Base Pricing Assumes Borrower Paid Compensation … · Agency No MI) Base Pricing Assumes Borrower Paid Compensation AGENCY

PageAgency/Agency No MI Pg.2

Agency ARMs Pg.2

Agency TX Home Equity Pg.2

Agency High Balance/Agency No MI High Balance Pg.2

Fannie Mae HomeReady Pg.2

Agency Price Adjustments Pg.3

Agency No MI Adjustments Pg.3

Agency High Balance Adjustments Pg.3

Fannie Mae HomeReady Adjustments Pg.3

Agency LP/Agency LP No MI Pg.4

FHLMC Super Conf/FHLMC Super Conf No MI Pg.4

Agency LP/FHLMC Super Conf Price Adjustments Pg.5

FNMA DU Refi Plus Pg.6

Agency Portfolio/Agency Portfolio No MI Pg.6

FNMA DU Refi Plus Adjustments Pg.7

Agency Portfolio Price Adjustments Pg.7

Agency Portfolio NO MI Adjustments Pg.7

FHA Pg.8

FHA Streamline Refinance Pg.8

FHA High Balance Pg.8

FHA High Balance Streamline Refinance Pg.8

FHA Portfolio Pg.8

USDA/Rural Housing Pg.8

VA Pg.8

VA High Balance Pg.8

VA IRRRL/VA IRRRL High Balance Pg.8

FHA/VA/USDA Price Adjustments Pg.8 Doc & Funding Cut-Off DatesDiamond Jumbo Pg.9 Last day to fund FHA/VA loans with 8/1 payment 07/06/18

Platinum Jumbo Pg.9 Last day to fund Agency loans with 8/1 payment 07/10/18

Silver Medal Jumbo Pg.9 Last day to Doc Streamlines for July Funding 07/26/18

Diamond Price Adjustments Pg.10 Last day to fund Streamlines for July Funding 07/31/18

Platinum/Silver Medal Price Adjustments Pg.11 Last day to Draw Docs with August 1st Payment 07/26/18

Niche Jumbo/Alternative Access/Non-Prime Advantage Pg.12

Niche Jumbo/Alternative Access/Non-Prime Advantage LLPA'sPg.13

Closed End Second Liens Pg.14

Lock Cut-off (Govt & Agency Fixed Programs) 5:00 pm PST

Lender Fees Lock Cut-off (All ARMs & All Jumbo Programs) 3:30 pm PST

Underwriting Fee - Borrower Paid Transactions $990.00 Lock Online (available till 5:00 pm PST) http://tpo.prmg.net/

Underwriting Fee - Lender Paid Transactions $990.00 Email Link to Manual Lock Form;

FHA Streamlines/VA IRRRLs $590.00 www.eprmg.net/PRMG%20Manual%20Lock%20Request%20Form%20(Editable).pdf

*NO Fee Option (Use No Fee Calculator to determine fee in bps) Secondary Fax 951-278-5633

www.eprmg.net/NoFeeCalculator.xls Extensions & Re-Locks [email protected]

Mortgagee ClauseParamount Residential Mortgage Group, INC.

Its Successors and/or Assigns Lock Expiration Dates1265 Corona Pointe Court Ste. 301 15 Days 08/02/18

Corona, California 92879 30 Days 08/17/18

45 Days 09/01/18

Approved States 60 Days 09/16/18

Alaska MissouriAlabama Montana Lock Extension PolicyArizona New Hampshire 1-5 Days 0.125

Arkansas New Jersey 6-10 Days 0.250

California New Mexico 11-15 Days 0.375

Colorado Nebraska 16-20 Days 0.500

Connecticut Nevada 21-25 Days 0.625

Delaware North Carolina 26-30 Days 0.750

District of Columbia North DakotaFlorida Ohio Extended Rate Lock TermsGeorgia Oklahoma 45 Days .100 in fee

Hawaii Oregon 60 Days .450 in fee

Idaho Pennsylvania

Indiana Rhode Island

Illinois South Carolina

Iowa South DakotaKansas Tennessee Market UpdateKentucky Texas 1 Yr Libor 2.796

Louisiana Utah 1 Yr T-Bill 2.400

Maine Vermont 6 Mo Libor 2.523

Maryland Virginia Prime Rate 5.000

Massachusetts Washington 10 Yr Bond 2.860

Michigan West Virginia 30 Yr Bond 2.970

Minnesota Wisconsin

MississippiAverage Prime Offer Rates

PRMG Website 30/40 Yr Fixed 4.560

FT360 http://tpo.prmg.net/ 15/20 Yr Fixed 4.080

10 Yr Fixed 4.030

Scenario Pricer 1/1 ARM 4.990

3/1 ARM 4.810

Pricer at: 5/1 ARM 4.680

7/1 ARM 4.570

10/1 ARM 4.420

WHOLESALE REGIONAL OPERATING CENTERSWestern Region Dave Pilotte, RVP (951) 278-0000 Mountain Region Michael J. Miller, RVP (303) 957-8390

Western Region Herb Lewis, DVP (866) 776-4937 Northeast Region Herb Lewis, DVP (866) 776-4937

Western Region Alex Del Haro, DVP (714) 824-2997 Southeast Region Herb Lewis, DVP (866) 776-4937

Pacific Northwest Region Herb Lewis, DVP (866) 776-4937 Midwest Region Herb Lewis, DVP (866) 776-4937

Southwest Region Joe Spangenberg, RVP (602) 977-7764

Rate Sheet: Whls-1000

This is not an advertisement pursuant to 12 C.F.R. 1026.2(a)(2). This is informational material intended for real estate business professionals only and is not for distribution to

consumers or prospective applicants for residential mortgage loans. Interest rate, terms and programs are subject to change without notice. © 2014 Paramount Residential

Mortgage Group, Inc. 1265 Corona Pointe Court, Corona, CA 92879. All Rights Reserved. NMLS ID 75243.

Lock Desk Info

The above fees are applied to the 30 day price.

Applicable to only Govt & Conv-Conf Fixed Loan Programs. Contact

Secondary for fees on all other programs.

For On-line Rate/Price quotes, log on to our Scenario

http://tpo.prmg.net/

Base Pricing Assumes Borrower Paid Compensation

Wholesale Rates effective until 5:00 pm PDT (In an occurrence of a Price Change, Notification will be sent)

Table of Contents PRMG NewsProducts

Page 1

7:30AM Wholesale Rates effective until 5:00 pm PDT, ARMs until 3:30 pm PDT (In an occurrence of a Price Change, Notification will be sent)

30/25 Yr Fixed 20 Yr Fixed 15 Yr Fixed 10 Yr FixedAgency/Agency No MI Agency/Agency No MI Agency/Agency No MI Agency/Agency No MI

Rate 15 30 Rate 15 30 Rate 15 30 Rate 15 30

5.750% (6.105) (5.905) 5.500% (5.627) (5.427) 4.875% (3.609) (3.409) 4.750% (2.695) (2.495)

5.625% (5.788) (5.588) 5.375% (5.314) (5.114) 4.750% (3.266) (3.066) 4.625% (2.518) (2.318)

5.500% (5.426) (5.226) 5.250% (4.956) (4.756) 4.625% (2.989) (2.789) 4.500% (2.332) (2.132)

5.375% (5.024) (4.824) 5.125% (4.547) (4.347) 4.500% (2.592) (2.392) 4.375% (1.976) (1.776)

5.250% (4.803) (4.603) 5.000% (4.104) (3.904) 4.375% (2.299) (2.099) 4.250% (1.664) (1.464)

5.125% (4.228) (4.028) 4.875% (3.717) (3.517) 4.250% (2.037) (1.837) 4.125% (1.516) (1.316)

5.000% (3.893) (3.693) 4.750% (3.322) (3.122) 4.125% (2.059) (1.859) 4.000% (1.207) (1.007)

4.990% (3.823) (3.623) 4.625% (2.975) (2.775) 4.000% (1.276) (1.076) 3.875% (0.906) (0.706)

4.875% (3.483) (3.283) 4.500% (2.487) (2.287) 3.875% (0.781) (0.581) 3.750% (0.603) (0.403)

4.750% (2.893) (2.693) 4.375% (1.907) (1.707) 3.750% (0.493) (0.293) 3.625% (0.057) 0.143

4.625% (2.344) (2.144) 4.250% (1.368) (1.168) 3.625% (0.106) 0.094 3.500% 0.147 0.347

4.500% (1.742) (1.542) 4.125% (0.651) (0.451) 3.500% 0.348 0.548 3.375% 0.566 0.766

4.375% (1.148) (0.948) 4.000% (0.151) 0.049 3.375% 0.814 1.014 3.250% 0.791 0.991

5/1 Libor ARM 7/1 Libor ARM 10/1 Libor ARMAgency/Agency No MI Agency/Agency No MI Agency/Agency No MI

Start Rate 15 30 Start Rate 15 30 Start Rate 15 30

4.250% (0.815) (0.565) 4.500% (1.459) (1.209) 4.375% (0.908) (0.658)

4.125% (0.541) (0.291) 4.375% (1.134) (0.884) 4.250% (0.574) (0.324)

4.000% (0.210) 0.040 4.250% (0.810) (0.560) 4.125% (0.223) 0.027

3.875% 0.121 0.371 4.125% (0.477) (0.227) 4.000% (0.005) 0.245

3.750% 0.446 0.696 4.000% (0.114) 0.136 3.875% 0.702 0.952

3.625% 0.520 0.770 3.875% 0.222 0.472 3.750% 0.920 1.170

3.500% 1.097 1.347 3.750% 0.310 0.560 3.625% 1.636 1.886

3.375% 1.177 1.427 3.625% 0.898 1.148 3.500% 2.045 2.295

3.250% 1.773 2.023 3.500% 0.993 1.243 3.375% 2.470 2.720

3.125% 2.117 2.367 3.375% 1.648 1.898 3.250% 3.021 3.271

3.000% 2.437 2.687 3.250% 2.055 2.305 3.125% 3.747 3.997

2.875% 2.977 3.227 3.125% 2.463 2.713 3.000% 4.257 4.507

Agency/Agency No MI Agency/Agency No MI


5.250% (4.038) (3.838) 5.000% (1.801) (1.601) 5.250% (4.803) (4.603) 5.000% (3.641) (3.441)

5.125% (3.629) (3.429) 4.875% (1.788) (1.588) 5.125% (4.228) (4.028) 4.875% (3.609) (3.409)

5.000% (3.488) (3.288) 4.750% (1.669) (1.469) 5.000% (3.893) (3.693) 4.750% (3.266) (3.066)

4.990% (3.408) (3.208) 4.625% (1.851) (1.651) 4.875% (3.483) (3.283) 4.625% (2.989) (2.789)

4.875% (3.058) (2.858) 4.500% (1.757) (1.557) 4.750% (2.893) (2.693) 4.500% (2.592) (2.392)

4.750% (2.670) (2.470) 4.375% (1.336) (1.136) 4.625% (2.344) (2.144) 4.375% (2.299) (2.099)

4.625% (2.110) (1.910) 4.250% (0.974) (0.774) 4.500% (1.742) (1.542) 4.250% (2.037) (1.837)

4.500% (1.502) (1.302) 4.125% (0.972) (0.772) 4.375% (1.148) (0.948) 4.125% (2.059) (1.859)

4.375% (1.023) (0.823) 4.000% (0.701) (0.501) 4.250% (0.596) (0.396) 4.000% (1.276) (1.076)

4.250% (0.472) (0.272) 3.875% (0.427) (0.227) 4.125% 0.033 0.233 3.875% (0.781) (0.581)

4.125% 0.356 0.556 3.750% (0.031) 0.169 4.000% 0.702 0.902 3.750% (0.493) (0.293)

4.000% 1.034 1.234 3.625% 0.332 0.532 3.875% 0.782 0.982 3.625% (0.106) 0.094

3.875% 1.585 1.785 3.500% 0.724 0.924 3.750% 1.268 1.468 3.500% 0.348 0.548

Agency/Agency No MI Agency/Agency No MI

Start Rate 15 30 Start Rate 15 30

4.250% (1.233) (0.983) 4.500% (1.466) (1.216)

4.125% (0.708) (0.458) 4.375% (1.138) (0.888)

4.000% (0.378) (0.128) 4.250% (1.060) (0.810)

3.875% (0.048) 0.202 4.125% (0.475) (0.225)

3.750% 0.279 0.529 4.000% (0.079) 0.171

3.625% 0.611 0.861 3.875% 0.316 0.566

3.500% 0.974 1.224 3.750% 0.709 0.959

3.375% 1.335 1.585 3.625% 1.097 1.347

3.250% 1.696 1.946 3.500% 1.461 1.711

3.125% 2.071 2.321 3.375% 1.823 2.073

3.000% 2.528 2.778 3.250% 2.187 2.437

2.875% 3.015 3.265 3.125% 2.567 2.817

30 Yr Fixed 5/1 ARMRate 15 30 Rate 15 30

5.375% (4.786) (4.586) 4.250% (0.516) (0.266)

