Portfolio Wholesale Fees. Lender Paid Comp. calculate by dividing 4000 by the loan amount and multiplying. LTV Eligibility Matrix
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1 Axos Bank Wholesale Borrower Paid SFR Ratesheet Lock Desk Wholesale Sales Inquiries Monday, October 22, 2018 Lock Requests: PORTFOLIO ARM - BORROWER PAID 5/1 LIBOR ARM 6/2/6 (JP51, JP51IO) 7/1 LIBOR ARM 6/2/6 (JP71) 10/1 LIBOR ARM 6/2/6 (JP101) Base Rate 21 Day 30 Day 45 Day 60 Day Base Rate 21 Day 30 Day 45 Day 60 Day Base Rate 21 Day 30 Day 45 Day 60 Day Rate Adjustments Price Adjustments ARM Features 2nd Home Max of 2 extensions - Not to exceed original lock term Rate Floor = Note Rate 2-4 Unit Property Day Lock Extension - Margin = 3.25 Investment (18 mo. Pre-Payment Penalty) Day Lock Extension Caps = 6/2/6 FICO or No FICO Day Lock Extension FICO (Exception) FICO (Exception) FICO <640 (Exception) Loan Amount $300K - $424.1K Loan Amount $424.1K - $2.5MM Loan Amount $2.5MM - $5.0MM Loan Amount $5.0MM+ (Exception) Purchase Money Loan To Value (LTV) 50% TBD Portfolio Wholesale Fees Lender Fee Trust/Entity Review TX Doc Review Non-Resident Alien Review Privacy Mortgage Lender Paid Comp $1, $ $ $ $ Information Cross-Collateralization (Wholesale Only) Interest Only (Max 60% LTV/CLTV) 5/1 ARM Only Lender Paid Compensation is equal to the greater of $4,000 or 1% of loan amount. For loan amounts less than $400K - Cash Out calculate by dividing 4000 by the loan amount and multiplying the result by 100. Example: 4000/ = x 100 = Condo (Condotel Max 50% LTV) Adjustment Co-Op (New York Only) Asset Depletion Max Pricing Borrower rebate (after LPC) is capped at the lesser of the total of non-recurring closing costs or $3,000. To calculate the maximum rebate allowed divide 3000 by the loan amount. Example: 3,000 / 500,000 = x 100 = 0.6 In this example the max. borrower price would be Non-Traditional Credit or No FICO Borrowers who have Non- Traditional credit or No FICO we assume a 680 FICO for pricing purposes. Qualifying FICO For qualification and pricing purposes the lowest middle score of all the borrowers is used (if more than one borrower is applying). LTV Eligibility Matrix Property Type $1MM LTV/CLTV >$1MM - $2MM LTV/CLTV >$2MM - $3MM LTV/CLTV >$3MM - $5MM LTV/CLTV Primary Residence - Purchase 1 Unit 70 / / / / Unit 70 / / / / 60 Condo/Co-Op 65 / / / / 60 Primary Residence - Rate & Term 1 Unit 70 / / / / Unit 70 / / / / 60 Condo/Co-Op 65 / / / / 60 Primary Residence - Cash Out 1 Unit 65 / / / / Unit 65 / / / / 55 Condo/Co-Op 60 / / / / 55 2nd Home - Purchase 1 Unit 65 / / / / Unit 65 / / / / 60 Condo/Co-Op 65 / / / / 60 2nd Home - Refinance (Rate/Term) 1 Unit 60 / / / / Unit 60 / / / / 55 Condo/Co-Op 60 / / / / 55 2nd Home - Refinance (Cash Out) 1 Unit 60 / / / / Unit 60 / / / / 55 Condo/Co-Op 60 / / / / 55 Investment - Purchase 1 Unit 60 / / / / Unit 60 / / / / 50 Condo/Co-Op 55 / / / / 50 Investment - Refinance (Rate/Term) 1 Unit 60 / / / / Unit 60 / / / / 50 Condo/Co-Op 55 / / / / 50 Investment - Refinance (Cash Out) 1 Unit 60 / / / / Unit 60 / / / / 45 Condo/Co-Op 55 / / / / 45
