WHOLESALE BORROWER PAID COMPENSATION RATE SHEET. Liberty Savings Bank Contact Information
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1 Rate Sheet Date: Rate Sheet Price Code: 3/8/ *Effective at 11:00 am EST WHOLESALE BORROWER PAID COMPENSATION RATE SHEET FOR LENDER PAID, BROKER MUST DEDUCT COMPENSATION Liberty Savings Bank Contact Information Account Executives Secondary Marketing Name Region Phone Number Name Phone Number John Petanceski Wholesale South 1-(813) Jennifer Hefner 1-(937) John Mertz Wholesale West 1-(720) Josh Robbins 1-(937) Robert Pauley Wholesale Midwest 1-(937) Secondary Marketing Address: Lock Expiration Dates Grid INDEXES AS OF 03/08/19: 60 DAY 45 DAY 30 DAY 15 DAY **FULL EXTENSION FEES APPLY 5/6/2019 4/21/2019 4/6/2019 3/22/ LIB 10 YR PRIME 15 YR FFIEC AVG APOR 30 YR FFIEC AVG APOR **Rates above are subject to change at any time without notice With the implementation of Dodd Frank changes on January 10, 2014, Liberty Savings Bank will implement new LLPA adjustments to cover our LSB Admin/Origination Fee for all Conventional and FHA loan programs (excluding Jumbo and High Balance). The changes below will be effective for applications taken on or after March 1, Below are the grids: Liberty Savings Bank Fees (Wholesale Channel) Conventional Loan Programs Government Loan Programs Loan Amount Range LLPA Loan Amount Range LLPA $45,000 - $49, % $50,000 - $54, % $50,000 - $54, % $55,000 - $59, % $55,000 - $59, % $60,000 - $64, % $60,000 - $64, % $65,000 - $69, % $65,000 - $69, % $70,000 - $84, % $70,000 - $84, % $85,000 - $99, % $85,000 - $99, % $100,000 - $114, % $100,000 - $114, % $115,000 - $124, % $115,000 - $124, % $125,000 - $149, % $125,000 - $149, % $150,000 - $174, % $150,000 - $174, % $175,000 - $199, % $175,000 - $199, % $200,000 - $224, % $200,000 - $224, % $225,000 - $249, % $225,000 - $249, % $250,000 - $299, % $250,000 - $299, % $300,000 - $349, % $300,000 - $349, % $350,000 - $399, % $350,000 - $399, % $400,000 - $453, % $400,000 - $453, % $453,101 - $484, % $453,101 - $484, % *If the loan amount is not within the above ranges, the LSB Admin/Origination Fee must be charged to the borrower in Block A. Please refer to the fee sheet for the Origination Fee amounts. LSB Admin/ Origination Fee Tax Service Flood Conventional/Jumbo $945 $70 $12.25 FHA / USDA $945 N/A $12.25 Credit Report Fee (Per Borrower / Per Credit Report): $ State Surcharge If Applicable **applications dated before 2/11/2019 Credit Report Fee (Per Borrower / Per Credit Report): $ State Surcharge If Applicable **applications dated on or after 2/11/2019 Loan Review Report Fee (Per Borrower / Per Report): $ State Surcharge If Applicable **applications dated before 12/10/2018 Loan Review Report Fee (Per Borrower / Per Report) Colorado Property Only: $ State Surcharge If Applicable **applications dated before 12/10/2018 Undisclosed Debt Monitoring Fee (Per Borrower / Per Report): $ State Surcharge If Applicable **applications dated on or after 12/10/2018 *Please note that fees are subject to change without notice. Liberty Savings Bank