Effective: 6/1/20188:45 AM

NMLS# 3001

15 Day

30 Day

45 Day

60 Day

Expiration DatesMonday, June 18, 2018

Monday, July 2, 2018

Monday, July 16, 2018

Tuesday, July 31, 2018

RATES ARE QUOTED AS BORROWER PAID PRICING. Lender Paid Transactions: Broker may not charge an origination fee.

Lender Paid Comp will appear on the CD in block A for the first time in accordance with your lender paid comp agreement with CCMC

Borrower Paid Compensation must appear in Block A thoughout the transaction, and may not exceed your Lender Paid Comp agreement

DAILY RATE SHEET

PRIME JUMBO - 700 FICO TO $1,000,000!✓As little as 6 months of reserves!✓Up to 43% dti!SINGLE SUBMISSION COMBO TO 89.99% LTV!✓FICO's down to 700!✓R/T first with C/O 2nd lien available!

TO LOCKhttps://connect.ccmclending.com

FOR PRICING & SCENARIOSwsproduction@ccmclending.com503-536-2471

Brian JohnsonMatt Parrott

*Overnight rate/ price protection for loans locked via Connect

Extensions.025 per day

3 extensions allowed

HAZARD/ FLOOD INS. MORTGAGEE CLAUSECherry Creek Mortgage Co, Inc., ISAOA7600 E Orchard Road, #250-NGreenwood Village, CO 80111

FHA ID #7107500004

VA ID #2353070000

UNDERWRITING FEE$895.00

A LITTLE HELP FROM MY FRIENDSJason Keller Production Coordinator 503-536-2481 jkeller@ccmclending.comLeslie Grover Production Coordinator 503-536-2478 lgrover@ccmclending.comMatt Parrott Inside Sales 503-536-2479 mparrott@ccmclending.comBrian Johnson Inside Sales Manger 503-536-2475 bjohnson@ccmclending.comDerek Conrad Account Executive 503-536-2482 dconrad@ccmclending.comBrian Carlsen Sr. Credit Policy Manager bcarlsen@ccmclending.comBryan Ashby VP, Operations - West Coast 503-305-3584 bashby@ccmclending.comSean McCluskey SVP, National Production Mgr. 503-536-2472 smccluskey@ccmclending.com

all program specific guidelines apply

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All Pricing are indications only and are subject to change without notification

SRP is Included in base pricing

Pricing is based on Best Efforts delivery

FNMA 30 Yr Fixed C30 FNMA 20 Yr Fixed C20 FNMA 15 Yr Fixed C15

Rate 15 day 30 day 45 day 60 day Rate 15 day 30 day 45 day 60 day Rate 15 day 30 day 45 day 60 day

5.750 106.000 106.000 105.984 105.984 5.750 105.490 105.427 105.338 105.338 4.875 103.737 103.702 103.633 103.6335.500 105.686 105.633 105.551 105.462 5.375 105.315 105.254 105.159 105.061 4.750 103.380 103.335 103.267 103.2675.375 105.312 105.259 105.177 105.088 5.250 105.028 104.967 104.872 104.774 4.625 103.089 103.012 102.970 102.9445.250 104.880 104.827 104.745 104.656 5.125 104.727 104.666 104.571 104.473 4.500 102.726 102.692 102.641 102.5865.125 104.348 104.295 104.213 104.124 5.000 104.215 104.154 104.058 103.961 4.375 102.252 102.210 102.144 102.0715.000 103.692 103.639 103.557 103.468 4.875 103.788 103.736 103.654 103.571 4.250 101.898 101.864 101.813 101.7584.875 103.166 103.122 103.054 102.979 4.750 103.452 103.399 103.318 103.235 4.125 101.751 101.718 101.666 101.6114.750 102.686 102.642 102.574 102.499 4.625 103.079 103.027 102.946 102.863 4.000 101.269 101.235 101.184 101.1294.625 102.128 102.084 102.016 101.941 4.500 102.574 102.522 102.440 102.357 3.875 100.813 100.780 100.729 100.6734.500 101.479 101.435 101.366 101.292 4.375 101.965 101.913 101.832 101.749 3.750 100.354 100.321 100.269 100.214

FNMA 30 Yr Fixed High Balance C30HB FNMA 15 Yr Fixed High Balance C15HB FNMA 30 Yr Fixed Home Ready C30HR

Rate 15 day 30 day 45 day 60 day Rate 15 day 30 day 45 day 60 day Rate 15 day 30 day 45 day 60 day

5.375 103.929 103.861 103.861 103.731 4.875 102.476 102.382 102.356 102.262 5.875 106.000 106.000 106.000 106.000

5.250 103.431 103.360 103.360 103.233 4.750 102.110 102.016 101.989 101.896 5.750 105.885 105.822 105.734 105.734

5.125 102.947 102.884 102.872 102.718 4.625 101.787 101.693 101.666 101.573 5.500 105.436 105.383 105.301 105.212

5.000 102.660 102.597 102.539 102.446 4.500 101.360 101.297 101.240 101.240 5.375 105.062 105.009 104.927 104.838

4.875 102.278 102.189 102.189 102.095 4.375 101.345 101.252 101.225 101.131 5.250 104.630 104.577 104.495 104.406

4.750 101.759 101.670 101.670 101.576 4.250 100.968 100.874 100.848 100.754 5.125 104.098 104.045 103.963 103.874

4.625 101.153 101.080 101.064 100.970 4.125 100.622 100.528 100.502 100.408 5.000 103.442 103.389 103.307 103.218

4.500 100.556 100.493 100.405 100.342 4.000 100.106 100.012 99.986 99.892 4.875 102.916 102.872 102.804 102.729

4.375 100.005 99.946 99.946 99.852 3.875 99.632 99.478 99.478 99.346 4.750 102.436 102.392 102.324 102.249

