Wholesale Rate Sheet

Transcription

1 Wholesale Rate Sheet Rates as of Announcements - Weekly Turn Times - Effective for Nov 13 - Nov 16 Portfolio 5/1 & 7/1 I/O pricing special - waive I/O hit up to max LTV limits Cutoff Dates: Last Day For Closing This Month Cutoff Date Max LTV of 65% NOO; 70% for OO. No exceptions Last day to acknowledge CD (refi) Thursday, November 22, 2018 We are adding High Balance FRM High LTV LLPA for LTV's > 80% Last day to sign to fund and record (refi) Tuesday, November 27, 2018 Please see page 3 & 5 of our rate sheet Loan Registration Turn Times Purchase Specials - Oct 31st - Nov 30th Purchase hours 30 Yr Conforming Fixed Purchase Refinance hours 30 Yr High Bal Fixed Cash Out Underwriting Turn Times Turn Times The cash out special only applies to primary/second homes - NOO not eligible Purchase Transactions: Initial u/w * Condition u/w 30 Yr High Bal Fixed Purchase Conventional 48 hrs 48 hrs High Bal Specials not eligible for Home Ready Jumbo Gold 72 hrs hrs Important Info Regarding PIW's Jumbo Port 406 & hrs hrs *PIW only eligible on conforming FNMA (GOLD) programs FHA purchase hrs hrs *Full appraisal needed even if DU allows PIW on FNMA (GOLD) High Bal Rate Sheet Index Refinance Transactions: Initial u/w * Condition u/w FNMA (Gold) Pg. 2 Conventional hrs hrs FNMA (Gold) LLPA's Pg. 3 Jumbo Gold hrs hrs FHLMC (Standard) Pg. 4 Jumbo Port 406 & hrs hrs FHLMC (Standard) LLPA's Pg. 5 FHA refi/streamline hrs hrs Gold Jumbo Fixed & ARM's Pg. 6 * Condition u/w includes processing time! Gold Jumbo 90 Fixed -QM Pg. 7 Loans in NOI status: condition / re-underwrite review: 4-5 days (purchase and refi) Gold Jumbo Plus Fixed - Non-QM Pg. 8 FHA Pg. 9 Jumbo Portfolio 5/1 & 7/1 Arm Pg. 10 Docs & Funding Turn Times Home Equity Line of Credit Pg. 11 Docs 24 hours purch/24-48 hours refi HELOC 360 Pg. 12 Funding hours AE Contact Info Pg. 13 Lock Extension Fees & Notes: Submissions Desk: submissions@fremontbank.com Lock Desk: locks@fremontbank.com Minimum Loan amount $125,000 for all terms and products MORRIS Support: morrissupport@fremontbank.com MORRIS Phone: Max broker compensation cannot exceed $22,000 per transaction GOLD & Standard: 1st extension 0.015/day - 20 day max; 2nd extension is 0.03/day - 10 day max; Max 2 extensions Send request on lock form to locks@fremontbank.com before 4:00PM PT on day of expiration. Fremont Bank Website Same Day Submission cutoff time is 2:00PM PST. Signed Documents sent back to Livermore Loan Center All Jumbo extensions: 5 days ; 10 days ; 15 days ; 20 days +0.40; 30 days (MAX) B Shea Center Drive, Livermore, CA Gold Jumbo extension: Submit lock extension request before 4:00PM PT on day of expiration. No relocks allowed on any JUMBO program. Gold Jumbo cutoff time 4:00PM for new locks All Jumbo locks must be credit approved to lock with the exception of Purchase (allow Advance Locks) Lender Origination fees for LE: Delivery Fee $ 25, Document All FHA extensions: 0.02/day - 30 day max. Min extension is 5 da All FHA relocks: 36bps/ 15days; 66bps/ 30days - 30 day max. Preparation Fee $ 125, Underwriting Fee $800 = $ 950 FHA Origination Fees for LE: Delivery Fee $ 25, Document Jumbo Port 5/1 & 7/1 program 406/407 Lock Eligibility: Preparation Fee $ 50, Underwriting Fee $ 395 = $ 470 Loans that fit guidelines and are < $1M are lock eligible upon receipt of file submission. Loans > $1M or loans that require a guideline exception must have an 'Approval to Process' to be lock eligible * Section B of LE: Flood $5.25, Tax $60 (Tax N/A for FHA) Jumbo Port 5/1 & 7/1 Extensions: 7 days ; 15 days ; Max 15 days FNMA - Gold Only (Niche) Scenarios: Loss Payee Clause: CPL: Fremont Bank * Using 2nd job job < 2 Yrs but > 1 Yr with compensating factors Fremont Bank 2580 Shea Center