5.250% (4.478) (4.278) 4.125% (0.198) 0.052

5.125% (3.960) (3.760) 4.000% 0.111 0.361

5.000% (3.527) (3.327) 3.875% 0.429 0.679

4.990% (3.541) (3.341) 3.750% 0.768 1.018

4.875% (3.165) (2.965) 3.625% 1.116 1.366

4.750% (2.683) (2.483) 3.500% 1.423 1.673

4.625% (2.122) (1.922) 3.375% 1.741 1.991

4.500% (1.532) (1.332) 3.250% 2.047 2.297

4.375% (1.033) (0.833) 3.125% 2.354 2.604

4.250% (0.481) (0.281) 3.000% 2.711 2.961

4.125% 0.148 0.348 2.875% 3.097 3.347

4.000% 0.816 1.016


FNMA HOMEREADY

2.25 Margin, 2/2/5 Caps

2.25 Margin, 2/2/5 Caps 2.25 Margin, 5/2/5 Caps

High Balance 15 Agency TX Home Eq 30 Agency TX Home Eq 15

High Balance 5/1 ARM High Balance 7/1 ARM


Wednesday, July 18, 2018

FNMA/FHLMC

AGENCY

2.25 Margin, 2/2/5 Caps 2.25 Margin, 5/2/5 Caps 2.25 Margin, 5/2/5 Caps

High Balance 30

Page 2

7:30AM

Applicable to All Loan Amount Credit Score (Except Terms <=15 Yrs)** Loans $295k-Std Bal Limit (Agency Fixed,Agency No MI Fixed, HomeReady only) -0.200

** Loans $245k-$294,999 (Agency Fixed,Agency No MI Fixed, HomeReady only) -0.150 FICO <=60.00% 60.01-70.00%70.01-75.00%75.01-80.00% 80.01-85.00%85.01-90.00%90.01-95.00%95.01-97.00%

** Loans $200k-$244,999 (Agency Fixed,Agency No MI Fixed, HomeReady only) -0.100 >=740 0.000 0.250 0.250 0.500 0.250 0.250 0.250 0.750

** Loans $75k-$99,999 0.250 720-739 0.000 0.250 0.500 0.750 0.500 0.500 0.500 1.000

** Loans $50k - $74,999 0.500 700-719 0.000 0.500 1.000 1.250 1.000 1.000 1.000 1.500

** Loans $30k-$49,999 1.250 680-699 0.000 0.500 1.250 1.750 1.500 1.250 1.250 1.500Property Type 660-679 0.000 1.000 2.250 2.750 2.750 2.250 2.250 2.250

* 2 Units (Except High Balance,Super Conf, & HomeReady) 1.000 640-659 0.500 1.250 2.750 3.000 3.250 2.750 2.750 2.750

* 2 Units (High Balance & Super Conf only) 1.000 620-639 0.500 1.500 3.000 3.000 3.250 3.250 3.250 3.500* 3-4 Units (Except High Balance,Super Conf, & HomeReady) 1.000

* 3-4 Units (High Balance only) 1.500 Credit Score (In addition to all other adj)* 3-4 Units (Super Conf only) 1.000 ** Fico Scores > = 740 (Agency Std Bal Fixed & Agency Std Bal No MI Fixed only) -0.100

* 2-4 Units (HomeReady only) 1.000 Subordinate Financing* Attached Condo >75% LTV (applicable only to terms >15 yrs) 0.750

Occupancy LTV/FICO <=75% 75.01-80.00% 80.01-85.00%85.01-90.00%90.01-95.00%95.01-97.00

* N/O/O up to 75% LTV (Except Super Conf) 2.125 <=65% & FICO <720 0.375 0.375 0.875 0.875 0.875 1.875

* N/O/O up to 75% LTV (Super Conf only) 2.125 <=65% & FICO >=720 0.375 0.375 0.625 0.625 0.625 1.875

* N/O/O LTV 75.01% to 80% (Except Super Conf) 3.375 65.01-75% & FICO <720 0.375 0.375 1.125 1.125 1.125 1.875

* N/O/O LTV 75.01% to 80% (Super Conf only) 3.375 0.375 0.375 0.875 0.875 0.875 1.875

* N/O/O LTV 80.01% to 85% 4.125 N/A 1.375 1.375 1.375 1.375 1.875

* Second Home >85% LTV (LP only) 0.250 N/A 1.125 1.125 1.125 1.125 1.875

Miscellaneous Cash-out (Except TX Home Equity)

** Purchase Bonus (Agency Fixed,Agency No MI Fixed, HomeReady only) -0.100

* Escrow Waiver (CA Only) 0.000 FICO <=60.00% 60.01-70.00%70.01-75.00%75.01-80.00% 80.01-85.00%

* Escrow Waiver (all other states) 0.000 >=740 0.375 0.625 0.625 0.875 n/a

* 7-10 Financed Properties (Applicable to N/O/O & 2nd home only) 1.000 720-739 0.375 1.000 1.000 1.125 n/a

* ARMs w/LTV 90.01-95% 0.250 700-719 0.375 1.000 1.000 1.125 n/a

** Down Payment Protection Feature (refer to Down Payment Protection Tab). 680-699 0.375 1.125 1.125 1.750 n/a

660-679 0.625 1.125 1.125 1.875 n/a

640-659 0.625 1.625 1.625 2.625 n/a

620-639 0.625 1.625 1.625 3.125 n/aCash-out and Rate&Term (TX Home Equity only)

FICO <=60.00% 60.01-70.00%70.01-75.00%75.01-80.00%

>=740 0.375 0.625 0.625 0.875

* Purchase & Rate/Term Refi 0.250 720-739 0.375 1.000 1.000 1.125

* Cash-out Refinance 1.000 700-719 0.375 1.000 1.000 1.125

* High Balance ARM <= 75% LTV 0.750 680-699 0.375 1.125 1.125 1.750

* High Balance ARM > 75% LTV 1.500 660-679 0.625 1.125 1.125 1.875

620-659 0.625 1.625 1.625 2.625

Applicable to 30 Yr Term (Agency No MI & Agency High Bal No MI)

FICO 80.01-85% 85.01-90% 90.01-95% FICO 80.01-85% 85.01-90% 90.01-95% 95.01-97% FICO

>=800 0.450 0.900 1.260 >=800 0.340 0.750 1.100 1.720 >=800 0.000

780-799 0.510 0.950 1.420 780-799 0.390 0.820 1.240 1.920 780-799 0.000

760-779 0.550 1.010 1.480 760-779 0.430 0.880 1.380 1.920 760-779 0.000

740-759 0.610 1.180 1.770 740-759 0.490 1.020 1.650 2.700 740-759 0.000

720-739 0.950 1.600 2.250 720-739 0.770 1.450 2.100 2.950 720-739 0.000

700-719 1.050 1.870 2.750 700-719 0.780 1.620 2.470 3.650 700-719 0.000

680-699 1.100 1.980 2.980 680-699 0.790 1.680 2.650 3.650 680-699 0.000

660-679 1.600 3.250 4.950 660-679 1.150 2.880 4.560 6.520 660-679 0.500

640-659 1.730 3.530 5.120 640-659 1.340 3.140 4.730 6.700 640-659 0.500

620-639 2.100 4.150 5.850 620-639 1.630 3.740 5.450 7.050 620-639 1.050

Applicable to <=20 Yr Term (Agency No MI & Agency High Bal No MI)

FICO 80.01-85% 85.01-90% 90.01-95% FICO FICO

>=800 0.310 0.670 1.010 >=800 0.250 >=800 0.000

780-799 0.310 0.680 1.040 780-799 0.300 780-799 0.000

760-779 0.310 0.720 1.050 760-779 0.300 760-779 0.000

740-759 0.330 0.860 1.430 740-759 0.300 740-759 0.000

720-739 0.890 1.220 1.890 720-739 0.500 720-739 0.000

700-719 0.920 1.290 2.710 700-719 0.700 700-719 0.550

680-699 0.940 1.290 2.710 680-699 0.700 680-699 0.550

660-679 1.100 1.420 3.790 660-679 1.230 660-679 1.050

640-659 1.100 1.560 3.990 640-659 1.230 640-659 1.050

620-639 1.100 1.850 4.590 620-639 1.300 620-639 1.100

Applicable to 30 Yr Term (HomeReady No MI only)

FICO 80.01-85% 85.01-90% 90.01-95% FICO 80.01-85% 85.01-90% 90.01-95% 95.01-97% FICO

>=800 0.450 0.900 1.300 >=800 0.340 0.750 1.100 1.600 >=800 0.000

780-799 0.510 0.950 1.380 780-799 0.390 0.820 1.240 1.750 780-799 0.000

760-779 0.550 1.010 1.460 760-779 0.430 0.880 1.380 1.750 760-779 0.000

740-759 0.610 1.180 1.700 740-759 0.490 1.020 1.650 2.240 740-759 0.000

720-739 0.950 1.600 2.050 720-739 0.770 1.450 2.100 2.350 720-739 0.000

700-719 1.050 1.870 2.700 700-719 0.780 1.620 2.470 2.780 700-719 0.000

680-699 1.100 1.980 2.980 680-699 0.790 1.680 2.650 2.810 680-699 0.000

660-679 1.600 3.250 4.200 660-679 1.150 2.880 4.560 4.680 660-679 0.500

640-659 1.730 3.530 4.400 640-659 1.340 3.140 4.730 4.810 640-659 0.500

620-639 2.100 4.150 5.000 620-639 1.630 3.740 5.450 5.100 620-639 1.050

Applicable to <=20 Yr Term (HomeReady No MI only)

FICO 80.01-85% 85.01-90% 90.01-95% FICO

>=800 0.310 0.670 1.010 >=800 0.000

780-799 0.310 0.680 1.040 780-799 0.000

760-779 0.310 0.720 1.050 760-779 0.000

740-759 0.330 0.860 1.430 740-759 0.000

720-739 0.890 1.220 1.890 720-739 0.000

700-719 0.920 1.290 2.710 700-719 0.550

680-699 0.940 1.290 2.710 680-699 0.550

660-679 1.100 1.420 3.790 660-679 1.050

640-659 1.100 1.560 3.990 640-659 1.050

620-639 1.100 1.850 4.590 620-639 1.100

LTV >80% & Fico >=680 0.000

All Other LTV & Fico 1.500

** These HomeReady LLPA's are NOT subject to the above LLPA Caps

All Fixed Rates 105.000All ARM Rates 103.750


HomeReady LLPA Caps

Maximum Rebate/Price Cap

2.530

2.890

2.890

4.650

4.850

5.090

95.01-97%

1.420

1.790

1.790

2.530

5.050

5.250

5.550

Applicable to R&T Refi's LTV (%) (HomeReady No MI only)

1.900

1.950

2.490

2.550

3.200

3.210

LTV (%) LTV (%) (HomeReady No MI only)

95.01-97%

1.750

3.640

6.490

6.740

7.050

Applicable to Lender Paid HomeReady No MI Programs (In addition to all other LLPAs)Applicable to 25 Yr Term (HomeReady No MI only) Applicable to Loan Size >$453,100

1.550

1.830

1.840

2.640

2.960

3.620

Applicable to Second Homes Applicable to R&T Refi's LTV (%) (Agency No MI & Agency High Bal No MI) (Agency No MI & Agency High Bal No MI)

95.01-97%

3.100

3.900

3.960

6.900

7.090

7.450

95.01-97%

1.880

2.050

2.050

2.850

Applicable to Agency High Bal

(In addition to all other adj)

Applicable to Lender Paid Agency No MI Programs (In addition to all other LLPAs)Applicable to 25 Yr Term (Agency No MI) Applicable to Loan Size >$453,100

LTV (%) LTV (%) (Agency No MI & Agency High Bal No MI)

65.01-75% & FICO>=720

75.01-95% & FICO <720

75.01-95% & FICO >=720

LTV (%)

*If using a PRMG Closed End second, the PRMG 1st lien is subject to a

LLPA that will be manually added by Secondary and will be: 0.300

to the price.LTV (%)


Wednesday, July 18, 2018 Wholesale Rates effective until 5:00 pm PDT, ARMs until 3:30 pm PDT (In an occurrence of a Price Change, Notification will be sent)

AGENCY PRICE ADJUSTMENTS

AGENCY

Agency, Agency No MI, Agency TX Home Equity, Agency High Balance

Agency No MI High Balance, Fannie Mae HomeReady

Applicable to All

LTV (%)

CLTV (%)

7:30AM Wholesale Rates effective until 5:00 pm PDT, ARMs until 3:30 pm PDT (In an occurrence of a Price Change, Notification will be sent)

30/25 Yr Fixed 20 Yr Fixed 15 Yr Fixed 10 Yr FixedAgency LP/Agency LP No MI Agency LP/Agency LP No MI Agency LP/Agency LP No MI Agency LP/Agency LP No MI


5.500% (5.294) (5.094) 5.500% (5.502) (5.302) 5.000% (3.400) (3.200) 5.000% (3.090) (2.890)

5.375% (4.889) (4.689) 5.375% (5.189) (4.989) 4.875% (3.367) (3.167) 4.875% (2.924) (2.724)

5.250% (4.433) (4.233) 5.250% (4.831) (4.631) 4.750% (3.025) (2.825) 4.750% (2.586) (2.386)

5.125% (3.890) (3.690) 5.125% (4.422) (4.222) 4.625% (2.748) (2.548) 4.625% (2.358) (2.158)

5.000% (3.438) (3.238) 5.000% (3.979) (3.779) 4.500% (2.488) (2.288) 4.500% (2.228) (2.028)

4.875% (2.954) (2.754) 4.875% (3.592) (3.392) 4.375% (2.058) (1.858) 4.375% (1.735) (1.535)

4.750% (2.505) (2.305) 4.750% (3.197) (2.997) 4.250% (1.726) (1.526) 4.250% (1.422) (1.222)

4.625% (2.064) (1.864) 4.625% (2.850) (2.650) 4.125% (1.476) (1.276) 4.125% (1.275) (1.075)

4.500% (1.498) (1.298) 4.500% (2.362) (2.162) 4.000% (1.002) (0.802) 4.000% (0.965) (0.765)

