WS OB Gen RS - Loanstream Wholesale.../rdq6wuhdp /rfn 'hvn +rxuv duh dp wr sp 37,qwhqghg iru xvh e\ pruwjdjh surihvvlrqdov rqo\ dqg vkrxog qrw eh glvwulexwhg wr eruurzhuv dv ghilqhg

$Page 1: WS OB Gen RS - Loanstream Wholesale.../rdq6wuhdp /rfn 'hvn +rxuv duh dp wr sp 37,qwhqghg iru xvh e\ pruwjdjh surihvvlrqdov rqo\ dqg vkrxog qrw eh glvwulexwhg wr eruurzhuv dv ghilqhg$
19000 MacArthur Boulevard, 2nd FloorIrvine, CA 92612

Ratesheet Code:RS-WS 8:15am #1

Contact list

Tab Phone: 800-760-1833

2 Email:

3

4 Phone: 949-679-74005 Email:

6

Phone: Email OnlyEmail:

15 Day 01/27/21 Phone: Email Only

30 Day 02/11/21 Email:45 Day 02/26/2160 Day 03/13/21 Phone: Email Only

Email:



Phone: Email Only Lock Extension Fees 1

Email:

FHA Lender ID - California 20996-00001

FHA Lender ID - Outstate 20996-00018

VA Lender ID 169917

USDA Lender ID 33-0962918

Effective Date: 1/12/2021LoanStream Mortgage Wholesale Rate Sheet

Table of Contents LoanStream Select ProgramProduct *LSM Select Special: All

FNMA/FHLCM FICO => 700 & <= 80% LTV

0.300Corporate Headquarters:

FannieMae Products [email protected]

FreddieMac Products*LSM Select Special: All Gov't

Loans FICO => 680 & Loan Amts => $250K

0.350Agency LLPAs Lock Desk:Government Products [email protected]

Jumbo Product *Cannot be combined with VIP or Purchase Special. **Cannot be combined with VIP or Select

Special.U/W Loan Scenarios:

[email protected] Expiration Days

NAN-Q Scenarios & Prequals [email protected]

Management EscalationsGreg Armstrong [email protected]

Underwriting FeeClick Here CD Desk:

[email protected] Fee

(0.250) Funding Department:[email protected]

Submission [email protected]

0.02 per day

Max extension 30 days and/or 5 times whichever comes first.

*For turn times, please reach out to your AE.

Mortgagee Clause Lender ID Number

OCMBC, INC. ISAOA / ATIMA 19000 MACARTHUR BLVD SUITE

200 IRVINE, CA 92612

RATES AND LLPAs ARE SUBJECT TO CHANGE WITHOUT NOTICE. LoanStream Lock Desk Hours are 8:00am to 5:00pm PT

Intended for use by mortgage professionals only and should not be distributed to borrowers, as defined by Section 226.2 of Regulation Z. NOT FOR CONSUMER DISTRIBUTION.

LoanStream Mortgage19000 MacArthur Blvd, Suite 200

Irvine, CA 92612Effective:

FANNIE MAE 30 YEAR FIXED (101) FANNIE MAE 25 YEAR FIXED (125)

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

2.250 98.924 98.845 98.776 98.707 2.250 98.230 98.104 98.030 97.911 2.250 100.094 100.002 99.911 99.828

2.375 99.870 99.745 99.671 99.552 2.375 99.870 99.745 99.671 99.552 2.375 100.851 100.759 100.668 100.586

2.500 100.880 100.755 100.680 100.561 2.500 100.880 100.755 100.680 100.561 2.500 101.480 101.388 101.298 101.215

2.625 101.499 101.357 101.268 101.149 2.625 101.499 101.357 101.268 101.149 2.625 101.234 101.142 101.051 100.969

2.750 102.282 102.140 102.051 101.932 2.750 102.282 102.140 102.051 101.932 2.750 101.500 101.408 101.318 101.242

2.875 102.855 102.713 102.624 102.505 2.875 102.855 102.713 102.624 102.505 2.875 102.125 102.033 101.943 101.868

3.000 103.452 103.310 103.221 103.102 3.000 103.452 103.310 103.221 103.102 3.000 102.594 102.502 102.412 102.336

3.125 103.798 103.656 103.567 103.448 3.125 103.798 103.656 103.567 103.448 3.125 102.973 102.881 102.791 102.715

3.250 104.036 103.885 103.787 103.654 3.250 104.036 103.885 103.787 103.654 3.250 103.602 103.485 103.369 103.259

3.375 104.616 104.466 104.368 104.235 3.375 104.616 104.466 104.368 104.235 3.375 103.855 103.738 103.622 103.511

3.500 104.966 104.816 104.718 104.585 3.500 104.966 104.816 104.718 104.585 3.500 104.193 104.076 103.960 103.849

3.625 105.158 105.008 104.910 104.777 3.625 105.158 105.008 104.910 104.777 3.625 104.336 104.193 104.049 103.937

3.750 104.725 104.725 104.725 104.725 3.750 104.601 104.601 104.601 104.537 3.750 104.017 104.017 104.017 103.976

3.875 105.082 105.082 105.082 105.082 3.875 104.967 104.967 104.967 104.903 3.875 104.217 104.217 104.217 104.175