4.250 99.418 99.360 99.360 99.266 3.750 99.508 99.445 99.405 99.405 4.625 101.878 101.834 101.766 101.691

Agency Fixed Fico/LTV Grid - Term > 15 years

FICO\LTV <=60 60.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97 Loan Amt <50k - not allowed n/a

>=740 0.000 (0.250) (0.250) (0.500) (0.250) (0.250) (0.250) (0.750) Loan Amt >=50k and <=75k (2.000)

720-739 0.000 (0.250) (0.500) (0.750) (0.500) (0.500) (0.500) (1.000) Loan Amt >75k and <=100k (1.000)

700-719 0.000 (0.500) (1.000) (1.250) (1.000) (1.000) (1.000) (1.500) Loan Amt >100k and <=125k (0.500)

680-699 0.000 (0.500) (1.250) (1.750) (1.500) (1.250) (1.250) (1.500) Loan Amt >125k and <=200k (0.125)

660-679 0.000 (1.000) (2.250) (2.750) (2.750) (2.250) (2.250) (2.250) Loan Amt >200k and <=300k 0.000

640-659 (0.500) (1.250) (2.750) (3.000) (3.250) (2.750) (2.750) (2.750) Loan Amt >300k-453,100 0.050

620-639 (0.500) (1.500) (3.000) (3.000) (3.250) (3.250) (3.250) (3.500)

FICO\LTV <=60 60.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97 AZ, CA (0.100)

>=740 (0.375) (0.625) (0.625) (0.875) n/a n/a n/a n/a OK, TX 0.250

720-739 (0.375) (1.000) (1.000) (1.125) n/a n/a n/a n/a All Other States 0.000

700-719 (0.375) (1.000) (1.000) (1.125) n/a n/a n/a n/a

680-699 (0.375) (1.125) (1.125) (1.750) n/a n/a n/a n/a Home Ready Adjustment Caps* LLPA Cap

660-679 (0.625) (1.125) (1.125) (1.875) n/a n/a n/a n/a LTV > 80% and Credit Score ≥ 680 0.000

640-659 (0.625) (1.625) (1.625) (2.625) n/a n/a n/a n/a All other LTV's and credit scores 1.500

620-639 (0.625) (1.625) (1.625) (3.125) n/a n/a n/a n/a

LLPA by Product Feature (**these adjustments are included regardless of Home Ready LLPA Cap)

Product Feature <=60 60.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97 ALL loans with subordinate financing (0.375)

High LTV 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 PLUS the following LLPA's apply

Investment Property (2.125) (2.125) (2.125) (3.375) (4.125) n/a n/a n/a CLTV <720 >=720

Condo (>15 Yr Term) 0.000 0.000 0.000 (0.750) (0.750) (0.750) (0.750) (0.750) <= 65 80.01-95 (0.500) (0.250)

2-Unit Property (1.000) (1.000) (1.000) (1.000) (1.000) n/a n/a n/a 65.01-75 80.01-95 (0.750) (0.500)

3-4 Unit Property (1.000) (1.000) (1.000) n/a n/a n/a n/a n/a 75.01-95 90.01-95 (1.000) (0.750)

Manuf Home (1.000) (1.000) (1.000) (1.000) (1.000) (1.000) (1.000) n/a 75.01-90 75.01-90 (1.000) (0.750)

Escrow Waiver (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) n/a n/a Any >95 (1.500) (1.500)

**CA Only 80.01-90

High Balance Price Adjustments

High Balance Cashout (1.000) (1.000) (1.000) n/a n/a n/a n/a n/a

Loans with Subordinate Financing

(non-community 2nd)

LTV

6/1/2018 8:45

Fannie Mae Products - Fixed & High Balance

Agency Price Adjustments (Includes FNMA & High Balance)

Loan Amount Adjustments

(*not subject to Home Ready Adjustment Cap)

Cash Out Refinance Fico/LTV GridState Adjustments

(*not subject to Home Ready Adjustment Cap)

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FNMA 30 Yr Fixed CT30SIMI FNMA 20 Yr Fixed CT20SIMI FNMA 15 Yr Fixed CF15SIMI

Rate 15 day 30 day 45 day 60 day Rate 15 day 30 day 45 day 60 day Rate 15 day 30 day 45 day 60 day5.750 106.000 106.000 105.984 105.984 5.750 105.490 105.427 105.338 105.338 4.875 103.737 103.702 103.633 103.6335.500 105.686 105.633 105.551 105.462 5.375 105.315 105.254 105.159 105.061 4.750 103.380 103.335 103.267 103.2675.375 105.312 105.259 105.177 105.088 5.250 105.028 104.967 104.872 104.774 4.625 103.089 103.012 102.970 102.9445.250 104.880 104.827 104.745 104.656 5.125 104.727 104.666 104.571 104.473 4.500 102.726 102.692 102.641 102.5865.125 104.348 104.295 104.213 104.124 5.000 104.215 104.154 104.058 103.961 4.375 102.252 102.210 102.144 102.0715.000 103.692 103.639 103.557 103.468 4.875 103.788 103.736 103.654 103.571 4.250 101.898 101.864 101.813 101.7584.875 103.166 103.122 103.054 102.979 4.750 103.452 103.399 103.318 103.235 4.125 101.751 101.718 101.666 101.6114.750 102.686 102.642 102.574 102.499 4.625 103.079 103.027 102.946 102.863 4.000 101.269 101.235 101.184 101.1294.625 102.128 102.084 102.016 101.941 4.500 102.574 102.522 102.440 102.357 3.875 100.813 100.780 100.729 100.6734.500 101.479 101.435 101.366 101.292 4.375 101.965 101.913 101.832 101.749 3.750 100.354 100.321 100.269 100.214

Lender Paid Single

Coverage 800+ 780-799 760-779 740-759 720-739 700-719 680-699 660-679 640-659 620-63935%

