Pennsylvania Wholesale Rate Sheet

Transcription

1 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 to 95%. Pennsylvania Wholesale Rate Sheet Jumbo Series H is Here! - See page 16 for details. Rate Fall-Out Specials on SmartEdge, SmartCondo & Dream Big! Smart Funds Is Here! See Page 3 For Details! PRODUCT HIGHLIGHTS AGENCY GOVERNMENT JUMBO SERIES VA: 100% financing with minimum 600 FICO FHA: 3.5% down with minimum 580 FICO USDA: 100% financing with minimum 640 FICO 85% up to $1.5M and no MI with pristine credit 90% at 680 FICO for loan amounts to $850,000 (MI required) Please Note: Rate Sheets are provided for pricing purposes only and do not necessarily reflect product eligibility or availability. Please refer to the Product Guidelines located in the NewRez Lending Library in order to determine product eligibility and/or availability for a given loan scenario. TABLE OF CONTENTS Page 2 Page 3 Page 4 Page 5 Page 6 Page 7 Page 8 Page 9 Page 10 Page 11 Page 12 Page 13 Page 14 Page 15 Page 16 Page 17 Page 18 Page 19 HELOC Piggyback SmartSeries - New Smart Funds Included! FHA, VA, & USDA - Fixed, ARM, and Jumbo Fannie Mae - Fixed Conforming and High Balance Products Freddie Mac - Fixed Conforming and Super Conforming Products Fannie Mae - HomeReady Fixed and ARM Products Fannie Mae - HomeReady High Balance Fixed and ARM Products Freddie Mac - Home Possible Fixed and ARM Products Fannie Mae - ARM Conforming and High Balance Products Freddie Mac - ARM Conforming and Super Conforming Products High Balance Extra New Penn Jumbo Series C New Penn Jumbo Series D New Penn Jumbo Series F New Penn Jumbo Series H New Penn Jumbo Series I New Penn Jumbo Series J - QM Dream Big Jumbo Rate Today's Price Pricing Change **Market movement is a result of 30-day current pricing Rate Today's Price Pricing Change Conventional 30yr Fixed compared to the most recent rate sheet released.** Jumbo H 30 Yr Fixed (4.543) Bracketed Pricing Changes and green arrows indicate improved pricing (3.952) (3.999) Rate Today's Price Pricing Change (3.577) Conventional 15yr Fixed FHA 30yr Fixed Smart Edge 5/1 ARM (4.548) (4.453) (1.569) (4.187) (4.060) (1.319) Conforming 5-1 ARM (2-2-5) VA 30yr Fixed Smart Self 5/1 ARM (1.704) (3.355) (0.726) (1.385) (2.922) (0.476) Hours: Price release 6:59 AM EST on the following business day Pricing on-line: In order to lock prior to loan submission, 3.2 file must be uploaded via our website, In order to remian locked, a full file must be submitted within 10 days for a 30-day lock, 15 days for a 45-day lock, or 20 days for a 60-day lock or greater. Lock Extension Info Expiration Dates Relock Policy 1st-3rd Extension - 2 bps/day 7 Day Extension 2/1/2019 Pricing is based on worst case pricing: current market vs locked less a relock fee. 4th Extension or more - 4 bps/day 15 Day Lock/Extension 2/11/ Day Cost < 3 Prior Ext Prior Ext Extended loans cannot expire on a weekend 30 Day Lock/Extension 2/25/ Day Cost < 3 Prior Ext Prior Ext or holiday. 45 Day Lock/Extension 3/11/ Day Cost < 3 Prior Ext Prior Ext Max number of days to extend is 45 days 60 Day Lock 3/26/2019 If the market has improved by more than 50 bps and the loan is closing within 15 days, the per request. 90 Day Lock 4/25/2019 relock fee will be waived on 15 day relocks only. (Other restrictions may apply.) Fee Info Agency Loan Limits Lender Fees - Conforming & Government $955 1 Unit $484,350 Lender Fees - Jumbo & High Balance Extra $995 2 Unit $620,200 Lender Fees - FHA Streamline & VA IRRRL $495 3 Unit $749,650 Lender Fees - SmartSeries Non-QM $1,295 4 Unit $931,600 Desk Review - LA $1MM-$1.5MM $200 Desk Review - Transferred Appraisal $200 Risk Report - Transferred Appraisal $25 Flood Fee (excluded from No Lender Fee Calculation) $6 Tax Service Fee (excluded from No Lender Fee Calculation) $80 **Lender fees must be included in block one of the initial LE. MARKET MOVEMENTS LOCK POLICIES GENERAL INFORMATION Mortgagee Clause (Wholesale) NewRez LLC ISAOA ATIMA 4000 Chemical Road, Suite 200 Plymouth Meeting, PA Portfolio State Adjustment Groups Portfolio state adjustments no longer apply on the Pennsylvania Wholesale Rate Sheet CORPORATE CONTACTS NewRez (866) Fax (484) Website Lock Desk * Rates are subject to change without notice **Additional products, not on the rate sheet, are available through the portal. Contact your Relationship Manager for more details. Page 1 GoNewRez@NewRez.com NewRezWholesale.com LockRequest@NewRez.com

2 HELOC as of 1/25/2019 9:44 AM Rate Grid C 70.00% % % % % - Index = Prime Rate Today's Index 5.500% Credit Interest Rate Cap 2% each year Score Rate Floor 3.950% Additional Information All available lock terms (15, 30, 45, and 60 day) are priced at par. - Rate Ceiling All states except CO: % CO: % - Origination Fee: $ Margin Grid - Annual Fee: $ Waived for First Year C 70.00% % % % % - 30 Year Term. 10 year Interest Only period with 20 year repayment term. Interest Only payments during the draw period. Credit The rate may increase or decrease as of the first day of each Billing Cycle Score Not available in TX, AK, LA, HI. Pricing may vary in TN.