4.000 105.346 105.346 105.346 105.346 4.000 105.189 105.189 105.189 105.126 4.000 104.491 104.491 104.491 104.450

4.125 105.249 105.249 105.249 105.185 4.125 105.249 105.249 105.249 105.185 4.125 104.711 104.711 104.711 104.670

4.250 104.187 104.098 103.973 103.848 4.250 101.021 100.904 100.798 100.699 4.250 104.100 104.066 104.030 103.975

4.375 104.439 104.374 104.249 104.124 4.375 101.358 101.241 101.135 101.036 4.375 104.382 104.348 104.312 104.257

4.500 104.652 104.477 104.302 104.127 4.500 101.620 101.503 101.397 101.298 4.500 103.200 103.083 102.977 102.878

4.625 104.797 104.622 104.447 104.272 4.625 101.816 101.699 101.593 101.494 4.625 103.378 103.261 103.155 103.056

4.750 104.866 104.691 104.516 104.341 4.750 101.981 101.864 101.758 101.659 4.750 103.418 103.301 103.195 103.096

4.875 105.102 104.927 104.752 104.577 4.875 102.254 102.137 102.031 101.932

5.000 105.270 105.095 104.920 104.745

5.125 101.036 100.986 100.886 100.736

Rate 15-Day 30-Day 45-Day 60-Day Rate 15-Day 30-Day 45-Day 60-Day

2.250 101.909 101.806 101.747 101.641 2.250 101.078 101.019 100.961 100.905

2.375 102.354 102.251 102.192 102.086 2.375 101.523 101.464 101.406 101.350

2.500 102.764 102.661 102.602 102.496 2.500 101.933 101.875 101.816 101.760

2.625 102.779 102.701 102.632 102.564 2.625 102.338 102.279 102.221 102.165

2.750 103.232 103.154 103.085 103.016 2.750 102.637 102.564 102.498 102.434

2.875 103.552 103.452 103.352 103.252 2.875 103.067 102.994 102.927 102.864

3.000 103.877 103.777 103.677 103.577 3.000 103.495 103.422 103.355 103.292

3.125 104.206 104.106 104.006 103.906 3.125 103.816 103.744 103.677 103.614

3.250 104.131 104.119 104.119 104.119 3.250 103.410 103.281 103.153 103.025

3.375 104.408 104.308 104.261 104.261 3.375 103.704 103.570 103.437 103.303

3.500 104.667 104.567 104.467 104.367 3.500 103.917 103.779 103.640 103.548

3.625 104.980 104.880 104.780 104.680 3.625 103.998 103.854 103.710 103.631

3.750 104.419 104.419 104.419 104.419 3.750 103.559 103.435 103.410 103.383

3.875 104.440 104.370 104.345 104.268 3.875 103.584 103.564 103.539 103.512

4.000 103.716 103.556 103.397 103.238 4.000 103.684 103.664 103.639 103.612

4.125 104.085 103.921 103.757 103.592 4.125 104.066 104.046 104.021 103.994

4.250 104.394 104.225 104.055 103.886 4.250 102.139 102.061 101.986 101.914

4.375 104.605 104.431 104.256 104.081

Rate 15-Day 30-Day 45-Day 60-Day

2.250 98.230 98.104 98.030 97.911

2.375 99.870 99.745 99.671 99.552

2.500 100.880 100.755 100.680 100.561

2.625 101.499 101.357 101.268 101.149

2.750 102.282 102.140 102.051 101.932

2.875 102.855 102.713 102.624 102.505

3.000 103.452 103.310 103.221 103.102

3.125 103.798 103.656 103.567 103.448

3.250 104.036 103.885 103.787 103.654

3.375 104.616 104.466 104.368 104.235

3.500 104.966 104.816 104.718 104.585

3.625 105.158 105.008 104.910 104.777

3.750 104.601 104.601 104.601 104.537

3.875 104.967 104.967 104.967 104.903

4.000 105.189 105.189 105.189 105.126

4.125 105.249 105.249 105.249 105.185

4.250 101.156 101.039 100.933 100.834

4.375 101.493 101.376 101.270 101.171

4.500 101.800 101.683 101.577 101.478

4.625 102.081 101.964 101.858 101.759

4.750 102.125 102.008 101.902 101.803

4.875 102.430 102.313 102.207 102.108

5.000 102.703 102.586 102.480 102.381

January 12, 2021

FANNIE MAE CONFORMING FIXED RATE PRICINGFANNIE MAE 20 YEAR FIXED (120)

FANNIE MAE 15 YEAR FIXED (115) FANNIE MAE 10 YEAR FIXED (110)

CONFORMING ARM PRICINGFANNIE MAE 5/1 LIBOR ARM (A105) 2/2/5 FANNIE MAE 7/1 LIBOR ARM (A107) 5/2/5 FANNIE MAE 10/1 LIBOR ARM (A110) 5/2/5

HOME READY CONFORMING PRICING HOME READY 30 YEAR FIXED (R101) HOME READY 5/1 LIBOR ARM (RA105) 2/2/5 HOME READY 7/1 LIBOR ARM (RA107) 5/2/5


Irvine, CA 92612Effective:


2.250 98.837 98.758 98.689 98.620 2.500 100.334 100.192 100.099 99.953 2.250 100.719 100.627 100.536 100.453

