Utah 8:00 AM 12/21/ Wateridge Circle, Suite 250 San Diego, CA (877)

Size: px

Start display at page:

Download "Utah 8:00 AM 12/21/ Wateridge Circle, Suite 250 San Diego, CA (877)"

Randell Lynch
5 years ago
Views:

SALES CONTACTS DIVISIONAL NORTH WEST DIVISIONAL MANAGER Debbie Hood debbie.hood@bexilamerican.com 425.533.0127 OPERATIONS CONTACTS BROKER LIAISON UTAH Chris Czanstke chris.czanstke@bexilamerican.

25000 Lender Fees Administrative Fee on Conventional Administrative Fee on Government $875 $485 MORTGAGEE CLAUSE Bexil American Mortgage Inc.

1 SALES CONTACTS DIVISIONAL NORTH WEST DIVISIONAL MANAGER Debbie Hood OPERATIONS CONTACTS BROKER LIAISON UTAH Chris Czanstke ACCOUNT EXECUTIVES Josh Kramer Indices 1 Yr LIBOR Yr CMT Prime Lender Fees Administrative Fee on Conventional Administrative Fee on Government $875 $485 MORTGAGEE CLAUSE Bexil American Mortgage Inc., its successor and/or assigns LOCKING AND EXTENSIONS Lock Hours: 8:30 am - 4:00 pm PDT 1 day extension: Free Extension Fee per day (after 1st day free of charge): (0.020) Programs and Pricing Available Online 15 day lock period is available only on loans with a status of Clear to Close Minimum Loan Amount on All Products: $50,000 FHA Mortgagee Number: VA Mortgagee Number: Conventional Loan Limits Units Contiguous States, District of Columbia and Puerto Rico Contiguous States, District of Columbia and Puerto Rico Units Alaska, Guam, Hawaii, and the U.S. Virgin Islands Alaska, Guam, Hawaii, and the U.S. Virgin Islands General High Cost Area General High Cost Area 1 $417,000 $625,500 1 $625,500 $938,250 2 $533,850 $800,775 2 $800,775 $1,201,150 3 $645,300 $967,950 3 $967,950 $1,451,925 4 $801,950 $1,202,925 4 $1,202,925 $1,804,375 Bexil American Mortgage Inc's. policy strictly prohibits making any loans that are classified as "High Cost" mortgages or "Higher-d" mortgages. These materials Wateridge Circle, Suite 250,. Bexil American Mortgage Inc.'s NMLS number is

2 Conforming Fixed and ARM Programs Max Net : CONFORMING 30 YR CONFORMING 20 YR CONFORMING 15 YR CONFORMING 10 YR (0.667) (0.480) (0.380) (0.138) (0.044) (1.239) (1.052) (0.952) (1.945) (1.760) (1.660) (0.931) (0.742) (0.642) (1.705) (1.518) (1.418) (0.324) (0.161) (0.799) (0.639) (0.467) (0.561) (0.341) (0.230) (0.994) (0.779) (0.662) (2.680) (2.495) (2.395) (3.347) (3.164) (3.064) (2.276) (2.090) (1.990) (2.108) (1.923) (1.823) (1.436) (1.237) (1.137) (1.993) (1.795) (1.695) (1.761) (1.562) (1.462) (2.318) (2.120) (2.020) (3.818) (3.636) (3.536) (2.501) (2.335) (2.204) (4.106) (3.925) (3.825) (4.323) (4.145) (3.955) (4.834) (4.656) (4.466) CONF HIGH BAL 30 YR CONF HIGH BAL 15 YR CONF HIGH BAL ARM 5/1 CONF HIGH BAL ARM 7/ (0.195) (0.010) (0.930) (0.745) (0.645) (1.597) (1.414) (1.314) (2.068) (1.886) (1.786) (2.356) (2.175) (2.075) (2.573) (2.395) (2.205) (0.243) (0.045) (0.751) (0.585) (0.454) (1.178) (1.018) (0.846) (1.463) (1.303) (1.131) (1.713) (1.553) (1.381) (0.058) (0.291) (0.166) (0.041) (0.385) (0.260) (0.135) (3.084) (2.906) (2.716) (0.010) CONF LIBOR ARM 3/ Margin 2/2/6 CONF LIBOR ARM 5/1 CONF LIBOR ARM 7/ (0.241) (0.114) (0.552) (0.090) (0.086) (0.215) (0.731) (0.257) (0.087) (0.439) (0.134) (0.689) (0.210) (0.040) (0.699) (0.218) (0.048) (0.052) (0.589) (0.102) (0.880) (0.391) (0.221) (0.990) (0.492) (0.322) Bexil American Mortgage Inc's. policy strictly prohibits making any loans that are classified as "High Cost" mortgages or "Higher-d" mortgages. These materials Wateridge Circle, Suite 250,. Bexil American Mortgage Inc.'s NMLS number is

