For Previous BK, Foreclosure, Short Sale or Modification, must be downsizing the mortgage payment. www.fnba.com/mortgagebrokers resbrokers@fnba.com 1-800-400-5451

Property Type AdjustmentsSFOO/2nd Home (detached) 0.000%

Multi Family 0.500%SF Condo (attached) 0.500%

Mobile Homes with Land 1.000%Vacant land 2.000%

Owner Occupied 0.000%Non-Owner Occupied 1.000%

Loan Size Adjustments

Occupancy Adjustments

Term Adjustments

15 year -0.250% 10 year or less -0.500%

20 year 0.000%30 year (available for loans ≥ $75,000) 0.125%

Rate AdjustmentsLTV <= 50% -0.125%

Appraisals

<= $24,999 3.000%$25,000 to $74,999 1.000%$75,000 to $400,000 0.000%

Rates effective as of 08/09/17, subject to change without notice

For Wholesale use only. Not for distribution to the general public.

Gift as Part of Down Payment(Gift by non-occupant)

0.250%

Bank Statement Program 0.250%

If seller has owned home for fewer than 6 months, 2nd appraisal may be required to protect purchasers and lenders from “flips” with inflated sales prices.

“NEAR-MISS”PURCHASE PROGRAM

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

LTV and State Parameters LTV Limits

<= $24,999 Max 60% $25,000 - $74,999 loan Max 70% $75,000 - $100,000 loan Max 75% $100,001 - $400,000 loan Max 80% Rental, MH with Land, Multi Family Max 70% Condo / Townhome Max 75% 30-year term (80% if credit is ≥ 660) Max 75% Vacant Acreage Max 65% If Down Payment is 50% or more in Gifted Funds Max 75% State / Region Specific: New York, Ohio Max 70% Minimum Loan Amount $50,000

Adjustments forPrevious BK, Foreclosure,

Short Sale, & Modified

Credit & LTV <=60% 60.01-65% 65.01-70% 70.01-75%* 75.01-80%*>=740 6.000% 6.125% 6.250% 6.625% 6.750% 720-739 6.125% 6.250% 6.625% 6.750% 6.875% 700-719 6.250% 6.625% 6.750% 6.875% 7.000% 680-699 6.625% 6.750% 6.875% 7.000%660-679 6.750% 6.875% 7.000% 7.125%640-659 7.375% 7.500% 7.625%620-639 8.000% 8.125% 8.250%600-619 9.125% 9.250% 9.375%

579 and below Please Call Please CallNo Score Please Call Please Call

7.750%8.375%9.500%

7.125%7.250%7.875%

580-599 9.375% 9.500% 9.625% Floor rate 6.45%

www.fnba.com/mortgagebrokers resbrokers@fnba.com 1-800-400-5451

Property Type AdjustmentsSFOO/2nd Home (detached) 0.000%SF Condo (attached) 0.500%Multi-Family 0.500%Mobile Homes with Land 1.000%Vacant land 2.000%

Loan Size Adjustments<= $24,999 3.000%

Occupancy AdjustmentsOwner Occupied 0.000%Non Owner Occupied 1.000%

Term Adjustments

15 year -0.250% 10 year or less -0.500%

20 year 0.000%30 year (available for loans ≥ $75,000) 0.125%

Rate AdjustmentsLTV <= 40% -0.125%

Bank Statement Program 0.250%Cash-Out Refi 0.500%

Broker Fees Max 3.000%Cash-Out Refi 0.500%

First National Fees $1,625Cash-Out Refi 0.500%

Fees

No Cash-Out 0.000%

Cash-Out Refi* 0.500%

$75,000 to $400,000 0.000%$25,000 to $74,999 1.000%

Fees must be paid in cash at closing (bona fide third-party costs such as appraisal, title, credit, etc., may be financed).*If cash-out >$2,000 after loan payo�, closing costs, and prepaids.

“NEAR-MISS”REFINANCE PROGRAM

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

LTV and State Parameters LTV Limits

<= $24,999 Max 60% $25,000 - $74,999 loan Max 70% $75,000 - $100,000 loan Max 75% $100,001 - $400,000 loan Max 80% Rental, MH with Land, Multifamily Max 70% Condo / Townhome Max 75% 30-year term (80% if credit is ≥ 660) Max 75% Vacant Acreage Max 65% Cash Out Refinance Max 70%

New York, Ohio Max 70% Minimum Loan Amount $50,000

State/Region Specific:

Adjustments forPrevious BK, Foreclosure,

Short Sale, & Modified

Credit & LTV <=60% 60.01-65% 65.01-70% 70.01-75% 75.01-80%>=740 6.000% 6.125% 6.250% 6.625% 6.750% 720-739 6.125% 6.250% 6.625% 6.750% 6.875% 700-719 6.250% 6.625% 6.750% 6.875% 7.000% 680-699 6.625% 6.750% 6.875% 7.000%660-679 6.750% 6.875% 7.000% 7.125%640-659 7.375% 7.500% 7.625%620-639 8.000% 8.125% 8.250%600-619 9.125% 9.250% 9.375%580-599 9.375% 9.500% 9.625%579 and below Please Call Please CallNo Score Please Call Please Call

7.750%8.375%9.500%

7.125%7.250%7.875%

For Wholesale use only. Not for distribution to the general public.