2.375 99.541 99.462 99.393 99.324 2.625 101.192 101.033 100.926 100.779 2.375 101.476 101.384 101.293 101.211

2.500 100.334 100.192 100.099 99.953 2.750 101.744 101.585 101.478 101.331 2.500 102.105 102.013 101.923 101.840

2.625 101.192 101.033 100.926 100.779 2.875 102.315 102.156 102.049 101.902 2.625 101.859 101.767 101.676 101.594

2.750 101.744 101.585 101.478 101.331 3.000 102.739 102.581 102.473 102.327 2.750 102.125 102.033 101.943 101.867

2.875 102.315 102.156 102.049 101.902 3.125 103.133 102.974 102.867 102.720 2.875 102.750 102.658 102.568 102.493

3.000 102.739 102.581 102.473 102.327 3.250 102.327 102.160 102.043 101.883 3.000 103.219 103.127 103.037 102.961

3.125 103.133 102.974 102.867 102.720 3.375 102.799 102.631 102.515 102.355 3.125 103.598 103.506 103.416 103.340

3.250 102.437 102.343 102.258 102.173 3.500 103.228 103.061 102.945 102.785 3.250 104.227 104.110 103.994 103.884

3.375 102.893 102.798 102.713 102.629 3.625 103.294 103.127 103.011 102.851 3.375 104.480 104.363 104.247 104.136

3.500 103.259 103.164 103.079 102.995 3.750 102.328 102.179 102.030 101.881 3.500 104.818 104.701 104.585 104.474

3.625 103.536 103.441 103.356 103.272 3.875 102.674 102.520 102.366 102.212 3.625 104.906 104.788 104.672 104.562

3.750 102.969 102.969 102.969 102.969 4.000 102.983 102.824 102.665 102.506 3.750 104.642 104.642 104.642 104.601

3.875 103.309 103.309 103.309 103.309 4.125 102.932 102.767 102.603 102.438 3.875 104.842 104.842 104.842 104.800

4.000 103.595 103.595 103.595 103.595 4.250 102.898 102.729 102.559 102.390 4.000 105.116 105.116 105.116 105.075

4.125 103.330 103.320 103.320 103.242 4.375 103.190 103.015 102.841 102.666 4.125 105.336 105.336 105.336 105.295

4.250 103.330 103.325 103.325 103.227 4.500 103.468 103.288 103.108 102.928 4.250 104.725 104.691 104.655 104.600

4.375 103.593 103.588 103.588 103.489 4.625 103.449 103.264 103.079 102.894 4.375 105.007 104.973 104.937 104.882

4.500 103.711 103.706 103.706 103.607 4.750 104.804 104.614 104.424 104.234

4.625 103.688 103.683 103.683 103.584

4.750 104.804 104.614 104.424 104.234

4.875 104.362 104.362 104.362 104.243


2.250 100.728 100.641 100.554 100.467 2.250 99.702 99.593 99.535 99.429

2.375 101.271 101.179 101.086 100.994 2.375 100.007 99.898 99.840 99.734

2.500 101.785 101.687 101.590 101.492 2.500 100.333 100.211 100.144 100.031

2.625 102.174 102.071 101.969 101.866 2.625 100.740 100.617 100.550 100.437

2.750 102.489 102.381 102.273 102.165 2.750 100.997 100.875 100.808 100.695

2.875 102.752 102.639 102.526 102.413 2.875 101.317 101.194 101.127 101.014

3.000 103.050 102.932 102.814 102.696 3.000 101.631 101.513 101.435 101.322

3.125 103.130 103.007 102.884 102.761 3.125 101.775 101.652 101.528 101.405

3.250 102.850 102.721 102.593 102.465 3.250 102.191 102.062 101.934 101.806

3.375 103.100 102.967 102.833 102.700 3.375 102.511 102.377 102.243 102.110

3.500 103.347 103.209 103.070 102.931 3.500 102.830 102.692 102.553 102.414

3.625 103.445 103.301 103.157 103.014 3.625 102.758 102.614 102.471 102.327

3.750 103.076 102.927 102.778 102.629 3.750 102.322 102.173 102.024 101.875

3.875 103.400 103.246 103.092 102.938 3.875 102.580 102.426 102.272 102.118

4.000 103.810 103.651 103.492 103.333 4.000 102.855 102.696 102.537 102.378

4.125 104.111 103.947 103.782 103.618

4.250 104.327 104.158 103.988 103.819

4.375 101.303 101.225 101.150 101.078

January 12, 2021

FANNIE MAE HIGH BALANCE FIXED RATE PRICINGFANNIE MAE HB 30 YEAR FIXED (101HB) FANNIE MAE HB 25 YEAR FIXED (125HB) FANNIE MAE HB 20 YEAR FIXED (120HB)

FANNIE MAE HB 15 YEAR FIXED (115HB) FANNIE MAE HB 10 YEAR FIXED (110HB)

FANNIE MAE HIGH BALANCE ARM PRICINGFANNIE MAE 5/1 HB LIBOR ARM (A105HB) 2/2/5 FANNIE MAE 7/1 HB LIBOR ARM (A107HB) 5/2/5 FANNIE MAE 10/1 HB LIBOR ARM (A110HB) 5/2/5


Irvine, CA 92612

Effective:

FREDDIE MAC 30 YEAR FIXED (201) FREDDIE MAC 25 YEAR FIXED (225)


2.250 98.268 98.193 98.125 98.057 2.250 97.747 97.630 97.563 97.444 2.250 99.579 99.495 99.411 99.315

2.375 99.348 99.231 99.164 99.045 2.375 99.348 99.231 99.164 99.045 2.375 100.327 100.243 100.159 100.062

2.500 100.350 100.233 100.166 100.047 2.500 100.350 100.233 100.166 100.047 2.500 100.949 100.865 100.781 100.684

2.625 100.941 100.801 100.709 100.577 2.625 100.941 100.801 100.709 100.577 2.625 100.668 100.584 100.499 100.403

2.750 101.715 101.575 101.483 101.351 2.750 101.715 101.575 101.483 101.351 2.750 100.960 100.861 100.762 100.679

2.875 102.277 102.136 102.045 101.912 2.875 102.277 102.136 102.045 101.912 2.875 101.574 101.476 101.377 101.294

3.000 102.865 102.725 102.633 102.500 3.000 102.865 102.725 102.633 102.500 3.000 102.034 101.936 101.837 101.754

3.125 103.199 103.058 102.967 102.834 3.125 103.199 103.058 102.967 102.834 3.125 102.401 102.303 102.203 102.121

3.250 103.306 103.148 103.040 102.893 3.250 103.306 103.148 103.040 102.893 3.250 102.854 102.713 102.573 102.463

3.375 103.916 103.758 103.650 103.503 3.375 103.916 103.758 103.650 103.503 3.375 103.097 102.956 102.816 102.705

3.500 104.214 104.056 103.948 103.801 3.500 104.214 104.056 103.948 103.801 3.500 103.422 103.282 103.142 103.031

3.625 104.450 104.292 104.184 104.038 3.625 104.450 104.292 104.184 104.038 3.625 103.599 103.455 103.311 103.167

3.750 103.893 103.893 103.893 103.893 3.750 103.722 103.660 103.641 103.543 3.750 103.090 103.046 102.996 102.947

3.875 104.225 104.225 104.225 104.225 3.875 104.077 104.015 103.996 103.898 3.875 103.279 103.235 103.185 103.137

4.000 104.473 104.473 104.473 104.473 4.000 104.292 104.230 104.212 104.113 4.000 103.547 103.503 103.453 103.404

4.125 104.343 104.282 104.263 104.165 4.125 104.343 104.282 104.263 104.165 4.125 103.759 103.715 103.665 103.616

4.250 103.352 103.195 103.070 102.945 4.250 100.143 100.026 99.920 99.821 4.250 103.232 103.181 103.122 103.067

4.375 103.596 103.465 103.340 103.215 4.375 100.473 100.356 100.250 100.151 4.375 103.507 103.455 103.397 103.342

4.500 103.805 103.630 103.455 103.280 4.500 100.727 100.610 100.504 100.405 4.500 102.314 102.197 102.091 101.992

4.625 103.950 103.775 103.600 103.425 4.625 100.914 100.797 100.691 100.592 4.625 102.486 102.369 102.263 102.164

4.750 104.038 103.863 103.688 103.513 4.750 101.083 100.966 100.860 100.761

4.875 104.270 104.095 103.920 103.745 4.875 101.350 101.233 101.127 101.028

5.000 104.434 104.259 104.084 103.909

5.125 100.229 100.179 100.079 99.929


2.250 101.287 101.181 101.123 101.017 2.250 100.457 100.395 100.337 100.281

2.375 101.725 101.619 101.561 101.455 2.375 100.895 100.833 100.775 100.718

2.500 102.119 102.014 101.955 101.849 2.500 101.289 101.228 101.169 101.113

2.625 102.008 101.931 101.863 101.795 2.625 101.685 101.623 101.565 101.509

2.750 102.454 102.361 102.292 102.224 2.750 101.959 101.892 101.825 101.761

2.875 102.795 102.695 102.595 102.495 2.875 102.381 102.314 102.247 102.184

3.000 103.122 103.022 102.922 102.822 3.000 102.810 102.743 102.676 102.613

3.125 103.451 103.351 103.251 103.151 3.125 103.126 103.059 102.992 102.928

3.250 103.311 103.231 103.231 103.231 3.250 102.556 102.427 102.299 102.171

3.375 103.590 103.490 103.390 103.367 3.375 102.849 102.716 102.582 102.449

3.500 103.850 103.750 103.650 103.550 3.500 103.063 102.924 102.785 102.723

3.625 104.166 104.066 103.966 103.866 3.625 103.144 103.000 102.856 102.797

3.750 103.571 103.571 103.571 103.571 3.750 103.020 102.871 102.722 102.573

3.875 103.559 103.490 103.465 103.388 3.875 102.703 102.684 102.659 102.632

4.000 103.177 103.017 102.858 102.699 4.000 102.799 102.781 102.755 102.729

4.125 103.283 103.118 102.954 102.789 4.125 103.174 103.156 103.131 103.104

4.250 103.592 103.422 103.253 103.083 4.250 101.228 101.150 101.075 101.003

4.375 103.803 103.628 103.454 103.279


2.250 97.409 97.393 97.257 97.241 2.250 99.750 99.696 99.340 99.305 2.250 100.238 100.151 100.063 99.976

