National Wholesale Rate Sheet

Transcription

1 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 now have a higher max price. Jumbo Series H is Here! - See page 15 for details. PRODUCT HIGHLIGHTS AGENCY GOVERNMENT JUMBO SERIES 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%. 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 NPF Lending Library in 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 (4.761) (0.027) Bracketed Pricing Changes and green arrows indicate improved pricing (4.271) (4.604) (0.094) Rate Today's Price Pricing Change (3.896) Conventional 15yr Fixed FHA 30yr Fixed Smart Edge 5/1 ARM (4.567) (0.036) (4.311) (1.813) (0.020) (4.242) (0.036) (3.936) (1.563) (0.020) Conforming 5-1 ARM (2-2-5) VA 30yr Fixed Smart Self 5/1 ARM (1.926) (0.051) (3.829) (1.531) (0.010) (1.614) (0.051) (3.417) (1.281) (0.010) Page 2 HELOC Piggyback Page 3 SmartSeries - New Smart Funds Included! Page 4 FHA, VA, & USDA - Fixed, ARM, and Jumbo Page 5 Fannie Mae - Fixed Conforming and High Balance Products Page 6 Freddie Mac - Fixed Conforming and Super Conforming Products Page 7 Fannie Mae - HomeReady Fixed and ARM Products Page 8 Fannie Mae - HomeReady High Balance Fixed and ARM Products Page 9 Freddie Mac - Home Possible Fixed and ARM Products Page 10 Fannie Mae - ARM Conforming and High Balance Products Page 11 Freddie Mac - ARM Conforming and Super Conforming Products Page 12 High Balance Extra Page 13 Jumbo Series C Page 14 Jumbo Series D Page 15 Jumbo Series F Page 16 Jumbo Series H Page 17 Jumbo Series I Page 18 Jumbo Series J - QM Page 19 Dream Big Jumbo Page 20 State Adjustments 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 3/22/2019 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 4/1/ Day Cost < 3 Prior Ext Prior Ext Extended loans cannot expire on a 30 Day Lock/Extension 4/15/ Day Cost < 3 Prior Ext Prior Ext weekend or holiday. 45 Day Lock/Extension 4/29/ Day Cost < 3 Prior Ext Prior Ext Max number of days to extend is Day Lock 5/14/2019 If the market has improved by more than 50 bps and the loan is closing within 15 days per request. 90 Day Lock 6/13/2019 days, the relock fee will be waived on 15 day relocks only. (Other restrictions may apply.) GENERAL INFORMATION 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 $150 Desk Review - Transferred Appraisal $150 Risk Report - Transferred Appraisal $25 TX Attorney Fee $125 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. NewRez Fax Website order to determine product eligibility and/or availability for a given loan scenario. MARKET MOVEMENTS TABLE OF CONTENTS LOCK POLICIES CORPORATE CONTACTS 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 National Wholesale Rate (866) (484) NewRezWholesale@NewRez.com NewRezWholesale.com Lock Desk LockRequest@NewRez.com * 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. Sheet Page 1

2 HELOC as of 3/15/2019 9:36 AM Rate Grid - All States Excl. TN C 70.00% % % % % - Index = Prime Rate in all states except TN. 30 Yr Treasury Constant Maturity in TN Today's Index Prime (All excl. TN ): 5.500% 30 Yr Treasury (TN) : 3.030% Credit Interest Rate Cap 2% each year Score Rate Floor 3.950% Rate Grid - TN - Rate Ceiling All states except CO: % CO: % - Origination Fee: $ C 70.00% % % % % - Annual Fee: $ Waived for First Year Year Term. 10 year Interest Only period with 20 year repayment term. Interest Only payments Credit during the draw period. Score The rate may increase or decrease as of the first day of each Billing Cycle Margin Grid - Not available in TX, AK, LA, HI Additional Information C 70.00% % % % % Credit Score All available lock terms (15, 30, 45, and 60 day) are priced at par.

3 + Smart Series powered by NewRez Pricing Effective: 3/15/ :36 AM Smart Edge 5/1 Smart Edge Plus 5/1 Smart Condo 5/1 Full Doc Smart Self 5/1 Smart Self Plus 5/1 Smart Funds 5/1 Bank Statements/Asset Qualifier Smart Trac 5/1 Full Doc 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 (1.938) (1.813) (1.688) (1.563) (1.906) (1.781) (1.656) (1.531) (1.827) (1.702) (1.577) (1.452) (2.218) (2.093) (1.968) (1.843) (1.688) (1.563) (1.438) (1.313) (1.656) (1.531) (1.406) (1.281) (1.577) (1.452) (1.327) (1.202) (1.968) (1.843) (1.718) (1.593) (1.438) (1.313) (1.188) (1.063) (1.406) (1.281) (1.156) (1.031) (1.327) (1.202) (1.077) (0.952) (1.718) (1.593) (1.468) (1.343) (1.188) (1.063) (0.938) (0.813) (1.156) (1.031) (0.906) (0.781) (1.077) (0.952) (0.827) (0.702) (1.468) (1.343) (1.218) (1.093) (0.938) (0.813) (0.688) (0.563) (0.906) (0.781) (0.656) (0.531) (0.827) (0.702) (0.577) (0.452) (1.218) (1.093) (0.968) (0.843) (0.688) (0.563) (0.438) (0.313) (0.656) (0.531) (0.406) (0.281) (0.577) (0.452) (0.327) (0.202) (0.968) (0.843) (0.718) (0.593) (0.438) (0.313) (0.188) (0.063) (0.406) (0.281) (0.156) (0.031) (0.327) (0.202) (0.077) (0.718) (0.593) (0.468) (0.343) (0.188) (0.063) (0.156) (0.031) (0.077) (0.468) (0.343) (0.218) (0.093) (0.218) (0.093) 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 ARM - FICO>=660 & <=80 & DTI<= No Prepay Fixed - FICO>=660 & <=80 & DTI<= Yr Prepay *Adjustment to Price. Only applies for LA <$1.5M. Not applicable Other Rate Adjustments- Smart Funds to Smart Edge Plus or Smart Condo. Asset Qualifier Adjustments to Price - All Products ARM - FICO>=700 & <= Escrow Waiver Fixed - FICO>=700 & <= *Does not apply to SmartVest product. *Adjustment to Price - Not Applicable to Smart Self Plus or Smart Funds ARM 7/1&10/1 Max Price ARM Index 5/1 Caps Lender Fee Margin Caps Smart Edge Purchase Special* Smart Self Specials* Loan Amount Specials* $1.5-$2MM Smart Edge/Edge Plus/Condo (2.00) Yr LIBOR 2/2/5 5/2/5 $1, Smart Self/Self Plus/Funds (2.00) Yr LIBOR 2/2/5 5/2/5 $1, > $2MM 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

