Lakeview Wholesale Rate Sheet

Transcription

1 Lakeview Wholesale Rate Sheet Website and Registration Loan submission is available via electronic delivery at using the TPO WebCenter link. Contact Information For rate, term and loan amount changes, or lock extensions, contact the Commitment Desk. Loan must be closed and disbursed by lock expiration date. (855) (85-LKEVIEW) Option 1 brokercommitmentdesk@bayviewloanservicing.com 8:30 a.m.- 7 p.m. ET For underwriting questions or scenarios, contact Underwriting Services (855) (85-LKEVIEW) Option 2 UnderwritingQuestions@bayviewloanservicing.com Please note that all active pipeline loan questions should be directed to your ccount Executive or Client Manager (CSR). For general questions or website assistance, contact Client Services (855) (85-LKEVIEW) Option 3 clientservices@bayviewloanservicing.com dditional Information Title Policy Insured: Lakeview Loan Servicing, LLC, ISO CPL Insured: Lakeview Loan Servicing, LLC as well as successors and/or assigns 507 Prudential Road Horsham, P Lakeview requires and will order a Life of Loan Flood Certificate from Corelogic Flood Data Services, Inc. Mortgage Clause: LoanCare, LLC, ISO/TIM PO Box Florence, SC Tax Service Contract Vendor: Corelogic Realty Tax Services PO Box Ft. Worth, TX Lakeview Loan Servicing, LLC.: FH# V# Fee Information Loan Type Fee Description Fee LE Extension Fees Conventional / Government (FH only) Underwriting Fee (all states except NC, NJ, and W) pplication Fee (NC and NJ only) Origination Fee (W only) Note: Fees may not be charged for V loans. ll V loans are required to go fees in. $ Box 1 Days Days Days Days bout Us Lakeview Loan Servicing, LLC is a trusted source of residential mortgage credit in the U.S. market, committed to providing quality products and services in a timely and accurate manner, that encourage responsible lending practices and homeownership. Portfolio Products lso vailable Lakeview Loan Servicing provides access to a full range of agency residential mortgage products. Bayview Loan Servicing offers innovative portfolio products. Lakeview Loan Servicing, LLC and Bayview Loan Servicing, LLC are members of a family of companies owned or managed by Bayview sset Management, LLC. Bayview companies have been managing mortgage assets since Contact Us 85-LKEVIEW ( ) LakeviewWholesale.com 2018 Lakeview Loan Servicing, LLC. NMLS # This information is for lending institutions only, and not intended for use by individual consumers or borrowers. Lakeview programs are offered to qualified residential lending institutions and are not applicable to the general public or individual consumers. Equal Housing Lender.

2 85-LKEVIEW ( ) Best Efforts Ratesheet Date: Conforming Fixed Pricing 30 Yr Fixed (Loan mount > $150k and conforming 15 Yr Fixed (Loan mount > $150k and conforming limit) - limit) - CBF300 CBF Yr Fixed - CBF % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % Yr Fixed Home Ready - 30 Yr Fixed (Loan mount $85k) - CBF Yr Fixed (Loan mount $85k) - CBF151 FNF % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % Yr Fixed (Loan mount > $85k and $110k) - 30 Yr Fixed Home Possible - 15 Yr Fixed (Loan mount > $85k and $110k) - CBF152 CBF302 FHF % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % Yr Fixed (Loan mount > $110k and $150k) - CBF Yr Fixed (Loan mount > $110k and $150k) - CBF153 Rate 15BE 30BE 45BE 60BE Rate 15BE 30BE 45BE 60BE 4.500% % % % % % % % % % % % % % % % % % % % % % % % % % % % % % Bayview Loan Servicing, LLC Virginia Drive, Suite 403. Fort Washington, P Lakeview Loan Servicing, LLC. NMLS # Bayview Loan Servicing, LLC. NMLS #2469, Equal Housing Lender

3 85-LKEVIEW ( ) Best Efforts Ratesheet Date: Conforming Jumbo Fixed Pricing 30 Yr Fixed (gency Jumbo) - HBF Yr Fixed (gency Jumbo) - HBF Yr Fixed Home Ready High Balance - FNF % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % Conforming & High Balance RM Pricing 3/1 RM (1 Yr LIBOR, 2.25% Margin, 2/2/6 Cap) HB300/CB300 5/1 RM (1 Yr LIBOR, 2.25% Margin, 2/2/5 Cap) HB500/CB500 7/1 RM (1 Yr LIBOR, 2.25% Margin, 5/2/5 Cap) HB700/CB % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % Bayview Loan Servicing, LLC Virginia Drive, Suite 403. Fort Washington, P Lakeview Loan Servicing, LLC. NMLS # Bayview Loan Servicing, LLC. NMLS #2469, Equal Housing Lender Lakeview/Bayview Wholesale Programs are offered to qualified residential lending institutions and are not applicable to the g eneral public and/or individual consumers. This information is for lending institutions only, and not intended for use by indivi dual consumers or borrowers.