2 Axos Bank Wholesale SFR Ratesheet Borrower Paid Lock Desk Wholesale Sales Inquiries Lock Requests: 12 Month Bridge Loan (Interest Only) - BORROWER PAID ONLY Base Rate Par (100.00) Loan Level Rate Adjustments Investment Property nd Home 0.25 Cash Out 0.25 Lender Fee Axos Bank Origination Fee = 1% of Loan Amount Axos Bank Lender Fee = $ Eligibility Property Type 1-4 Unit SFR only Occupancy Type Owner Occupied, 2nd Home, and Investment Minimum FICO 680 Minimum Loan Size $1,000,000 Maximum LTV 55% Loan Term Payment Term Listing Requirements Citizenship 1 Year with option to renew. Two extensions of 6 months are allowed (12 months total). The 6 month extension option is at a cost of.50% of the original loan amount and a $500 renewal review fee for each renewal requested. Interest Only Average Marketing Time for the neighborhood may not exceed 6 months NRA (Non Resident Alien) NOT ELIGIBLE Please see full guidelines online for more information
3 Axos Bank Wholesale Borrower Paid SFR Ratesheet Lock Desk Sales Inquiries Monday, October 22, 2018 Lock Requests: MERIDIAN PRIME JUMBO QM 30 Year Fixed (SQMFX30) 15 Year Fixed (SQMFX15) /1 LIBOR ARM 2/2/5 QM (SQM51) 7/1 LIBOR ARM 5/2/5 QM (SQM71) 10/1 LIBOR ARM 5/2/5 QM (SQM101) Rate 15-Day 30-Day 45-Day 60-Day MERIDIAN PRIME 90 LTV JUMBO QM MERIDIAN PRIME JUMBO NON-QM 30 Year Fixed (S90QMFX30) 30 Year Fixed (SNQMFX30)
4 Axos Bank Wholesale SFR Ratesheet Lock Desk Sales Inquiries MERIDIAN PRIME JUMBO LLPAs Lock Requests:. MERIDIAN PRIME 90 QM LLPAs LTV / CLTV / HCLTV LTV / CLTV / HCLTV No MI No MI No MI FICO FICO NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA Loan Amounts Loan Amounts ,000, ,000, ,000,001-1,500, NA 1,000,001-1,500, ,500,001-2,000, NA NA 1,500,001-2,000,000 NA NA 2,000,001-2,500, NA NA NA 2,000,001-2,500,000 NA NA Purpose / Property Purpose / Property Cash Out NA NA NA Cash Out NA NA 2 Unit NA NA NA 2 Unit NA NA 3-4 Units NA NA NA 3-4 Units NA NA Second Home NA Second Home NA NA Investment NA NA NA Investment NA NA Purchase Purchase Non-War. Condo NA NA NA NA NA NA Non-War. Condo NA NA Condo-Hotel NA NA NA NA NA NA Condo-Hotel NA NA Product Product yr Hybrid yr Hybrid NA NA 7 yr Hybrid yr Hybrid NA NA 10 yr Hybrid yr Hybrid NA NA 15 yr Fixed yr Fixed NA NA 20 yr Fixed (add to yr Fixed (add to yr Fixed) yr Fixed) yr Fixed yr Fixed State Adjustments FL, NV No Escrows State Adjustments FL, NV CA No Escrows Max Net Price 30 YR 15 YR 10/1 ARM 7/1 ARM 5/1 ARM Max Net Price 30 YR 1,000, ,000, > 1,000, > 1,000, QM - Special 30/25/20 yr, Non CA 30/25/20 yr, CA 5/7/10 yr Hybrid, CA Non-QM - Special 30/25/20 yr, Non CA 30/25/20 yr, CA NA NA
5 Axos Bank Wholesale Borrower Paid SFR Ratesheet Lock Desk Correspondent Sales Inquiries Monday, October 22, 2018 Lock Requests: MERIDIAN PLUS JUMBO QM 30 Year Fixed (CQMFX30) 15 Year Fixed (CQMFX15) /1 LIBOR ARM 2/2/5 QM (CQM51) 7/1 LIBOR ARM 5/2/5 QM (CQM71) 10/1 LIBOR ARM 5/2/5 QM (CQM101) Rate 15-Day 30-Day 45-Day 60-Day MERIDIAN PLUS JUMBO NON-QM 30 Year Fixed (CNQMFX30) 15 Year Fixed (CNQMFX15)