Fees (Correspondent Channel) Files Submitted On Or After 07/17/2017 Admin Fee (Non-Delegated) Conventional/Jumbo $700 *Please note that fees are subject to change without notice. Admin Fee (Delegated Tax Servicean Board DU PIW MERS (NON-MOM) MERS MOM DOC PREP N/A $70 $55.00 $75 $50 $27.00 $200 *ANY FILES RECEIVED AFTER 3PM EST WILL NOT BE CONSIDERED RECEIVED UNTIL NEXT BUSINESS DAY *BROKERS ARE RESPONSIBLE FOR THE ACCURACY OF PRICING INFORMATION. CLOSINGS WILL BE SUBJECT TO ANY FINAL PRICING ADJUSTMENTS BASED ON CHANGES MADE TO THE LOAN. *PLEASE REFER TO THE PRICE GUIDE FOR ALL ADJUSTMENTS. *ON ALL 15 DAY LOCKS, ALL CONDITIONS MUST BE CLEARED PER THE UNDERWRITER. FULL EXTENSION FEES WILL APPLY. NO EXCEPTIONS. *MAX PRICE FOR ALL PRODUCTS AFTER ADJUSTMENTS IS (Unless otherwise noted) RATE LOCK HOURS OF OPERATION: OPEN 8:00AM - 10:00AM EST OPEN 11:00AM - 11:00PM EST *THE RATE LOCK DESK WILL NOT ACCEPT LOCKS FROM 10:00AM - 11:00AM EST OR 11:00PM - 8:00AM EST *PLEASE KEEP IN MIND THAT RATES ARE SUBJECT TO CHANGE ANYTIME WITHOUT NOTICE. *LIBERTY SAVINGS BANK'S RATES ARE AVAILABLE ON OPTIMAL BLUE FOR INTERNAL USE ONLY (NOT TO BE DISTRIBUTED TO CUSTOMERS OR BORROWERS) Page 1 of 1
2 Rate Sheet Date: Rate Sheet Price Code: 3/8/ *Effective at 11:00 am EST WHOLESALE BORROWER PAID COMPENSATION RATE SHEET FOR LENDER PAID, BROKER MUST DEDUCT COMPENSATION FNMA CONVENTIONAL FIXED AND ADJUSTABLE RATE PROGRAMS (FANNIE MAE ONLY) FOR CONVENTIONAL, HOME READY, & LPMI USE 30, 20, 15, & 10 YR USE PRICING BELOW: 30 YEAR 30 DAY 45 DAY 20 YEAR 30 DAY 45 DAY 10/15 YEAR 30 DAY 45 DAY (0.168) (0.148) (0.227) (0.196) (0.408) (0.388) (0.767) (0.747) (0.670) (0.638) (0.900) (0.880) (1.293) (1.253) (1.295) (1.243) (1.385) (1.365) (1.957) (1.916) (1.875) (1.823) (1.655) (1.624) (2.487) (2.446) (2.366) (2.314) (2.097) (2.066) (2.959) (2.918) (2.820) (2.768) (2.562) (2.531) (3.257) (3.217) (3.199) (3.146) (3.037) (3.006) (3.763) (3.717) (3.695) (3.638) (3.490) (3.459) (4.265) (4.218) (4.184) (4.127) (3.909) (3.878) (4.598) (4.551) (4.662) (4.604) (4.318) (4.287) (4.914) (4.867) (4.770) (4.712) (4.120) (4.093) FNMA HIGH BALANCE FNMA 20YR & 30YR HIGH BALANCE FNMA 15YR HIGH BALANCE HB 20/30 YEAR 30 DAY 45 DAY HB 15 YEAR 30 DAY 45 DAY (0.407) (0.407) (0.614) (0.614) (0.195) (0.195) (1.579) (1.579) (0.525) (0.525) (1.750) (1.750) (0.625) (0.625) (2.268) (2.268) (1.018) (1.018) (2.634) (2.628) (1.379) (1.379) (3.131) (3.120) (1.709) (1.709) (3.288) (3.272) (1.580) (1.580) (3.783) (3.762) (1.909) (1.909) (4.248) (4.222) (2.186) (2.180) (4.689) (4.657) (2.434) (2.424) FANNIE MAE HIGH LTV ( %) USE 30, 20, & 15 YR USE PRICING BELOW: 30 YEAR 30 DAY 45 DAY 20 YEAR 30 DAY 45 DAY 15 YEAR 30 DAY 45 DAY (0.297) (0.245) (0.212) (0.191) (0.294) (0.267) (1.098) (1.046) (0.850) (0.829) (0.511) (0.479) (1.680) (1.628) (1.319) (1.299) (1.063) (1.024) (2.198) (2.146) (1.589) (1.548) (1.645) (1.607) (2.813) (2.755) (2.166) (2.126) (2.195) (2.156) (3.493) (3.435) (2.654) (2.614) (2.693) (2.655) (4.043) (3.985) (2.979) (2.938) (3.156) (3.117) (4.410) (4.352) (3.361) (3.315) (3.601) (3.563) (4.761) (4.703) (3.920) (3.874) (3.557) (3.523) (5.313) (5.261) (4.253) (4.206) (3.725) (3.691) FANNIE