3 + Smart Edge 5/1 Smart Edge Plus 5/1 Smart Condo 5/1 Full Doc Smart Series powered by NewRez Smart Self 5/1 Smart Self Plus 5/1 Smart Trac 5/1 Smart Funds 5/1 Full Doc Bank Statements/Asset Qualifier Pricing Effective: 1/25/ :44 AM Smart Vest 5/1 Cash-Flow 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 Rate 15 Day 30 Day 45 Day 60 Day (2.194) (2.069) (1.944) (1.819) (1.351) (1.226) (1.101) (0.976) (1.533) (1.408) (1.283) (1.158) (1.573) (1.448) (1.323) (1.198) (1.944) (1.819) (1.694) (1.569) (1.101) (0.976) (0.851) (0.726) (1.283) (1.158) (1.033) (0.908) (1.323) (1.198) (1.073) (0.948) (1.694) (1.569) (1.444) (1.319) (0.851) (0.726) (0.601) (0.476) (1.033) (0.908) (0.783) (0.658) (1.073) (0.948) (0.823) (0.698) (1.444) (1.319) (1.194) (1.069) (0.601) (0.476) (0.351) (0.226) (0.783) (0.658) (0.533) (0.408) (0.823) (0.698) (0.573) (0.448) (1.194) (1.069) (0.944) (0.819) (0.351) (0.226) (0.101) (0.533) (0.408) (0.283) (0.158) (0.573) (0.448) (0.323) (0.198) (0.944) (0.819) (0.694) (0.569) (0.101) (0.283) (0.158) (0.033) (0.323) (0.198) (0.073) (0.694) (0.569) (0.444) (0.319) (0.033) (0.073) (0.444) (0.319) (0.194) (0.069) (0.194) (0.069) FICO/ Rate Adjustments Higher of /C -> <= Applicable to SmartEdge & SmartSelf (with >4 year Derogatory Credit Event), SmartCondo, SmartFunds >= NA NA NA NA Applicable to SmartVest, SmartTrac, SmartEdge Plus, & SmartSelf Plus (Plus = 2-4 year Derogatory Credit Event) >= NA NA NA NA Other Rate Adjustments - ALL Products Higher of /C -> <= Year /1 ARM /1 ARM Interest Only DTI Edge & Condo DTI Self & Trac NOO Property* NA 2-4 Units Cash Out Refinance NA Non-Warrantable Condos Second Home NA Ln Amt >=100k and <300k Other Rate Adjustments - Smart Vest Prepayment not permitted in MN, NJ & NM - Must select No Prepay in these states No Prepay Yr Prepay Other Rate Adjustments- Smart Funds Asset Qualifier Adjustments to Price - All Products Escrow Waiver *Does not apply to SmartVest product. Max Price ARM 7/1&10/1 ARM Index 5/1 Caps Margin Caps Lender Fee Smart Edge/Edge Plus/Condo (1.50) Yr LIBOR 2/2/5 5/2/5 $1, Smart Self/Self Plus/Funds (1.50) Yr LIBOR 2/2/5 5/2/5 $1, Smart Trac (1.50) Yr LIBOR 2/2/5 5/2/5 $1,295 *Adjustment to Price Smart Vest (1.50) Yr LIBOR 2/2/5 5/2/5 $1,295 *Adjustment to Price Rate Fall-Out Pricing Loan Amount Special* Specials* Smart Edge, Edge Plus & Condo * $1.5-$2MM > $2MM

4 as of 1/25/2019 9:44 AM FHA 30 Yr Fixed VA 30 Yr Fixed USDA 30 Yr Fixed (5.203) (5.015) (4.936) (4.758) (4.908) (4.720) (4.641) (4.463) (4.243) (4.055) (3.976) (3.798) (4.845) (4.657) (4.579) (4.401) (4.550) (4.362) (4.284) (4.106) (3.885) (3.697) (3.619) (3.441) (4.470) (4.281) (4.203) (4.025) (4.175) (3.986) (3.908) (3.730) (3.510) (3.321) (3.243) (3.065) (4.074) (3.886) (3.808) (3.630) (3.779) (3.591) (3.513) (3.335) (3.114) (2.926) (2.848) (2.670) (4.598) (4.453) (4.418) (4.284) (4.303) (4.158) (4.123) (3.989) (3.638) (3.493) (3.458) (3.324) (4.205) (4.060) (4.025) (3.891) (3.910) (3.765) (3.730) (3.596) (3.245) (3.100) (3.065) (2.931) (3.791) (3.646) (3.612) (3.477) (3.496) (3.351) (3.317) (3.182) (2.831) (2.686) (2.652) (2.517) (3.355) (3.210) (3.176) (3.041) (3.060) (2.915) (2.881) (2.746) (2.395) (2.250) (2.216) (2.081) (3.795) (3.650) (3.616) (3.481) (3.500) (3.355) (3.321) (3.186) (2.835) (2.690) (2.656) (2.521) (3.362) (3.217) (3.183) (3.048) (3.067) (2.922) (2.888) (2.753) (2.402) (2.257) (2.223) (2.088) (2.882) (2.737) (2.702) (2.567) (2.587) (2.442) (2.407) (2.272) (1.922) (1.777) (1.742) (1.607) (2.398) (2.254) (2.219) (2.084) (2.103) (1.959) (1.924) (1.789) (1.438) (1.294) (1.259) (1.124) (2.153) (2.026) (2.008) (1.891) (1.858) (1.731) (1.713) (1.596) (1.193) (1.066) (1.048) (0.931) (1.667) (1.540) (1.523) (1.405) (1.372) (1.245) (1.228) (1.110) (0.707) (0.580) (0.563) (0.445) (1.182) (1.055) (1.038) (0.920) (0.887) (0.760) (0.743) (0.625) (0.222) (0.095) (0.078) (0.698) (0.570) (0.553) (0.435) (0.403) (0.275) (0.258) (0.140) (0.213) (0.086) (0.068) FHA 15 Yr Fixed