Retail AFS/LCL Rates effective until 5:00 pm PDT (In an … · 2 days ago · Retail AFS/LCL Rates effective until 5:00 pm PDT (In an occurrence of a Price Change, Notification will

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.5

FHLMC Super Conf/FHLMC Super Conf No MI Pg.5

Agency LP/FHLMC Super Conf Price Adjustments Pg.6

Agency Portfolio/Agency Portfolio No MI Pg.7

Agency Portfolio Price Adjustments Pg.8

Agency Portfolio NO MI Adjustments Pg.8

FHA Pg.9

FHA Streamline Refinance Pg.9

FHA High Balance Pg.9

FHA High Balance Streamline Refinance Pg.9

USDA/Rural Housing Pg.9

VA Pg.9

VA High Balance Pg.9

VA IRRRL/VA IRRRL High Balance Pg.9

FHA/VA/USDA Price Adjustments Pg.9 Doc & Funding Cut-Off DatesDown Payment Protection Pg.10 Last day to fund GOVT loans with 4/1 payment 03/06/20

Ruby Jumbo Pg.11 Last day to fund CONV loans with 4/1 payment 03/10/20

Platinum Jumbo Pg.12 Last day to DISCLOSE Streamlines for March Funding 03/17/20

Gold Jumbo/Gold Jumbo Texas Home Equity Price Pg.13 Last day to fund Streamlines for March Funding 03/31/20

Emerald Jumbo Pg.13 Last day to Draw Docs with April 1st Payment 03/01/20

Platinum Price Adjustments Pg.14

Gold Jumbo/Gold Jumbo Texas Home Equity Price AdjustmentPg.14

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

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 951-278-5633

Extensions & Re-Locks [email protected] FeesUnderwriting Fee $990.00 Lock Expiration DatesUnderwriting Fee (FHA Streamlines/VA IRRRLs) $590.00 15 Days 04/21/20

Underwriting Fee (Closed End Second Liens only) $590.00 30 Days 05/06/20

Processing Fee $495.00 45 Days 05/21/20

60 Days 06/05/20

Mortgagee ClauseParamount Residential Mortgage Group, INC. Lock Extension PolicyIts Successors and/or Assigns 1-5 Days 0.125

1265 Corona Pointe Court Ste. 301 6-10 Days 0.250

Corona, California 92879 11-15 Days 0.375

16-20 Days 0.500Approved States 21-25 Days 0.625

Alaska Missouri 26-30 Days 0.750

Alabama Montana Arizona New Hampshire Extended Rate Lock TermsArkansas New Jersey 45 Days .100 in fee

California New Mexico 60 Days .300 in fee

Colorado Nebraska 75 Days .450 in fee

Connecticut Nevada 90 Days .600 in fee

Delaware North Carolina 120 Days 1.000 in fee

District of Columbia North Dakota The above fees are applied to the 30 day price.

Florida Ohio

Georgia Oklahoma

Hawaii OregonIdaho Pennsylvania Market UpdateIndiana Rhode Island 1 Yr Libor 1.050

Illinois South Carolina 1 Yr T-Bill 0.150

Iowa South Dakota 6 Mo Libor 1.209

Kansas Tennessee Prime Rate 3.250

Kentucky Texas 10 Yr Bond 0.650

Louisiana Utah 30 Yr Bond 1.290

Maine VermontMaryland Virginia Average Prime Offer RatesMassachusetts Washington 30/40 Yr Fixed 3.390

Michigan West Virginia 15/20 Yr Fixed 2.910

Minnesota Wisconsin 10 Yr Fixed 3.750

Mississippi 1/1 ARM 2.9303/1 ARM 3.000

PRMG Website 5/1 ARM 3.100

FT360 http://tpo.prmg.net/ 7/1 ARM 3.230

10/1 ARM 3.410

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

Pricer at: http://tpo.prmg.net/

Corona, CA Michael Gaxiola (951) 278-0000

Rate Sheet: RTL-2003/AFS-LCL

Lock Desk Info

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

Contact Secondary for fees on all other programs.

RETAIL BRANCH OFFICES

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

Table of Contents PRMG NewsProducts

Page 1

7:30AM

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

5.000% (2.899) (2.699) 4.750% (2.244) (2.044) 4.250% (1.103) (0.903) 4.750% (1.116) (0.916)

4.990% (2.819) (2.619) 4.625% (2.221) (2.021) 4.125% (0.858) (0.658) 4.625% (1.061) (0.861)

4.875% (2.703) (2.503) 4.500% (2.042) (1.842) 4.000% (1.554) (1.354) 4.500% (0.908) (0.708)

4.750% (2.475) (2.275) 4.375% (1.892) (1.692) 3.875% (1.357) (1.157) 4.490% (0.828) (0.628)

4.625% (2.378) (2.178) 4.250% (1.641) (1.441) 3.750% (1.138) (0.938) 4.375% (0.695) (0.495)

4.500% (2.168) (1.968) 4.125% (1.794) (1.594) 3.625% (0.694) (0.494) 4.250% (0.420) (0.220)

4.375% (1.920) (1.720) 4.000% (1.601) (1.401) 3.500% (0.750) (0.550) 4.125% (0.634) (0.434)

4.250% (1.636) (1.436) 3.875% (1.244) (1.044) 3.375% (0.557) (0.357) 4.000% (0.418) (0.218)

4.125% (1.896) (1.696) 3.750% (0.870) (0.670) 3.250% (0.260) (0.060) 3.875% (0.338) (0.138)

4.000% (1.621) (1.421) 3.625% (0.796) (0.596) 3.125% 0.243 0.443 3.750% 0.216 0.416

3.990% (1.541) (1.341) 3.500% (0.500) (0.300) 3.000% 0.483 0.683 3.625% 0.132 0.332

3.875% (1.308) (1.108) 3.375% (0.177) 0.023 2.875% 0.736 0.936 3.500% 0.420 0.620

3.750% (0.963) (0.763) 3.250% 0.261 0.461 2.750% 1.068 1.268 3.375% 0.781 0.981

3.625% (1.033) (0.833) 3.125% 0.761 0.961 2.625% 1.609 1.809 3.250% 1.218 1.418

3.500% (0.695) (0.495) 3.000% 1.392 1.592 2.500% 2.091 2.291 3.125% 1.777 1.977

3.375% (0.422) (0.222) 2.875% 2.056 2.256 2.375% 2.592 2.792 3.000% 2.448 2.648

3.250% 0.021 0.221 2.750% 2.750 2.950 2.250% 3.061 3.261 2.875% 3.152 3.352

3.125% 0.564 0.764 2.750% 3.892 4.092

3.000% 1.266 1.466

2.875% 2.022 2.222

2.750% 2.728 2.928

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% (1.299) (1.099) 4.375% 10.632 10.882 4.500% #VALUE! #VALUE! 4.625% #VALUE! #VALUE!

3.875% (1.161) (0.961) 4.250% 10.606 10.856 4.375% 10.013 10.263 4.500% #VALUE! #VALUE!

3.750% (0.936) (0.736) 4.125% 11.644 11.894 4.250% 10.051 10.301 4.375% 6.966 7.216

3.625% (0.625) (0.425) 4.000% 2.711 2.961 4.125% 11.643 11.893 4.250% 7.013 7.263

3.500% (0.500) (0.300) 3.875% 3.100 3.350 4.000% 2.506 2.756 4.125% 3.234 3.484

3.375% (0.333) (0.133) 3.750% 3.027 3.277 3.875% 2.949 3.199 4.000% 2.815 3.065

3.250% (0.072) 0.128 3.625% 2.614 2.864 3.750% 3.081 3.331 3.875% 2.950 3.200

3.125% 0.441 0.641 3.500% 2.923 3.173 3.625% 3.221 3.471 3.750% 3.157 3.407

3.000% 0.814 1.014 3.375% 3.251 3.501 3.500% 2.456 2.706 3.625% 2.546 2.796

2.875% 1.027 1.227 3.250% 3.192 3.442 3.375% 2.845 3.095 3.500% 2.597 2.847

2.750% 1.315 1.515 3.125% 3.564 3.814 3.250% 2.859 3.109 3.375% 3.086 3.336

2.625% 1.819 2.019 3.000% 3.855 4.105 3.125% 3.296 3.546 3.250% 3.596 3.846

2.500% 2.236 2.436

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% 1.168 1.368 4.125% 2.999 3.249 4.000% 2.655 2.905