MAE HIGH LTV ( > 125%) USE 30, 20, & 15 YR USE PRICING BELOW: 30 YEAR 30 DAY 45 DAY 20 YEAR 30 DAY 45 DAY 15 YEAR 30 DAY 45 DAY (0.082) (0.041) (0.055) (0.035) (0.200) (0.173) (0.911) (0.870) (0.693) (0.673) (0.408) (0.382) (1.493) (1.452) (1.163) (1.142) (0.950) (0.911) (2.011) (1.970) (1.527) (1.486) (1.546) (1.508) (2.788) (2.742) (2.104) (2.063) (2.101) (2.063) (3.493) (3.447) (2.592) (2.551) (2.599) (2.561) (4.043) (3.997) (2.916) (2.876) (3.062) (3.024) (4.410) (4.364) (3.299) (3.252) (3.508) (3.470) (4.761) (4.716) (3.858) (3.812) (3.557) (3.523) Page 1 of 1
3 Conventional Conforming Loan Price Guide as of January 31, 2019 Conventional Conforming Fannie Mae CREDIT SCORE/ LTV Credit Score LTV LTV LTV LTV LTV LTV LTV LTV 60% % % % % % % % >= Below All loans >180 term with LTV > 0 including ARM product CASH -OUT REFINANCE CREDIT SCORE / LTV Credit Score LTV LTV LTV LTV LTV LTV LTV LTV <= % % % % % % % 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 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 Below N/A N/A N/A N/A LPMI ADJUSTMENTS 15 & 20 YR LPMI SINGLE PREMIUM ADJUSTERS Requirements:* LTV / MI COV% LTV / MI COV% LTV / MI COV% LTV / MI COV% -Credit Score 620 (Excludes Home Ready) Credit Score 85% / 6% % / 12% % / 25% % / 25% -Credit Score 640 (Home Ready Only) Max LTV 95% (Excludes Home Ready) Purchase & Rate and Term Refinances Only DU Only (FNMA) , 20, & 15 Year Terms Only % LTV Home Ready Only Properties Located In Florida YR LPMI SINGLE PREMIUM ADJUSTERS Properties Located in Kentucky LTV / MI COV% LTV / MI COV% LTV / MI COV% LTV / MI COV% Credit Score 85% / 12% % / 25% % / 30% % / 25% **Available for MGIC only Second Home Investment Prop Unit Prop One Borrower DTI > 45% Non-Owner - (Investment) LTV <=75% >75%-80% >80%-85% **does not apply to conforming ARM's Property Type Condominium LTV to 95% (Excludes 10 yr and 15 yr term) Unit with LTV >0% to 85% Unit with LTV >0% to 75% Loan Amount Adjustments Loan amounts $50,000 to $74, Loan amounts $75,000 to $110, 'Loan amounts $200,000 to $484, FICO Adjustments FICO From FICO From Conforming ARM Adjustment Non-Owner - (Investment) Add.50 to the rate ARM LTV Subordinate Financing Subordinate Financing - APPLIES TO ALL LOANS WITH SUB FIN (cumulative to sub fin adjustments below) FINANCING LTV CLTV CREDIT SCORE STRUCTURE RATIOS RATIOS < % 80.01%-95.00% % % 80.01% % % % 90.01% % % % 76.01% % % 95.01% % Please note that these adjustments are accumulative with any other standard Conventional adjustments. **Please refer to the Product Manual for Eligibility Requirements Home Ready LLPA Caps LTV > 80% and Credit Score All other LTV ratios and credit score combinations High Balance (These are in addition to all other adjustments.) Purchase & Limited Cash Out Cash-Out Refinance State Adjustments AZ, CO, MA, MN, UT DC, RI, VT MD, NC, SC, TN, VA, WI FL, GA, IL, NH, NM, OH, PA TX Lock Periods for Conventional 15 day 60 day 15, 30, 45, or 60 day locks only (For 15 day all conditions