30% (1.60) (1.60) (1.60) (2.25) (2.80) (3.30) n/a n/a n/a n/a

25% (1.20) (1.20) (1.20) (1.70) (2.10) (2.50) (3.05) n/a n/a n/a

12% (0.62) (0.62) (0.62) (0.75) (0.90) (1.00) (1.15) (1.55) (1.70) (1.85)

800+ 780-799 760-779 740-759 720-739 700-719 680-699 660-679 640-659 620-639

0.18 0.18 0.18 0.18 0.18 0.28 0.28 0.39 0.39 0.39

(0.50) (0.50) (0.50) (0.50) (0.70) (1.00) (1.00) (1.30) (1.30) (1.30)

(1.19) (1.19) (1.33) (1.75) (1.75) (1.75) (1.75) n/a n/a n/a

(1.19) (1.19) (1.33) (1.75) (1.75) (1.75) n/a n/a n/a n/a

0.00 0.00 0.00 0.00 0.00 (0.53) (0.53) (1.05) (1.05) (1.05)

(0.50) (0.50) (0.50) (0.50) (0.70) (1.00) (1.00) (1.30) (1.30) (1.30)

(0.25) (0.25) (0.25) (0.25) (0.49) (0.70) (0.70) (1.23) (1.23) (1.23)

Agency Fixed Fico/LTV Grid - Term > 15 years Loan Amount Adjustments

FICO\LTV <=60 60.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97 Loan Amt <50k - not allowed n/a

>=740 0.000 (0.250) (0.250) (0.500) (0.250) (0.250) (0.250) (0.750) Loan Amt >=50k and <=75k (2.000)

720-739 0.000 (0.250) (0.500) (0.750) (0.500) (0.500) (0.500) (1.000) Loan Amt >75k and <=100k (1.000)

700-719 0.000 (0.500) (1.000) (1.250) (1.000) (1.000) (1.000) (1.500) Loan Amt >100k and <=125k (0.500)

680-699 0.000 (0.500) (1.250) (1.750) (1.500) (1.250) (1.250) (1.500) Loan Amt >125k and <=200k (0.125)

660-679 0.000 (1.000) (2.250) (2.750) (2.750) (2.250) (2.250) (2.250) Loan Amt >200k and <=300k 0.000

640-659 (0.500) (1.250) (2.750) (3.000) (3.250) (2.750) (2.750) (2.750) Loan Amt >300k-453,100 0.050

620-639 (0.500) (1.500) (3.000) (3.000) (3.250) (3.250) (3.250) (3.500)

State Adjustments

FICO\LTV <=60 60.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97 AZ, CA (0.100)

>=740 (0.375) (0.625) (0.625) (0.875) n/a n/a n/a n/a OK, TX 0.250

720-739 (0.375) (1.000) (1.000) (1.125) n/a n/a n/a n/a All Other States 0.000

700-719 (0.375) (1.000) (1.000) (1.125) n/a n/a n/a n/a

680-699 (0.375) (1.125) (1.125) (1.750) n/a n/a n/a n/a

660-679 (0.625) (1.125) (1.125) (1.875) n/a n/a n/a n/a

640-659 (0.625) (1.625) (1.625) (2.625) n/a n/a n/a n/a

620-639 (0.625) (1.625) (1.625) (3.125) n/a n/a n/a n/a

Product Feature <=60 60.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97

High LTV 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000

Investment Property (2.125) (2.125) (2.125) (3.375) (4.125) n/a n/a n/a

Condo (>15 Yr Term)** 0.000 0.000 0.000 (0.750) (0.750) (0.750) (0.750) (0.750)

2-Unit Property (1.000) (1.000) (1.000) (1.000) (1.000) n/a n/a n/a

3-4 Unit Property (1.000) (1.000) (1.000) n/a n/a n/a n/a n/a

Manuf Home (DU Only) (1.000) (1.000) (1.000) (1.000) (1.000) (1.000) (1.000) n/a

Escrow Waiver (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) n/a n/a

**not applicable to detached condominiums (identified by SFC 588) (CA Only 80.01-90)

Cash Out Refinance Fico/LTV Grid

LLPA by Product Feature

Investment

3-4 Unit

Rate/Term

Manufactured

Second Home

Agency Price Adjustments

90.01-95%

85.01-90%

80.01-85%

Adjustments

20 Year Term and Under

Cash-Out Refinance

6/1/2018 8:45

FNMA with LPMI

LPMI Adjustments (cumulative with the standard Agency Price Adjustments)

Fico

LTV

95.01-97% Not Available at this time

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FHLMC 30 Yr Fixed C30LP FHLMC 20 Yr Fixed C20LP FHLMC 15 Yr Fixed C15LP

Rate 15 day 30 day 45 day 60 day Rate 15 day 30 day 45 day 60 day Rate 15 day 30 day 45 day 60 day

5.750 106.000 106.000 105.920 105.831 5.750 106.000 106.000 106.000 106.000 4.875 103.885 103.829 103.768 103.692

5.500 105.615 105.564 105.478 105.408 5.625 105.915 105.882 105.790 105.700 4.750 103.404 103.350 103.289 103.214

5.375 105.229 105.175 105.088 105.017 5.500 105.610 105.509 105.403 105.287 4.625 102.959 102.907 102.847 102.773

5.250 104.717 104.662 104.575 104.503 5.375 105.303 105.201 105.095 104.980 4.500 102.626 102.574 102.514 102.442

5.125 104.280 104.225 104.138 104.066 5.250 104.979 104.878 104.773 104.658 4.375 102.308 102.268 102.225 102.170

5.000 103.642 103.593 103.521 103.417 5.125 104.597 104.497 104.392 104.278 4.250 101.919 101.879 101.837 101.782

4.875 103.138 103.090 103.018 102.913 5.000 104.105 104.030 103.947 103.797 4.125 101.668 101.628 101.586 101.532

