BORROWER PAID RATE SHEET EAST 3/20/2015 9:47 AM
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- Delilah Park
- 5 years ago
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1 CONFORMING RATES CF30 CONFORMING 30 YEAR FIXED CF30 CONFORMING 25 YEAR FIXED CF20 CONFORMING 20 YEAR FIXED CF15 CONFORMING 15 YEAR FIXED CF10 CONFORMING 10 YEAR FIXED C5/1ARM CONFORMING 5/1 ARM 2/2/5 Caps & 2.25 Margin C7/1ARM CONFORMING 7/1 ARM 5/2/5 CAPS 2.25 MARGIN Rate 15 Days 30 Days 45 Days 60 Days S (ALL S ARE CUMULATIVE) MAXIMUM PRICE 105 TERMS GREATER THAN 15 YEARS CASH-OUT REFINANCES LTV / FICO FICO/LTV 60% % % % % % % 60% % % % % 90% Adjusters: (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.500) N/A (0.250) (0.500) (0.500) (0.500) (0.500) (0.500) (0.625) (0.625) N/A (0.500) (1.000) (1.000) (1.000) (1.000) (1.000) (0.625) (0.625) N/A (0.500) (1.250) (1.750) (1.250) (1.250) (1.000) (1.375) N/A (1.000) (2.000) (2.500) (2.750) (2.250) (2.250) (1.750) (0.250) N/A (0.500) (1.250) (2.500) (3.000) (3.250) (2.750) (2.750) (2.250) (0.250) (1.250) (1.250) (2.250) N/A (0.500) (3.000) (3.000) (3.250) (3.250) (3.250) (3.000) (0.250) (1.250) (1.250) (2.750) N/A SECONDARY FINANCING LTV Ratios CLTV Ratios FICO < 720 FICO % > 80% 95% (0.500) (0.250) > 65% 75% > 80% 95% (0.500) > 75% 90% > 75% 90% (1.000) > 75% 80% > 90% 95% (1.000) > 80% 90% > 90% 95% (1.000) 95% >95% 97% PROPERTY TYPE PROPERTY TYPE 2 Units 3-4 Units Condominium and Cooperative Properties w/ LTV > 75% and term > 15 year (1.000) INVESTMENT PROPERTIES HIGH LTV LTV > 95% (0.500) 75% (2.000) >75% 80% (3.250) >80% <85 (3.75) ESCROW WAIVER (0.25) LOCK EXTENSION INFORMATION AND EXPIRATION DATES $50,000 - $74,999 $75,000 - $99,999 (0.500)
2 GOVERNMENT RATES FHA30 FHA 30 YEAR FIXED FHA15 FHA 15 YEAR FIXED FHA FHA 30 YEAR FIXED < 640 CREDIT SCORE FHA FHA 15 YEAR FIXED < 640 CREDIT SCORE FHA5/1ARM FHA 5/1 ARM 1/1/5 CAPS & 2.00 MARGIN VA30 VA 30 YEAR FIXED VA15 VA 15 YEAR FIXED RD30 RURAL DEVELOPMENT 30 YEAR FIXED VA5/1ARM VA 5/1 ARM 1/1/5 CAPS & 2.00 MARGIN S (ALL S ARE CUMULATIVE) MAXIMUM PRICE FHA PRICE S VA PRICE S FICO Range DESCRIPTION (0.500) FICO FICO (0.500) (2.000) Non-IRRRL Rate/Term Refi > 90% LTV (1.000) All VA Refinances > 90% LTV must be locked manually by the lock desk. FHA & USDA SPECIAL PRICE S - NORTH CAROLINA USDA PRICE S DESCRIPTION <$100,000 (0.500) FICO (0.500) $100,000 - $299,999 (0.375) ONE SCORE (3.000) >$300,000 (0.250) $75,000 (1.000) NOTE THAT THESE ARE IN ADDITION TO THE STANDARD FHA S ALL GOVERNMENT PRODUCTS - $50,000 - $74,999 $75,000 - $99,999 (0.500)