must be met per U.W.) Per LOS pricing Per LOS Pricing Extension Fees for Conventional 1-7 day 8-15 day day (One time extension - MUST be on or prior to lock expiration date) ESCROW WAIVER FEE - CONFORMING FIXED, CONFORMING ARM, JUMBO FIXED, AND JUMBO ARM Escrow Waiver Fee (Applies to all programs)- Applies to waiving all escrows or split escrows *The maximum price for all products after adjustments is 7% of the loan amount. This includes lender paid compensation, borrower paid compensation, origination fee and points. Unless otherwise notated. Page 2 of 7
4 Fannie Mae High LTV Price Guide as of January 31, 2019 THIS SHEET IS FOR INFORMATIONAL PURPOSES ONLY CREDIT SCORE/ LTV Credit Score LTV LTV LTV LTV LTV LTV LTV LTV LTV 60% % % % % % % % >97% >= Below All loans >180 term with LTV > 0% including ARM product Non-Owner - (Investment) LTV <=75% >75%-80% >80%-125% Property Type Condominium LTV > (For terms greater than 15 years) Unit with LTV 0% to 125% Unit with LTV >0% to 125% SECONDARY FINANCING Subordinate Financing - APPLIES TO ALL LOANS WITH SUB FIN (cumulative to sub fin adjustments below) LTV CLTV CREDIT SCORE RATIOS RATIOS < % 80.01% % % % 80.01% % % % 90.01% % % % 76.01% % % >95% FICO Adjustments (not included in caps) FICO From FICO From Loan Amount Adjustments (not included in caps) Loan amounts $50,000 to $74, Loan amounts $75,000 to $110, Loan amounts $200,000. to $484, PRICE CAPS - PRINCIPAL RESIDENCES (NO LLPA CAPS BETWEEN % LTV) AMORTIZATION TERM LTV % LTV>115% >15 YRS YRS PRICE CAPS (2ND HOME) AMORTIZATON TERM LTV % LTV >105% > 15 YRS YRS PRICE CAPS (INVESTMENT) AMORTIZATON TERM LTV % LTV >90% > 15 YRS YRS
5 Rate Sheet Date: Rate Sheet Price Code: 3/8/ *Effective at 11:00 am EST WHOLESALE BORROWER PAID COMPENSATION RATE SHEET FOR LENDER PAID, BROKER MUST DEDUCT COMPENSATION FHLMC CONVENTIONAL FIXED PROGRAMS (FREDDIE MAC ONLY) FOR CONVENTIONAL, HP & HIGH LTV USE 30, 20, 15, & 10 YR USE PRICING BELOW: 30 YEAR 30 DAY 45 DAY 20 YEAR 30 DAY 45 DAY 10/15 YEAR 30 DAY 45 DAY (0.035) (0.352) (0.322) (0.231) (0.166) (0.559) (0.510) (1.227) (1.203) (0.849) (0.786) (0.643) (0.631) (1.042) (1.007) (1.445) (1.391) (1.201) (1.191) (1.826) (1.795) (1.760) (1.694) (1.740) (1.733) (2.483) (2.461) (2.359) (2.297) (2.231) (2.230) (3.062) (3.047) (2.924) (2.863) (2.427) (2.393) (2.986) (2.953) (3.440) (3.382) (2.861) (2.831) (3.574) (3.557) (3.567) (3.510) (3.354) (3.328) (4.106) (4.092) (4.088) (4.033) (3.843) (3.817) (4.587) (4.578) (4.566) (4.516) (3.403) (3.327) (4.526) (4.514) (5.018) (4.972) (3.822) (3.747)
6 Conventional Conforming Loan Price Guide as of January 31, 2019 Conventional Conforming Freddie Mac CREDIT SCORE/ LTV Credit Score LTV LTV LTV LTV LTV LTV LTV LTV 60% % % % % % % % >= Below All loans >180 term with LTV > 0 including ARM product CASH -OUT REFINANCE CREDIT SCORE / LTV Credit Score LTV LTV LTV LTV LTV LTV LTV LTV <= % % % % % % % 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 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 Below N/A N/A N/A N/A LPMI ADJUSTMENTS 15 & 20 YR LPMI SINGLE PREMIUM ADJUSTERS