3 Conforming Fixed Program Adjustments (All Adjustments are Cumulative Unless Otherwise Stated) Conf Fixed Prop/Occ Adjustments LTV/Occ <=60% % % % % % % N/O/O Prop n/a n/a Condo >15 Yr Unit Prop n/a n/a n/a 3-4 Unit Prop n/a n/a n/a n/a Conf Fixed Sub-Financing LTV/CLTV <720 >=720 <=65% / % % / % % / % % / % <=95% / % Conf Fixed LTV/FICO Adjustments >15 yrs LTV/FICO <=60% % % % % % % (0.250) (0.250) >=740 (0.250) Conf Fixed C/O Refi LTV/FICO Adjustments (High Balance Excluded) LTV/FICO <=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 Conf Fixed Cash-Out Refi (High Balance Only) LTV/FICO Requirements <=60% >= Conf Fixed Loan Amount Adjustments Loan Amount $50,000-<$100, $100,000-<$140, Conf Fixed Non-Impounded Loans Non-Impounded Loans CA Only All States (Except CA) Conf Fixed State Loan Amount Adjustments State/Loan Amount >$140,000 RI, MN, MD, CA, CO (0.091) NY, CT, IA, UT, VT, PR, FL, NV, MA ME, NJ, AZ, DC, HI, ID, IN, KS, MT (0.029) NH, NM, OH, WA, WV, WY, ND, SD (0.029) MI, PA, NE, AK, AL, DE, KY, LA, MO (0.038) OK, OR, TN, IL, MS, WI, GA, AR (0.038) NC, VA, SC, TX (0.111) Bexil American Mortgage Inc's. policy strictly prohibits making any loans that are classified as "High Cost" mortgages or "Higher-d" mortgages. These materials Wateridge Circle, Suite 250,. Bexil American Mortgage Inc.'s NMLS number is

4 Conforming ARM Program Adjustments (All Adjustments are Cumulative Unless Otherwise Stated) Conf ARM Prop/Occ Adjustments LTV/Occ <=60% % % % % % % ARM N/O/O Prop n/a n/a Condo >15 yr Unit Prop n/a n/a n/a 3-4 Unit Prop n/a n/a n/a n/a Conf ARM Sub-Financing Adjustments LTV/CLTV <720 >=720 <=65% / % % / % % / % % / % Conf ARM LTV/FICO Adjustments LTV/FICO <=60% % % % % % % (0.250) (0.250) >=740 (0.250) Conf ARM Cash-Out Refi LTV/FICO Adjustments LTV/FICO <=60% % % % % >= Conf HB ARM LTV/FICO Adjustments LTV/FICO <=60% % % (0.250) (0.250) >=740 (0.250) Conf HB ARM Cash-Out Refi Adjustments LTV/FICO Requirements <=60% >= Conf ARM Loan Amt Adjustments Loan Amount $50,000-<$100, $100,000-<$140, Conf ARM State Loan Amount Adjustments (High Balance Excluded) State/Loan Amount >$140,000 RI, MN, MD, CA, CO (0.091) NY, CT, IA, UT, VT, PR, FL, NV, MA ME, NJ, AZ, DC, HI, ID IN, KS, MT (0.029) NH, NM, OH, WA, WV, WY, ND, SD (0.029) MI, PA, NE, AK, AL, DE, KY, LA, MO (0.038) Conf HB ARM Sub-Financing Adjustments OK, OR, TN, IL, MS, WI, GA, AR (0.038) NC, VA, SC, TX (0.111) LTV/CLTV <720 >=720 <=65% / % % / % % / % Conf HB ARM Prop/Occ Adjustments Prop/Occ N/O/O Prop Unit Prop Condo >15 yr & >= 75.01% LTV Bexil American Mortgage Inc's. policy strictly prohibits making any loans that are classified as "High Cost" mortgages or "Higher-d" mortgages. These materials Wateridge Circle, Suite 250,. Bexil American Mortgage Inc.'s NMLS number is