3 HIGH BALANCE, SUPER CONFORMING, AND NON-CONFORMING JUMBO RATES SC30 FHLMC SUPER CONFORMING 30 YEAR FIXED HB15 FNMA HIGH BALANCE 15 YEAR FIXED HB30 FNMA HIGH BALANCE 30 YEAR FIXED SC15 FHLMC SUPER CONFORMING 15 YEAR FIXED NCF30 NON-CONFORMING JUMBO 30 YEAR FIXED NCF15 NON-CONFORMING JUMBO 15 YEAR FIXED NC 5/1 ARM NON-CONFORMING 5/1 ARM NC 7/1 ARM NON-CONFORMING 7/1 ARM Rate 15 Days 30 Days 45 Days 60 Days Rate 15 Days 30 Days 45 Days 60 Days S (ALL S ARE CUMULATIVE) HIGH BALANCE & SUPER CONFORMING PRODUCTS FOLLOW STANDARD CONFORMING PRODUCTS PLUS THE FOLOOW MAX OF NCJ-FICO/LTV/CLTV/HCLTV LLPAs (Loan Amount <= $1.0M) CASHOUT AND ESCROW WAIVER IF APPLICABLE FICO Range <=60% >60<65 >65<70 >70<75 >75<80 CASHOUT (1.000) >= (0.150) (0.375) (0.125) (0.375) (0.500) (0.250) (0.375) (0.625) (1.000) NON-CONFORMING JUMBO ADDITIONAL S MAX OF LTV/CLTV <=60% >60<65 >65<70 >70<75 >75<80 MAX OF NCJ-FICO/LTV/CLTV/HCLTV LLPAs (Loan Amount > $1.0M to <= $1.5M) 2 UNIT (0.500) n/a n/a n/a n/a FICO Range <=60% >60<65 >65<70 >70<75 >75<80 SECOND HOME (0.500) (0.500) (0.625) (0.875) n/a >= (0.125) (0.400) n/a CONDO (0.375) (0.375) (0.375) (0.500) (0.125) (0.375) (0.625) n/a CASH OUT (0.500) (0.500) n/a n/a n/a (0.250) (0.375) (0.625) (0.875) n/a DTI > 40% (0.250) (0.375) MAX OF NCJ-FICO/LTV/CLTV/HCLTV LLPAs (Loan Amount > $1.5M to <= $2.0M) ESCROW NON CONFORMING MAXIMUM CAPS FICO Range <=60% >60<65 >65<70 >70<75 >75<80 WAIVER (0.250) 30 YEAR >= (0.125) n/a n/a 15 YEAR 15 YEAR (0.125) (0.375) n/a n/a ARMS (0.250) (0.375) (0.625) n/a n/a NON-CONFORMING JUMBO - ARM MARGINS/CAPS PRODUCT CAPS MARGIN NC 5/1 ARM 2/2/ NC 7/1 ARM 2/2/
4 SPECIALITY CONFORMING RATES DURP30 DU REFI PLUS 30 YEAR FIXED < 105% DURP15 DU REFI PLUS 15 YEAR FIXED < 105% MCM MY COMMUNITY MORTGAGE 30 YEAR FIXED DURPEX30 DU REFI PLUS 30 YEAR FIXED % DURPEX15 DU REFI PLUS 15 YEAR FIXED % Rate 15 Days 30 Days 45 Days 60 Days Rate 15 Days 30 Days 45 Days 60 Days S (ALL S ARE CUMULATIVE - ADDITIONAL CONFORMING S MAY APPLY TO THESE PRODUCTS) ALL ELIGIBLE DU REFI PLUS MORTGAGES - FICO/LTV LL ELIGIBLE DU REFI PLUS MORTGAGES- CAP ALL ELIGIBLE DURP LOANS ALL OCCUPANCIES WITH TERMS > 15 YEARS OCCUPANCY TERM LTV CAP HIGH LTV S FICO/LTV 60% >60% 70% >70% 75% >75% 80% >80% 85% >85% 90% >90% 95% >95% PRIMARY 15 YEAR > 80% LTV TERM PRIMARY > 15 YEAR > 80% >95% 97% 30 & 15 (0.500) PRIMARY ALL TERMS 80% >97%<105% 30 & (0.500) (0.500) (0.500) (0.500) (0.500) (0.500) (0.500) INVESTMENT ALL TERMS ALL LTVS >105% 30 YEAR (1.000) (0.500) (0.500) 