4.375% 1.274 1.474 4.000% 2.711 2.961 3.875% 3.132 3.382

4.250% 0.429 0.629 3.875% 3.138 3.388 3.750% 3.296 3.546

4.125% 0.544 0.744 3.750% 3.234 3.484 3.625% 3.457 3.707

4.000% 0.713 0.913 3.625% 3.344 3.594 3.500% 3.584 3.834

3.875% 0.957 1.157 3.500% 3.484 3.734 3.375% 3.721 3.971

3.750% 1.056 1.256 3.375% 3.617 3.867 3.250% 3.937 4.187

3.625% 1.227 1.427 3.250% 3.710 3.960 3.125% 4.156 4.406

3.500% 1.453 1.653 3.125% 3.811 4.061 3.000% 4.390 4.640

3.375% 1.761 1.961 3.000% 3.980 4.230 2.875% 4.581 4.831

3.250% 2.133 2.333 2.875% 4.125 4.375 2.750% 4.450 4.700

3.125% 2.578 2.778 2.750% 4.093 4.343 2.625% 4.381 4.631

3.000% 2.897 3.097

High BalanceRate 15 30 Rate 15 30 Rate 15 30 Rate 15 30

4.750% (2.475) (2.275) 4.500% (0.536) (0.336) ######## #VALUE! #VALUE! -75.000% 102.700 102.950

4.625% (2.378) (2.178) 4.375% (0.590) (0.390) -62.500% #VALUE! #VALUE! -50.000% 102.700 102.950

4.500% (2.168) (1.968) 4.250% (1.103) (0.903) #VALUE! #VALUE! #VALUE! #VALUE! 102.700 102.950

4.375% (1.920) (1.720) 4.125% (0.858) (0.658) 0.000% 102.700 102.950 -37.500% 102.700 102.950

4.250% (1.636) (1.436) 4.000% (1.554) (1.354) 0.000% 102.700 102.950 0.000% 102.700 102.950

4.125% (1.896) (1.696) 3.875% (1.357) (1.157) 0.000% 102.700 102.950 0.000% 102.700 102.950

4.000% (1.621) (1.421) 3.750% (1.138) (0.938) ######## 105.950 106.200 0.000% 102.700 102.950

3.875% (1.308) (1.108) 3.625% (0.694) (0.494) ######## 105.950 106.200 0.000% 102.700 102.950

3.750% (0.963) (0.763) 3.500% (0.750) (0.550) ######## 105.950 106.200 0.000% 102.700 102.950

3.625% (1.033) (0.833) 3.375% (0.557) (0.357) ######## 105.450 105.700 0.000% 102.700 102.950

3.500% (0.695) (0.495) 3.250% (0.260) (0.060) ######## 104.200 104.450 0.000% 102.700 102.950

3.375% (0.422) (0.222) 3.125% 0.243 0.443 ######## 103.700 103.950 #VALUE! 103.450 103.700

3.250% 0.021 0.221 3.000% 0.483 0.683 -50.000% 103.200 103.450 #VALUE! #VALUE! #VALUE!

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

4.375% (1.859) (1.659) 3.375% 4.127 4.377

4.250% (1.537) (1.337) 3.250% 4.068 4.318

4.125% (1.457) (1.257) 3.125% 4.440 4.690

4.000% (1.565) (1.365) 3.000% 4.826 5.076

3.990% (1.485) (1.285) 2.875% 5.213 5.463

3.875% (1.233) (1.033) 2.750% 5.599 5.849

3.750% (0.857) (0.657) 2.625% 5.973 6.223

3.625% (0.958) (0.758) 2.500% 6.349 6.599

3.500% (0.596) (0.396) 2.375% 6.699 6.949

3.375% (0.198) 0.002 2.250% 7.050 7.300

3.250% 0.234 0.434

3.125% 0.788 0.988

3.000% 1.453 1.653

Rate 15 30

4.875% 3.300 3.550 4.500% 9.190 9.440 4.750% 12.570 12.820 4.750% 12.757 13.007

4.750% 3.580 3.830 4.490% 9.268 9.518 4.625% 12.555 12.805 4.625% 12.742 12.992

4.625% 3.684 3.934 4.375% 9.162 9.412 4.500% 11.790 12.040 4.500% 11.978 12.228

4.500% 4.143 4.393 4.250% 9.310 9.560 4.375% 11.046 11.296 4.375% 11.233 11.483

4.490% 4.237 4.487 4.125% 9.537 9.787 4.250% 10.395 10.645 4.250% 10.582 10.832

4.375% 3.649 3.899 4.000% 9.835 10.085 4.125% 13.370 13.620 4.125% 13.557 13.807

4.250% 3.958 4.208 3.990% 9.924 10.174 4.000% 12.750 13.000 4.000% 12.938 13.188

4.125% 4.435 4.685 #VALUE! #VALUE! #VALUE! 3.875% 11.905 12.155 3.875% 12.092 12.342

4.000% 5.048 5.298 3.750% 11.419 11.669 3.750% 11.606 11.856

3.990% 5.173 5.173 3.625% 13.481 13.731 3.625% 13.668 13.918

3.875% 4.324 4.324 3.500% 13.025 13.275 3.500% 13.212 13.462

3.750% 4.735 4.985 3.375% 12.419 12.669 3.375% 12.606 12.856


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

HOMESTYLE30/25 Yr Fixed 30/25 Yr Fixed 5/1 Libor ARM 5/1 Libor ARM

HomeStyle Renovation HomeStyle Renovation HB HomeStyle Renovation HomeStyle Renovation HB

Agency TX Home Eq 30/25 Agency TX Home Eq 15 NoMI 101 Home Advantage NoMI 101 Home Advantage

HOMEREADY

2.25 Margin, 2/2/5 Caps

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


Monday, April 6, 2020 Retail AFS/LCL Rates effective until 5:00 pm PDT (In an occurrence of a Price Change, Notification will be sent)

FNMA/FHLMCA

GE

NC

YHigh 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

Page 2

7:30AM

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 Subordinate Financing

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

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

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

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

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

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

* Second Home >85% LTV 0.250 N/A 1.125 1.125 1.125 1.125 1.875

Miscellaneous Cash-out (Except TX Home Equity)

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

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

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

* 7-10 Financed Properties (Applicable to N/O/O & 2nd home only) 0.250 720-739 0.375 1.000 1.000 1.125 n/a

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

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

* Fico >=740 W/ LTV 95.01-97% (Applicable to Homystlye only) 0.125 660-679 0.625 1.125 1.125 1.875 n/a

640-659 0.625 1.625 1.625 2.625 n/a

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

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

>=740 0.375 0.625 0.625 0.875

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

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

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

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

** Agency High Bal & Agency High Bal No MI Fixed w/LTV <=80% -0.100 620-659 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

Applicable to Agency High Bal

(In addition to all other adj)

Applicable to Lender Paid Agency No MI Programs (In addition to all other LLPAs)

Applicable to 25 Yr Term (Agency No MI) Applicable to Loan Size >$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 (%)

LTV (%)

Base Pricing Assumes Borrower Paid Compensation


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 (%)

125CORONA

7:30AM

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% (1.623) (1.423) 4.750% (2.244) (2.044) 4.500% 21.489 21.689 4.500% 21.395 21.595

4.375% (1.412) (1.212) 4.625% (2.082) (1.882) 4.375% 21.640 21.840 4.375% 21.549 21.749

4.250% (1.091) (0.891) 4.500% (2.042) (1.842) 4.250% (0.987) (0.787) 4.250% (0.827) (0.627)

4.125% (1.498) (1.298) 4.375% (1.892) (1.692) 4.125% (0.742) (0.542) 4.125% (0.617) (0.417)

4.000% (1.312) (1.112) 4.250% (1.641) (1.441) 4.000% (1.437) (1.237) 4.000% (1.183) (0.983)

3.875% (1.012) (0.812) 4.125% (1.794) (1.594) 3.875% (1.241) (1.041) 3.875% (1.045) (0.845)

3.750% (0.577) (0.377) 4.000% (1.601) (1.401) 3.750% (1.022) (0.822) 3.750% (0.820) (0.620)

3.625% (0.788) (0.588) 3.875% (1.244) (1.044) 3.625% (0.577) (0.377) 3.625% (0.509) (0.309)

3.500% (0.525) (0.325) 3.750% (0.870) (0.670) 3.500% (0.634) (0.434) 3.500% (0.384) (0.184)

3.375% (0.148) 0.052 3.625% (0.692) (0.492) 3.375% (0.441) (0.241) 3.375% (0.217) (0.017)

3.250% 0.335 0.535 3.500% (0.477) (0.277) 3.250% (0.143) 0.057 3.250% 0.044 0.244

3.125% 1.411 1.611 3.375% (0.177) 0.023 3.125% 0.359 0.559 3.125% 0.558 0.758

3.000% 2.131 2.331 3.250% 0.304 0.504 3.000% 0.599 0.799 3.000% 0.930 1.130

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% #VALUE! #VALUE! 4.750% #VALUE! #VALUE! 4.875% #VALUE! #VALUE! 4.375% 1.623 1.823






4.000% 2.707 2.957 4.000% 2.523 2.773 4.125% #VALUE! #VALUE! 3.625% 2.081 2.281

3.875% 3.096 3.346 3.875% 2.966 3.216 4.000% 2.832 3.082 3.500% 2.231 2.431

3.750% 3.156 3.406 3.750% 3.097 3.347 3.875% 2.967 3.217 3.375% 2.530 2.730

3.625% 3.234 3.484 3.625% 3.238 3.488 3.750% 3.173 3.423 3.250% 3.002 3.202

3.500% 3.355 3.605 3.500% 3.361 3.611 3.625% 3.375 3.625 3.125% 3.723 3.923

3.375% 3.485 3.735 3.375% 3.498 3.748 3.500% 3.520 3.770 3.000% 4.422 4.622

2.875% #VALUE! #VALUE!