2.375 98.101 98.085 97.948 97.933 2.375 100.528 100.484 100.146 100.111 2.375 100.614 100.522 100.430 100.337

2.500 98.703 98.606 98.508 98.411 2.500 101.201 101.161 100.810 100.775 2.500 100.969 100.871 100.774 100.676

2.625 99.405 99.302 99.199 99.108 2.625 100.960 100.920 100.566 100.531 2.625 101.516 101.413 101.311 101.208

2.750 100.228 100.120 100.012 99.904 2.750 101.344 101.280 101.073 101.020 2.750 101.880 101.772 101.664 101.556

2.875 100.767 100.654 100.541 100.439 2.875 101.905 101.841 101.635 101.581 2.875 102.180 102.067 101.954 101.841

3.000 101.200 101.082 100.964 100.846 3.000 102.594 102.536 102.332 102.278 3.000 102.435 102.317 102.199 102.081

3.125 101.093 100.970 100.846 100.780 3.125 102.801 102.744 102.546 102.493 3.125 102.543 102.420 102.296 102.173

3.250 101.745 101.688 101.573 101.515 3.250 103.334 103.251 103.077 103.005 3.250 102.175 102.047 101.918 101.790

3.375 102.195 102.137 102.022 101.965 3.375 103.503 103.425 103.256 103.184 3.375 102.408 102.274 102.141 102.007

3.500 102.409 102.351 102.236 102.179 3.500 103.891 103.814 103.651 103.579 3.500 102.659 102.520 102.381 102.243

3.625 102.419 102.362 102.247 102.190 3.625 103.960 103.889 103.726 103.654 3.625 102.790 102.646 102.502 102.359

3.750 102.211 102.200 102.200 102.122 3.750 104.438 104.350 104.072 103.982 3.750 102.444 102.295 102.146 101.997

3.875 102.543 102.532 102.532 102.454 3.875 104.634 104.550 104.275 104.185 3.875 102.817 102.663 102.509 102.355

4.000 102.705 102.695 102.695 102.617 4.000 104.851 104.772 104.500 104.410 4.000 103.161 103.002 102.843 102.684

4.125 102.705 102.695 102.695 102.617 4.125 104.903 104.826 104.556 104.466 4.125 103.412 103.247 103.083 102.919

4.250 102.705 102.700 102.700 102.602 4.250 105.662 105.607 105.519 105.410 4.250 103.546 103.377 103.207 103.038

4.375 102.968 102.963 102.963 102.864 4.375 105.682 105.630 105.546 105.436 4.375 100.678 100.600 100.525 100.453

4.500 103.086 103.081 103.081 102.982 4.500 103.086 103.081 103.081 102.982

4.625 103.063 103.058 103.058 102.959 4.625 103.063 103.058 103.058 102.959

4.750 104.201 104.011 103.821 103.631 4.750 103.510 103.510 103.510 103.390

4.875 103.737 103.737 103.737 103.618 4.875 103.737 103.737 103.737 103.618

January 12, 2021

FREDDIE MAC FIXED RATE PRICINGFREDDIE MAC 20 YEAR FIXED (220)

FREDDIE MAC 15 YEAR FIXED (215) FREDDIE MAC 10 YEAR FIXED (210)

FREDDIE MAC SUPER CONFORMING FIXED RATE PRICINGFREDDIE MAC SC 30 YEAR FIXED (201SC) FREDDIE MAC SC 20 YEAR FIXED (220SC) FREDDIE MAC SC 15 YEAR FIXED (215SC)


Irvine, CA 92612

Effective:


2.250 98.379 98.265 98.183 98.014

2.375 99.261 99.147 99.065 98.896

2.500 99.949 99.832 99.671 99.495

2.625 100.483 100.375 100.214 100.015

2.750 101.239 101.101 101.021 100.788

2.875 101.971 101.849 101.775 101.547

3.000 102.633 102.529 102.460 102.235

3.125 102.980 102.886 102.811 102.590

3.250 103.177 103.015 102.952 102.733

3.375 103.761 103.604 103.543 103.325

3.500 104.175 104.027 103.967 103.751

3.625 104.478 104.339 104.251 104.037

3.750 103.999 103.964 103.964 103.800

3.875 104.366 104.331 104.331 104.167

4.000 104.500 104.500 104.500 104.423

4.125 104.500 104.500 104.500 104.500

4.250 104.500 104.500 104.500 104.496

4.375 104.500 104.500 104.500 104.500


2.250 97.933 97.833 97.733 97.633

2.375 98.774 98.674 98.574 98.474

2.500 99.403 99.303 99.203 99.103

2.625 99.947 99.847 99.747 99.647

2.750 100.827 100.727 100.627 100.527

2.875 101.577 101.477 101.377 101.277

3.000 102.185 102.085 101.985 101.885

3.125 102.526 102.426 102.326 102.226

3.250 102.615 102.515 102.415 102.315

3.375 103.171 103.071 102.971 102.871

3.500 103.533 103.433 103.333 103.233

3.625 103.819 103.719 103.619 103.519

January 12, 2021

HOME POSSIBLE CONFORMING PRICINGHOME POSSIBLE 30 YEAR FIXED (HP201) HOME POSSIBLE 20 YEAR FIXED (HP220) HOME POSSIBLE 15 YEAR FIXED (HP215)