6 5/1 LIBOR ARM 2/2/5 QM (CNQM51) 7/1 LIBOR ARM 5/2/5 QM (CNQM71) 10/1 LIBOR ARM 5/2/5 QM (CNQM101) Rate 15-Day 30-Day 45-Day 60-Day MERIDIAN PLUS JUMBO NON-QM INTEREST ONLY 30 Year Fixed (CNQMFX30IO) Rate 15-Day 30-Day 45-Day 60-Day /1 LIBOR ARM 2/2/5 QM (CNQM51IO) 7/1 LIBOR ARM 5/2/5 QM (CNQM71IO)
7 Axos Bank Wholesale SFR Ratesheet Lock Desk Correspondent Sales Inquiries MERIDIAN PLUS LLPAs Lock Requests: FICO Loan Amounts 1,000,000 1,000,001-1,500,000 1,500,001-2,000,000 2,000,001-2,500,000 Purpose / Property Cash Out 2 Unit 3-4 Units Second Home Investment Purchase Non-War. Condo Condo-Hotel Product 5 yr Hybrid 7 yr Hybrid 10 yr Hybrid 15 yr Fixed 20 yr Fixed (add to 30 yr Fixed) 30 yr Fixed State Adjustments FL, NV LTV / CLTV / HCLTV No MI No MI NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA No Escrows Max Net Price 1,000,000 > 1,000, YR 15 YR 10/1 ARM 7/1 ARM 5/1 ARM
PORTFOLIO ARM - BORROWER PAID
BofI Federal Bank Wholesale Borrower Paid SFR Ratesheet Lock Desk Email: lockdesk@bofi.com Wholesale Sales Inquiries Thursday, June 28, 2018 Lock Requests: PORTFOLIO ARM - BORROWER PAID 5/1 LIBOR ARM 6/2/6
PORTFOLIO ARM - BORROWER PAID
BofI Federal Bank Wholesale Borrower Paid SFR Ratesheet Lock Desk Email: lockdesk@bofi.com Wholesale Sales Inquiries Tuesday, March 20, 2018 Lock Requests: PORTFOLIO ARM - BORROWER PAID 5/1 LIBOR ARM 6/2/6
Portfolio Wholesale Fees
https://correspondent.axosbank.com PORTFOLIO ARM - BORROWER PAID 5/1 LIBOR ARM 6/2/6 (JP51, JP51IO) 7/1 LIBOR ARM 6/2/6 (JP71) 10/1 LIBOR ARM 6/2/6 (JP101) Base Rate 21 Day 30 Day 45 Day 60 Day Base Rate
Portfolio Wholesale Fees
https://correspondent.axosbank.com PORTFOLIO ARM - BORROWER PAID 5/1 LIBOR ARM 6/2/6 (JP51, JP51IO) 7/1 LIBOR ARM 6/2/6 (JP71) 10/1 LIBOR ARM 6/2/6 (JP101) Base Rate 21 Day 30 Day 45 Day 60 Day Base Rate
AGENCY CONFORMING & HIGH BALANCE (Fannie Mae DU) BORROWER PAID
AGENCY CONFORMING & HIGH BALANCE (Fannie Mae DU) BORROWER PAID 30 & 25 Year Fixed Agency DU (DU30, DU25) 20 Year Fixed Agency DU (DU20) 15 & 10 Year Fixed Agency DU (DU15, DU10) 4.750 107.140 107.029 106.957
PORTFOLIO ARM BORROWER PAID RATE SHEET For Lender Paid Comp Plan see below
PORTFOLIO ARM BORROWER PAID RATE SHEET For Lender Paid Comp Plan see below 5/1 LIBOR (Portfolio 6/2/6) ARM (JP51, JP51IO) 7/1 LIBOR (Portfolio 6/2/6) ARM (JP71) 10/1 LIBOR (Portfolio 6/2/6) ARM (JP101)
THE LSMG JUMBO PRODUCT
THE LSMG JUMBO PRODUCT Primary Residence: Purchase Property Type 2-unit Max LTV/CLTV/ Max Loan Min Loan Amount 2 Amount 3 Min FICO Score 4 Max 85% 6 $1,000,000 760 36% / 43% 80% $1,500,000 720 40% / 43%
REG Z PORTFOLIO ARMS - Primary Residence. REG Z PORTFOLIO ARMS - Non-Owner Occupied (Cash out or Delayed Finance, Not Business Entity) A+ CREDIT
California Luther Burbank Savings ~ Wholesale Rate Sheet 5/23/2016 8:00 AM PST Lock Desk: 7:30 AM - 4:00 PM PST, Monday - Friday Index: Website www.lutherburbanksavingswholesale.com 1 Yr LIBOR 1.2990%
Michigan Mutual Inc. > Home
Page 1 of 14 HOME CLIENT SIGN UP RATES/GUIDELINES RESOURCES CONTACT US CAREERS Online Mortgage Payments Click here. Sign Up For Email Rates & Announcements Email Address SIGNUP> Underwriting Turn Times
FHA LOAN ADJUSTMENTS