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

4.500% (0.908) (0.708) 4.500% 22.241 22.441 4.375% #VALUE! #VALUE! 4.500% 101.721 101.971

4.490% (0.828) (0.628) 4.375% 22.393 22.593 4.250% #VALUE! #VALUE! 4.375% 101.721 101.971

4.375% (0.695) (0.495) 4.250% 1.654 1.854 4.125% #VALUE! #VALUE! 4.250% 101.721 101.971

4.250% (0.420) (0.220) 4.125% 1.872 2.072 4.000% #VALUE! #VALUE! 4.125% 101.721 101.971

4.125% (0.634) (0.434) 4.000% 0.438 0.638 3.875% #VALUE! #VALUE! 4.000% 101.721 101.971

4.000% (0.418) (0.218) 3.875% 0.553 0.753 3.750% #VALUE! #VALUE! 3.875% 101.721 101.971

3.875% (0.338) (0.138) 3.750% 0.722 0.922 3.625% #VALUE! #VALUE! 3.750% 101.721 101.971

3.750% 0.216 0.416 3.625% 0.966 1.166 3.500% #VALUE! #VALUE! 3.625% 101.721 101.971

3.625% 0.132 0.332 3.500% 1.065 1.265 3.375% #VALUE! #VALUE! 3.500% 101.721 101.971

3.500% 0.420 0.620 3.375% 1.236 1.436 3.250% #VALUE! #VALUE! 3.375% 101.721 101.971

3.375% 0.781 0.981 3.250% 1.462 1.662 3.125% #VALUE! #VALUE! 3.250% 101.721 101.971

3.250% 1.218 1.418 3.125% 1.770 1.970 3.000% #VALUE! #VALUE!

3.125% 1.777 1.977 3.000% 2.142 2.342

Rate 15 30

4.625% (2.345) (2.145)

4.500% (2.130) (1.930)

4.375% (1.859) (1.659)

4.250% (1.537) (1.337)

4.125% (1.457) (1.257)

4.000% (1.565) (1.365)

3.990% (1.485) (1.285)

3.875% (1.233) (1.033)

3.750% (0.857) (0.657)

3.625% (0.958) (0.758)

3.500% (0.596) (0.396)

3.375% (0.198) 0.002

3.250% 0.234 0.434


Home Possible No MI 30


FHLMC HOMEPOSSIBLEHome Possible 30

FHLMC Super Conf 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


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

Page 4

7:30AM

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

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

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

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

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

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

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

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

* 3-4 Units LTV 80.01%-85% 1.500 Credit Score * 3-4 Units LTV >85.01% 2.000 ** Fico Scores > = 740 (Agency LP Fixed & Agency LP No MI Fixed only) -0.100

* Attached Condo >75% LTV (applicable only to terms >15 yrs) 0.750

Occupancy

* N/O/O up to 75% LTV (Except Super Conf) 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 up to 75% LTV (Super Conf only) 2.125<=65% & FICO <720 0.375 0.375 0.875 0.875 0.875 1.875* N/O/O LTV 75.01% to 80% (Except Super Conf) 3.375<=65% & FICO >=720 0.375 0.375 0.625 0.625 0.625 1.875

* N/O/O LTV 75.01% to 80% (Super Conf only) 3.37565.01-75% & FICO <720 0.375 0.375 1.125 1.125 1.125 1.875

* N/O/O LTV 80.01% to 85% 4.12565.01-75% & FICO>=720 0.375 0.375 0.875 0.875 0.875 1.875

* Second Home w/LTV >85% 0.25075.01-95% & FICO <720 N/A 1.375 1.375 1.375 1.375 1.875

Miscellaneous 75.01-95% & FICO >=720 N/A 1.125 1.125 1.125 1.125 1.875

** Purchase Bonus (Agency LP Fixed,Agency LP No MI,HomePossible Fixed only) -0.100***All Home Possible (above do not apply) 0.500 0.500 0.500 0.500 0.500 0.500

** Escrow Waiver 0.000

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

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

** 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%

>=740 0.375 0.625 0.625 0.875

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

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

* High Balance ARM Purch, R/T, Cash-out <=75% LTV 0.750 680-699 0.375 1.125 1.125 1.750* High Balance ARM Purch, R/T, Cash-out >75%-90% LTV 1.500 660-679 0.625 1.125 1.125 1.875

* High Balance ARM Purch, R/T >90% LTV 1.750 640-659 1.500 2.250 2.250 3.250

* Fico Scores 680-739 0.125 620-639 1.500 2.250 2.250 3.750

* Fico Scores 620-679 0.250** FHLMC Super Conf 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 1.050Applicable 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

620-639 0.170 620-639 0.920

All Fixed Rates 105.000All 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%

CLTV (%)

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

Cash-outLTV (%)

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)


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 (%)

Subordinate Financing

125CORONA

7:30AM


4.750% (2.225) (2.025) 4.750% (1.994) (1.794) 3.750% (0.888) (0.638) 4.125% (0.483) (0.283)

4.625% (2.128) (1.928) 4.625% (1.971) (1.771) 3.625% (0.444) (0.194) 4.000% (1.049) (0.849)

4.500% (1.918) (1.718) 4.500% (1.792) (1.592) 3.500% (0.500) (0.250) 3.875% (0.911) (0.711)

4.375% (1.670) (1.470) 4.375% (1.642) (1.442) 3.375% (0.307) (0.057) 3.750% (0.686) (0.486)

4.250% (1.386) (1.186) 4.250% (1.391) (1.191) 3.250% (0.010) 0.240 3.625% (0.375) (0.175)

4.125% (1.646) (1.446) 4.125% (1.544) (1.344) 3.125% 0.493 0.743 3.500% (0.250) (0.050)

4.000% (1.371) (1.171) 4.000% (1.351) (1.151) 3.000% 0.733 0.983 3.375% (0.083) 0.117

3.990% (1.291) (1.091) 3.875% (0.994) (0.794) 2.875% 0.986 1.236 3.250% 0.178 0.378

3.875% (1.058) (0.858) 3.750% (0.620) (0.420) 2.750% 1.318 1.568 3.125% 0.691 0.891

3.750% (0.713) (0.513) 3.625% (0.546) (0.346) 2.625% 1.859 2.109 3.000% 1.064 1.264

3.625% (0.783) (0.583) 3.500% (0.250) (0.050) 2.500% 2.341 2.591 2.875% 1.277 1.477

3.500% (0.445) (0.245) 3.375% 0.073 0.273 2.375% 2.842 3.092 2.750% 1.565 1.765

3.375% (0.172) 0.028 3.250% 0.511 0.711 2.250% 3.311 3.561 2.625% 2.069 2.269

3.250% 0.271 0.471

3.125% 0.814 1.014

3.000% 1.516 1.716

2.875% 2.272 2.472

2.750% 2.978 3.178

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

4.750% #VALUE! #VALUE! 4.750% #VALUE! #VALUE! 4.750% (0.866) (0.666) 4.250% 2.196 2.196



4.375% 10.882 11.132 4.375% 10.263 10.513 4.375% (0.445) (0.245) 3.875% 2.185 2.185

4.250% 10.856 11.106 4.250% 10.301 10.551 4.250% (0.170) 0.030 3.750% 2.706 2.706

4.125% 11.894 12.144 4.125% 11.893 12.143 4.125% (0.384) (0.184) 3.625% 2.319 2.319

4.000% 2.961 3.211 4.000% 2.756 3.006 4.000% (0.168) 0.032 3.500% 2.469 2.469

3.875% 3.350 3.600 3.875% 3.199 3.449 3.875% (0.088) 0.112 3.375% 2.768 2.768

3.750% 3.277 3.527 3.750% 3.331 3.581 3.750% 0.466 0.666 3.250% 3.241 3.241

3.625% 2.864 3.114 3.625% 3.471 3.721 3.625% 0.382 0.582 3.125% 3.962 3.962

3.500% 3.173 3.423 3.500% 2.706 2.956 3.500% 0.670 0.870 3.000% 4.661 4.661

3.375% 3.501 3.751 3.375% 3.095 3.345 3.375% 1.031 1.231 2.875% 5.259 5.259

3.250% 3.442 3.692 3.250% 3.109 3.359 3.250% 1.468 1.668 2.750% #VALUE! #VALUE!