VA 15 Yr Fixed FHA High Balance 30 Yr Fixed (1.709) (1.565) (1.532) (1.398) (1.344) (1.200) (1.167) (1.033) (3.208) (3.020) (2.941) (2.763) (1.454) (1.311) (1.277) (1.144) (1.089) (0.946) (0.912) (0.779) (2.850) (2.662) (2.584) (2.406) (1.195) (1.052) (1.018) (0.885) (0.830) (0.687) (0.653) (0.520) (2.475) (2.286) (2.208) (2.030) (0.898) (0.755) (0.721) (0.588) (0.533) (0.390) (0.356) (0.223) (2.079) (1.891) (1.813) (1.635) (0.595) (0.452) (0.418) (0.285) (0.230) (0.087) (0.053) (3.290) (3.145) (3.111) (2.976) (2.897) (2.753) (2.718) (2.583) (2.484) (2.339) (2.304) (2.169) (2.048) (1.903) (1.868) (1.733) (2.675) (2.530) (2.496) (2.361) (2.242) (2.097) (2.063) (1.928) (1.762) (1.617) (1.582) (1.447) (1.278) (1.134) (1.099) (0.964) (1.158) (1.031) (1.013) (0.896) (0.672) (0.545) (0.528) (0.410) (0.187) (0.060) (0.043) VA High Balance 30 Yr Fixed FHA 5-1 ARM (1-1-5 Caps) VA 5-1 ARM (1-1-5 Caps) (3.063) (2.875) (2.796) (2.618) (0.303) (0.073) (0.053) (2.705) (2.517) (2.439) (2.261) (0.129) (2.330) (2.141) (2.063) (1.885) (1.934) (1.746) (1.668) (1.490) (3.145) (3.000) (2.966) (2.831) (2.752) (2.608) (2.573) (2.438) (2.339) (2.194) (2.159) (2.024) (1.903) (1.758) (1.723) (1.588) (2.530) (2.385) (2.351) (2.216) (2.097) (1.952) (1.918) (1.783) (1.617) (1.472) (1.437) (1.302) (1.133) (0.989) (0.954) (0.819) (1.013) (0.886) (0.868) (0.751) (0.527) (0.400) (0.383) (0.265) (0.042) FHA 5-1 ARM High Balance (1-1-5 Caps) VA 5-1 ARM High Balance (1-1-5 Caps) 15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day (0.183) (0.038) (0.009) Credit Score Government Products Loan Level Price Adjustments < , 45 & 60 Day Lock Purchase Special (0.375) FHA Refinances FHA/VA ARM < Day Lock (FRM & Purch Only) VA Cashout > (0.125) VA - Refinance Credit Score (0.500) VA - All Loan Purposes - Credit Score < (0.500) VA - IRRRL - Investment Property (0.625) Manufactured Home (FHA Only) Loan Size Adjustments Loan Size Adjustments for VA BPC Loans (In addition to standard adjustments) Loan Amount <$50,000 $50,000 - $99,999 $100,000 - $199,999 $200,000 - $299,999 $300,000 - Conforming Limit High Balance < $100,000 $100,000-$199,999 $200,000-$299,999 $300,000-$399,999 $400,000 Purchase Refinance (0.375) (0.375) (0.375) (0.375) High Balance - 15 Yr Term (Adjusting 15 Yr Conforming Pricing - FHA/VA ONLY Margin on all Government ARMs Fixed Max YSP ARM % Govt Special VA IRRRL/FHA Streamline ONLY (0.150) *Some adjustment details may not appear when pricing through the portal, however the final price will match the rate sheet. *FHA Lender ID: *VA Lender ID: Page 4

5 as of 1/25/2019 9:44 AM Fannie Mae - Conforming Fixed Rate Products Fannie Mae 30yr Fixed Fannie Mae 25yr Fixed Fannie Mae 20yr Fixed (7.139) (6.901) (6.854) (6.753) (6.240) (6.038) (6.001) (5.897) (5.958) (5.756) (5.714) (5.607) (7.045) (6.843) (6.780) (6.621) (6.140) (5.955) (5.880) (5.765) (5.675) (5.473) (5.395) (5.220) (6.776) (6.574) (6.511) (6.353) (5.914) (5.712) (5.649) (5.490) (5.394) (5.217) (5.157) (4.999) (6.240) (6.038) (6.001) (5.897) (5.579) (5.402) (5.357) (5.215) (5.229) (5.052) (4.992) (4.834) (6.158) (5.973) (5.897) (5.765) (5.311) (5.127) (5.123) (5.052) (5.009) (4.832) (4.772) (4.614) (5.914) (5.712) (5.649) (5.490) (5.059) (4.875) (4.865) (4.786) (4.811) (4.634) (4.575) (4.416) (5.579) (5.402) (5.357) (5.215) (4.727) (4.543) (4.532) (4.448) (4.355) (4.178) (4.119) (3.960) (5.311) (5.127) (5.123) (5.052) (4.168) (3.999) (3.955) (3.850) (4.208) (4.056) (4.014) (3.872) (5.059) (4.875) (4.865) (4.786) (4.031) (3.865) (3.868) (3.779) (4.039) (3.887) (3.846) (3.704) (4.727) (4.543) (4.532) (4.448) (3.755) (3.589) (3.599) (3.506) (3.626) (3.474) (3.432) (3.290) (4.168) (3.999) (3.955) (3.850) (3.220) (3.054) (3.041) (2.939) (3.178) (3.026) (2.984) (2.842) (4.031) (3.865) (3.868) (3.779) (2.644) (2.478) (2.452) (2.343) (2.613) (2.469) (2.444) (2.319) (3.949) (3.797) (3.755) (3.613) (2.220) (2.071) (2.058) (1.966) (2.259) (2.124) (2.098) (1.973) (3.755) (3.589) (3.599) (3.506) (1.724) (1.576) (1.559) (1.458) (1.830) (1.695) (1.670) (1.545) (3.403) (3.251) (3.209) (3.067) (1.203) (1.068) (1.043) (0.918) (1.294) (1.159) (1.134) (1.008) (3.220) (3.054) (3.041) (2.939) (0.569) (0.434) (0.409) (0.284) (0.704) (0.568) (0.543) (0.418) (2.892) (2.740) (2.698) (2.556) (0.011) (0.045) (2.644) (2.478) (2.452) (2.343) (2.366) (2.231) (2.206) (2.081) (2.220) (2.071) (2.058) (1.966) (2.041) (1.906) (1.881) (1.756) (1.734) (1.599) (1.573) (1.458) (1.553) (1.418) (1.393) (1.268) (1.212) (1.077) (1.052) (0.927) (0.560) (0.425) (0.400) (0.275) (0.011) Fannie