4.375% (0.890) (0.690) 4.375% (1.782) (1.582) 3.875% (0.539) (0.339) 3.875% (0.665) (0.465)

4.250% (0.377) (0.177) 4.250% (1.243) (1.043) 3.750% (0.083) 0.117 3.750% (0.362) (0.162)

4.125% 0.246 0.446 4.125% (0.526) (0.326) 3.625% 0.214 0.414 3.625% 0.367 0.567

4.000% 0.825 1.025 4.000% (0.026) 0.174 3.500% 0.696 0.896 3.500% 0.677 0.877

5/1 Libor ARM 7/1 Libor ARM 10/1 Libor ARMAgency LP/Agency LP No MI Agency LP/Agency LP No MI Agency LP/Agency LP No MI

Start Rate 15 30 Start Rate 15 30 Start Rate 15 30 Rate 15 30

4.500% (0.936) (0.686) 4.250% (0.626) (0.376) 4.375% (0.632) (0.382) 5.500% (4.827) (4.627)

4.375% (0.751) (0.501) 4.125% (0.309) (0.059) 4.250% (0.322) (0.072) 5.375% (4.435) (4.235)

4.250% (0.557) (0.307) 4.000% 0.035 0.285 4.125% 0.001 0.251 5.250% (3.957) (3.757)

4.125% (0.332) (0.082) 3.875% 0.387 0.637 4.000% 0.417 0.667 5.125% (3.548) (3.348)

4.000% (0.050) 0.200 3.750% 0.725 0.975 3.875% 0.844 1.094 5.000% (3.219) (3.019)

3.875% 0.245 0.495 3.625% 1.063 1.313 3.750% 1.311 1.561 4.875% (2.800) (2.600)

3.750% 0.567 0.817 3.500% 1.408 1.658 3.625% 1.778 2.028 4.750% (2.311) (2.111)

3.625% 0.891 1.141 3.375% 1.813 2.063 3.500% 2.187 2.437 4.625% (1.832) (1.632)

3.500% 1.218 1.468 3.250% 2.220 2.470 3.375% 2.612 2.862 4.500% (1.199) (0.999)

3.375% 1.548 1.798 3.125% 2.628 2.878 3.250% 3.163 3.413 4.375% (0.765) (0.565)

3.250% 1.894 2.144 3.000% 3.040 3.290 3.125% 4.306 4.556 4.250% (0.248) (0.048)

3.125% 2.239 2.489 2.875% 3.492 3.742 3.000% 4.984 5.234 4.125% 0.378 0.578

4.000% 1.111 1.311

Rate 15 30 Rate 15 30 Start Rate 15 30 Start Rate 15 30

5.500% (4.833) (4.633) 4.750% (1.394) (1.194) 4.375% 0.414 0.664 4.500% (1.492) (1.242)

5.375% (4.441) (4.241) 4.625% (1.726) (1.526) 4.250% 0.696 0.946 4.375% (1.171) (0.921)

5.250% (3.963) (3.763) 4.500% (1.482) (1.282) 4.125% 0.995 1.245 4.250% (0.850) (0.600)

5.125% (3.554) (3.354) 4.375% (1.211) (1.011) 4.000% 1.315 1.565 4.125% (0.527) (0.277)

5.000% (3.225) (3.025) 4.250% (0.849) (0.649) 3.875% 1.637 1.887 4.000% (0.202) 0.048

4.875% (2.806) (2.606) 4.125% (0.847) (0.647) 3.750% 1.961 2.211 3.875% 0.134 0.384

4.750% (2.317) (2.117) 4.000% (0.576) (0.376) 3.625% 2.286 2.536 3.750% 0.472 0.722

4.625% (1.837) (1.637) 3.875% (0.302) (0.102) 3.500% 2.643 2.893 3.625% 0.810 1.060

4.500% (1.205) (1.005) 3.750% 0.094 0.294 3.375% 3.001 3.251 3.500% 1.155 1.405

4.375% (0.770) (0.570) 3.625% 0.457 0.657 3.250% 3.361 3.611 3.375% 1.560 1.810

4.250% (0.254) (0.054) 3.500% 0.849 1.049 3.125% 3.722 3.972 3.250% 1.967 2.217

4.125% 0.372 0.572 3.375% 1.301 1.501 3.000% 4.106 4.356 3.125% 2.375 2.625

4.000% 1.105 1.305 3.250% 1.768 1.968

Rate 15 30 Rate 15 30

5.250% (4.447) (4.247) 5.250% (4.447) (4.247)

5.125% (4.054) (3.854) 5.125% (4.054) (3.854)

5.000% (3.621) (3.421) 5.000% (3.621) (3.421)

4.990% (3.541) (3.341) 4.990% (3.541) (3.341)

4.875% (3.165) (2.965) 4.875% (3.165) (2.965)

4.750% (2.683) (2.483) 4.750% (2.683) (2.483)

4.625% (2.122) (1.922) 4.625% (2.122) (1.922)

4.500% (1.532) (1.332) 4.500% (1.532) (1.332)

4.375% (1.033) (0.833) 4.375% (1.033) (0.833)

4.250% (0.481) (0.281) 4.250% (0.481) (0.281)

4.125% 0.088 0.288 4.125% 0.148 0.348

4.000% 0.731 0.931 4.000% 0.816 1.016

3.875% 1.383 1.583 3.875% 1.383 1.5830.670



FHLMC HOMEPOSSIBLEHome Possible 30 Home Possible Advantage 30

Home Possible No MI 30 Home Possible Advantage No MI 30

FHLMC Super Conf 15 FHLMC Super Conf 5/1 ARM FHLMC Super Conf 7/1 ARMFHLMC Super Conf No MI 30 FHLMC Super Conf No MI 15 FHLMC Super Conf No MI 5/1 ARM FHLMC Super Conf No MI 7/1 ARM


Wednesday, July 18, 2018

FHLMC

AGENCY

FHLMC Super Conf 20FHLMC Super Conf No MI 20

2.25 Margin, 2/2/5 Caps 2.25 Margin, 5/2/5 Caps 2.25 Margin, 5/2/5 Caps

FHLMC Super Conf 30

Page 4

7:30AM

Applicable to All Loan Amount Credit Score (Except Terms <=15 Yrs)** Loans $295k-Std Bal Limit (Agency LP Fixed,Agency LP No MI,HomePossible Fixed only) -0.200

** Loans $245k-$294,999 (Agency LP Fixed,Agency LP No MI,HomePossible Fixed only) -0.150 FICO <=60.00% 60.01-70.00%70.01-75.00%75.01-80.00%80.01-85.00%85.01-90.00%90.01-95.00% >95%

** Loans $200k-$244,999 (Agency LP Fixed,Agency LP No MI,HomePossible Fixed only) -0.100 >=740 0.000 0.250 0.250 0.500 0.250 0.250 0.250 0.750

** Loans $75k-$99,999 0.250 720-739 0.000 0.250 0.500 0.750 0.500 0.500 0.500 1.000

** Loans $50k - $74,999 0.500 700-719 0.000 0.500 1.000 1.250 1.000 1.000 1.000 1.500

** Loans $30k-$49,999 1.250 680-699 0.000 0.500 1.250 1.750 1.500 1.250 1.250 1.500Property Type 660-679 0.000 1.000 2.250 2.750 2.750 2.250 2.250 2.250

* 2 Units 1.000 640-659 0.500 1.250 2.750 3.000 3.250 2.750 2.750 2.750

* 3-4 Units LTV <= 80% 1.000 620-639 0.500 1.500 3.000 3.000 3.250 3.250 3.250 3.500

* 3-4 Units LTV 80.01%-85% 1.500 Credit Score * 3-4 Units LTV >85.01% 2.000 ** Fico Scores > = 740 (Agency LP Fixed & Agency LP No MI Fixed only) -0.100* Attached Condo >75% LTV (applicable only to terms >15 yrs) 0.750

Occupancy Subordinate Financing

* N/O/O up to 75% LTV (Except Super Conf) 2.125* N/O/O up to 75% LTV (Super Conf only) 2.125 <=75% 75.01-80.00%80.01-85.00%85.01-90.00%90.01-95.00%

* N/O/O LTV 75.01% to 80% (Except Super Conf) 3.375 0.375 0.375 0.875 0.875 0.875

* N/O/O LTV 75.01% to 80% (Super Conf only) 3.375 0.375 0.375 0.625 0.625 0.625

* N/O/O LTV 80.01% to 85% 4.125 0.375 0.375 1.125 1.125 1.125

* Second Home w/LTV >85% 0.250 0.375 0.375 0.875 0.875 0.875

Miscellaneous N/A 1.375 1.375 1.375 1.375

** Purchase Bonus (Agency LP Fixed,Agency LP No MI,HomePossible Fixed only)-0.100 N/A 1.125 1.125 1.125 1.125

** Escrow Waiver 0.000 0.500 0.500 0.500 0.500 0.500** 7-10 Financed Properties (Applicable to N/O/O & 2nd home only) 1.000

** ARM's >90% LTV (except FHLMC Super Conf) 0.250

** Down Payment Protection Feature (refer to Down Payment Protection Tab).

Cash-out

* Purchase & Rate/Term Refi 0.250 LTV (%)

* Cash-out Refinance 1.000 FICO <=60.00% 60.01-70.00%70.01-75.00%75.01-80.00%

* High Balance ARM Purch, R/T, Cash-out <=75% LTV 0.750 >=740 0.375 0.625 0.625 0.875

* High Balance ARM Purch, R/T, Cash-out >75%-90% LTV 1.500 720-739 0.375 1.000 1.000 1.125

* High Balance ARM Purch, R/T >90% LTV 1.750 700-719 0.375 1.000 1.000 1.125

* Fico Scores 680-739 0.125 680-699 0.375 1.125 1.125 1.750* Fico Scores 620-679 0.250 660-679 0.625 1.125 1.125 1.875

HomePossible LLPA Caps 640-659 1.500 2.250 2.250 3.250

LTV >80% & Fico >=680 0.000 620-639 1.500 2.250 2.250 3.750

All Other LTV & Fico 1.500

** These HomePossible LLPA's are NOT subject to the above LLPA Caps

Applicable to 30 Yr Term (Agency LP No MI & FHLMC Sup Conf No MI) Applicable to 25 Yr Term (Agency LP No MI)

FICO 80.01-85% 85.01-90% 90.01-95% 95.01-97% FICO 80.01-85%85.01-90% 90.01-95% 95.01-97% FICO

>=800 0.450 0.900 1.260 >=800 0.340 0.750 1.100 1.720 >=800 0.000

780-799 0.510 0.950 1.420 780-799 0.390 0.820 1.240 1.920 780-799 0.000

760-779 0.550 1.010 1.480 760-779 0.430 0.880 1.380 1.920 760-779 0.000

740-759 0.610 1.180 1.770 740-759 0.490 1.020 1.650 2.700 740-759 0.000

720-739 0.950 1.600 2.250 720-739 0.770 1.450 2.100 2.950 720-739 0.000

700-719 1.050 1.870 2.750 700-719 0.780 1.620 2.470 3.650 700-719 0.000

680-699 1.100 1.980 2.980 680-699 0.790 1.680 2.650 3.650 680-699 0.000

660-679 1.600 3.250 4.950 660-679 1.150 2.880 4.560 6.520 660-679 0.500

640-659 1.730 3.530 5.120 640-659 1.340 3.140 4.730 6.700 640-659 0.500

620-639 2.100 4.150 5.850 620-639 1.630 3.740 5.450 7.050 620-639 1.050

Applicable to <=20 Yr Term (Agency LP No MI & FHLMC Sup Conf No MI)

FICO 80.01-85% 85.01-90% 90.01-95%95.01-97% FICO FICO

>=800 0.310 0.670 1.010 >=800 0.250 >=800 0.000

780-799 0.310 0.680 1.040 780-799 0.300 780-799 0.000

760-779 0.310 0.720 1.050 760-779 0.300 760-779 0.000

740-759 0.330 0.860 1.430 740-759 0.300 740-759 0.000

720-739 0.890 1.220 1.890 720-739 0.500 720-739 0.000

700-719 0.920 1.290 2.710 700-719 0.700 700-719 0.550

680-699 0.940 1.290 2.710 680-699 0.700 680-699 0.550

660-679 1.100 1.420 3.790 660-679 1.230 660-679 1.050

640-659 1.100 1.560 3.990 640-659 1.230 640-659 1.050

620-639 1.100 1.850 4.590 620-639 1.300 620-639 1.100

Applicable to 30 Yr Term (HomePossible No MI only)

FICO 80.01-85% 85.01-90% 90.01-95%95.01-97% FICO FICO

>=800 0.450 0.900 1.300 >=800 0.000 >=800 0.000

780-799 0.510 0.950 1.380 780-799 0.000 780-799 0.000

760-779 0.550 1.010 1.460 760-779 0.000 760-779 0.000

740-759 0.610 1.180 1.700 740-759 0.000 740-759 0.000

720-739 0.950 1.600 2.050 720-739 0.000 720-739 0.000

700-719 1.050 1.870 2.700 700-719 0.000 700-719 0.550

680-699 1.100 1.980 2.980 680-699 0.000 680-699 0.550

660-679 1.600 3.250 4.200 660-679 0.500 660-679 1.050

640-659 1.730 3.530 4.400 640-659 0.500 640-659 1.050

620-639 2.100 4.150 5.000 620-639 1.050 620-639 1.100

All Fixed Rates 105.000All ARM Rates 103.750


5.550


2.490

2.550

3.200

3.210

5.050

5.250

LTV (%) (HomePossible No MI only) (HomePossible No MI only)

