Base Pricing Assumes Borrower Paid Compensation · PRMG FHA VA Lender IDs Applicable to only Govt & Conv-Conf Fixed Loan Programs. Contact Secondary for fees on all other programs

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

Agency Portfolio/Agency Portfolio No MI Pg.6

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

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 DatesDown Payment Protection Pg.9 Last day to fund GOVT loans with 4/1 payment 03/06/20

Ruby Jumbo Pg.10 Last day to fund CONV loans with 4/1 payment 03/10/20

Diamond Jumbo Pg.10 Last day to DISCLOSE Streamlines for March Funding 03/17/20

Platinum Jumbo Pg.10 Last day to fund Streamlines for March Funding 03/31/20

Diamond Price Adjustments Pg.11 Last day to Draw Docs with April 1st Payment 03/01/20

Platinum Price Adjustments Pg.12Expanded Access Pg.13 Lock Desk InfoHybrid Conforming and Jumbo Pg.14 Lock Cut-off (Govt & Agency Fixed Programs) 5:00 pm PST

Investor Solution Pg.15 Lock Cut-off (All ARMs & All Jumbo Programs) 3:30 pm PST

Lock Online (available till 5:00 pm PST) http://tpo.prmg.net/

Email Link to Manual Lock Form;

www.eprmg.net/PRMG%20Manual%20Lock%20Request%20Form%20(Editable).pdf

Secondary Fax 951-278-5633Lender Fees Extensions & Re-Locks [email protected]

Underwriting Fee - Borrower Paid Transactions $990.00Underwriting Fee - Lender Paid Transactions $990.00

FHA Streamlines/VA IRRRLs $490.00 http://www.eprmg.net/ResourceCenter/PoliciesProceduresInformation/PRMGFHAandVALenderIDs.pdf

*NO Fee Option (Use No Fee Calculator to determine fee in bps)

www.eprmg.net/NoFeeCalculator.xls Lock Expiration Dates15 Days 04/02/20

Mortgagee Clause 30 Days 04/17/20

Paramount Residential Mortgage Group, INC. 45 Days 05/02/20

Its Successors and/or Assigns 60 Days 05/17/20

1265 Corona Pointe Court Ste. 301Corona, California 92879 Lock Extension Policy

1-5 Days 0.125Approved States 6-10 Days 0.250

Alaska Missouri 11-15 Days 0.375

Alabama Montana 16-20 Days 0.500

Arizona New Hampshire 21-25 Days 0.625

Arkansas New Jersey 26-30 Days 0.750

California New MexicoColorado Nebraska Extended Rate Lock TermsConnecticut Nevada 45 Days .100 in fee

Delaware North Carolina 60 Days .300 in fee

District of Columbia North Dakota 75 Days .450 in fee

Florida Ohio 90 Days .600 in fee

Georgia Oklahoma 120 Days 1.000 in fee

Hawaii Oregon The above fees are applied to the 30 day price.

Idaho Pennsylvania

Indiana Rhode Island

Illinois South CarolinaIowa South Dakota Market UpdateKansas Tennessee 1 Yr Libor 0.862

Kentucky Texas 1 Yr T-Bill 0.170

Louisiana Utah 6 Mo Libor 0.913

Maine Vermont Prime Rate 3.250

Maryland Virginia 10 Yr Bond 1.100

Massachusetts Washington 30 Yr Bond 1.710

Michigan West VirginiaMinnesota Wisconsin Average Prime Offer RatesMississippi 30/40 Yr Fixed 3.420

15/20 Yr Fixed 2.870

PRMG Website 10 Yr Fixed 3.180

FT360 http://tpo.prmg.net/ 1/1 ARM 3.120

3/1 ARM 3.120

Scenario Pricer 5/1 ARM 3.100

For On-line Rate/Price quotes, log on to our Scenario 7/1 ARM 3.140

Pricer at: http://tpo.prmg.net/ 10/1 ARM 3.150

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-1002

PRMG FHA VA Lender IDs

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

Contact Secondary for fees on all other programs.

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

1:29PM 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 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

5.125% (2.123) (1.923) 4.750% (1.849) (1.649) 4.250% (2.452) (2.252) 4.750% (0.790) (0.590)

5.000% (1.952) (1.752) 4.625% (1.503) (1.303) 4.125% (2.181) (1.981) 4.625% (0.693) (0.493)

4.990% (1.872) (1.672) 4.500% (1.344) (1.144) 4.000% (1.874) (1.674) 4.500% (0.458) (0.258)

4.875% (1.923) (1.723) 4.375% (1.795) (1.595) 3.875% (1.491) (1.291) 4.490% (0.378) (0.178)

4.750% (1.599) (1.399) 4.250% (1.489) (1.289) 3.750% (1.207) (1.007) 4.375% (0.201) (0.001)

4.625% (1.276) (1.076) 4.125% (1.519) (1.319) 3.625% (0.753) (0.553) 4.250% 0.143 0.343

4.500% (1.325) (1.125) 4.000% (1.229) (1.029) 3.500% (1.229) (1.029) 4.125% (0.863) (0.663)

4.375% (0.988) (0.788) 3.875% (0.860) (0.660) 3.375% (0.882) (0.682) 4.000% (0.339) (0.139)

4.250% (0.656) (0.456) 3.750% (0.686) (0.486) 3.250% (0.544) (0.344) 3.875% (0.259) (0.059)

4.125% (0.959) (0.759) 3.625% (0.116) 0.084 3.125% (0.035) 0.165 3.750% 0.442 0.642

4.000% (0.667) (0.467) 3.500% 0.188 0.388 3.000% 0.279 0.479 3.625% 0.052 0.252

3.990% (0.587) (0.387) 3.375% 0.561 0.761 2.875% 0.605 0.805 3.500% 0.310 0.510

3.875% (0.325) (0.125) 3.250% 1.047 1.247 2.750% 0.976 1.176 3.375% 0.676 0.876

3.750% 0.117 0.317 3.125% 1.772 1.972 2.625% 1.795 1.995 3.250% 1.786 1.986

3.625% 0.023 0.223 3.000% 2.490 2.690 2.500% 2.274 2.474 3.125% 2.524 2.724

3.500% 0.426 0.626 2.875% 3.305 3.505 2.375% 2.962 3.162 3.000% 3.232 3.432

3.375% 0.885 1.085 2.750% 4.607 4.807 2.250% 3.495 3.695 2.875% 3.991 4.191

3.250% 1.380 1.580 2.750% 5.296 5.496

3.125% 2.284 2.484

3.000% 3.071 3.271

2.875% 3.892 4.092

2.750% 4.746 4.946

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

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

4.000% (1.644) (1.444) 4.375% (2.674) (2.424) 4.500% (3.275) (3.025) 4.625% (2.668) (2.418)

3.875% (1.192) (0.992) 4.250% (2.700) (2.450) 4.375% (3.299) (3.049) 4.500% (2.790) (2.540)

3.750% (1.015) (0.815) 4.125% (1.663) (1.413) 4.250% (3.261) (3.011) 4.375% (1.318) (1.068)

3.625% (0.848) (0.648) 4.000% (1.626) (1.376) 4.125% (1.669) (1.419) 4.250% (1.345) (1.095)

3.500% (1.208) (1.008) 3.875% (1.815) (1.565) 4.000% (1.563) (1.313) 4.125% (1.060) (0.810)

3.375% (1.069) (0.869) 3.750% (1.645) (1.395) 3.875% (1.952) (1.702) 4.000% (1.105) (0.855)

3.250% (0.821) (0.621) 3.625% (1.583) (1.333) 3.750% (1.738) (1.488) 3.875% (1.656) (1.406)

3.125% (0.131) 0.069 3.500% (1.352) (1.102) 3.625% (1.774) (1.524) 3.750% (1.562) (1.312)

3.000% 0.245 0.445 3.375% (1.301) (1.051) 3.500% (1.477) (1.227) 3.625% (0.149) 0.101

2.875% 0.636 0.836 3.250% (1.022) (0.772) 3.375% (0.683) (0.433) 3.500% 0.006 0.256

2.750% 0.951 1.151 3.125% (0.394) (0.144) 3.250% (0.456) (0.206) 3.375% 0.151 0.401

2.625% 1.739 1.939 3.000% (1.081) (0.831) 3.125% (0.223) 0.027 3.250% 0.406 0.656

2.500% 2.162 2.362

Agency/Agency No MI Agency/Agency No MI Agency/Agency No MI

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

4.500% (2.431) (2.231) 4.125% (1.605) (1.355) 4.000% (1.588) (1.338)

4.375% (1.551) (1.351) 4.000% (1.493) (1.243) 3.875% (1.456) (1.206)

4.250% (1.233) (1.033) 3.875% (1.381) (1.131) 3.750% (1.326) (1.076)

4.125% (0.794) (0.594) 3.750% (1.269) (1.019) 3.625% (1.184) (0.934)

4.000% (0.512) (0.312) 3.625% (1.146) (0.896) 3.500% (0.947) (0.697)

3.875% (0.095) 0.105 3.500% (0.946) (0.696) 3.375% (0.711) (0.461)

3.750% (0.237) (0.037) 3.375% (0.748) (0.498) 3.250% (0.479) (0.229)

3.625% (0.017) 0.183 3.250% (0.553) (0.303) 3.125% (0.240) 0.010

3.500% 0.244 0.444 3.125% (0.348) (0.098) 3.000% (0.919) (0.669)

3.375% 0.618 0.818 3.000% (0.061) 0.189 2.875% (0.593) (0.343)

3.250% 1.003 1.203 2.875% 0.171 0.421 2.750% (0.267) (0.017)

3.125% 1.341 1.541 2.750% (1.214) (0.964) 2.625% 0.832 1.082

3.000% 1.670 1.870


4.750% (1.599) (1.399) 4.500% (2.965) (2.765)

4.625% (1.276) (1.076) 4.375% (2.355) (2.155)

4.500% (1.325) (1.125) 4.250% (2.452) (2.252)

4.375% (0.988) (0.788) 4.125% (2.181) (1.981)

4.250% (0.656) (0.456) 4.000% (1.874) (1.674)

4.125% (0.959) (0.759) 3.875% (1.491) (1.291)

4.000% (0.667) (0.467) 3.750% (1.207) (1.007)

3.875% (0.325) (0.125) 3.625% (0.753) (0.553)

3.750% 0.117 0.317 3.500% (1.229) (1.029)

3.625% 0.023 0.223 3.375% (0.882) (0.682)

3.500% 0.426 0.626 3.250% (0.544) (0.344)

3.375% 0.885 1.085 3.125% (0.035) 0.165

3.250% 1.380 1.580 3.000% 0.279 0.479

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

4.375% (0.749) (0.549) 3.375% 2.947 3.197

4.250% (0.291) (0.091) 3.250% 3.275 3.525

4.125% (0.273) (0.073) 3.125% 3.216 3.466

4.000% (0.380) (0.180) 3.000% 3.588 3.838

3.990% (0.300) (0.100) 2.875% 3.974 4.224

3.875% 0.028 0.228 2.750% 4.360 4.610

3.750% 0.447 0.647 2.625% 4.746 4.996

3.625% 0.340 0.540 2.500% 5.120 5.370

3.500% 0.756 0.956 2.375% 5.496 5.746

3.375% 1.193 1.393 2.250% 5.846 6.096

3.250% 1.659 1.859 #REF! #REF! #REF!

3.125% 2.401 2.601 #REF! #REF! #REF!