Mae 15yr Fixed Fannie Mae 10yr Fixed Fannie Mae 30yr High Balance (3.410) (3.206) (3.170) (2.973) (3.180) (2.976) (2.940) (2.743) (4.376) (4.191) (4.116) (3.940) (3.022) (2.818) (2.780) (2.578) (2.792) (2.588) (2.550) (2.348) (3.921) (3.736) (3.660) (3.485) (4.435) (4.251) (4.195) (4.023) (4.205) (4.021) (3.965) (3.793) (4.178) (4.026) (3.984) (3.842) (4.238) (4.054) (4.000) (3.825) (4.008) (3.824) (3.770) (3.595) (4.065) (3.913) (3.871) (3.729) (4.716) (4.548) (4.489) (4.331) (3.957) (3.789) (3.730) (3.572) (3.748) (3.596) (3.554) (3.413) (4.355) (4.187) (4.128) (3.969) (3.711) (3.543) (3.484) (3.325) (3.279) (3.127) (3.085) (2.943) (4.002) (3.833) (3.774) (3.616) (3.633) (3.467) (3.397) (3.242) (3.091) (2.940) (2.898) (2.756) (3.639) (3.471) (3.412) (3.254) (3.486) (3.321) (3.247) (3.094) (2.933) (2.781) (2.739) (2.598) (3.896) (3.752) (3.719) (3.585) (3.057) (2.914) (2.880) (2.747) (2.561) (2.409) (2.367) (2.225) (3.399) (3.255) (3.222) (3.088) (2.880) (2.736) (2.703) (2.569) (2.044) (1.892) (1.850) (1.708) (3.028) (2.885) (2.851) (2.718) (2.958) (2.810) (2.764) (2.631) (1.451) (1.300) (1.258) (1.116) (2.647) (2.503) (2.470) (2.336) (2.579) (2.432) (2.382) (2.247) (1.194) (1.059) (1.033) (0.908) (2.311) (2.167) (2.134) (2.000) (2.241) (2.094) (2.037) (1.902) (0.775) (0.640) (0.615) (0.490) (1.863) (1.719) (1.686) (1.552) (1.828) (1.685) (1.651) (1.518) (0.216) (0.081) (0.056) (1.394) (1.250) (1.217) (1.083) (1.535) (1.392) (1.358) (1.225) (0.935) (0.808) (0.791) (0.675) (1.230) (1.086) (1.053) (0.919) (0.553) (0.426) (0.410) (0.293) (0.449) (0.319) (0.292) (0.174) (0.065) (0.086) Fannie Mae 25yr High Balance Fannie Mae 20yr High Balance Fannie Mae 15yr High Balance (4.451) (4.266) (4.191) (4.015) (3.946) (3.841) (3.766) (3.590) (3.996) (3.811) (3.735) (3.560) (3.491) (3.386) (3.310) (3.135) (4.253) (4.101) (4.059) (3.917) (3.562) (3.490) (3.448) (3.306) (4.140) (3.988) (3.946) (3.804) (3.582) (3.510) (3.468) (3.326) (1.994) (1.851) (1.817) (1.684) (3.823) (3.671) (3.629) (3.488) (3.318) (3.246) (3.204) (3.063) (1.741) (1.597) (1.564) (1.431) (3.354) (3.202) (3.160) (3.018) (2.849) (2.777) (2.735) (2.593) (1.410) (1.267) (1.233) (1.100) (3.166) (3.015) (2.973) (2.831) (2.476) (2.404) (2.362) (2.220) (1.068) (0.925) (0.891) (0.758) (3.008) (2.856) (2.814) (2.673) (2.450) (2.378) (2.336) (2.194) (0.833) (0.706) (0.689) (0.572) (2.636) (2.484) (2.442) (2.300) (2.131) (2.059) (2.017) (1.875) (0.572) (0.445) (0.428) (0.312) (2.119) (1.967) (1.925) (1.783) (1.614) (1.542) (1.500) (1.358) (0.203) (0.076) (0.059) (1.526) (1.375) (1.333) (1.191) (1.021) (0.950) (0.908) (0.766) (1.269) (1.134) (1.108) (0.983) (0.711) (0.655) (0.630) (0.505) (0.850) (0.715) (0.690) (0.565) (0.345) (0.290) (0.265) (0.140) (0.291) (0.156) (0.131) (0.006) Fannie Mae 10yr High Balance 15 Day 30 Day 45 Day 60 Day (1.461) (1.318) (1.284) (1.151) (1.097) (0.953) (0.920) (0.787) (0.887) (0.744) (0.710) (0.577) (0.654) (0.511) (0.477) (0.344) (0.476) (0.332) (0.299) (0.165) (0.151) (0.007) Loan Level Price Adjustments All Fixed Conforming (does not apply to terms 15yrs) < NA NA NA NA NA NA NA NA Lender Paid MI Adj. Cash-Out Premium Subordinate Financing Excludes Community Seconds Misc Non Owner Occupied 60 NA NA NA < Rate & Term Refi NA Manufactured Home NA NA NA nd Home NA Unit NA Non Owner Occupied NA Yr Term > 20 Yr Term 85 NA NA NA NA NA NA NA NA C < Loan Amount Purchase