Drive * C5 appraisal condition rating ISAOA, ITS SUCCESSORS OR ASSIGNEES Livermore Ca * > 6 financed properties when subject is investment or 2nd home P.O. Box 7295 * PIW only eligible on conforming FNMA (GOLD) programs; HB not allowed, even if DU allows. Fremont, CA FHLMC - Standard Only (Niche) Scenarios: * Unpermitted Accessory Unit * Debt to be paid off to qualify that cannot be closed For rate lock policy click on: Lock Policy * DTI > 45% + LP Approval For underwriting guidelines click on: Guidelines Pricing subject to change without notice - NO OFF SHEET PRICING 1 Announcements

2 FNMA (GOLD): Conforming & High Balance Fixed Rate First Mortgages - DU only underwriting LOS Plan 670 MORRIS Plan Year Fixed Rate Conf LOS Plan 670 MORRIS Plan Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day (0.573) (0.433) (0.373) (1.209) (1.069) (0.999) (1.812) (1.672) (1.612) (0.108) (2.083) (1.943) (1.883) (0.721) (0.581) (0.521) (2.183) (2.043) (1.983) (1.251) (1.111) (1.051) (2.861) (2.721) (2.651) (1.798) (1.648) (1.588) (3.365) (3.225) (3.155) (2.343) (2.203) (2.143) (3.598) (3.458) (3.398) (2.656) (2.516) (2.456) (3.806) (3.666) (3.606) (3.200) (3.060) (3.000) (4.531) (4.391) (4.331) (3.577) (3.427) (3.367) (5.001) (4.861) (4.801) (3.846) (3.706) (3.646) (5.289) (5.149) (5.089) (3.947) (3.807) (3.747) (5.400) (5.260) (5.200) 20 Year Fixed Rate Conf LOS Plan 670 MORRIS Plan Year Fixed Rate Conf LOS Plan 670 MORRIS Plan 116 Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day (0.358) (0.228) (0.178) (0.304) (0.174) (0.134) (0.797) (0.667) (0.627) (0.573) (0.443) (0.393) (1.277) (1.157) (1.107) (1.181) (1.061) (1.011) (1.414) (1.284) (1.234) (1.461) (1.331) (1.281) (1.967) (1.837) (1.797) (1.748) (1.628) (1.578) (2.386) (2.256) (2.216) (1.985) (1.855) (1.815) (2.650) (2.530) (2.480) (2.221) (2.101) (2.051) LOS Plan 671 LOS Plan Year High Balance Fixed Rate MORRIS Plan 127 MORRIS Plan Year High Balance Fixed Rate Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day (0.283) (0.143) (0.083) (1.099) (0.959) (0.899) (1.662) (1.522) (1.462) (2.093) (1.953) (1.883) (2.331) (2.191) (2.121) (2.765) (2.615) (2.555) (3.138) (2.988) (2.928) (0.233) (0.103) (0.063) (3.246) (3.106) (3.046) (0.572) (0.442) (0.402) (3.521) (3.381) (3.311) (0.736) (0.616) (0.566) (3.941) (3.801) (3.741) (4.399) (4.259) (4.199) 10 Year Fixed Rate Conf 2 (FNMA) Gold

3 FNMA (GOLD): Conforming & High Balance LLPA's - DU only underwriting All Eligible Mortgage & LTV LLPAs for loans with terms > than 15 yrs -- Add to Price <= 60% % % % % % % > < 620 * * A minimum required credit score of 620 applies to all mortgage loans delivered to FNMA in accordance with the Selling Guide. All Eligible Mortgage Cash Out Refis LLPAs for All Loans -- Add to Price / LTV <= 60% % % % % % % > 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 N/A N/A N/A N/A N/A N/A N/A N/A < 620 * N/A N/A N/A All Eligible Mortgage LLPAs (excluding MCM) -- Apply to All Credit Scores -- Add to Price Product Feature/ LTV <= 60% % % % % % % Conf. 30Yr FRM Purchase High LTV Investment Property N/A N/A > 4 Financed Props (a) N/A N/A 2 - Unit N/A N/A 3-4 Unit N/A N/A N/A N/A Condo w/ Term > 15 Year (a) > 4 Financed Properties applicable to NOO subject prop only Additional LLPAs -- Apply to credit scores for High Balance FRM & ARM -- Add to Price - LTV/CLTV Product Feature <= 60% % % % % % % High Bal FRM Refi High Bal FRM Cash Out (C/O) N/A N/A N/A High Bal 30 Yr FRM C/O Primary/Second N/A N/A N/A High Bal FRM Purchase High Balance FRM High LTV (2) High Bal LLPA's are in addition to All Eligible Mortgage LLPA's above. High Bal specials don t apply for HomeReady (2) High Balance FRM High LTV - This LLPA applies to all purpose types over 80% Mortgages with Subordinate Financing -- Add to