3.000% 3.186 3.386


FNMA HOMEREADY

2.25 Margin, 2/2/5 Caps

High Balance 7/1 ARM

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

Agency TX Home Eq 30/25 Agency TX Home Eq 15


Wednesday, March 18, 2020

FNMA/FHLMC

AG

EN

CY

High Balance 30

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

High Balance 15/10 High Balance 5/1 ARM

Page 2

1:29PM

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

** Loans $245k-$294,999 (Agency Fxd,Agency No MI Fxd, HomeReady Fxd, TX Home Equity Fxd 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 Fxd,Agency No MI Fxd, HomeReady Fxd, TX Home Equity Fxd 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 (Except;Super Conf) 1.000 620-639 0.500 1.500 3.000 3.000 3.250 3.250 3.250 3.500* 3-4 Units & LTV up to 80% (Super Conf only) 1.000

* 3-4 Units & LTV 80.01-85% (Super Conf only) 1.500 Credit Score (In addition to all other adj)

* 3-4 Units & LTV 85.01-limit (Super Conf only) 2.000 ** Fico Scores > = 740 (Agency Fxd,Agency No MI Fxd, HomeReady Fxd, TX Home Equity Fxd only) -0.100

* Attached Condo >75% LTV (applicable only to terms >15 yrs) 0.750 ** Fico Scores > = 700 (Agency High Balance & Agency High Bal No MI Fixed only) -0.100

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 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 LTV 75.01% to 80% (Except Super Conf) 3.375 <=65% & FICO <720 0.375 0.375 0.875 0.875 0.875 1.875

* N/O/O LTV 75.01% to 80% (Super Conf only) 3.375 <=65% & FICO >=720 0.375 0.375 0.625 0.625 0.625 1.875

* N/O/O LTV 80.01% to 85% 4.125 65.01-75% & FICO <720 0.375 0.375 1.125 1.125 1.125 1.875

* Second Home >85% LTV 0.250 0.375 0.375 0.875 0.875 0.875 1.875

Miscellaneous N/A 1.375 1.375 1.375 1.375 1.875

** Purchase Bonus (Agency Std & High Bal Fixed & Agency Std & High Bal No MI Fixed, HomeReady Fixed only) -0.600 N/A 1.125 1.125 1.125 1.125 1.875

** Escrow Waiver (CA Only) 0.000 Cash-out (Except TX Home Equity)

** Escrow Waiver (all other states) 0.000

* 7-10 Financed Properties (Applicable to N/O/O & 2nd home only) 0.250 FICO <=60.00% 60.01-70.00% 70.01-75.00% 75.01-80.00% 80.01-85.00%

* ARMs w/LTV 90.01-95% 0.250 >=740 0.375 0.625 0.625 0.875 n/a

** Down Payment Protection Feature (refer to Down Payment Protection Tab). 720-739 0.375 1.000 1.000 1.125 n/a

700-719 0.375 1.000 1.000 1.125 n/a

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/a* Purchase & Rate/Term Refi 0.250 Cash-out and Rate&Term (TX Home Equity only)

* Cash-out Refinance 1.000

* High Balance ARM <= 75% LTV 0.750 FICO <=60.00% 60.01-70.00% 70.01-75.00% 75.01-80.00%

* High Balance ARM > 75% LTV 1.500 >=740 0.375 0.625 0.625 0.875

** Agency High Bal & Agency High Bal No MI Fixed w/LTV <=80% -0.100 720-739 0.375 1.000 1.000 1.125

700-719 0.375 1.000 1.000 1.125

680-699 0.375 1.125 1.125 1.750

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)

(Agency No MI & Agency High Bal No MI)

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

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

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

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

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

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

700-719 0.920 1.290 2.710 700-719 0.700 700-719 0.550 700-719 0.000

680-699 0.940 1.290 2.710 680-699 0.700 680-699 0.550 680-699 0.120

660-679 1.100 1.420 3.790 660-679 1.230 660-679 1.050 660-679 0.120

640-659 1.100 1.560 3.990 640-659 1.230 640-659 1.050 640-659 0.130

620-639 1.100 1.850 4.590 620-639 1.300 620-639 1.100 620-639 0.170

FICO

>=800 0.240

780-799 0.240

760-779 0.240

740-759 0.240

720-739 0.350

700-719 0.420

680-699 0.550

660-679 0.690

640-659 0.830

620-639 0.920

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)


>=800 0.310 0.670 1.010 >=800 0.000 >=800 0.000 >=800 0.240

780-799 0.310 0.680 1.040 780-799 0.000 780-799 0.000 780-799 0.240

760-779 0.310 0.720 1.050 760-779 0.000 760-779 0.000 760-779 0.240

740-759 0.330 0.860 1.430 740-759 0.000 740-759 0.000 740-759 0.240

720-739 0.890 1.220 1.890 720-739 0.000 720-739 0.000 720-739 0.350

700-719 0.920 1.290 2.710 700-719 0.550 700-719 0.000 700-719 0.420

680-699 0.940 1.290 2.710 680-699 0.550 680-699 0.120 680-699 0.550

660-679 1.100 1.420 3.790 660-679 1.050 660-679 0.120 660-679 0.690

640-659 1.100 1.560 3.990 640-659 1.050 640-659 0.130 640-659 0.830

620-639 1.100 1.850 4.590 620-639 1.100 620-639 0.170 620-639 0.920

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 105.000

All ARM Rates 103.750


4.850

5.090

HomeReady LLPA Caps

Maximum Rebate/Price Cap

1.790

2.530

2.530

2.890

2.890

4.650

95.01-97%

1.420

1.790

Applicable to R&T Refi's Applicable to One Borrower Applicable to DTI >45%LTV (%) (HomeReady No MI only) (HomeReady No MI only) (HomeReady No MI only)

2.550

3.200

3.210

5.050

5.250

5.550

95.01-97%

1.750

1.900

1.950

2.490

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 >$510,400LTV (%) LTV (%) (HomeReady No MI only)

7.050

Applicable to DTI >45%(Agency No MI & Agency High Bal No MI)

2.640

2.960

3.620

3.640

6.490

6.740

95.01-97%

1.550

1.830

1.840

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

3.100

3.900

3.960

6.900

7.090

7.450

95.01-97%

1.880

2.050

2.050

2.850

LTV (%)

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 >$510,400LTV (%) 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 (%)

Applicable to Agency High Bal

(In addition to all other adj)


Wednesday, March 18, 2020 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

AG

EN

CY

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

Agency No MI High Balance, Fannie Mae HomeReady, FHLMC HomeOne

Applicable to All

LTV (%)

CLTV (%)

1:29PM 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


4.500% (1.340) (1.140) 4.750% (2.005) (1.805) 4.500% (2.989) (2.789) 4.500% (2.942) (2.742)

4.375% (0.999) (0.799) 4.625% (1.584) (1.384) 4.375% (2.170) (1.970) 4.375% (2.118) (1.918)

4.250% (0.541) (0.341) 4.500% (1.501) (1.301) 4.250% (2.336) (2.136) 4.250% (1.958) (1.758)

4.125% (0.764) (0.564) 4.375% (1.234) (1.034) 4.125% (2.065) (1.865) 4.125% (1.723) (1.523)

4.000% (0.591) (0.391) 4.250% (0.783) (0.583) 4.000% (1.758) (1.558) 4.000% (1.392) (1.192)

3.875% (0.124) 0.076 4.125% (1.519) (1.319) 3.875% (1.375) (1.175) 3.875% (1.076) (0.876)

3.750% 0.197 0.397 4.000% (1.229) (1.029) 3.750% (1.091) (0.891) 3.750% (0.789) (0.589)

3.625% 0.023 0.223 3.875% (0.800) (0.600) 3.625% (0.764) (0.564) 3.625% (0.871) (0.671)

3.500% 0.426 0.626 3.750% (0.423) (0.223) 3.500% (1.113) (0.913) 3.500% (1.091) (0.891)

3.375% 0.885 1.085 3.625% (0.116) 0.084 3.375% (0.765) (0.565) 3.375% (0.788) (0.588)

3.250% 1.380 1.580 3.500% 0.188 0.388 3.250% (0.428) (0.228) 3.250% (0.497) (0.297)

3.125% 2.471 2.671 3.375% 0.561 0.761 3.125% 0.082 0.282 3.125% 0.022 0.222

3.000% 3.199 3.399 3.250% 1.047 1.247 3.000% 0.395 0.595 3.000% 0.441 0.641

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

4.750% 0.633 0.883 4.750% 0.588 0.838 4.875% (0.792) (0.542) 4.375% (0.190) 0.010

4.625% 0.851 1.101 4.625% 0.129 0.379 4.750% (0.436) (0.186) 4.250% 0.154 0.354

4.500% 0.945 1.195 4.500% 0.109 0.359 4.625% 0.144 0.394 4.125% (0.852) (0.652)

4.375% 1.038 1.288 4.375% 0.088 0.338 4.500% 0.384 0.634 4.000% (0.328) (0.128)

4.250% 1.197 1.447 4.250% 0.355 0.605 4.375% 0.624 0.874 3.875% (0.248) (0.048)

4.125% 1.398 1.648 4.125% 0.816 1.066 4.250% 0.686 0.936 3.750% 0.453 0.653

4.000% (1.287) (1.037) 4.000% (1.220) (0.970) 4.125% 0.662 0.912 3.625% 0.063 0.263

3.875% (0.999) (0.749) 3.875% (0.846) (0.596) 4.000% (0.648) (0.398) 3.500% 0.321 0.521

3.750% (0.930) (0.680) 3.750% (0.684) (0.434) 3.875% (0.481) (0.231) 3.375% 0.687 0.887

3.625% (0.839) (0.589) 3.625% (0.517) (0.267) 3.750% (0.290) (0.040) 3.250% 1.798 1.998

3.500% (0.707) (0.457) 3.500% (0.401) (0.151) 3.625% (0.107) 0.143 3.125% 2.535 2.735

3.375% (0.579) (0.329) 3.375% (0.275) (0.025) 3.500% 0.023 0.273 3.000% 3.243 3.443

2.875% 4.002 4.202

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

4.500% (0.458) (0.258) 4.500% (1.352) (1.152) 4.375% 1.490 1.740 4.500% 0.573 0.823

4.490% (0.378) (0.178) 4.375% (0.533) (0.333) 4.250% 1.652 1.902 4.375% 0.554 0.804

4.375% (0.201) (0.001) 4.250% (1.764) (1.564) 4.125% 1.855 2.105 4.250% 0.822 1.072

4.250% 0.143 0.343 4.125% (1.540) (1.340) 4.000% 1.992 2.242 4.125% 1.315 1.565

4.125% (0.863) (0.663) 4.000% (1.222) (1.022) 3.875% 2.129 2.379 4.000% 1.478 1.728

4.000% (0.339) (0.139) 3.875% (0.721) (0.521) 3.750% 2.327 2.577 3.875% 1.642 1.892

3.875% (0.259) (0.059) 3.750% (0.345) (0.145) 3.625% 2.568 2.818 3.750% 1.952 2.202

3.750% 0.442 0.642 3.625% (0.081) 0.119 3.500% 2.737 2.987 3.625% 2.693 2.943

3.625% 0.052 0.252 3.500% (0.225) (0.025) 3.375% 2.909 3.159 3.500% 2.806 3.056

3.500% 0.310 0.510 3.375% 0.088 0.288 3.250% 2.959 3.209 3.375% 3.050 3.300

3.375% 0.676 0.876 3.250% 0.349 0.549 3.125% 2.953 3.203 3.250% 3.291 3.541

3.250% 1.836 2.036 3.125% 0.680 0.880 3.000% 3.055 3.305

3.125% 2.574 2.774 3.000% 1.064 1.264

Rate 15 30

4.625% (0.943) (0.743)

4.500% (0.677) (0.477)

4.375% (0.337) (0.137)

4.250% 0.059 0.259

4.125% (0.050) 0.150

4.000% (0.380) (0.180)

3.990% (0.300) (0.100)

3.875% 0.028 0.228

3.750% 0.469 0.669

3.625% 0.340 0.540

3.500% 0.643 0.843

3.375% 1.082 1.282

3.250% 1.475 1.675


Home Possible No MI 30


FHLMC HOMEPOSSIBLEHome Possible 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, March 18, 2020

FHLMC

AG

EN

CY

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

1:29PM

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 ** Fico Scores > = 700 (FHLMC Super Conf Fixed only) -0.100

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% 95.01-97.00%

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

* N/O/O LTV 75.01% to 80% (Super Conf only) 3.375 0.375 0.375 0.625 0.625 0.625 1.875

* N/O/O LTV 80.01% to 85% 4.125 0.375 0.375 1.125 1.125 1.125 1.875

* Second Home w/LTV >85% 0.250 0.375 0.375 0.875 0.875 0.875 1.875

Miscellaneous N/A 1.375 1.375 1.375 1.375 1.875

** Purchase Bonus (Agency LP Fixed,Agency LP No MI,FHLMC Super Conf Fixed,HomePossible Fixed only) -0.600 N/A 1.125 1.125 1.125 1.125 1.875

** Escrow Waiver 0.000 0.500 0.500 0.500 0.500 0.500 0.500

** 7-10 Financed Properties (Applicable to N/O/O & 2nd home only) 0.250

** ARM's >90% LTV (except FHLMC Super Conf) 0.250 Cash-out** Down Payment Protection Feature (refer to Down Payment Protection Tab).