HOME POSSIBLE ADVANTAGECONFORMING PRICINGHOME POSSIBLE 30 YEAR FIXED (HPA201) HOME POSSIBLE 20 YEAR FIXED (HPA220) HOME POSSIBLE 15 YEAR FIXED (HPA215)


Irvine, CA 92612

Effective:

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

-2.125 -2.125 -2.125 -3.375 -4.125 N/A N/A N/A

-1.000 -1.000 -1.000 -1.000 -1.000 -1.000 -1.000 N/A

-1.000 -1.000 -1.000 -1.000 -1.500 -2.000 -2.000 N/A

-1.500 -1.500 -1.500 -1.500 N/A N/A N/A N/A

0.000 0.000 0.000 -0.750 -0.750 -0.750 -0.750 -0.750

-2.000 -2.000 -2.000 -2.000 -2.000 -2.000 -2.000 N/A

-0.500 -1.500 -3.000 -3.000 -3.250 -3.250 -3.250 -3.500

-0.500 -1.250 -2.750 -3.000 -3.250 -2.750 -2.750 -2.750

0.000 -1.000 -2.250 -2.750 -2.750 -2.250 -2.250 -2.250

0.000 -0.500 -1.250 -1.750 -1.500 -1.250 -1.250 -1.500

0.000 -0.500 -1.000 -1.250 -1.000 -1.000 -1.000 -1.500

0.000 -0.250 -0.500 -0.750 -0.500 -0.500 -0.500 -1.000

0.000 -0.250 -0.250 -0.500 -0.250 -0.250 -0.250 -0.750

-0.625 -1.625 -1.625 -3.125 N/A N/A N/A N/A

-0.625 -1.625 -1.625 -2.625 N/A N/A N/A N/A

-0.625 -1.125 -1.125 -1.875 N/A N/A N/A N/A

-0.375 -1.125 -1.125 -1.750 N/A N/A N/A N/A

-0.375 -1.000 -1.000 -1.125 N/A N/A N/A N/A

-0.375 -1.000 -1.000 -1.125 N/A N/A N/A N/A

-0.375 -0.625 -0.625 -0.875 N/A N/A N/A N/A

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

-1.000 -1.000 -1.000 -1.000 N/A N/A N/A N/A

-1.000 -1.000 -1.000 -1.750 -1.750 -1.750 -2.000 N/A

-1.750 -1.750 -1.750 -2.500 N/A N/A N/A N/A

-1.000

-0.375

-1.000

-0.500

-0.250

-0.250

-0.375

0.300

FICO↓ - LTV → 95.01-97%620-639 -10.000640-659 -9.130660-679 -8.420 0.000

680-699 -6.270 All other LTV & FICO combinations -1.500

700-719 -5.050720-739 -4.230740-759 -3.320760+ -2.300

FICO 620-639 640-659 660-679 680-699 700-719 720-739 => 740

Rate & Term Refi -1.050 -1.050 -1.050 -0.530 -0.530 0.000 0.000

Second Home -1.230 -1.230 -1.230 -0.700 -0.700 -0.490 -0.250

Investment NA NA NA -1.750 -1.750 -1.330 -1.190

Manufactured Home -1.300 -1.300 -1.300 -1.000 -1.000 -0.700 -0.500

3-4 Units -2.630 -2.630 -2.630 -1.750 -1.750 -1.330 -1.190

>45% DTI -1.820 -1.600 -1.420 -1.240 -1.060 -0.760 -0.620

≥ 2 Borrowers -0.270 -0.230 -0.220 -0.210 -0.200 -0.200 -0.200

**Prices are indicative and subject to change without notice. Please log into LSM portal to obtain live lock pricing.

Not all price adjustments are effective for all products. Please refer to LSM guide for complete eligibility rules.

Intended for use by mortgage professionals only and should not be distributed to borrowers, as defined by Section 226.2 of Regulation Z**

January 12, 2021AGENCY FIXED AND ARM ADJUSTMENTS ***

Adjustments are to PRICE - Use all that apply. Adjustments are not representative of guidelines.

Investment Property

2-Units

3-4 Units (FIXED)

3-4 Units (ARMS)

Condo (N/A for Detached Condos)

Manufactured Homes

FICO 620 - 639 (N/A for 15 Year Term or less)






FICO >=740 (N/A for 15 Year Term or less)

Cash Out with FICO 620 - 639




Cash Out with FICO 700 -719

Cash Out with FICO 720 -739

Cash Out with FICO >= 740

High Balance or Super Conforming Adjustments

Fixed - Purchase & Rate/Term Refin

Fixed - Cash Out (in addition to standard Cash Out Adjustment)

ARM - Purchase & Rate/Term Refi

ARM - Cash Out (in addition to standard Cash Out Adjustment)

SUBORDINATE FINANCING LOAN AMOUNT **

LTV CLTV FICO < 720 FICO >=720 Loan Amt $75,000 <= $100,000

<= 75.00% <= 80.00% -0.375 -0.375 Loan Amt >$100,000 < = $150,000

<= 65.00% 80.01% - 95.00% -0.875 -0.625

65.01% - 75.00% 80.01% - 95.00% -1.125 -0.875 MISCELLANEOUS

75.01% - 95.00% 75.01% - 95.00% -1.375 -1.125 Texas Cash out

<= 95.00% 95.01% - 97.00% -1.875 -1.875 > 6 Financed Properties

Home Possible and Home Ready with Sub Financing (in lieu of adjustments above)