4 as of 3/15/2019 9:36 AM FHA 30 Yr Fixed VA 30 Yr Fixed USDA 30 Yr Fixed (4.968) (4.809) (4.761) (4.613) (5.008) (4.849) (4.801) (4.653) (4.353) (4.194) (4.146) (3.998) (4.626) (4.468) (4.420) (4.272) (4.666) (4.508) (4.460) (4.312) (4.011) (3.853) (3.805) (3.657) (4.268) (4.110) (4.061) (3.913) (4.308) (4.150) (4.101) (3.953) (3.653) (3.495) (3.446) (3.298) (3.891) (3.733) (3.685) (3.536) (3.931) (3.773) (3.725) (3.576) (3.276) (3.118) (3.070) (2.921) (4.449) (4.311) (4.283) (4.156) (4.489) (4.351) (4.323) (4.196) (3.834) (3.696) (3.668) (3.541) (4.074) (3.936) (3.909) (3.781) (4.114) (3.976) (3.949) (3.821) (3.459) (3.321) (3.294) (3.166) (3.680) (3.542) (3.515) (3.387) (3.720) (3.582) (3.555) (3.427) (3.065) (2.927) (2.900) (2.772) (3.265) (3.127) (3.100) (2.972) (3.305) (3.167) (3.140) (3.012) (2.650) (2.512) (2.485) (2.357) (3.948) (3.789) (3.741) (3.593) (3.988) (3.829) (3.781) (3.633) (3.333) (3.174) (3.126) (2.978) (3.535) (3.377) (3.329) (3.180) (3.575) (3.417) (3.369) (3.220) (2.920) (2.762) (2.714) (2.565) (3.100) (2.942) (2.894) (2.746) (3.140) (2.982) (2.934) (2.786) (2.485) (2.327) (2.279) (2.131) (2.642) (2.484) (2.436) (2.288) (2.682) (2.524) (2.476) (2.328) (2.027) (1.869) (1.821) (1.673) (2.704) (2.560) (2.525) (2.391) (2.744) (2.600) (2.565) (2.431) (2.089) (1.945) (1.910) (1.776) (2.221) (2.077) (2.042) (1.908) (2.261) (2.117) (2.082) (1.948) (1.606) (1.462) (1.427) (1.293) (1.739) (1.594) (1.560) (1.425) (1.779) (1.634) (1.600) (1.465) (1.124) (0.979) (0.945) (0.810) (1.253) (1.109) (1.074) (0.940) (1.293) (1.149) (1.114) (0.980) (0.638) (0.494) (0.459) (0.325) (0.954) (0.817) (0.789) (0.662) (0.994) (0.857) (0.829) (0.702) (0.339) (0.202) (0.174) (0.047) (0.469) (0.332) (0.304) (0.177) (0.509) (0.372) (0.344) (0.217) (0.025) FHA 15 Yr Fixed VA 15 Yr Fixed FHA High Balance 30 Yr Fixed (2.236) (2.091) (2.055) (1.920) (1.926) (1.781) (1.745) (1.610) (3.419) (3.261) (3.212) (3.064) (2.004) (1.858) (1.823) (1.687) (1.694) (1.548) (1.513) (1.377) (3.078) (2.919) (2.871) (2.723) (1.780) (1.635) (1.599) (1.464) (1.470) (1.325) (1.289) (1.154) (2.719) (2.561) (2.513) (2.364) (1.485) (1.339) (1.304) (1.168) (1.175) (1.029) (0.994) (0.858) (2.342) (2.184) (2.136) (1.988) (1.198) (1.052) (1.017) (0.881) (0.888) (0.742) (0.707) (0.571) (3.619) (3.481) (3.453) (3.326) (0.178) (0.039) (0.011) (3.244) (3.106) (3.079) (2.951) (2.850) (2.712) (2.685) (2.557) (2.435) (2.297) (2.270) (2.142) (3.274) (3.116) (3.067) (2.919) (2.861) (2.703) (2.655) (2.507) (2.427) (2.268) (2.220) (2.072) (1.969) (1.810) (1.762) (1.614) (2.093) (1.949) (1.914) (1.780) (1.610) (1.466) (1.431) (1.297) (1.127) (0.983) (0.948) (0.814) (0.642) (0.497) (0.463) (0.328) (0.468) (0.330) (0.303) (0.175) VA High Balance 30 Yr Fixed FHA 5-1 ARM (1-1-5 Caps) VA 5-1 ARM (1-1-5 Caps) (3.454) (3.296) (3.247) (3.099) (0.597) (0.367) (0.217) (0.067) (0.372) (0.142) (3.113) (2.954) (2.906) (2.758) (0.423) (0.193) (0.043) (0.198) (2.754) (2.596) (2.548) (2.399) (0.249) (0.019) (0.024) (2.377) (2.219) (2.171) (2.023) (0.075) (3.654) (3.516) (3.488) (3.361) (3.279) (3.141) (3.114) (2.986) (2.885) (2.747) (2.720) (2.592) (2.470) (2.332) (2.305) (2.177) (3.309) (3.151) (3.102) (2.954) (2.896) (2.738) (2.690) (2.542) (2.462) (2.303) (2.255) (2.107) (2.004) (1.845) (1.797) (1.649) (2.128) (1.984) (1.949) (1.815) (1.645) (1.501) (1.466) (1.332) (1.162) (1.018) (0.983) (0.849) (0.677) (0.532) (0.498) (0.363) (0.503) (0.365) (0.338) (0.210) 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 (0.272) (0.042) (0.307) (0.077) (0.098) (0.133) 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 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 Please view 'State Adjustments' page for additional adjustments 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 3/15/2019 9:36 AM Fannie Mae - Conforming Fixed Rate Products Fannie Mae 30yr Fixed Fannie Mae 25yr Fixed Fannie Mae 20yr Fixed (6.886) (6.667) (6.652) (6.536) (6.303) (6.144) (6.101) (5.956) (5.932) (5.780) (5.736) (5.575) (6.584) (6.432) (6.389) (6.243) (6.066) (5.914) (5.871) (5.726) (5.818) (5.666) (5.622) (5.461) (6.650) (6.472) (6.404) (6.236) (5.998) (5.845) (5.802) (5.657) (5.761) (5.609) (5.565) (5.404) (6.303) (6.144) (6.101) (5.956) (5.853) (5.698) (5.652) (5.507) (5.601) (5.449) (5.405) (5.244) (6.066) (5.914) (5.871) (5.726) (5.488) (5.333) (5.287) (5.142) (5.395) (5.242) (5.198) (5.038) (5.998) (5.845) (5.802) (5.657) (5.205) (5.052) (5.010) (4.864) (5.205) (5.052) (5.008) (4.848) (5.853) (5.698) (5.652) (5.507) (4.913) (4.761) (4.718) (4.572) (4.863) (4.715) (4.677) (4.539) (5.488) (5.333) (5.287) (5.142) (4.752) (4.604) (4.566) (4.428) (4.560) (4.412) (4.375) (4.237) (5.205) (5.052) (5.010) (4.864) (4.348) (4.181) (4.131) (3.993) (4.357) (4.210) (4.172) (4.034) (4.913) (4.761) (4.718) (4.572) (4.155) (3.989) (3.842) (3.681) (3.899) (3.751) (3.713) (3.575) (4.752) (4.604) (4.566) (4.428) (3.636) (3.469) (3.320) (3.159) (3.540) (3.392) (3.354) (3.216) (4.348) (4.181) (4.131) (3.993) (3.335) (3.187) (3.149) (3.012) (3.213) (3.065) (3.027) (2.889) (4.213) (4.065) (4.027) (3.889) (2.943) (2.794) (2.651) (2.513) (2.796) (2.648) (2.610) (2.472) (4.155) (3.989) (3.842) (3.681) (2.456) (2.307) (2.149) (2.008) (2.360) (2.212) (2.174) (2.037) (3.660) (3.512) (3.474) (3.337) (1.835) (1.686) (1.570) (1.432) (1.856) (1.708) (1.670) (1.533) (3.636) (3.469) (3.320) (3.159) (1.195) (1.046) (0.965) (0.827) (1.407) (1.276) (1.085) (0.947) (3.588) (3.440) (3.402) (3.265) (0.922) (0.790) (0.600) (0.477) (0.689) (0.559) (0.459) (0.306) (3.335) (3.187) (3.149) (3.012) (0.279) (0.148) (0.184) (0.045) (0.015) (3.135) (2.987) (2.949) (2.811) (2.943) (2.794) (2.651) (2.513) (2.608) (2.460) (2.423) (2.285) (2.456) (2.307) (2.149) (2.008) (2.099) (1.952) (1.914) (1.776) (1.835) (1.686) (1.570) (1.432) (1.195) (1.046) (0.965) (0.827) (0.922) (0.790) (0.600) (0.477) Fannie Mae 15yr Fixed Fannie Mae 10yr Fixed Fannie Mae 30yr High Balance (3.474) (3.271) (3.172) (3.070) (3.244) (3.041) (2.942) (2.840) (4.522) (4.344) (4.276) (4.108) (3.124) (2.920) (2.817) (2.715) (2.894) (2.690) (2.587) (2.485) (4.175) (3.997) (3.929) (3.761) (4.630) (4.443) (4.367) (4.236) (4.400) (4.213) (4.137) (4.006) (4.911) (4.755) (4.710) (4.565) (4.391) (4.207) (4.128) (3.998) (4.161) (3.977) (3.898) (3.768) (4.563) (4.407) (4.362) (4.217) (4.705) (4.567) (4.538) (4.410) (4.207) (4.063) (4.032) (3.892) (4.161) (4.005) (3.960) (3.815) (4.380) (4.242) (4.214) (4.085) (4.064) (3.920) (3.890) (3.749) (3.701) (3.546) (3.501) (3.355) (4.182) (4.039) (4.009) (3.880) (3.890) (3.747) (3.716) (3.575) (4.039) (3.891) (3.853) (3.715) (3.929) (3.786) (3.756) (3.627) (3.661) (3.497) (3.463) (3.322) (3.646) (3.498) (3.461) (3.323) (4.176) (4.027) (3.989) (3.847) (4.071) (3.922) (3.884) (3.730) (3.182) (3.034) (2.997) (2.859) (3.792) (3.643) (3.605) (3.463) (3.687) (3.538) (3.500) (3.346) (2.673) (2.525) (2.487) (2.350) (3.435) (3.289) (3.254) (3.118) (3.313) (3.162) (3.125) (2.980) (2.705) (2.557) (2.520) (2.382) (3.033) (2.888) (2.852) (2.717) (2.881) (2.736) (2.698) (2.553) (2.244) (2.097) (2.059) (1.921) (2.655) (2.521) (2.499) (2.371) (2.550) (2.416) (2.394) (2.254) (1.743) (1.595) (1.557) (1.419) (2.136) (1.989) (1.949) (1.804) (2.079) (1.934) (1.898) (1.763) (1.196) (1.048) (1.010) (0.872) (1.799) (1.673) (1.655) (1.503) (1.826) (1.700) (1.682) (1.530) (0.560) (0.412) (0.374) (0.236) (1.344) (1.206) (1.177) (1.049) (1.562) (1.415) (1.377) (1.223) (1.098) (0.960) (0.931) (0.803) (0.969) (0.836) (0.814) (0.674) (0.535) (0.397) (0.369) (0.240) (0.502) (0.364) (0.335) (0.207) (0.112) (0.178) (0.040) (0.011) Fannie Mae 25yr High Balance Fannie Mae 20yr High Balance Fannie Mae 15yr High Balance (4.597) (4.419) (4.351) (4.183) (3.892) (3.794) (3.726) (3.558) (4.250) (4.072) (4.004) (3.836) (3.545) (3.447) (3.379) (3.211) (4.986) (4.830) (4.785) (4.640) (4.095) (4.019) (3.974) (3.829) (4.638) (4.482) (4.437) (4.292) (3.879) (3.804) (3.759) (3.613) (2.413) (2.268) (2.232) (2.097) (4.236) (4.080) (4.035) (3.890) (3.531) (3.455) (3.410) (3.265) (2.078) (1.933) (1.897) (1.762) (3.776) (3.621) (3.576) (3.430) (3.071) (2.996) (2.951) (2.805) (1.810) (1.664) (1.629) (1.493) (4.114) (3.966) (3.928) (3.790) (3.223) (3.155) (3.117) (2.979) (1.474) (1.329) (1.293) (1.157) (3.721) (3.573) (3.536) (3.398) (2.963) (2.895) (2.857) (2.720) (1.361) (1.222) (1.194) (1.066) (3.257) (3.109) (3.072) (2.934) (2.552) (2.484) (2.447) (2.309) (1.022) (0.884) (0.855) (0.727) (2.748) (2.600) (2.562) (2.425) (2.043) (1.975) (1.937) (1.800) (0.742) (0.604) (0.575) (0.447) (2.780) (2.632) (2.595) (2.457) (1.889) (1.822) (1.784) (1.646) (0.369) (0.231) (0.202) (0.074) (2.319) (2.172) (2.134) (1.996) (1.561) (1.494) (1.456) (1.318) (0.357) (0.219) (0.191) (0.062) (1.818) (1.670) (1.632) (1.494) (1.113) (1.045) (1.007) (0.869) (1.271) (1.123) (1.085) (0.947) (0.566) (0.498) (0.460) (0.322) (0.635) (0.487) (0.449) (0.311) Fannie Mae 10yr High Balance 15 Day 30 Day 45 Day 60 Day (1.849) (1.703) (1.668) (1.532) (1.635) (1.490) (1.454) (1.319) (1.454) (1.309) (1.273) (1.138) (1.199) (1.053) (1.018) (0.882) (0.886) (0.741) (0.705) (0.570) (0.538) (0.392) (0.357) (0.221) (0.213) (0.075) (0.046) 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. Please view 'State Adjustments' page for additional adjustments. Page 5 90 Day Lock (FRM & Purch Only) High Balance Adjustments Purch - R/T Refi. C/O Refi. Max YSP