3.125% 2.027 2.227

3.000% 2.698 2.898

2.875% 3.402 3.602

2.750% 4.142 4.342


4.500% 1.418 1.618 4.500% 1.418 1.668 4.000% 2.961 3.211 4.000% 2.905 3.155

4.375% 1.524 1.724 4.375% 1.524 1.774 3.875% 3.388 3.638 3.875% 3.382 3.632

4.250% 0.679 0.879 4.250% 0.679 0.929 3.750% 3.484 3.734 3.750% 3.546 3.796

4.125% 0.794 0.994 4.125% 0.794 1.044 3.625% 3.594 3.844 3.625% 3.707 3.957

4.000% 0.963 1.163 4.000% 0.963 1.213 3.500% 3.734 3.984 3.500% 3.834 4.084

3.875% 1.207 1.407 3.875% 1.207 1.457 3.375% 3.867 4.117 3.375% 3.971 4.221

3.750% 1.306 1.506 3.750% 1.306 1.556 3.250% 3.960 4.210 3.250% 4.187 4.437

3.625% 1.477 1.677 3.625% 1.477 1.727 3.125% 4.061 4.311 3.125% 4.406 4.656

3.500% 1.703 1.903 3.500% 1.703 1.953 3.000% 4.230 4.480 3.000% 4.640 4.890

3.375% 2.011 2.211 3.375% 2.011 2.261 2.875% 4.375 4.625 2.875% 4.831 5.081

3.250% 2.383 2.583 3.250% 2.383 2.633 2.750% 4.343 4.593 2.750% 4.700 4.950

3.125% 2.828 3.028 3.125% 2.828 3.078 2.625% 4.354 4.604 2.625% 4.631 4.881

3.000% 3.147 3.347 3.000% 3.147 3.397



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

7:30AM

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

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

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

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

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

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

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

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

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

* Manufactured Home 1.000<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

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

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

Miscellaneous 0.375 0.375 0.875 0.875 0.875 1.875

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

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

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

* 7-10 Financed Properties (Applicable to N/O/O & 2nd home only) 0.250 N/A 1.375 1.375 1.375 1.375 1.875

* ARMs w/LTV 90.01-95% 0.250 N/A 1.125 1.125 1.125 1.125 1.875** Down Payment Protection Feature (refer to Down Payment Protection Tab).

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

>=740 0.375 0.625 0.625 0.875 n/a

Applicable to High Bal only 720-739 0.375 1.000 1.000 1.125 n/a

Loan Purpose 700-719 0.375 1.000 1.000 1.125 n/a

* Purchase & Rate/Term Refi 0.250 680-699 0.375 1.125 1.125 1.750 n/a

* Cash-out Refi 1.000 660-679 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

** Portfolio High Bal Fixed w/LTV <= 80% -0.100

All Fixed Rates 105.000

All ARM Rates 103.750

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

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

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

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

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

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

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

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

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

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

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

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

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


>=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 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


6.740

7.050

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

6.900

7.090

7.450

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

CY

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

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

LTV (%)

Page 7

7:30AM

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

5.375% 2.718 2.918 4.625% 21.429 21.629 4.500% 2.283 2.533 4.750% 1.147 1.347

5.250% 2.757 2.957 4.500% 21.904 22.104 4.375% 2.484 2.734 4.625% 1.317 1.517

5.125% (0.241) (0.041) 4.375% 1.805 2.005 4.250% 2.695 2.945 4.500% 1.510 1.710

5.000% (0.233) (0.033) 4.250% 2.055 2.255 4.125% 2.935 3.185 4.375% 1.726 1.926

4.990% (0.153) 0.047 4.125% 1.326 1.526 4.000% 3.124 3.374 4.250% 1.228 1.428

4.875% (0.224) (0.024) 4.000% 1.576 1.776 3.875% 3.343 3.593 4.125% 1.450 1.650

4.750% (0.625) (0.425) 3.875% 1.855 2.055 3.750% 3.034 3.284 4.000% 1.687 1.887

4.625% (0.742) (0.542) 3.750% 2.155 2.355 3.625% 3.667 3.917 3.990% 1.767 1.967

4.500% (0.461) (0.261) 3.625% 1.341 1.541 3.500% 3.872 4.122 3.875% 0.524 0.724

4.375% (0.159) 0.041 3.500% 1.642 1.842 3.375% 4.111 4.361 3.750% 0.524 0.724

4.250% (0.825) (0.625) 3.375% 1.965 2.165 3.250% 4.364 4.614 3.625% 0.782 0.982

4.125% (0.516) (0.316) 3.250% 2.303 2.503 3.500% 1.050 1.250

4.000% (0.191) 0.009 3.125% 2.371 2.571 3.375% 1.326 1.526

3.990% (0.111) 0.089 3.250% 1.539 1.739

3.875% 0.148 0.348 3.125% 1.822 2.022

3.750% (0.967) (0.767) 3.000% 2.106 2.306

3.625% (0.621) (0.421) 2.875% 3.696 3.896

3.500% (0.266) (0.066) 2.750% 4.008 4.208

3.375% 0.019 0.219

3.250% 0.028 0.228

3.125% 0.513 0.713

3.000% 0.884 1.084

2.875% 1.194 1.394

2.750% 1.203 1.403

High Balance 5/1 ARM 203K Standard 30 YrStart Rate 15 30 Rate 15 30 Rate 15 30 Rate 15 30

4.500% 1.031 1.281 4.625% 2.520 2.770 4.250% (0.700) (0.500) 4.375% 1.930 2.130

4.375% 1.196 1.446 4.500% 2.745 2.995 4.125% (0.391) (0.191) 4.250% 2.180 2.380

4.250% 1.369 1.619 4.375% 2.770 3.020 4.000% (0.066) 0.134 4.125% 1.451 1.651

4.125% 1.731 1.981 4.250% 2.920 3.170 3.990% 0.014 0.214 4.000% 1.701 1.901

4.000% 1.879 2.129 4.125% 2.754 3.004 3.875% 0.273 0.473 3.875% 1.980 2.180

3.875% 2.058 2.308 4.000% 2.829 3.079 3.750% (0.842) (0.642) 3.750% 2.280 2.480

3.750% 0.541 0.791 3.875% 2.729 2.979 3.625% (0.496) (0.296) 3.625% 1.466 1.666

3.625% 2.194 2.444 3.750% 2.866 3.116 3.500% (0.141) 0.059 3.500% 1.767 1.967

3.500% 2.100 2.350 3.625% 2.458 2.708 3.375% 0.144 0.344 3.375% 2.090 2.290

3.375% 2.293 2.543 3.250% 0.153 0.353 3.250% 2.428 2.628

3.250% 2.501 2.751 3.125% 0.638 0.838 3.125% 2.496 2.696

3.000% 1.009 1.209

2.875% 1.319 1.519

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

5.375% 2.718 2.918 4.250% 2.370 2.620 4.625% 1.617 1.817 4.250% (0.850) (0.650)

5.250% 2.757 2.957 4.125% 1.953 2.203 4.500% 1.810 2.010 4.125% (0.541) (0.341)

5.125% (0.241) (0.041) 4.000% 1.984 2.234 4.375% 2.026 2.226 4.000% (0.216) (0.016)

5.000% (0.233) (0.033) 3.875% 2.106 2.356 4.250% 1.528 1.728 3.875% 0.123 0.323

4.875% (0.224) (0.024) 3.750% 2.298 2.548 4.125% 1.750 1.950 3.750% (0.992) (0.792)

4.750% (1.000) (0.800) 3.625% 1.499 1.749 4.000% 1.987 2.187 3.625% (0.646) (0.446)

4.625% (0.742) (0.542) 3.500% 1.480 1.730 3.875% 0.824 1.024 3.500% (0.291) (0.091)

4.500% (0.461) (0.261) 3.375% 1.723 1.973 3.750% 0.824 1.024 3.375% (0.006) 0.194