FHA Programs 19000 MacArthur Blvd., Ste 200 Date: Rate Sheet ID: Borrower Paid FHA 30 Year Fixed FHA 15 Year Fixed FHA 30 Year Fixed (HB) 3.125 2.356 2.415 2.665 2.625 2.305 2.344 2.594 3.625 (0.737) (0.627)
JUMBO 2 - Corr & Broker
Programs, Rates, and Pricing also available at westernbancorp.com 1 Yr Libor 2.800 Jumbo Products JUMBO 2 - Corr & Broker 30 Year Fixed 20230 15 Year Fixed 20215 Rate 30 day 45 day 60 day Rate 30 day 45
JUMBO 2 - Corr & Broker
Programs, Rates, and Pricing also available at westernbancorp.com 1 Yr Libor 2.770 Jumbo Products JUMBO 2 - Corr & Broker 30 Year Fixed 20230 15 Year Fixed 20215 Rate 30 day 45 day 60 day Rate 30 day 45
JUMBO 2 - Corr & Broker
Jumbo Products JUMBO 2 - Corr & Broker 30 Year Fixed 20230 15 Year Fixed 20215 Rate 30 day 45 day 60 day Rate 30 day 45 day 60 day 4.000 6.384 6.509 6.634 3.500 4.016 4.141 4.266 4.125 4.999 5.124 5.249
JUMBO 2 - Corr & Broker
Programs, Rates, and Pricing also available at westernbancorp.com 1 Yr Libor 2.810 Jumbo Products JUMBO 2 - Corr & Broker 30 Year Fixed 20230 15 Year Fixed 20215 Rate 30 day 45 day 60 day Rate 30 day 45
JUMBO 2 - Corr & Broker
Jumbo Products JUMBO 2 - Corr & Broker 30 Year Fixed 20230 15 Year Fixed 20215 Rate 30 day 45 day 60 day Rate 30 day 45 day 60 day 4.000 4.471 4.596 4.721 3.500 2.840 2.965 3.090 4.125 3.200 3.325 3.450
JUMBO 2 - Corr & Broker
Jumbo Products JUMBO 2 - Corr & Broker 30 Year Fixed 20230 15 Year Fixed 20215 Rate 30 day 45 day 60 day Rate 30 day 45 day 60 day 4.000 3.529 3.654 3.779 3.500 2.713 2.838 2.963 4.125 2.366 2.491 2.616
Portfolio JUMBO ALT DOC PFA 1, PFA 2, PFA 3 Up to 50% LTV w/620 FICO, ALL property types & loan amount up to $2.5 mil
Portfolio JUMBO ALT DOC PFA 1, PFA 2, PFA 3 Up to 50% LTV w/620 FICO, ALL property types & loan amount up to $2.5 mil Up to 55% LTV w/720 FICO / loan amount up to $1.0 mil 1 unit Portfolio JUMBO FULL Doc
Wholesale Rate Sheet
a new lock may be requested at the current market price without incurring the relock fee. 5 Days 0.150% Conventional Fixed Products 30 Year Fixed 20 Year Fixed Rate 30 Day Price 45 Day Price 60 Day Price
HLA Rate Sheet FOR INTERNAL USE ONLY. Conventional Fixed Products. 15 Year Fixed 10 Year Fixed 15 Year Fixed Seconds
Lock desk is open from 9:30am to 4:30am (ET). Rates and prices are considered expired outside that window. PROMOTION 0.25% Yield credit on Conventional Loans $200,000 or greater with credit score of 720+
Fixed Rate = Note Rate 5/1 ARM = start rate plus 2% 7/1 and 10/1 ARM = The greater of the start rate or the fully indexed rate Debt Ratio
Product Description (LP) Conventional Conforming Fixed and ARM High Balance (LP) Program Numbers 30 = 15 yr fixed 31 = 30 yr fixed ARMs are not available for all Series Numbers 32 = 5/1 ARM 33 = 7/1 ARM
NON-QM MATRIX WHOLESALE DIVISION Sky Park Circle, Ste 100, Irvine, CA rev. March 12, FULL DOC. Min.
SILVER NON-QM MATRIX WHOLESALE DIVISION 17802 Sky Park Circle, Ste 100, Irvine, CA 92614 rev. March 12, 2018 www.ec-tpo.com PRODUCT DESCRIPTION Full doc available for Self Employed and W 2 borrowers 24
HLA Rate Sheet FOR INTERNAL USE ONLY. 95% LTV. Extensions 5 Days 0.150% 10 Days 0.200% 15 Days 0.250% 20 Days 0.300% 25 Days 0.350% 30 Days 0.