4.750 102.565 102.515 102.442 102.336 4.875 103.774 103.699 103.616 103.466 4.000 101.194 101.154 101.112 101.060

4.625 102.006 101.957 101.884 101.779 4.750 103.417 103.342 103.261 103.112 3.875 100.751 100.723 100.673 100.625

4.500 101.464 101.420 101.362 101.260 4.625 102.960 102.888 102.807 102.659 3.750 100.278 100.250 100.201 100.153

FHLMC 30 Yr Fixed Super Conforming C30LPHB FHLMC 15 Yr Fixed Super Conforming C15LPHB FHLMC 30 Yr Fixed Home Possible C30HP, C30HPA

Rate 15 day 30 day 45 day 60 day Rate 15 day 30 day 45 day 60 day Rate 15 day 30 day 45 day 60 day

5.750 105.000 105.000 104.920 104.831 4.875 102.885 102.829 102.768 102.692 5.875 106.000 106.000 106.000 105.955

5.625 104.615 104.582 104.490 104.399 4.750 102.404 102.350 102.289 102.214 5.750 105.793 105.761 105.670 105.581

5.500 104.357 104.305 104.219 104.150 4.625 101.959 101.907 101.847 101.773 5.500 105.365 105.314 105.228 105.158

5.375 103.950 103.896 103.809 103.738 4.500 101.626 101.574 101.514 101.442 5.375 104.979 104.925 104.838 104.767

5.250 103.488 103.433 103.346 103.274 4.375 101.308 101.268 101.225 101.170 5.250 104.467 104.412 104.325 104.253

5.125 103.136 103.081 102.994 102.922 4.250 100.919 100.879 100.837 100.782 5.125 104.030 103.975 103.888 103.816

5.000 102.528 102.480 102.408 102.304 4.125 100.668 100.628 100.586 100.532 5.000 103.392 103.343 103.271 103.167

4.875 102.058 102.010 101.938 101.833 4.000 100.194 100.154 100.112 100.060 4.875 102.888 102.840 102.768 102.663

4.750 101.539 101.489 101.416 101.310 3.875 99.751 99.723 99.673 99.625 4.750 102.315 102.265 102.192 102.086

4.625 101.006 100.957 100.884 100.779 3.750 99.278 99.250 99.201 99.153 4.625 101.756 101.707 101.634 101.529

Agency Fixed Fico/LTV Grid - Term > 15 years

FICO\LTV <=60 60.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97 Loan Amt <50k - not allowed n/a

>=740 0.000 (0.250) (0.250) (0.500) (0.250) (0.250) (0.250) (0.750) Loan Amt >=50k and <=75k (2.000)

720-739 0.000 (0.250) (0.500) (0.750) (0.500) (0.500) (0.500) (1.000) Loan Amt >75k and <=100k (1.000)

700-719 0.000 (0.500) (1.000) (1.250) (1.000) (1.000) (1.000) (1.500) Loan Amt >100k and <=125k (0.500)

680-699 0.000 (0.500) (1.250) (1.750) (1.500) (1.250) (1.250) (1.500) Loan Amt >125k and <=200k (0.125)

660-679 0.000 (1.000) (2.250) (2.750) (2.750) (2.250) (2.250) (2.250) Loan Amt >200k and <=300k 0.000

640-659 (0.500) (1.250) (2.750) (3.000) (3.250) (2.750) (2.750) (2.750) Loan Amt >300k-453,100 0.050

620-639 (0.500) (1.500) (3.000) (3.000) (3.250) (3.250) (3.250) (3.500)

FICO\LTV <=60 60.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97 AZ, CA (0.100)

>=740 (0.375) (0.625) (0.625) (0.875) n/a n/a n/a n/a OK, TX 0.250

720-739 (0.375) (1.000) (1.000) (1.125) n/a n/a n/a n/a All Other States 0.000

700-719 (0.375) (1.000) (1.000) (1.125) n/a n/a n/a n/a

680-699 (0.375) (1.125) (1.125) (1.750) n/a n/a n/a n/a Home Possible Adjustments** LLPA Cap

660-679 (0.625) (1.125) (1.125) (1.875) n/a n/a n/a n/a LTV > 80% and Credit Score ≥ 680 0.000

640-659 (0.625) (1.625) (1.625) (2.625) n/a n/a n/a n/a All other LTV's and credit scores 1.500

620-639 (0.625) (1.625) (1.625) (3.125) n/a n/a n/a n/a

LLPA by Product Feature (**these adjustments are included regardless of Home Possible LLPA Cap)

Product Feature <=60 60.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97 ALL loans with subordinate financing (0.375)

High LTV 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 PLUS the following LLPA's apply

Investment Property (2.125) (2.125) (2.125) (3.375) (4.125) n/a n/a n/a CLTV <720 >=720

Condo (>15 Yr Term) 0.000 0.000 0.000 (0.750) (0.750) (0.750) (0.750) (0.750) <= 65 80.01-95 (0.500) (0.250)

2-Unit Property (1.000) (1.000) (1.000) (1.000) (1.000) n/a n/a n/a 65.01-75 80.01-95 (0.750) (0.500)

3-4 Unit Property (1.000) (1.000) (1.000) n/a n/a n/a n/a n/a 75.01-95 90.01-95 (1.000) (0.750)

Manuf Home (1.000) (1.000) (1.000) (1.000) (1.000) (1.000) (1.000) n/a 75.01-90 75.01-90 (1.000) (0.750)

Escrow Waiver** (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) n/a n/a Any >95 (1.500) (1.500)

**CA Only 80.01-90

High Balance Price Adjustments

High Balance Cashout (1.000) (1.000) (1.000) n/a n/a n/a n/a n/a

Loans with Subordinate Financing

(non-community 2nd)