Price All mortgages with Subordinate Financing* HomeReady -- Cumulative LLPA Caps Product Feature LLPA Caps scores LTV > 80% and LTV CLTV * < 720 >= 720 All other LTV ratio/'s < 65% % * Pricing unavailable through MORRIS. Please contact your AE % % * If the sum of all applicable LLPAs exceeds the caps listed above, % % the excess will be waived. LPMI single premium Adj still apply % % < 95% % * LLPA's in this table are based on CLTV, which does NOT include the undrawn portion of a home equity line of credit. Other LTV/CLTV hits are cumulative LPMI Single Premium Adjustments 30 Year Fixed - HomeReady Base LTV Coverage % % 25% 1.68% 2.27% 2.82% 3.32% 4.09% 5.36% 5.82% 6.35% 95% % 25% 1.41% 1.91% 2.36% 2.74% 3.35% 4.37% 4.63% 4.93% 30 Year Fixed & ARM's > 5 Years 95% % 30% 1.60% 2.22% 2.75% 3.21% 3.94% 5.16% 5.48% 5.83% 90% % 25% 1.20% 1.68% 2.08% 2.49% 3.01% 4.06% 4.22% 4.42% 85% & Under 12% 0.59% 0.72% 0.83% 0.97% 1.13% 1.52% 1.57% 1.62% < 20 Year Fixed - HomeReady 97% % 25% 1.09% 1.43% 1.76% 2.05% 2.49% 3.19% 3.39% 3.62% 95% % 25% 0.95% 1.24% 1.50% 1.74% 2.08% 2.66% 2.77% 2.91% < 20 Year Fixed 95% % 25% 0.95% 1.24% 1.50% 1.74% 2.08% 2.66% 2.77% 2.91% 90% % 12% 0.59% 0.72% 0.84% 0.95% 1.10% 1.40% 1.43% 1.47% 85% & Under 6% 0.43% 0.47% 0.49% 0.53% 0.58% 0.69% 0.71% 0.72% Premium Adjustments Rate/Term Refinance * 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% Cash Out 0.54% 0.60% 0.70% 0.85% 1.05% 1.50% 1.65% 1.80% Second Home 0.36% 0.39% 0.49% 0.60% 0.70% 1.23% 1.27% 1.35% 3-4 Unit 1.02% 1.19% 1.33% 1.50% 1.75% 1.90% 2.00% 2.63% Investment Property 1.02% 1.19% 1.33% 1.50% 1.75% 1.90% 2.00% 2.63% 3 (FNMA) Gold New LLPA

4 FHLMC (Standard): Conforming & High Balance Fixed First Mortgages - LP Only LOS Plan 101 MORRIS Plan 210 LOS Plan Year Fixed Rate Conf 20 Year Fixed Rate Conf MORRIS Plan 211 LOS Plan 101 MORRIS Plan Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day (0.084) (0.753) (0.633) (0.573) (1.389) (1.269) (1.219) (1.982) (1.872) (1.812) (0.258) (0.118) (0.048) (2.253) (2.143) (2.083) (0.871) (0.731) (0.671) (2.353) (2.243) (2.183) (1.401) (1.261) (1.191) (0.013) (3.051) (2.921) (2.841) (1.938) (1.798) (1.728) (0.448) (0.328) (0.298) (3.555) (3.425) (3.355) (2.493) (2.353) (2.293) (0.887) (0.767) (0.737) (3.778) (3.658) (3.578) (2.806) (2.666) (2.596) (1.257) (1.137) (1.107) (3.996) (3.866) (3.796) (3.390) (3.210) (3.120) (1.504) (1.384) (1.354) (4.701) (4.581) (4.491) (3.757) (3.577) (3.487) (2.047) (1.907) (1.867) (5.111) (4.991) (4.911) (4.036) (3.856) (3.766) (2.416) (2.276) (2.246) (5.449) (5.349) (5.249) (4.137) (3.957) (3.867) (2.550) (2.410) (2.380) (5.560) (5.460) (5.360) LOS Plan 260 LOS Plan Year High Balance Fixed Rate MORRIS Plan 227 MORRIS Plan Year High Balance Fixed Rate Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day (0.233) (0.093) (0.033) (1.049) (0.909) (0.849) (1.612) (1.472) (1.412) (2.043) (1.903) (1.833) (2.281) (2.141) (2.071) (2.715) (2.565) (2.505) (3.088) (2.938) (2.878) (0.233) (0.103) (0.063) (3.196) (3.056) (2.996) (0.572) (0.442) (0.402) (3.471) (3.331) (3.261) (0.736) (0.616) (0.566) (3.891) (3.751) (3.691) (4.349) (4.209) (4.149) FHLMC (Standard): Conforming & High Balance ARM's - LP Only 15 Year Fixed Rate Conf 1 Yr Libor % LOS Plan 114 MORRIS Plan 273 5/1 LIBOR ARM Conf Margin Caps 2/2/5 LOS Plan 111 MORRIS Plan 274 7/1 LIBOR ARM Conf Margin Caps 5/2/5 LOS Plan 112 MORRIS Plan /1 LIBOR ARM Conf Margin Caps 5/2/5 Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day (0.210) (0.085) (0.580) (0.455) (0.330) (0.520) (0.395) (0.270) (0.730) (0.605) (0.480) (0.670) (0.545) (0.420) (0.890) (0.765) (0.640) (0.830) (0.705) (0.580) LOS Plan 265 5/1 LIBOR ARM HB Margin LOS Plan 262 7/1 LIBOR ARM HB LOS Plan /1 LIBOR ARM HB MORRIS Plan Caps 2/2/5 MORRIS Plan 291 Margin Caps 5/2/5 MORRIS Plan 292 Margin Caps 5/2/5 Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day (FHLMC) Standard