Floor rate 6.45%

Rates effective as of 08/09/17, subject to change without notice

Property Type Adjustments

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

Loan Size Adjustments

$75,000 to $400,000 0.000%$400,001 + See Jumbo Rate Sheet

Terms Adjustments

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

Rate Adjustments

Bank Statement Program 0.250% Ready Asset Program (Veri�ed Assets) 0.250%Cash-Out Re�* 0.500%Gift Funds 0.250%

<=60%

5.750%

6.000%

6.125%

60.01-65%

6.000%

6.125%

6.250%

65.01-70%

6.125%

6.250%

6.500%

70.01-75%

6.375%

6.500%

6.625%

75.01-80%

6.500%

6.625%

7.000%

LTV and State Parameters

Condo/Townhome

Cash Out Re�nance

State / Region Speci�c:

New York, Ohio

Requirements

No Bankruptcy, foreclosure, or short sale within 4 years

Minimum 3 trade lines reporting 12+ months. Do not have to be active.

Please see Near Miss rate sheet if loan does not meet above requirements

LTV Limits

Max 75%

Max 70%

Max 70%

Credit & LTV

>= 720

700-719

680-699

For Wholesale use only. Not for distribution to the general public.

ALT-A PREMIER

Rates effective as of 07/18/17, subject to change without noticeFloor Rate = 5.750%

www.fnba.com/mortgagebrokers resbrokers@fnba.com 1-800-400-5451

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

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

Property Type Adjustments

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

Loan Size Adjustments

$400,001 to $1,500,000 0.000%$1,500,001 to $3,000,000 0.250%$3,000,001 to $6,000,000 0.500%

Terms Adjustments

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

Rate Adjustments

LTV <= 50% -0.125%Bank Statement Program 0.250% Cash-Out Re�** 0.250%

Purchase Money Mortgage

Gift as part of Down Payment 0.250%(Gift by non-occupant)

<=60%

6.300%

6.425%

6.550%

6.925%

7.050%

7.675%

60.01-65%

6.425%

6.550%

6.925%

7.050%

7.175%

7.800%

65.01-70%

6.550%

6.925%

7.050%

7.175%

7.300%

7.925%

70.01-75%

6.925%

7.050%

7.175%

7.300%

7.425%

8.050%

LTV and State Parameters$400,001 - $1,000,000 loan

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

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

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

Condo/Townhome

Cash Out Re�nance

State / Region Speci�c

New York, Ohio

LTV Limits*Max 75%

Max 65%

Max 60%

Max 55%

Max 70%

Max 60%

Max 70%

Credit & LTV

>= 740

720-739

700-719

680-699

660-679

640-659

For Wholesale use only. Not for distribution to the general public.

JUMBO LOAN PROGRAM

Rates effective as of 04/24/17, subject to change without notice

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

*These LTV's may be lowered for homes that are not in neighborhoods with similarly priced homes.**If cash-out >$2,000 after loan payo�, closing costs, and prepaids.

Floor Rate = 6.300%

www.fnba.com/mortgagebrokers resbrokers@fnba.com 1-800-400-5451

Adjustments forPrevious BK, Foreclosure,

Short Sale, & Modified

Property Type Adjustments

SFOO/2nd Home (detached) 0.000%SF Condo (attached) 0.500%Multi Family 0.500%Mobile Homes with Land 1.000%Vacant Land 2.000%

Occupancy Adjustments

Owner Occupied 0.000%Non Owner Occupied 1.000%

Loan Size Adjustments

$75,000 to $99,999 0.750%$100,000 to $400,000 0.000%$400,001 to $750,000 0.500%$750,001 to $900,000 Call For Pricing

Terms Adj: Fixed Rate

10 years or less -0.500%15 year -0.250%20 year -0.000%

Rate Adjustments

LTV <= 50% -0.125%Cash-Out Re�* 0.250%

Appraisals

If seller has owned home for fewer than 6 months, 2nd appraisal may be required to protect purchasers and lenders from “�ips” with in�ated sales prices.

FOREIGN NATIONALLOAN PROGR AM

Rates e�ective as of 04/24/17, subject to change without notice

<=60%6.750%

60.01-65%6.875%

65.01-70%7.000%

No Rehabs from the past 12 months

LTV ParametersCash Out Re�nance

$75,000 - $125,000 loan

$125,001 - $400,000 loan

$400,001 - $900,000 loan

Rental, MH with Land, Multifamily, 2nd Home, and Condo

43.01% DTI and Greater

Vacant Acreage

LTV LimitsMax 50%

Max 70%

Max 70%

Max 70%

Max 70%

Max 70%

Max 60%

www.fnba.com/foreignnationals fn loans@fnba.com 1-844-834-0025

LT V

R ate

For Wholesale use only. Not for distribution to the general public.

Floor Rate 6.45%

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