENTS

NOTES

LPMI AGENCY LOAN PROGRAMS

30 YEAR FIXED 30 YEAR FIXED

C30FLPMI H30FLPMI SUBORDINATE FINANCING

Documents

3/15/2019 11:45 Rate Lock ... · Effective: Rate Lock Hours: Toll free: (866) 453-2400 General: (949) 517-6100 Lock Desk: (866) 439-8542 [email protected]