2ND HOME ALL TERMS ALL LTVS >105% 15 YEAR (0.500) (1.000) (1.750) (1.750) (1.750) (1.750) (1.250) (0.500) (1.250) (2.000) (2.250) (2.250) (2.250) (2.250) (1.750) (0.500) (2.500) (2.750) (2.750) (2.750) (2.750) (2.500) ALL ELIGIBLE DU REFI PLUS MORTGAGES - SPECIAL FEATURES ALL ELIGIBLE DU REFI PLUS LOANS WITH TRANSFERRED MI FEATURE/LTV 60% >60% 70% >70% 75% >75% 80% >80% 85% >85% 90% >90% 95% >95% 97% 97% LTV Ratios 15 & 30 YEAR FIXED, PRIMARY RESIDENC (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) >80% (0.625) ATTACHED CONDO W/ TERM > 15 YEAR SEE ANNOUCEMENT WPPB a FOR FURTHER INFORMATION INVESTMENT PROPERTY (1.750) (1.750) (1.750) (3.000) (3.750) (3.750) (3.750) (3.750) (3.750) MULTI-UNIT PROPERTY - 2-4UNIT (1.000) (1.000) (1.000) (1.000) (1.000) (1.000) (1.000) (1.000) (1.000) LPMI TERM S 1 ALL ELIGIBLE DU REFI PLUS MORTGAGES WITH SECONDARY FINANCING LTV >= LTV Ratios CLTV Ratios FICO < 720 FICO 720 >90% 95% (1.950) (2.150) (2.230) (3.290) (4.930) (5.120) (5.790) > 20 YEAR > 65% 75% > 90% 95% (0.500) (0.250) >85% 90% (1.370) (1.370) (1.600) (2.170) (3.280) (3.530) (4.080) TERMS > 75% 95% > 90% 95% (0.500) (0.250) >80% 85% (0.950) (0.990) (1.120) (1.330) (1.540) (1.730) (1.970) > 75% 90% > 75% 90% (0.250) >90% 95% (1.650) (2.060) (2.940) (4.180) (4.350) (4.910) <= 20 YEAR ANY >95% >85% 90% (1.100) (1.100) (1.370) (1.540) (1.820) (1.930) (2.200) TERMS >80% 85% (0.850) (0.880) (1.050) (1.190) (1.480) (1.520) (1.560) ADDITIONAL S FOR LPMI CASHOUT ALL LTVS (0.500) (0.700) (1.000) (1.300) MY COMMUNITY MORTGAGE RATE/TERM ALL LTVS (0.530) (1.050) SUBORDINATE FINANCING ND HOME ALL LTVS (0.250) (0.490) (0.700) (1.230) ALL MCM LOANS >417,000 ALL LTVS (0.400) (0.880) (1.400) (2.100) TERMS ALL LTVS INVESTMENT ALL LTVS (0.500) (0.700) (1.000) (1.300) 1 LPMI PRICING FOLLOWS STANDARD CF30 AND CF15 PRICING PLUS STANDARD ESCROW WAIVER CONFORMING S PLUS THE S FOUND IN THE GRID ABOVE
5 SPECIALITY CONFORMING RATES LPRR30 LP RELIEF REFINANCE 30 YEAR FIXED LPRR15 LP RELIEF REFINANCE 15 YEAR FIXED HP HOME POSSIBLE 30 YEAR FIXED LPRREX30 LP RELIEF REFI 30 YEAR FIXED % LTV LPRREX15 LP RELIEF REFI 15 YEAR FIXED % LTV Rate 15 Days 30 Days 45 Days 60 Days Rate 15 Days 30 Days 45 Days 60 Days S (ALL S ARE CUMULATIVE - ADDITIONAL CONFORMING S MAY APPLY TO THESE PRODUCTS) ELIGIBLE LP RELIEF OPEN ACCESS MORTGAGES ESCROW ALL ELIGIBLE LPRR LOANS LP RELIEF OPEN ACCESS ALL OCCUPANCIES WITH TERMS > 15 YEARS WAIVER (0.25) HIGH LTV S MARKET CONDITION FICO/LTV 60% >60% 70% >70% 75% >75% 80% >80% 85% >85% LTV