1.750

1.900

1.950

3.640

6.490

6.740

7.050

**Applicable to Lender Paid HomePossible No MI Programs (In addition to all other LLPAs)Applicable to Loan Size >$453,100 Applicable to R&T Refi's

1.550

1.830

1.840

2.640

2.960

3.620

7.450

Applicable to Second Homes Applicable to R&T Refi's LTV (%) (Agency LP No MI & FHLMC Sup Conf No MI) (Agency LP No MI & FHLMC Sup Conf No MI)

2.850

3.100

3.900

3.960

6.900

7.090

LTV (%) LTV (%) (Agency LP No MI & FHLMC Sup Conf No MI)

1.880

2.050

2.050

75.01-95% & FICO >=720

***All Home Possible (above do not apply)

***Not applicable when using Affordable Second meeting Section 4204.2 reqmts.

Applicable to FHLMC Super Conf (in add to all other adj)

Applicable to Lender Paid Agency LP No MI & FHLMC Super Conforming No MI Programs (In addition to all other LLPAs)Applicable to Loan Size >$453,100

LTV/FICO

<=65% & FICO <720

<=65% & FICO >=720

65.01-75% & FICO <720

65.01-75% & FICO>=720

75.01-95% & FICO <720



AGENCY LP PRICE ADJUSTMENTS

AGENCY

Agency LP, Agency LP No MI,FHLMC Super Conf, FHLMC Super Conf No MI Home Possible, Home Possible No MI, Home Possible Advantage, Home Possible Advantage No MI

Applicable to All

LTV (%)

CLTV (%)

7:30AM


5.625% (5.538) (5.338) 5.500% (5.377) (5.177) 5.000% (3.391) (3.141) 5.000% (2.944) (2.744)

5.500% (5.176) (4.976) 5.375% (5.064) (4.864) 4.875% (3.359) (3.109) 4.875% (2.778) (2.578)

5.375% (4.774) (4.574) 5.250% (4.706) (4.506) 4.750% (3.016) (2.766) 4.750% (2.445) (2.245)

5.250% (4.553) (4.353) 5.125% (4.297) (4.097) 4.625% (2.739) (2.489) 4.625% (2.268) (2.068)

5.125% (3.978) (3.778) 5.000% (3.854) (3.654) 4.500% (2.342) (2.092) 4.500% (2.082) (1.882)

5.000% (3.643) (3.443) 4.875% (3.467) (3.267) 4.375% (2.049) (1.799) 4.375% (1.726) (1.526)

4.990% (3.573) (3.373) 4.750% (3.072) (2.872) 4.250% (1.787) (1.537) 4.250% (1.414) (1.214)

4.875% (3.233) (3.033) 4.625% (2.725) (2.525) 4.125% (1.809) (1.559) 4.125% (1.266) (1.066)

4.750% (2.643) (2.443) 4.500% (2.237) (2.037) 4.000% (1.026) (0.776) 4.000% (0.957) (0.757)

4.625% (2.094) (1.894) 4.375% (1.657) (1.457) 3.875% (0.531) (0.281) 3.875% (0.656) (0.456)

4.500% (1.492) (1.292) 4.250% (1.118) (0.918) 3.750% (0.243) 0.007 3.750% (0.353) (0.153)

4.375% (0.898) (0.698) 4.125% (0.401) (0.201) 3.625% 0.144 0.394 3.625% 0.193 0.393

4.250% (0.346) (0.146) 4.000% 0.099 0.299 3.500% 0.598 0.848 3.500% 0.397 0.597

Start Rate 15 30 Start Rate 15 30 Rate 15 30 Rate 15 30

4.500% 0.223 0.473 4.750% (0.062) 0.188 5.500% (4.458) (4.258) 5.000% (3.094) (2.894)

4.375% 0.408 0.658 4.625% 0.081 0.331 5.375% (4.066) (3.866) 4.875% (2.675) (2.475)

4.250% 0.603 0.853 4.500% 0.277 0.527 5.250% (3.738) (3.538) 4.750% (2.186) (1.986)

4.125% 0.827 1.077 4.375% 0.501 0.751 5.125% (3.329) (3.129) 4.625% (1.707) (1.507)

4.000% 1.109 1.359 4.250% 0.783 1.033 5.000% (3.188) (2.988) 4.500% (1.074) (0.874)

3.875% 1.404 1.654 4.125% 1.100 1.350 4.875% (2.758) (2.558) 4.375% (0.640) (0.440)

3.750% 1.727 1.977 4.000% 1.445 1.695 4.750% (2.370) (2.170) 4.250% (0.123) 0.077

3.625% 2.051 2.301 3.875% 1.797 2.047 4.625% (1.810) (1.610) 4.125% 0.503 0.703

3.500% 2.377 2.627 3.750% 2.185 2.435 4.500% (1.202) (1.002) 4.000% 1.236 1.436

3.375% 2.708 2.958 3.625% 2.581 2.831 4.375% (0.723) (0.523) 3.875% 2.290 2.490

3.250% 3.054 3.304 3.500% 3.012 3.262 4.250% (0.172) 0.028 3.750% 2.783 2.983

3.125% 3.398 3.648 3.375% 3.419 3.669 4.125% 0.606 0.806 3.625% 3.348 3.548

4.000% 1.284 1.484 3.500% 4.065 4.265


4.750% (1.519) (1.319) 4.750% (1.519) (1.269) 4.250% (0.483) (0.233) 4.500% (0.966) (0.716)

4.625% (1.851) (1.651) 4.625% (1.851) (1.601) 4.125% (0.208) 0.042 4.375% (0.638) (0.388)

4.500% (1.607) (1.407) 4.500% (1.607) (1.357) 4.000% 0.122 0.372 4.250% (0.310) (0.060)

4.375% (1.336) (1.136) 4.375% (1.336) (1.086) 3.875% 0.452 0.702 4.125% 0.025 0.275

4.250% (0.974) (0.774) 4.250% (0.974) (0.724) 3.750% 0.779 1.029 4.000% 0.421 0.671

4.125% (0.972) (0.772) 4.125% (0.972) (0.722) 3.625% 1.111 1.361 3.875% 0.816 1.066

4.000% (0.701) (0.501) 4.000% (0.701) (0.451) 3.500% 1.474 1.724 3.750% 1.209 1.459

3.875% (0.427) (0.227) 3.875% (0.427) (0.177) 3.375% 1.835 2.085 3.625% 1.597 1.847

3.750% (0.031) 0.169 3.750% (0.031) 0.219 3.250% 2.196 2.446 3.500% 1.961 2.211

3.625% 0.332 0.532 3.625% 0.332 0.582 3.125% 2.571 2.821 3.375% 2.323 2.573

3.500% 0.724 0.924 3.500% 0.724 0.974 3.000% 3.028 3.278 3.250% 2.687 2.937

3.375% 1.176 1.376 3.375% 1.176 1.426 2.875% 3.515 3.765 3.125% 3.067 3.317

3.250% 1.643 1.843 3.250% 1.643 1.893


5.500% (5.169) (4.969) 5.500% (5.103) (4.903) 5.500% (4.962) (4.762) 5.500% (4.753) (4.553)

5.375% (4.764) (4.564) 5.375% (4.699) (4.499) 5.375% (4.557) (4.357) 5.375% (4.348) (4.148)

5.250% (4.308) (4.108) 5.250% (4.243) (4.043) 5.250% (4.101) (3.901) 5.250% (3.892) (3.692)

5.125% (3.765) (3.565) 5.125% (3.700) (3.500) 5.125% (3.558) (3.358) 5.125% (3.349) (3.149)

5.000% (3.313) (3.113) 5.000% (3.248) (3.048) 5.000% (3.104) (2.904) 5.000% (2.895) (2.695)

4.875% (2.829) (2.629) 4.875% (2.764) (2.564) 4.875% (2.714) (2.514) 4.875% (2.411) (2.211)

4.750% (2.380) (2.180) 4.750% (2.315) (2.115) 4.750% (2.265) (2.065) 4.750% (1.962) (1.762)

4.625% (1.939) (1.739) 4.625% (1.874) (1.674) 4.625% (1.823) (1.623) 4.625% (1.521) (1.321)

4.500% (1.373) (1.173) 4.500% (1.308) (1.108) 4.500% (1.257) (1.057) 4.500% (0.954) (0.754)

4.375% (0.765) (0.565) 4.375% (0.699) (0.499) 4.375% (0.649) (0.449) 4.375% (0.346) (0.146)

4.250% (0.202) (0.002) 4.250% (0.137) 0.063 4.250% 0.001 0.201 4.250% 0.303 0.503

4.125% 0.371 0.571 4.125% 0.436 0.636 4.125% 0.834 1.034 4.125% 1.136 1.336

4.000% 1.000 1.200 4.000% 1.066 1.266 4.000% 1.463 1.663 4.000% 1.766 1.966


5.000% (3.182) (2.982) 5.000% (3.097) (2.897) 5.500% (4.212) (4.012) 5.500% (4.127) (3.927)

4.875% (3.149) (2.949) 4.875% (3.064) (2.864) 5.375% (3.820) (3.620) 5.375% (3.735) (3.535)

4.750% (2.807) (2.607) 4.750% (2.721) (2.521) 5.250% (3.342) (3.142) 5.250% (3.257) (3.057)

4.625% (2.530) (2.330) 4.625% (2.445) (2.245) 5.125% (2.933) (2.733) 5.125% (2.848) (2.648)

4.500% (2.113) (1.913) 4.500% (2.027) (1.827) 5.000% (2.604) (2.404) 5.000% (2.519) (2.319)

4.375% (1.840) (1.640) 4.375% (1.755) (1.555) 4.875% (2.185) (1.985) 4.875% (2.100) (1.900)

4.250% (1.508) (1.308) 4.250% (1.423) (1.223) 4.750% (1.696) (1.496) 4.750% (1.611) (1.411)

4.125% (1.258) (1.058) 4.125% (1.173) (0.973) 4.625% (1.217) (1.017) 4.625% (1.132) (0.932)

4.000% (0.784) (0.584) 4.000% (0.699) (0.499) 4.500% (0.584) (0.384) 4.500% (0.499) (0.299)

3.875% (0.321) (0.121) 3.875% (0.236) (0.036) 4.375% (0.150) 0.050 4.375% (0.065) 0.135

3.750% 0.135 0.335 3.750% 0.220 0.420 4.250% 0.367 0.567 4.250% 0.452 0.652

3.625% 0.432 0.632 3.625% 0.517 0.717 4.125% 0.993 1.193 4.125% 1.078 1.278

3.500% 0.914 1.114 3.500% 0.999 1.199 4.000% 1.726 1.926 4.000% 1.811 2.011


15 Yr Fixed <=80% LTV 15 Yr 80.01%-105% LTV High Bal 30 Fixed <=80% High Bal 30 Fixed 80.01%-105%


DU Refi Plus 2.030 Yr Fixed <=80% LTV 30 Yr 80.01%-105% LTV 30 Yr >105% LTV High Bal 30 Fixed >105%

15 Yr Fixed 10 Yr Fixed 5/1 Libor ARM 7/1 Libor ARMPortfolio High Bal/Port No MI High Bal Portfolio High Bal/Port No MI High Bal Portfolio High Balance Portfolio High Balance

Portfolio/Portfolio No MI Portfolio/Portfolio No MI Portfolio High Bal/Port No MI High Bal Portfolio High Bal/Port No MI High Bal


Portfolio/Portfolio No MI Portfolio/Portfolio No MI Portfolio/Portfolio No MI

5/1 Libor ARM 7/1 Libor ARM 30 Yr Fixed 20 Yr Fixed



Agency Portfolio

AGENCY

30 Yr Fixed 20 Yr Fixed 15 Yr Fixed 10 Yr FixedPortfolio/Portfolio No MI

Page 6

7:30AM

Loan Amount* Loans $295k-Std Bal Limit (Agency DU Portfolio & Agency DU Portfolio No MI Fixed only) -0.200

* Loans $245k-$294,999 (Agency DU Portfolio & Agency DU Portfolio No MI Fixed only) -0.150 FICO <=60.00% 60.01-70.00%70.01-75.00% 75.01-80.00% 80.01-85.00% 85.01-90.00% 90.01-95.00% 95.01-97.00%

* Loans $200k-$244,999 (Agency DU Portfolio & Agency DU Portfolio No MI Fixed only) -0.100 >=740 0.000 0.250 0.250 0.500 0.250 0.250 0.250 0.750

* Loans $75k-$99,999 0.250 720-739 0.000 0.250 0.500 0.750 0.500 0.500 0.500 1.000

* Loans $50k - $74,999 0.500 700-719 0.000 0.500 1.000 1.250 1.000 1.000 1.000 1.500

* Loans $30k-$49,999 1.250 680-699 0.000 0.500 1.250 1.750 1.500 1.250 1.250 1.500

Property Type 660-679 0.000 1.000 2.250 2.750 2.750 2.250 2.250 2.250

* 2-4 Units 1.000 640-659 0.500 1.250 2.750 3.000 3.250 2.750 2.750 2.750

* Attached Condo >75% LTV (applicable only to terms >15 yrs) 0.750 620-639 0.500 1.500 3.000 3.000 3.250 3.250 3.250 3.500

* Manufactured Home 1.500 <620 (non-Trad Credit only) 0.500 1.500 3.000 3.000 3.250 3.250 3.250 3.500Occupancy* N/O/O up to 75% LTV 2.125 * Fico Scores > = 740 (Agency DU Portfolio & Agency DU Portfolio No MI Fixed only) -0.100* N/O/O 75.01-80% LTV 3.375