5 FHLMC (Standard): Conforming & High Balance LLPA's - LP Only ARM's - Maximum number of financed properties (including the subject) for SH & INV 7/1 & 10/1 ARMs is six (6), 5/1 ARM maximum is limited to one (1) LTV/ <= 60% % % % % % % > < 620 * Cash Out Refis LLPAs for all Loans -- Add to Price / LTV <= 60% % % % % % % > 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 N/A N/A N/A N/A N/A N/A N/A N/A < 620 * N/A N/A N/A Additional LLPAs -- Apply to All Credit Scores -- Add to Price Product Feature / LTV <= 60% % % % % % Conf 30 Yr Purchase Special ARM Condo w/ Term > 15 Year Investment Property N/A N/A > 4 Financed Prop (a) N/A N/A 2-Unit N/A N/A N/A 3-4 Unit N/A N/A N/A (a) > 4 financed prop but no more than 6 financed props allowed under this program. Applies to NOO subject prop. Additional LLPAs -- Apply to credit scores for High Balance FRM & ARM -- Add to Price - LTV/TLTV Product Feature <= 60% % % % % % High Bal FRM Refi High Bal FRM Cash Out (C/O) N/A N/A N/A High Bal 30 Yr FRM C/O Primary/Second N/A N/A N/A High Balance FRM Purchase High Balance FRM High LTV (1) 'High Bal LLPA's are in addition to All Eligible Mortgage LLPA's above. (1) High Balance FRM High LTV - This LLPA applies to all purpose types over 80% High Balance ARM Refi High Balance ARM CashOut N/A N/A N/A High Balance ARM Purchase Mortgages with Subordinate Financing -- Add to Price LTV TLTV * < 720 >= 720 < 75.00% < 80.00% < 65.00% % % % % % * LLPA's in this table are based on TLTV, which does NOT include the undrawn portion of a home equity line of credit. Other LTV/TLTV hits are cumulative LPMI Single Premium Adjustments 30 Year Fixed & ARM's > 5 Years Base LTV Coverage % % 30% 1.60% 2.22% 2.75% 3.21% 3.94% 5.16% 5.48% 5.83% 90% % 25% 1.20% 1.68% 2.08% 2.49% 3.01% 4.06% 4.22% 4.42% 85% & Under 12% 0.59% 0.72% 0.83% 0.97% 1.13% 1.52% 1.57% 1.62% < 20 Year Fixed 95% % 25% 0.95% 1.24% 1.50% 1.74% 2.08% 2.66% 2.77% 2.91% 90% % 12% 0.59% 0.72% 0.84% 0.95% 1.10% 1.40% 1.43% 1.47% 85% & Under 6% 0.43% 0.47% 0.49% 0.53% 0.58% 0.69% 0.71% 0.72% Premium Adjustments Rate/Term Refinance 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% Cash Out 0.54% 0.60% 0.70% 0.85% 1.05% 1.50% 1.65% 1.80% Second Home 0.36% 0.39% 0.49% 0.60% 0.70% 1.23% 1.27% 1.35% 3-4 Unit 1.02% 1.19% 1.33% 1.50% 1.75% 1.90% 2.00% 2.63% Investment Property 1.02% 1.19% 1.33% 1.50% 1.75% 1.90% 2.00% 2.63% scores 5 (FHLMC) Standard New llpa's

6 Gold Program - Jumbo Fixed Rate Mortgages LOS Plan 550 LOS Plan Year Super Jumbo Fixed Rate MORRIS Plan 553 MORRIS Plan Year Super Jumbo Fixed Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day Loan Amount 30 Yr 15 Yr < $1,000, (0.200) (0.060) > $1,000, (0.040) (0.590) (0.450) (0.300) Loan Amount 10/1 ARM 5/1 ARM 7/1 ARM (0.570) (0.370) (0.170) (0.960) (0.820) (0.670) < $1,000, (1.040) (0.840) (0.630) (1.300) (1.160) (1.010) > $1,000, (1.490) (1.280) (1.070) (1.580) (1.440) (1.300) (1.860) (1.650) (1.440) (1.800) (1.670) (1.530) (2.210) (2.010) (1.800) (1.960) (1.830) (1.690) (2.560) (2.360) (2.160) (2.110) (1.970) (1.830) (2.880) (2.680) (2.490) (2.310) (2.170) (2.030) (3.110) (2.910) (2.720) Gold Program - Jumbo Arm's LOS Plan 553 MORRIS Plan 574 5/1 LIBOR ARM Super Jumbo Margin Caps 2/2/5 LOS Plan 555 MORRIS Plan /1 LIBOR ARM Super Jumbo Margin Caps 2/2/5 LOS Plan 554 MORRIS Plan 575 7/1 LIBOR ARM Super Jumbo Margin Caps 2/2/5 Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day (0.350) (0.250) (0.140) (0.670) (0.570) (0.460) (0.090) (0.950) (0.850) (0.740) (0.530) (0.390) (0.240) (0.270) (0.150) (0.020) (1.190) (1.090) (0.990) (1.000) (0.860) (0.710) (0.700) (0.580) (0.450) (1.440) (1.340) (1.240) (1.460) (1.320) (1.180) (1.080) (0.960) (0.840) (1.670) (1.570) (1.470) (1.830) (1.700) (1.560) (1.370) (1.260) (1.140) (1.860) (1.760) (1.660) (2.120) (1.990) (1.850) (1.590) (1.480) (1.360) (2.030) (1.930) (1.830) (2.390) (2.260) (2.120) (1.820) (1.700) (1.580) (2.160) (2.060) (1.960) (2.640) (2.510) (2.380) (2.030) (1.920) (1.800) (2.290) (2.180) (2.080) (2.850) (2.720) (2.580) (2.210) (2.090) (1.970) Gold Program Jumbo LLPAs & LTV/ HCLTV LLPAs for all Loans -- Add to Price / LTV (HCLTV) <= 60% % % % % % (0.125) N/A N/A N/A (0.250) N/A (0.375) (0.125) N/A >=760 (0.500) (0.375) (0.250) (0.125) Loan Amount & LTV, CLTV (HCLTV) LLPAs for all Loans -- Add to Price No MI Loan Amounts <= 60% % % % % % <= $1,000,000 (0.250) (0.250) (0.125) $1,000,001 - $1,500,000 (0.250) N/A $1,500,001 - $2,000,000 (0.125) N/A N/A $2,000,001 - $2,500, N/A N/A N/A Purpose / Property & LTV, CLTV (HCLTV) LLPAs for all Loans -- Add to Price Purpose / Property <= 60% % % % % % Cash Out N/A N/A NA 2 Unit N/A N/A NA 3-4 Unit N/A N/A NA 2nd Home NA Investment N/A N/A N/A Purchase (0.250) (0.250) (0.250) (0.375) (0.500) (0.500) CA State Adj (30 Yr Fixed Term) (0.250) (0.250) (0.250) (0.125) CA State Adj (5/7/10 yr Arm) Loan Amount & LTV, CLTV (HCLTV) LLPAs for all Loans -- Add to Price Product <= 60% % % % % % 5/1 Arm (0.375) 7/1 Arm (0.250) 10/1 Arm Year Fixed (0.500) 30 Year Fixed Escrow LLPAs for all Loans -- Add to Price With Escrows (0.125) Jumbo Locks - Advance Locks eligible on purchase All Jumbo locks must be credit approved prior to lock, besides purchase transactions All self-employed jumbo loans which need 2016 tax returns to qualify, we will need proof of refund prior to lock. 6 Gold Jumbo ** Max YSP cannot exceed max net rebate above. A full ALTA is required for all Gold Jumbo products Advance Locks eligible on purchase! 1 Yr Libor Max Net Rebate %

7 Gold 90 Program - Jumbo Fixed Rate Mortgages - QM 30 Year Super Jumbo Fixed Rate Max Net Rebate LOS Plan 552 MORRIS Plan Day 30 Day 45 Day Loan Amount 30 Yr (1.400) (1.200) (1.000) < $1,000, (0.990) (0.780) (0.570) > $1,000, (0.590) (0.390) (0.180) (0.180) ** Max YSP cannot exceed max net rebate above ** A full ALTA is required for all Gold Jumbo products ** Loan must be approved Gold 90 Program Jumbo LLPAs & LTV/ HCLTV LLPAs for all Loans -- Add to Price / LTV (HCLTV) No MI No MI NA NA NA NA NA NA (0.250) Loan Amount & LTV, CLTV (HCLTV) LLPAs for all Loans -- Add to Price Loan Amounts <= $1,000, $1,000,001 - $1,500, $1,500,001 - $2,000,000 N/A N/A $2,000,001 - $2,500,000 N/A N/A Purpose / Property & LTV, CLTV (HCLTV) LLPAs for all Loans -- Add to Price Purpose / Property Cash Out NA NA 2 Unit NA NA 3-4 Units NA NA Second Home NA NA Investment NA NA Purchase (0.375) (0.375) Non-War. Condo NA NA Condo-Hotel NA NA CA State Adj Loan Amount & LTV, CLTV (HCLTV) LLPAs for all Loans -- Add to Price Product /1 Arm N/A N/A 7/1 Arm N/A N/A 10/1 Arm N/A N/A 15 Year Fixed N/A N/A 30 Year Fixed Escrow LLPAs for all Loans -- Add to Price With Escrows (0.250) (0.250) 7 Gold Jumbo90

8 Gold Plus Program - Jumbo Fixed Rate Mortgages - Non-QM 30 Year Super Jumbo Fixed Rate Max Net Rebate LOS Plan 551 MORRIS Plan Day 30 Day 45 Day Loan Amount 30 Yr < $1,000, > $1,000, (0.360) (0.160) (0.820) (0.610) (0.400) (1.230) (1.020) (0.810) (1.550) (1.340) (1.140) (1.930) (1.730) (1.530) (2.280) (2.090) (1.890) (2.590) (2.400) (2.200) (2.870) (2.670) (2.480) Gold Program Jumbo LLPAs & LTV/ HCLTV LLPAs for all Loans -- Add to Price ** Max YSP cannot exceed max net rebate above ** A full ALTA is required for all Gold Jumbo products ** DTI up to 50% ** Loan must be approved in order to lock / LTV (HCLTV) <= 60% % % % % (0.125) N/A N/A (0.250) (0.375) (0.125) >=760 (0.500) (0.375) (0.250) (0.125) Loan