Lock desk is open from 9:30am to 4:30am (ET). Rates and prices are considered expired outside that window. PROMOTION 0.25% Yield credit on Conventional Fixed Products $200,000 or greater with credit score
Wholesale Rate Sheet
Wholesale Rate Sheet Rates as of Announcements Rate Sheet Index Announcement #1- FNMA (GOLD) DU Version 9.3 update FNMA (Gold) Pg. 2 For applications beginning December 14th and DU 9.3 or greater, Fremont
FNMA Jumbo Conforming Fixed & ARM (HIGH BALANCE LOANS) T300J 30 Year Fixed & T301J 15 Year Fixed A341J 5/1 ARM & A342J 7/1 ARM 30 Year Adjustable
High Balance loan limits (including 2013) are posted on E Fannie Mae website. Link: https://www.efanniemae.com/sf/refmaterials/loanlimits/xls/loanlimref.xls The following link can also be used for specific
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Rate Sheet Date: Rate Sheet Price Code: 3/8/2019 3453 *Effective at 11:00 am EST WHOLESALE BORROWER PAID COMPENSATION RATE SHEET FOR LENDER PAID, BROKER MUST DEDUCT COMPENSATION Liberty Savings Bank Contact
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FNMA / FHLMC - Conforming 30 Yr -FFN3000/FFH3000/FFN3ACE/FFN 30FM 20 Yr - FFN2000 15 Yr - FFN1500/FFH1500 10 Yr - FFN1000 Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day Rate
% % >80% & 95%
Wholesale Division US Bank Home Mortgage Wholesale Pricing Effective: 2/13/18 98.500 98.5 HELP DESK 800-200-5881 Page: 1 of 5 CONVENTIONAL FIXED RATE LOANS 6 30 45 60 75 LOAN SIZE AND STATE ADJUSTMENT
WHOLESALE BORROWER PAID COMPENSATION RATE SHEET. Liberty Savings Bank Contact Information
Rate Sheet Date: Rate Sheet Price Code: *Effective at 11:00 am EST 09/14/2018 3319 WHOLESALE BORROWER PAID COMPENSATION RATE SHEET FOR LENDER PAID, BROKER MUST DEDUCT COMPENSATION Liberty Savings Bank
LoanStream Select Program
19000 MacArthur Boulevard, 2nd Floor Ratesheet Co RS-WS Effective Date: 4/2/2019 #1 Wholesale Rate Sheet Table of Contents Contact list Tab Product LSM Select: All FNMA/FHLCM Corporate Headquarters: Phone:
Lock Desk Hours Monday through Friday 8:30 AM to 5:00 PM P.S.T
Ratesheet Code: RS-WS 19000 MacArthur Boulevard, 2nd Floor Lock Desk Hours Monday through Friday 8:30 AM to 5:00 PM P.S.T LoanStream Mortgage Wholesale Rate Sheet Effective Date: 2/2/2018 8:28 Table of
Lock Desk Hours Monday through Friday 8:30 AM to 5:00 PM P.S.T
Ratesheet Code: RS-WS 19000 MacArthur Boulevard, 2nd Floor Lock Desk Hours Monday through Friday 8:30 AM to 5:00 PM P.S.T LoanStream Mortgage Wholesale Rate Sheet Effective Date: 2/28/2018 8:10 Table of
CONV CONFORMING ARMS Purchase Incentive
Page 1 30/25 YR FRM CONF CF30 / CF25 Conventional Conforming Fixed Rate Mortgages 15 YR FRM CONF 20 YR FRM CONF 10 YR FRM CONF CF15 CF20 CF10 Rate 15 DAY 30 DAY 45 DAY Rate 15 DAY 30 DAY 45 DAY Rate 15
Expanded Prime Matrix
Expanded Prime Matrix Loan Amount FICO Purch. & R/T Purch. & R/T 50% DTI or 24 Mos Bank Stmts Minimum Loan Amount $100,000 $1,000,000 $1,000,001- $1,500,000 Program Max LTVs > $1,500,000 12 Months 720
HIGH BALANCE CONFORMING (DU) See last page for 7-10 Financed Properties OK on DU 100, 300, 500, & 800 Series
HIGH BALANCE CONFORMING (DU) See last page for 7-10 Financed Properties OK on DU 100, 300, 500, & 800 Series 100 Series does not allow s Product Description Conventional Conforming Fixed and High Balance
Conventional Fixed Rate Products
1 March 1, 2018 11:54 AM Turn Times Appraisal Turn Times Fees Index Values Expiration Dates New Submissions 1 day Portland Metro 1.5-2 Weeks UW Fee $995 PRIME 4.500% 15 Day 03/15/18 Re-Submissions 1 day
Conventional Fixed Rate Products
1 March 6, 2018 8:16 AM Turn Times Appraisal Turn Times Fees Index Values Expiration Dates New Submissions 1 day Portland Metro 1.5-2 Weeks UW Fee $995 PRIME 4.500% 15 Day 03/20/18 Re-Submissions 1 day
Conventional Fixed Rate Products
1 April 3, 2018 8:17 AM Turn Times Appraisal Turn Times Fees Index Values Expiration Dates New Submissions 1 day Portland Metro 1.5-2 Weeks UW Fee $995 PRIME 4.750% 15 Day 04/17/18 Re-Submissions 1 day
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Wholesale Rate Sheet
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Mortgage Services III, L.L.C.
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theexpanded Prime Matrix
theexpanded Prime Matrix Program Max LTVs Loan Amount FICO Purch. & R/T Purch. & R/T 50% DTI or 24 Mos Bank Stmts Minimum Loan Amount $100,000 $1,000,000 $1,000,001-,000 720 90% FICO 700 Maximum Loan Amount
Chapter 9 Product Matrix
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First Time Home Buyer not permitted
Just Missed Agency Full Doc Bank Statements Reserves 24 Months 12 Months 24 Months 12 Months Purchase & R/T Cash Out Purchase & R/T Cash Out Purchase & R/T Cash Out Purchase & R/T Cash Out 720+
Mortgage Services III, L.L.C.