6 as of 3/15/2019 9:36 AM Freddie Mac - Conforming Fixed Rate Products Freddie Mac 30yr Fixed Freddie Mac 25yr Fixed Freddie Mac 20yr Fixed (6.886) (6.667) (6.652) (6.536) (6.303) (6.144) (6.101) (5.956) (5.932) (5.780) (5.736) (5.575) (6.584) (6.432) (6.389) (6.243) (6.066) (5.914) (5.871) (5.726) (5.818) (5.666) (5.622) (5.461) (6.650) (6.472) (6.404) (6.236) (5.998) (5.845) (5.802) (5.657) (5.761) (5.609) (5.565) (5.404) (6.303) (6.144) (6.101) (5.956) (5.853) (5.698) (5.652) (5.507) (5.601) (5.449) (5.405) (5.244) (6.066) (5.914) (5.871) (5.726) (5.488) (5.333) (5.287) (5.142) (5.395) (5.242) (5.198) (5.038) (5.998) (5.845) (5.802) (5.657) (5.205) (5.052) (5.010) (4.864) (5.205) (5.052) (5.008) (4.848) (5.853) (5.698) (5.652) (5.507) (4.913) (4.761) (4.718) (4.572) (4.863) (4.715) (4.677) (4.539) (5.488) (5.333) (5.287) (5.142) (4.752) (4.604) (4.566) (4.428) (4.560) (4.412) (4.375) (4.237) (5.205) (5.052) (5.010) (4.864) (4.348) (4.181) (4.131) (3.993) (4.357) (4.210) (4.172) (4.034) (4.913) (4.761) (4.718) (4.572) (4.155) (3.989) (3.842) (3.681) (3.899) (3.751) (3.713) (3.575) (4.752) (4.604) (4.566) (4.428) (3.636) (3.469) (3.320) (3.159) (3.540) (3.392) (3.354) (3.216) (4.348) (4.181) (4.131) (3.993) (3.335) (3.187) (3.149) (3.012) (3.213) (3.065) (3.027) (2.889) (4.213) (4.065) (4.027) (3.889) (2.943) (2.794) (2.651) (2.513) (2.796) (2.648) (2.610) (2.472) (4.155) (3.989) (3.842) (3.681) (2.456) (2.307) (2.149) (2.008) (2.360) (2.212) (2.174) (2.037) (3.660) (3.512) (3.474) (3.337) (1.835) (1.686) (1.570) (1.432) (1.856) (1.708) (1.670) (1.533) (3.636) (3.469) (3.320) (3.159) (1.195) (1.046) (0.965) (0.827) (1.407) (1.276) (1.085) (0.947) (3.588) (3.440) (3.402) (3.265) (0.922) (0.790) (0.600) (0.477) (0.689) (0.559) (0.459) (0.306) (3.335) (3.187) (3.149) (3.012) (0.279) (0.148) (0.184) (0.045) (0.015) (3.135) (2.987) (2.949) (2.811) (2.943) (2.794) (2.651) (2.513) (2.608) (2.460) (2.423) (2.285) (2.456) (2.307) (2.149) (2.008) (2.099) (1.952) (1.914) (1.776) (1.835) (1.686) (1.570) (1.432) (1.195) (1.046) (0.965) (0.827) (0.922) (0.790) (0.600) (0.477) Freddie Mac 15yr Fixed Freddie Mac 10yr Fixed Freddie Mac 30yr Super Conforming (3.474) (3.271) (3.172) (3.070) (3.244) (3.041) (2.942) (2.840) (4.522) (4.344) (4.276) (4.108) (3.124) (2.920) (2.817) (2.715) (2.894) (2.690) (2.587) (2.485) (4.175) (3.997) (3.929) (3.761) (4.630) (4.443) (4.367) (4.236) (4.400) (4.213) (4.137) (4.006) (4.911) (4.755) (4.710) (4.565) (4.391) (4.207) (4.128) (3.998) (4.161) (3.977) (3.898) (3.768) (4.563) (4.407) (4.362) (4.217) (4.705) (4.567) (4.538) (4.410) (4.207) (4.063) (4.032) (3.892) (4.161) (4.005) (3.960) (3.815) (4.380) (4.242) (4.214) (4.085) (4.064) (3.920) (3.890) (3.749) (3.701) (3.546) (3.501) (3.355) (4.182) (4.039) (4.009) (3.880) (3.890) (3.747) (3.716) (3.575) (4.039) (3.891) (3.853) (3.715) (3.929) (3.786) (3.756) (3.627) (3.661) (3.497) (3.463) (3.322) (3.646) (3.498) (3.461) (3.323) (4.176) (4.027) (3.989) (3.847) (4.071) (3.922) (3.884) (3.730) (3.182) (3.034) (2.997) (2.859) (3.792) (3.643) (3.605) (3.463) (3.687) (3.538) (3.500) (3.346) (2.673) (2.525) (2.487) (2.350) (3.435) (3.289) (3.254) (3.118) (3.313) (3.162) (3.125) (2.980) (2.705) (2.557) (2.520) (2.382) (3.033) (2.888) (2.852) (2.717) (2.881) (2.736) (2.698) (2.553) (2.244) (2.097) (2.059) (1.921) (2.655) (2.521) (2.499) (2.371) (2.550) (2.416) (2.394) (2.254) (1.743) (1.595) (1.557) (1.419) (2.136) (1.989) (1.949) (1.804) (2.079) (1.934) (1.898) (1.763) (1.196) (1.048) (1.010) (0.872) (1.799) (1.673) (1.655) (1.503) (1.826) (1.700) (1.682) (1.530) (0.560) (0.412) (0.374) (0.236) (1.344) (1.206) (1.177) (1.049) (1.562) (1.415) (1.377) (1.223) (1.098) (0.960) (0.931) (0.803) (0.969) (0.836) (0.814) (0.674) (0.535) (0.397) (0.369) (0.240) (0.502) (0.364) (0.335) (0.207) (0.112) (0.178) (0.040) (0.011) Freddie Mac 25yr Super Conforming Freddie Mac 20yr Super Conforming Freddie Mac 15yr Super Conforming (4.597) (4.419) (4.351) (4.183) (4.347) (4.169) (4.101) (3.933) (4.250) (4.072) (4.004) (3.836) (4.000) (3.822) (3.754) (3.586) (4.986) (4.830) (4.785) (4.640) (4.550) (4.394) (4.349) (4.204) (4.638) (4.482) (4.437) (4.292) (4.334) (4.179) (4.134) (3.988) (2.413) (2.268) (2.232) (2.097) (4.236) (4.080) (4.035) (3.890) (3.986) (3.830) (3.785) (3.640) (2.078) (1.933) (1.897) (1.762) (3.776) (3.621) (3.576) (3.430) (3.526) (3.371) (3.326) (3.180) (1.810) (1.664) (1.629) (1.493) (4.114) (3.966) (3.928) (3.790) (3.678) (3.530) (3.492) (3.354) (1.474) (1.329) (1.293) (1.157) (3.721) (3.573) (3.536) (3.398) (3.418) (3.270) (3.232) (3.095) (1.361) (1.222) (1.194) (1.066) (3.257) (3.109) (3.072) (2.934) (3.007) (2.859) (2.822) (2.684) (1.022) (0.884) (0.855) (0.727) (2.748) (2.600) (2.562) (2.425) (2.498) (2.350) (2.312) (2.175) (0.742) (0.604) (0.575) (0.447) (2.780) (2.632) (2.595) (2.457) (2.344) (2.197) (2.159) (2.021) (0.369) (0.231) (0.202) (0.074) (2.319) (2.172) (2.134) (1.996) (2.016) (1.869) (1.831) (1.693) (0.357) (0.219) (0.191) (0.062) (1.818) (1.670) (1.632) (1.494) (1.568) (1.420) (1.382) (1.244) (1.271) (1.123) (1.085) (0.947) (1.021) (0.873) (0.835) (0.697) (0.635) (0.487) (0.449) (0.311) (0.385) (0.237) (0.199) (0.061) Freddie Mac 10yr Super Conforming 15 Day 30 Day 45 Day 60 Day (1.849) (1.703) (1.668) (1.532) (1.635) (1.490) (1.454) (1.319) (1.454) (1.309) (1.273) (1.138) (1.199) (1.053) (1.018) (0.882) (0.886) (0.741) (0.705) (0.570) (0.538) (0.392) (0.357) (0.221) (0.213) (0.075) (0.046) 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. *Escrow Waiver penalty does not apply in DC with an <= **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. Please view 'State Adjustments' page for additional adjustments. Page 6 30, 45 & 60 Day Lock Purchase Special (0.250) 90 Day Lock (FRM & Purch Only) Max YSP

7 as of 3/15/2019 9:36 AM (6.836) (6.617) (6.602) (6.486) (6.253) (6.094) (6.051) (5.906) (5.882) (5.730) (5.686) (5.525) (6.534) (6.382) (6.339) (6.193) (6.016) (5.864) (5.821) (5.676) (5.768) (5.616) (5.572) (5.411) (6.600) (6.422) (6.354) (6.186) (5.948) (5.795) (5.752) (5.607) (5.711) (5.559) (5.515) (5.354) (6.253) (6.094) (6.051) (5.906) (5.803) (5.648) (5.602) (5.457) (5.551) (5.399) (5.355) (5.194) (6.016) (5.864) (5.821) (5.676) (5.438) (5.283) (5.237) (5.092) (5.345) (5.192) (5.148) (4.988) (5.948) (5.795) (5.752) (5.607) (5.155) (5.002) (4.960) (4.814) (5.155) (5.002) (4.958) (4.798) (5.803) (5.648) (5.602) (5.457) (4.863) (4.711) (4.668) (4.522) (4.813) (4.665) (4.627) (4.489) (5.438) (5.283) (5.237) (5.092) (4.702) (4.554) (4.516) (4.378) (4.510) (4.362) (4.325) (4.187) (5.155) (5.002) (4.960) (4.814) (4.298) (4.131) (4.081) (3.943) (4.307) (4.160) (4.122) (3.984) (4.863) (4.711) (4.668) (4.522) (4.105) (3.939) (3.792) (3.631) (3.849) (3.701) (3.663) (3.525) (4.702) (4.554) (4.516) (4.378) (3.586) (3.419) (3.270) (3.109) (3.490) (3.342) (3.304) (3.166) (4.298) (4.131) (4.081) (3.943) (3.285) (3.137) (3.099) (2.962) (3.163) (3.015) (2.977) (2.839) (4.163) (4.015) (3.977) (3.839) (2.893) (2.744) (2.601) (2.463) (2.746) (2.598) (2.560) (2.422) (4.105) (3.939) (3.792) (3.631) (2.406) (2.257) (2.099) (1.958) (2.310) (2.162) (2.124) (1.987) (3.610) (3.462) (3.424) (3.287) (1.785) (1.636) (1.520) (1.382) (1.806) (1.658) (1.620) (1.483) (3.586) (3.419) (3.270) (3.109) (1.145) (0.996) (0.915) (0.777) (1.357) (1.226) (1.035) (0.897) (3.538) (3.390) (3.352) (3.215) (0.872) (0.740) (0.550) (0.427) (0.639) (0.509) (0.409) (0.256) (3.285) (3.137) (3.099) (2.962) (0.229) (0.098) (0.134) (3.085) (2.937) (2.899) (2.761) (2.893) (2.744) (2.601) (2.463) (2.558) (2.410) (2.373) (2.235) (2.406) (2.257) (2.099) (1.958) (2.049) (1.902) (1.864) (1.726) (1.785) (1.636) (1.520) (1.382) (1.145) (0.996) (0.915) (0.777) (0.872) (0.740) (0.550) (0.427) 15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day (3.424) (3.221) (3.122) (3.020) (3.194) (2.991) (2.892) (2.790) (3.074) (2.870) (2.767) (2.665) (2.844) (2.640) (2.537) (2.435) (4.580) (4.393) (4.317) (4.186) (4.350) (4.163) (4.087) (3.956) (4.341) (4.157) (4.078) (3.948) (4.111) (3.927) (3.848) (3.718) (4.655) (4.517) (4.488) (4.360) (4.157) (4.013) (3.982) (3.842) (4.330) (4.192) (4.164) (4.035) (4.014) (3.870) (3.840) (3.699) (4.132) (3.989) (3.959) (3.830) (3.840) (3.697) (3.666) (3.525) (3.879) (3.736) (3.706) (3.577) (3.611) (3.447) (3.413) (3.272) (4.126) (3.977) (3.939) (3.797) (4.021) (3.872) (3.834) (3.680) (3.742) (3.593) (3.555) (3.413) (3.637) (3.488) (3.450) (3.296) (3.385) (3.239) (3.204) (3.068) (3.263) (3.112) (3.075) (2.930) (2.983) (2.838) (2.802) (2.667) (2.831) (2.686) (2.648) (2.503) (2.605) (2.471) (2.449) (2.321) (2.500) (2.366) (2.344) (2.204) (2.086) (1.939) (1.899) (1.754) (2.029) (1.884) (1.848) (1.713) (1.749) (1.623) (1.605) (1.453) (1.776) (1.650) (1.632) (1.480) (1.294) (1.156) (1.127) (0.999) (1.512) (1.365) (1.327) (1.173) (1.048) (0.910) (0.881) (0.753) (0.919) (0.786) (0.764) (0.624) (0.485) (0.347) (0.319) (0.190) (0.452) (0.314) (0.285) (0.157) (0.062) (0.128) (3.397) (3.207) (3.121) (2.934) (2.592) (2.425) (2.370) (2.218) (3.660) (3.465) (3.374) (3.183) (3.058) (2.873) (2.792) (2.611) (2.311) (2.144) (2.089) (1.937) (3.529) (3.339) (3.253) (3.066) (2.558) (2.377) (2.301) (2.125) (2.014) (1.847) (1.792) (1.640) (3.071) (2.886) (2.805) (2.624) (2.302) (2.126) (2.055) (1.884) (1.654) (1.488) (1.433) (1.281) (2.398) (2.217) (2.141) (1.965) (2.047) (1.876) (1.809) (1.643) (1.297) (1.130) (1.075) (0.923) (2.052) (1.875) (1.804) (1.633) (1.731) (1.564) (1.503) (1.341) (0.945) (0.778) (0.724) (0.571) (1.743) (1.577) (1.522) (1.370) (1.374) (1.212) (1.156) (0.999) (0.915) (0.748) (0.694) (0.541) (1.361) (1.194) (1.139) (0.987) (1.079) (0.921) (0.870) (0.718) (0.581) (0.414) (0.359) (0.207) (0.953) (0.786) (0.731) (0.579) (1.049) (0.891) (0.840) (0.688) (0.167) (0.553) (0.395) (0.343) (0.191) (0.783) (0.630) (0.584) (0.437) (0.184) (0.030) (0.488) (0.339) (0.298) (0.156) 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 *Escrow Waiver penalty does not apply in DC with an <= **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. Please view 'State Adjustments' page for additional adjustments. Page 7