4 85-LKEVIEW ( ) Best Efforts Ratesheet Date: Conforming djustments (Non HRP) FICO / LTV djustments > 15YR Extension Fees FICO LTV RTIOS Days Price 60% % % % % % % FICO/Loan mount Price djustments FICO/UPB 85k >85k-110k >110k-150k >150k < < State Group Price dj Group Cash Out / LTV djustments Group FICO LTV RTIOS Group % % % % >80% Group N/ N/ Ineligible States N/ N/ N/ UNITS/LTV LTV >75% No Escrow N/ ll N/ < N/ *Mortgages without an Indicator Score will be charged the below 620 Indicator Score / Loan-to-Value Fee. Product Purpose 75% LTV >75% to 80% >80% LTV UNITS/LTV 75% % >80% Purch & No C/O Refi 30/20/15 Fixed ll Secondary Financing djustments * CashOut Refi N/ ll RM Purch & No C/O Refi RM High LTV djustment LTV Ratios CLTV Ratios < CashOut Refi N/ 90.01% % % 80.01%-95.0% %-75.0% 80.01%-95.0% Sec Fin dj - Home Possible High LTV djustment 75.01%-95.0% 90.01%-95.0% ll LTVs LTV > 95% %-90.0% 76.01%-90.0% % 95.01%-97.0% * Excludes Home Possible * secondary financing delivery fee will not be assessed on a Mortgage with a HELOC balance of zero at loan closing. Multi-Unit djustments UNITS/LTV 60% % % % % % >90% 2 Units Units LPMI djustments STD LTV <= Condo djustments >15YR Conforming Jumbo djustments State Price djustments States C,CT,IL,IN,KS,M,MI,MN,MO,NM,UT,VT,WI L,Z,DE,G,ID,MD,ME,MT,NE,NH,OH,P,RI,SC,V,W,WY K,R,CO,DC,I,KY,MS,NC,NJ,TN,WV FL,L,ND,OK,OR,SD,TX HI,NV,NY Escrow Waiver Investment Property djustments HR/HP LPMI djustments Home Ready (FNF550)/Home Possible (FHF550) djustments STD LTV *LL STNDRD GSE LLPs PPLY WITH CPS INDICTED BELOW SERVICING LLPs still PPLY; FICO/UPB,STTE and ESCROW) <= Home Ready Delivery Caps Product Feature LLP Caps dditional LPMI djustments LTV = 20yr & 95.01% = 20yr & 90.01% = 20yr & 85.01% <= 20yr & <=85% R/T Refi Loan Size > 453.1k nd Home Investment Prop N/ N/ N/ LTV > 80% and FICO >= ll Other LTVs and FICO Combinations (1.500) Home Possible Delivery Caps Product Feature LLP Caps LTV > 80% and FICO >= LTV > 80% and FICO < 680 (1.500) LTV <= 80% and all FICOs (1.500) Bayview Loan Servicing, LLC Virginia Drive, Suite 403. Fort Washington, P Lakeview Loan Servicing, LLC. NMLS # Bayview Loan Servicing, LLC. NMLS #2469, Equal Housing Lender

5 85-LKEVIEW ( ) Best Efforts Ratesheet Date: Freddie Mac Eligible HRP Open ccess Pricing 30 Yr HRP (LTV < 80) - FHF Yr HRP (LTV < 80) - FHF Yr HRP (LTV < 80) - FHF % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % Yr HRP (LTV ) - FHF Yr HRP (LTV ) - FHF Yr HRP (LTV ) - FHF % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % Yr HRP (LTV )- FHF Yr HRP (LTV ) - FHF Yr HRP (LTV ) - FHF % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % Yr HRP (LTV ) - FHF Yr HRP (LTV ) - FHF Yr HRP (LTV ) - FHF % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % Yr HRP (LTV ) - FHF Yr HRP (LTV ) - FHF Yr HRP (LTV ) - FHF % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % Bayview Loan Servicing, LLC Virginia Drive, Suite 403. Fort Washington, P Lakeview Loan Servicing, LLC. NMLS # Bayview Loan Servicing, LLC. NMLS #2469, Equal Housing Lender