Home Office Ph. #: 888-664-9108 Oakbrook Office Ph. #: 630-396-3553 Pricing E-Fax #: 309-807-0717 Web Site: www.msiloans.biz Pricing E-Mail: msipricing@msiloans.biz (Bank & Credit Union Partners Only)
Mortgage Services III, L.L.C.
Home Office Ph. #: 888-664-9108 Oakbrook Office Ph. #: 630-396-3553 Pricing E-Fax #: 309-807-0717 Web Site: www.msiloans.biz Pricing E-Mail: msipricing@msiloans.biz (Bank & Credit Union Partners Only)
FULL DOC. PURPOSE/OCCUPANCY/UNITS LTV CLTV Minimum FICO. Owner Occupied (O/O) 1 unit 80% 80% unit (see MI section below) 95% 95% 700
FULL DOC PURPOSE/OCCUPANCY/UNITS LTV CLTV Minimum FICO PURCHASE Owner Occupied (O/O) 1 unit (see MI section below) 95% 95% 700 1 unit (see MI section below) 97% 97% 720 2 units (see MI section below) 95%
Bayview Loan Servicing Correspondent Division
Bayview Portfolio Products Early Access MAXIMUM ALL IN PRICE 103.50 Early Access 30yr Fixed - PPF300 Early Access 15yr Fixed - PPF150 6.625% 97.625 97.559 97.494 5.750% 97.500 97.471 97.442 6.750% 98.063
Bayview Loan Servicing Correspondent Division
Bayview Portfolio Products Early Access MAXIMUM ALL IN PRICE 103.50 Early Access 30yr Fixed - PPF300 Early Access 15yr Fixed - PPF150 6.250% 97.625 97.582 97.539 5.500% 97.500 97.488 97.477 6.375% 98.063
15 Year Fixed 30 Year Fixed. Rate 30 Days 60 Days Rate 30 Days 60 Days Rate 30 Days 60 Days Rate 30 Days 60 Days
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RATE SHEET # 0.000% 0.750% 0.750% 0.500% 0.250% 0.250% 0.500% 1.250% 1.500% 2.750% 2.750% Not Avail 3.000% Not Available 0.750% 1.000% Not Avail.
Retail - Agency & Sonyma Pricing (Fixed Rate Products) Contact the PricingDesk: Phone: 877-563-7115 Fax: 914-785-1102 RATE SHEET # 55 E-mail: PricingDesk@Emigrant.com Effective Date: Prior Day Rate Change
15 Year Fixed 30 Year Fixed. Rate 30 Days 60 Days Rate 30 Days 60 Days Rate 30 Days 60 Days Rate 30 Days 60 Days
Agency (Fnma/Freddie) Fixed Rate Pricing FULL DOCUMENTATION PRICING Contact the Pricing Desk: 877-563-7115 / PricingDesk@Emigrant.com RATE SHEET # Tuesday Products & Pricing Options Standard Conforming
Wholesale Rate Sheet
Wholesale Rate Sheet Rates as of Announcements Weekly Turn Times - Effective for Aug 1 - Aug 5 Announcement # 1- HomeReady Launched 07-19-16 Cutoff Dates: Last Day For Closing This Month Cutoff Date See
Silvergate Expanded % % % % % % % % % %
Silvergate Expanded Silvergate Bank Correspondent Lending (SCL) Non- QM 5/1, 7/1 ARM And Fixed Rate Product Matrix Date 5/10/2018 Loans meeting the parameters outlined in this guideline matrix must be
70** 65** 70** N/A 70** N/A
ICON ELITE Reserves 24 Months 12 Months 24 Months 12 Months FICO Loan Amount Purchase & R/T Cash Out Purchase & R/T Cash Out Purchase & R/T Cash Out Purchase & R/T Cash Out
Conforming Loans as of October 24, 2007
Conforming Loans Fixed Rate, Fixed Period ARMs, and Standard ARMs (Full/Alt Documentation) (Standard Amortization) Cash Out Refinances Occupancy 1 1 1 1 1 1 1-Unit Properties 95/95% 95/95% 85/85% 2-Unit
Expanded-Prime Matrix
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Full Doc. 24 Months 12 Months
Leverage Prime Primary Residence FICO Loan Amount 720+ 2,000,001-2,500,000 2,500,001-3,000,000 6-719 2,000,001-2,500,000 2,500,001-3,000,000 660-679 Full Doc 24 Months 12 Months Purch / RT Refi Cash Out
4/18/ Day lock expiration:
Page 1 of 9 Phone: 714-689-9757 Fax: 866-326-5236 Toll Free: 866-264-6700 Branch Contact Information www.sierrapacificmortgage.com/wholesale Regional Manager: Angela Sykes Operations Manager: Liz Saucedo
ALPINE. Full Doc 24 months. Bank Statements 24 months FICO
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Purchase Special:.250 Price Improvement on 30day Locks*
Rev 3.1 RS ID: 7:21 AM Zone 2 AZ, CO, DC, FL, GA, ID, IL, IN, KY, LA, MA, MD, MI, MO, NC, MN, MT, ND, NH, NJ, OH, OK, PA, SC, TN, TX, Extensions Fee Buyout Option 3-Day 0.063 14-Day 0.250 $50
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Wholesale Rate Sheet Rates as of Announcements - Weekly Turn Times - Effective for Dec 10- Dec 14 Portfolio 5/1 & 7/1 - reduced base rates 1/8th Cutoff Dates: Last Day For Closing This Month Cutoff Date
Wholesale Rate Sheet