8 as of 3/15/2019 9:36 AM (3.437) (3.339) (3.271) (3.103) (3.437) (3.339) (3.271) (3.103) (4.347) (4.169) (4.101) (3.933) (3.090) (2.992) (2.924) (2.756) (3.090) (2.992) (2.924) (2.756) (4.000) (3.822) (3.754) (3.586) (3.826) (3.750) (3.705) (3.560) (3.826) (3.750) (3.705) (3.560) (4.550) (4.394) (4.349) (4.204) (3.478) (3.402) (3.357) (3.212) (3.478) (3.402) (3.357) (3.212) (4.334) (4.179) (4.134) (3.988) (3.076) (3.000) (2.955) (2.810) (3.076) (3.000) (2.955) (2.810) (3.986) (3.830) (3.785) (3.640) (2.616) (2.541) (2.496) (2.350) (2.616) (2.541) (2.496) (2.350) (3.526) (3.371) (3.326) (3.180) (2.954) (2.886) (2.848) (2.710) (2.954) (2.886) (2.848) (2.710) (3.678) (3.530) (3.492) (3.354) (2.561) (2.493) (2.456) (2.318) (2.561) (2.493) (2.456) (2.318) (3.418) (3.270) (3.232) (3.095) (2.097) (2.029) (1.992) (1.854) (2.097) (2.029) (1.992) (1.854) (3.007) (2.859) (2.822) (2.684) (1.588) (1.520) (1.482) (1.345) (1.588) (1.520) (1.482) (1.345) (2.498) (2.350) (2.312) (2.175) (1.620) (1.552) (1.515) (1.377) (1.620) (1.552) (1.515) (1.377) (2.344) (2.197) (2.159) (2.021) (1.159) (1.092) (1.054) (0.916) (1.159) (1.092) (1.054) (0.916) (2.016) (1.869) (1.831) (1.693) (0.658) (0.590) (0.552) (0.414) (0.658) (0.590) (0.552) (0.414) (1.568) (1.420) (1.382) (1.244) (0.111) (0.043) (0.005) (0.111) (0.043) (0.005) (1.021) (0.873) (0.835) (0.697) (0.385) (0.237) (0.199) (0.061) Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day (2.413) (2.268) (2.232) (2.097) (1.849) (1.703) (1.668) (1.532) (2.078) (1.933) (1.897) (1.762) (1.635) (1.490) (1.454) (1.319) (1.810) (1.664) (1.629) (1.493) (1.454) (1.309) (1.273) (1.138) (1.474) (1.329) (1.293) (1.157) (1.199) (1.053) (1.018) (0.882) (1.361) (1.222) (1.194) (1.066) (0.886) (0.741) (0.705) (0.570) (1.022) (0.884) (0.855) (0.727) (0.538) (0.392) (0.357) (0.221) (0.742) (0.604) (0.575) (0.447) (0.213) (0.075) (0.046) (0.369) (0.231) (0.202) (0.074) (0.357) (0.219) (0.191) (0.062) (3.447) (3.257) (3.171) (2.984) (2.361) (2.194) (2.139) (1.987) (3.710) (3.515) (3.424) (3.233) (3.108) (2.923) (2.842) (2.661) (2.064) (1.897) (1.842) (1.690) (3.579) (3.389) (3.303) (3.116) (2.608) (2.427) (2.351) (2.175) (1.704) (1.538) (1.483) (1.331) (3.121) (2.936) (2.855) (2.674) (2.352) (2.176) (2.105) (1.934) (1.347) (1.180) (1.125) (0.973) (2.448) (2.267) (2.191) (2.015) (2.097) (1.926) (1.859) (1.693) (0.995) (0.828) (0.774) (0.621) (2.102) (1.925) (1.854) (1.683) (1.781) (1.614) (1.553) (1.391) (0.631) (0.464) (0.409) (0.257) (1.793) (1.627) (1.572) (1.420) (1.424) (1.262) (1.206) (1.049) (0.217) (0.050) (1.411) (1.244) (1.189) (1.037) (1.129) (0.971) (0.920) (0.768) (1.003) (0.836) (0.781) (0.629) (0.833) (0.680) (0.634) (0.487) (0.603) (0.445) (0.393) (0.241) (0.538) (0.389) (0.348) (0.206) (0.234) (0.080) (0.033) (0.242) (0.098) (0.062) 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 Adjustment Caps FICO > 80% < 680 > 80% All 80% match the rate sheet. *Escrow Waiver penalty does not apply in DC with an <= 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. Please view 'State Adjustments' page for additional adjustments.

9 as of 3/15/2019 9:36 AM FHLMC Home Possible 30 Yr Fixed FHLMC Home Possible 25 Yr Fixed FHLMC Home Possible 20 Yr Fixed (6.836) (6.617) (6.602) (6.486) (6.253) (6.094) (6.051) (5.906) (5.882) (5.730) (5.686) (5.525) (6.534) (6.382) (6.339) (6.193) (6.016) (5.864) (5.821) (5.676) (5.768) (5.616) (5.572) (5.411) (6.600) (6.422) (6.354) (6.186) (5.948) (5.795) (5.752) (5.607) (5.711) (5.559) (5.515) (5.354) (6.253) (6.094) (6.051) (5.906) (5.803) (5.648) (5.602) (5.457) (5.551) (5.399) (5.355) (5.194) (6.016) (5.864) (5.821) (5.676) (5.438) (5.283) (5.237) (5.092) (5.345) (5.192) (5.148) (4.988) (5.948) (5.795) (5.752) (5.607) (5.155) (5.002) (4.960) (4.814) (5.155) (5.002) (4.958) (4.798) (5.803) (5.648) (5.602) (5.457) (4.863) (4.711) (4.668) (4.522) (4.813) (4.665) (4.627) (4.489) (5.438) (5.283) (5.237) (5.092) (4.702) (4.554) (4.516) (4.378) (4.510) (4.362) (4.325) (4.187) (5.155) (5.002) (4.960) (4.814) (4.298) (4.131) (4.081) (3.943) (4.307) (4.160) (4.122) (3.984) (4.863) (4.711) (4.668) (4.522) (4.105) (3.939) (3.792) (3.631) (3.849) (3.701) (3.663) (3.525) (4.702) (4.554) (4.516) (4.378) (3.586) (3.419) (3.270) (3.109) (3.490) (3.342) (3.304) (3.166) (4.298) (4.131) (4.081) (3.943) (3.285) (3.137) (3.099) (2.962) (3.163) (3.015) (2.977) (2.839) (4.163) (4.015) (3.977) (3.839) (2.893) (2.744) (2.601) (2.463) (2.746) (2.598) (2.560) (2.422) (4.105) (3.939) (3.792) (3.631) (2.406) (2.257) (2.099) (1.958) (2.310) (2.162) (2.124) (1.987) (3.610) (3.462) (3.424) (3.287) (1.785) (1.636) (1.520) (1.382) (1.806) (1.658) (1.620) (1.483) (3.586) (3.419) (3.270) (3.109) (1.145) (0.996) (0.915) (0.777) (1.357) (1.226) (1.035) (0.897) (3.538) (3.390) (3.352) (3.215) (0.872) (0.740) (0.550) (0.427) (0.639) (0.509) (0.409) (0.256) (3.285) (3.137) (3.099) (2.962) (0.229) (0.098) (0.134) (3.085) (2.937) (2.899) (2.761) (2.893) (2.744) (2.601) (2.463) (2.558) (2.410) (2.373) (2.235) (2.406) (2.257) (2.099) (1.958) (2.049) (1.902) (1.864) (1.726) (1.785) (1.636) (1.520) (1.382) (1.145) (0.996) (0.915) (0.777) (0.872) (0.740) (0.550) (0.427) FHLMC Home Possible 15 Yr Fixed FHLMC Home Possible 10 Yr Fixed FHLMC Home Possible - VLIP 30 Yr Fixed (3.424) (3.221) (3.122) (3.020) (3.194) (2.991) (2.892) (2.790) (6.836) (6.617) (6.602) (6.486) (3.074) (2.870) (2.767) (2.665) (2.844) (2.640) (2.537) (2.435) (6.534) (6.382) (6.339) (6.193) (4.580) (4.393) (4.317) (4.186) (4.350) (4.163) (4.087) (3.956) (6.600) (6.422) (6.354) (6.186) (4.341) (4.157) (4.078) (3.948) (4.111) (3.927) (3.848) (3.718) (6.253) (6.094) (6.051) (5.906) (4.655) (4.517) (4.488) (4.360) (4.157) (4.013) (3.982) (3.842) (6.016) (5.864) (5.821) (5.676) (4.330) (4.192) (4.164) (4.035) (4.014) (3.870) (3.840) (3.699) (5.948) (5.795) (5.752) (5.607) (4.132) (3.989) (3.959) (3.830) (3.840) (3.697) (3.666) (3.525) (5.803) (5.648) (5.602) (5.457) (3.879) (3.736) (3.706) (3.577) (3.611) (3.447) (3.413) (3.272) (5.438) (5.283) (5.237) (5.092) (4.126) (3.977) (3.939) (3.797) (4.021) (3.872) (3.834) (3.680) (5.155) (5.002) (4.960) (4.814) (3.742) (3.593) (3.555) (3.413) (3.637) (3.488) (3.450) (3.296) (4.863) (4.711) (4.668) (4.522) (3.385) (3.239) (3.204) (3.068) (3.263) (3.112) (3.075) (2.930) (4.702) (4.554) (4.516) (4.378) (2.983) (2.838) (2.802) (2.667) (2.831) (2.686) (2.648) (2.503) (4.298) (4.131) (4.081) (3.943) (2.605) (2.471) (2.449) (2.321) (2.500) (2.366) (2.344) (2.204) (4.163) (4.015) (3.977) (3.839) (2.086) (1.939) (1.899) (1.754) (2.029) (1.884) (1.848) (1.713) (4.105) (3.939) (3.792) (3.631) (1.749) (1.623) (1.605) (1.453) (1.776) (1.650) (1.632) (1.480) (3.610) (3.462) (3.424) (3.287) (1.294) (1.156) (1.127) (0.999) (1.512) (1.365) (1.327) (1.173) (3.586) (3.419) (3.270) (3.109) (1.048) (0.910) (0.881) (0.753) (0.919) (0.786) (0.764) (0.624) (3.538) (3.390) (3.352) (3.215) (0.485) (0.347) (0.319) (0.190) (0.452) (0.314) (0.285) (0.157) (3.285) (3.137) (3.099) (2.962) (0.062) (0.128) (3.085) (2.937) (2.899) (2.761) (2.893) (2.744) (2.601) (2.463) (2.558) (2.410) (2.373) (2.235) (2.406) (2.257) (2.099) (1.958) (2.049) (1.902) (1.864) (1.726) (1.785) (1.636) (1.520) (1.382) (1.145) (0.996) (0.915) (0.777) FHLMC Home Possible 5/1 ARM (2/2/5) FHLMC Home Possible 7/1 ARM (5/2/5) FHLMC Home Possible 10/1 ARM (5/2/5) (3.397) (3.207) (3.121) (2.934) (2.592) (2.425) (2.370) (2.218) (3.660) (3.465) (3.374) (3.183) (3.058) (2.873) (2.792) (2.611) (2.311) (2.144) (2.089) (1.937) (3.529) (3.339) (3.253) (3.066) (2.558) (2.377) (2.301) (2.125) (2.014) (1.847) (1.792) (1.640) (3.071) (2.886) (2.805) (2.624) (2.302) (2.126) (2.055) (1.884) (1.654) (1.488) (1.433) (1.281) (2.398) (2.217) (2.141) (1.965) (2.047) (1.876) (1.809) (1.643) (1.297) (1.130) (1.075) (0.923) (2.052) (1.875) (1.804) (1.633) (1.731) (1.564) (1.503) (1.341) (0.945) (0.778) (0.724) (0.571) (1.743) (1.577) (1.522) (1.370) (1.374) (1.212) (1.156) (0.999) (0.915) (0.748) (0.694) (0.541) (1.361) (1.194) (1.139) (0.987) (1.079) (0.921) (0.870) (0.718) (0.581) (0.414) (0.359) (0.207) (0.953) (0.786) (0.731) (0.579) (1.049) (0.891) (0.840) (0.688) (0.167) (0.553) (0.395) (0.343) (0.191) (0.783) (0.630) (0.584) (0.437) (0.184) (0.030) (0.488) (0.339) (0.298) (0.156) All Conforming (does not apply to Fixed terms 15yrs) Premium FHLMC Home Possible Products Loan Level Price Adjustments < NA NA NA NA NA NA NA * NA LPMI Adjustments Applied after Cap < Rate & Term Refi NA Manufactured Home NA NA NA Unit NA Lender Paid MI Adj. 20 Yr Term 85 NA NA NA NA > 20 Yr Term 85 NA NA NA NA Manufactured Home NA NA NA VLIP LPMI 85 NA Adj NA Yr Term NA NA C < Adjustments Applied after Cap Loan Amount Purchase Refinance Subordinate Financing <$50, Excludes Community Seconds $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) Attached Condo > 75 (>15yr Term) $200,000 - $249,999 (0.125) (0.250) Misc Manufacured Home $250,000 - $299,999 (0.125) (0.250) $300,000 - Conforming Limit (0.125) (0.250) > 85 High Balance Number Of Units 2 Units Escrow Waiver (Full or Taxes Only) units Manufactured Home Low to Moderate Income** (0.500) 30, 45 & 60 Day Lock Purchase Special (0.250) Very Low Income Program (VLIP)*** (2.000) FICO > 80% *Some adjustment details may not appear when pricing through the portal, however the final price will Adjustment Caps < 680 > 80% match the rate sheet All 80% **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. Max YSP ***Applies to Home Possible Very Low Income Program only. Income Restrictions apply. Cannot combine with LMI. Page 9