STATE (0.250) >95% 97% (0.500) FLORIDA (0.250) (0.250) (0.500) >97% 105% (0.500) (1.000) (0.500) (0.500) >105% (2.000) (0.500) (1.250) (1.750) (1.000) (1.000) (2.250) (2.750) (2.250) (1.750) (0.500) (1.250) (2.750) (3.000) (2.750) (2.250) ALL ELIGIBLE LP RELIEF OPEN ACCESS MORTGAGES- CAPS (0.500) (3.000) (3.000) (2.750) (2.750) OCCUPANCY TERM LTV CAP PRIMARY 15 YEAR > 80% ELIGIBLE LP RELIEF OPEN ACCESS MORTGAGES - SPECIAL FEATURES PRIMARY > 15 YEAR > 80% EATURE/LTV 70% >70% 75% >75% 80% >80% 85% >85% 90% >90% 95% >95% 97% >97% PRIMARY ALL TERMS 80% INVESTMENT (1.750) (1.750) (3.000) (3.750) (3.750) (3.750) (3.750) (3.750) 2ND HOME 15 YEAR > 80% UNITS (1.000) (1.000) (1.000) (1.000) (1.000) (1.000) (1.000) (1.000) 2ND HOME > 15 YEAR > 80% UNITS (1.000) (1.000) (1.000) (2.000) (2.000) (2.000) (2.000) 2ND HOME ALL TERMS 80% INVESTMENTALL TERMS ALL LTVS ALL ELIGIBLE LP OPEN ACCESS MORTGAGES WITH SECONDARY FINANCING LTV Ratios CLTV Ratios FICO < 720 FICO % >80% & 95% (0.500) (0.250) >65% & 75% >80% & 95% (0.500) >75% & 80% >76% & 90% (1.000) >75% & 80% >90% & 95% (1.000) >80% & 90% >81% & 95% (1.000) (0.500) >90% & 95% >90% & 95% (0.500) (0.250) ALL >95% REFINANCES PURCHASES HOME POSSIBLE S
6 FHAS30 FHA STREAMLINE 30 YEAR FIXED FHAS15 FHA STREAMLINE 15 YEAR FIXED FHA30J FHA JUMBO 30 YEAR FIXED FHA203H FHA 203H VAIRRRL30 VA IRRRL 30 YEAR FIXED VAIRRRL15 VA IRRRL 15 YEAR FIXED VAJ30 VA JUMBO 30 YEAR FIXED VAIRRRL30NA VA IRRRL 30 YR NO AVM/NO APPRAISAL VAIRRRL15NA VA IRRRL 15 YR NO AVM/NO APPRAISAL RD30PR RD PILOT REFINANCE Rate 15 Days 30 Days 45 Days 60 Days SPECIALITY GOVERNMENT RATES S (ALL S ARE CUMULATIVE) MAXIMUM PRICE FHA PRICE S VA PRICE S FICO Range DESCRIPTION (0.500) FICO FICO (0.625) (2.000) NON-IRRRL VA REFI (1.000) FHA STREAMLINE JUMBO (0.500) FHA SPECIAL PRICE S - NORTH CAROLINA USDA PRICE S DESCRIPTION <$100,000 (0.500) FICO (0.500) $100,000 - $299,999 (0.375) FICO (2.000) >$300,000 (0.250) $55,000 (1.000) NOTE THAT THESE ARE IN ADDITION TO THE STANDARD FHA S ALL GOVERNMENT PRODUCTS - $50,000 - $74,999 (0.625) $75,000 - $99,999 (0.375) ADMIN WAIVER FEE S, AND ACCOUNT EXECUTIVE AND LOCK DESK CONTACT INFORMATION