LTV

6/1/2018 8:45

Freddie Mac Products - Fixed & Super Conforming

Agency Price Adjustments (Includes FHLMC & Super Conforming)

Loan Amount Adjustments

(*not subject to Home Possible Adjustment Cap)

Cash Out Refinance Fico/LTV GridState Adjustments

(*not subject to Home Possible Adjustment Cap)

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FNMA 5/1 ARM C51 FNMA 7/1 ARM C71 FNMA 10/1 ARM C101

Rate 15 day 30 day 45 day 60 day Rate 15 day 30 day 45 day 60 day Rate 15 day 30 day 45 day 60 day

4.875 102.034 101.964 101.866 101.761 5.125 102.167 102.090 101.982 101.866 5.125 102.056 101.980 101.872 101.7564.750 101.888 101.821 101.728 101.627 5.000 102.138 102.065 101.962 101.851 5.000 101.969 101.896 101.793 101.6824.625 101.678 101.615 101.526 101.431 4.875 102.110 102.040 101.941 101.836 4.875 101.882 101.812 101.714 101.608

4.500 101.563 101.503 101.419 101.329 4.750 101.914 101.847 101.753 101.653 4.750 101.689 101.623 101.530 101.429

4.375 101.449 101.392 101.313 101.228 4.625 101.599 101.536 101.447 101.352 4.625 101.418 101.355 101.266 101.170

4.250 101.223 101.170 101.096 101.016 4.500 101.462 101.402 101.318 101.228 4.500 101.264 101.204 101.120 101.030

4.125 100.915 100.866 100.796 100.721 4.375 101.328 101.271 101.192 101.107 4.375 101.114 101.057 100.977 100.892

4.000 100.721 100.676 100.611 100.541 4.250 101.062 101.009 100.935 100.854 4.250 100.911 100.858 100.783 100.702

3.875 100.525 100.482 100.422 100.357 4.125 100.700 100.650 100.580 100.505 4.125 100.662 100.612 100.542 100.467

3.750 100.134 100.095 100.039 99.980 4.000 100.470 100.424 100.359 100.289 4.000 100.466 100.420 100.354 100.284

Agency Fixed Fico/LTV Grid - Term > 15 years Loan Amount Adjustments

FICO\LTV <=60 60.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97 Loan Amt <50k - not allowed n/a

>=740 0.000 (0.250) (0.250) (0.500) (0.250) (0.250) (0.500) (0.750) Loan Amt >=50k and <=75k (2.000)

720-739 0.000 (0.250) (0.500) (0.750) (0.500) (0.500) (0.750) (1.000) Loan Amt >75k and <=100k (1.000)

700-719 0.000 (0.500) (1.000) (1.250) (1.000) (1.000) (1.250) (1.500) Loan Amt >100k and <=125k (0.500)

680-699 0.000 (0.500) (1.250) (1.750) (1.500) (1.250) (1.500) (1.500) Loan Amt >125k and <=200k (0.125)

660-679 0.000 (1.000) (2.250) (2.750) (2.750) (2.250) (2.500) (2.250) Loan Amt >200k and <=300k 0.000

640-659 (0.500) (1.250) (2.750) (3.000) (3.250) (2.750) (3.000) (2.750) Loan Amt >300k-453,100 0.050

620-639 (0.500) (1.500) (3.000) (3.000) (3.250) (3.250) (3.500) (3.500)

State Adjustments

FICO\LTV <=60 60.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97 AZ, CA (0.100)

>=740 (0.375) (0.625) (0.625) (0.875) n/a n/a n/a n/a OK, TX 0.250

720-739 (0.375) (1.000) (1.000) (1.125) n/a n/a n/a n/a All Other States 0.000

700-719 (0.375) (1.000) (1.000) (1.125) n/a n/a n/a n/a

680-699 (0.375) (1.125) (1.125) (1.750) n/a n/a n/a n/a

660-679 (0.625) (1.125) (1.125) (1.875) n/a n/a n/a n/a

640-659 (0.625) (1.625) (1.625) (2.625) n/a n/a n/a n/a

620-639 (0.625) (1.625) (1.625) (3.125) n/a n/a n/a n/a

Product Feature <=60 60.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97 ALL loans with subordinate financing (0.375)

High LTV 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 PLUS the following LLPA's apply

Investment Property (2.125) (2.125) (2.125) (3.375) (4.125) n/a n/a n/a CLTV <720 >=720

Condo (>15 Yr Term)** 0.000 0.000 0.000 (0.750) (0.750) (0.750) (0.750) (0.750) <= 65 80.01-95 (0.500) (0.250)

2-Unit Property (1.000) (1.000) (1.000) (1.000) (1.000) n/a n/a n/a 65.01-75 80.01-95 (0.750) (0.500)

3-4 Unit Property (1.000) (1.000) (1.000) n/a n/a n/a n/a n/a 75.01-95 90.01-95 (1.000) (0.750)

Manuf Home (DU Only) (1.000) (1.000) (1.000) (1.000) (1.000) (1.000) (1.000) n/a 75.01-90 75.01-90 (1.000) (0.750)

Escrow Waiver (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) n/a n/a Any >95 (1.500) (1.500)

**not applicable to detached condominiums (identified by SFC 588) (CA Only 80.01-90)

Cash Out Refinance Fico/LTV Grid

LLPA by Product FeatureLoans with Subordinate Financing

(non-community 2nd)

LTV

6/1/2018 8:45

Fannie Mae Products - ARM

2.250% Margin - 2/2/5 CAPS - 1Yr Libor 2.250% Margin - 5/2/5 CAPS - 1Yr Libor 2.250% Margin - 5/2/5 CAPS - 1Yr Libor

FNMA Agency Price Adjustments

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FHLMC 5/1 ARM C51LP FHLMC 7/1 ARM C71LP FHLMC 10/1 ARM C101LP