Amount & LTV, CLTV (HCLTV) LLPAs for all Loans -- Add to Price Loan Amounts <= 60% % % % % <= $1,000,000 (0.250) (0.250) (0.125) $1,000,001 - $1,500,000 (0.250) N/A $1,500,001 - $2,000,000 (0.125) N/A N/A $2,000,001 - $2,500,000 N/A N/A N/A N/A N/A Purpose / Property & LTV, CLTV (HCLTV) LLPAs for all Loans -- Add to Price Purpose / Property <= 60% % % % % Cash Out N/A N/A 2 Unit N/A N/A 3-4 Unit N/A N/A 2nd Home Purchase (0.250) (0.250) (0.250) (0.375) (0.500) CA State Adj (30 Yr Fixed Term) (0.250) (0.250) (0.250) (0.125) Loan Amount & LTV, CLTV (HCLTV) LLPAs for all Loans -- Add to Price Purpose / Property <= 60% % % % % 5/1 Arm N/A N/A N/A N/A N/A 7/1 Arm N/A N/A N/A N/A N/A 10/1 Arm N/A N/A N/A N/A N/A 15 Year Fixed N/A N/A N/A N/A N/A 30 Year Fixed Escrow LLPAs for all Loans -- Add to Price With Escrows (0.125) 8 Gold Jumbo Plus

9 FHA Program - Conforming & High Balance Fixed Rate First Mortgages * High Balance Loans need to be verified with HUD FHA mtg limits LOS Plan 215 LOS Plan Yr Fixed Gov - Conf. MORRIS Plan 303 MORRIS Plan Yr Fixed Gov - High Bal Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day (0.300) (0.230) (0.130) (1.040) (0.950) (0.840) (1.610) (1.510) (1.410) (0.440) (0.350) (0.240) (2.160) (2.070) (1.960) (0.910) (0.820) (0.710) (2.650) (2.560) (2.450) (1.360) (1.270) (1.160) (3.040) (2.930) (2.800) (1.750) (1.640) (1.510) (3.540) (3.430) (3.310) (2.170) (2.060) (1.940) (4.000) (3.890) (3.770) (2.530) (2.420) (2.300) (4.350) (4.230) (4.110) (2.410) (2.300) (2.170) (4.590) (4.460) (4.320) (2.460) (2.330) (2.190) (5.000) (4.870) (4.720) (2.760) (2.620) (2.480) FHA Info: Fremont Banks Originator ID is Address: Fremont Blvd Fremont, CA Phone: FHA Streamline Program - Conforming & High Balance Fixed Rate First Mortgages LOS Plan 221 LOS Plan 221 LOS Plan Yr Fixed Gov - Conf. 15 Yr Fixed Gov - Conf. MORRIS Plan 323 MORRIS Plan 324 MORRIS Plan Yr Fixed Gov - High Bal Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day (0.300) (0.230) (0.130) (1.040) (0.950) (0.840) (0.370) (0.310) (0.250) (1.610) (1.510) (1.410) (0.840) (0.780) (0.720) (0.290) (0.200) (0.090) (2.160) (2.070) (1.960) (1.290) (1.240) (1.170) (0.760) (0.670) (0.560) (2.650) (2.560) (2.450) (1.730) (1.670) (1.610) (1.210) (1.120) (1.010) (3.040) (2.930) (2.800) (2.030) (1.950) (1.880) (1.600) (1.490) (1.360) (3.540) (3.430) (3.310) (2.420) (2.350) (2.280) (2.020) (1.910) (1.790) (4.000) (3.890) (3.770) (2.380) (2.270) (2.150) (4.350) (4.230) (4.110) (2.260) (2.150) (2.020) (4.590) (4.460) (4.320) (2.310) (2.180) (2.040) (5.000) (4.870) (4.720) (2.610) (2.470) (2.330) FHA LLPAs - Applys to all FHA programs - Add to Price OTHER FHA Price Adjustments - Add to Price Purchase Loan Refi Loan (Non Streamline) FHA Streamline Refi 0-115% LTV FHA Streamline Refi % LTV All Loans FHA Single Family Mortgage Insurance Premiums - Upfront and Annual MIP Terms > 15 Years Term <= 15 Years MIP - Upfront & Annual - Effective MIP - Upfront & Annual - Effective Base Loan Amount LTV Annual MIP Upfront MIP Base Loan Amount LTV Annual MIP < $625,500 < 95% < $625,500 < 95% 0.45 < $625,500 > 95% < $625,500 > 95% 0.70 > $625,500 < 95% > $625,500 < 95% 0.70 > $625,500 > 95% > $625,500 > 95% 0.95 Upfront MIP FHA rate