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

* Purchase & Rate/Term Refi 0.250 >=740 0.375 0.625 0.625 0.875

* Cash-out Refinance 1.000 720-739 0.375 1.000 1.000 1.125

* High Balance ARM Purch, R/T, Cash-out <=75% LTV 0.750 700-719 0.375 1.000 1.000 1.125

* High Balance ARM Purch, R/T, Cash-out >75%-90% LTV 1.500 680-699 0.375 1.125 1.125 1.750* High Balance ARM Purch, R/T >90% LTV 1.750 660-679 0.625 1.125 1.125 1.875

* Fico Scores 680-739 0.125 640-659 1.500 2.250 2.250 3.250

* Fico Scores 620-679 0.250 620-639 1.500 2.250 2.250 3.750** FHLMC Super Conforming Fixed w/LTV <=80% -0.100

HomePossible LLPA Caps

LTV >80% & Fico >=680 0.000

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)

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 LP No MI & FHLMC Sup Conf No MI)


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

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

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

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

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

700-719 0.920 1.290 2.710 700-719 0.700 700-719 0.550 700-719 0.000

680-699 0.940 1.290 2.710 680-699 0.700 680-699 0.550 680-699 0.120

660-679 1.100 1.420 3.790 660-679 1.230 660-679 1.050 660-679 0.120

640-659 1.100 1.560 3.990 640-659 1.230 640-659 1.050 640-659 0.130

620-639 1.100 1.850 4.590 620-639 1.300 620-639 1.100 620-639 0.170

FICO

>=800 0.240

780-799 0.240

760-779 0.240

740-759 0.240

720-739 0.350

700-719 0.420

680-699 0.550

660-679 0.690

640-659 0.830

620-639 0.920

Applicable to 30 Yr Term (HomePossible No MI only)

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

FICO FICO

>=800 0.000 >=800 0.240

780-799 0.000 780-799 0.240

760-779 0.000 760-779 0.240

740-759 0.000 740-759 0.240

720-739 0.000 720-739 0.350

700-719 0.000 700-719 0.420

680-699 0.120 680-699 0.550

660-679 0.120 660-679 0.690

640-659 0.130 640-659 0.830 All Fixed Rates 105.000620-639 0.170 620-639 0.920 All ARM Rates 103.750


(HomePossible No MI only) (HomePossible No MI only)


3.200

3.210

5.050

5.250

5.550

Applicable to One Borrower Applicable to DTI >45%

95.01-97%

1.750

1.900

1.950

2.490

2.550

**Applicable to Lender Paid HomePossible No MI Programs (In addition to all other LLPAs)Applicable to Loan Size >$510,400 Applicable to R&T Refi's

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

3.640

6.490

6.740

7.050Applicable to DTI >45%(Agency LP No MI & FHLMC Sup Conf No MI)

1.550

1.830

1.840

2.640

2.960

3.620

Applicable to One BorrowerLTV (%) (Agency LP No MI & FHLMC Sup Conf No MI) (Agency LP No MI & FHLMC Sup Conf No MI) (Agency LP No MI & FHLMC Sup Conf No MI)

95.01-97%

3.960

6.900

7.090

7.450

Applicable to Second Homes Applicable to R&T Refi's

1.880

2.050

2.050

2.850

3.100

3.900

Applicable to 25 Yr Term (Agency LP No MI) Applicable to Loan Size >$510,400LTV (%) LTV (%) (Agency LP No MI & FHLMC Sup Conf No MI)

95.01-97%

75.01-95% & FICO >=720

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

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

LTV (%)

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)

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

AG

EN

CY

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

Applicable to All

LTV (%)

CLTV (%)

1:29PM


4.750% (1.349) (1.149) 4.750% (1.599) (1.399) 3.750% (0.957) (0.707) 4.125% (1.608) (1.608)

4.625% (1.026) (0.826) 4.625% (1.253) (1.053) 3.625% (0.503) (0.253) 4.000% (1.394) (1.394)

4.500% (1.075) (0.875) 4.500% (1.094) (0.894) 3.500% (0.979) (0.729) 3.875% (0.942) (0.942)

4.375% (0.738) (0.538) 4.375% (1.545) (1.345) 3.375% (0.632) (0.382) 3.750% (0.765) (0.765)

4.250% (0.406) (0.206) 4.250% (1.239) (1.039) 3.250% (0.294) (0.044) 3.625% (0.598) (0.598)

4.125% (0.709) (0.509) 4.125% (1.269) (1.069) 3.125% 0.215 0.465 3.500% (0.958) (0.958)

4.000% (0.417) (0.217) 4.000% (0.979) (0.779) 3.000% 0.529 0.779 3.375% (0.819) (0.819)

3.990% (0.337) (0.137) 3.875% (0.610) (0.410) 2.875% 0.855 1.105 3.250% (0.571) (0.571)

3.875% (0.075) 0.125 3.750% (0.436) (0.236) 2.750% 1.226 1.476 3.125% 0.119 0.119

3.750% 0.367 0.567 3.625% 0.134 0.334 2.625% 2.045 2.295 3.000% 0.495 0.495

3.625% 0.273 0.473 3.500% 0.438 0.638 2.500% 2.524 2.774 2.875% 0.886 0.886

3.500% 0.676 0.876 3.375% 0.811 1.011 2.375% 3.212 3.462 2.750% 1.201 1.201

3.375% 1.135 1.335 3.250% 1.297 1.497 2.250% 3.745 3.995 2.625% 1.989 1.989

3.250% 1.630 1.830

3.125% 2.534 2.734

3.000% 3.321 3.521

2.875% 4.142 4.342

2.750% 4.996 5.196

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

4.750% (3.056) (2.806) 4.750% (3.796) (3.546) 4.750% (0.540) (0.340) 4.250% 0.393 0.593

4.625% (2.259) (2.009) 4.625% (2.989) (2.739) 4.625% (0.443) (0.243) 4.125% (0.613) (0.413)

4.500% (2.336) (2.086) 4.500% (3.025) (2.775) 4.500% (0.208) (0.008) 4.000% (0.089) 0.111

4.375% (2.424) (2.174) 4.375% (3.049) (2.799) 4.375% 0.049 0.249 3.875% (0.009) 0.191

4.250% (2.450) (2.200) 4.250% (3.011) (2.761) 4.250% 0.393 0.593 3.750% 0.692 0.892

4.125% (1.413) (1.163) 4.125% (1.419) (1.169) 4.125% (0.613) (0.413) 3.625% 0.302 0.502

4.000% (1.376) (1.126) 4.000% (1.313) (1.063) 4.000% (0.089) 0.111 3.500% 0.560 0.760

3.875% (1.565) (1.315) 3.875% (1.702) (1.452) 3.875% (0.009) 0.191 3.375% 0.926 1.126

3.750% (1.395) (1.145) 3.750% (1.488) (1.238) 3.750% 0.692 0.892 3.250% 2.036 2.236

3.625% (1.333) (1.083) 3.625% (1.524) (1.274) 3.625% 0.302 0.502 3.125% 2.774 2.974

3.500% (1.102) (0.852) 3.500% (1.227) (0.977) 3.500% 0.560 0.760 3.000% 3.482 3.682

3.375% (1.051) (0.801) 3.375% (0.433) (0.183) 3.375% 0.926 1.126 2.875% 4.241 4.441

3.250% (0.772) (0.522) 3.250% (0.206) 0.044 3.250% 2.036 2.236 2.750% #VALUE! #VALUE!

3.125% 2.774 2.974

3.000% 3.482 3.682

2.875% 4.241 4.441

2.750% 5.546 5.746


4.500% (2.181) (1.981) 4.500% (2.181) (1.931) 4.000% (1.243) (0.993) 4.000% (1.338) (1.088)

4.375% (1.301) (1.101) 4.375% (1.301) (1.051) 3.875% (1.131) (0.881) 3.875% (1.206) (0.956)

4.250% (0.983) (0.783) 4.250% (0.983) (0.733) 3.750% (1.019) (0.769) 3.750% (1.076) (0.826)

4.125% (0.544) (0.344) 4.125% (0.544) (0.294) 3.625% (0.896) (0.646) 3.625% (0.934) (0.684)

4.000% (0.262) (0.062) 4.000% (0.262) (0.012) 3.500% (0.696) (0.446) 3.500% (0.697) (0.447)

3.875% 0.155 0.355 3.875% 0.155 0.405 3.375% (0.498) (0.248) 3.375% (0.461) (0.211)

3.750% 0.013 0.213 3.750% 0.013 0.263 3.250% (0.303) (0.053) 3.250% (0.229) 0.021

3.625% 0.233 0.433 3.625% 0.233 0.483 3.125% (0.098) 0.152 3.125% 0.010 0.260

3.500% 0.494 0.694 3.500% 0.494 0.744 3.000% 0.189 0.439 3.000% (0.669) (0.419)

3.375% 0.868 1.068 3.375% 0.868 1.118 2.875% 0.421 0.671 2.875% (0.343) (0.093)

3.250% 1.253 1.453 3.250% 1.253 1.503 2.750% (0.964) (0.714) 2.750% (0.017) 0.233

3.125% 1.591 1.791 3.125% 1.591 1.841 2.625% (0.685) (0.435) 2.625% 1.082 1.332

3.000% 1.920 2.120 3.000% 1.920 2.170



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 30/25 Yr Fixed 20 Yr Fixed



Agency Portfolio

AG

EN

CY

30/25 Yr Fixed 20 Yr Fixed 15 Yr Fixed 10 Yr FixedPortfolio/Portfolio No MI

Page 6

1:29PM

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 1.000<620 (non-Trad Credit only)0.500 1.500 3.000 3.000 3.250 3.250 3.250 3.750Occupancy* 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 ** Fico Scores > = 700 (Agency DU Portfolio High Bal & Agency DU Portfolio High Bal No MI Fixed only) -0.100* N/O/O 80.01-85% LTV 4.125

* Second Home >85% LTV 0.250Miscellaneous <=75% 75.01-80.00% 80.01-85.00% 85.01-90.00% 90.01-95.00% 95.01-97.01

* Purchase Bonus (Agency DU Portfolio Std Bal & High Bal Fixed & Agency DU Portfolio Std Bal & High Bal No MI Fixed only) -0.600 0.375 0.375 0.875 0.875 0.875 1.875

* Escrow Waiver (CA Only) 0.000 0.375 0.375 0.625 0.625 0.625 1.875

* Escrow Waiver (all other states) 0.000 0.375 0.375 1.125 1.125 1.125 1.875* 7-10 Financed Properties (Applicable to N/O/O & 2nd home only) 0.250 0.375 0.375 0.875 0.875 0.875 1.875

* ARMs w/LTV 90.01-95% 0.250 N/A 1.375 1.375 1.375 1.375 1.875

** Down Payment Protection Feature (refer to Down Payment Protection Tab). N/A 1.125 1.125 1.125 1.125 1.875

FICO <=60.00% 60.01-70.00% 70.01-75.00% 75.01-80.00% 80.01-85.00%

Applicable to High Bal only >=740 0.375 0.625 0.625 0.875 n/a

Loan Purpose 720-739 0.375 1.000 1.000 1.125 n/a

* Purchase & Rate/Term Refi 0.250 700-719 0.375 1.000 1.000 1.125 n/a

* Cash-out Refi 1.000 680-699 0.375 1.125 1.125 1.750 n/a

** Agency DU Portfoilo High Bal Fixed w/LTV <=80% -0.100 660-679 0.875 1.375 1.375 2.125 n/a

Miscellaneous 640-659 1.625 2.625 2.625 3.625 n/a

* High Balance ARM LTV <=75% 0.750 620-639 1.625 2.625 2.625 4.125 n/a

* High Balance ARM LTV >75% 1.500

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 0.500640-659 1.730 3.530 5.120 640-659 1.340 3.140 4.730 6.700 640-659 0.500620-639 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)


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

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

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

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

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

700-719 0.920 1.290 2.710 700-719 0.700 700-719 0.550 700-719 0.000

680-699 0.940 1.290 2.710 680-699 0.700 680-699 0.550 680-699 0.120

660-679 1.100 1.420 3.790 660-679 1.230 660-679 1.050 660-679 0.120640-659 1.100 1.560 3.990 640-659 1.230 640-659 1.050 640-659 0.130620-639 1.100 1.850 4.590 620-639 1.300 620-639 1.100 620-639 0.170

FICO>=800 0.240

780-799 0.240760-779 0.240740-759 0.240

720-739 0.350 Maximum Rebate/Price Cap700-719 0.420 Portfolio Fixed 105.000

680-699 0.550 Portfolio High Balance Fixed 105.000

660-679 0.690 Portfolio No MI Fixed 105.000

640-659 0.830 Portfolio No MI High Balance Fixed 105.000

620-639 0.920 Portfolio ARMs 103.750


6.7407.050

Applicable to DTI >45%(Portfolio No MI & Portfolio High Bal No MI)

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.

1.840

2.640

2.960

3.620

3.640

6.490

95.01-97%

1.550

1.830

Applicable to R&T Refi's Applicable to One BorrowerLTV (%) (Portfolio No MI & Portfolio High Bal No MI) (Portfolio No MI & Portfolio High Bal No MI) (Portfolio No MI & Portfolio High Bal No MI)

3.900

3.960

6.9007.0907.450

Applicable to Second Homes

95.01-97%

1.880

2.050

2.050

2.850

3.100

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 >$510,400LTV (%) LTV (%) (Portfolio No MI & Portfolio High Bal No MI)

65.01-75% & FICO <720

65.01-75% & FICO>=720

75.01-95% & FICO <720

75.01-95% & FICO >=720

Cash-out LTV (%)

Credit Score

Subordinate FinancingCLTV (%)

LTV/FICO

<=65% & FICO <720

<=65% & FICO >=720



PRICE ADJUSTMENTS

AG

EN

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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

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30/25 Yr Fixed 15 Yr Fixed 5/1 ARMRate 15 30 Rate 15 30 Start Rate 15 30 Rate 15 30

5.375% (2.374) (2.174) 4.625% (4.226) (4.026) 4.500% (1.520) (1.270) 4.750% 0.532 0.732

5.250% (2.187) (1.987) 4.500% (3.751) (3.551) 4.375% (1.283) (1.033) 4.625% 0.641 0.841

5.125% (2.413) (2.213) 4.375% (2.619) (2.419) 4.250% (1.039) (0.789) 4.500% 0.721 0.921

5.000% (1.914) (1.714) 4.250% (2.144) (1.944) 4.125% (0.899) (0.649) 4.375% 1.098 1.298

4.990% (1.834) (1.634) 4.125% (2.985) (2.785) 4.000% (0.682) (0.432) 4.250% 0.732 0.932

4.875% (1.622) (1.422) 4.000% (2.507) (2.307) 3.875% (0.426) (0.176) 4.125% (0.479) (0.279)

4.750% (1.146) (0.946) 3.875% (2.518) (2.318) 3.750% (2.117) (1.867) 4.000% (0.313) (0.113)