Wholesale Rate Sheet Rates as of Announcements - Weekly Turn Times - Effective for June 12- June 16 Important change to lock extension policy: Effective June 12th Cutoff Dates: Last Day For Closing This
New York Wholesale Rate Sheet
Effective Fri 01/25/2019 9:44 AM EST HomeReady: 3% down pmnt can come entirely from a gift Home Possible Advantage: Purch & refi loans up to 97% for SFR only. Home Possible: For 1-4 unit properties up
California Wholesale Rate Sheet
Effective Fri 01/25/2019 9:44 AM EST California Wholesale Rate Sheet Jumbo Series H is Here! - See page 15 for details. Rate Fall-Out Specials on SmartEdge, SmartCondo & Dream Big! Smart Funds - See page
Wholesale Rate Sheet
Wholesale Rate Sheet Rates as of In observance of the Columbus Day holiday, the Lock Desk will be closed on Monday, October 9th Announcements - Weekly Turn Times - Effective for Oct 2- Oct 6 Pricing Improvement:
Wholesale Rate Sheet
Wholesale Rate Sheet Rates as of In observance of the Columbus Day holiday, the Lock Desk will be closed on Monday, October 9th Announcements - Weekly Turn Times - Effective for Oct 2- Oct 6 Pricing Improvement:
Southwest Wholesale Rate Sheet
Effective Tue 01/22/2019 9:43 AM EST HomeReady: 3% down pmnt can come entirely from a gift Home Possible Advantage: Purch & refi loans up to 97% for SFR only. Home Possible: For 1-4 unit properties up
Fannie Mae High Balance Matrix
Revision: July 16, 2016 (Product Information Center, 949-390-2684, www.jmaclending.com Finance Type Purchas and Rate/Term Refinances Cash Out Refinances Occupancy Owner Occupied Owner Occupied Term Property
First Time Home Buyer not permitted. Purchase, R/T, and Debt Consol Only
Just Missed Agency Reserves 24 Months 12 Months 24 Months 12 Months Purchase & R/T Purchase & R/T Purchase & R/T Purchase & R/T 720+
Portfolio Libor Arms Guidelines
Portfolio Libor Arms Guidelines Effective Date: 02/21/2017 Loans meeting the parameters outlined in this guideline matrix must be consistent with the Dodd Frank Wall Street Reform and Consumer Protection
Wholesale Rate Sheet
Wholesale Rate Sheet Rates as of Announcements - Weekly Turn Times - Effective for Oct 29 - Nov 2 Purchase Specials - Oct 1st - Oct 31st Cutoff Dates: Last Day For Closing This Month Cutoff Date We are
Core Seconds S Year Fixed S Year Fixed
TABLE OF CONTENTS PRODUCT DESCRIPTION Page # Product Description 3 ELIGIBILITY Occupancy 3 Underwriting Methods 3 Documentation Requirements 3 Transaction Types 3 Eligible Property Types, Ineligible Property
Wholesale Rate Sheet
Wholesale Rate Sheet Rates as of Announcements - Weekly Turn Times - Effective for Jan 29- Feb 2 New Pricing Special - 25bps! Cutoff Dates: Last Day For Closing This Month Cutoff Date Effective with all
CONFORMING HIGH BALANCE FIXED PROGRAM HIGHLIGHTS
Program Summary A Conforming High Balance Conventional loan with increased loan size limits, featuring a 30-year and 15-year fixed interest rate for the term of the loan. Loan Term & Program Category Loan
Associated Adjustable Rate Mortgage Programs TPO Originations
1. Product Description Associated Mortgage Portfolio Programs allows Associated to offer customized underwriting solutions based on the borrower s individual Credit with Associated Bank and other lenders;
Wholesale Rate Sheet
Wholesale Rate Sheet Rates as of Announcements - Weekly Turn Times - Effective for Dec 17- Dec 21 Portfolio 5/1 & 7/1 - reduced base rates 1/8th Cutoff Dates: Last Day For Closing This Month Cutoff Date
National Wholesale Rate Sheet
Effective Fri 03/15/2019 9:36 AM EST AL, AR, DC, DE, IA, IN, KS, KY, LA, MI, MN, MO, MS, NC, ND, NE, OH, OK, SC, SD, TN, WI, WV Check out our Smart Series Pricing Specials! SmartEdge, SmartEdge+, and SmartCondo
Wholesale Rate Sheet
Wholesale Rate Sheet Rates as of Announcements - Weekly Turn Times - Effective for Dec 3- Dec 7 Portfolio 5/1 & 7/1 - reduced base rates 1/8th Cutoff Dates: Last Day For Closing This Month Cutoff Date
CONFORMING LIBOR ARMS PROGRAM HIGHLIGHTS
Program Summary Loan Term & Program Category A 30 year conforming conventional LIBOR ARM that is fixed for the initial 3, 5, or 7 years then rolls into a one year ARM for the remainder of the loan term.