Refinance <$50, $50,000 - $99, $100,000 - $149, Loan Size $150,000 - $199, $200,000 - $249,999 ALL ALL $250,000 - $299, Units $300,000 - Conforming Limit Manufactured Home High Balance Attached Condo > 75 (>15yr Term) Escrow Waiver (Full or Taxes Only) Escrow Waiver (Insurance Only) <= Low to Moderate Income** (0.500) > , 45 & 60 Day Lock Purchase (0.250) *Some adjustment details may not appear when pricing through the portal, however the final price will match the rate sheet. **Applies to 30 Yr Fixed Product for first time home buyers in all counties for the month of April. Applies to new locks after 4/1/18 only. Income Restrictions apply. Page 5 90 Day Lock (FRM & Purch Only) High Balance Adjustments Purch - R/T Refi. C/O Refi. Max YSP

6 as of 1/25/2019 9:44 AM Freddie Mac - Conforming Fixed Rate Products Freddie Mac 30yr Fixed Freddie Mac 25yr Fixed Freddie Mac 20yr Fixed (7.139) (6.901) (6.854) (6.753) (6.240) (6.038) (6.001) (5.897) (5.958) (5.756) (5.714) (5.607) (7.045) (6.843) (6.780) (6.621) (6.140) (5.955) (5.880) (5.765) (5.675) (5.473) (5.395) (5.220) (6.776) (6.574) (6.511) (6.353) (5.914) (5.712) (5.649) (5.490) (5.394) (5.217) (5.157) (4.999) (6.240) (6.038) (6.001) (5.897) (5.579) (5.402) (5.357) (5.215) (5.229) (5.052) (4.992) (4.834) (6.158) (5.973) (5.897) (5.765) (5.311) (5.127) (5.123) (5.052) (5.009) (4.832) (4.772) (4.614) (5.914) (5.712) (5.649) (5.490) (5.059) (4.875) (4.865) (4.786) (4.811) (4.634) (4.575) (4.416) (5.579) (5.402) (5.357) (5.215) (4.727) (4.543) (4.532) (4.448) (4.355) (4.178) (4.119) (3.960) (5.311) (5.127) (5.123) (5.052) (4.168) (3.999) (3.955) (3.850) (4.208) (4.056) (4.014) (3.872) (5.059) (4.875) (4.865) (4.786) (4.031) (3.865) (3.868) (3.779) (4.039) (3.887) (3.846) (3.704) (4.727) (4.543) (4.532) (4.448) (3.755) (3.589) (3.599) (3.506) (3.626) (3.474) (3.432) (3.290) (4.168) (3.999) (3.955) (3.850) (3.220) (3.054) (3.041) (2.939) (3.178) (3.026) (2.984) (2.842) (4.031) (3.865) (3.868) (3.779) (2.644) (2.478) (2.452) (2.343) (2.613) (2.469) (2.444) (2.319) (3.949) (3.797) (3.755) (3.613) (2.220) (2.071) (2.058) (1.966) (2.259) (2.124) (2.098) (1.973) (3.755) (3.589) (3.599) (3.506) (1.724) (1.576) (1.559) (1.458) (1.830) (1.695) (1.670) (1.545) (3.403) (3.251) (3.209) (3.067) (1.203) (1.068) (1.043) (0.918) (1.294) (1.159) (1.134) (1.008) (3.220) (3.054) (3.041) (2.939) (0.569) (0.434) (0.409) (0.284) (0.704) (0.568) (0.543) (0.418) (2.892) (2.740) (2.698) (2.556) (0.011) (0.045) (2.644) (2.478) (2.452) (2.343) (2.366) (2.231) (2.206) (2.081) (2.220) (2.071) (2.058) (1.966) (2.041) (1.906) (1.881) (1.756) (1.734) (1.599) (1.573) (1.458) (1.553) (1.418) (1.393) (1.268) (1.212) (1.077) (1.052) (0.927) (0.560) (0.425) (0.400) (0.275) (0.011) Freddie Mac 15yr Fixed Freddie Mac 10yr Fixed Freddie Mac 30yr Super Conforming (3.410) (3.206) (3.170) (2.973) (3.180) (2.976) (2.940) (2.743) (4.376) (4.191) (4.116) (3.940) (3.022) (2.818) (2.780) (2.578) (2.792) (2.588) (2.550) (2.348) (3.921) (3.736) (3.660) (3.485) (4.435) (4.251) (4.195) (4.023) (4.205) (4.021) (3.965) (3.793) (4.178) (4.026) (3.984) (3.842) (4.238) (4.054) (4.000) (3.825) (4.008) (3.824) (3.770) (3.595) (4.065) (3.913) (3.871) (3.729) (4.716) (4.548) (4.489) (4.331) (3.957) (3.789) (3.730) (3.572) (3.748) (3.596) (3.554) (3.413) (4.355) (4.187) (4.128) (3.969) (3.711) (3.543) (3.484) (3.325) (3.279) (3.127) (3.085) (2.943) (4.002) (3.833) (3.774) (3.616) (3.633) (3.467) (3.397) (3.242) (3.091) (2.940) (2.898) (2.756) (3.639) (3.471) (3.412) (3.254) (3.486) (3.321) (3.247) (3.094) (2.933) (2.781) (2.739) (2.598) (3.896) (3.752) (3.719) (3.585) (3.057) (2.914) (2.880) (2.747) (2.561) (2.409) (2.367) (2.225) (3.399) (3.255) (3.222) (3.088) (2.880) (2.736) (2.703) (2.569) (2.044) (1.892) (1.850) (1.708) (3.028) (2.885) (2.851) (2.718) (2.958) (2.810) (2.764) (2.631) (1.451) (1.300) (1.258) (1.116) (2.647) (2.503) (2.470) (2.336) (2.579) (2.432) (2.382) (2.247) (1.194) (1.059) (1.033) (0.908) (2.311) (2.167) (2.134) (2.000) (2.241) (2.094) (2.037) (1.902) (0.775) (0.640) (0.615) (0.490) (1.863) (1.719) (1.686) (1.552) (1.828) (1.685) (1.651) (1.518) (0.216) (0.081) (0.056) (1.394) (1.250) (1.217) (1.083) (1.535) (1.392) (1.358) (1.225) (0.935) (0.808) (0.791) (0.675) (1.230) (1.086) (1.053) (0.919) (0.553) (0.426) (0.410) (0.293) (0.449) (0.319) (0.292) (0.174) (0.065) (0.086) Freddie