Rate 15 day 30 day 45 day 60 day Rate 15 day 30 day 45 day 60 day Rate 15 day 30 day 45 day 60 day

4.875 102.034 101.964 101.866 101.761 5.125 102.167 102.167 102.167 102.167 5.125 102.056 101.980 101.872 101.7564.750 101.888 101.821 101.728 101.627 5.000 102.138 102.138 102.138 102.138 5.000 101.969 101.896 101.793 101.6824.625 101.678 101.615 101.526 101.431 4.875 102.110 102.110 102.110 102.110 4.875 101.882 101.812 101.714 101.608

4.500 101.563 101.503 101.419 101.329 4.750 101.914 101.914 101.914 101.914 4.750 101.689 101.623 101.530 101.429

4.375 101.449 101.392 101.313 101.228 4.625 101.599 101.599 101.599 101.599 4.625 101.418 101.355 101.266 101.170

4.250 101.223 101.170 101.096 101.016 4.500 101.462 101.462 101.462 101.462 4.500 101.264 101.204 101.120 101.030

4.125 100.915 100.866 100.796 100.721 4.375 101.328 101.328 101.328 101.328 4.375 101.114 101.057 100.977 100.892

4.000 100.721 100.676 100.611 100.541 4.250 101.062 101.062 101.062 101.062 4.250 100.911 100.858 100.783 100.702

3.875 100.525 100.482 100.422 100.357 4.125 100.700 100.700 100.700 100.700 4.125 100.662 100.612 100.542 100.467

3.750 100.134 100.095 100.039 99.980 4.000 100.470 100.470 100.470 100.470 4.000 100.466 100.420 100.354 100.284

Agency Fixed Fico/LTV Grid - Term > 15 years Loan Amount Adjustments

FICO\LTV <=60 60.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97 Loan Amt <50k - not allowed n/a

>=740 0.000 (0.250) (0.250) (0.500) (0.250) (0.250) (0.250) (0.750) Loan Amt >=50k and <=75k (2.000)

720-739 0.000 (0.250) (0.500) (0.750) (0.500) (0.500) (0.500) (1.000) Loan Amt >75k and <=100k (1.000)

700-719 0.000 (0.500) (1.000) (1.250) (1.000) (1.000) (1.000) (1.500) Loan Amt >100k and <=125k (0.500)

680-699 0.000 (0.500) (1.250) (1.750) (1.500) (1.250) (1.250) (1.500) Loan Amt >125k and <=200k (0.125)

660-679 0.000 (1.000) (2.250) (2.750) (2.750) (2.250) (2.250) (2.250) Loan Amt >200k and <=300k 0.000

640-659 (0.500) (1.250) (2.750) (3.000) (3.250) (2.750) (2.750) (2.750) Loan Amt >300k-453,100 0.050

620-639 (0.500) (1.500) (3.000) (3.000) (3.250) (3.250) (3.250) (3.500)

State Adjustments

FICO\LTV <=60 60.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97 AZ, CA (0.100)

>=740 (0.375) (0.625) (0.625) (0.875) n/a n/a n/a n/a OK, TX 0.250

720-739 (0.375) (1.000) (1.000) (1.125) n/a n/a n/a n/a All Other States 0.000

700-719 (0.375) (1.000) (1.000) (1.125) n/a n/a n/a n/a

680-699 (0.375) (1.125) (1.125) (1.750) n/a n/a n/a n/a

660-679 (0.625) (1.125) (1.125) (1.875) n/a n/a n/a n/a

640-659 (0.625) (1.625) (1.625) (2.625) n/a n/a n/a n/a

620-639 (0.625) (1.625) (1.625) (3.125) n/a n/a n/a n/a

Product Feature <=60 60.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97 ALL loans with subordinate financing (0.375)

High LTV 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 PLUS the following LLPA's apply

Investment Property (2.125) (2.125) (2.125) (3.375) (4.125) n/a n/a n/a CLTV <720 >=720

Condo (>15 Yr Term)** 0.000 0.000 0.000 (0.750) (0.750) (0.750) (0.750) (0.750) <= 65 80.01-95 (0.500) (0.250)

2-Unit Property (1.000) (1.000) (1.000) (1.000) (1.000) n/a n/a n/a 65.01-75 80.01-95 (0.750) (0.500)

3-4 Unit Property (1.000) (1.000) (1.000) n/a n/a n/a n/a n/a 75.01-95 90.01-95 (1.000) (0.750)

Manuf Home (DU Only) (1.000) (1.000) (1.000) (1.000) (1.000) (1.000) (1.000) n/a 75.01-90 75.01-90 (1.000) (0.750)

Escrow Waiver (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) n/a n/a Any >95 (1.500) (1.500)

**not applicable to detached condominiums (identified by SFC 588) (CA Only 80.01-90)

Cash Out Refinance Fico/LTV Grid

LLPA by Product FeatureLoans with Subordinate Financing

(non-community 2nd)

LTV

6/1/2018 8:45

Freddie Mac Products - ARM

2.250% Margin - 2/2/5 CAPS - 1Yr Libor 2.250% Margin - 5/2/5 CAPS - 1Yr Libor 2.250% Margin - 5/2/5 CAPS - 1Yr Libor

FHLMC Agency Price Adjustments

6 of 9

DU RefiPlus 30 Yr Fixed (<105) C30R DU RefiPlus 30 Yr Fixed (>105-125) C30R2 DU RefiPlus 30 Yr Fixed (>125-150) C30R3

Rate 15 day 30 day 45 day 60 day Rate 15 day 30 day 45 day 60 day Rate 15 day 30 day 45 day 60 day

5.750 106.000 106.000 106.000 106.000 5.750 106.000 106.000 106.000 106.000 5.750 106.000 106.000 106.000 106.000