-0.500Second Home LTV > 85%

Escrow Waiver (Non-CA)

State Adjustors: NC or WA

LENDER PAID MORTGAGE INSURANCELSM Select Special: FICO => 700 & LTV<= 80%

80.01-85% 85.01-90% 90.01-95%-2.190 -5.870 -7.750 HOMEREADY AND HOME POSSIBLE ADJUSTMENT

CAPS*-2.040 -5.360 -6.990-1.840 -5.050 -6.430 LTV > 80% AND FICO >= 680

-1.380 -3.670 -4.850-1.170 -3.010 -3.930-1.020 -2.500 -3.320-0.870 -2.040 -2.650

*Adjustment caps are only applicable to standard Agency Fixed/ARM and Subordinate Financing adjustments

-0.710 -1.430 -1.890

LENDER PAID MORTGAGE INSURANCE ADDITIONAL LLPAs (Cash out not available) **Minimum Loan Amount $75,000**

***All loan level price adjustments are cumulative***

Max Final Price including comp Cannot Exceed (4.00) for all Agency Programs

Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day2.250 101.775 101.525 101.275 2.250 101.525 101.275 101.025 2.250 101.275 101.025 100.775 2.250 100.275 100.025 99.7752.375 101.900 101.650 101.400 2.375 101.650 101.400 101.150 2.375 101.400 101.150 100.900 2.375 100.400 100.150 99.9002.500 102.025 101.775 101.525 2.500 101.775 101.525 101.275 2.500 101.525 101.275 101.025 2.500 100.525 100.275 100.0252.625 102.150 101.900 101.650 2.625 101.900 101.650 101.400 2.625 101.650 101.400 101.150 2.625 100.650 100.400 100.1502.750 103.695 103.445 103.195 2.750 103.445 103.195 102.945 2.750 103.195 102.945 102.695 2.750 102.195 101.945 101.6952.875 103.820 103.570 103.320 2.875 103.570 103.320 103.070 2.875 103.320 103.070 102.820 2.875 102.320 102.070 101.8203.000 103.945 103.695 103.445 3.000 103.695 103.445 103.195 3.000 103.445 103.195 102.945 3.000 102.445 102.195 101.9453.125 104.070 103.820 103.570 3.125 103.820 103.570 103.320 3.125 103.570 103.320 103.070 3.125 102.570 102.320 102.0703.240 104.185 103.935 103.685 3.240 103.935 103.685 103.435 3.240 103.685 103.435 103.185 3.240 102.685 102.435 102.1853.375 103.729 103.479 103.229 3.375 103.479 103.229 102.979 3.375 103.229 102.979 102.729 3.375 102.229 101.979 101.7293.500 103.885 103.635 103.385 3.500 103.635 103.385 103.135 3.500 103.385 103.135 102.885 3.500 102.385 102.135 101.8853.625 104.041 103.791 103.541 3.625 103.791 103.541 103.291 3.625 103.541 103.291 103.041 3.625 102.541 102.291 102.0413.740 104.185 103.935 103.685 3.740 103.935 103.685 103.435 3.740 103.685 103.435 103.185 3.740 102.685 102.435 102.185

Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day2.250 101.525 101.275 101.025 2.250 101.275 101.025 100.775 2.250 101.025 100.775 100.525 2.250 100.025 99.775 99.5252.375 101.650 101.400 101.150 2.375 101.400 101.150 100.900 2.375 101.150 100.900 100.650 2.375 100.150 99.900 99.6502.500 101.775 101.525 101.275 2.500 101.525 101.275 101.025 2.500 101.275 101.025 100.775 2.500 100.275 100.025 99.7752.625 101.900 101.650 101.400 2.625 101.650 101.400 101.150 2.625 101.400 101.150 100.900 2.625 100.400 100.150 99.9002.750 103.445 103.195 102.945 2.750 103.195 102.945 102.695 2.750 102.945 102.695 102.445 2.750 101.945 101.695 101.4452.875 103.570 103.320 103.070 2.875 103.320 103.070 102.820 2.875 103.070 102.820 102.570 2.875 102.070 101.820 101.5703.000 103.695 103.445 103.195 3.000 103.445 103.195 102.945 3.000 103.195 102.945 102.695 3.000 102.195 101.945 101.6953.125 103.820 103.570 103.320 3.125 103.570 103.320 103.070 3.125 103.320 103.070 102.820 3.125 102.320 102.070 101.8203.240 103.935 103.685 103.435 3.240 103.685 103.435 103.185 3.240 103.435 103.185 102.935 3.240 102.435 102.185 101.9353.375 103.479 103.229 102.979 3.375 103.229 102.979 102.729 3.375 102.979 102.729 102.479 3.375 101.979 101.729 101.4793.500 103.635 103.385 103.135 3.500 103.385 103.135 102.885 3.500 103.135 102.885 102.635 3.500 102.135 101.885 101.6353.625 103.791 103.541 103.291 3.625 103.541 103.291 103.041 3.625 103.291 103.041 102.791 3.625 102.291 102.041 101.7913.740 103.935 103.685 103.435 3.740 103.685 103.435 103.185 3.740 103.435 103.185 102.935 3.740 102.435 102.185 101.935

Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day2.250 100.775 100.525 100.275 2.250 101.275 101.025 100.7752.375 100.900 100.650 100.400 2.375 101.400 101.150 100.9002.500 101.025 100.775 100.525 2.500 101.525 101.275 101.0252.625 101.150 100.900 100.650 2.625 101.650 101.400 101.1502.750 102.695 102.445 102.195 2.750 103.195 102.945 102.6952.875 102.820 102.570 102.320 2.875 103.320 103.070 102.8203.000 102.945 102.695 102.445 3.000 103.445 103.195 102.9453.125 103.070 102.820 102.570 3.125 103.570 103.320 103.0703.240 103.185 102.935 102.685 3.240 103.685 103.435 103.1853.375 102.729 102.479 102.229 3.375 103.229 102.979 102.7293.500 102.885 102.635 102.385 3.500 103.385 103.135 102.8853.625 103.041 102.791 102.541 3.625 103.541 103.291 103.0413.740 103.185 102.935 102.685 3.740 103.685 103.435 103.185

-0.500 -1.500LSM Select (FICO ≥680 & ≥$250,000) 60 Day Lock (From 45 Day Price)

+0.350 -0.500

FICO 600-619 3-4 Units-3.000 -0.750

Manual Underwrite 2nd Home & Investment

-0.750 -0.250FICO 620-639 Loan Amount (<$100,000)

-2.000 -0.500

FHA $100 Down 30 Year Fixed - (301($100)) USDA 30 - 25 Year Fixed - (501) LLPAsFICO 660-679 State Adjustor (NC, WA, GA)

-0.250 -0.375FICO 640-659 VA Loan Amount >$950K

FHA 30 - 25 Year Fixed - (301 & 325) FHA 20 Year Fixed - (320) FHA 15 Year Fixed - (315) FHA 30 - 25 Year Fixed HB - (301HB & 325HB)

VA 30 - 25 Year Fixed (401 & 425) VA 20 Year Fixed - (420) VA 15 Year Fixed - (415) VA 30 - 25 Year Fixed HB - (401HB & 425HB)


Irvine, CA 92612Effective: January 12, 2021

Government Pricing

Effective:

901 956Note Rate 15 DAY 30 DAY 45 DAY 60 DAY 75 DAY

4.250 101.674 101.612 101.549 101.456 101.3314.125 101.658 101.596 101.533 101.439 101.3144.000 101.624 101.562 101.499 101.406 101.2813.875 101.521 101.458 101.396 101.302 101.1773.750 101.409 101.347 101.284 101.190 101.0653.625 101.300 101.237 101.175 101.081 100.9563.500 101.187 101.125 101.062 100.969 100.8443.375 101.074 101.011 100.949 100.855 100.7303.250 100.881 100.818 100.756 100.662 100.5373.125 100.652 100.590 100.527 100.434 100.3093.000 100.346 100.284 100.221 100.128 100.0032.875 100.059 99.997 99.934 99.841 99.7162.750 99.292 99.229 99.167 99.073 98.9482.625 98.966 98.903 98.841 98.747 98.6222.500 98.637 98.575 98.512 98.418 98.293

976 9106

<= 60% 60.01 - 65% 65.01 - 70% 70.01 - 75% 75.01 - 80% 80.01 - 85% 85.01 - 90%

0.550 0.500 0.450 0.250 0.150 -1.500 -1.7000.500 0.450 0.400 0.200 0.100 -1.600 -1.8500.450 0.400 0.350 0.150 0.000 -1.700 -2.0000.400 0.350 0.250 0.000 -0.100 -1.800 -2.2000.350 0.250 0.150 -0.150 -0.450 -1.900 -2.5000.250 0.150 0.050 -0.500 -0.850 -2.350 -3.0000.150 -0.050 -0.150 -1.250 -1.850 0.000 0.000

<= 60% 60.01 - 65% 65.01 - 70% 70.01 - 75% 75.01 - 80% 80.01 - 85% 85.01 - 90%

-1.200 -1.350 -1.500 -2.000 -2.500 0.000 0.0000.125 0.125 0.125 0.125 0.125 0.000 0.000-0.650 -0.750 -1.200 -1.500 -1.950 0.000 0.000-0.400 -0.500 -0.600 -0.800 -1.000 0.000 0.0000.000 0.000 -0.100 -0.200 -0.300 -0.500 0.0000.000 -0.050 -0.100 -0.250 -0.500 -0.750 -1.000-0.050 -0.100 -0.150 -0.200 -0.250 -0.350 -0.500Self-Employed

Maximum Net Price102.000

Investment PropertyPurchase

Cashout Refinance

Second Home

Condo (LR and HR)2-4 Unit

FICO 740 - 759FICO 720 - 739FICO 700 - 719FICO 680 - 699FICO 660 - 679

Other Adjusters

Coming Soon Coming Soon

Loan Level Price Adjustments (LLPAs)

FICOFICO >= 800

FICO 760 - 799

30 YEAR FIXED 0

Coming Soon

ARMS are temp. not available0 0


Irvine, CA 92612Tuesday, January 12, 2021

Prime Jumbo PricingBorrower Paid Ratesheet

Documents

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