10 11/16/2018 Wholesale Portfolio Ratesheet 1 YR LIBOR % 5/1 Libor ARM (Fully Amortizing) 2/2/5 Caps LOS Plan 406 MORRIS Plan 403 Price Note Rate Caps Margin: Primary and Second Home Margin: Investment Property Lock Term 406/ % 2%/2%/5% 2.875% 3.250% 45 Days 406/403 (1.000) 4.375% 2%/2%/5% 2.875% 3.250% 45 Days 406/403 (1.250) 4.500% 2%/2%/5% 2.875% 3.250% 45 Days 406/403 (1.375) 4.625% 2%/2%/5% 2.875% 3.250% 45 Days 406/403 (1.500) 4.750% 2%/2%/5% 2.875% 3.250% 45 Days 7/1 Libor ARM (Fully Amortizing) 5/2/5 Caps LOS Plan 407 MORRIS Plan 408 Price Note Rate Caps Margin: Primary and Second Home Margin: Investment Property Lock Term 407/ % 5%/2%/5% 2.875% 3.250% 45 Days 407/408 (1.000) 4.875% 5%/2%/5% 2.875% 3.250% 45 Days 407/408 (1.125) 5.000% 5%/2%/5% 2.875% 3.250% 45 Days 407/408 (1.250) 5.125% 5%/2%/5% 2.875% 3.250% 45 Days Rate Adjustments are not Final until the file has received Final Approval by our Loan Committee and cleared for docs Loan Level Rate Adjustments Expanded Loan Level Rate Adjustments Add to Rate Approval to Process needed prior to lock/submission (contact your AE) All Adjustments are independent of each other Add to Rate 5/1 Purchase Special (a) All Adjustments are independent of each other 7/1 Purchase Special (a) Non- Warrantable Condo (b) Investment Property Asset Depletion Condo Adjustment Alternative Income Cash Out > $100,000 - $250, Alternative Credit Program Cash Out > $250,000 - $500, > 10 financed properties (c) >75%- 80% LTV Short Sale >4 years seasoning > BK > 4 years Seasoned Foreclosure > 7 years DTI >43% - 45% DTI >45% - 48% File Complexity (d) Unit Property >75%- 80% LTV for I/O financed properties (c) I/O (min720, max LTV 65% NOO/70% OO. No exceptions Lock Extensions: Add to fee (a) Purchase Specials Not Applicable for: Major Derogatory Credit & Outside Footprint 7 days ; 15 days ; Max 15 days. Worse Case after max ext. (b) Non-Warrantable Condo adjustment is in addition to standard condo adjustment if applicable. (c) > 4 financed property adjustments do not apply if subject property is a primary residence (d) File Complexity: 2 or more of following - >10 Fin Props, Leaseholds, 3 or more Biz Tax Returns, New Condo Proj. w/full Legal Review - DTI to 48% for fully Amortizing - DTI to 43% for I/O (Please consult your AE for qualifying purposes) Loan Amount and LTV Limitations Fully Amortizing and Interest Only Occupancy LTV CLTV 80% 80% $100,000 to < $1,000,000 Primary 75% 75% $1,000,001 to < $1,500,000 70% 70% $1,500,001 to < $2,500,000 Second Home 80% 80% $100,000 to < $1,000,000 Investment Property - Fully Amortizing 70% 70% $100,000 to < $1,000,000 Investment Property - Interest Only 65% 65% $100,000 to < $1,000,000 Investment Property & Second Home > 4 financed 65% 65% $100,000 to < $1,000,000 Loan Amount RATE LOCK AND SUBMISSION REQUIREMENTS Loans that fit guidelines and are < $1M are lock eligible upon receipt of file submission. Loans > $1M or loans that require a guideline exception must have an 'Approval to Process' to be lock eligible. ** Rate Lock Term is 45 Days - File delivery within 5 business days or Lock Subject to Cancellation. ** To receive an 'Approval to Process', send your Account Executive your scenario. Accuracy is Critical. Be sure to indicate retirement accounts. Loss Payee: Fremont Bank, Its' Successors and/or Assigns. PO Box 7295, Fremont, CA 94536

11 Home Equity Line of Credit - Prime Combo Rates & Terms Primary Second Home Investment Margin Adjustment Base Start Rate % 6.000% 6.750% ALP (2) % Index WSJ Prime Rate is 5.25% as of Friday, November 16, 2018 Base Margin * % % +1.50% Floor Rate 2.990% 2.990% 4.990% Additional Margin Adjustments (Cumulative to Net Margin Adj) HCLTV > 75% to < 80% HCLTV > 80% to < 85% HCLTV > 85% to < 89.99% % % % Condo 2-4 Unit Property % % Other Terms Life Cap Amortization 18% Adjustable Rate Term Minimum Payment Annual Fee Set Up Charge Early Closure Fee 25-years (10-year draw period then15-year repayment) Interest Only during 10-year draw period and fully amortizing payments during 15-year repayment period $75.00 (Promo: Waived for first 1 Year) $95.00 (Promo: Waived Set up fee) $ for all HELOCs with line amounts $25,000 voluntarily terminated in the first 3 years 1 Base Start Rate includes index + margin. For total rate add all applicable margin