5.625 105.765 105.712 105.630 105.541 5.625 105.765 105.712 105.630 105.541 5.625 105.765 105.712 105.630 105.541

5.500 105.686 105.633 105.551 105.462 5.500 105.686 105.633 105.551 105.462 5.500 105.428 105.375 105.293 105.204

5.375 105.312 105.259 105.177 105.088 5.375 105.312 105.259 105.177 105.088 5.375 105.033 104.980 104.898 104.809

5.250 104.880 104.827 104.745 104.656 5.250 104.880 104.827 104.745 104.656 5.250 104.651 104.598 104.516 104.427

5.125 104.348 104.295 104.213 104.124 5.125 104.348 104.295 104.213 104.124 5.125 104.205 104.152 104.070 103.981

5.000 103.692 103.639 103.557 103.468 5.000 103.692 103.639 103.557 103.468 5.000 103.579 103.526 103.444 103.355

4.875 103.166 103.122 103.054 102.979 4.875 103.166 103.122 103.054 102.979 4.875 103.086 103.042 102.974 102.899

4.750 102.686 102.642 102.574 102.499 4.750 102.686 102.642 102.574 102.499 4.750 102.660 102.616 102.548 102.473

4.625 102.152 102.108 102.040 101.966 4.625 102.152 102.108 102.040 101.966 4.625 102.152 102.108 102.040 101.966

Loan Amount Adjustments Not Subject to Caps

FICO\LTV <=60 60.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-150 Loan Amt <50k - not allowed n/a

>=740 0.000 (0.250) (0.250) (0.250) 0.000 0.000 0.000 0.000 Loan Amt >=50k and <=75k (2.000)

720-739 0.000 (0.250) (0.250) (0.250) 0.000 0.000 0.000 0.000 Loan Amt >75k and <=100k (1.000)

700-719 0.000 (0.500) (0.750) (0.750) (0.500) (0.500) (0.500) (0.500) Loan Amt >100k and <=125k (0.500)

680-699 0.000 (0.500) (0.750) (0.750) (0.750) (0.750) (0.750) (0.750) Loan Amt >125k and <=200k (0.125)

660-679 0.000 (1.000) (1.500) (1.750) (1.750) (1.750) (1.750) (1.750) Loan Amt >200k and <=300k 0.000

640-659 (0.500) (1.250) (2.000) (2.250) (2.250) (2.250) (2.250) (2.250) Loan Amt >300k-453,100 0.050

620-639 (0.500) (1.500) (2.500) (2.750) (2.750) (2.750) (2.750) (2.750) LTV 105.01-125 (0.250)

LTV 125.01 - 150 (0.500)

Investment Property > 80% LTV n/a

<=60 60.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-150 Escrow Waiver (0.125)

Investment Property (2.125) (2.125) (2.125) (3.375) n/a n/a n/a n/a

Condo (>15 Yr Term)** 0.000 0.000 0.000 (0.750) (0.750) (0.750) (0.750) (0.750) State Adjustments

2-Unit Property (1.000) (1.000) (1.000) (1.000) (1.000) (1.000) (1.000) (1.000) AZ, CA (0.100)

3-4 Unit Property (1.000) (1.000) (1.000) (1.000) (1.000) (1.000) (1.000) (1.000) OK, TX 0.250

Manuf Home (DU Only) ineligible All Other States 0.000

**not applicable to detached condominiums (identified by SFC 588)

DU Refi Plus Loans with Subordinate Financing

ALL loans with subordinate financing (0.375) Occupancy

PLUS the following LLPA's apply Owner Occupied

LTV CLTV <720 >=720 Second Home

<= 65 80.01-95 (0.500) (0.250) Investment Property

65.01-75 80.01-95 (0.750) (0.500)

75.01-95 90.01-95 (1.000) (0.750)

75.01-90 75.01-90 (1.000) (0.750)

Any >95 (1.500) (1.500)

no limit -2.000

Maximum Price AdjustmentsLTV <= 80 LTV > 80

no limit -0.750

no limit -2.000

6/1/2018 8:45

Fannie Mae DU Refi Plus - HARP

DU Refi Plus Level Price Adjustments

DU Refi Plus Fixed & Arm Fico/LTV Grid - Term > 15 years

LLPA by Product FeatureProduct Feature

7 of 9

Open Access 30 Yr Fixed (<105) C30OA Open Access 30 Yr Fixed (>105-125) C30OA2 Open Access 30 Yr Fixed (>125-150) C30OA3

Rate 15 day 30 day 45 day 60 day Rate 15 day 30 day 45 day 60 day Rate 15 day 30 day 45 day 60 day

5.625 105.500 105.500 105.490 105.399 5.875 105.413 105.383 105.293 105.205 5.875 104.413 104.383 104.293 104.205

5.500 105.357 105.305 105.219 105.150 5.750 105.043 105.011 104.920 104.831 5.750 104.043 104.011 103.920 103.831

5.375 104.950 104.896 104.809 104.738 5.625 104.615 104.582 104.490 104.399 5.625 103.615 103.582 103.490 103.399

5.250 104.488 104.433 104.346 104.274 5.500 104.357 104.305 104.219 104.150 5.500 103.357 103.305 103.219 103.150

5.125 104.136 104.081 103.994 103.922 5.375 103.950 103.896 103.809 103.738 5.375 102.950 102.896 102.809 102.738

5.000 103.528 103.480 103.408 103.304 5.250 103.488 103.433 103.346 103.274 5.250 102.488 102.433 102.346 102.274

4.875 103.058 103.010 102.938 102.833 5.125 103.136 103.081 102.994 102.922 5.125 102.136 102.081 101.994 101.922

4.750 102.539 102.489 102.416 102.310 5.000 102.528 102.480 102.408 102.304 5.000 101.528 101.480 101.408 101.304