4.625% (1.943) (1.743) 3.750% (2.207) (2.007) 3.625% (0.898) (0.648) 3.990% (0.233) (0.033)

4.500% (1.888) (1.688) 3.625% (1.764) (1.564) 3.500% (0.656) (0.406) 3.875% (0.111) 0.089

4.375% (1.576) (1.376) 3.500% (1.435) (1.235) 3.375% (0.406) (0.156) 3.750% 0.118 0.318

4.250% (1.697) (1.497) 3.375% (0.929) (0.729) 3.250% (0.139) 0.111 3.625% (0.234) (0.034)

4.125% (1.280) (1.080) 3.250% (0.380) (0.180) 3.500% (0.015) 0.185

4.000% (1.022) (0.822) 3.125% (1.050) (0.850) 3.375% 0.174 0.374

3.990% (0.942) (0.742) 3.250% 0.567 0.767

3.875% (0.576) (0.376) 3.125% 0.625 0.825

3.750% (1.040) (0.840) 3.000% 0.956 1.156

3.625% (1.474) (1.274) 2.875% 1.354 1.554

3.500% (1.221) (1.021) 2.750% 1.816 2.016

3.375% (1.297) (1.097)

3.250% (0.859) (0.659)

3.125% 0.061 0.261

3.000% 0.321 0.521

2.875% 0.558 0.758

2.750% 0.805 1.005

High Balance 5/1 ARMStart Rate 15 30 Rate 15 30 Rate 15 30 Rate 15 30

4.500% (1.541) (1.291) 4.250% (1.572) (1.372) 4.375% (1.294) (1.094) 4.250% 0.857 1.057

4.375% (1.354) (1.104) 4.125% (1.155) (0.955) 4.250% (0.819) (0.619) 4.125% (0.354) (0.154)

4.250% (1.160) (0.910) 4.000% (0.897) (0.697) 4.125% (1.660) (1.460) 4.000% (0.188) 0.012

4.125% (0.862) (0.612) 3.990% (0.817) (0.617) 4.000% (1.182) (0.982) 3.875% 0.014 0.214

4.000% (0.701) (0.451) 3.875% (0.451) (0.251) 3.875% (1.193) (0.993) 3.750% 0.243 0.443

3.875% (0.496) (0.246) 3.750% (0.915) (0.715) 3.750% (0.882) (0.682) 3.625% (0.109) 0.091

3.750% (2.906) (2.656) 3.625% (1.349) (1.149) 3.625% (0.439) (0.239) 3.500% 0.110 0.310

3.625% (1.686) (1.436) 3.500% (1.096) (0.896) 3.500% (0.110) 0.090 3.375% 0.299 0.499

3.500% (1.445) (1.195) 3.375% (1.172) (0.972) 3.375% 0.396 0.596 3.250% 0.692 0.892

3.375% (1.194) (0.944) 3.250% (0.734) (0.534) 3.250% 0.945 1.145 3.125% 0.750 0.950

3.250% (0.928) (0.678) 3.125% 0.186 0.386 3.125% 0.275 0.475 3.000% 1.081 1.281

3.000% 0.446 0.646 2.875% 1.479 1.679

2.875% 0.683 0.883 2.750% 1.941 2.141

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

5.375% (2.374) (2.174) 4.500% (3.236) (2.986) 4.500% (2.805) (2.555) 4.625% 0.941 1.141

5.250% (2.187) (1.987) 4.375% (2.182) (1.932) 4.375% (2.463) (2.213) 4.500% 1.021 1.221

5.125% (2.413) (2.213) 4.250% (2.046) (1.796) 4.250% (2.127) (1.877) 4.375% 1.398 1.598

5.000% (1.914) (1.714) 4.125% (2.396) (2.146) 4.125% (2.737) (2.487) 4.250% 1.032 1.232

4.875% (1.622) (1.422) 4.000% (2.179) (1.929) 4.000% (2.402) (2.152) 4.125% (0.179) 0.021

4.750% (1.146) (0.946) 3.875% (2.064) (1.814) 3.875% (2.072) (1.822) 4.000% (0.013) 0.187

4.625% (1.943) (1.743) 3.750% (1.739) (1.489) 3.750% (2.677) (2.427) 3.875% 0.189 0.389

4.500% (1.888) (1.688) 3.625% (1.233) (0.983) 3.625% (2.059) (1.809) 3.750% 0.418 0.618

4.375% (1.576) (1.376) 3.500% (0.940) (0.690) 3.500% (1.744) (1.494) 3.625% 0.066 0.266

4.250% (1.697) (1.497) 3.375% (0.700) (0.450) 3.375% (1.423) (1.173) 3.500% 0.285 0.485

4.125% (1.280) (1.080) 3.250% (0.432) (0.182) 3.250% (1.093) (0.843) 3.375% 0.474 0.674

4.000% (1.022) (0.822) 3.125% (0.722) (0.472) 3.125% (1.324) (1.074) 3.250% 0.867 1.067

3.875% (0.576) (0.376) 3.000% (0.396) (0.146) 3.000% (1.082) (0.832) 3.125% 0.925 1.125

3.750% (1.040) (0.840) 2.875% (0.822) (0.572) 3.000% 1.256 1.456

3.625% (1.474) (1.274) 2.750% (0.540) (0.290) 2.875% 1.654 1.854

3.500% (1.221) (1.021) 2.750% 2.116 2.316

3.375% (1.297) (1.097)

3.250% (0.859) (0.659)

3.125% 0.061 0.261

3.000% 0.321 0.521

2.875% 0.558 0.758

2.750% 0.805 1.005 2.00 Margin, 1/1/5 Caps


4.250% (1.722) (1.522) 4.250% (1.121) (0.921) 4.250% 1.157 1.357 4.250% (3.056) (2.856)

4.125% (1.305) (1.105) 4.125% (1.415) (1.215) 4.125% (0.054) 0.146 4.125% (3.023) (2.823)

4.000% (1.047) (0.847) 4.000% (1.254) (1.054) 4.000% 0.112 0.312 4.000% (2.498) (2.298)

3.875% (0.601) (0.401) 3.875% (1.139) (0.939) 3.875% 0.314 0.514 3.875% (1.663) (1.463)

3.750% (1.065) (0.865) 3.750% (0.814) (0.614) 3.750% 0.543 0.743 3.750% (2.289) (2.089)

3.625% (1.499) (1.299) 3.625% (0.308) (0.108) 3.625% 0.191 0.391 3.625% (2.286) (2.086)

3.500% (1.246) (1.046) 3.500% (0.015) 0.185 3.500% 0.410 0.610 3.500% (1.857) (1.657)

3.375% (1.322) (1.122) 3.375% 0.225 0.425 3.375% 0.599 0.799 3.375% (1.374) (1.174)

3.250% (0.884) (0.684) 3.250% 0.493 0.693 3.250% 0.992 1.192 3.250% (1.327) (1.127)

3.125% 0.036 0.236 3.125% 0.203 0.403 3.125% 1.050 1.250 3.125% (0.616) (0.416)

3.000% 0.296 0.496 3.000% 0.529 0.729 3.000% 1.381 1.581 3.000% (0.075) 0.125

2.875% 0.533 0.733 2.875% 0.821 1.021 2.875% 1.779 1.979

2.750% 0.780 0.980 2.750% 1.251 1.451 2.750% 2.241 2.441

Loan Amount FICO* Loans $250k-Std Bal Limit -0.200 * Fico Scores 720+ -0.250

* Loans $175k-$249,999 -0.100 * Fico Scores 680-719 -0.125

* Loans $75k-$99,999 0.250 * Fico Scores 640 - 679 (VA IRRRL High Bal only) 0.625

* Loans $50k-$74,999 0.750 * Fico Scores 640 - 679 (FHA Std Bal Streamline Only) 0.250

* Loans $30k-$49,999 2.000 * Fico Scores 660 - 679 (all; except FHA Std Bal Strmln & VA IRRRL HB) 0.125

* Loans < $30,000 Contact Secondary * Fico Scores 640 - 659 (all; except FHA Std Bal Strmln & VA IRRRL HB) 0.500

* Loans $1M-$1.5m (VA High Bal only) 0.500 * Fico Scores 620 - 639 1.375

* Loans >=$1m (VA IRRRL High Bal only) 0.625 * Fico Scores 600 - 619 1.875

* Fico Scores 580 - 599 2.625

* No FICO Score (Non-Traditional Credit only) 2.625LTV * Fico Scores 550 - 579 3.375

* Streamline CLTV 100.01-125% 0.250

* VA IRRRL & VA IRRRL High Bal w/LTV >100-105% 0.250

* VA IRRRL & VA IRRRL High Bal w/LTV >105% 0.500* VA/VA High Bal Cash-out w/LTV >90% 3.500

Miscellaneous Occupancy * Purchase Bonus (FHA & VA , Fixed only, Std Bal & High Bal) -0.600

* Non Owner Occupied 1.000 * Down Payment Asst Prgrms (FHA High Bal only) 0.375

Maximum Rebate/Price Cap * FHA Manufactured Home 1.250

All Fixed Rates 105.000 * USDA/VA Manufactured Home 1.000

All ARM Rates 103.750 ** Down Payment Protection Feature (refer to Down Payment Protection Tab).

Government Price Adjustments

VA IRRRL - 30/25 VA IRRRL - 15 VA IRRRL High Bal - 30 USDA - 30 Yr


VA/USDAVA 5/1 ARM VA High Balance - 30



FHAG

OV

ER

NM

EN

T

High Balance - 30/25/20


Streamline 30 Streamline 15 Streamline HB - 30

Page 8

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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-1002

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

Do

wn

Paym

en

t P

rote

cti

on

Featu

re

Group 1 Group 2 Group 3 Group 4 Group 5

1:29PM

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

5.875% 1.353 1.603 5.625% (2.344) (2.094) 4.500% #VALUE! #VALUE! 4.500% 4.533 4.783

5.750% 1.528 1.778 5.500% (2.078) (1.828) 4.375% 3.877 4.127 4.375% 4.814 5.064

5.625% 1.701 1.951 5.375% (1.812) (1.562) 4.250% 4.189 4.439 4.250% 5.095 5.345

5.500% 1.873 2.123 5.250% (1.547) (1.297) 4.125% 4.502 4.752 4.125% 5.376 5.626

5.375% 2.043 2.293 5.125% (1.281) (1.031) 4.000% 4.814 5.064 4.000% 5.658 5.908

5.250% 2.212 2.462 5.000% (1.016) (0.766) 3.875% 5.127 5.377 3.875% 5.939 6.189

5.125% 2.379 2.629 4.875% (0.750) (0.500) 3.750% 5.439 5.689 3.750% 6.220 6.470

5.000% 2.544 2.794 4.750% (0.484) (0.234) 3.625% 5.752 6.002 3.625% 6.501 6.751

4.875% 2.708 2.958 4.625% (0.219) 0.031 3.500% 6.064 6.314 3.500% 6.783 7.033

4.750% 2.621 2.871 4.500% 0.047 0.297 3.375% 6.423 6.673

4.625% 2.656 2.906 4.375% 0.313 0.563

4.500% 2.773 3.023 4.250% 0.578 0.828

4.375% 2.938 3.188 4.125% 0.844 1.094


4.875% (1.514) (1.264) 4.500% (2.550) (2.300) 4.500% (1.835) (1.585) 4.500% (1.618) (1.368)

4.750% (1.235) (0.985) 4.375% (2.395) (2.145) 4.375% (1.565) (1.315) 4.375% (1.327) (1.077)

4.625% (1.024) (0.774) 4.250% (2.116) (1.866) 4.250% (1.294) (1.044) 4.250% (1.043) (0.793)

4.500% (0.964) (0.714) 4.125% (1.808) (1.558) 4.125% (1.026) (0.776) 4.125% (0.758) (0.508)

4.375% (0.783) (0.533) 4.000% (1.676) (1.426) 4.000% (0.754) (0.504) 4.000% (0.474) (0.224)

4.250% (0.496) (0.246) 3.875% (1.337) (1.087) 3.875% (0.335) (0.085) 3.875% (0.188) 0.062

4.125% (0.335) (0.085) 3.750% (0.964) (0.714) 3.750% 0.086 0.336 3.750% 0.130 0.380

4.000% (0.226) 0.024 3.625% (0.548) (0.298) 3.625% 0.230 0.480 3.625% 0.731 0.981

3.875% (0.194) 0.056 3.500% (0.064) 0.186 3.500% 0.654 0.904 3.500% 1.085 1.335

3.750% (0.078) 0.172 3.375% 0.342 0.592 3.375% 1.083 1.333 3.375% 1.463 1.713

3.625% (0.022) 0.228 3.250% 0.806 1.056 3.250% 1.473 1.723 3.250% 1.871 2.121

3.500% 0.238 0.488

3.375% 0.431 0.681


4.250% (1.538) (1.288) 4.250% (1.551) (1.301) 4.250% (1.288) (1.038) 4.250% (1.135) (0.885)

4.125% (1.290) (1.040) 4.125% (1.250) (1.000) 4.125% (0.966) (0.716) 4.125% (0.937) (0.687)

4.000% (0.989) (0.739) 4.000% (0.893) (0.643) 4.000% (0.614) (0.364) 4.000% (0.661) (0.411)

3.875% (0.648) (0.398) 3.875% (0.495) (0.245) 3.875% (0.242) 0.008 3.875% (0.322) (0.072)