4.375% (0.159) 0.041 3.250% 1.978 2.228 3.625% 1.082 1.282 3.250% 0.003 0.203

4.250% (0.825) (0.625) 3.125% 2.370 2.620 3.500% 1.350 1.550 3.125% 0.488 0.688

4.125% (0.516) (0.316) 3.000% 2.623 2.873 3.375% 1.626 1.826 3.000% 0.859 1.059

4.000% (0.191) 0.009 2.875% 2.891 3.141 3.250% 1.839 2.039 2.875% 1.169 1.369

3.875% 0.148 0.348 2.750% 3.175 3.425 3.125% 2.122 2.322 2.750% 1.178 1.378

3.750% (0.967) (0.767) 3.000% 2.406 2.606

3.625% (0.621) (0.421) 2.875% 3.996 4.196

3.500% (0.266) (0.066) 2.750% 4.308 4.508

3.375% 0.019 0.219

3.250% 0.028 0.228

3.125% 0.513 0.713

3.000% 0.884 1.084

2.875% 1.194 1.394

2.750% 1.203 1.403


4.250% 2.095 2.295 4.250% 1.653 1.853 4.250% (0.726) (0.526) 4.500% 1.537 1.737

4.125% 1.678 1.878 4.125% 1.875 2.075 4.125% (0.394) (0.194) 4.375% 1.693 1.893

4.000% 1.709 1.909 4.000% 2.112 2.312 4.000% (0.017) 0.183 4.250% 1.780 1.980

3.875% 1.831 2.031 3.875% 0.949 1.149 3.875% 0.390 0.590 4.125% 0.472 0.672

3.750% 2.023 2.223 3.750% 0.949 1.149 3.750% (1.088) (0.888) 4.000% 0.976 1.176

3.625% 1.224 1.424 3.625% 1.207 1.407 3.625% (0.624) (0.424) 3.875% 1.528 1.728

3.500% 1.205 1.405 3.500% 1.475 1.675 3.500% (0.158) 0.042 3.750% 1.880 2.080

3.375% 1.448 1.648 3.375% 1.751 1.951 3.375% 0.308 0.508 3.625% 0.517 0.717

3.250% 1.703 1.903 3.250% 1.964 2.164 3.250% 0.055 0.255 3.500% 0.632 0.832

3.125% 2.095 2.295 3.125% 2.247 2.447 3.125% 0.522 0.722 3.375% 0.986 1.186

3.000% 2.348 2.548 3.000% 2.531 2.731 3.000% 0.959 1.159 3.250% 1.247 1.447

2.875% 2.616 2.816 2.875% 4.121 4.321 3.125% 1.219 1.419

2.750% 2.900 3.100 2.750% 4.433 4.633 3.000% 1.660 1.860

Loan Amount FICO* Loans $250k-Std Bal Limit -0.200 * Fico Scores 740+ -0.250

* Loans $175k-$249,999 -0.100 * Fico Scores 700-739 -0.125

* Loans $75k-$99,999 0.250 * Fico Scores 660-679 (Except VA IRRRL High Bal) 0.250

* Loans $50k-$74,999 0.750 * Fico Scores 660 - 679 (VA IRRRL High Bal only) 0.625

* Loans $30k-$49,999 2.000 * Fico Scores 640 - 659 1.000

* Loans < $30,000 Contact Secondary * Fico Scores 620 - 639 2.500

* Loans $1M-$1.5m (VA High Bal only) 0.500 * No FICO Score (FHA, Non-Traditional Credit only) 3.000

* Loans >=$1m (VA IRRRL High Bal only) 0.625LTV* 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% 2.250

Occupancy Miscellaneous * Non Owner Occupied 1.000 * Purchase Bonus (FHA, VA only - All Standard Bal Fixed only) -0.100

* Down Payment Asst Prgrms (FHA High Bal only) 0.375

Maximum Rebate/Price Cap * FHA Manufactured Home 1.500

All Fixed Rates 105.000 * USDA/VA Manufactured Home 1.500

All ARM Rates 103.750 * FHA 203k and FICO 640-659 6.000

* FHA 203k w/DTI>=50% and Fico 640-659 1.250** Down Payment Protection Feature (refer to Down Payment Protection Tab).


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

Government Price Adjustments

VA/USDAVA High Balance - 30 VA IRRRL - 30/25


FHAG

OV

ER

NM

EN

THigh Balance - 30/25/20


Streamline 30 Streamline 15


Page 8

7:30AM

LTV80.00% * Purchase only

80.01%-81.00% * Agency

81.01%-82.00% * Agency NO MI

82.01%-83.00% * Agency LP

83.01%-84.00% * Agency High Balance

84.01%-85.00% * Home Ready

85.01%-86.00% * Home Possible

86.01%-87.00% * FHLMC Super Confriming

87.01%-88.00% * FHA

88.01%-89.00% * FHA Portfolio

89.01%-90.00% * FHA Portfolio No Score

90.01%-91.00% * FHA 203H

91.01%-92.00% * FHA Portfolio GNND

92.01%-93.00%

93.01%-94.00%

94.01%-95.00%

95.01%-96.00% * Refinance

96.01%-96.50% * Agency Tx Home Equity

96.51%-97.00% * Niche

* Jumbos

* FHA Streamilines

* DU Refi Plus

Group2 * Closed End Seconds

Group3 * VA IRRRLS

Group4 * FHA 203K

Group5

Rate Sheet: RTL-2003AFS

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

Monday, April 6, 2020 Retail Rates effective until 5:00 pm PDT, ARMs until 3:30 pm PDT (In an occurrence of a Price Change, Notification will be sent)