6 85-LKEVIEW ( ) Best Efforts Ratesheet Date: Freddie Mac Eligible HRP Open ccess Pricing (Cont) 30 Yr HRP (LTV ) - FHF Yr HRP (LTV ) - FHF Yr HRP (LTV ) - FHF % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % Yr HRP (LTV >125.00) - FHF Yr HRP (LTV >125.00) - FHF Yr HRP (LTV >125.00) - FHF % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % LTV >80% LTV Product ll Eligible Investment Properties ll Eligible ll Eligible ll Eligible FICO Occupancy ll Other Fixed Fixed RMs ll Eligible LTV RTIOS FICO / LTV djustments > 15YR LTV RTIOS 60% % % % % >85% >95-97% >97-105% >105% ll UNITS/LTV 75% % >80% ll UNITS/LTV LTV >75% ll N/ N/ N/ N/ N/ N/ < 620 N/ N/ N/ N/ N/ N/ Secondary Financing djustments LTV Ratios TLTV Ratios < UNITS/LTV 60% % % % % % >90% 75% 80% Units % > 80% & 95% Units > 65% & 75% > 80% & 95% > 75% & 80% > 76% & 95% > 80% & 90% > 81% & 95% > 90% & 95% > 91% & 95% mortization Term 20yr > 20yr ll > 95% * secondary financing delivery fee will not be assessed on a Mortgage with a HELOC balance of zero at loan closing. Freddie Mac Eligible HRP Open ccess djustments (pplicable to Delivery Caps) Freddie Mac Eligible HRP Open ccess Delivery Caps Product Market Condition djustment Mortgages With High LTVs Investment Property djustments Condo djustments >15YR Multi-Unit djustments Freddie Mac Eligible HRP Open ccess djustments (dditional to Delivery Caps) FICO/Loan mount Price djustments Extension Fees FICO/UPB 85k >85k-110k >110k-150k >150k Days Price State Group Price dj < Group Group Group Group Escrow Waiver Ineligible States No Escrow State Price djustments States C,CT,IL,IN,KS,M,MI,MN,MO,NM,UT,VT,WI L,Z,DE,G,ID,MD,ME,MT,NE,NH,OH,P,RI,SC,V,W,WY K,R,CO,DC,I,KY,MS,NC,NJ,TN,WV FL,L,ND,OK,OR,SD,TX HI,NV,NY Bayview Loan Servicing, LLC Virginia Drive, Suite 403. Fort Washington, P Lakeview Loan Servicing, LLC. NMLS # Bayview Loan Servicing, LLC. NMLS #2469, Equal Housing Lender

7 85-LKEVIEW ( ) Best Efforts Ratesheet Date: Fannie Mae Eligible HRP DURP Pricing 30 Yr HRP (LTV < 80) - FNF Yr HRP (LTV < 80) - FNF Yr HRP (LTV < 80) - FNF % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % Yr HRP (LTV ) - FNF Yr HRP (LTV ) - FNF Yr HRP (LTV ) - FNF % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % Yr HRP (LTV ) - FNF Yr HRP (LTV ) - FNF Yr HRP (LTV ) - FNF % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % Yr HRP (LTV ) - FNF Yr HRP (LTV ) - FNF Yr HRP (LTV ) - FNF % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % Yr HRP (LTV ) - FNF Yr HRP (LTV ) - FNF Yr HRP (LTV ) - FNF % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % Bayview Loan Servicing, LLC Virginia Drive, Suite 403. Fort Washington, P Lakeview Loan Servicing, LLC. NMLS # Bayview Loan Servicing, LLC. NMLS #2469, Equal Housing Lender

8 85-LKEVIEW ( ) Best Efforts Ratesheet Date: Fannie Mae Eligible HRP DURP Pricing (Cont) 30 Yr HRP (LTV ) - FNF Yr HRP (LTV ) - FNF Yr HRP (LTV ) - FNF % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % Yr HRP (LTV >125.00) - FNF Yr HRP (LTV >125.00) - FNF Yr HRP (LTV >125.00) - FNF % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % Fannie Mae Eligible HRP Refi Plus Delivery Caps Occupancy Pincipal Residences > 80% LTV Fannie Mae Eligible HRP DURP djustments (pplicable to Delivery Caps) mortization Term > 80% LTV 20yr > 20yr Market Condition djustment ll Eligible ll Eligible Occupancy mortization Term 105% LTV >105% LTV Mortgages With High LTVs Product ll Other Refi Plus > 25yr and 30yr 25yr >95-97% >97-105% >105% ll FICO / LTV djustments > 15YR Investment Property djustments FICO LTV RTIOS UNITS/LTV 75% % >80% 60% % % % % % % >95% ll Condo djustments >15YR UNITS/LTV LTV >75% ll N/ N/ N/ N/ N/ N/ N/ N/ < 620 N/ N/ N/ N/ N/ N/ N/ N/ Secondary Financing djustments ll UNITS/LTV 60% % % % % % >90% LTV Ratios CLTV Ratios < Units % % 90.01% % Units % % 90.01% % % % 76.01% % ll > 95.00% * secondary financing delivery fee will not be assessed on a Mortgage with a HELOC balance of zero at loan closing. Multi-Unit djustments Fannie Mae Eligible HRP DURP djustments (dditional to Delivery Caps) FICO/Loan mount Price djustments Extension Fees FICO/UPB 85k 85k-110k 110k-150k >150k Days Price State Group Price dj < Group Group Group Group Escrow Waiver Ineligible States No Escrow State Price djustments States C,CT,IL,IN,KS,M,MI,MN,MO,NM,UT,VT,WI L,Z,DE,G,ID,MD,ME,MT,NE,NH,OH,P,RI,SC,V,W,WY K,R,CO,DC,I,KY,MS,NC,NJ,TN,WV FL,L,ND,OK,OR,SD,TX HI,NV,NY Bayview Loan Servicing, LLC Virginia Drive, Suite 403. Fort Washington, P Lakeview Loan Servicing, LLC. NMLS # Bayview Loan Servicing, LLC. NMLS #2469, Equal Housing Lender