4.625 102.006 101.957 101.884 101.779 4.875 102.058 102.010 101.938 101.833 4.875 101.058 101.010 100.938 100.8334.500 101.464 101.420 101.362 101.260 4.750 101.539 101.489 101.416 101.310 4.750 100.539 100.489 100.416 100.310

Loan Amount Adjustments Not Subject to Pricing Caps

FICO\LTV <=60 60.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-150 Loan Amt <50k - not allowed n/a

>=740 0.000 (0.250) (0.250) (0.250) 0.000 0.000 0.000 0.000 Loan Amt >=50k and <=75k (2.000)

720-739 0.000 (0.250) (0.250) (0.250) 0.000 0.000 0.000 0.000 Loan Amt >75k and <=100k (1.000)

700-719 0.000 (0.500) (0.750) (0.750) (0.500) (0.500) (0.500) (0.500) Loan Amt >100k and <=125k (0.500)

680-699 0.000 (0.500) (0.750) (0.750) (0.750) (0.750) (0.750) (0.750) Loan Amt >125k and <=200k (0.125)

660-679 0.000 (1.000) (1.500) (1.750) (1.750) (1.750) (1.750) (1.750) Loan Amt >200k and <=300k 0.000

640-659 (0.500) (1.250) (2.000) (2.250) (2.250) (2.250) (2.250) (2.250) Loan Amt >300k-453,100 0.050

620-639 (0.500) (1.500) (2.500) (2.750) (2.750) (2.750) (2.750) (2.750) LTV 105.01-125 (0.250)

LTV 125.01 - 150 (0.500)

Investment Property > 80% LTV n/a

<=60 60.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-150 Escrow Waiver (0.125)

Investment Property (2.125) (2.125) (2.125) (3.375) n/a n/a n/a n/a

Condo (>15 Yr Term)** 0.000 0.000 0.000 (0.750) (0.750) (0.750) (0.750) (0.750) State Adjustments

2-Unit Property (1.000) (1.000) (1.000) (1.000) (1.000) (1.000) (1.000) (1.000) AZ, CA (0.100)

3-4 Unit Property (1.000) (1.000) (1.000) (1.000) (1.000) (1.000) (1.000) (1.000) OK, TX 0.250

Manuf Home (DU Only) ineligible All Other States 0.000

Open Access Loans with Subordinate Financing

ALL loans with subordinate financing (0.375) Maximum Price Adjustments* -2.00

PLUS the following LLPA's apply *LLPA's for Loan Amount, LTV>105, and Escrow Waiver

LTV CLTV <720 >=720 are not subject to the LLPA cap

<= 65 80.01-95 (0.500) (0.250)

65.01-75 80.01-95 (0.750) (0.500)

75.01-95 90.01-95 (1.000) (0.750)

75.01-90 75.01-90 (1.000) (0.750)

Any >95 (1.500) (1.500)

Maximum Price Adjustments

6/1/2018 8:45

Freddie Mac Open Access - HARP

Freddie Mac Open Access Level Price Adjustments

Open Access Fixed & Arm Fico/LTV Grid - Term > 15 years

LLPA by Product FeatureProduct Feature

8 of 9

Government 30 Year Government 30 Year High Balance

Rate 15 day 30 day 45 day 60 day Rate 15 day 30 day 45 day 60 day

5.250 105.000 105.000 105.000 105.000 5.125 101.937 101.625 101.625 101.469

5.125 104.997 104.903 104.840 104.778 5.000 101.813 101.501 101.501 101.344

5.000 104.584 104.490 104.427 104.365 4.875 101.590 101.278 101.278 101.122

4.875 104.139 104.061 103.983 103.965 4.750 101.305 100.993 100.993 100.837

4.750 104.188 104.128 104.046 104.046 4.625 100.962 100.661 100.661 100.519

4.625 103.818 103.725 103.676 103.614 4.500 100.686 100.385 100.385 100.243

4.500 103.340 103.246 103.198 103.164 4.375 100.322 100.021 100.021 99.879

4.375 102.832 102.739 102.690 102.636 4.250 99.889 99.589 99.589 99.447

4.250 102.296 102.239 102.153 102.146 4.125 99.022 98.743 98.743 98.630

4.125 101.834 101.740 101.720 101.658

4.000 101.294 101.201 101.181 101.118

3.875 100.729 100.635 100.615 100.553

3.750 100.138 100.044 100.024 99.962

3.625 99.364 99.270 99.264 99.202

3.500 98.770 98.676 98.670 98.608

FHA 30 Year Fixed F30 Fico 580-619 (additional overlays apply) (2.000) Minimum $50,000 loan amount n/a

FHA 30 Year Fixed Streamline F30S Fico 620-639 (1.250) Loan Amt >50k and <=75k (2.000)

FHA 30 Year High Balance F30HB Fico 640-659 (0.500) Loan Amt >75k and <=100k (1.000)

FHA 30 Year Fixed Streamline High Balance F30SHB Manufactured Housing (Min. 620 fico) (1.750) Loan Amt >100k and <=125k (0.500)

2-4 Units (Owner Occ) (1.000) Loan Amt >125k and <=200k (0.125)

VA 30 Year Fixed V30 FHA Streamline Investor (0.500) Loan Amt >200k and <=300k 0.000

VA 30 Year Fixed High Balance V30HB VA Loan (V30) (0.250) Loan Amt >300k 0.050

VA 30 Year Fixed IRRRL V30IRR VA IRRRL (V30IRR, V30IRRHB) 0.000

VA 30 Year High Balance V30IRRHB FHA Streamline (F30S, F30SHB) (0.250)

USDA 30 Year Fixed U30 USDA (0.500)

USDA 30 Year Fixed Streamline U30S

6/1/2018 8:45

Government - FHA, VA & USDA

Government Loan Level Price Adjustments

Product Codes Government Price Adjustments (cumulative) Government Loan Amount Adjustments

9 of 9