Requirements:* Credit Score LTV / MI COV% LTV / MI COV% LTV / MI COV% LTV / MI COV% -Credit Score 620 (Excludes Home Possible) 85% / 6% % / 12% % / 25% % / 25% -Credit Score 640 (Home Possible Only) Max LTV 95% (Excludes Home Possible) Purchase & Rate and Term Refinances Only , 20, & 15 Year Terms Only % LTV Home Possible Advantage Properties Located In Florida Properties Located in Kentucky YR LPMI SINGLE PREMIUM ADJUSTERS LTV / MI COV% LTV / MI COV% LTV / MI COV% LTV / MI COV% Please note that these adjustments are Credit Score 85% / 12% % / 25% % / 30% % / 25% accumulative with any other standard Conventional adjustments. **Please refer to the Product Manual for Eligibility Requirements **Available for MGIC only Second Home Investment Prop Unit Prop Non-Owner - (Investment) LTV <=75% >75%-80% >80%-85% **does not apply to conforming ARM's Non-Owner - (Investment) LTV <=75% >75%-80% >80%-85% Second Home LTV >85%-90% Property Type Condominium and Cooperative Properties LTV to 90% (Excludes 10 yr and 15 yr term) Unit with LTV 0% to 97% Unit with LTV >0% to <=80% Unit with LTV >80% to 85% Unit with LTV >85% to 97% Loan Amount Adjustments Loan amounts $50,000 to $74, Loan amounts $75,000 to $110, Loan amounts $200,000 to $484, FICO Adjustments FICO From FICO From SUBORDINATE FINANCING PRODUCT All Eligible Product LTV HCLTV CREDIT SCORE RATIOS RATIOS < % 80% % >80% & 95% >65% & 75% >80% & 95% >75% & 95% >76% & 95% Home Possible Mortgage (Other than Affordable Seconds) ALL ALL Home Possible LLPA Caps LTV > 80% and Credit Score LTV > 80% and Credit Score < All other LTV ratios and credit score combinations Lock Periods for Conventional 15 day 60 day 15, 30, 45, or 60 day locks only (For 15 day all conditions must be met per U.W.) Per LOS pricing Per LOS Pricing Extension Fees for Conventional 1-7 day 8-15 day day (One time extension - MUST be on or prior to lock expiration date) ESCROW WAIVER FEE - CONFORMING FIXED, CONFORMING ARM, JUMBO FIXED, AND JUMBO ARM Escrow Waiver Fee (Applies to all programs)- Applies to waiving all escrows or split escrows *The maximum price for all products after adjustments is 7% of the loan amount. This includes lender paid compensation, borrower paid compensation, origination fee and points. Unless otherwise notated.
7 Freddie Mac Enhanced Relief Refinance Price Guide as of January 31, 2019 THIS SHEET IS FOR INFORMATIONAL PURPOSES ONLY Conventional Conforming (Enhanced Relief Refinance) CREDIT SCORE/ LTV Credit Score LTV LTV LTV LTV LTV LTV LTV LTV 60% % % % % % % > 95% >= Below All loans >180 term with LTV > 0% including ARM product High LTV LTV % % % Non-Owner - (Investment) LTV <=75% >75%-80% >80%-125% Property Type Condominium LTV to 125% (Excludes 10 yr and 15 yr term) Unit with LTV 0% to 125% Unit with LTV >0% to 80% Unit with LTV >80% to 85% Unit with LTV >85% to 125% SECONDARY FINANCING LTV TLTV CREDIT SCORE RATIOS RATIOS < % 80% % >80% & 95% >65% & 75% >80% & 95% >75% & 80% >75% & 95% >80% & 90% >81% & 95% >90% & 95% >91% & 95% ALL >95% FICO (not included in caps) FICO From FICO From Loan Amount (not included in the caps) Loan amounts $50,000 to $74, Loan amounts $75,000 to $110, Loan amounts $200,000. to $484, PRICE CAPS (PRINCIPAL RESIDENCES AND 2ND HOME) AMORTIZATION TERM LTV 80% LTV>80% >20 YRS YRS PRICE CAPS (NON-OWNER OCCUPIED) AMORTIZATON TERM LTV 80% LTV >80% ALL ELIGIBLE