10 as of 3/15/2019 9:36 AM Fannie Mae 3-1 ARM (2-2-6) Fannie Mae 5-1 ARM (2-2-5) Fannie Mae 7-1 ARM (5-2-5) N/A N/A N/A N/A N/A (3.447) (3.257) (3.171) (2.984) (2.642) (2.475) (2.420) (2.268) N/A N/A N/A N/A N/A (3.108) (2.923) (2.842) (2.661) (2.361) (2.194) (2.139) (1.987) N/A N/A N/A N/A N/A (2.608) (2.427) (2.351) (2.175) (2.064) (1.897) (1.842) (1.690) N/A N/A N/A N/A N/A (2.352) (2.176) (2.105) (1.934) (1.704) (1.538) (1.483) (1.331) N/A N/A N/A N/A N/A (2.097) (1.926) (1.859) (1.693) (1.347) (1.180) (1.125) (0.973) N/A N/A N/A N/A N/A (1.781) (1.614) (1.553) (1.391) (0.995) (0.828) (0.774) (0.621) N/A N/A N/A N/A N/A (1.424) (1.262) (1.206) (1.049) (0.965) (0.798) (0.744) (0.591) N/A N/A N/A N/A N/A (1.129) (0.971) (0.920) (0.768) (0.631) (0.464) (0.409) (0.257) N/A N/A N/A N/A N/A (1.099) (0.941) (0.890) (0.738) (0.217) (0.050) N/A N/A N/A N/A N/A (0.833) (0.680) (0.634) (0.487) N/A N/A N/A N/A N/A (0.538) (0.389) (0.348) (0.206) Fannie Mae 10-1 ARM (5-2-5) Fannie Mae 5-1 ARM (2-2-5) High Balance Fannie Mae 7-1 ARM (5-2-5) High Balance (3.710) (3.515) (3.424) (3.233) (3.447) (3.257) (3.171) (2.984) (2.361) (2.194) (2.139) (1.987) (3.579) (3.389) (3.303) (3.116) (3.108) (2.923) (2.842) (2.661) (2.064) (1.897) (1.842) (1.690) (3.121) (2.936) (2.855) (2.674) (2.608) (2.427) (2.351) (2.175) (1.704) (1.538) (1.483) (1.331) (2.448) (2.267) (2.191) (2.015) (2.352) (2.176) (2.105) (1.934) (1.347) (1.180) (1.125) (0.973) (2.102) (1.925) (1.854) (1.683) (2.097) (1.926) (1.859) (1.693) (0.995) (0.828) (0.774) (0.621) (1.793) (1.627) (1.572) (1.420) (1.781) (1.614) (1.553) (1.391) (0.631) (0.464) (0.409) (0.257) (1.411) (1.244) (1.189) (1.037) (1.424) (1.262) (1.206) (1.049) (0.217) (0.050) (1.003) (0.836) (0.781) (0.629) (1.129) (0.971) (0.920) (0.768) (0.603) (0.445) (0.393) (0.241) (0.833) (0.680) (0.634) (0.487) (0.234) (0.080) (0.033) (0.538) (0.389) (0.348) (0.206) (0.242) (0.098) (0.062) Fannie Mae 10-1 ARM (5-2-5) High Balance 15 Day 30 Day 45 Day 60 Day (3.710) (3.515) (3.424) (3.233) (3.579) (3.389) (3.303) (3.116) (3.121) (2.936) (2.855) (2.674) (2.448) (2.267) (2.191) (2.015) (2.102) (1.925) (1.854) (1.683) (1.793) (1.627) (1.572) (1.420) (1.411) (1.244) (1.189) (1.037) (1.003) (0.836) (0.781) (0.629) (0.603) (0.445) (0.393) (0.241) (0.234) (0.080) (0.033) All Conforming ARMs (Does not include DU Refi Plus) Fannie Mae - ARM Products Loan Level Price Adjustments < >= 760 <= 60 NA NA NA NA NA NA NA NA Cash-Out <= 60 NA NA NA Lender Paid MI Adjustmen ts Premium Adjustmen ts Adjustmen ts < Rate & Term Refi NA Manufactured Home NA nd Home NA Unit NA Non Owner Occupied NA <= 85 NA NA NA NA Subordinate Financing Excludes Community Seconds Non Owner Occupied Misc C < 720 >= 720 Loan Amount Purchase Refinance <= <$50, $50,000 - $99, $100,000 - $149,999 ALL ALL Loan Size $150,000 - $199,999 Adjustments $200,000 - $249,999 $250,000 - $299,999 <= $300,000 - Conforming Limit High Balance > Purch - R/T Refi. > High Balance 2-4 Units C/O Refi. Manufactured Home > Attached Condo > 75 Escrow Waiver (Full or Taxes Only) Escrow Waiver (Insurance Only) , 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. *Escrow Waiver penalty does not apply in DC with an <= Max YSP Margin 2.250% Please view 'State Adjustments' page for additional adjustments. Page 10

11 as of 3/15/2019 9:36 AM Freddie Mac 3-1 ARM (2-2-6) Freddie Mac 5-1 ARM (2-2-5) Freddie Mac 7-1 ARM (5-2-5) N/A N/A N/A N/A N/A (3.447) (3.257) (3.171) (2.984) (2.642) (2.475) (2.420) (2.268) N/A N/A N/A N/A N/A (3.108) (2.923) (2.842) (2.661) (2.361) (2.194) (2.139) (1.987) N/A N/A N/A N/A N/A (2.608) (2.427) (2.351) (2.175) (2.064) (1.897) (1.842) (1.690) N/A N/A N/A N/A N/A (2.352) (2.176) (2.105) (1.934) (1.704) (1.538) (1.483) (1.331) N/A N/A N/A N/A N/A (2.097) (1.926) (1.859) (1.693) (1.347) (1.180) (1.125) (0.973) N/A N/A N/A N/A N/A (1.781) (1.614) (1.553) (1.391) (0.995) (0.828) (0.774) (0.621) N/A N/A N/A N/A N/A (1.424) (1.262) (1.206) (1.049) (0.965) (0.798) (0.744) (0.591) N/A N/A N/A N/A N/A (1.129) (0.971) (0.920) (0.768) (0.631) (0.464) (0.409) (0.257) N/A N/A N/A N/A N/A (1.099) (0.941) (0.890) (0.738) (0.217) (0.050) N/A N/A N/A N/A N/A (0.833) (0.680) (0.634) (0.487) N/A N/A N/A N/A N/A (0.538) (0.389) (0.348) (0.206) Freddie Mac 10-1 ARM (5-2-5) Freddie Mac 5-1 ARM (2-2-5) Super Conforming Freddie Mac 7-1 ARM (5-2-5) Super Conforming (3.710) (3.515) (3.424) (3.233) (3.447) (3.257) (3.171) (2.984) (2.361) (2.194) (2.139) (1.987) (3.579) (3.389) (3.303) (3.116) (3.108) (2.923) (2.842) (2.661) (2.064) (1.897) (1.842) (1.690) (3.121) (2.936) (2.855) (2.674) (2.608) (2.427) (2.351) (2.175) (1.704) (1.538) (1.483) (1.331) (2.448) (2.267) (2.191) (2.015) (2.352) (2.176) (2.105) (1.934) (1.347) (1.180) (1.125) (0.973) (2.102) (1.925) (1.854) (1.683) (2.097) (1.926) (1.859) (1.693) (0.995) (0.828) (0.774) (0.621) (1.793) (1.627) (1.572) (1.420) (1.781) (1.614) (1.553) (1.391) (0.631) (0.464) (0.409) (0.257) (1.411) (1.244) (1.189) (1.037) (1.424) (1.262) (1.206) (1.049) (0.217) (0.050) (1.003) (0.836) (0.781) (0.629) (1.129) (0.971) (0.920) (0.768) (0.603) (0.445) (0.393) (0.241) (0.833) (0.680) (0.634) (0.487) (0.234) (0.080) (0.033) (0.538) (0.389) (0.348) (0.206) (0.242) (0.098) (0.062) Freddie Mac 10-1 ARM (5-2-5) Super Conforming 15 Day 30 Day 45 Day 60 Day (3.710) (3.515) (3.424) (3.233) (3.579) (3.389) (3.303) (3.116) (3.121) (2.936) (2.855) (2.674) (2.448) (2.267) (2.191) (2.015) (2.102) (1.925) (1.854) (1.683) (1.793) (1.627) (1.572) (1.420) (1.411) (1.244) (1.189) (1.037) (1.003) (0.836) (0.781) (0.629) (0.603) (0.445) (0.393) (0.241) (0.234) (0.080) (0.033) All Conforming ARMs (Does not include LP Open Access) Freddie Mac ARM Products Loan Level Price Adjustments < >= 760 <= 60 NA NA NA NA NA NA NA Cash-Out <= 60 NA NA NA NA NA NA NA NA NA NA Lender Paid MI Adjustme nts Premium Adjustme nts Adjustme nts < Rate & Term Refi NA Manufactured Home NA nd Home NA Unit NA Non Owner Occupied NA Cash Out NA NA NA NA NA NA NA <= 85 NA NA 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 < 720 >= 720 $100,000 - $149,999 <=75 <= Loan Size $150,000 - $199,999 <= Adjustments $200,000 - $249, $250,000 - $299, $300,000 - Conforming Limit Condo > 75 (>15yr Term) High Balance > Escrow Waiver (Full or Taxes Only) Purchase & Rate/Term Refi <= Escrow Waiver (Insurance Only) Purchase & Rate/Term Refi > Super Conforming Manufactured Home (High Bal - Not Permitted) Cash Out <= <= Cash Out > > , 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. *Escrow Waiver penalty does not apply in DC with an <= Max YSP Margin 2.250% Please view 'State Adjustments' page for additional adjustments. Page 11