* N/O/O 80.01-85% LTV 4.125

Miscellaneous <=75% 75.01-80.00% 80.01-85.00% 85.01-90.00% 90.01-95.00% 95.01-97.01

* High LTV 95.01-97% 0.500 0.375 0.375 0.875 0.875 0.875 1.875

* Purchase Bonus (Agency DU Portfolio & Agency DU Portfolio No MI Fixed only) -0.100 0.375 0.375 0.625 0.625 0.625 1.875

* Escrow Waiver (CA Only) 0.000 0.375 0.375 1.125 1.125 1.125 1.875

* Escrow Waiver (all other states) 0.000 0.375 0.375 0.875 0.875 0.875 1.875

* 7-10 Financed Properties (Applicable to N/O/O & 2nd home only) 1.000 N/A 1.375 1.375 1.375 1.375 1.875

* ARMs w/LTV 90.01-95% 0.250 N/A 1.125 1.125 1.125 1.125 1.875

** Down Payment Protection Feature (refer to Down Payment Protection Tab).

Applicable to High Bal only FICO <=60.00% 60.01-70.00%70.01-75.00% 75.01-80.00% 80.01-85.00%

Loan Purpose >=740 0.375 0.625 0.625 0.875 n/a

* Purchase & Rate/Term Refi 0.250 720-739 0.375 1.000 1.000 1.125 n/a

* Cash-out Refi 1.000 700-719 0.375 1.000 1.000 1.125 n/a

Miscellaneous 680-699 0.375 1.125 1.125 1.750 n/a

* High Balance ARM LTV <=75% 0.750 660-679 0.875 1.375 1.375 2.125 n/a

* High Balance ARM LTV >75% 1.500 640-659 1.625 2.625 2.625 3.625 n/a

620-639 1.625 2.625 2.625 4.125 n/a

All Fixed Rates 105.000

All ARM Rates 103.750

Applicable to 30 Yr Term (Portfolio No MI & Portfolio High Bal No MI)

FICO 80.01-85% 85.01-90% 90.01-95% FICO 80.01-85% 85.01-90% 90.01-95% 95.01-97% FICO

>=800 0.450 0.900 1.260 >=800 0.340 0.750 1.100 1.720 >=800 0.000

780-799 0.510 0.950 1.420 780-799 0.390 0.820 1.240 1.920 780-799 0.000

760-779 0.550 1.010 1.480 760-779 0.430 0.880 1.380 1.920 760-779 0.000

740-759 0.610 1.180 1.770 740-759 0.490 1.020 1.650 2.700 740-759 0.000

720-739 0.950 1.600 2.250 720-739 0.770 1.450 2.100 2.950 720-739 0.000

700-719 1.050 1.870 2.750 700-719 0.780 1.620 2.470 3.650 700-719 0.000

680-699 1.100 1.980 2.980 680-699 0.790 1.680 2.650 3.650 680-699 0.000

660-679 1.600 3.250 4.950 660-679 1.150 2.880 4.560 6.520 660-679 0.500

640-659 1.730 3.530 5.120 640-659 1.340 3.140 4.730 6.700 640-659 0.500

620-639 2.100 4.150 5.850 620-639 1.630 3.740 5.450 7.050 620-639 1.050

Applicable to <=20 Yr Term (Portfolio No MI & Portfolio High Bal No MI)

(Portfolio No MI & Portfolio High Bal No MI)

FICO 80.01-85% 85.01-90% 90.01-95% FICO FICO

>=800 0.310 0.670 1.010 >=800 0.250 >=800 0.000

780-799 0.310 0.680 1.040 780-799 0.300 780-799 0.000

760-779 0.310 0.720 1.050 760-779 0.300 760-779 0.000

740-759 0.330 0.860 1.430 740-759 0.300 740-759 0.000

720-739 0.890 1.220 1.890 720-739 0.500 720-739 0.000

700-719 0.920 1.290 2.710 700-719 0.700 700-719 0.550

680-699 0.940 1.290 2.710 680-699 0.700 680-699 0.550

660-679 1.100 1.420 3.790 660-679 1.230 660-679 1.050

640-659 1.100 1.560 3.990 640-659 1.230 640-659 1.050

620-639 1.100 1.850 4.590 620-639 1.300 620-639 1.100

Maximum Rebate/Price CapPortfolio Fixed 105.000

Portfolio High Balance Fixed 105.000

Portfolio No MI Fixed 105.000

Portfolio No MI High Balance Fixed 105.000

Portfolio ARMs 103.750

Property Type* 2-4 Units 1.000

* Condo >75% LTV (applicable only to terms >15 yrs) 0.750 FICO <=60.00% 60.01-70.00%70.01-75.00% 75.01-80.00% 80.01-85.00% 85.01-90.00% 90.01-95.00% >95.00%

Occupancy >=740 0.000 0.250 0.250 0.250 0.000 0.000 0.000 0.000

* N/O/O up to 75% LTV 2.000 720-739 0.000 0.250 0.250 0.250 0.000 0.000 0.000 0.000

* N/O/O > 75-80% LTV 2.000 700-719 0.000 0.500 0.750 0.750 0.500 0.500 0.500 0.500

* N/O/O > 80-105% LTV 2.000 680-699 0.000 0.500 0.750 0.750 0.750 0.750 0.750 0.750LTV 660-679 0.000 1.000 1.500 1.750 1.750 1.750 1.750 1.250

* LTV >95-97% 1.000 640-659 0.500 1.250 2.000 2.000 2.000 2.000 2.000 2.000

* LTV >97-105% 1.000 620-639 0.500 1.500 2.000 2.000 2.000 2.000 2.000 2.000

* LTV >105% 2.000

* LTV >80% & >20 year term 0.750 <=80% 80.01-85.00% 85.01-90.00% 90.01-95.00% >95.00%

* LTV >80% & <=20 year term 0.000 0.375 0.375 0.375 0.625 1.875

0.625 0.625 0.625 0.875 1.875

* ALL LTV's & >25 year term 2.000

* LTV <= 105% & <=25 year term 2.000

* LTV >105% - 125% & <=25 year term 1.500

Loan Amount* Loans $100k-$139,999 0.250

* Loans $75k-$99,999 0.375

* Loans $50k - $74,999 0.500

* Loans $30k-$49,999 1.250Miscellaneous* N/O/O LTV >75% 0.250

* Escrow Waiver (CA Only) 0.000

* Escrow Waiver (all other states) 0.000

Miscellaneous* N/O/O LTV >75% 0.250 DU Refi Plus Fixed & DU Refi High Balance Fixed 105.000

* Escrow Waiver (CA Only) 0.000

* Escrow Waiver (all other states) 0.000



This is not an advertisement pursuant to 12 C.F.R. 1026.2(a)(2). This is informational material intended for real estate business professionals only and is not for distribution to consumers or prospective applicants for residential mortgage loans. Interest rate,

terms and programs are subject to change without notice. © 2014 Paramount Residential Mortgage Group, Inc. 1265 Corona Pointe Court, Corona, CA 92879. All Rights Reserved. NMLS ID 75243.

FICO

>=720

Price Adjustment Caps (All scenarios, except Owner Occ >80% LTV) <720

Not Subject to Price Adjustment Caps (Standard Balance only)

Not Subject to Price Adjustment Caps (High Balance only)

Applicable to All Applicable to All Credit Score (Except Terms <=15 Yrs)

LTV (%)

Subordinate FinancingPrice Adjustment Caps (Owner Occ & >80% LTV only) CLTV (%)

3.620

3.640

6.490

6.740

7.050

DU Refi Plus 2.0,DU Refi Plus High Balance 2.0 Price Adjustments

95.01-97%

1.550

1.830

1.840

2.640

2.960

7.090

7.450

Applicable to Second Homes Applicable to R&T Refi's LTV (%) (Portfolio No MI & Portfolio High Bal No MI)

2.050

2.850

3.100

3.900

3.960

6.900

LTV (%) LTV (%) (Portfolio No MI & Portfolio High Bal No MI)

95.01-97%

1.880

2.050

*If using a PRMG Closed End second, the PRMG 1st lien is subject to a

LLPA that will be manually added by Secondary and will be: 0.300 to

the price.

Cash-out LTV (%)

Maximum Rebate/Buy

Applicable to Lender Paid Portfolio No MI & Portfolio High Bal No MI Programs (In addition to all other LLPAs)Applicable to 25 Yr Term (Portfolio No MI & Portfolio High Bal No MI) Applicable to Loan Size >$453,100

65.01-75% & FICO <720

65.01-75% & FICO>=720

75.01-95% & FICO <720

75.01-95% & FICO >=720

Credit Score

Subordinate FinancingCLTV (%)

LTV/FICO

<=65% & FICO <720

<=65% & FICO >=720



PRICE ADJUSTMENTS

AGENCY

Portfolio, Portfolio High Balance, Portfolio No MI, Portfolio No MI High Balance Price Adjustments

Applicable to All Applicable to All Credit Score (Except Terms <=15 Yrs)

LTV (%)

Page 7

7:30AM

30 Yr Fixed 15 Yr Fixed 5/1 ARMRate 15 30 Rate 15 30 Start Rate 15 30 Rate 15 30

5.625% (5.405) (5.205) 4.500% (3.099) (2.899) 4.000% (0.710) (0.460) 5.250% (4.135) (3.935)

5.500% (5.274) (5.074) 4.375% (2.818) (2.618) 3.875% (0.425) (0.175) 5.125% (3.907) (3.707)

5.375% (5.082) (4.882) 4.250% (3.202) (3.002) 3.750% (0.106) 0.144 5.000% (3.775) (3.575)

5.250% (4.879) (4.679) 4.125% (3.012) (2.812) 3.625% 0.151 0.401 4.990% (3.695) (3.495)

5.125% (4.745) (4.545) 4.000% (2.665) (2.465) 3.500% 0.219 0.469 4.875% (3.739) (3.539)

5.000% (4.450) (4.250) 3.875% (2.283) (2.083) 3.375% 0.832 1.082 4.750% (3.390) (3.190)

4.990% (4.370) (4.170) 3.750% (1.918) (1.718) 3.250% 1.232 1.482 4.625% (3.124) (2.924)

4.875% (4.099) (3.899) 3.625% (1.007) (0.807) 3.125% 1.884 2.134 4.500% (2.704) (2.504)

4.750% (3.954) (3.754) 3.500% (0.587) (0.387) 3.000% 2.294 2.544 4.375% (2.223) (2.023)

4.625% (3.727) (3.527) 3.375% (0.144) 0.056 2.875% 3.214 3.464 4.250% (1.577) (1.377)

4.500% (3.420) (3.220) 3.250% 0.318 0.518 2.750% 3.626 3.876 4.125% (0.976) (0.776)

4.375% (2.877) (2.677) 3.125% 1.804 2.004 4.000% (0.528) (0.328)

4.250% (2.377) (2.177) 3.000% 2.456 2.656 3.875% (0.041) 0.159

High Balance 5/1 ARM Streamline HB 5/1 ARM Rate 15 30 Start Rate 15 30 Start Rate 15 30 Rate 15 30

5.625% (4.905) (4.705) 4.000% (0.271) (0.021) 4.000% (0.436) (0.186) 5.250% (3.635) (3.435)

5.500% (4.774) (4.574) 3.875% (0.123) 0.127 3.875% (0.038) 0.212 5.125% (3.282) (3.082)

5.375% (4.582) (4.382) 3.750% (0.191) 0.059 3.750% 0.224 0.474 5.000% (3.275) (3.075)

5.250% (4.379) (4.179) 3.625% 0.679 0.929 3.625% 0.602 0.852 4.875% (3.114) (2.914)

5.125% (4.245) (4.045) 3.500% 0.853 1.103 3.500% 0.989 1.239 4.750% (2.890) (2.690)

5.000% (3.950) (3.750) 3.375% 1.079 1.329 3.375% 1.385 1.635 4.625% (2.624) (2.424)

4.875% (3.599) (3.399) 3.250% 1.357 1.607 3.250% 1.732 1.982 4.500% (2.204) (2.004)

4.750% (3.454) (3.254) 3.125% 2.292 2.542 3.125% 2.197 2.447 4.375% (1.723) (1.523)

4.625% (3.227) (3.027) 3.000% 2.582 2.832 3.000% 2.581 2.831 4.250% (1.077) (0.877)

4.500% (2.830) (2.630) 2.875% 3.893 4.143 2.875% 2.974 3.224 4.125% (0.476) (0.276)

4.375% (2.377) (2.177) 2.750% 4.330 4.580 2.750% 3.051 3.301 4.000% (0.028) 0.172

4.250% (1.877) (1.677) 3.875% 0.459 0.659

4.125% (0.731) (0.531) 3.750% 0.975 1.175

Streamline 5/1 ARMRate 15 30 Rate 15 30 Start Rate 15 30 Rate 15 30

5.250% (4.779) (4.579) 4.250% (2.991) (2.791) 4.000% (0.346) (0.096) 4.750% (2.859) (2.659)

5.125% (4.745) (4.545) 4.125% (2.665) (2.465) 3.875% 0.012 0.262 4.625% (2.624) (2.424)

5.000% (4.449) (4.249) 4.000% (2.338) (2.138) 3.750% 0.314 0.564 4.500% (2.204) (2.004)

4.990% (4.369) (4.169) 3.875% (1.909) (1.709) 3.625% 0.588 0.838 4.375% (1.752) (1.552)