Down Payment Protection Feature

Do

wn

Pa

ym

en

t P

rote

cti

on

Fe

atu

re

Group 1 Group 2 Group 3 Group 4 Group 5

7:30AM


5.500% 0.855 1.105 4.500% 0.425 0.675 4.500% 1.412 1.662 4.500% 1.625 1.875

5.375% 1.192 1.442 4.375% 0.580 0.830 4.375% 1.683 1.933 4.375% 1.917 2.167

5.250% 1.548 1.798 4.250% 0.861 1.111 4.250% 1.954 2.204 4.250% 2.202 2.452

5.125% 1.800 2.050 4.125% 1.170 1.420 4.125% 2.222 2.472 4.125% 2.487 2.737

5.000% 1.985 2.235 4.000% 1.301 1.551 4.000% 2.494 2.744 4.000% 2.772 3.022

4.875% 2.018 2.268 3.875% 1.641 1.891 3.875% 2.915 3.165 3.875% 3.058 3.308

4.750% 2.052 2.302 3.750% 2.031 2.281 3.750% 3.338 3.588 3.750% 3.387 3.637

4.625% 2.059 2.309 3.625% 2.449 2.699 3.625% 3.492 3.742 3.625% 3.991 4.241

4.500% 2.077 2.327 3.500% 2.936 3.186 3.500% 3.918 4.168 3.500% 4.347 4.597

4.375% 2.156 2.406 3.375% 3.343 3.593 3.375% 4.349 4.599 3.375% 4.726 4.976

4.250% 2.200 2.450 3.250% 3.810 4.060 3.250% 4.740 4.990 3.250% 5.135 5.385

4.125% 2.320 2.570

4.000% 2.386 2.636

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

800+ -0.825 -0.825 -0.700 -0.575 -0.450 -0.325 -0.325

780-799 -0.825 -0.825 -0.700 -0.575 -0.450 -0.325 -0.325

760-779 -0.825 -0.700 -0.575 -0.575 -0.325 -0.200 -0.200

740-759 -0.825 -0.700 -0.450 -0.450 -0.200 0.050 0.050

720-739 -0.825 -0.700 -0.450 -0.450 -0.200 0.300 0.300

700-719 -0.700 -0.700 -0.325 -0.200 0.050 0.550 0.550

680-699 -0.700 -0.700 -0.325 -0.200 0.300 n/a n/a Primary Rate/Term

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

800+ -0.450 -0.450 -0.450 -0.325 -0.200 0.175 0.175

780-799 -0.450 -0.450 -0.450 -0.325 -0.200 0.175 0.175

760-779 -0.450 -0.450 -0.325 -0.325 -0.075 0.300 0.300

740-759 -0.450 -0.450 -0.200 -0.200 0.050 0.550 0.550

720-739 -0.450 -0.450 -0.200 -0.200 0.050 0.800 0.800

700-719 -0.325 -0.325 -0.075 0.050 0.300 1.050 1.050

680-699 -0.325 -0.325 -0.075 0.050 0.550 n/a n/a

Primary Cash out

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

800+ -0.450 -0.450 -0.200 0.175 0.675 n/a n/a

780-799 -0.450 -0.450 -0.200 0.175 0.675 n/a n/a

760-779 -0.450 -0.325 -0.075 0.175 0.800 n/a n/a

740-759 -0.450 -0.325 0.050 0.300 0.925 n/a n/a

720-739 -0.450 -0.325 0.050 0.300 0.925 n/a n/a

700-719 -0.325 -0.200 0.175 0.550 1.175 n/a n/a

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

Second Purchase

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

800+ -0.825 -0.825 -0.700 -0.575 -0.450 n/a n/a

780-799 -0.825 -0.825 -0.700 -0.575 -0.450 n/a n/a

760-779 -0.825 -0.700 -0.575 -0.575 -0.325 n/a n/a

740-759 -0.825 -0.700 -0.450 -0.450 -0.200 n/a n/a

720-739 -0.825 -0.700 -0.450 -0.450 -0.200 n/a n/a

700-719 -0.700 -0.575 -0.325 -0.200 0.050 n/a n/a


Second Rate/Term

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

800+ -0.450 -0.450 -0.450 -0.325 -0.200 n/a n/a

780-799 -0.450 -0.450 -0.450 -0.325 -0.200 n/a n/a

760-779 -0.450 -0.325 -0.325 -0.325 -0.075 n/a n/a

740-759 -0.450 -0.325 -0.200 -0.200 0.050 n/a n/a

720-739 -0.450 -0.325 -0.200 -0.200 0.050 n/a n/a

700-719 -0.325 -0.200 -0.075 0.050 0.300 n/a n/a


Second Cash Out

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

800+ -0.450 -0.450 -0.200 0.175 n/a n/a n/a

780-799 -0.450 -0.450 -0.200 0.175 n/a n/a n/a

760-779 -0.450 -0.325 -0.075 0.175 n/a n/a n/a

740-759 -0.450 -0.325 0.050 0.300 n/a n/a n/a

720-739 -0.450 -0.325 0.050 0.300 n/a n/a n/a



NOO Purchase

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

800+ -0.825 -0.825 -0.450 -0.200 0.050 n/a n/a

780-799 -0.825 -0.825 -0.450 -0.200 0.050 n/a n/a

760-779 -0.825 -0.700 -0.325 -0.200 0.175 n/a n/a

740-759 -0.825 -0.700 -0.200 -0.075 0.300 n/a n/a

720-739 -0.825 -0.700 -0.200 -0.075 0.300 n/a n/a

700-719 -0.700 -0.575 -0.075 0.175 0.550 n/a n/a


NOO Rate/Term

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

800+ -0.450 -0.450 -0.200 0.050 0.300 n/a n/a

780-799 -0.450 -0.450 -0.200 0.050 0.300 n/a n/a

760-779 -0.450 -0.325 -0.075 0.050 0.425 n/a n/a

740-759 -0.450 -0.325 0.050 0.175 0.550 n/a n/a

720-739 -0.450 -0.325 0.050 0.175 0.550 n/a n/a

700-719 -0.325 -0.200 0.175 0.425 0.800 n/a n/a


NOO C/O

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

800+ n/a n/a n/a n/a n/a n/a n/a







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

Interest Only (2nd home) 0.500 0.500 1.000 1.000 n/a 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 100.850

15YR 100.850

5/1 Arm 100.850

7/1 Arm 100.850

10/1 Arm 100.850

Rate Sheet: RTL-2003 AFS

n/a


n/a

OTHER/CLTVLTV/CLTV (%)

75.01-80%

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

LTV/CLTV (%)

75.01-80%

n/a

LTV/CLTV (%)

75.01-80%

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

LTV/CLTV (%)

75.01-80%

n/a

LTV/CLTV (%)

75.01-80%

n/a

n/a

n/a

0.050

0.050

0.175

0.300

0.550

0.675

0.050

0.300

0.425

n/a

LTV/CLTV (%)

75.01-80%

n/a

LTV/CLTV (%)

75.01-80%

-0.200

-0.200

-0.075

n/a

n/a

n/a

n/a

n/a

n/a

0.300

0.550

0.675

0.925

LTV/CLTV (%)

75.01-80%

0.675LTV/CLTV (%)

75.01-80%

0.050

0.050

0.175

-0.200

-0.200

-0.075

0.050

0.300

0.425


Ruby Jumbo Price Adjustments

Applicable to All FICO/CLTV

LTV/CLTV (%)

75.01-80%

Monday, April 6, 2020 Retail Rates effective until 3:30 pm PDT (In an occurrence of a Price Change, Notification will be sent)

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


Page 10

7:30AM


5.125% 0.151 0.401 4.250% 1.953 2.203 4.250% 1.227 1.477 4.250% 1.490 1.740

5.000% 0.337 0.587 4.125% 2.254 2.504 4.125% 1.549 1.799 4.125% 1.688 1.938

4.875% 0.575 0.825 4.000% 2.611 2.861 4.000% 1.900 2.150 4.000% 1.964 2.214

4.750% 0.855 1.105 3.875% 3.009 3.259 3.875% 2.273 2.523 3.875% 2.302 2.552

4.625% 1.162 1.412 3.750% 3.432 3.682 3.750% 2.656 2.906 3.750% 2.688 2.938

4.500% 1.485 1.735 3.625% 3.864 4.114 3.625% 3.042 3.292 3.625% 3.104 3.354

4.375% 1.823 2.073 3.500% 4.297 4.547 3.500% 3.452 3.702 3.500% 3.537 3.787

4.250% 2.185 2.435 3.375% 4.742 4.992 3.375% 3.897 4.147 3.375% 3.993 4.243

4.125% 2.579 2.829 3.250% 5.211 5.461 3.250% 4.385 4.635 3.250% 4.479 4.729

4.000% 3.011 3.261 3.125% 5.719 5.969 3.125% 4.927 5.177 3.125% 5.006 5.256


4.625% 0.391 0.641 4.000% 1.068 1.318 3.875% (0.185) 0.065 4.000% (0.626) (0.376)

4.500% 0.541 0.791 3.875% 1.192 1.442 3.750% 0.092 0.342 3.875% (0.290) (0.040)

4.375% 0.692 0.942 3.750% 1.313 1.563 3.625% 0.372 0.622 3.750% 0.048 0.298

4.250% 0.846 1.096 3.625% 1.434 1.684 3.500% 0.652 0.902 3.625% 0.387 0.637

4.125% 1.004 1.254 3.500% 1.555 1.805 3.375% 0.933 1.183 3.500% 0.727 0.977

4.000% 1.170 1.420 3.375% 1.680 1.930 3.250% 1.212 1.462 3.375% 1.067 1.317

3.875% 1.338 1.588 3.250% 1.816 2.066 3.125% 1.489 1.739 3.250% 1.407 1.657

3.750% 1.509 1.759 3.125% 1.973 2.223 3.000% 1.766 2.016 3.125% 1.750 2.000

3.625% 1.685 1.935 3.000% 2.162 2.412 2.875% 2.042 2.292 3.000% 2.097 2.347

3.500% 1.872 2.122 2.875% 2.391 2.641 2.750% 2.323 2.573 2.875% 2.455 2.705

3.375% 2.079 2.329 2.750% 2.667 2.917 2.625% 2.604 2.854 2.750% 2.822 3.072

#REF!

Emerald 30 Yr Fixed Emerald 15 Yr Fixed


5.125% 1.061 1.311 3.750% 1.544 1.794 4.000% 0.060 0.310 3.990% 0.122 0.372

5.000% 1.128 1.378 3.625% 2.022 2.272 3.875% 0.239 0.489 3.875% 0.523 0.773

4.990% 1.143 1.393 3.500% 2.549 2.799 3.750% 0.523 0.773 3.750% 0.860 1.110

4.875% 1.569 1.819 3.375% 2.976 3.226 3.625% 0.847 1.097 3.625% 1.247 1.497

4.750% 1.885 2.135 3.250% 3.503 3.753 3.500% 1.020 1.270 3.500% 1.663 1.913

4.625% 2.088 2.338 3.125% 4.030 4.280 3.375% 1.380 1.630 3.375% 2.149 2.399

4.500% 2.166 2.416 3.000% 4.653 4.903 3.250% 1.795 2.045 3.250% 2.651 2.901

4.375% 1.585 1.835 2.875% 5.292 5.542 3.125% 2.260 2.510

2.750% 5.927 6.177 3.000% 2.575 2.825

2.625% 6.562 6.812 2.875% 3.090 3.340

2.500% 7.197 7.447



EMERALD JUMBOEmerald 5/1 ARM -

Medical Prof 5/1 ARM

Emerald 10/1 ARM -

Medical Prof 10/1 ARM



GOLD JUMBOGold 30/25 yr Fixed Gold 15 yr Fixed Gold 5/1 ARM Gold 7/1 ARM


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


Page 11

125CORONA

7:30AM

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 0.3750780-799 -0.1250 -0.0625 -0.0625 0.0000 0.1250 0.2500 0.4375760-779 -0.0625 -0.0625 -0.0625 0.0000 0.1250 0.3125 0.6250740-759 -0.0625 -0.0625 0.0000 0.0625 0.2500 0.4375 0.7500720-739 -0.0625 0.0000 0.0625 0.0625 0.3125 0.5000 0.9375700-719 -0.0625 0.0625 0.1250 0.1875 0.4375 0.7500 1.3750680-699 0.0000 0.1250 0.1875 0.2500 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/a2-4 untis 0.2500 0.3750 0.7500 1.0000 1.5000 2.0000 3.0000Condo 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/a780-799 -0.1250 -0.0625 -0.0625 0.1250 0.1875 0.3125 n/a760-779 -0.0625 -0.0625 0.0625 0.1875 0.3125 0.4375 n/a740-759 -0.0625 0.0625 0.1250 0.2500 0.3750 0.5625 n/a720-739 -0.0625 0.0625 0.1875 0.3125 0.5625 0.8125 n/a700-719 -0.0625 0.1250 0.3125 0.5000 0.7500 1.1875 n/a680-699 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 n/a n/a2-4 untis 0.2500 0.3750 0.7500 1.0000 1.5000 2.0000 3.0000Condo 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 0.5000780-799 -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 0.7500740-759 -0.0625 -0.0625 0.1250 0.1875 0.3750 0.5625 0.8750720-739 -0.0625 0.0000 0.1875 0.1875 0.4375 0.6250 1.0625700-719 -0.0625 0.0625 0.2500 0.3125 0.5625 0.8750 1.5000680-699 0.0000 0.1250 0.3125 0.3750 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%


