*To view Jumbo Minimums by county visit https://www.fhfa.gov/DataTools/Tools/Pages/Conforming-Loan-Limits-Map.aspx

www.fnba.com/correspondent 800-636-3429For Wholesale use only. Not for distribu�on to the general public.

Property Type Adjustments

Loan Size Adjustments

Occupancy Adjustments

Term Adjustments

Rate Adjustments

Vacant Land

Max Term

SFOO/2nd Home (detached)SF Condo (a�ached)Mul� FamilyMobile Homes with LandVacant Acreage/Land

Owner OccupiedNon-Owner Occupied

$50,000 to $74,999$75,000 to Jumbo*

10 year or less15 year20 year30 year (available for loans ≥ $75,000)

Single Wide Mobile HomeDouble Wide Mobile HomeVacant LandInvestment Proper�es

LTV <= 50%Full DocAll Alterna�ve Doc

Minimum Credit ScoreMinimum Loan Amount

0.000%0.500%0.500%1.000%2.000%

0.000%1.000%

1.000%0.000%

-0.500%-0.250%0.000%0.125%

15 years20 years20 years25 years

-0.125%0.000%0.250%

660$100,000

Adjustments forPrevious BK, Foreclosure,

Short Sale, & Modified

Rates effec�ve as of 10/01/19, subject to change without no�ce

“NEAR-MISS” PURCHASE - SELECT(OH,NY,IL,CA)

Non-QM, Self-Employed, ITIN, Previous Credit Event, & Unique Property Types

Credit & LTV <=60% 60.01-65% 65.01-70% 70.01-75%*>=740 5.999% 6.125% 6.250% 6.750%720-739 6.125% 6.250% 6.625% 6.875%700-719 6.250% 6.625% 6.750% 6.999%680-699 6.625% 6.750% 6.875% 7.125%660-679 6.750% 6.875% 6.999% 7.250%640-659 7.375% 7.500% 7.625%620-639 7.999% 8.125% 8.250%

600-619 9.125% 9.250% 9.375%No Score 8 .375% 8.500% 8 .625%

Floor rate 6.45%

LTV & Vacant Land Parameters LTV Limits

$50,000 - $74,999 loan

$75,000 - $100,000 loan

$100,001 - Jumbo*

Rental, MH with Land, Mul� Family

Condo / Townhome

Vacant Acreage/Land

Max 65%

Max 70%

Max 75%

Max 65%

Max 70%

Max 60%

“NEAR-MISS” REFINANCE - SELECT(OH,NY,IL,CA)

Non-QM, Self-Employed, ITIN, Previous Credit Event, & Unique Property Types

Credit & LTV <=60% 60.01-65% 65.01-70% 70.01-75%*>=740 5.999% 6.125% 6.250% 6.750%720-739 6.125% 6.250% 6.625% 6.875%700-719 6.250% 6.625% 6.750% 6.999%680-699 6.625% 6.750% 6.875% 7.125%660-679 6.750% 6.875% 6.999% 7.250%640-659 7.375% 7.500% 7.625%620-639 7.999% 8.125% 8.250%

600-619 9.125% 9.250% 9.375%No Score 8 .375% 8.500% 8 .625%

Floor rate 6.45%

Rates effec�ve as of 10/01/19, subject to change without no�ce

Adjustments forPrevious BK, Foreclosure,

Short Sale, & Modified

www.fnba.com/correspondent 800-636-3429

*To view Jumbo Minimums by county visit https://www.fhfa.gov/DataTools/Tools/Pages/Conforming-Loan-Limits-Map.aspx**If cash-out >$2,000 after loan payo�, closing costs, and prepaids.

For Wholesale use only. Not for distribu�on to the general public.