8 Rate Sheet Date: Rate Sheet Price Code: 3/8/ *Effective at 11:00 am EST FHA 30YR 30 DAY 45 DAY FHA 15YR 30 DAY 45 DAY VA 30YR VA 15YR (2.192) (2.192) VA 30YR 30 DAY 45 DAY VA 15YR 30 DAY 45 DAY (2.671) (2.671) (0.162) (0.162) (3.139) (3.139) (0.668) (0.668) (3.276) (3.276) (1.162) (1.162) (0.400) (0.400) (0.288) (0.288) (3.723) (3.723) (1.641) (1.641) (0.911) (0.911) (0.782) (0.782) (4.158) (4.158) (1.894) (1.894) (1.366) (1.366) (1.261) (1.261) (4.584) (4.579) (2.370) (2.370) (1.856) (1.856) (1.514) (1.514) (3.893) (3.882) (2.828) (2.828) (2.335) (2.335) (1.990) (1.990) (4.299) (4.283) (3.268) (3.268) (2.803) (2.803) (2.448) (2.448) (4.695) (4.674) (2.747) (2.747) (2.940) (2.940) (2.888) (2.888) **FHA PRODUCT NOT AVAILABLE FOR MINI-CORRESPONDENT OR CORRESPONDENT CHANNEL** (3.387) (3.387) (2.367) (2.367) FOR GOVERNMENT FHA HIGH BALANCE PRODUCTS USE PRICING BELOW: FHA 30YR HB 30 DAY 45 DAY VA 30YR HB 30 DAY 45 DAY (0.396) (0.396) (0.386) (0.386) (0.849) (0.849) (0.874) (0.874) (1.338) (1.338) (1.351) (1.351) (1.815) (1.815) (1.818) (1.818) (2.282) (2.282) (1.999) (1.999) (2.460) (2.460) (2.444) (2.444) (2.905) (2.905) (2.879) (2.879) (3.340) (3.340) (3.304) (3.298) (3.765) (3.759) (2.596) (2.585) FOR GOVERNMENT USDA USE PRICING BELOW: USDA 30YR 30 DAY 45 DAY (1.392) (1.392) (1.871) (1.871) (2.339) (2.339) (2.476) (2.476) (2.923) (2.923) (3.358) (3.358) (3.784) (3.779) (3.093) (3.082) (3.499) (3.483) #VALUE! #VALUE! WHOLESALE BORROWER PAID COMPENSATION RATE SHEET FOR GOVERNMENT FHA PRODUCTS USE PRICING BELOW: FOR LENDER PAID, BROKER MUST DEDUCT COMPENSATION GOVERNMENT PROGRAMS FOR GOVERNMENT VA PRODUCTS USE PRICING BELOW: FOR GOVERNMENT VA HIGH BALANCE PRODUCTS USE PRICING BELOW:
9 Conventional Non-Conforming & Government Loan Price Guide as of February 6, 2019 Government Loans (FHA, VA, USDA) Total Loan Amounts <= $49, Total Loan Amounts $50,000 to $74, Total Loan Amounts $75,000 to $110, FHA Streamline Adjustment VA Streamline Adjustment USDA Streamline Adjustment VA Cash Out > 90% LTV/CLTV State Adjustments AZ, CO, MA, MN, UT DC, RI, VT MD, NC, SC, TN, VA, WI FL, GA, IL, NH, NM, OH, PA TX FICO Adjustments **Please refer to the product manual for all eligibiltiy requirements** Lock Periods for FHA, USDA, & VA 15 day 15, 30, or 45 day locks only Per LOS pricing Extension Fees for FHA, USDA, & VA 1-7 day 8-15 day day (One time extension - MUST be on or prior to lock expiration date) ESCROW WAIVER FEE - CONFORMING FIXED, CONFORMING ARM, JUMBO FIXED, AND JUMBO ARM Escrow Waiver Fee (Applies to all programs)- Applies to waiving all escrows or split escrows *The maximum price for all products after adjustments is 7% of the loan amount. This includes lender paid compensation, borrower paid compensation, origination fee and points. Unless otherwise notated.