3.750% (0.278) (0.028) 3.750% (0.072) 0.178 3.750% 0.142 0.392 3.750% 0.063 0.313

3.625% 0.107 0.357 3.625% 0.361 0.611 3.625% 0.527 0.777 3.625% 0.480 0.730

3.500% 0.508 0.758 3.500% 0.793 1.043 3.500% 0.937 1.187 3.500% 0.912 1.162

3.375% 0.933 1.183 3.375% 1.238 1.488 3.375% 1.382 1.632 3.375% 1.368 1.618

3.250% 1.389 1.639 3.250% 1.707 1.957 3.250% 1.871 2.121 3.250% 1.855 2.105

3.125% 1.883 2.133 3.125% 2.215 2.465 3.125% 2.412 2.662 3.125% 2.381 2.631




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


Wednesday, March 18, 2020 Wholesale Rates effective until 3:30 pm PDT (In an occurrence of a Price Change, Notification will be sent)

DIAMOND JUMBO

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RUBY JUMBORuby 30 Yr Fixed Ruby 15 Yr Fixed Ruby 5/1 ARM Ruby 7/1 ARM

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Lnamt <=60.00% 60.01-65.00%65.01-70.00%70.01-75.00% 75.01-80.00% 80.01-85%* 85.01-90%*

<=$1M -0.250 -0.125 0.000 0.000 0.000 0.000

>1M -1.5M -0.125 0.000 0.000 0.000 0.000 0.000

>1.5M-2.0M 0.000 0.000 0.000 0.125 0.500 0.500

>2m-2.5m 0.000 0.000

FICO <=60.00% 60.01-65.00%65.01-70.00%70.01-75.00% 80.01-85%* 85.01-90%*

>=800 -0.500 -0.500 -0.250 -0.250 0.125 0.625

780-799 -0.500 -0.375 -0.250 -0.125 0.125 0.625

760-779 -0.375 -0.250 -0.125 0.000 0.250 0.750

740-759 -0.250 -0.125 0.000 0.125 0.500 0.750

720-739 -0.250 -0.125 0.125 0.250 N/A N/A

700-719 -0.125 0.000 0.250 0.500 N/A N/A

State <=60.00% 60.01-65.00%65.01-70.00%70.01-75.00% 80.01-85%* 85.01-90%*

FL, NV-Fixed 0.000 0.000 0.000 0.000 0.375 0.375

FL, NV-ARM 0.000 0.000 0.000 0.375 N/A N/A

CA- Fixed 0.125 0.125 0.125 0.250 0.375 0.375

CA-ARM 0.000 0.125 0.125 0.125 N/A N/A

<=60.00% 60.01-65.00%65.01-70.00%70.01-75.00% 80.01-85%* 85.01-90%*

Purchase -0.125 0.000 0.000 0.000 0.000 0.000

Cash Out 0.250 0.500 0.750 1.000 N/A N/A

2 Units 0.250 0.375 0.500 0.750 N/A N/A

3-4 units 0.375 0.500 0.625 N/A N/A N/A

2nd Home 0.000 0.000 0.125 0.125 0.750 1.000

Investment 1.000 1.250 1.500 N/A N/A N/A

Escrow Waiver 0.125 0.125 0.125 0.125 0.125 0.125

*>80 LTV/CLTV limited to 30 Yr Fixed rate only

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

Term <=$1.0M > $1.0M

30YR 102.450 101.950

15YR 101.950 101.700

5/1 Arm 101.325 101.200

7/1 Arm 101.325 101.200

FICO <=55% 55.01-60% 60.01-65% 65.01-70% 70.01-75% 80.01-85% 85.01-90%

680-699 -0.375 -0.250 -0.125 0.000 0.500 n/a n/a

700-719 -0.375 -0.250 -0.125 0.000 0.250 1.000 1.000

720-739 -0.500 -0.375 -0.250 -0.250 0.000 0.750 0.750

740-759 -0.500 -0.375 -0.250 -0.250 0.000 0.500 0.500

760-779 -0.500 -0.375 -0.375 -0.375 -0.125 0.250 0.250

780-850 -0.500 -0.500 -0.500 -0.375 -0.250 0.125 0.125

Purpose <=55% 55.01-60% 60.01-65% 65.01-70% 70.01-75% 80.01-85% 85.01-90%

Cash-out Refi 0.000 0.000 0.250 0.500 0.875 n/a n/a

Purchase -0.375 -0.375 -0.250 -0.250 -0.250 -0.500 -0.500

Other <=55% 55.01-60% 60.01-65% 65.01-70% 70.01-75% 80.01-85% 85.01-90%

Interest Only 0.500 0.500 1.000 1.000 1.500 n/a n/a

Investor 0.000 0.000 0.250 0.375 0.500 n/a n/a

>80 LTV NO MI n/a n/a n/a n/a n/a 0.375 0.625

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

Term Price Cap

30YR 102.550

15YR 102.550

5/1 Arm 102.550

7/1 Arm 102.55010/1 Arm 102.550


LTV/CLTV (%)

75.01-80%

n/a

n/a

n/a


PURPOSE/CLTVLTV/CLTV (%)

75.01-80%

n/a

-0.250

OTHER/CLTV

0.875

0.625

0.500

0.250

0.125

0.000

Loan Amount

Ruby Jumbo Price Adjustments

Applicable to All FICO/CLTV

LTV/CLTV (%)

75.01-80%

1.000

N/A

0.500

N/A

0.125


0.250

Purpose/Property AdjustmentsLTV/CLTV (%)

75.01-80.00%

0.000

1.750

State AdjustorsLTV/CLTV (%)

75.01-80.00%

0.375

0.750

0.375

-0.125

0.000

0.250

0.375

0.625

1.000

0.000

0.500

FICO / LTV / CLTVLTV/CLTV (%)

75.01-80.00%



JUMBO PRICE ADJUSTMENTS

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Applicable to All Loan Amount / LTV / CLTV

LTV/CLTV (%)

0.000

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Applicable to Fixed Rate Loans Purchase and R/T refinanceCredit Score

LTV/CLTV (%)FICO <=50.00% 50.01-55% 55.01-60% 60.01-65% 65.01-70.00%70.01-75.00%75.01-80.00%

>-800 -0.1250 -0.0625 -0.0625 -0.0625 0.0625 0.1875 0.3750

780-799 -0.1250 -0.0625 -0.0625 0.0000 0.1250 0.2500 0.4375

760-779 -0.0625 -0.0625 -0.0625 0.0000 0.1250 0.3125 0.6250

740-759 -0.0625 -0.0625 0.0000 0.0625 0.2500 0.4375 0.7500

720-739 -0.0625 0.0000 0.0625 0.0625 0.3125 0.5000 0.9375

700-719 -0.0625 0.0625 0.1250 0.1875 0.4375 0.7500 1.3750

680-699 0.0000 0.1250 0.1875 0.2500 n/a n/a n/aMiscellaneous

<=50.00% 50.01-55% 55.01-60% 60.01-65% 65.01-70.00%70.01-75.00%75.01-80.00%

2nd home 0.0000 0.1250 0.1875 0.3125 0.3750 0.4375 n/a

2-4 untis 0.2500 0.3750 0.7500 1.0000 1.5000 2.0000 3.0000

Condo 0.0000 0.0000 0.0625 0.1250 0.1250 0.1250 0.1250

DTI >40% 0.0000 0.0000 0.1250 0.1875 0.1875 0.2500 0.3750Applicable to Fixed Rate Loan Cash outCredit Score

LTV/CLTV (%)FICO <=50.00% 50.01-55% 55.01-60% 60.01-65% 65.01-70.00%70.01-75.00%75.01-80.00%

>-800 -0.1250 -0.0625 -0.0625 0.0625 0.1250 1.8750 n/a

780-799 -0.1250 -0.0625 -0.0625 0.1250 0.1875 0.3125 n/a

760-779 -0.0625 -0.0625 0.0625 0.1875 0.3125 0.4375 n/a

740-759 -0.0625 0.0625 0.1250 0.2500 0.3750 0.5625 n/a

720-739 -0.0625 0.0625 0.1875 0.3125 0.5625 0.8125 n/a

700-719 -0.0625 0.1250 0.3125 0.5000 0.7500 1.1875 n/a

680-699 n/a n/a n/a n/a n/a n/a n/aMiscellaneous

<=50.00% 50.01-55% 55.01-60% 60.01-65% 65.01-70.00%70.01-75.00%75.01-80.00%

2nd home 0.0000 0.1250 0.1875 0.3125 0.3750 n/a n/a

2-4 untis 0.2500 0.3750 0.7500 1.0000 1.5000 2.0000 3.0000

Condo 0.0000 0.0000 0.0625 0.1250 0.1250 0.1250 0.1250

DTI >40% n/a n/a n/a n/a n/a n/a n/aApplicable to Fixed rate loan Purchase, R/T, and Cash out* Loan amount change $45,001-$75,000 0.125

* Loan amount change $75,000-$150,000 0.250

*Escrow wavier( excluding Ca, NC, DC, and NY) 0.125

*Purchase Special on Purchase and R/T only -0.125Applicable to ARM Loans Purchase and R/TCredit Score

LTV/CLTV (%)FICO <=50.00% 50.01-55% 55.01-60% 60.01-65% 65.01-70.00%70.01-75.00%75.01-80.00%

>-800 -0.1250 -0.0625 0.0625 0.0625 0.1875 0.3125 0.5000

780-799 -0.1250 -0.0625 0.0625 0.1250 0.2500 0.3750 0.5625

760-779 -0.0625 -0.0625 0.0625 0.1250 0.2500 0.4375 0.7500

740-759 -0.0625 -0.0625 0.1250 0.1875 0.3750 0.5625 0.8750

720-739 -0.0625 0.0000 0.1875 0.1875 0.4375 0.6250 1.0625

700-719 -0.0625 0.0625 0.2500 0.3125 0.5625 0.8750 1.5000

680-699 0.0000 0.1250 0.3125 0.3750 n/a n/a n/aMiscellaneous

<=50.00% 50.01-55% 55.01-60% 60.01-65% 65.01-70.00%70.01-75.00%75.01-80.00%

2nd home 0.0000 0.1250 0.1875 0.3125 0.3750 0.4375 n/a

2-4 untis 0.2500 0.3750 0.7500 1.0000 1.5000 2.0000 3.0000

Condo 0.0000 0.0000 0.0625 0.1250 0.1250 0.1250 0.1250

DTI >40% 0.0000 0.0000 0.1250 0.1875 0.1875 0.2500 0.3750

Applicable to ARM Loans cash outCredit Score

LTV/CLTV (%)FICO <=50.00% 50.01-55% 55.01-60% 60.01-65% 65.01-70.00%70.01-75.00%75.01-80.00%

>-800 -0.1250 -0.0625 0.0625 0.1875 0.2500 0.3125 n/a

780-799 -0.1250 -0.0625 0.0625 0.2500 0.3125 0.4375 n/a

760-779 -0.0625 -0.0625 0.1875 0.3125 0.4375 0.5625 n/a

740-759 -0.0625 0.0625 0.2500 0.3750 0.5000 0.6875 n/a

720-739 -0.0625 0.0625 0.3125 0.4375 0.6875 0.9375 n/a

700-719 -0.0625 0.1250 0.4375 0.6250 0.8750 1.3125 n/a

680-699 n/a n/a n/a n/a n/a n/a n/a

Miscellaneous<=50.00% 50.01-55% 55.01-60% 60.01-65% 65.01-70.00%70.01-75.00%75.01-80.00%

2nd home 0.0000 0.1250 0.1875 0.3125 0.3750 0.4375 n/a

2-4 untis 0.2500 0.3750 0.7500 1.0000 1.5000 2.0000 3.0000

Condo 0.0000 0.0000 0.0625 0.1250 0.1250 0.1250 0.1250

DTI >40% n/a n/a n/a n/a n/a n/a n/a

Applicable to ARM loan Purchase, R/T, and Cash out Maximum Rebate/Price Cap* Loan amount change $45,001-$75,000 0.125 (Price cap is after all LLPAs but before Lender Paid Comp)

* Loan amount change $75,000-$150,000 0.250 * Platinum 30 yr Fixed Rate 101.200

*Escrow wavier( excluding Ca, NC, DC, and NY) 0.125 * Platinum 15 yr Fixed Rate 100.950

*Purchase Special on Purchase and R/T only -0.125 * Platinum 10/1 ARM, 7/1 ARM, 5/1 ARM 100.825




JUMBO PRICE ADJUSTMENTS (Continued)

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Platinum Jumbo Price Adjustments

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30 Yr Fixed 5/1 Libor ARM 7/1 Libor ARMRate 30 45 Start Rate 30 45 Start Rate 30 45

7.625% (7.330) (7.080) 7.625% (7.280) (7.030) 7.625% (7.130) (6.880)

7.500% (7.080) (6.830) 7.500% (7.030) (6.780) 7.500% (6.880) (6.630)

7.375% (6.830) (6.580) 7.375% (6.780) (6.530) 7.375% (6.630) (6.380)

7.250% (6.580) (6.330) 7.250% (6.530) (6.280) 7.250% (6.380) (6.130)

7.125% (6.330) (6.080) 7.125% (6.280) (6.030) 7.125% (6.130) (5.880)