Mac 25yr Super Conforming Freddie Mac 20yr Super Conforming Freddie Mac 15yr Super Conforming (4.451) (4.266) (4.191) (4.015) (4.201) (4.016) (3.941) (3.765) (3.996) (3.811) (3.735) (3.560) (3.746) (3.561) (3.485) (3.310) (4.253) (4.101) (4.059) (3.917) (3.817) (3.665) (3.623) (3.481) (4.140) (3.988) (3.946) (3.804) (3.837) (3.685) (3.643) (3.501) (1.994) (1.851) (1.817) (1.684) (3.823) (3.671) (3.629) (3.488) (3.573) (3.421) (3.379) (3.238) (1.741) (1.597) (1.564) (1.431) (3.354) (3.202) (3.160) (3.018) (3.104) (2.952) (2.910) (2.768) (1.410) (1.267) (1.233) (1.100) (3.166) (3.015) (2.973) (2.831) (2.731) (2.579) (2.537) (2.395) (1.068) (0.925) (0.891) (0.758) (3.008) (2.856) (2.814) (2.673) (2.705) (2.553) (2.511) (2.369) (0.833) (0.706) (0.689) (0.572) (2.636) (2.484) (2.442) (2.300) (2.386) (2.234) (2.192) (2.050) (0.572) (0.445) (0.428) (0.312) (2.119) (1.967) (1.925) (1.783) (1.869) (1.717) (1.675) (1.533) (0.203) (0.076) (0.059) (1.526) (1.375) (1.333) (1.191) (1.276) (1.125) (1.083) (0.941) (1.269) (1.134) (1.108) (0.983) (0.966) (0.830) (0.805) (0.680) (0.850) (0.715) (0.690) (0.565) (0.600) (0.465) (0.440) (0.315) (0.291) (0.156) (0.131) (0.006) (0.041) Freddie Mac 10yr Super Conforming 15 Day 30 Day 45 Day 60 Day (1.461) (1.318) (1.284) (1.151) (1.097) (0.953) (0.920) (0.787) (0.887) (0.744) (0.710) (0.577) (0.654) (0.511) (0.477) (0.344) (0.476) (0.332) (0.299) (0.165) (0.151) (0.007) Loan Level Price Adjustments All Fixed Conforming (does not apply to terms <=15yrs) Cash-Out < NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA Lender Paid MI Adj. Premium < Rate & Term Refi NA Manufactured Home NA NA NA nd Home NA Unit NA Non Owner Occupied NA Cash Out NA NA NA NA NA NA NA NA Yr NA Term NA NA NA > 20 Yr NA Term NA NA Number Of Units Subordinate Financing Misc Non Owner Occupied > 85 Loan Amount Purchase Refinance 2 Units <$50, units $50,000 - $99,999 C < $100,000 - $149, Loan Size $150,000 - $199, $200,000 - $249, $250,000 - $299, $300,000 - Conforming Limit Condo > 75 (>15yr Term) High Balance Escrow Waiver (Full or Taxes Only) Purch - R/T Refi Super Conforming Adjustments Escrow Waiver (Insurance Only) C/O Refi Manufactured Home (High Bal - Not Permitted) <= > Low to Moderate Income** (0.500) *Some adjustment details may not appear when pricing through the portal, however the final price will match the rate sheet. **Applies to 30 Yr Fixed Product for first time home buyers in all counties for the month of April. Applies to new locks after 4/1/18 only. Income Restrictions apply. Page 6 30, 45 & 60 Day Lock Purchase Special (0.250) 90 Day Lock (FRM & Purch Only) Max YSP

7 as of 1/25/2019 9:44 AM (7.089) (6.851) (6.804) (6.703) (6.190) (5.988) (5.951) (5.847) (5.908) (5.706) (5.664) (5.557) (6.995) (6.793) (6.730) (6.571) (6.090) (5.905) (5.830) (5.715) (5.625) (5.423) (5.345) (5.170) (6.726) (6.524) (6.461) (6.303) (5.864) (5.662) (5.599) (5.440) (5.344) (5.167) (5.107) (4.949) (6.190) (5.988) (5.951) (5.847) (5.529) (5.352) (5.307) (5.165) (5.179) (5.002) (4.942) (4.784) (6.108) (5.923) (5.847) (5.715) (5.261) (5.077) (5.073) (5.002) (4.959) (4.782) (4.722) (4.564) (5.864) (5.662) (5.599) (5.440) (5.009) (4.825) (4.815) (4.736) (4.761) (4.584) (4.525) (4.366) (5.529) (5.352) (5.307) (5.165) (4.677) (4.493) (4.482) (4.398) (4.305) (4.128) (4.069) (3.910) (5.261) (5.077) (5.073) (5.002) (4.118) (3.949) (3.905) (3.800) (4.158) (4.006) (3.964) (3.822) (5.009) (4.825) (4.815) (4.736) (3.981) (3.815) (3.818) (3.729) (3.989) (3.837) (3.796) (3.654) (4.677) (4.493) (4.482) (4.398) (3.705) (3.539) (3.549) (3.456) (3.576) (3.424) (3.382) (3.240) (4.118) (3.949) (3.905) (3.800) (3.170) (3.004) (2.991) (2.889) (3.128) (2.976) (2.934) (2.792) (3.981) (3.815) (3.818) (3.729) (2.594) (2.428) (2.402) (2.293) (2.563) (2.419) (2.394) (2.269) (3.899) (3.747) (3.705) (3.563) (2.170) (2.021) (2.008) (1.916) (2.209) (2.074) (2.048) (1.923) (3.705) (3.539) (3.549) (3.456) (1.674) (1.526) (1.509) (1.408) (1.780) (1.645) (1.620) (1.495) (3.353) (3.201) (3.159) (3.017) (1.153) (1.018) (0.993) (0.868) (1.244) (1.109) (1.084) (0.958) (3.170) (3.004) (2.991) (2.889) (0.519) (0.384) (0.359) (0.234) (0.654) (0.518) (0.493) (0.368) (2.842) (2.690) (2.648) (2.506) (2.594) (2.428) (2.402) (2.293) (2.316) (2.181) (2.156) (2.031) (2.170) (2.021) (2.008) (1.916) (1.991) (1.856) (1.831) (1.706) (1.684) (1.549) (1.523) (1.408) (1.503) (1.368) (1.343) (1.218) (1.162) (1.027) (1.002) (0.877) (0.510) (0.375) (0.350) (0.225) Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day (3.360) (3.156) (3.120) (2.923) (3.130) (2.926) (2.890) (2.693) (2.972) (2.768) (2.730) (2.528) (2.742) (2.538) (2.500) (2.298) (4.385) (4.201) (4.145) (3.973) (4.155) (3.971) (3.915) (3.743) (4.188) (4.004) (3.950) (3.775) (3.958) (3.774) (3.720) (3.545) (4.666) (4.498) (4.439) (4.281) (3.907) (3.739) (3.680) (3.522) (4.305) (4.137) (4.078) (3.919) (3.661) (3.493) (3.434) (3.275) (3.952) (3.783) (3.724) (3.566) (3.583) (3.417) (3.347) (3.192) (3.589) (3.421) (3.362) (3.204) (3.436) (3.271) (3.197) (3.044) (3.846) (3.702) (3.669) (3.535) (3.007) (2.864) (2.830) (2.697) (3.349) (3.205) (3.172) (3.038) (2.830) (2.686) (2.653) (2.519) (2.978) (2.835) (2.801) (2.668) (2.908) (2.760) (2.714) (2.581) (2.597) (2.453) (2.420) (2.286) (2.529) (2.382) (2.332) (2.197) (2.261) (2.117) (2.084) (1.950) (2.191) (2.044) (1.987) (1.852) (1.813) (1.669) (1.636) (1.502) (1.778) (1.635) (1.601) (1.468) (1.344) (1.200) (1.167) (1.033) (1.485) (1.342) (1.308) (1.175) (0.885) (0.758) (0.741) (0.625) (1.180) (1.036) (1.003) (0.869) (0.503) (0.376) (0.360) (0.243) (0.399) (0.269) (0.242) (0.124) (0.015) (0.036) (3.195) (3.006) (2.921) (2.735) (2.572) (2.404) (2.345) (2.187) (3.364) (3.170) (3.080) (2.890) (2.851) (2.666) (2.586) (2.406) (2.212) (2.044) (1.986) (1.827) (3.224) (3.035) (2.951) (2.765) (2.347) (2.168) (2.093) (1.917) (1.852) (1.685) (1.626) (1.468) (2.762) (2.577) (2.497) (2.317) (2.086) (1.911) (1.841) (1.671) (1.493) (1.326) (1.267) (1.108) (2.242) (2.074) (2.015) (1.857) (1.824) (1.654) (1.589) (1.424) (1.138) (0.971) (0.912) (0.754) (1.953) (1.785) (1.726) (1.568) (1.501) (1.335) (1.275) (1.115) (0.801) (0.635) (0.576) (0.418) (1.644) (1.477) (1.419) (1.260) (1.153) (0.987) (0.928) (0.769) (0.771) (0.605) (0.546) (0.388) (1.261) (1.094) (1.036) (0.877) (0.834) (0.677) (0.627) (0.476) (0.452) (0.287) (0.228) (0.069) (0.856) (0.690) (0.631) (0.472) (0.804) (0.647) (0.597) (0.446) (0.054) (0.364) (0.197) (0.139) (0.531) (0.379) (0.334) (0.188) (0.230) (0.083) (0.042) Loan Level Price Adjustments All Fixed Conforming (does not apply to terms 15yrs) < NA NA NA NA NA NA NA NA Lender Paid MI Adj. Cash-Out Premium Subordinate Financing Excludes Community Seconds Misc Non Owner Occupied 60 NA NA NA < Rate & Term Refi NA Manufactured Home NA NA NA Unit NA Yr Term > 20 Yr Term 85 NA NA NA NA NA NA NA NA C < Adjustments Applied after Cap Loan Amount Purchase Refinance <$50, $50,000 - $99,999 (0.125) (0.125) $100,000 - $149,999 (0.125) (0.125) Loan Size $150,000 - $199,999 (0.125) (0.125) ALL ALL $200,000 - $249,999 (0.125) (0.250) 2-4 Units $250,000 - $299,999 (0.125) (0.250) Attached Condo > 75 (>15yr Term) $300,000 - Conforming Limit (0.125) (0.250) Manufactured Home High Balance <= Escrow Waiver (Full or Taxes Only) Manufactured Home > Low to Moderate Income** (0.500) 30, 45 & 60 Day Lock Purchase Special (0.250) LPMI Adjustments Applied after Cap *Some adjustment details may not appear when pricing through the portal, however the final price will Adjustment Caps FICO > 80% < 680 > 80% All 80% match the rate sheet. Max YSP **Applies to 30 Yr Fixed Product for first time home buyers in all counties for the month of April. Applies to new locks after 4/1/18 only. Income Restrictions apply. Page 7