4.875% (4.018) (3.818) 3.750% (1.558) (1.358) 3.500% 0.906 1.156 4.250% (1.327) (1.127)

4.750% (3.854) (3.654) 3.625% (0.715) (0.515) 3.375% 1.268 1.518 4.125% (0.601) (0.401)

4.625% (3.555) (3.355) 3.500% (0.355) (0.155) 3.250% 1.669 1.919 4.000% (0.153) 0.047

4.500% (3.210) (3.010) 3.375% 0.115 0.315 3.125% 2.287 2.537 3.875% (0.041) 0.159

4.375% (2.710) (2.510) 3.250% 0.600 0.800 3.000% 2.671 2.921 3.750% 0.850 1.050

4.250% (2.053) (1.853) 3.125% 2.204 2.404 2.875% 3.064 3.314 3.625% 1.654 1.854

4.125% (1.554) (1.354) 3.000% 2.666 2.866 2.750% 3.141 3.391 3.500% 2.029 2.229

4.000% (1.161) (0.961) 2.875% 3.144 3.344 3.375% 3.345 3.545

3.990% (1.081) (0.881) 2.750% 3.626 3.826 3.250% 5.446 5.646

VA 30 Yr Fixed VA 15 Yr FixedRate 15 30 Rate 15 30 Start Rate 15 30 Rate 15 30

5.250% (4.529) (4.329) 4.500% (2.682) (2.432) 4.000% (0.271) (0.021) 5.250% (3.945) (3.745)

5.125% (4.213) (4.013) 4.375% (2.455) (2.205) 3.875% (0.043) 0.207 5.125% (3.068) (2.868)

5.000% (3.871) (3.671) 4.250% (2.921) (2.671) 3.750% 0.217 0.467 5.000% (3.360) (3.160)

4.875% (3.603) (3.403) 4.125% (2.546) (2.296) 3.625% 0.626 0.876 4.875% (3.170) (2.970)

4.750% (3.604) (3.404) 4.000% (2.244) (1.994) 3.500% 0.880 1.130 4.750% (2.925) (2.725)

4.625% (3.154) (2.954) 3.875% (1.903) (1.653) 3.375% 1.182 1.432 4.625% (2.473) (2.273)

4.500% (2.821) (2.621) 3.750% (1.526) (1.276) 3.250% 1.530 1.780 4.500% (2.260) (2.060)

4.375% (2.427) (2.227) 3.625% (0.599) (0.349) 3.125% 2.283 2.533 4.375% (2.330) (2.130)

4.250% (2.016) (1.816) 3.500% (0.213) 0.037 3.000% 2.640 2.890 4.250% (1.569) (1.369)

4.125% (1.240) (1.040) 3.375% 0.204 0.454 2.875% 3.353 3.603 4.125% (1.178) (0.978)

4.000% (0.847) (0.647) 3.250% 0.646 0.896 2.750% 3.765 4.015 4.000% (0.386) (0.186)

3.875% (0.264) (0.064) 3.125% 2.164 2.414 2.625% 4.237 4.487 3.875% 0.081 0.281

3.750% 0.238 0.438 3.000% 2.736 2.986 2.00 Margin, 1/1/5 Caps 3.750% 0.584 0.784


5.625% (4.955) (4.755) 4.500% (2.365) (2.165) 5.250% (3.046) (2.846) 5.250% (4.724) (4.524)

5.500% (4.824) (4.624) 4.375% (2.175) (1.975) 5.125% (2.819) (2.619) 5.125% (4.408) (4.208)

5.375% (4.632) (4.432) 4.250% (2.641) (2.441) 5.000% (2.557) (2.357) 5.000% (4.071) (3.871)

5.250% (4.429) (4.229) 4.125% (2.231) (2.031) 4.875% (2.364) (2.164) 4.875% (3.676) (3.476)

5.125% (4.113) (3.913) 4.000% (1.804) (1.604) 4.750% (2.693) (2.493) 4.750% (3.799) (3.599)

5.000% (3.746) (3.546) 3.875% (1.361) (1.161) 4.625% (2.243) (2.043) 4.625% (3.349) (3.149)

4.875% (3.478) (3.278) 3.750% (0.918) (0.718) 4.500% (1.733) (1.533) 4.500% (2.839) (2.639)

4.750% (3.504) (3.304) 3.625% (0.221) (0.021) 4.375% (1.209) (1.009) 4.375% (2.326) (2.126)

4.625% (3.054) (2.854) 3.500% 0.225 0.425 4.250% (1.017) (0.817) 4.250% (1.917) (1.717)

4.500% (2.696) (2.496) 3.375% 0.689 0.889 4.125% (0.349) (0.149) 4.125% (1.279) (1.079)

4.375% (2.302) (2.102) 3.250% 1.149 1.349 4.000% 0.207 0.407 4.000% (0.725) (0.525)

4.250% (1.841) (1.641) 3.125% 2.554 2.754 3.875% 0.775 0.975 3.875% (0.129) 0.071

4.125% (1.115) (0.915) 3.000% 3.016 3.216 3.750% 1.356 1.556 3.750% 0.456 0.656

Loan Amount FICO* Loans $250k-Std Bal Limit -0.200 * Fico Scores >= 680 (all FHA, VA & USDA; Except FHA strml Std & High Bal VA IRRRL Std & High Bal)-0.125

* Loans $175k-$249,999 -0.100 * Fico Scores >= 700 (FHA Strml Std & High Bal &VA IRRRL Std & High Bal only) -0.375

* Loans $75k-$99,999 0.250 * Fico Scores 680-699 (FHA Strml Std & High Bal &VA IRRRL Std & High Bal only) -0.250

* Loans $50k-$74,999 0.750 * Fico Scores 640 - 679 (VA IRRRL High Bal only) 0.625

* Loans $30k-$49,999 2.000 * Fico Scores 640 - 679 (FHA Std Bal Streamline Only) 0.250

* Loans < $30,000 Contact Secondary * Fico Scores 660 - 679 (all; except FHA Std Bal Strmln & VA IRRRL HB) 0.125

* Loans $1M-$1.5m (VA High Bal only) 0.500 * Fico Scores 640 - 659 (all; except FHA Std Bal Strmln & VA IRRRL HB) 0.500

* Loans >=$1m (VA IRRRL High Bal only) 0.625 * Fico Scores 620 - 639 1.250

* Fico Scores 600 - 619 1.500

* Fico Scores 580 - 599 2.250LTV * No FICO Score (Non-Traditional Credit only) 2.250

* Streamline CLTV 100.01-125% 0.250 Miscellaneous * VA IRRRL & VA IRRRL High Bal w/LTV >100-105% 0.250 * Purchase Bonus (FHA, FHA Portfolio, VA only - All Standard Bal Fixed only) -0.100

* VA IRRRL & VA IRRRL High Bal w/LTV >105% 0.500 * Down Payment Asst Prgrms (FHA High Bal only) 0.375

* VA Cash-out 90.01-95% (Standard Bal and High Bal) 0.250

Occupancy * VA Cash-out 95.01 to 100% (Standard Bal and High Bal) 0.500

* Non Owner Occupied 1.000 *FHA Manufactured Home 2.000Maximum Rebate/Price Cap *USDA/VA Manufactured Home 1.000

All Fixed Rates 105.000 ** Down Payment Protection Feature (refer to Down Payment Protection Tab).

All ARM Rates 103.750


Government Price Adjustments

VA 5/1 ARM VA High Balance - 30

VA IRRRL - 30 VA IRRRL - 15 VA IRRRL High Bal - 30 USDA - 30 Yr

Streamline 30 Streamline 15 Streamline HB - 30


VA/USDA



FHAGOVERNMENT

High Balance - 30


FHA Portfolio 30 FHA HB Portfolio 30


Page 8

7:30AM

LTV80.00% * Purchase only

80.01%-81.00% * Agency

81.01%-82.00% * Agency NO MI

82.01%-83.00% * Agency LP

83.01%-84.00% * Agency High Balance

84.01%-85.00% * Home Ready

85.01%-86.00% * Home Possible

86.01%-87.00% * FHLMC Super Confriming

87.01%-88.00% * FHA

88.01%-89.00% * FHA Portfolio

89.01%-90.00% * FHA Portfolio No Score

90.01%-91.00% * FHA 203H

91.01%-92.00% * FHA Portfolio GNND

92.01%-93.00%

93.01%-94.00%

94.01%-95.00%

95.01%-96.00% * Refinance

96.01%-96.50% * Agency Tx Home Equity

96.51%-97.00% * Niche

* Jumbos

* FHA Streamilines

* DU Refi Plus

Group2 * Closed End Seconds

Group3 * VA IRRRLS

Group4 * FHA 203K

Group5

Rate Sheet: WHLS-1000

2 - Maximum coverage available cannot exceed $200,000

DE, FL, MD, MI, MN, RI, UT

GA, OR

ID

AZ, NV

Notes:1 - All rates include State level fees and taxes.

0.181 0.223 0.266 0.372 0.436

Group1 AK, AL, AR, CA, CO, CT, DC, HI, IA, IL, IN, KS, KY, LA, MA, ME, MO, MS, MT, NC, ND, NE, NH, NJ,

NM, OH, OK, PA, SC, SD, TN, TX, VA, VT, WA, WI, WV

0.202 0.252 0.299 0.417 0.488

0.191 0.237 0.282 0.395 0.462

Programs- Not Allowed0.282 0.358 0.424 0.587 0.684

0.355 0.446 0.530 0.732 0.859

0.318 0.402 0.476 0.659 0.771

0.431 0.538 0.642 0.885 1.041

0.393 0.491 0.586 0.808 0.949

0.489 0.617 0.737 1.013 1.194

0.470 0.585 0.699 0.963 1.135

0.529 0.683 0.816 1.117 1.317

0.509 0.650 0.776 1.065 1.255

0.571 0.753 0.898 1.226 1.445

0.550 0.718 0.857 1.171 1.380

0.599 0.806 0.965 1.320 1.549

0.585 0.779 0.931 1.273 1.496

0.629 0.861 1.035 1.419 1.659

0.614 0.833 0.999 1.369 1.603

Available Programs

0.645 0.890 1.071 1.471 1.716



Down Payment Protection Feature

Down Payment Protection Feature

Group 1 Group 2 Group 3 Group 4 Group 5

7:30AM

Diamond 30 Yr Fixed Diamond 15 Yr Fixed Diamond 5/1 ARM Diamond 7/1 ARMRate 30 45 Rate 30 45 Rate 30 45 Rate 30 45

4.875% (0.036) 0.214 4.250% 2.808 3.058 4.875% 2.199 2.449 5.000% 2.836 3.086

4.750% 0.488 0.738 4.125% 3.480 3.730 4.750% 2.746 2.996 4.875% 3.461 3.711

4.625% 0.986 1.236 4.000% 4.152 4.402 4.625% 3.293 3.543 4.750% 4.086 4.336

4.500% 1.564 1.814 3.875% 4.824 5.074 4.500% 3.840 4.090 4.625% 4.711 4.961

4.375% 2.143 2.393 3.750% 5.496 5.746 4.375% 4.387 4.637 4.500% 5.336 5.586

4.250% 2.721 2.971 3.625% 6.168 6.418 4.250% 4.934 5.184 4.375% 5.961 6.211

4.125% 3.299 3.549 3.500% 6.840 7.090 4.125% 5.481 5.731 4.250% 6.586 6.836

4.000% 3.877 4.127 3.375% 7.512 7.762 4.000% 6.027 6.277 4.125% 7.211 7.461

3.875% 4.455 4.705 3.250% 8.183 8.433 3.875% 6.574 6.824 4.000% 7.836 8.086

3.750% 5.033 5.283 3.125% 8.855 9.105 3.750% 7.121 7.371 3.875% 8.461 8.711

3.625% 5.611 5.861 3.000% 9.527 9.777 3.625% 7.668 7.918 3.750% 9.086 9.336

3.500% 6.189 6.439 2.875% 10.199 10.449 3.500% 8.215 8.465 3.625% 9.711 9.961

3.375% 6.768 7.018 2.750% 10.871 11.121 3.375% 8.762 9.012 3.500% 10.336 10.586


5.250% (2.674) (2.424) 4.875% (1.658) (1.408) 4.875% (1.765) (1.515) 4.875% (1.573) (1.323)

5.125% (2.264) (2.014) 4.750% (1.301) (1.051) 4.750% (1.413) (1.163) 4.750% (1.297) (1.047)

5.000% (1.813) (1.563) 4.625% (0.903) (0.653) 4.625% (1.041) (0.791) 4.625% (0.958) (0.708)

4.875% (1.333) (1.083) 4.500% (0.480) (0.230) 4.500% (0.657) (0.407) 4.500% (0.573) (0.323)

4.750% (0.839) (0.589) 4.375% (0.048) 0.202 4.375% (0.272) (0.022) 4.375% (0.156) 0.094

4.625% (0.341) (0.091) 4.250% 0.385 0.635 4.250% 0.139 0.389 4.250% 0.276 0.526

4.500% 0.166 0.416 4.125% 0.830 1.080 4.125% 0.583 0.833 4.125% 0.732 0.982

4.375% 0.692 0.942 4.000% 1.299 1.549 4.000% 1.072 1.322 4.000% 1.219 1.469

4.250% 1.244 1.494 3.875% 1.807 2.057 3.875% 1.614 1.864 3.875% 1.745 1.995

4.125% 1.829 2.079 3.750% 2.364 2.614 3.750% 2.218 2.468 3.750% 2.318 2.568

SM 30/20 Yr Fixed SM 15 Yr Fixed SM 5/1 ARMRate 15 30 Rate 15 30 Start Rate 15 30 Start Rate 15 30