7.000% (6.080) (5.830) 7.000% (6.030) (5.780) 7.000% (5.880) (5.630)

6.875% (5.830) (5.580) 6.875% (5.780) (5.530) 6.875% (5.630) (5.380)

6.750% (5.580) (5.330) 6.750% (5.530) (5.280) 6.750% (5.380) (5.130)

6.625% (5.330) (5.080) 6.625% (5.280) (5.030) 6.625% (5.130) (4.880)

6.500% (5.080) (4.830) 6.500% (5.030) (4.780) 6.500% (4.880) (4.630)

6.375% (4.830) (4.580) 6.375% (4.780) (4.530) 6.375% (4.630) (4.380)

6.250% (4.580) (4.330) 6.250% (4.530) (4.280) 6.250% (4.380) (4.130)

6.125% (4.330) (4.080)

Rate 30 45 Start Rate 30 45 Start Rate 30 45

7.875% (5.245) (4.995) 7.125% (4.245) (3.995) 7.125% (3.865) (3.615)

7.750% (4.995) (4.745) 7.000% (3.995) (3.745) 7.000% (3.615) (3.365)

7.625% (4.745) (4.495) 6.875% (3.745) (3.495) 6.875% (3.365) (3.115)

7.500% (4.495) (4.245) 6.750% (3.495) (3.245) 6.750% (3.115) (2.865)

7.375% (4.245) (3.995) 6.625% (3.245) (2.995) 6.625% (2.865) (2.615)

7.250% (3.995) (3.745) 6.500% (2.995) (2.745) 6.500% (2.615) (2.365)

7.125% (3.745) (3.495) 6.375% (2.745) (2.495) 6.375% (2.365) (2.115)

7.000% (3.495) (3.245) 6.250% (2.495) (2.245) 6.250% (2.115) (1.865)

6.875% (3.245) (2.995) 6.125% (2.245) (1.995) 6.125% (1.865) (1.615)

6.750% (2.995) (2.745) 6.000% (1.995) (1.745) 6.000% (1.615) (1.365)

6.625% (2.745) (2.495) 5.875% (1.745) (1.495) 5.875% (1.365) (1.115)

6.500% (2.495) (2.245) 5.750% (1.495) (1.245) 5.750% (1.115) (0.865)

6.375% (2.245) (1.995)

<50% 50.01%-55% 60.01-65% 65.01-70% 75.01-80% 80.01-85% 85.01-90%

-0.375 -0.250 -0.125 0.000 0.375 1.000 1.500

-0.375 -0.250 -0.125 0.000 0.375 1.000 1.625

-0.250 -0.125 0.000 0.125 0.625 1.500 1.750

-0.125 0.000 0.125 0.250 0.875 1.625 1.875

0.000 0.125 0.375 0.875 1.375 2.000 N/A

0.000 0.125 0.625 1.250 2.250 2.875 N/A

0.500 0.625 1.000 1.625 2.875 N/A N/A

-0.125 0.000 0.375 0.500 1.500 2.125 N/A

-0.125 0.000 0.375 0.500 1.500 2.125 N/A

0.000 0.125 0.500 1.000 1.875 2.375 N/A

0.125 0.250 0.625 1.375 2.250 N/A N/A

0.250 0.375 1.000 1.625 N/A N/A N/A

0.375 0.500 1.250 N/A N/A N/A N/A

N/A N/A N/A N/A N/A N/A N/A

Unison Only

<60% 60.01-65% 70.01-75% 75.01-80% 85.01-90% 90.01-95%

-1.625 -1.625 -0.875 -0.375 1.375 2.250

-1.375 -1.375 -0.750 -0.250 1.875 3.000

-1.375 -1.250 -0.250 0.250 2.875 4.375

-0.875 -0.875 0.000 0.875 N/A N/A

-0.625 -0.250 0.875 1.875 N/A N/A

-0.375 -0.125 1.625 2.625 N/A N/A

1.625 1.875 3.125 4.000 N/A N/A

2.625 2.875 4.125 5.000 N/A N/A

0.000 0.000 0.750 1.375 N/A

0.250 0.250 0.875 1.500 N/A

0.500 0.500 1.500 2.000 N/A

0.750 0.750 2.000 2.500 N/A

0.750 1.000 2.250 3.500 N/A

1.750 1.875 3.625 N/A N/A

3.875 4.000 5.250 N/A N/A

4.875 5.000 6.250 N/A N/A

<50% 50.01%-55% 60.01-65% 65.01-70% 75.01-80% 80.01-85% 85.01-90%

0.000 0.000 0.000 0.000 0.000 0.000 N/A

0.125 0.250 0.250 0.250 0.500 N/A N/A

0.000 0.000 0.000 0.250 0.250 0.500 0.500

0.500 0.500 0.500 0.500 N/A N/A N/A

-0.250 -0.250 -0.250 -0.250 -0.250 -0.250 -0.250

0.125 0.125 0.250 0.500 0.750 N/A N/A

0.500 0.625 0.750 0.875 N/A N/A N/A

0.000 0.250 0.750 0.750 1.000 N/A N/A

0.250 0.250 0.500 0.500 0.500 0.750 N/A

0.125 0.125 0.125 0.125 0.250 0.250 0.250

0.250 0.250 0.250 0.250 N/A N/A N/A

0.000 0.000 0.750 1.250 1.875 2.000 N/A

0.000 0.000 0.000 0.000 0.000 0.000 N/A

-0.250 -0.250 -0.250 -0.250 -0.250 -0.250 -0.250

0.375 0.375 0.375 0.375 0.375 0.375 N/A

0.125 0.125 0.375 0.625 N/A N/A N/A

0.625 0.625 0.625 0.750 N/A N/A N/A

** Fixed Rate Adjustments additive to 12 Month CPA PnL adjuster.

Unison Only

<60% 60.01-65% 70.01-75% 75.01-80% 85.01-90% 90.01-95%

0.000 0.000 0.000 0.000 0.250 0.375

0.375 0.375 0.375 0.375 0.500 0.625

0.500 0.500 0.500 N/A N/A N/A

0.375 0.375 0.500 0.500 N/A N/A

0.000 0.000 0.250 0.250 0.500 0.625

0.000 0.000 0.500 0.750 N/A N/A

0.250 0.375 0.500 1.000 N/A N/A

0.500 0.500 1.750 2.250 N/A N/A

0.500 0.750 1.000 1.000 N/A N/A

0.250 0.500 0.500 0.500 N/A N/A

0.750 1.000 1.750 2.000 N/A N/A

0.125 0.125 0.250 0.250 0.250 0.375

0.875 1.375 1.750 N/A N/A N/A

0.250 0.250 0.500 0.500 N/A N/A

0.000 0.500 1.000 1.000 1.000 1.125

0.000 0.000 0.500 0.500 1.250 1.375

0.000 0.500 1.000 1.000 1.000 1.125

-0.375 -0.375 -0.500 -0.500 -0.500 N/A

N/A N/A N/A N/A -0.375 N/A

N/A N/A N/A N/A N/A -0.250

**12 Month Bank Statements additive to 24 Month Bank Statement Adjusments

101.950 103.700

102.700


Maximum Rebate/Price Cap* Expanded Access - AA Credit Fixed/ARM Rates * Expanded Access - B & C Credit Fixed Rates

* Expanded Access - B & C Credit ARM Rates

* Unison only w/10% Down N/A N/A

* Unison only w/5% Down N/A N/A

* Express Doc- 1yr Tax Return 0.750 1.000

* Unison only w/>10% Down -0.375 -0.500

* 24 Month Bank Statement 0.750 1.000

** 12 Month Bank Statement 0.250 1.000

* Foreign National 1.500 N/A

* Asset Utilization 0.500 N/A

* Non Warrantable Condo 1.500 N/A

* 2-4 Unit Property 0.125 0.250

* Second Home 1.000 N/A

* Condo/ Co-ops 0.500 0.750

* Cash-out/Debt Consolidation 0.500 1.250

* Investor 1.000 N/A

* Loan Amount <=$250k 0.250 0.500

* Loan Amount >$1.5mm 0.500 N/A

* DTI > 50% 0.500 N/A

* Interest Only 0.375 0.750

* DTI > 43% & Fico 680+ 0.000 0.250

* DTI > 43% & Fico <680 0.375 0.500

** Fixed Rate 12 Month CPA PnL 0.625 1.000

EA - B-C Credit Full Doc / Express Doc / Bank StatementLTV/CLTV

Misc Price Adjustments 65.01-70% 80.01-85%

* Fixed Rate Bank Stmt 0.375 0.375

* 12 Month CPA PnL 0.125 0.750

* Express Doc-1 yr Tax Return + PnL^ 0.000 0.000

* Non-CA State -0.250 -0.250

* Asset Utilization 0.250 0.375

* 12 Month Bank Statement 0.000 1.625

* Condos 0.250 0.500

* 2-4 Unit Property 0.125 0.250

* Investor 0.625 1.000

* Second Home 0.500 1.000

* Purchase -0.250 -0.250

* Cash-out/Debt Consolidation 0.125 0.500

* Loan Amount <=$250k 0.000 0.250

* Loan Amount >$2mm 0.500 0.500

* DTI > 43% & Fico > 680 0.000 0.000

* Interest Only 0.250 0.375

EA - AA Credit Full Doc / Express Doc / Bank Statement / CPA PnLLTV/CLTV

Misc Price Adjustments 55.01%-60% 70.01-75%

600-619 4.375 N/A

580-599 5.375 N/A

640-659 1.125 N/A

620-639 2.000 N/A

1.750

680-699 0.875 2.250

660-679 1.000 N/A

580-599 3.500 N/A

EA - C Credit

Full Doc

Express Doc

Bank Statement

720+ Fico 0.000 1.625

700-719 0.250

620-639 0.500 N/A

600-619 2.500 N/A

660-679 -0.500 2.000

640-659 0.000 2.250

EA - B Credit

Full Doc

Express Doc

Bank Statement

720+ Fico -1.500 0.500

700-719 -1.125 0.875

680-699 -0.625 1.750

661-679 Fico N/A N/A

LTV/CLTV65.01-70% 80.01-85%

700-719 Fico 0.375 2.250

680-699 Fico 0.500 N/A

1.000

740-759 Fico 0.125 1.625

720-739 Fico 0.250 1.875

661-679 Fico 0.750 2.250

EA - AA Credit

Express Doc/Bank

Statement/CPA PnL

780+ Fico 0.000 0.750

760-779 Fico 0.000

700-719 Fico 0.125 1.125

680-699 Fico 0.250 1.750

0.250

740-759 Fico -0.125 0.375

720-739 Fico 0.000 0.625

Expanded Access - Full Doc / Express Doc / Bank Statement Price AdjustmentsLTV/CLTV

55.01%-60% 70.01-75%

EA - AA Credit Full

Doc

780+ Fico -0.250 0.250

760-779 Fico -0.250

30 Yr Fixed 5/1 Libor ARM 7/1 Libor ARM Program HighlightsB-C Credit Grades




Expanded Access AA Credit Grade

NIC

HE

/ E

XP

AN

DE

D A

CC

ES

S N

ON

-CO

NF

OR

MIN

G

Program HighlightsAA Credit Grade


Expanded Access B-C Credit Grades

1:29PM

30 Yr Fixed-30/40 IO Fixed 15 Yr Fixed 5/1 Libor ARM - 5/1 ARM 30/40 IO 7/1 Libor ARM -7/1 ARM 30/40 IORate 15 30 Rate 15 30 Start Rate 15 30 Start Rate 15 30

7.375% (7.759) (7.509) 7.375% (7.992) (7.742) 7.250% (6.814) (6.564) 7.625% (8.293) (8.043)

7.250% (7.444) (7.194) 7.250% (7.677) (7.427) 7.125% (6.499) (6.249) 7.500% (7.959) (7.709)

7.125% (7.129) (6.879) 7.125% (7.362) (7.112) 7.000% (6.184) (5.934) 7.375% (7.626) (7.376)

7.000% (6.814) (6.564) 7.000% (7.047) (6.797) 6.875% (5.869) (5.619) 7.250% (7.292) (7.042)

6.875% (6.499) (6.249) 6.875% (6.732) (6.482) 6.750% (5.554) (5.304) 7.125% (6.958) (6.708)

6.750% (6.184) (5.934) 6.750% (6.417) (6.167) 6.625% (5.239) (4.989) 7.000% (6.624) (6.374)

6.625% (5.869) (5.619) 6.625% (6.102) (5.852) 6.500% (4.924) (4.674) 6.875% (6.291) (6.041)

6.500% (5.554) (5.304) 6.500% (5.787) (5.537) 6.375% (4.609) (4.359) 6.750% (5.957) (5.707)

6.375% (5.239) (4.989) 6.375% (5.472) (5.222) 6.250% (4.294) (4.044) 6.625% (5.623) (5.373)

6.250% (4.924) (4.674) 6.250% (5.157) (4.907) 6.125% (3.979) (3.729) 6.500% (5.289) (5.039)

6.125% (4.609) (4.359) 6.125% (4.842) (4.592) 6.000% (3.664) (3.414) 6.375% (4.956) (4.706)

6.000% (4.294) (4.044) 6.000% (4.527) (4.277) 5.875% (3.349) (3.099) 6.250% (4.622) (4.372)