12 High Balance Extra Pricing Effective: 3/15/ :36 AM High Balance Extra 30 Yr Fixed Rate 15 Day 30 Day 45 Day 60 Day (3.358) (3.233) (3.108) (2.983) (3.108) (2.983) (2.858) (2.733) (2.858) (2.733) (2.608) (2.483) (2.608) (2.483) (2.358) (2.233) (2.358) (2.233) (2.108) (1.983) (2.108) (1.983) (1.858) (1.733) (1.858) (1.733) (1.608) (1.483) (1.608) (1.483) (1.358) (1.233) (1.358) (1.233) (1.108) (0.983) (1.108) (0.983) (0.858) (0.733) (0.858) (0.733) (0.608) (0.483) (0.608) (0.483) (0.358) (0.233) (0.358) (0.233) (0.108) (0.108) Pricing Adjustments All High Balance Extra Loans <= >= NA NA NA NA Cashout (adjustments are cumulative) >= NA NA NA NA NA NA NA NA NA NA NA NA NA NA Sub Financing (adjustments are cumulative) C < 720 >= 720 <= Max Price

13 Jumbo Series C as of 03/15/2019 9:36 AM 5/1 ARM 15 Yr Fixed 15/30/45 Day 60 Day 15/30/45 Day 60 Day (1.570) (1.320) (1.260) (1.010) (1.570) (1.320) (1.260) (1.010) (1.570) (1.320) (1.260) (1.010) (1.495) (1.245) (1.260) (1.010) (1.120) (0.870) (0.810) (0.560) (0.780) (0.530) (0.260) (0.010) (0.430) (0.180) (0.070) Max Price Max Price to 85 No PMI ARM >1,000,000 <= 1,500,000 ARM >1,500,000 <= 2,000,000 Fixed >1,250,000 <= 2,000,000 2nd Home Cashout >=740, <=60 Cashout >=740, >60 & <=70 Cashout >=740, >70 & <=75 Cashout >=720 & <740, <=60 Cashout >=720 & <740, >60 & <=70 Cashout >=720 & <740, >70 & <=75 Escrow Waiver Adjustments Price Adjustment Rate Adjustment Please view 'State Adjustments' page for additional adjustments. Product Not Available in Arizona, California, Michigan or Nevada. Pricing is subject to change without notice. NewRezWholesale.com Page 13

14 National Wholesale Rate Sheet Jumbo Series D as of 3/15/2019 8:37 AM Jumbo D - 30 Yr Fixed Jumbo D - 20 Yr Fixed Jumbo D - 15 Yr Fixed (4.749) (4.686) (4.624) (4.561) (4.981) (4.919) (4.856) (4.794) (0.929) (0.867) (0.804) (0.742) (4.233) (4.170) (4.108) (4.045) (4.505) (4.443) (4.380) (4.318) (0.541) (0.479) (0.416) (0.354) (3.719) (3.656) (3.594) (3.531) (4.032) (3.970) (3.907) (3.845) (0.380) (0.318) (0.255) (0.193) (3.335) (3.272) (3.210) (3.147) (3.555) (3.492) (3.430) (3.367) (2.862) (2.799) (2.737) (2.674) (3.082) (3.019) (2.957) (2.894) (2.400) (2.337) (2.275) (2.212) (2.650) (2.588) (2.525) (2.463) (1.939) (1.877) (1.814) (1.752) (2.220) (2.158) (2.095) (2.033) (1.725) (1.663) (1.600) (1.538) (1.927) (1.865) (1.802) (1.740) (1.285) (1.222) (1.160) (1.097) (1.487) (1.425) (1.362) (1.300) (0.859) (0.796) (0.734) (0.671) (1.074) (1.011) (0.949) (0.886) (0.422) (0.359) (0.297) (0.234) (0.648) (0.586) (0.523) (0.461) (0.141) (0.078) (0.016) (0.318) (0.256) (0.193) (0.131) Jumbo Series D Adjustments State Adjustments % --> < = State LLPA State LLPA State LLPA >= 800 (0.500) (0.500) (0.500) (0.250) (0.125) AK KY OH (0.500) (0.500) (0.500) (0.125) AL LA OK (0.040) (0.500) (0.375) (0.375) AR (0.020) MA OR FICO (0.375) (0.250) (0.250) AZ MD PA (0.250) (0.125) CA ME RI (0.020) CO MI (0.050) SC CT MN (0.020) SD DC MO (0.040) TN FICO/ Adjustments - Loan Amount > $1MM DE MT (0.020) TX (0.050) % --> < = FL NC UT >= 800 (0.375) (0.250) GA (0.010) ND VA (0.375) (0.250) HI NE VT (0.375) (0.125) IA (0.050) NH (0.010) WA FICO (0.250) ID NJ WI (0.040) IL NM WV (0.020) IN NV WY n/a n/a n/a n/a n/a KS NY (0.050) Feature Adjustments Max Price % --> < = /30 Yr Fixed Condo Yr Fixed nd Home n/a n/a Investment n/a n/a n/a Cashout n/a n/a n/a 2-Unit n/a n/a n/a 3-4 Unit n/a n/a n/a Escrow Waiver - except CA Pricing is subject to change without notice NewRezWholesale.com (866) Page 14

15 3/15/2019 7:00 AM Jumbo Series F Jumbo F - 20/25/30 Yr Fixed - s > 80.00% Jumbo F - 10/15 Yr Fixed (2.747) (2.552) (2.356) (2.176) (1.317) (1.116) (0.914) (0.730) (1.803) (1.669) (1.526) (1.401) (2.466) (2.271) (2.075) (1.895) (0.912) (0.704) (0.497) (0.308) (1.615) (1.481) (1.338) (1.213) (2.220) (2.025) (1.829) (1.649) (0.518) (0.310) (0.101) (1.426) (1.292) (1.149) (1.024) (1.898) (1.696) (1.495) (1.311) (0.081) (1.300) (1.166) (1.023) (0.898) (1.547) (1.339) (1.131) (0.943) (1.100) (0.966) (0.823) (0.698) (1.193) (0.984) (0.775) (0.586) (0.838) (0.700) (0.552) (0.423) (0.818) (0.608) (0.398) (0.208) (0.534) (0.395) (0.246) (0.116) (0.402) (0.196) (0.172) (0.032) Jumbo F - 10/1 LIBOR ARM 2/2/5 Jumbo F - 7/1 LIBOR ARM 2/2/5 Jumbo F - 5/1 LIBOR ARM 2/2/ (2.246) (2.115) (1.978) (1.855) (1.823) (1.707) (1.588) (1.481) (1.814) (1.713) (1.612) (1.520) (2.015) (1.884) (1.747) (1.624) (1.679) (1.563) (1.444) (1.337) (1.689) (1.588) (1.487) (1.395) (1.732) (1.601) (1.464) (1.341) (1.475) (1.359) (1.240) (1.133) (1.564) (1.463) (1.362) (1.270) (1.467) (1.336) (1.199) (1.076) (1.251) (1.135) (1.016) (0.909) (1.407) (1.306) (1.205) (1.113) (1.160) (1.029) (0.892) (0.769) (1.028) (0.912) (0.793) (0.686) (1.219) (1.118) (1.017) (0.925) (0.722) (0.588) (0.445) (0.320) (0.774) (0.655) (0.532) (0.422) (0.999) (0.898) (0.797) (0.705) (0.239) (0.101) (0.431) (0.310) (0.184) (0.072) (0.750) (0.649) (0.548) (0.456) (0.014) (0.507) (0.403) (0.299) (0.205) (0.253) (0.148) (0.044) Jumbo Series F Adjustments /FICO Adjustments Loan Amount Adjustments Purchase Transactions C --> C --> $1MM (0.750) (0.625) (0.375) (0.125) NA NA $1M - $1.5M (0.750) (0.750) (0.625) (0.375) (0.250) $1.5M - $2M NA NA NA (0.875) (0.875) (0.750) (0.625) (0.375) (0.125) (0.375) (0.125) $2M - $2.5M NA NA NA NA (0.875) (0.875) (0.875) (0.750) (0.625) (0.500) (0.375) (0.625) (0.500) 780 (1.000) (0.875) (0.875) (0.875) (0.750) (0.625) (0.500) (0.875) (0.750) Feature Adjustments R/T Refinance Transactions C --> C --> Unit NA NA NA NA (0.500) (0.375) (0.125) NA NA 3-4 Unit NA NA NA NA (0.500) (0.500) (0.375) (0.125) nd Home NA NA (0.750) (0.625) (0.500) (0.375) (0.125) Investment NA NA NA NA (0.750) (0.750) (0.625) (0.500) (0.375) (0.250) (0.125) (0.250) Escrow Waiver (0.750) (0.750) (0.750) (0.625) (0.500) (0.375) (0.250) (0.625) (0.375) Sub Fin C/O Refinance Transactions Product Adjustments C --> (0.375) (0.250) NA NA NA NA C --> (0.375) (0.375) (0.250) NA NA NA NA 5 yr Hybrid NA NA (0.625) (0.500) (0.375) (0.250) NA NA NA NA 7 yr Hybrid NA NA (0.625) (0.625) (0.500) (0.375) (0.250) NA NA NA NA 10 yr Hybrid NA NA 780 (0.625) (0.625) (0.625) (0.500) (0.375) NA NA NA NA 15 yr Fixed NA NA 20 yr Fixed (add 30 yr) State Adjustments 30 yr Fixed C --> Special Adjustments ( ) FL, NV CA C --> QM Fix - Non CA (0.375) (0.375) (0.375) (0.375) (0.375) (0.375) (0.375) Max Price QM Fixed - CA (0.250) (0.250) (0.250) (0.250) (0.250) (0.125) QM ARM - CA NA NA 30 yr Fixed 30 Yr Fixed 15 yr 7 yr 5 yr 10 yr Hybrid 80% > 80% Fixed Hybrid Hybrid 1,000,000 (2.375) (1.875) (1.875) (1.625) (1.250) (1.250) > 1,000,000 (1.875) (1.375) (1.625) (1.375) (1.125) (1.125) Page 15