6.000% (4.768) (4.518) 5.500% (3.776) (3.526) 5.125% (3.050) (2.800) 4.875% (2.358) (2.108)

5.875% (4.393) (4.143) 5.375% (3.401) (3.151) 5.000% (2.738) (2.488) 4.750% (1.983) (1.733)

5.750% (4.018) (3.768) 5.125% (2.651) (2.401) 4.875% (2.363) (2.113) 4.625% (1.608) (1.358)

5.625% (3.643) (3.393) 5.000% (2.213) (1.963) 4.750% (1.988) (1.738) 4.500% (1.233) (0.983)

5.500% (3.268) (3.018) 4.875% (1.776) (1.526) 4.625% (1.613) (1.363) 4.375% (0.858) (0.608)

5.375% (2.893) (2.643) 4.750% (1.338) (1.088) 4.500% (1.238) (0.988) 4.250% (0.483) (0.233)

5.250% (2.393) (2.143) 4.625% (0.901) (0.651) 4.375% (0.863) (0.613) 4.125% (0.108) 0.142

5.125% (1.893) (1.643) 4.500% (0.463) (0.213) 4.250% (0.488) (0.238) 4.000% 0.267 0.517

5.000% (1.393) (1.143) 4.375% (0.026) 0.224 4.125% (0.113) 0.137 3.875% 0.642 0.892

4.875% (0.893) (0.643) 4.250% 0.412 0.662 4.000% 0.262 0.512 3.750% 1.142 1.392

4.750% (0.393) (0.143) 4.125% 0.974 1.224 3.875% 0.637 0.887 3.625% 1.642 1.892

4.000% 1.537 1.787 3.750% 1.137 1.387 3.500% 2.142 2.392



SILVER MEDAL JUMBOSM 7/1 ARM



Wednesday, July 18, 2018 Wholesale Rates effective until 3:30 pm PDT (In an occurrence of a Price Change, Notification will be sent)

DIAMOND JUMBO

GENERIC JUMBO / CONVENTIONAL NON-CONFORMING

PLATINUM JUMBOPlatinum 30 Yr Fixed Platinum 15 Yr Fixed Platinum 5/1 ARM Platinum 7/1 ARM

Page 10

7:30AM

* Cash-out Refi LTV 60.01-65% 0.250

Lnamt <=60.00% 60.01-65.00%65.01-70.00%70.01-75.00% 75.01-80.00% * Cash-out Refi LTV 65.01-70% 0.500

<=$1M -0.250 -0.125 0.000 0.000 0.000 * Cash-out Refi LTV 70.01-75% 0.750

>1M -1.5M -0.125 0.000 0.000 0.000 0.000 * Cash-out Refi LTV >75 1.000

>1.5M-2.0M 0.000 0.000 0.000 0.125 0.500 * Purchase Special LTV<=60% -0.125>2M-2.5M 0.000 0.000 Property

* 2 Units w/LTV <=60% 0.250

* 2 Units w/LTV 60.01-65% 0.375

FICO <=60.00% 60.01-65.00%65.01-70.00%70.01-75.00% 75.01-80.00% * 2 Units w/LTV 65.01-70% 0.500

>=800 -0.500 -0.500 -0.250 -0.250 -0.125 * 2 Units w/LTV 70.01-75% 0.750

780-799 -0.500 -0.375 -0.250 -0.125 0.000 * 2 Units w/LTV 75.01-80% 1.000

760-779 -0.375 -0.250 -0.125 0.000 0.250 * 3-4 Units <=60% 0.375

740-759 -0.250 -0.125 0.000 0.125 0.375 * 3-4 Units LTV 60.01-65% 0.500

720-739 -0.250 -0.125 0.125 0.250 0.625 * 3-4 Units LTV 65.01-70% 0.625700-719 -0.125 0.000 0.250 0.500 1.000 Occupancy

* Second Home LTV/CLTV 65.01-75% 0.125

* Investment <= 60% 2.750

State <=60.00% 60.01-65.00%65.01-70.00%70.01-75.00% 75.01-80.00% MiscellaneousFL, NV-Fixed 0.000 0.000 0.000 0.000 0.375 * Escrow waiver 0.125

FL, NV-ARM 0.000 0.000 0.000 0.375 0.750

CA- Fixed 0.125 0.125 0.125 0.250 0.375

CA-ARM 0.000 0.125 0.125 0.125 0.250

(Price cap is after all LLPAs but before Lender Paid Comp)

Term <=$1.0M > $1.0M

30YR 102.510 102.010

15YR 102.010 101.760

5/1 Arm 101.385 101.260

7/1 Arm 101.760 101.510


Loan Amount

LTV/CLTV (%)

FICO / LTV / CLTVLTV/CLTV (%)

State AdjustorsLTV/CLTV (%)




JUMBO PRICE ADJUSTMENTS

Jumbo/Non-Conform

ing

Diamond Jumbo Price Adjustments

Applicable to All Applicable to All:Loan Amount / LTV / CLTV Loan Purpose

Page 11

7:30AM

Applicable to Fixed Rate Loans Applicable to ARM Loans (continued)Loan Amount Loan Purpose* Loans <=$1M & LTV/CLTV <=60% -0.250 * Cashout & LTV/CLTV<=60% 0.250

* Loans <=$1M & LTV/CLTV 60.01-65% -0.125 * Cashout & LTV/CLTV 60.01-65% 0.375

* Loans >$1.0M-$1.5M & LTV/CLTV <=60% -0.125 * Cashout & LTV/CLTV 65.01-70% 0.500

* Loans >$1M-$1.5M & LTV/CLTV 70.01-75% 0.125 * Cashout & LTV/CLTV 70.01-75% 1.375

* Loans >$1M-$1.5M & LTV/CLTV 75.01-80% 0.250 MiscellaneousCredit Score * DTI >40% & LTV/CLTV 70.01-75% 0.250

LTV/CLTV (%) * DTI >40% & LTV/CLTV 75.01-80% 0.375

FICO <=60.00% 60.01-65.00%65.01-70.00%70.01-75.00% 75.01-80.00% *Purchase Special ARM -0.125>=760 -0.500 -0.375 -0.250 0.125 0.250 Applicable to All740-759 -0.375 -0.250 -0.125 0.250 0.625 Occupancy720-739 -0.250 -0.125 0.000 0.500 0.750 * Second Home & LTV/CLTV <=60% 0.000

700-719 -0.125 0.125 0.250 0.750 1.125 * Second Home & LTV/CLTV 60.01-65% 0.250

<700 0.000 0.250 * Second Home & LTV/CLTV 65.01-70% 0.375Loan Purpose * Second Home & LTV/CLTV 70.01-75% 0.625

* Cashout & LTV/CLTV<=60% 0.125 Property Type* Cashout & LTV/CLTV 60.01-65% 0.250 * 2-4 Units & LTV/CLTV 65.01-70% 0.250

* Cashout & LTV/CLTV 65.01-70% 0.375 * 2-4 Units & LTV/CLTV 70.01-75% 0.500

* Cashout & LTV/CLTV 70.01-75% 1.250 * 2-4 Units & LTV/CLTV 75.01-80% 0.875Miscellaneous Balance Change/Loan Amount Tolerance* DTI >40% & LTV/CLTV 70.01-75% 0.125 * Loan amount change $45,001-$75,000 0.125

* DTI >40% & LTV/CLTV 75.01-80% 0.250 * Loan amount change $75,000-$150,000 0.250

*Purchase Special 15 YR fixed -0.125 Miscellaneous*Purchase Special 30 YR fixed -0.250 * Escrow Waiver (Excluding CA, NC, AND DC) 0.125Applicable to ARM LoansLoan Amount * Loans <=$1M & LTV/CLTV <=60% -0.250

* Loans <=$1M & LTV/CLTV 60.01-65% -0.125

* Loans >$1M-$1.5M & LTV/CLTV <=60% -0.125

* Loans >$1M-$1.5M & LTV/CLTV 70.01-75% 0.125

* Loans >$1M-$1.5M & LTV/CLTV 75.01-80% 0.250

Credit ScoreLTV/CLTV (%)

FICO <=60.00% 60.01-65.00%65.01-70.00%70.01-75.00% 75.01-80.00%

>=760 -0.375 -0.250 -0.125 0.125 0.375 Maximum Rebate/Price Cap740-759 -0.250 -0.125 0.000 0.375 0.750 (Price cap is after all LLPAs but before Lender Paid Comp)

720-739 -0.125 0.000 0.125 0.625 0.875 * Platinum 30 yr Fixed Rate 101.260

700-719 0.000 0.250 0.375 0.875 1.250 * Platinum 15 yr Fixed Rate 101.010

<700 0.125 0.375 * Platinum 10/1 ARM, 7/1 ARM, 5/1 ARM 100.885

Credit Score* Refi Adjuster 7/1 & 5/1 ARM 0.250

FICO <=60.00% 60.01-70.00%70.01-75.00%75.01-80.00% 80.01-85.00% * Refi Adjuster 15 Yr. 0.250

>=800 -0.750 -0.625 -0.500 -0.250 0.000 * Refi Adjuster 10/1 ARM 0.250

780-799 -0.625 -0.500 -0.375 -0.125 0.250 * Refi Adjuster 30Yr 0.250

760-779 -0.500 -0.375 -0.125 0.125 0.750 * Cash-Out Refinance LTV <=50% 0.125

740-759 -0.375 -0.125 0.125 0.375 1.375 * Cash-Out Refinance LTV >50% <=60% 0.250

720-739 -0.125 0.250 0.500 0.875 * Cash-Out Refinance LTV >60% 0.375

700-719 0.125 0.500 0.875 1.375

Loan Amount *Auto Pay Special Feature (Rate Adjustment) -0.250

* Loans >=$1mm -0.125 *State Adjuster 30/20 Yr. (CT,IL,KS,MO,NJ) -0.500

Property Type *State Adjuster 15/10 Yr. (CT,IL,KS,MO,NJ) -0.375

* 3 Unit Property 0.375 *State Adjuster 7/1,5/1 ARMS (CT,IL,KS,MO,NJ) -0.375

* 4 Unit Property 1.000

Occupancy*Second Home 0.250* Investment Property (5/1 ARM N/A) 1.750


Miscellaneous



JUMBO PRICE ADJUSTMENTS (Continued)

PORTFOLIO

Platinum Jumbo Price Adjustments

Silver Medal Jumbo Price Adjustments

Applicable to AllLoan Purpose

LTV/CLTV (%)

Page 12

7:30AM

Niche Jumbo 30 Yr Fixed Niche Jumbo 5/1 ARMRate 30 45 Start Rate 30 45

6.750% (1.595) (1.345) 6.625% (2.424) (2.174)

6.625% (1.367) (1.117) 6.500% (2.196) (1.946)

6.500% (1.139) (0.889) 6.375% (1.970) (1.720)

6.375% (0.933) (0.683) 6.250% (1.743) (1.493)

6.250% (0.732) (0.482) 6.125% (1.517) (1.267)

6.125% (0.535) (0.285) 6.000% (1.292) (1.042)

6.000% (0.344) (0.094) 5.875% (1.068) (0.818)

5.875% (0.159) 0.091 5.750% (0.851) (0.601)

5.750% 0.016 0.266 5.625% (0.636) (0.386)

5.625% 0.180 0.430 5.500% (0.422) (0.172)

5.500% 0.352 0.602 5.375% (0.210) 0.040

5.375% 0.526 0.776 5.250% 0.002 0.252

5.250% 0.700 0.950

Rate 30 45 Start Rate 30 45

7.500% (0.753) (0.503) 7.000% (0.956) (0.706)

7.375% (0.525) (0.275) 6.875% (0.724) (0.474)

7.250% (0.297) (0.047) 6.750% (0.496) (0.246)

7.125% (0.069) 0.181 6.625% (0.268) (0.018)

7.000% 0.159 0.409 6.500% (0.040) 0.210

6.875% 0.387 0.637 6.375% 0.186 0.436

6.750% 0.615 0.865 6.250% 0.413 0.663

6.625% 0.843 1.093 6.125% 0.639 0.889

6.500% 1.071 1.321 6.000% 0.864 1.114

6.375% 1.277 1.527 5.875% 1.088 1.338

6.250% 1.478 1.728 5.750% 1.305 1.555

6.125% 1.675 1.925 5.625% 1.520 1.770

6.000% 1.866 2.116

Non-Prime Adv 30 Yr Fixed Non-Prime Adv 5/1 ARMRate 30 45 Rate 30 45

8.500% 0.165 0.415 8.250% (0.786) (0.536)

8.375% 0.394 0.644 8.125% (0.554) (0.304)

8.250% 0.622 0.872 8.000% (0.322) (0.072)

8.125% 0.851 1.101 7.875% 0.006 0.256

8.000% 1.079 1.329 7.750% 0.310 0.560

7.875% 1.308 1.558 7.625% 0.590 0.840

7.750% 1.536 1.786 7.500% 0.865 1.115

7.625% 1.765 2.015 7.375% 1.097 1.347

7.500% 1.993 2.243 7.250% 1.329 1.579

7.375% 2.222 2.472 7.125% 1.562 1.812

7.250% 2.450 2.700 7.000% 1.794 2.044

7.125% 2.679 2.929 6.875% 2.026 2.276

7.000% 2.907 3.157


*Loan Amounts from $100,000 to $1 Million

*LTV to 85%


NON-PRIME ADVANTAGEProgram Highlights

NICHE NON-PRIME ADVANTAGE

*No seasoning for bankruptcy, foreclosure, deed in lieu or short sale

*580 Minimum Credit Score

*No Mortgage or Rental Pay History Required

*Multiple Derogatory Events with 4 Year Seasoning

*Mortgage Lates in Last Year Allowed


*90% LTV with No MI

5.00 Margin, 2/2/6 Caps *Non Warrantable Condos (including Condotels)

Alt Access 30 Yr Fixed Alt Access 5/1 ARM Program HighlightsNICHE ALTERNATIVE ACCESS