Property Type Adjustments

Loan Size Adjustments

Occupancy Adjustments

Term Adjustments

Max Term

Rate Adjustments

SFOO/2nd Home (detached)SF Condo (a�ached)Mul�-FamilyMobile Homes with Land

Owner OccupiedNon Owner Occupied

$50,000 to $74,999$75,000 to Jumbo*

10 year or less15 year20 year30 year (available for loans ≥ $75,000)

Single Wide Mobile HomeDouble Wide Mobile HomeInvestment Proper�es

LTV <= 40%No Cash-OutFull DocAll Alterna�ve DocCash-Out Refi**

0.000%0.500%0.500%1.000%

0.000%1.000%

1.000%0.000%

-0.500%-0.250%0.000%0.125%

15 years20 years25 years

-0.125%0.000%0.000%0.250%0.500%

LTV Parameters LTV Limits

50,000 - $74,999 loan

$75,000 - $100,000 loan

$100,001 - Jumbo* loan

Rental, MH with Land, Mul�family

Condo / Townhome

Cash Out Refinance ( ≥640 Credit Score)

Cash Out Refinance (≤639 Credit Score)

Max 65%

Max 70%

Max 75%

Max 65%

Max 70%

Max 70%

Max 65%

*To view Jumbo Minimums by county visit https://www.fhfa.gov/DataTools/Tools/Pages/Conforming-Loan-Limits-Map.aspx

www.fnba.com/correspondent 800-636-3429

Property Type Adjustments

SFOO/2nd Home (detached) 0.000%Condo/Townhome (attached) 0.500%

Loan Size Adjustments

$75,000 to Jumbo* 0.000%Jumbo* + See Jumbo Select Rate Sheet

Terms Adjustments

15 year -0.125%20 year 0.000%30 year 0.125%

Rate Adjustments

Full Doc 0.000% All Alternative Doc 0.250%Cash-Out Re�** 0.500%

<=60%

5.750%

5.990%

6.125%

65%

5.999%

6.125%

6.250%

70%

6.125%

6.250%

6.500%

75%

6.500%

6.625%

6.750%

80%

6.500%

6.625%

LTV Parameters

Condo/Townhome

Cash Out Re�nance

Any Gift Funds

Requirements

No bankruptcy, foreclosure, or short sale within 4 years.

View our requirements to see criteria to obtain a speci�c LTV.

TV Limits

Max 75%

Max 70%

Max 75%

Credit & LTV

>= 720

700-719

680-699

ALT-A SELECT(OH,NY, IL ,CA)

Rates effective as of 02/08/19, subject to change without noticeFloor Rate = 5.750%

Agency Fallout - Full and Alternative DocNon-QM, Self-Employed, and ITIN

**If cash-out >$2,000 after loan payo�, closing costs, and prepaids.

*To view Jumbo Minimums by county visit https://www.fhfa.gov/DataTools/Tools/Pages/Conforming-Loan-Limits-Map.aspx**These LTV's may be lowered for homes that are not in neighborhoods with similarly priced homes.

www.fnba.com/correspondent 800-636-3429

<=60%

6.300%

6.425%

6.550%

6.925%

7.050%

7.675%

60.01-65%

6.425%

6.550%

6.925%

7.050%

7.175%

7.800%

65.01-70%

6.675%

7.050%

7.175%

7.300%

7.425%

8.050%

LTV Parameters

Jumbo Minimum* - $1,000,000 loan

$1,000,001 - $1,500,000 loan

$1,500,001 - $3,000,000 loan

$3,000,001 - $6,000,000 loan

Condo/Townhome

Cash Out Re�nance

LTV Limits**

Max 70%

Max 60%

Max 55%

Max 50%

Max 65%

Max 55%

Credit & LTV

>= 740

720-739

700-719

680-699

660-679

640-659

JUMBO SELECT (OH,NY,IL,CA)

Rates effective as of 02/08/19, subject to change without notice

Non-QM, Self-Employed, ITIN, & Previous Credit Event

Floor Rate = 6.300%Adjustments for

Previous BK, Foreclosure, Short Sale, & Modified

Property Type Adjustments

SFOO/2nd Home (detached) 0.000%SF Condo (attached) 0.500%

Loan Size Adjustments

Jumbo Minimum* to $1,500,000 0.000%$1,500,001 to $3,000,000 0.250%$3,000,001 to $6,000,000 0.500%

Terms Adjustments

10 years or less -0.250%15 year -0.125%20 year 0.000%30 year 0.250%

Rate Adjustments

LTV <= 50% -0.125%Full Doc 0.000%All ALternative Doc 0.250%Cash-Out Re�*** 0.250%