5 Government Programs and Pricing Adjustments FHA Max Net : / VA Max Net : (All Adjustments are Cumulative Unless Otherwise Noted) FHA 30 YR (3.971) (3.871) (4.469) (4.369) (4.945) (4.845) (5.236) (5.136) (6.427) (6.327) (6.792) (6.692) (6.736) (6.636) FHA 15 YR (3.058) (2.958) (3.361) (3.261) (3.410) (3.310) (4.270) (4.170) (4.487) (4.387) (4.644) (4.544) (4.496) (4.396) FHA HIGH BAL 30 YR (2.571) (2.471) (3.069) (2.969) (3.545) (3.445) (3.836) (3.736) (3.517) (3.417) VA 30 YR Rate 45 days 60 days (0.463) (0.213) (1.050) (0.800) (1.593) (1.343) (4.204) (3.954) (4.740) (4.490) (5.211) (4.961) VA 15 YR Rate 45 days 60 days (3.217) (2.967) (3.862) (3.612) (4.072) (3.822) (4.418) (4.168) (4.452) (4.202) (5.056) (4.806) (5.225) (4.975) FHA State Loan Amount Adjustments State/Loan Amount >$140,000 RI, MN, MD, CA, CO, MA NY, CT, IA, UT, VT, PR, FL, NV ME, NJ, AZ, DC, HI, ID, IN, KS, MT (0.015) (0.015) NH, NM, OH, WA, WV, WY, ND, SD (0.015) (0.015) MI, PA, NE, AK, AL, DE, KY, LA, AR (0.020) (0.020) MO, OK, OR, TN, IL, MS, WI, GA (0.020) (0.020) NC, VA, SC, TX (0.060) (0.060) FHA FICO Adjustments FICO 720+ (0.250) (0.125) FHA Condo Adjustment Prop/Occ Condos Located in GA FHA/VA Loan Amt Adjustments Loan Amount $50,00-<$100, $100,000-<$140, VA FICO Adjustments FICO VA Pricing Special Special FICO >= 740 (0.250) Bexil American Mortgage Inc's. policy strictly prohibits making any loans that are classified as "High Cost" mortgages or "Higher-d" mortgages. These materials Wateridge Circle, Suite 250,. Bexil American Mortgage Inc.'s NMLS number is

6 Jumbo Programs and Pricing Adjustments Max Net : (All Adjustments are Cumulative Unless Otherwise Noted) JUMBO FIXED 30 YR JUMBO FIXED 15 YR (0.147) JUMBO LIBOR ARM 5/ (0.190) (0.065) (0.449) (0.324) (0.649) (0.524) (0.839) (0.714) JUMBO LIBOR ARM 7/ (0.162) (0.037) (0.200) (0.075) JUMBO LIBOR ARM 10/ Jumbo CA County Adjustments Jumbo Prop/Occ Adjustments County Alameda, Contra Costa, Marin, Monterey, Napa (0.750) San Benito, San Diego, San Francisco (0.750) San Luis Obispo, San Mateo, Santa Barbara (0.750) Santa Clara, Santa Cruz, Sonoma, Ventura (0.750) Alpine, Amador, Calaveras, Colusa, Fresno, Glenn (0.125) Kern, Madera, Mariposa, Modoc, Mono, Plumas (0.125) Riverside, San Bernadino, Sierra, Siskiyou, Sutter (0.125) Trinity, Tulare, Yuba (0.125) Butte, Imperial, Merced San Jaoquin, Shasta, Solano Del Norte, El Dorado, Humboldt, Inyo, Kings Lake, Lassen, Los Angeles, Mendocino, Nevada Orange, Sacramento, Stanislaus Tehama, Tuolumne, Yolo LTV/Feature <=65% % % % LTV FICO (Max LTV 60%) n/a n/a n/a FICO n/a n/a FICO (0.125) FICO (0.625) (0.375) (0.250) Loan Amount $1,000,000- $1,500,000 Loan Amount $1,500,001- $2,000,000 FICO 800+ (1.250) (0.875) (0.750) (0.500) n/a n/a 2 Unit Prop Low Rise Condo < 4 Floors n/a High Rise Condos > 4 Floors n/a Second Home n/a Cash Out n/a n/a n/a Properties in CA or TX (0.125) (0.125) (0.125) (0.125) Bexil American Mortgage Inc's. policy strictly prohibits making any loans that are classified as "High Cost" mortgages or "Higher-d" mortgages. These materials Wateridge Circle, Suite 250,. Bexil American Mortgage Inc.'s NMLS number is

> 801 to 1600 OJT Hours. 1st Semester. Addt'l Wage or Approved ERISA Plan. 1 Alameda $30.08 $19.55 $2.00 $8.53 $33.69 $21.90 $2.00 $9.

> 801 to 1600 OJT Hours. 1st Semester. Addt'l Wage or Approved ERISA Plan. 1 Alameda $30.08 $19.55 $2.00 $8.53 $33.69 $21.90 $2.00 $9. > 0 to 800 OJT Hours > 801 to 1600 OJT Hours 50% Approved ERISA 56% 1 Alameda $30.08 $19.55 $2.00 $8.53 $33.69 $21.90 $2.00 $9.79 2 Alpine $24.17 $15.71 $2.00 $6.46 $27.07 $17.60 $2.00 $7.47 3 Amador $24.17