*Loan amounts from $100,000 to $1.5 Million

*Derogatory Credit with 24 Month Seasoning

*Restricted Stock and Asset Depletion Allowed


*85% LTV Cash Out Refinance

4.50 Margin, 2/2/6 Caps *Non Warrantable Condos (including Condotels)

ALTERNATIVE ACCESS



NICHE JUMBO

NICHE/NON-PRIME

Program HighlightsNICHE JUMBO

*Loan Amounts from $100,000 to $3 Million

*4 Year Seasoning on Derogatory Credit

*90% LTV with No MI

Page 13

7:30AM

Adjustments to RATE:

0-70% 70.01-75% 75.01-80% 80.01-85% >85%

*Second Home 0.250 0.250 0.250 0.250 0.250

*Cash-Out (Except Debt Consol) 0.375 0.375 0.375 0.375 N/A

*2-4 Units 0.125 0.125 0.125 0.125 0.125

0.500 0.500 0.500 0.500 0.500

0-70% 70.01-75% 75.01-80% 80.01-85% >85%

-0.500 -0.375 -0.250 0.250 0.500

-0.375 -0.250 -0.125 0.375 0.625

-0.250 -0.125 0.000 0.500 0.750

0.000 0.125 0.250 0.625 0.875

0.125 0.250 0.375 0.750 1.125

0.500 0.625 0.750 1.125 N/A

Adjustments to PRICE:

0-70% 70.01%-75% 75.01-80% 80.10%-85% >85%

0.500 0.500 0.500 0.625 0.750

0.250 0.250 0.250 0.375 0.500

-0.250 -0.250 -0.250 0.000 0.500

-0.250 -0.250 -0.250 0.000 0.500

-0.125 -0.125 -0.125 0.125 0.250 *Niche Jumbo Debt Consol 30 Yr Fixed (price same as Niche Jumbo 30)

0.125 0.125 0.125 0.250 0.250 *Niche Jumbo Debt Consol 5/1 ARM (price same as Niche Jumbo 5/1)

0.250 0.250 0.250 0.250 0.250 *Niche Jumbo Texas HE 30 Yr Fixed (price same as Niche Jumbo 30)

0.375 0.375 0.375 0.375 1.000 Maximum Rebate/Price Cap0.250 0.250 0.250 0.375 0.500 (Price cap is after all LLPAs but before Lender Paid Comp)

0.125 0.125 0.125 0.125 0.125 *Niche Jumbo 30 Yr Fixed 103.500

N/A N/A N/A 0.500 0.500 *Niche Jumbo 5/1 ARM 103.500


0-65% 65.01-70% 70.01-75% 75.01-80% 80.01-85%

0.250 0.250 0.250 0.250 0.250

0.375 0.375 0.375 0.375 N/A

0.125 0.125 0.125 0.125 0.125

0-65% 65.01-70% 70.01-75% 75.01-80% 80.01-85%

-0.875 -0.750 -0.625 -0.500 0.000

-0.750 -0.625 -0.500 -0.375 0.125

-0.625 -0.500 -0.375 -0.250 0.250

-0.375 -0.250 -0.125 0.000 0.375

-0.250 -0.125 0.000 0.125 0.500

0.000 0.125 0.250 0.375 0.750

0.250 0.375 0.500 0.625 1.125

0.500 0.625 0.750 1.000 N/A


0-65% 65.01-70% 70.01-75% 75.01-80% 80.01-85%

-0.375 -0.375 -0.375 -0.375 -0.500

-0.250 -0.250 -0.250 -0.250 -0.375

0.250 0.250 0.250 0.250 -0.250

1.000 1.000 1.000 1.000 -0.250 *Alt Access Debt Consol 30 Yr Fixed (price same as Alt Access 30)

1.000 1.000 1.000 1.000 -0.250 *Alt Access Debt Consol 5/1 ARM (price same as Alt Access 5/1)

0.375 0.375 0.375 0.375 -0.250 *Alt Access Texas HE 30 Yr Fixed (price same as Alt Access 30)

0.250 0.250 0.250 0.250 -0.250

0.125 0.125 0.125 0.125 -0.250 (Price cap is after all LLPAs but before Lender Paid Comp)

-0.375 -0.375 -0.375 -0.375 -0.375 *Alternative Access 30 Yr Fixed 103.500

-0.125 -0.125 -0.125 -0.125 -0.125 *Alternative Access 5/1 ARM 103.500


0-65% 65.01-70% 70.01-75% 75.01-80% 80.01-85%

0.250 0.250 0.250 0.250 0.250

0.375 0.375 0.375 0.375 N/A

0.125 0.125 0.125 0.125 0.125

0-65% 65.01-70% 70.01-75% 75.01-80% 80.01-85%

-0.750 -0.625 -0.500 -0.375 0.125

-0.625 -0.500 -0.375 -0.250 0.250

-0.375 -0.250 -0.125 0.000 0.375

-0.250 -0.125 0.000 0.125 0.500

0.000 0.125 0.250 0.375 0.625

0.250 0.375 0.500 0.625 N/A

0.500 0.625 N/A N/A N/A

0.750 0.875 N/A N/A N/A


0-65% 65.01-70% 70.01-75% 75.01-80% 80.01-85%

-0.375 -0.375 0.375 -0.500 -0.500

-0.125 -0.125 -0.125 -0.250 -1.000 *Non-Prime Advtg Debt Consol 30 Yr Fixed (price same as Non-Prime Advtg 30)

1.000 0.750 0.750 -0.250 -1.000 *Non-Prime Advtg Debt Consol 5/1 ARM (price same as Non-Prime Advtg 5/1)

1.000 0.750 0.750 -0.250 -1.000 *Non-Prime Advtg Texas HE 30 Yr Fixed (price same as Non-Prime Advtg 30)

1.000 0.750 0.750 -0.250 -1.000

0.250 0.250 0.250 -0.250 -1.000 (Price cap is after all LLPAs but before Lender Paid Comp)

-0.375 -0.375 -0.375 -0.375 -0.500 *Non-Prime Advantage 30 Yr Fixed 103.500

-0.125 -0.125 -0.125 -0.125 -0.250 *Non-Prime Advantage 5/1 ARM 103.500Rate Sheet: WHLS-1000

*Condo N/A

*Ln Amt $600k-$849,999 N/A Maximum Rebate/Price Cap*Ln Amt >=$850k N/A

*Refinance N/A

*Ln Amt $200k-$349,999 N/A

*Ln Amt $350k-$449,999 N/A

*Ln Amt $450k-$599,999 N/A

LTV (%)

Misc Adjustments >85%

*Ln Amt $100k-$199,999 N/A

*600-619 FICO N/A

*580-599 FICO N/A

*660-679 FICO N/A

*640-659 FICO N/A

*620-639 FICO N/A

*720+ FICO N/A

*700-719 FICO N/A

*680-699 FICO N/A

LTV (%)

FICO Score Adjustments >85%

*Second Home N/A

*Cash-Out (Except Debt Consol) N/A

*2-4 Units N/A

LTV (%)Misc Adjustments >85%

*Condo -0.250

Niche Non-Prime Advantage Rate/Price Adjustments

*Ln Amt $850k-$999,999 -0.625 Maximum Rebate/Price Cap*Ln Amt >=$1MM -0.625

*Refiannace -0.500

*Ln Amt $350k-$449,999 -0.625

*Ln Amt $450k-$599,999 -0.625

*Ln Amt $600k-$849,999 -0.625

*Ln Amt $100k-$149,999 -0.625

*Ln Amt $150k-$199,999 -0.625

*Ln Amt $200k-$349,999 -0.625

LTV (%)Misc Adjustments >85%

*620-639 FICO N/A

*610-619 FICO N/A

*680-699 FICO 0.625

*660-679 FICO 0.875

*640-659 FICO N/A

*740+ FICO 0.250

*720-739 FICO 0.375

*700-719 FICO 0.500

LTV (%)

FICO Score Adjustments >85%

*Second Home 0.250

*Cash-Out (Except Debt Consol) N/A

*2-4 Units 0.125

LTV (%)

Misc Adjustments >85%

*Ln Amt $1,500,000-1,999,999

*Ln Amt $>=2,000,000

*Refiannce

*Condo

*>80% LTV and <700 Fico

Niche Alternative Access Rate/Price Adjustments

*Ln Amt $100K-$199,999

*Ln Amt $200K-$299,999

*Ln Amt $300K-$599,999

*Ln Amt $600K-$799,999

*Ln Amt $800K-$999,999

*Ln Amt $1mm-$1,499,999

*680-699 FICO

*660-679 FICO

*650-659 FICO

LTV (%)

Misc Adjustments

LTV (%)

FICO Score Adjustments

*740+ FICO

*720-739 FICO

*700-719 FICO


NICHE/NON-PRIME PRICE ADJUSTMENTS

NICHE/NON-PRIME

Niche Jumbo Rate/Price Adjustments

LTV (%)

Misc Adjustments

*Asset Depletion, RSU Income

Page 14

7:30AM

30 Yr Fixed 20 Yr Fixed 15/10 Yr FixedRate 30 45 Rate 30 45 Rate 30 45

8.125% (3.974) (3.724) 7.750% (3.974) (3.724) 7.750% (5.049) (4.799)

8.000% (3.724) (3.474) 7.625% (3.724) (3.474) 7.625% (4.675) (4.425)

7.875% (3.474) (3.224) 7.500% (3.474) (3.224) 7.500% (4.301) (4.051)

7.750% (3.209) (2.959) 7.375% (3.209) (2.959) 7.375% (3.927) (3.677)

7.625% (2.912) (2.662) 7.250% (2.912) (2.662) 7.250% (3.553) (3.303)

7.500% (2.570) (2.320) 7.125% (2.570) (2.320) 7.125% (3.179) (2.929)

7.375% (2.195) (1.945) 7.000% (2.195) (1.945) 7.000% (2.805) (2.555)

7.250% (1.790) (1.540) 6.875% (1.790) (1.540) 6.875% (2.431) (2.181)

7.125% (1.352) (1.102) 6.750% (1.352) (1.102) 6.750% (2.029) (1.779)

7.000% (0.915) (0.665) 6.625% (0.915) (0.665) 6.625% (1.592) (1.342)

6.875% (0.462) (0.212) 6.500% (0.462) (0.212) 6.500% (1.122) (0.872)

6.750% 0.021 0.271 6.375% 0.021 0.271 6.375% (0.623) (0.373)

6.625% 0.521 0.771 6.250% 0.521 0.771 6.250% (0.100) 0.150

Applicable to All

* Closed-End Second 102.50

FICO <=60.00% 60.01-65% 70.01-75% 75.01-80% 85.01-90% 90.01-95% (Price cap is before Lender Paid Comp)

>=760 -0.750 -0.750 -0.500 -0.375 0.375 1.000

740-759 0.000 0.000 0.250 0.500 1.250 2.000 * Closed-End Second 98.00

720-739 0.000 0.000 0.250 0.500 1.250 2.000700-719 0.875 0.875 1.000 1.250 n/a n/a

680-699 0.875 0.875 1.000 1.250 n/a n/a * Closed-End Second 10.00%

* Closed-End Second 4.00%

FICO <=60.00% 60.01-65% 70.01-75% 75.01-80% 85.01-90% 90.01-95%

>=760 0.000 0.000 -0.125 -0.250 -0.375 -0.375

740-759 0.000 0.000 -0.125 -0.250 -0.375 -0.375

720-739 0.000 0.000 -0.125 -0.250 -0.375 -0.375

700-719 0.000 0.000 -0.125 -0.250 n/a n/a

680-699 0.000 0.000 -0.125 -0.250 n/a n/a

<=60.00% 60.01-65% 70.01-75% 75.01-80% 85.01-90% 90.01-95%

2nd Home 0.000 0.000 0.250 0.375 n/a n/a

2-4 Units 0.000 0.125 0.250 0.250 n/a n/a

Condo 0.000 0.000 0.125 0.125 0.250 0.250

Rate Sheet: WHLS-1000

0.125 0.500

0.000 0.250

OTHER Rate AdjustmentsCLTV (%)

65.01-70% 80.01-85%

0.125 0.500

-0.125 -0.250

-0.125 -0.250

-0.125 -0.250

DTI < 25% Rate Adjustments Min Interest Rate/Rate Cap:CLTV (%)

65.01-70% 80.01-85%

-0.125 -0.250 *If using a PRMG Closed End second,

the PRMG 1st Lien will be subject to a

LLPA that will be manually added by

Secondary and will be: 0.300 to the

price.

-0.125 -0.250

0.000 0.7500.875 1.625 Max Interest Rate/Rate Cap:0.875 1.625

65.01-70% 80.01-85%

-0.750 -0.125 Min Cost/Price Cap:0.000 0.750



CLOSED-END SECOND

SECOND LIENS

CLOSED-END SECOND RATE ADJUSTMENTSApplicable to All

FICO - CLTV Rate Adjustments Max Rebate/Price Cap:CLTV (%)

Documents

Base Pricing Assumes Borrower Paid Compensation … · Agency No MI) Base Pricing Assumes Borrower Paid Compensation AGENCY