16 3/15/ :00 AM Jumbo Series H Jumbo H - 30 Yr Fixed - Purchase Jumbo H - 15 Yr Fixed - Purchase Jumbo H - 5/1 Yr ARM 2/2/5 - Purchase (4.931) (4.896) (4.771) (4.646) (4.689) (4.654) (4.529) (4.404) (4.077) (4.042) (3.917) (3.792) (4.556) (4.521) (4.396) (4.271) (4.439) (4.404) (4.279) (4.154) (3.827) (3.792) (3.667) (3.542) (4.306) (4.271) (4.146) (4.021) (4.189) (4.154) (4.029) (3.904) (3.452) (3.417) (3.292) (3.167) (3.931) (3.896) (3.771) (3.646) (3.939) (3.904) (3.779) (3.654) (3.077) (3.042) (2.917) (2.792) (3.681) (3.646) (3.521) (3.396) (3.564) (3.529) (3.404) (3.279) (2.702) (2.667) (2.542) (2.417) (3.181) (3.146) (3.021) (2.896) (3.189) (3.154) (3.029) (2.904) (2.327) (2.292) (2.167) (2.042) (2.806) (2.771) (2.646) (2.521) (2.814) (2.779) (2.654) (2.529) (1.952) (1.917) (1.792) (1.667) (2.306) (2.271) (2.146) (2.021) (2.439) (2.404) (2.279) (2.154) (1.452) (1.417) (1.292) (1.167) (1.931) (1.896) (1.771) (1.646) (2.064) (2.029) (1.904) (1.779) (1.077) (1.042) (0.917) (0.792) (1.306) (1.271) (1.146) (1.021) (1.689) (1.654) (1.529) (1.404) (0.577) (0.542) (0.417) (0.292) (0.806) (0.771) (0.646) (0.521) (1.189) (1.154) (1.029) (0.904) (0.202) (0.167) (0.042) (0.181) (0.146) (0.021) (0.814) (0.779) (0.654) (0.529) (0.314) (0.279) (0.154) (0.029) Jumbo H - 7/1 Yr ARM 2/2/5 - Purchase Jumbo H - 10/1 Yr ARM 2/2/5 - Purchase Jumbo H - 30 Yr Fixed - Refinance (3.872) (3.837) (3.712) (3.587) (3.643) (3.608) (3.483) (3.358) (4.681) (4.646) (4.521) (4.396) (3.497) (3.462) (3.337) (3.212) (3.268) (3.233) (3.108) (2.983) (4.306) (4.271) (4.146) (4.021) (3.122) (3.087) (2.962) (2.837) (2.893) (2.858) (2.733) (2.608) (4.056) (4.021) (3.896) (3.771) (2.747) (2.712) (2.587) (2.462) (2.518) (2.483) (2.358) (2.233) (3.681) (3.646) (3.521) (3.396) (2.372) (2.337) (2.212) (2.087) (2.143) (2.108) (1.983) (1.858) (3.431) (3.396) (3.271) (3.146) (1.997) (1.962) (1.837) (1.712) (1.768) (1.733) (1.608) (1.483) (2.931) (2.896) (2.771) (2.646) (1.497) (1.462) (1.337) (1.212) (1.393) (1.358) (1.233) (1.108) (2.556) (2.521) (2.396) (2.271) (1.122) (1.087) (0.962) (0.837) (0.893) (0.858) (0.733) (0.608) (2.056) (2.021) (1.896) (1.771) (0.622) (0.587) (0.462) (0.337) (0.518) (0.483) (0.358) (0.233) (1.681) (1.646) (1.521) (1.396) (0.247) (0.212) (0.087) (0.018) (1.056) (1.021) (0.896) (0.771) (0.556) (0.521) (0.396) (0.271) Jumbo H - 15 Yr Fixed - Refinance Jumbo H - 5/1 Yr ARM 2/2/5 - Refinance Jumbo H - 7/1 Yr ARM 2/2/5 - Refinance (4.439) (4.404) (4.279) (4.154) (3.827) (3.792) (3.667) (3.542) (3.622) (3.587) (3.462) (3.337) (4.189) (4.154) (4.029) (3.904) (3.577) (3.542) (3.417) (3.292) (3.247) (3.212) (3.087) (2.962) (3.939) (3.904) (3.779) (3.654) (3.202) (3.167) (3.042) (2.917) (2.872) (2.837) (2.712) (2.587) (3.689) (3.654) (3.529) (3.404) (2.827) (2.792) (2.667) (2.542) (2.497) (2.462) (2.337) (2.212) (3.314) (3.279) (3.154) (3.029) (2.452) (2.417) (2.292) (2.167) (2.122) (2.087) (1.962) (1.837) (2.939) (2.904) (2.779) (2.654) (2.077) (2.042) (1.917) (1.792) (1.747) (1.712) (1.587) (1.462) (2.564) (2.529) (2.404) (2.279) (1.702) (1.667) (1.542) (1.417) (1.247) (1.212) (1.087) (0.962) (2.189) (2.154) (2.029) (1.904) (1.202) (1.167) (1.042) (0.917) (0.872) (0.837) (0.712) (0.587) (1.814) (1.779) (1.654) (1.529) (0.827) (0.792) (0.667) (0.542) (0.372) (0.337) (0.212) (0.087) (1.439) (1.404) (1.279) (1.154) (0.327) (0.292) (0.167) (0.042) (0.939) (0.904) (0.779) (0.654) (0.564) (0.529) (0.404) (0.279) (0.064) (0.029) Jumbo H - 10/1 Yr ARM 2/2/5 - Refinance Jumbo Series H - Adjustments 15 Day 30 Day 45 Day 60 Day (3.393) (3.358) (3.233) (3.108) State Adjustments (3.018) (2.983) (2.858) (2.733) State 30 Yr Fixed 20 Yr Fixed 15 Yr Fixed 10 Yr Fixed 10/1 ARM 7/1 ARM 5/1 ARM (2.643) (2.608) (2.483) (2.358) CA (0.250) (0.250) (0.125) (0.125) (0.125) (0.125) (0.125) (2.268) (2.233) (2.108) (1.983) CT (0.375) (0.375) (0.375) (0.375) (0.375) (0.500) (0.500) (1.893) (1.858) (1.733) (1.608) DC (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) (1.518) (1.483) (1.358) (1.233) IL (0.250) (0.250) (0.125) (0.125) (0.125) (0.125) (0.125) (1.143) (1.108) (0.983) (0.858) KS (0.250) (0.250) (0.125) (0.125) (0.125) (0.125) (0.125) (0.643) (0.608) (0.483) (0.358) MD (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) (0.268) (0.233) (0.108) MO (0.250) (0.250) (0.125) (0.125) (0.125) (0.125) (0.125) NJ (0.375) (0.375) (0.375) (0.375) (0.375) (0.500) (0.500) NY (0.375) (0.375) (0.375) (0.375) (0.375) (0.500) (0.500) VA (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) Credit Score > (0.125) (0.375) (0.125) Product Highlights (0.500) (0.375) (0.125) Max Min FICO Max (0.625) (0.500) (0.375) (0.125) Purchase/Rate Term Fixed/Arms Loan Size 800+ (0.750) (0.625) (0.500) (0.375) Primary Residence 80% 700 /720 $1.5MM Second Home 80% 700 /720 $1.5MM Other Adjustments Loan Size Loan Amount >=$1MM Cash Out Occupancy Second Home Primary Residence 70% 720 $1.5MM <= Other notes: 10 & 20 Yr Fixed products also available. Purpose Cash Out Refi > Appraisals must be ordered through Clear Capital. Page 16

17 as of 3/15/19 8:55:44 AM Jumbo Series I Jumbo I - 30 Yr Fixed Jumbo I - 15 Yr Fixed Jumbo I - 10/1 LIBOR ARM 5/2/ (3.799) (3.679) (3.559) (3.440) (3.754) (3.645) (3.535) (3.426) (2.035) (1.942) (1.848) (1.754) (3.507) (3.393) (3.278) (3.164) (3.453) (3.349) (3.245) (3.140) (1.603) (1.515) (1.426) (1.338) (3.150) (3.041) (2.931) (2.822) (3.096) (2.997) (2.898) (2.799) (1.124) (1.041) (0.957) (0.874) (2.740) (2.636) (2.531) (2.427) (2.698) (2.604) (2.510) (2.416) (0.614) (0.535) (0.457) (0.379) (2.289) (2.190) (2.091) (1.992) (2.275) (2.186) (2.098) (2.009) (0.072) (1.809) (1.716) (1.622) (1.528) (1.842) (1.759) (1.676) (1.592) (1.315) (1.226) (1.138) (1.049) (1.410) (1.332) (1.254) (1.176) (0.817) (0.734) (0.651) (0.567) (0.965) (0.892) (0.820) (0.747) (0.310) (0.232) (0.154) (0.075) (0.496) (0.428) (0.360) (0.292) Jumbo I - 7/1 LIBOR ARM 5/2/5 Jumbo I - 5/1 LIBOR ARM 5/2/5 15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day (3.406) (3.302) (3.198) (3.094) (3.330) (3.226) (3.122) (3.017) (3.302) (3.203) (3.104) (3.005) (3.048) (2.949) (2.850) (2.751) (3.104) (3.011) (2.917) (2.823) (2.726) (2.632) (2.538) (2.445) (2.828) (2.740) (2.651) (2.563) (2.374) (2.286) (2.197) (2.109) (2.490) (2.406) (2.323) (2.240) (2.002) (1.919) (1.835) (1.752) (2.104) (2.026) (1.948) (1.870) (1.618) (1.540) (1.462) (1.384) (1.688) (1.615) (1.542) (1.469) (1.233) (1.160) (1.087) (1.014) (1.255) (1.188) (1.120) (1.052) (0.823) (0.755) (0.687) (0.620) (0.800) (0.737) (0.675) (0.612) (0.378) (0.315) (0.253) (0.190) (0.313) (0.255) (0.198) (0.141) Jumbo Series I Adjustments Fixed Adjustments Credit Score ARM Adjustments Credit Score C --> C --> < N/A N/A N/A < N/A N/A N/A (0.125) (0.250) (0.125) (0.125) (0.375) (0.250) (0.125) (0.250) (0.125) (0.500) (0.375) (0.250) (0.375) (0.250) (0.125) Loan Amount Loan Amount C --> C --> $1MM (0.250) (0.125) $1MM (0.250) (0.125) $1MM - $1.5MM (0.125) $1MM - $1.5MM (0.125) $1.5MM - $2MM N/A N/A $1.5MM - $2MM N/A N/A $2MM - $2.5MM N/A N/A $2MM - $2.5MM N/A N/A Purpose/Property Type Purpose/Property Type C --> C --> nd Home N/A 2nd Home N/A Purchase (15 Yr Fixed ONLY) (0.125) (0.125) (0.125) (0.125) Purchase (0.125) (0.125) (0.125) (0.125) C/O Refinance N/A C/O Refinance N/A 2-4 Unit Unit DTI > 40% DTI > 40% Other Adjustments Escrow Waiver Excluding CA, NC, DC, NY Yr Fixed Purchase (0.250) Maximum Prices 30 Year Fixed Products (1.750) 7 and 10 Year ARM Products (1.375) 15 Year Fixed Products (1.500) 5 Year ARM Products (1.375) Please view 'State Adjustments' page for additional adjustments. Page 17