10 Rate Sheet Date: Rate Sheet Price Code: 3/8/ *Effective at 11:00 am EST WHOLESALE BORROWER PAID COMPENSATION RATE SHEET FOR LENDER PAID, BROKER MUST DEDUCT COMPENSATION PORTFOLIO FIXED AND ADJUSTABLE RATE PROGRAMS FOR JUMBO FIXED PRODUCTS USE PRICING BELOW: FOR JUMBO ARM PRODUCTS USE PRICING BELOW: 10/15YR JUMBO FIXED 45 DAY 20YR JUMBO FIXED 45 DAY 5/1 JUMBO ARM 45 DAY 7/1 JUMBO ARM 45 DAY (0.441) (0.198) (1.000) (1.000) (0.906) (0.689) (1.500) (1.500) (1.381) (1.143) (2.000) (2.000) (1.834) (1.521) (2/2/5 CAPS 2.25 MARGIN) (5/2/5 CAPS 2.25 MARGIN) (2.000) (2.000) 30YR JUMBO FIXED 45 DAY (0.821) FOR ARM PRODUCTS <= $484,350 USE PRICING BELOW: (1.293) (1.592) 3/1 ARM 45 DAY 5/1 ARM 45 DAY (2.092) (1.000) (1.000) (2.250) (1.500) (1.500) (2.000) (2.000) (2/2/6 CAPS 2.25 MARGIN) (2/2/5 CAPS 2.25 MARGIN) 7/1 ARM 45 DAY (1.000) (1.500) (2.000) (5/2/5 CAPS 2.25 MARGIN)
11 Conventional Non-Conforming & Government Loan Price Guide as of March 5, 2018 JUMBO ADJUSTMENTS 10, 15, 20, & 30 Year Jumbo Fixed Rate Products 5/1 Arm with 30 Year Term 7/1 Arm with 30 Year Term *Libor-1 year base *Libor-1 year base *Margin 2.25% *Margin 2.25% *2/2/5 Caps *5/2/5 Caps *Floor Rate Equal To Margin *Floor Rate Equal To Margin FICO/LTV Adjustments (0.125) (0.250) (0.375) (0.125) (0.375) (0.500) (0.750) (0.125) (0.250) (0.375) (0.750) (1.000) (1.250) (0.375) (0.500) N/A N/A N/A N/A N/A Purpose/Property Type Adjustments Cashout Refinance Second Home Condo (0.375) (0.500) (0.750) (2.000) N/A (0.250) (0.250) (0.375) (0.375) N/A (0.250) (0.375) N/A N/A Loan Amount Adjustments (750,000-1,500,000) Loan Amount FICO ,000-1,000, (0.125) (0.250) 750,000-1,000, (0.250) (0.375) 750,000-1,000, (0.125) (0.250) (0.250) (0.375) (0.500) 1,000,001-1,500, (0.375) (0.375) (0.500) N/A N/A 1,000,001-1,500, (0.250) (0.250) (0.375) N/A N/A Subordinate Financing CLTV RATIOS Adjustment 70.01%-75% %-80% %-85% %-89.99% *Please refer to the product manual for guidelines and parameters Extension Fees for Jumbo Loans 1-15 days days (One time extension - MUST be on or prior to lock expiration date) ESCROW WAIVER FEE - CONFORMING FIXED, CONFORMING ARM, JUMBO FIXED, AND JUMBO ARM Escrow Waiver Fee (Applies to all programs)- Applies to waiving all escrows or split escrows *The maximum price for all products after adjustments is 7% of the loan amount. This includes lender paid compensation, borrower paid compensation, origination fee and points. Unless otherwise notated.