8 as of 1/25/2019 9:44 AM (3.291) (3.186) (3.111) (2.935) (3.291) (3.186) (3.111) (2.935) (4.201) (4.016) (3.941) (3.765) (2.836) (2.731) (2.655) (2.480) (2.836) (2.731) (2.655) (2.480) (3.746) (3.561) (3.485) (3.310) (3.093) (3.021) (2.979) (2.837) (3.093) (3.021) (2.979) (2.837) (3.817) (3.665) (3.623) (3.481) (2.980) (2.908) (2.866) (2.724) (2.980) (2.908) (2.866) (2.724) (3.837) (3.685) (3.643) (3.501) (2.663) (2.591) (2.549) (2.408) (2.663) (2.591) (2.549) (2.408) (3.573) (3.421) (3.379) (3.238) (2.194) (2.122) (2.080) (1.938) (2.194) (2.122) (2.080) (1.938) (3.104) (2.952) (2.910) (2.768) (2.006) (1.935) (1.893) (1.751) (2.006) (1.935) (1.893) (1.751) (2.731) (2.579) (2.537) (2.395) (1.848) (1.776) (1.734) (1.593) (1.848) (1.776) (1.734) (1.593) (2.705) (2.553) (2.511) (2.369) (1.476) (1.404) (1.362) (1.220) (1.476) (1.404) (1.362) (1.220) (2.386) (2.234) (2.192) (2.050) (0.959) (0.887) (0.845) (0.703) (0.959) (0.887) (0.845) (0.703) (1.869) (1.717) (1.675) (1.533) (0.366) (0.295) (0.253) (0.111) (0.366) (0.295) (0.253) (0.111) (1.276) (1.125) (1.083) (0.941) (0.109) (0.054) (0.028) (0.109) (0.054) (0.028) (0.966) (0.830) (0.805) (0.680) (0.600) (0.465) (0.440) (0.315) (0.041) Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day (1.994) (1.851) (1.817) (1.684) (1.461) (1.318) (1.284) (1.151) (1.741) (1.597) (1.564) (1.431) (1.097) (0.953) (0.920) (0.787) (1.410) (1.267) (1.233) (1.100) (0.887) (0.744) (0.710) (0.577) (1.068) (0.925) (0.891) (0.758) (0.654) (0.511) (0.477) (0.344) (0.833) (0.706) (0.689) (0.572) (0.476) (0.332) (0.299) (0.165) (0.572) (0.445) (0.428) (0.312) (0.151) (0.007) (0.203) (0.076) (0.059) (3.245) (3.056) (2.971) (2.785) (2.262) (2.094) (2.036) (1.877) (3.414) (3.220) (3.130) (2.940) (2.901) (2.716) (2.636) (2.456) (1.902) (1.735) (1.676) (1.518) (3.274) (3.085) (3.001) (2.815) (2.397) (2.218) (2.143) (1.967) (1.543) (1.376) (1.317) (1.158) (2.812) (2.627) (2.547) (2.367) (2.136) (1.961) (1.891) (1.721) (1.188) (1.021) (0.962) (0.804) (2.292) (2.124) (2.065) (1.907) (1.874) (1.704) (1.639) (1.474) (0.851) (0.685) (0.626) (0.468) (2.003) (1.835) (1.776) (1.618) (1.551) (1.385) (1.325) (1.165) (0.502) (0.337) (0.278) (0.119) (1.694) (1.527) (1.469) (1.310) (1.203) (1.037) (0.978) (0.819) (0.104) (1.311) (1.144) (1.086) (0.927) (0.884) (0.727) (0.677) (0.526) (0.906) (0.740) (0.681) (0.522) (0.581) (0.429) (0.384) (0.238) (0.414) (0.247) (0.189) (0.030) (0.280) (0.133) (0.092) (0.017) Loan Level Price Adjustments All Fixed Conforming (does not apply to terms 15yrs) < NA NA NA NA NA NA NA NA Cash-Out Premium 60 NA NA NA LPMI Adjustments Applied after Cap < Rate & Term Refi NA Manufactured Home NA NA NA Unit NA Lender 20 Yr Paid MI Term Adj. > 20 Yr Term Subordinate Financing Excludes Community Seconds Misc 85 NA NA NA NA NA NA NA NA C < Adjustments Applied after Cap Loan Amount Purchase Refinance <$50, $50,000 - $99,999 (0.125) (0.125) $100,000 - $149,999 (0.125) (0.125) Loan Size $150,000 - $199,999 (0.125) (0.125) Adjustments ALL ALL $200,000 - $249,999 (0.125) (0.250) 2-4 Units $250,000 - $299,999 (0.125) (0.250) Attached Condo > 75 (>15yr Term) $300,000 - Conforming Limit (0.125) (0.250) Manufactured Home High Balance High Balance Loan Adjustment - Fixed Escrow Waiver (Full or Taxes Only) High Balance Loan Adjustment - ARM Manufactured Home High Balance Loan Adjustment - ARM > Low to Moderate Income** (0.500) 30, 45 & 60 Day Lock Purchase Special (0.250) *Some adjustment details may not appear when pricing through the portal, however the final price will match the rate sheet. **Applies to 30 Yr Fixed Product for first time home buyers in all counties for the month of April. Applies to new locks after 4/1/18 only. Income Restrictions apply. Adjustment Caps FICO > 80% < 680 > 80% All 80% Max YSP