5.875% (3.979) (3.729) 5.875% (4.212) (3.962) 5.750% (3.034) (2.784) 6.125% (4.288) (4.038)

5.750% (3.664) (3.414) 5.750% (3.897) (3.647) 5.625% (2.719) (2.469) 6.000% (3.954) (3.704)

5.625% (3.349) (3.099) 5.625% (3.582) (3.332) 5.500% (2.404) (2.154) 5.875% (3.621) (3.371)

5.500% (3.034) (2.784) 5.500% (3.267) (3.017) 5.375% (2.089) (1.839) 5.750% (3.283) (3.033)

5.375% (2.719) (2.469) 5.375% (2.952) (2.702) 5.250% (1.774) (1.524) 5.625% (2.942) (2.692)

5.250% (2.404) (2.154) 5.250% (2.637) (2.387) 5.125% (1.432) (1.182) 5.500% (2.599) (2.349)

5.125% (2.089) (1.839) 5.125% (2.322) (2.072) 5.000% (1.076) (0.826) 5.375% (2.249) (1.999)

5.000% (1.774) (1.524) 5.000% (2.007) (1.757) 4.875% (0.778) (0.528) 5.250% (1.895) (1.645)

4.875% (1.432) (1.182) 4.875% (1.692) (1.442) 4.750% (0.481) (0.231) 5.125% (1.526) (1.276)

4.750% (1.076) (0.826) 4.750% (1.350) (1.100)

10/1 Libor ARM -10/1 ARM 30/40 IOStart Rate 15 30

7.375% (8.122) (7.872)

7.250% (7.769) (7.519)

7.125% (7.417) (7.167)

7.000% (7.064) (6.814) Mortgage History: Min 0x30 12 Months

6.875% (6.712) (6.462) Max DTI: 45

6.750% (6.359) (6.109) Bankruptcy Seasoning: Chap 13&11: 2 Yrs Chap 7: 4 Yrs

6.625% (6.007) (5.757) Foreclosure Seasoning: 7 Years

6.500% (5.654) (5.404) Other Loss Mitigation Seasoning: 4 Years6.375% (5.302) (5.052) Reserves <= 80% LTV: Per AUS Approval

6.250% (4.949) (4.699) Reserves > 80% LTV: Per AUS Approval

6.125% (4.597) (4.347) Documentation Programs: Per AUS Approval

6.000% (4.244) (3.994) Max Loan Amount: $3,000,000

5.875% (3.892) (3.642) Min Loan Amount: $100,000

5.750% (3.532) (3.282) Max LTV: 95%

5.625% (3.164) (2.914) Min FICO: 600

5.500% (2.793) (2.543) Occupancy Types: Owner, 2nd Home, Investor

5.375% (2.408) (2.158)

5.250% (2.015) (1.765)

5.125% (1.619) (1.369)

5.000% (1.216) (0.966)

4.875% (0.802) (0.552)

4.750% (0.388) (0.138)

50.01%-55% 55.01%-60% 65.01-70% 70.01-75% 80.01-85% 85.01-90% 90.01-95%

-0.450 -0.450 -0.200 -0.050 0.600 1.250 2.500

-0.450 -0.450 -0.150 0.000 0.700 1.350 2.750

-0.400 -0.350 -0.100 0.050 0.850 1.550 3.000

-0.300 -0.250 0.050 0.250 1.000 1.750 3.250

-0.150 -0.150 0.250 0.450 1.250 2.050 3.750

0.000 0.000 0.550 0.750 1.650 2.550 4.250

0.200 0.250 0.900 1.200 2.700 3.800 5.000

0.400 0.550 1.100 1.500 3.500 N/A N/A

0.800 1.100 2.000 2.500 5.000 N/A N/A

1.200 1.500 2.750 3.500 N/A N/A N/A

1.700 2.000 3.750 4.750 N/A N/A N/A

-0.250 -0.250 -0.250 -0.250 -0.375 -0.375 -0.375

0.400 0.600 0.800 0.800 0.800 0.900 1.200

0.400 0.400 0.600 0.800 N/A N/A N/A

0.300 0.300 0.500 0.700 1.400 1.800 2.600

0.200 0.200 0.400 0.400 1.100 1.600 2.200

0.000 0.000 0.000 0.000 0.200 0.300 0.500

0.000 0.000 0.000 0.000 0.200 N/A N/A

0.250 0.250 0.350 0.350 0.600 N/A N/A

0.400 0.400 0.500 0.500 0.750 N/A N/A

0.000 0.000 0.200 0.400 0.800 N/A N/A

0.500 0.900 1.200 1.500 2.500 N/A N/A

0.400 0.600 0.600 0.800 1.800 N/A N/A

-0.300 -0.300 -0.400 -0.500 -0.700 N/A N/A

-0.200 -0.200 -0.200 -0.300 -0.400 -0.400 -0.400

0.200 0.500 0.800 1.100 2.000 N/A N/A

0.000 0.000 0.200 0.400 1.000 1.500 N/A

0.000 0.000 0.200 0.200 0.400 0.600 0.800

0.000 0.000 0.300 0.300 0.600 0.800 1.000

0.125 0.125 0.125 0.125 0.125 0.125 0.125

0.000 0.000 0.500 1.000 2.000 2.500 3.500

102.450 101.700

96.700


Maximum Rebate/Price Cap* Hybrid Conforming and Jumbo w/Loan Amount <=$1MM * Hybrid Conforming and Jumbo w/Loan Amount >$1MMMinimum Price* Hybrid Conforming and Jumbo ALL Loan Amounts

Escrow Waiver 0.125 0.125 0.125

Sub Financing by CLTV 0.000 0.000 1.500

Loan Amt >$1.5MM-$2.5MM 0.000 0.200 0.400

Loan Amt >$2.5MM-$3MM 0.000 0.300 0.600

DTI >43% & Fico <680 0.200 0.500 1.500

DTI >43% & Fico >=680 0.000 0.000 0.600

DTI <=25% & Fico <680 -0.300 -0.400 -0.500

DTI <=25% & Fico>=680 -0.200 -0.200 -0.300

Investment & Fico <680 0.500 1.200 2.000

Investment & Fico >=680 0.400 0.600 1.200

4 Unit 0.400 0.500 0.750

2nd Home 0.000 0.200 0.600

2 Unit 0.000 0.000 0.200

3 Unit 0.250 0.350 0.600

Cashout & Fico >=740 0.200 0.400 0.600

Condo 0.000 0.000 0.000

Cashout & Fico <680 0.400 0.600 N/A

Cashout & Fico 680-739 0.300 0.500 0.900

Purchase Transaction -0.250 -0.250 -0.250

Interest Only (10 Yr IO) 0.400 0.600 0.800

620-639 Fico 1.000 2.000 4.500

600-619 Fico 1.500 2.750 5.750

660-679 Fico 0.200 0.750 2.000

640-659 Fico 0.600 1.400 3.000

700-719 Fico -0.100 0.150 1.100

680-699 Fico 0.000 0.450 1.500

740-759 Fico -0.300 -0.200 0.450

720-739 Fico -0.200 -0.050 0.700

780-799 Fico -0.500 -0.300 0.200

760-779 Fico -0.450 -0.250 0.250

<=50% 60.01-65% 75.01-80%

800+ Fico -0.500 -0.350 0.150


HYBRID CONFORMING AND JUMBO - PRICE ADJUSTMENTSLTV/CLTV



HYBRID CONFORMING AND JUMBO

NIC

HE

/NO

N-Q

M


PROGRAM HIGHLIGHTS

Hybrid Conforming & Jumbo Program accepts Agency Approved Eligible and Agency Approved Ineligible Loans subject

to Overlays (See Guidelines)

1:29PM

30 Yr Fixed 5/1 Libor ARM 7/1 Libor ARM Rate 30 45 Start Rate 30 45 Start Rate 30 45

6.750% (2.575) (2.325) 6.750% (3.325) (3.075) 6.750% (3.075) (2.825) * 3/1 Libor ARM Pricing Available Online

6.625% (2.325) (2.075) 6.625% (3.075) (2.825) 6.625% (2.825) (2.575) * Minimum Loan Amount $75k

6.500% (2.075) (1.825) 6.500% (2.825) (2.575) 6.500% (2.575) (2.325) * Maximum Loan Amount $2mm

6.375% (1.825) (1.575) 6.375% (2.575) (2.325) 6.375% (2.325) (2.075) * Housing Event 2+ Years

6.250% (1.575) (1.325) 6.250% (2.325) (2.075) 6.250% (2.075) (1.825) * BK 2+ Years

6.125% (1.325) (1.075) 6.125% (2.075) (1.825) 6.125% (1.825) (1.575) * Mortgage History 1x30x12

6.000% (1.075) (0.825) 6.000% (1.825) (1.575) 6.000% (1.575) (1.325) * Max Lock Period; 60 Days

5.875% (0.825) (0.575) 5.875% (1.575) (1.325) 5.875% (1.325) (1.075) * Max Lock Period w/Lock Ext; 75 Days

5.750% (0.575) (0.325) 5.750% (1.325) (1.075) 5.750% (1.075) (0.825)

5.625% (0.200) 0.050 5.625% (0.950) (0.700) 5.625% (0.700) (0.450)

5.500% 0.175 0.425 5.500% (0.575) (0.325) 5.500% (0.325) (0.075)

5.375% 0.550 0.800 5.375% (0.200) 0.050 5.375% 0.050 0.300

5.250% 0.925 1.175

<60% 60.01%-65% 70.01-75% 75.01-80%

-2.000 -1.750 -0.500 1.500

-1.750 -1.500 0.250 1.750

-1.500 -1.000 0.500 N/A

-1.000 -0.750 1.750 N/A

-0.250 -0.250 2.250 N/A

0.250 0.625 2.500 N/A

1.000 1.500 N/A N/A

<60% 60.01%-65% 70.01-75% 75.01-80%

0.750 0.750 1.000 N/A

0.000 0.000 0.250 0.500

0.250 0.500 N/A N/A

0.500 0.500 N/A N/A

0.500 0.500 N/A N/A

0.000 0.000 N/A N/A

0.000 0.000 2.000 N/A

1.000 1.000 N/A N/A

(0.500) (0.500) (0.500) (0.500)

(0.250) (0.250) (0.250) (0.250)

0.500 0.500 0.500 0.500

1.000 1.000 1.000 1.000

0.250 0.250 0.750 1.000

102.700 98.700

100.700


* Investor Solution DSCR/No Ratio w/1 Yr or No Prepay

* Interest Only 0.500

Maximum Rebate/Price Cap Minimum Price * Investor Solution DSCR/No Ratio w/2+ Yr Prepay * Investor Solution DSCR/No Ratio

* 1 Yr Prepayment Penalty 0.500

* No Prepayment Penalty 1.000

* 3 Yr Prepayment Penalty (0.500)

* 2 Yr Prepayment Penalty (0.250)

* 2-4 Unit Property 1.250

* Foreign National (Price to 660 FICO) N/A

* Non-Warrantable Condo N/A

* Condo 0.250

* Loan Amount >$1.5mm 0.500

* Cash-out/Debt Consolidation 0.750

* No Ratio 0.750

* Loan Amount <=$250k 0.000

620-639 Fico N/A

LTV/CLTVMisc Price Adjustments 65.01%-70%

660-679 Fico 0.500

640-659 Fico 1.000

700-719 Fico -0.500

680-699 Fico 0.000

LTV/CLTV65.01%-70%

1x30 Mtg DQ

(2+ Yrs)

740+ Fico -1.250

720-739 Fico -1.000



Investor Solution Debt Service Coverage Ratio (DSCR) & No Ratio

NIC

HE

/NO

N-C

ON

FO

RM

ING

Program Highlights


Investor Solution DSCR & No Ratio Price Adjustments

1:29PM


7.250% (7.821) (7.571) 7.125% (7.748) (7.498) 7.250% (7.191) (6.941) 7.500% (8.361) (8.111)

7.125% (7.506) (7.256) 7.000% (7.433) (7.183) 7.125% (6.876) (6.626) 7.375% (8.027) (7.777)

7.000% (7.191) (6.941) 6.875% (7.118) (6.868) 7.000% (6.561) (6.311) 7.250% (7.694) (7.444)

6.875% (6.876) (6.626) 6.750% (6.803) (6.553) 6.875% (6.246) (5.996) 7.125% (7.360) (7.110)

6.750% (6.561) (6.311) 6.625% (6.488) (6.238) 6.750% (5.931) (5.681) 7.000% (7.026) (6.776)

6.625% (6.246) (5.996) 6.500% (6.173) (5.923) 6.625% (5.616) (5.366) 6.875% (6.692) (6.442)

6.500% (5.931) (5.681) 6.375% (5.858) (5.608) 6.500% (5.301) (5.051) 6.750% (6.359) (6.109)

6.375% (5.616) (5.366) 6.250% (5.543) (5.293) 6.375% (4.986) (4.736) 6.625% (6.025) (5.775)

6.250% (5.301) (5.051) 6.125% (5.228) (4.978) 6.250% (4.671) (4.421) 6.500% (5.691) (5.441)

6.125% (4.986) (4.736) 6.000% (4.913) (4.663) 6.125% (4.356) (4.106) 6.375% (5.357) (5.107)

6.000% (4.671) (4.421) 5.875% (4.598) (4.348) 6.000% (4.041) (3.791) 6.250% (5.024) (4.774)