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
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(Bank & Credit Union Partners Only) Market conditions are generally: (compared to previous price sheet) Slightly Worse! December 8, 2017 Rate Sheet Updated as of: CONFORMING -- FIXED RATE PROGRAMS #300000-30
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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)
More informationMortgage 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)
More informationMortgage 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 Bloomington Office Ph. #: 888-664-9108
More information% % >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
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(800) 851-0263 www.crescentmortgage.com Tuesday, June 12, 2018 Crescent Mortgage Company 6600 Peachtree Dunwoody Rd NE, 600 Embassy Row Ste #650, Atlanta, GA 30328 ET Market Update: 6/12/2018 May Consumer
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(800) 851-0263 www.crescentmortgage.com Wednesday, March 20, 2019 Crescent Mortgage Company 6600 Peachtree Dunwoody Rd NE, 600 Embassy Row Ste #650, Atlanta, GA 30328 ET Market Update: 3/20/2019 Price
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(800) 851-0263 www.crescentmortgage.com Friday, April 19, 2019 Crescent Mortgage Company 6600 Peachtree Dunwoody Rd NE, 600 Embassy Row Ste #650, Atlanta, GA 30328 ET Market Update: 4/19/2019 Bond Market
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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
More informationCrescent Mortgage Company 6600 Peachtree Dunwoody Rd NE, 600 Embassy Row Ste #650, Atlanta, GA 30328
(800) 851-0263 www.crescentmortgage.com Tuesday, March 26, 2019 Crescent Mortgage Company 6600 Peachtree Dunwoody Rd NE, 600 Embassy Row Ste #650, Atlanta, GA 30328 ET Market Update: 3/26/2019 Housing
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http://www.uhwholesale.com File Type Purchase: Conventional, FHA, USDA, VA Refinance: Conventional, FHA, USDA, VA Closing Doc Turn Times Initial CD will be issued when all Prior to Approval conditions
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(800) 851-0263 www.crescentmortgage.com Thursday, April 11, 2019 Crescent Mortgage Company 6600 Peachtree Dunwoody Rd NE, 600 Embassy Row Ste #650, Atlanta, GA 30328 ET Market Update: 4/11/2019 Producer
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(800) 851-0263 www.crescentmortgage.com Tuesday, April 16, 2019 Crescent Mortgage Company 6600 Peachtree Dunwoody Rd NE, 600 Embassy Row Ste #650, Atlanta, GA 30328 ET Market Update: 4/16/2019 Industrial
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(800) 851-0263 www.crescentmortgage.com Monday, March 25, 2019 Crescent Mortgage Company 6600 Peachtree Dunwoody Rd NE, 600 Embassy Row Ste #650, Atlanta, GA 30328 ET Market Update: 3/25/2019 Chicago Fed
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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
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(800) 851-0263 www.crescentmortgage.com Thursday, March 21, 2019 Crescent Mortgage Company 6600 Peachtree Dunwoody Rd NE, 600 Embassy Row Ste #650, Atlanta, GA 30328 ET Market Update: 3/21/2019 Philly
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http://www.uhwholesale.com File Type Purchase: Conventional, FHA, USDA, VA Refinance: Conventional, FHA, USDA, VA Closing Doc Turn Times Initial CD will be issued when all Prior to Approval conditions
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CONFORMING RATES CF30 CONFORMING 30 YEAR FIXED CF30 CONFORMING 25 YEAR FIXED CF20 CONFORMING 20 YEAR FIXED 3.750 101.854 101.708 101.571 101.271 3.750 101.854 101.708 101.571 101.271 3.500 101.401 101.239
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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+
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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
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CONFORMING RATES CF30 CONFORMING 30 YEAR FIXED CF30 CONFORMING 25 YEAR FIXED CF20 CONFORMING 20 YEAR FIXED 3.750 101.052 100.913 100.767 100.467 3.750 101.052 100.913 100.767 100.467 3.500 100.908 100.620
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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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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:
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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
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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)
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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
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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
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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
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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
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1 Maximum Price for FHA After Price Adjustments: (3.500) FHA CONFORMING FIXED & ARM PROGRAMS FHA 30 Year Fixed FHA 15 Year Fixed FHA 5/1 T-Bill ARM PROGRAM F6030 PROGRAM F6015 PROGRAM F6005 4.000 1.960
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www.spmloans.com Page 1 of 5 SPM will not fund a loan that is within the Federal Section 32 or any other State/County/City High Cost Calculation. All rates and programs are subject to change without notice.
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FHA Loan Programs FHA 30yr Fixed FHA 30yr Fixed High Balance FHA 15yr Fixed F30F H30F F15F 5.000 (6.000) (6.000) (6.000) (6.000) 4.625 (5.596) (5.471) (5.346) (5.221) 4.125 (4.870) (4.729) (4.566) (4.406)
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