adjustments to the base start rate. 2 ALP (Automatic Loan Payment) discount is applied after closing and is subject to disbursements from a Fremont Bank checking account. * Margin Promo: Reduced margins on NOO through Dec 31st, 2018 Eligible Counties Northern CA Footprint (limited to the following counties) Southern CA Footprint (limited to the following counties) See guidelines for details Alameda, Contra Costa, Marin, Monterey, Napa, Sacramento, San Francisco, San Mateo, Santa Clara, Santa Cruz, and Sonoma Los Angeles, Orange, San Diego, San Luis Obispo, Santa Barbara, and Ventura HelocGuide 11 HELOC

12 Home Equity Line of Credit Combo Rates & Terms Primary Second Home Investment Margin Adjustment Base Start Rate % 6.000% 6.750% ALP (2) % Index WSJ Prime Rate is 5.25% as of Friday, November 16, 2018 Base Margin * % % +1.50% Floor Rate 2.990% 2.990% 4.990% Additional Margin Adjustments (Cumulative to Net Margin Adj) HCLTV > 75% to < 80% HCLTV > 80% to < 85% HCLTV > 85% to < 89.99% % % % Condo 2-4 Unit Property % % Other Terms Life Cap Amortization 18% Adjustable Rate Term Minimum Payment 30-years (10-year draw period then 20-year repayment) Draw Period: Principal over 30-year or remaining term plus periodic finance charges. Repayment Period: Principal over 20-year or remaining term plus periodic finance charges Annual Fee Set Up Charge Early Closure Fee $75.00 (Promo: Waived for first 1 Year) $95.00 (Promo: Waived Set up fee) $ for all HELOCs with line amounts $25,000 voluntarily terminated in the first 3 years 1 Base Start Rate includes index + margin. For total rate add all applicable margin adjustments to the base start rate. 2 ALP (Automatic Loan Payment) discount is applied after closing and is subject to disbursements from a Fremont Bank checking account. * Margin Promo: Reduced margins on NOO through Dec 31st, 2018 Eligible Counties Northern CA Footprint (limited to the following counties) Southern CA Footprint (limited to the following counties) See guidelines for details Alameda, Contra Costa, Marin, Monterey, Napa, Sacramento, San Francisco, San Mateo, Santa Clara, Santa Cruz, and Sonoma Los Angeles, Orange, San Diego, San Luis Obispo, Santa Barbara, and Ventura Heloc360Guide 12 HELOC 360

13 WHOLESALE SALES TEAMS NORTHERN CALIFORNIA Name Contact # Address Region Mark Panella Mark.Panella@fremontbank.com Sales Manager: Northern- Cal ACCOUNT EXECUTIVES Name Contact # Address Account Exec. Region Mark Levitch mark.levitch@fremontbank.com Contra Costa/Alameda Co. Royal Gooden royal.gooden@fremontbank.com East Bay Joe Melo joe.melo@fremontbank.com South Bay/Peninsula/Central Coast Ken Owens ken.owens@fremontbank.com South Bay Mike Cook mike.cook@fremontbank.com Sacramento Arnie Abramo arnie.abramo@fremontbank.com San Francisco/North Bay SOUTHERN CALIFORNIA Name Contact # Address Region Scott Borst scott.borst@fremontbank.com Sales Manager: Southern- Cal SALES SUPPORT Name Contact # Address Region Scott Parrott Scott.Parrott@fremontbank.com ACCOUNT EXECUTIVES Southern California Name Contact # Address Account Exec. Region Scott McCarthy Scott.McCarthy@fremontbank.com San Diego Jillian Polce Jillian.polce@fremontbank.com San Diego Howard Goldman Howard.Goldman@fremontbank.com Orange County/Los Angeles John Chang john.chang@fremontbank.com San Gabriel, South LA/North Orange Lisa Kocsis lisa.kocsis@fremontbank.com Orange County, LA Bonnie Kalem bonnie.kalem@fremontbank.com LA, Ventura & Santa Barbara Abdul Aref abdul.aref@fremontbank.com Los Angeles/Orange County Celia Margison George Caramihai Celia.Margison@fremontbank.com George.Caramihai@fremontbank.com Los Angeles, Ventura San Fernando Valley/Los Angeles Nafice Amini nafice.amini@fremontbank.com Orange County, San Bernadino/Riverside 13 contact info