DTI >40% 0.0000 0.0000 0.1250 0.1875 0.1875 0.2500 0.3750Applicable 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/a780-799 -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/a740-759 -0.0625 0.0625 0.2500 0.3750 0.5000 0.6875 n/a720-739 -0.0625 0.0625 0.3125 0.4375 0.6875 0.9375 n/a700-719 -0.0625 0.1250 0.4375 0.6250 0.8750 1.3125 n/a680-699 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%


DTI >40% n/a n/a n/a n/a n/a n/a n/aApplicable to ARM 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 * Platinum 30 yr Fixed Rate*Escrow wavier( excluding Ca, NC, DC, and NY) 0.125 * Platinum 15 yr Fixed Rate*Purchase Special on Purchase and R/T only -0.125 * Platinum 10/1 ARM, 7/1 ARM, 5/1 ARM

*Loans Amount > $2M 0.500 * Loans >$2M - $3M

* Loans >$3M - $4M

* Loans >$4M - $5MProperty Type Property Type* Condos w/LTV 70.01-75% 0.250 * Condos w/LTV 70.01-75%

* Condos w/LTV 70.01-75% 0.375 * Condos w/LTV 70.01-75%

* 2 Unit Properties w/LTV 0-60% 0.250 * 2 Unit Properties w/LTV 0-60%

* 2 Unit Properties w/LTV 60.01-65% 0.375 * 2 Unit Properties w/LTV 60.01-65%

* 2 Unit Properties w/LTV 65.01-70% 0.500 * 2 Unit Properties w/LTV 65.01-70%

Amount <=50 55.01-60 60.01-65 65.01-70 Amount <=50 55.01-60 60.01-65 65.01-70

$510,401-$650,000 (Fixed 30 Year); $200,000-$650,000 (Fixed 10 & 15 Year) 0.375 N/A N/A N/A $200K-$650K 0.375 N/A N/A N/A

$650K<$850K 0.375 N/A N/A N/A $650K-$850K 0.375 N/A N/A N/A

$850K-$1M 0.375 N/A N/A N/A $850K-$1M 0.375 N/A N/A N/A

Amount <=55 55.01-60 60.01-65 65.01-70 70-01-75 Amount <=55 55.01-60 60.01-65 65.01-70 70-01-75

< $1.5M 0.000 0.125 0.250 0.250 N/A $200,000-$1,500,000 0.000 0.125 0.250 0.250 N/A

$1.5M< $2M 0.000 0.125 0.250 0.250 N/A $1.5M< $2M 0.000 0.125 0.250 0.250 N/A$2M< $2.5M 0.000 0.125 0.250 N/A N/A $2M< $2.5M 0.000 0.125 0.250 N/A N/A

$2.5M<3M 0.000 0.125 0.250 N/A N/A $2.5M<3M 0.000 0.125 0.250 N/A N/A

Cashout Refinance Loan Amount

Amount <=55 55.01-60 60.01-65 65.01-70 >75.00 Amount <=55 55.01-60 60.01-65 65.01-70 70-01-75$510,401-$1,000,000 (Fixed 30 Year); $200,000-$1,000,000 (Fixed 10 & 15 Year)0.125 0.125 0.375 0.625 N/A $200K<$1M 0.125 0.125 0.375 0.625 N/A

$1M<$1.5M 0.125 0.125 0.375 0.625 N/A $1M<$1.5M 0.125 0.125 0.375 0.625 N/A$1.5<$2.0M 0.125 0.125 0.375 0.625 N/A $1.5<$2.0M 0.125 0.125 0.375 0.625 N/A

$2.0M<$3.0M 0.125 0.125 0.375 0.625 N/A $2.0M<$5.0M 0.125 0.125 0.375 0.625 N/A

* CLTV >80% 0.250 * CLTV >80%

High LTV ARM 80.01-85.00 FICO <=55.00% 55.01-60.00%60.01-65.00%65.01-70.00% 70.01-75.00% High LTV ARM 85.01-89.90>=760 -0.625 -0.625 -0.250 0.000 0.000

740-759 -0.500 -0.375 -0.125 0.000 0.000720-739 0.000 0.000 0.000 0.000 0.000 FICO <=55.00% 55.01-60.00% 60.01-65.00% 65.01-70.00% 70.01-75%<=719 0.250 0.250 0.250 0.500 0.625 >=760 -0.625 -0.500 -0.375 -0.250 -0.125

740-759 -0.500 -0.375 -0.250 -0.125 0.000720-739 -0.375 -0.250 -0.125 -0.125 0.000<=719 0.000 0.000 0.000 0.125 0.250

FICO <=70.00% 70.01-80.00% 80.01-85.00% 85.01-90.00% >90%>=760 0.000 0.125 0.375 0.500 0.625

740-759 0.125 0.250 0.375 0.625 0.875720-739 0.250 0.500 0.750 1.000 1.375701-719 0.500 0.750 1.000 1.375 N/A

700 0.750 1.000 1.375 1.750 N/A

* Emerald Fixed Rate* Emerald ARMs

Rate


0.000 LTV/CLTV (%)0.5001.250

Medical Professional Program only (LPMI Adds included in the below adjusts, all other ARM adds do not apply)

LTV/CLTV (%)

Miscellaneous

Credit Score High LTV ARM rate adjustmentsLTV/CLTV (%)

>75.00%0.000 Credit Score

70-01-75N/AN/AN/AN/A

Miscellaneous

N/A

N/AN/A

N/A

Cashout Refinance Loan AmountLTV/CLTV(%) LTV/CLTV(%)

Second Home Loan Amount Second Home Loan AmountLTV/CLTV(%) LTV/CLTV(%)

75.01-80

Loan Amount Loan Amount

Investment Loan Amount Investment Loan AmountLTV/CLTV(%) LTV/CLTV(%)

Monday, April 6, 2020 Retail Rates effective until 5:00 pm PDT (In an occurrence of a Price Change, Notification will be sent)

JUMBO PRICE ADJUSTMENTS

Ju

mb

o/N

on

-Co

nfo

rmin

g

Platinum Jumbo Price Adjustments


Emerald Jumbo Price AdjustmentsApplicable to Fixed Rate Loans Applicable to ARM Loans

Page 12

7:30AM

LTV/FICO Purch 30/25/20 <=55% >55.01-60% >60.01-65% 65.01-70% 70.01-75% 75.01-80% 80.01-85% 85.01-90% 2-4 Unit CLTV 680-699 N/A N/A N/A N/A N/A N/A N/A N/A 2-4 Unit CLTV >75.00 <=80.00% N/A

700-719 (0.750) (0.625) (0.375) (0.250) 0.500 0.875 N/A N/A 2-4 Unit CLTV >70.00 <=75.00% 0.250

720-739 (0.875) (0.750) (0.500) (0.500) (0.250) 0.250 N/A N/A 2-4 Unit CLTV >65.00 <=70.00% 0.250

740-759 (0.875) (0.750) (0.500) (0.500) (0.250) 0.000 N/A N/A 2-4 Unit CLTV >60.00 <=65.00% 0.125

760-779 (0.875) (0.750) (0.625) (0.625) (0.375) (0.125) N/A N/A 2-4 Unit CLTV >55.00 <=60.00% 0.125780-799 (0.875) (0.875) (0.750) (0.625) (0.500) (0.250) N/A N/A 2-4 Unit CLTV <=55.00% 0.125

>800 (0.875) (0.875) (0.750) (0.625) (0.500) (0.250) N/A N/A OccupancyNOO CLTV >75.00 <=80.00% N/A

LTV/FICO R/T 30/25/20 <=55% >55.01-60% >60.01-65% 65.01-70% 70.01-75% 75.01-80% 80.01-85% 85.01-90% NOO CLTV >70.00 <=75.00% N/A