5.875% (4.356) (4.106) 5.750% (4.283) (4.033) 5.875% (3.726) (3.476) 6.125% (4.690) (4.440)

5.750% (4.041) (3.791) 5.625% (3.968) (3.718) 5.750% (3.411) (3.161) 6.000% (4.356) (4.106)

5.625% (3.726) (3.476) 5.500% (3.653) (3.403) 5.625% (3.096) (2.846) 5.875% (4.022) (3.772)

5.500% (3.411) (3.161) 5.375% (3.338) (3.088) 5.500% (2.781) (2.531) 5.750% (3.689) (3.439)

5.375% (3.096) (2.846) 5.250% (3.023) (2.773) 5.375% (2.466) (2.216) 5.625% (3.353) (3.103)

5.250% (2.781) (2.531) 5.125% (2.708) (2.458) 5.250% (2.151) (1.901) 5.500% (3.011) (2.761)

5.125% (2.466) (2.216) 5.000% (2.393) (2.143) 5.125% (1.836) (1.586) 5.375% (2.668) (2.418)

5.000% (2.151) (1.901) 4.875% (2.078) (1.828) 5.000% (1.494) (1.244) 5.250% (2.318) (2.068)

4.875% (1.836) (1.586) 4.750% (1.763) (1.513) 4.875% (1.179) (0.929) 5.125% (1.964) (1.714)

4.750% (1.494) (1.244) 4.625% (1.421) (1.171) 4.750% (0.882) (0.632) 5.000% (1.595) (1.345)

4.625% (1.138) (0.888) 4.500% (1.065) (0.815)

50.01%-55% 55.01%-60% 65.01-70% 70.01-75% 80.01-85% 85.01-90% 90.01-95%

-0.650 -0.600 -0.450 -0.250 0.350 1.100 1.800

-0.600 -0.550 -0.400 -0.200 0.450 1.200 1.900

-0.550 -0.500 -0.300 -0.100 0.650 1.300 2.100

-0.500 -0.450 -0.150 0.100 0.800 1.500 2.300

-0.450 -0.400 0.000 0.250 1.100 1.800 2.800

-0.400 -0.200 0.300 0.550 1.650 2.500 3.500

-0.150 0.000 0.600 0.850 2.500 3.500 4.500

-0.500 -0.500 -0.375 -0.375 -0.250 -0.250 -0.250

0.700 0.700 0.800 0.900 0.900 1.000 1.400

0.200 0.200 0.400 0.600 1.200 1.800 2.400

0.000 0.000 0.200 0.400 0.900 1.200 1.600

0.000 0.000 0.000 0.000 0.000 0.000 0.000

0.000 0.000 0.000 0.000 0.000 N/A N/A

0.250 0.250 0.350 0.350 0.500 N/A N/A

0.350 0.350 0.500 0.500 0.750 N/A N/A

0.000 0.125 0.250 0.250 0.375 N/A N/A

0.700 0.900 1.100 1.100 1.500 N/A N/A

-0.200 -0.200 -0.200 -0.300 -0.300 -0.300 -0.300

0.000 0.000 0.125 0.125 0.125 0.250 0.375

0.000 0.000 0.250 0.375 0.750 1.000 1.500

0.000 0.000 0.000 0.250 0.500 0.750 1.000

0.125 0.125 0.125 0.125 0.125 0.125 0.125

0.000 0.000 0.500 1.000 2.000 2.500 3.500

102.450 101.700

96.700 $60,000


7.375% (7.759) (7.509) 7.375% (7.992) (7.742) 7.250% (6.814) (6.564) 7.625% (8.293) (8.043)

7.250% (7.444) (7.194) 7.250% (7.677) (7.427) 7.125% (6.499) (6.249) 7.500% (7.959) (7.709)

7.125% (7.129) (6.879) 7.125% (7.362) (7.112) 7.000% (6.184) (5.934) 7.375% (7.626) (7.376)

7.000% (6.814) (6.564) 7.000% (7.047) (6.797) 6.875% (5.869) (5.619) 7.250% (7.292) (7.042)

6.875% (6.499) (6.249) 6.875% (6.732) (6.482) 6.750% (5.554) (5.304) 7.125% (6.958) (6.708)

6.750% (6.184) (5.934) 6.750% (6.417) (6.167) 6.625% (5.239) (4.989) 7.000% (6.624) (6.374)

6.625% (5.869) (5.619) 6.625% (6.102) (5.852) 6.500% (4.924) (4.674) 6.875% (6.291) (6.041)

6.500% (5.554) (5.304) 6.500% (5.787) (5.537) 6.375% (4.609) (4.359) 6.750% (5.957) (5.707)

6.375% (5.239) (4.989) 6.375% (5.472) (5.222) 6.250% (4.294) (4.044) 6.625% (5.623) (5.373)

6.250% (4.924) (4.674) 6.250% (5.157) (4.907) 6.125% (3.979) (3.729) 6.500% (5.289) (5.039)

6.125% (4.609) (4.359) 6.125% (4.842) (4.592) 6.000% (3.664) (3.414) 6.375% (4.956) (4.706)

6.000% (4.294) (4.044) 6.000% (4.527) (4.277) 5.875% (3.349) (3.099) 6.250% (4.622) (4.372)

5.875% (3.979) (3.729) 5.875% (4.212) (3.962) 5.750% (3.034) (2.784) 6.125% (4.288) (4.038)

5.750% (3.664) (3.414) 5.750% (3.897) (3.647) 5.625% (2.719) (2.469) 6.000% (3.954) (3.704)

5.625% (3.349) (3.099) 5.625% (3.582) (3.332) 5.500% (2.404) (2.154) 5.875% (3.621) (3.371)

5.500% (3.034) (2.784) 5.500% (3.267) (3.017) 5.375% (2.089) (1.839) 5.750% (3.283) (3.033)

5.375% (2.719) (2.469) 5.375% (2.952) (2.702) 5.250% (1.774) (1.524) 5.625% (2.942) (2.692)

5.250% (2.404) (2.154) 5.250% (2.637) (2.387) 5.125% (1.432) (1.182) 5.500% (2.599) (2.349)

5.125% (2.089) (1.839) 5.125% (2.322) (2.072) 5.000% (1.076) (0.826) 5.375% (2.249) (1.999)

5.000% (1.774) (1.524) 5.000% (2.007) (1.757) 4.875% (0.778) (0.528) 5.250% (1.895) (1.645)

4.875% (1.432) (1.182) 4.875% (1.692) (1.442) 4.750% (0.481) (0.231) 5.125% (1.526) (1.276)

4.750% (1.076) (0.826) 4.750% (1.350) (1.100)

50.01%-55% 55.01%-60% 65.01-70% 70.01-75% 80.01-85% 85.01-90% 90.01-95%

-0.450 -0.450 -0.200 -0.050 0.600 1.250 2.500

-0.450 -0.450 -0.150 0.000 0.700 1.350 2.750

-0.400 -0.350 -0.100 0.050 0.850 1.550 3.000

-0.300 -0.250 0.050 0.250 1.000 1.750 3.250

-0.150 -0.150 0.250 0.450 1.250 2.050 3.750

0.000 0.000 0.550 0.750 1.650 2.550 4.250

0.200 0.250 0.900 1.200 2.700 3.800 5.000

0.400 0.550 1.100 1.500 3.500 N/A N/A

0.800 1.100 2.000 2.500 5.000 N/A N/A

1.200 1.500 2.750 3.500 N/A N/A N/A

1.700 2.000 3.750 4.750 N/A N/A N/A

-0.250 -0.250 -0.250 -0.250 -0.375 -0.375 -0.375

0.400 0.600 0.800 0.800 0.800 0.900 1.200

0.400 0.400 0.600 0.800 N/A N/A N/A

0.300 0.300 0.500 0.700 1.400 1.800 2.600

0.200 0.200 0.400 0.400 1.100 1.600 2.200

0.000 0.000 0.400 0.600 0.600 0.800 N/A

0.000 0.000 0.000 0.000 0.200 0.300 0.500

0.000 0.000 0.000 0.000 0.000 0.000 0.000

0.000 0.000 0.000 0.000 0.200 N/A N/A

0.250 0.250 0.350 0.350 0.600 N/A N/A

0.400 0.400 0.500 0.500 0.750 N/A N/A

0.000 0.000 0.200 0.400 0.800 N/A N/A

0.500 0.900 1.200 1.500 2.500 N/A N/A

0.400 0.600 0.600 0.800 1.800 N/A N/A

-0.300 -0.300 -0.400 -0.500 -0.700 N/A N/A

-0.200 -0.200 -0.200 -0.300 -0.400 -0.400 -0.400

0.000 0.000 0.200 0.400 1.000 1.500 N/A

0.000 0.000 0.200 0.200 0.400 0.600 0.800

0.000 0.000 0.300 0.300 0.600 0.800 1.000

0.000 0.000 0.250 0.375 0.750 1.000 1.500

0.000 0.000 0.000 0.250 0.500 0.750 1.000

0.125 0.125 0.125 0.125 0.125 0.125 0.125

0.000 0.000 0.500 1.000 2.000 2.500 3.500

101.700 102.450

96.700 $60,000


Maximum Rebate/Price Cap* Choice Plus Conforming and Jumbo w/Loan Amount <=$1MM * Choice Plus Conforming and Jumbo w/Loan Amount >$1MMMinimum Price Maximum Premium Proceeds* Choice Plus Conforming and Jumbo ALL Loan Amounts * Choice Plus Conforming and Jumbo ALL Loan Amounts

Escrow Waiver 0.125 0.125 0.125


Reserves <9 Months 0.000 0.000 0.500

Reserves >=9 Months - 15 Months 0.000 0.000 0.375

Loan Amt >$1.5MM-$2.5MM 0.000 0.200 0.400

Loan Amt >$2.5MM-$3MM 0.000 0.300 0.600

DTI <=25% & Fico>=680 -0.200 -0.200 -0.300

DTI >43% & Fico >=680 0.000 0.000 0.600

Investment & Fico >=680 0.400 0.600 1.200

DTI <=25% & Fico <680 -0.300 -0.400 -0.500

2nd Home 0.000 0.200 0.600

Investment & Fico <680 0.500 1.200 2.000

3 Unit 0.250 0.350 0.600

4 Unit 0.400 0.500 0.750

Co-op 0.000 0.000 0.000

2 Unit 0.000 0.000 0.200

Addl Cashout LLPA (Non Full Doc) 0.000 0.200 0.600

Condo 0.000 0.000 0.000

Cashout & Fico 680-739 0.300 0.500 0.900

Cashout & Fico >=740 0.200 0.400 0.600


Cashout & Fico <680 0.400 0.600 N/A

600-619 Fico 1.500 2.750 5.750


640-659 Fico 0.600 1.400 3.000

620-639 Fico 1.000 2.000 4.500

680-699 Fico 0.000 0.450 1.500

660-679 Fico 0.200 0.750 2.000

720-739 Fico -0.200 -0.050 0.700

700-719 Fico -0.100 0.150 1.100

760-779 Fico -0.450 -0.250 0.250

740-759 Fico -0.300 -0.200 0.450

800+ Fico -0.500 -0.350 0.150

780-799 Fico -0.500 -0.300 0.200

CHOICE PLUS CONFORMING AND JUMBO


CHOICE PLUS CONFORMING AND JUMBO - PRICE ADJUSTMENTSFull Doc LTV/CLTV

<=50% 60.01-65% 75.01-80%

Maximum Rebate/Price Cap* Choice Conforming and Jumbo w/Loan Amount <=$1MM * Choice Conforming and Jumbo w/Loan Amount >$1MMMinimum Price Maximum Premium Proceeds* Choice Conforming and Jumbo ALL Loan Amounts * Choice Conforming and Jumbo ALL Loan Amounts

Escrow Waiver 0.125 0.125 0.125


Reserves <9 Months 0.000 0.000 0.500

Reserves >=9 Months - 15 Months 0.000 0.000 0.375

DTI <=25% & Fico >=680 -0.200 -0.200 -0.300

Loan Amt >$1.5MM-$2MM 0.000 0.000 0.125

2nd Home 0.000 0.125 0.375

Investment & Fico >=680 0.700 1.000 1.300

3 Unit 0.250 0.350 0.500

4 Unit 0.350 0.500 0.750

Co-op 0.000 0.000 0.000

2 Unit 0.000 0.000 0.000

Cashout & Fico >=680 - 739 0.200 0.400 0.800

Cashout & Fico >=740 0.000 0.200 0.600



700-719 Fico -0.450 0.050 1.050

680-699 Fico -0.300 0.300 1.450

740-759 Fico -0.550 -0.250 0.350

720-739 Fico -0.500 -0.200 0.750

780-799 Fico -0.650 -0.500 0.000

760-779 Fico -0.600 -0.400 0.100

60.01-65% 75.01-80%

800+ Fico -0.700 -0.550 -0.050



CHOICE CONFORMING AND JUMBO


CHOICE CONFORMING AND JUMBO - PRICE ADJUSTMENTSLTV/CLTV

<=50%

Documents

Base Pricing Assumes Borrower Paid Compensation · PRMG FHA VA Lender IDs Applicable to only Govt & Conv-Conf Fixed Loan Programs. Contact Secondary for fees on all other programs