Wholesale Rate Sheet
Wholesale Rate Sheet Rates as of Announcements - Weekly Turn Times - Effective for Dec 17- Dec 21 Portfolio 5/1 & 7/1 - reduced base rates 1/8th Cutoff Dates: Last Day For Closing This Month Cutoff Date
Non Conforming JUMBO Programs
Non Conforming JUMBO Programs Select QM Eligibility Matrix Fixed Rate and Hybrid ARM Products Primary Residence Purchase, Rate and Term Transaction Type Units FICO LTV/CLTV/HCLTV Loan Amount 1 760 85%
Wholesale Rate Sheet
Wholesale Rate Sheet Rates as of Announcements - Weekly Turn Times - Effective for Aug 28- Sept 1 Pricing Improvement: Conforming 30 Yr Fixed Loans Cutoff Dates: Last Day For Closing This Month Cutoff
Wholesale Rate Sheet
Wholesale Rate Sheet Rates as of In observance of New Years Eve, the Lock Desk will close today at 12:00PM and closed all day tomorrow, January 1st. Announcements - Weekly Turn Times - Effective for Dec
Wholesale Rate Sheet
Wholesale Rate Sheet Rates as of Announcements - Weekly Turn Times - Effective for Jan 7 - Jan 11 Portfolio 5/1 - reduced base rates 1/8th on Jan 3rd Cutoff Dates: Last Day For Closing This Month Cutoff
Wholesale Rate Sheet
Wholesale Rate Sheet Rates as of Announcements - Weekly Turn Times - Effective for Dec 24- Dec 28 Portfolio 5/1 & 7/1 - reduced base rates 1/8th Cutoff Dates: Last Day For Closing This Month Cutoff Date
MPF Direct. Product Overview. FHLB Des Moines. April 18 th, 2018
MPF Direct Product Overview FHLB Des Moines April 18 th, 2018 About this Material These training materials and accompanying training dialogue are not intended as legal, tax or compliance advice. This material
Wholesale Rate Sheet
Wholesale Rate Sheet Rates as of Announcements - Weekly Turn Times - Effective for Oct 23- Oct 27 Pricing Improvement: Portfolio 5/1 ARMs Cutoff Dates: Last Day For Closing This Month Cutoff Date We reduced
Wholesale Rate Sheet
Wholesale Rate Sheet Rates as of Announcements - Weekly Turn Times - Effective for Jan 14 - Jan 18 Effective Jan 14 - Feb 28th for new port ARM locks Cutoff Dates: Last Day For Closing This Month Cutoff
Max LTV/CLTV FICO 1 Unit 95/95% /90% 620 Purchase 85/85% 620 Refi 75/75% 2 Units Purchase & Refi- 85/85% 620 N/A N/A 75/75% 620
Revision: October 25, 2016 (Product Information Center, 949-390-2670, www.jmaclending.com) Fixed Rate (Purchase & Rate/Term Refinances) Fannie Mae DU Products: CF30, CF20, CF15, CF10 Occupancy Owner Occupied
STATED INCOME PROGRAM
Fully Amortized 7/1 Portfolio ARM Product Mix Primary Residence, Second Home and Investment Property Purchase, Rate & Term Refinance and Cash-Out Refinance STATED INCOME PROGRAM Rate Guide as of 5/23/2018
JUMBO A PROGRAM GUIDE
TABLE OF CONTENTS 1 OVERVIEW... 3 2 UNDERWRITING CRITERIA... 3 3 PRODUCT ELIGIBILITY... 4 3.1 AVAILABLE PRODUCTS... 4 3.2 ADJUSTABLE RATE CRITERIA... 4 4 PRODUCT MATRIX... 5 4.1 GEOGRAPHY... 5 4.2 MINIMUM