18 3/15/2019 7:00 AM Jumbo J - 20/25/30 Yr Fixed - QM Jumbo J - 10/15 Yr Fixed - QM Jumbo J - 10/1 LIBOR ARM 2/2/5 - QM (7.349) (7.154) (6.958) (6.778) (5.609) (5.474) (5.332) (5.206) (6.970) (6.840) (6.702) (6.579) (6.981) (6.786) (6.590) (6.410) (5.336) (5.202) (5.059) (4.933) (6.631) (6.501) (6.363) (6.240) (6.613) (6.417) (6.222) (6.042) (5.064) (4.929) (4.787) (4.661) (6.292) (6.161) (6.024) (5.901) (6.244) (6.049) (5.854) (5.674) (4.791) (4.657) (4.514) (4.388) (5.952) (5.822) (5.685) (5.562) (5.876) (5.681) (5.486) (5.305) (4.519) (4.384) (4.242) (4.116) (5.613) (5.483) (5.345) (5.223) (5.508) (5.313) (5.117) (4.937) (4.246) (4.112) (3.969) (3.843) (5.274) (5.144) (5.006) (4.884) (5.140) (4.944) (4.749) (4.569) (3.974) (3.839) (3.697) (3.571) (4.935) (4.805) (4.667) (4.545) (4.772) (4.576) (4.381) (4.201) (3.701) (3.567) (3.424) (3.298) (4.596) (4.466) (4.328) (4.205) (4.403) (4.208) (4.013) (3.833) (3.429) (3.295) (3.152) (3.026) (4.257) (4.127) (3.989) (3.866) (4.035) (3.840) (3.645) (3.464) (3.156) (3.022) (2.879) (2.753) (3.918) (3.788) (3.650) (3.527) (3.629) (3.434) (3.238) (3.058) (2.860) (2.725) (2.582) (2.457) (3.560) (3.430) (3.292) (3.170) (3.191) (2.995) (2.800) (2.620) (2.542) (2.408) (2.265) (2.140) (3.188) (3.058) (2.920) (2.797) (2.726) (2.531) (2.335) (2.155) (2.208) (2.074) (1.931) (1.805) (2.803) (2.672) (2.535) (2.412) (2.239) (2.043) (1.848) (1.668) (1.860) (1.726) (1.583) (1.457) (2.407) (2.276) (2.139) (2.016) (1.733) (1.538) (1.342) (1.162) (1.500) (1.366) (1.223) (1.097) (2.001) (1.871) (1.733) (1.611) (1.212) (1.017) (0.821) (0.641) (1.130) (0.996) (0.853) (0.727) (1.588) (1.457) (1.320) (1.197) (0.678) (0.482) (0.287) (0.107) (0.752) (0.617) (0.475) (0.349) (1.166) (1.036) (0.898) (0.775) (0.121) (0.365) (0.231) (0.088) (0.737) (0.607) (0.469) (0.347) (0.250) (0.120) Jumbo J - 7/1 LIBOR ARM 2/2/5 - QM Jumbo J - 5/1 LIBOR ARM 2/2/5 - QM 15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day (5.468) (5.353) (5.234) (5.126) (4.641) (4.540) (4.439) (4.347) (5.208) (5.092) (4.973) (4.865) (4.429) (4.328) (4.228) (4.135) (4.947) (4.831) (4.712) (4.605) (4.217) (4.116) (4.016) (3.923) (4.686) (4.570) (4.451) (4.344) (4.005) (3.904) (3.804) (3.712) (4.425) (4.310) (4.190) (4.083) (3.793) (3.693) (3.592) (3.500) (4.164) (4.049) (3.929) (3.822) (3.581) (3.481) (3.380) (3.288) (3.903) (3.788) (3.669) (3.561) (3.370) (3.269) (3.168) (3.076) (3.643) (3.527) (3.408) (3.300) (3.158) (3.057) (2.956) (2.864) (3.382) (3.266) (3.147) (3.040) (2.946) (2.845) (2.744) (2.652) (3.121) (3.005) (2.886) (2.779) (2.734) (2.633) (2.532) (2.440) (2.839) (2.723) (2.604) (2.497) (2.507) (2.407) (2.306) (2.214) (2.539) (2.423) (2.304) (2.197) (2.269) (2.168) (2.067) (1.975) (2.224) (2.108) (1.989) (1.882) (2.020) (1.919) (1.819) (1.727) (1.897) (1.781) (1.662) (1.555) (1.763) (1.662) (1.562) (1.470) (1.559) (1.444) (1.325) (1.217) (1.499) (1.398) (1.298) (1.205) (1.213) (1.098) (0.978) (0.871) (1.229) (1.128) (1.027) (0.935) (0.859) (0.744) (0.625) (0.517) (0.953) (0.852) (0.751) (0.659) (0.497) (0.382) (0.262) (0.155) (0.665) (0.564) (0.464) (0.371) (0.134) (0.018) (0.377) (0.277) (0.176) (0.084) (0.077) /FICO Adjustments Jumbo Series J - QM Jumbo Series J - QM Adjustments Loan Amount Adjustments Purchase Transactions C --> C --> $1MM (0.125) NA NA $1M - $1.5M NA NA (0.375) (0.125) $1.5M - $2M NA NA NA (0.500) (0.375) (0.125) $2M - $2.5M NA NA NA NA NA NA NA NA NA (0.625) (0.500) (0.375) (0.250) (0.125) (0.625) (0.625) (0.500) (0.375) (0.250) (0.125) Feature Adjustments (0.625) (0.625) (0.625) (0.500) (0.375) (0.250) (0.750) (0.625) (0.625) (0.625) (0.500) (0.375) (0.125) C --> Unit R/T Refinance Transactions 3-4 Unit NA NA NA C --> nd Home NA NA NA NA Investment NA NA NA (0.250) Escrow Waiver (0.375) (0.250) Sub Fin (0.375) (0.375) (0.250) (0.625) (0.500) (0.375) (0.250) Product Adjustments (0.625) (0.500) (0.500) (0.375) (0.250) (0.625) (0.625) (0.500) (0.500) (0.375) (0.125) C --> yr Hybrid C/O Refinance Transactions 7 yr Hybrid C --> yr Hybrid NA NA 15 yr Fixed NA NA 20 yr Fixed (add 30 yr) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) NA NA 30 yr Fixed (0.125) NA NA (0.125) NA NA Max Price (0.250) (0.125) NA NA 780 (0.250) (0.250) (0.125) NA NA 30 Yr Fixed 15 Yr Fixed 10/1 ARM 7/1 ARM 5/1 ARM State Adjustments 1,000,000 > 1,000,000 C --> FL, NV (1.500) (1.250) (1.000) (1.000) (1.000) (1.000) (0.875) (0.875) (0.875) (0.875) Page 18

19 Page 19 Dream Big Jumbo As of 3/15/2019 9:36 AM 20/25/30 Yr Fixed Rate 15 Yr Fixed Rate Jumbo 5/1 ARM - 2/2/ (2.916) (2.791) (2.666) (2.541) (1.859) (1.796) (1.734) (1.609) (2.327) (2.265) (2.202) (2.077) (2.649) (2.524) (2.399) (2.274) (1.631) (1.568) (1.506) (1.381) (1.946) (1.884) (1.821) (1.696) (2.372) (2.247) (2.122) (1.997) (1.403) (1.340) (1.278) (1.153) (1.566) (1.504) (1.441) (1.316) (2.073) (1.948) (1.823) (1.698) (1.175) (1.112) (1.050) (0.925) (1.186) (1.124) (1.061) (0.936) (1.767) (1.642) (1.517) (1.392) (0.919) (0.856) (0.794) (0.669) (0.807) (0.744) (0.682) (0.557) (1.470) (1.345) (1.220) (1.095) (0.461) (0.399) (0.336) (0.211) (0.427) (0.365) (0.302) (0.177) (1.165) (1.040) (0.915) (0.790) (0.005) (0.048) (0.792) (0.667) (0.542) (0.417) (0.454) (0.329) (0.204) (0.079) (0.097) Jumbo 7/1 ARM - 5/2/5 Jumbo 10/1 ARM - 5/2/5 15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day (1.606) (1.544) (1.481) (1.356) (2.104) (2.041) (1.979) (1.854) (1.538) (1.476) (1.413) (1.288) (2.029) (1.966) (1.904) (1.779) (1.411) (1.349) (1.286) (1.161) (1.886) (1.824) (1.761) (1.636) (1.226) (1.164) (1.101) (0.976) (1.677) (1.615) (1.552) (1.427) (0.985) (0.922) (0.860) (0.735) (1.404) (1.341) (1.279) (1.154) (0.688) (0.626) (0.563) (0.438) (1.068) (1.005) (0.943) (0.818) (0.339) (0.276) (0.214) (0.089) (0.671) (0.609) (0.546) (0.421) (0.217) (0.154) (0.092) Adjustments Based Adjustments for 20/25/30 Yr Fixed Jumbo Products Rate Adjustments (Increase to rate) Higher of /C ---> <= /25/30 Yr Fixed Only (0.375) (0.375) (0.250) (0.125) Delayed Financing FICO Non Owner Occupied > 80 No MI Higher of /C ---> FICO (0.375) (0.375) (0.250) (0.125) Non-Warrantable Condo (0.500) (0.500) (0.375) (0.250) (0.250) (0.500) (0.500) (0.375) (0.250) (0.250) Max Price (0.500) (0.500) (0.375) (0.375) (0.375) (0.125) /25/30 Yr Fixed >=780 (0.500) (0.500) (0.500) (0.500) (0.375) (0.250) Yr Fixed (0.375) (0.375) (0.375) (0.250) (0.250) (0.250) (0.250) 5/1 ARM N/A N/A 7/1 ARM /1 ARM N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Based Adjustments for 15 Yr Fixed and All ARM Jumbo Products Rate Fall-Out Pricing Special <= All Products N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A ARM Info (0.125) (0.125) N/A N/A Index: 1 Year LIBOR (0.250) (0.250) (0.250) (0.125) N/A N/A Margin: 2.250% (0.375) (0.375) (0.375) (0.250) (0.250) (0.125) N/A N/A 5/1 2/2/5 >=780 (0.500) (0.500) (0.500) (0.375) (0.375) (0.250) (0.125) N/A N/A Caps: 7/1 5/2/5 Purchase (0.250) (0.250) (0.250) (0.125) (0.125) N/A N/A 10/1 5/2/5 Cash Out Refinance N/A N/A Loan Amount Purchase Cash Out Refinance Rate & Term Refinance <= $1MM (0.250) (0.250) (0.125) N/A N/A $1M - $1.5M N/A N/A $1.5M - $2M N/A N/A $2M - $2.5M N/A N/A State CA N/A N/A Pricing is subject to change without notice. NewRezWholesale.com (866)