680-699 N/A N/A N/A N/A N/A N/A N/A N/A NOO CLTV >65.00 <=70.00% N/A

700-719 (0.375) (0.250) (0.125) 0.000 0.750 1.125 N/A N/A NOO CLTV >60.00 <=65.00% N/A

720-739 (0.500) (0.375) (0.250) (0.250) 0.000 0.500 N/A N/A NOO CLTV >55.00 <=60.00% N/A

740-759 (0.500) (0.375) (0.250) (0.250) 0.000 0.250 N/A N/A NOO CLTV <=55.00% N/A760-779 (0.500) (0.375) (0.375) (0.375) (0.125) 0.125 N/A N/A Loan Amount780-799 (0.500) (0.500) (0.500) (0.375) (0.250) 0.000 N/A N/A >1.5M <=3.0M 0.125

>800 (0.500) (0.500) (0.500) (0.375) (0.250) 0.000 N/A N/A Miscellaneous20 yr fixed-use 30 yr price (0.375)

LTV/FICO Cash Out 30/25/20 <=55% >55.01-60% >60.01-65% 65.01-70% 70.01-75% 75.01-80% 10 yr fixed-use 15 yr price (0.500)

680-699 N/A N/A N/A N/A N/A N/A Escrow Waiver 0.125

700-719 N/A N/A N/A N/A N/A N/A CA - All Cash Out >60% LTV N/A

720-739 N/A N/A N/A N/A N/A N/A CA - San Benito, Santa Clara County Cash Out >70% LTV N/A

740-759 N/A N/A N/A N/A N/A N/A FL - Miami-Dade County Cash Out N/A

760-779 N/A N/A N/A N/A N/A N/A Sub Financing LTV<=80% and CLTV >80% N/A780-799 N/A N/A N/A N/A N/A N/A Non-QM Doc Feature and DTI <=43%

>800 N/A N/A N/A N/A N/A N/A FICO >= 720 and LTV <= 80% 0.250

FICO >= 720 and LTV > 80% 1.000

LTV/FICO Purch 15/10 Yr Fixed <=55% >55.01-60% >60.01-65% 65.01-70% 70.01-75% 75.01-80% 80.01-85% 85.01-90% FICO < 720 1.000

680-699 N/A N/A N/A N/A N/A N/A N/A N/A

700-719 (0.750) (0.625) (0.375) (0.250) 0.500 0.875 N/A N/A

720-739 (0.875) (0.750) (0.500) (0.500) (0.250) 0.250 N/A N/A

740-759 (0.875) (0.750) (0.500) (0.500) (0.250) 0.000 N/A N/A

760-779 (0.875) (0.750) (0.625) (0.625) (0.375) (0.125) N/A N/A

780-799 (0.875) (0.875) (0.750) (0.625) (0.500) (0.250) N/A N/A

>800 (0.875) (0.875) (0.750) (0.625) (0.500) (0.250) N/A N/A

LTV/FICO R/T 15/10 Yr Fixed <=55% >55.01-60% >60.01-65% 65.01-70% 70.01-75% 75.01-80% 80.01-85% 85.01-90%

680-699 N/A N/A N/A N/A N/A N/A N/A N/A

700-719 (0.375) (0.250) (0.125) 0.000 0.750 1.125 N/A N/A

720-739 (0.500) (0.375) (0.250) (0.250) 0.000 0.500 N/A N/A

740-759 (0.500) (0.375) (0.250) (0.250) 0.000 0.250 N/A N/A

760-779 (0.500) (0.375) (0.375) (0.375) (0.125) 0.125 N/A N/A

780-799 (0.500) (0.500) (0.500) (0.375) (0.250) 0.000 N/A N/A

>800 (0.500) (0.500) (0.500) (0.375) (0.250) 0.000 N/A N/A

LTV/FICO Cash Out 15/10 <=55% >55.01-60% >60.01-65% 65.01-70% 70.01-75% 75.01-80%

680-699 N/A N/A N/A N/A N/A N/A

700-719 N/A N/A N/A N/A N/A N/A720-739 N/A N/A N/A N/A N/A N/A

740-759 N/A N/A N/A N/A N/A N/A

760-779 N/A N/A N/A N/A N/A N/A *Gold Jumbo Fixed (Ln Amt <=$800k) 100.750

780-799 N/A N/A N/A N/A N/A N/A *Gold Jumbo Fixed (Ln Amt >$800k) 100.250

>800 N/A N/A N/A N/A N/A N/A

LTV/FICO Purch <=55% >55.01-60% >60.01-65% 65.01-70% 70.01-75% 75.01-80% 80.01-85% 85.01-90% 2-4 Unit CLTV 680-699 N/A N/A N/A N/A N/A N/A N/A N/A 2-4 Unit CLTV >75.00 <=80.00% N/A

700-719 (0.750) (0.625) (0.375) (0.250) 0.500 0.875 N/A N/A 2-4 Unit CLTV >70.00 <=75.00% 0.250

720-739 (0.875) (0.750) (0.500) (0.500) (0.250) 0.250 N/A N/A 2-4 Unit CLTV >65.00 <=70.00% 0.250

740-759 (0.875) (0.750) (0.500) (0.500) (0.250) 0.000 N/A N/A 2-4 Unit CLTV >60.00 <=65.00% 0.125

760-779 (0.875) (0.750) (0.625) (0.625) (0.375) (0.125) N/A N/A 2-4 Unit CLTV >55.00 <=60.00% 0.125

780-799 (0.875) (0.875) (0.750) (0.625) (0.500) (0.250) N/A N/A 2-4 Unit CLTV <=55.00% 0.125

>800 (0.875) (0.875) (0.750) (0.625) (0.500) (0.250) N/A N/A OccupancyNOO CLTV >75.00 <=80.00% N/A

LTV/FICO R/T <=55% >55.01-60% >60.01-65% 65.01-70% 70.01-75% 75.01-80% 80.01-85% 85.01-90% NOO CLTV >70.00 <=75.00% N/A

680-699 N/A N/A N/A N/A N/A N/A N/A N/A NOO CLTV >65.00 <=70.00% N/A

700-719 (0.375) (0.250) (0.125) 0.000 0.750 1.125 N/A N/A NOO CLTV >60.00 <=65.00% N/A

720-739 (0.500) (0.375) (0.250) (0.250) 0.000 0.500 N/A N/A NOO CLTV >55.00 <=60.00% N/A

740-759 (0.500) (0.375) (0.250) (0.250) 0.000 0.250 N/A N/A NOO CLTV <=55.00% N/A

760-779 (0.500) (0.375) (0.375) (0.375) (0.125) 0.125 N/A N/A Miscellaneous780-799 (0.500) (0.500) (0.500) (0.375) (0.250) 0.000 N/A N/A Escrow Waiver 0.125

>800 (0.500) (0.500) (0.500) (0.375) (0.250) 0.000 N/A N/A CA - All Cash Out >60% LTV N/A

CA - San Benito, Santa Clara County Cash Out >70% LTV N/A

LTV/FICO Cash Out <=55% >55.01-60% >60.01-65% 65.01-70% 70.01-75% 75.01-80% FL - Miami-Dade County Cash Out N/A

680-699 N/A N/A N/A N/A N/A N/A Sub Financing LTV<=80% and CLTV >80% N/A

700-719 N/A N/A N/A N/A N/A N/A

720-739 N/A N/A N/A N/A N/A N/A Non-QM Doc Feature and DTI <=43%740-759 N/A N/A N/A N/A N/A N/A FICO >= 720 and LTV <= 80% 0.250

760-779 N/A N/A N/A N/A N/A N/A FICO >= 720 and LTV > 80% 1.000

780-799 N/A N/A N/A N/A N/A N/A FICO < 720 1.000>800 N/A N/A N/A N/A N/A N/A

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

*Gold Jumbo 5/1 & 7/1 ARM Interest Only 100.250

*Gold Jumbo 5/1 & 7/1 ARM (Non Interest only) 100.250

*Gold Jumbo 10/1 ARM Interest Only & Ln Amt <=$800k100.750

*Gold Jumbo 10/1 ARM Interest Only & Ln Amt >$800k100.250

*Gold Jumbo 10/1 ARM (Non IO) & Ln Amt <=$800k 100.750

*Gold Jumbo 10/1 ARM (Non-IO) & Ln Amt >$800k 100.250

Rate Sheet: RTL-2003


Gold ARMs Adjustments

LTV (%) Applicable To: All Gold ARM Products

LTV (%)

LTV (%)

LTV (%)

LTV (%)

LTV (%)

LTV (%)

Maximum Rebate/Price Cap(Price cap is after all LLPAs but before Lender Paid Comp)


GOLD PRICE ADJUSTMENTS

Ju

mb

o

Gold Fixed Adjustments

LTV (%) Applicable To: All Gold Fixed Products

LTV (%)

Page 13

Documents

Retail AFS/LCL Rates effective until 5:00 pm PDT (In an … · 2 days ago · Retail AFS/LCL Rates effective until 5:00 pm PDT (In an occurrence of a Price Change, Notification will