7 FCM LENDER IDENTIFICATION NUMBERS Lock Desk Hours (All Times are Central Standard Time) FHA Monday - Friday 9:00am - 4:45pm VA Conforming & Government Fixed Products available M-F 24 HOURS USDA All other products available M-F 9:00am-4:45pm STATE S STATE STATE STATE STATE ALABAMA 0.00 INDIANA 0.25 MISSOURI 0.24 SOUTH CAROLINA 0.02 ARKANSAS 0.00 KANSAS 0.24 NORTH CAROLINA 0.25 SOUTH DAKOTA COLORADO 0.25 KENTUCKY 0.02 NORTH DAKOTA 0.19 TENNESSEE 0.03 DC 0.01 LOUISIANA 0.22 NEBRASKA TEXAS* 0.25 FLORIDA 0.00 MARYLAND 0.25 NEW MEXICO 0.23 VIRGINIA 0.25 GEORGIA 0.00 MICHIGAN 0.20 OHIO 0.22 WISCONSIN IOWA MINNESOTA 0.22 OKLAHOMA 0.24 WYOMING 0.18 ILLINOIS 0.25 MISSISSIPPI PENNSYLVANIA 0.23 WEST VIRGINIA 0.01 *PLEASE NOTE THAT TEXAS 50(A)6 LOANS REQUIRE MANUAL LOCKING BY THE LOCK DESK. IF YOUR LOAN IS IN FACT A 50(A)6 THE PRICING ON THESE RATESHEETS AND THE PRICING ENGINE IS NOT VALID AND WILL NOT BE HONORED BY FCM. PLEASE CONTACT THE LOCKDESK FOR ALL TEXAS 50(A)6 TRANSACTIONS. STATE S DO NOT APPLY TO NON-CONFORMING JUMBO PRODUCTS LOCK EXTENSION INFORMATION AND EXPIRATION DATES ALL extensions are limited to 2 per loan. Extensions are calculated at 2 bps per day, with a maximum extension of 30 LOCK EXPIRATION DATES days (60bps) Loans re-locked after expiration will be subject to worse case pricing PLUS 0.25 re-commitment fee. 15 day 4/3/2015 FCM Extension Fees Per Day Charge 2 bps 30 day 4/20/ day 5/4/ day 5/19/2015 ADMIN FEE AND ADMIN WAIVER STANDARD FEES ADMIN WAIVER FEE SCHEDULE Flood Cert: Administration Fees 1 : Conventional FHA FHA Streamlines VA Jumbo Non Del Corr Tier $7 $845 $845 $0 $0 $845 $525 $40,000 - $49,999 $50,000 - $59,999 $60,000 - $69,999 $70,000 - $79,999 $80,000 - $89,999 $90,000 - $99,999 $100,000 - $109,999 WAIVER COST (2.113) (1.690) (1.408) (1.207) (1.056) (0.939) (0.845) 1 North Carolina has no admin fee but a $795 commitment fee $110,000 - $124,999 (0.768) $125,000 - $174,999 (0.676) $175,000 - $274,999 (0.483) $275,000 - $374,999 (0.307) $375,000 (0.225) LOCK DESK AND ACCOUNT EXECUTIVE CONTACT INFORMATION FCM ACCOUNT EXECUTIVE TEAM: ACCOUNT EXECUTIVE REGION CONTACT INFO ACCOUNT EXECUTIVE REGION DENNIS PATCHETT NATIONAL SALES MANAGER JEFF PETTIT OHIO, WESTERN PA YVONNE WEISS TEXAS & LOUISIANA DUSTIN GREENWELL PRODUCTION COOR MATT PUFFER MN, WI, IL, KY, WVA, CEN & E. PA STEVEN HAGE MIDDLE TENNESSEE TERRY JERNIGAN MIDDLE TENNESSEE SCOTT HENDRIX JAMES GRILL ADAM ROBB AL & MS GEORGIA KS, AR, OK, CO MARK WOOD ALABAMA/MISSISSIPPI WES MCGAFFIN NORTH CAROLINA, MARYLAND JENNIFER STILL MD, VA, NC, SC, FL PETE JACKSON JANICE HURT AR, OK, CO, NM, WY MICHIGAN MARK LEMONDS PRODUCTION COOR ext 243 RUSS PACE PRODUCTION COOR ext 242 WES BROWN PRODUCTION COOR. FCM LOCK DESK TEAM CONTACT INFO EMPLOYEE CONTACT INFO MAIN PHONE MAIN FAX JOSH BOURGEOIS-Mgr EXT 1135 KEVIN TUSCAN EXT 1130 AMANDA VAYILAPALLI
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