Wholesale Rate Sheet

Transcription

1 Wholesale Rate Sheet Announcements Weekly Turn Times - Effective for May 2 - May 6 Announcement #1- Improved LPMI Adjustments Cutoff Dates: Last Day For Closing This Month Cutoff Date Effective with all locks on or after , new LPMI Adjustments will apply Last day to acknowledge CD (refi) Thursday, April 21, 2016 Please see page 3 & 5 of the rate sheet. Last day to sign to fund and record (refi) Monday, April 25, 2016 Announcement # bps special on High Balance Fixed purchase Loan Registration Turn Times Effective , we are offering a 0.25% improvement to price on High Balance Purchase 2 days fixed purchase loans. This special now ends May 31st Refinance 2 days Underwriting Turn Times Turn Times Purchase Transactions: Initial u/w * Condition u/w Conventional 2-3 days 2-3 days Jumbo Platinum & Gold 2-3 days 3 days Jumbo Port 406 & days 3 days Rate Sheet Index FHA purchase 1-2 days 1-2 days FNMA (Gold) Pg. 2 FNMA (Gold) LLPA's Pg. 3 Refinance Transactions: Initial u/w * Condition u/w FHLMC (Standard) Pg. 4 Conventional 4 days 3-4 days FHLMC (Standard) LLPA's Pg. 5 Jumbo Platinum & Gold 4 days 3-4 days Platinum Jumbo Fixed Pg. 6 Jumbo Port 406 & days 3-4 days Gold Jumbo Fixed & ARM's Pg. 7 FHA refi/streamline 1-2 days 1-2 days Gold Jumbo Plus Fixed - Non-QM Pg. 8 * Condition u/w includes processing time! FHA Pg. 9 Loans in NOI status: condition / re-underwrite review: 4-5 days (purchase and refi) Jumbo Portfolio 5/1 Arm Pg. 10 Jumbo Portfolio 7/1 Arm Pg. 11 CD, Docs & Funding Turn Times Home Equity Line of Credit Pg. 12 Docs (CD to Escrow) 2 days AE Contact Info Pg. 13 Funding 1-2 days Lock Extension Fees & Notes: Minimum Loan amount $125,000 for all terms and products Submissions Desk: submissions@fremontbank.com Locks Desk: locks@fremontbank.com GOLD & Standard: 1st extension 0.015/day - 20 day max; 2nd extension is 0.03/day - 10 day max; Max 2 extensions Send request on lock form to locks@fremontbank.com before 4:00PM PT on day of expiration. Same Day Submission cutoff time is 2:00PM PST. All Jumbo extensions: 5 days ; 10 days ; 15 days ; 20 days +0.40; 30 days (MAX) 0.60 Signed Documents sent back to Livermore Loan Center Platinum Jumbo extension: Submit lock form to locks@fremontbank.com before 4:00PM PT on day of expiration. 2580B Shea Center Drive, Livermore, CA Gold Jumbo extension: Submit lock form to locks@fremontbank.com before 4:00PM PT on day of expiration. No relocks allowed on any JUMBO program.platinum cutoff time; Gold Jumbo cutoff time 4:00PM for new locks Cutoff time for new Jumbo locks(previously submitted): Platinum 4:00PM PT; Gold Jumbo 4:00PM PT Lender Origination fees for LE: Delivery Fee $ 25, Document All Jumbo locks must be credit approval prior to lock, effective Preparation Fee $ 125, Underwriting Fee $800 = $ 950 All FHA extensions: 0.02/day - 30 day max. Min extension is 5 da FHA Origination Fees for LE: Delivery Fee $ 25, Document All FHA relocks: 36bps/ 15days; 66bps/ 30days - 30 day max. Preparation Fee $ 50, Underwriting Fee $ 395 = $ 470 Jumbo Port 5/1 & 7/1 program 406/407 Lock Eligibility: * All Loans, Section B of LE: Flood $5.25, Tax $60 Loans that fit guidelines and are < $1M are lock eligible upon receipt of file submission. Loans > $1M or loans that require a guideline exception must have an 'Approval to Process' to be lock eligible FNMA - Gold Only (Niche) Scenarios: Loss Payee Clause: CPL: Fremont Bank * Using 2nd job job < 2 Yrs but > 1 Yr * C5 appraisal condition rating Fremont Bank Fremont Blvd. * > 6 financed properties when subject is investment or 2nd home ISAOA Fremont, CA P.O. Box 7295 FHLMC - Standard Only (Niche) Scenarios: Fremont, CA * Unpermitted Accessory Unit * Debt to be paid off to qualify that cannot be closed * DTI > 45% + LP Approval For rate lock policy click on: Lock Policy For underwriting guidelines click on: Guidelines Pricing subject to change without notice - NO OFF SHEET PRICING 1 Announcements

2 FNMA (GOLD): Conforming & High Balance Fixed Rate First Mortgages - DU only underwriting Plan Year Fixed Rate Conf Plan Year Fixed Rate Conf Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day (0.896) (0.746) (0.646) (1.350) (1.200) (1.100) (1.715) (1.565) (1.455) (2.057) (1.897) (1.797) (2.565) (2.415) (2.315) (2.781) (2.631) (2.531) (3.284) (3.124) (3.024) (3.503) (3.353) (3.253) (3.802) (3.652) (3.552) (4.114) (3.954) (3.854) (3.900) (3.750) (3.650) (4.572) (4.422) (4.322) (4.040) (3.890) (3.790) (4.759) (4.609) (4.509) (4.682) (4.532) (4.432) (5.168) (5.008) (4.908) (5.220) (5.060) (4.960) (5.623) (5.473) (5.373) (5.618) (5.468) (5.368) (5.999) (5.849) (5.739) (5.695) (5.545) (5.445) (6.363) (6.203) (6.103) Plan Year Fixed Rate Conf Plan Year Fixed Rate Conf Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day (0.758) (0.618) (0.528) (1.249) (1.099) (1.009) (1.629) (1.489) (1.399) (2.194) (2.044) (1.954) (2.186) (2.046) (1.956) (2.642) (2.502) (2.402) (2.753) (2.603) (2.513) (3.100) (2.950) (2.860) (3.202) (3.062) (2.972) (3.443) (3.293) (3.203) (3.554) (3.414) (3.314) (3.720) (3.570) (3.480) (3.651) (3.511) (3.421) (3.882) (3.742) (3.642) (4.049) (3.909) (3.809) (4.211) (4.071) (3.981) (4.358) (4.218) (4.128) (4.470) (4.320) (4.230) (4.616) (4.466) (4.376) (4.669) (4.519) (4.429) Plan Year High Balance Fixed Rate Plan Year High Balance Fixed Rate Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day (1.290) (1.140) (1.040) (1.089) (0.939) (0.849) (1.939) (1.789) (1.689) (1.656) (1.516) (1.426) (2.397) (2.247) (2.147) (2.025) (1.885) (1.795) (2.435) (2.285) (2.185) (2.247) (2.107) (2.017) (2.575) (2.425) (2.325) (2.254) (2.104) (2.014) (2.967) (2.817) (2.717) (2.302) (2.152) (2.062) (3.445) (3.285) (3.185) (2.541) (2.401) (2.301) (3.793) (3.643) (3.533) (2.679) (2.539) (2.439) (3.840) (3.690) (3.590) #N/A #N/A #N/A (3.677) (3.517) (3.417) #N/A #N/A #N/A 2 (FNMA) Gold

3 FNMA (GOLD): Conforming & High Balance LLPA's - DU only underwriting All Eligible Mortgage & LTV LLPAs for loans with terms > than 15 yrs -- Add to Price / LTV <= 60% % % % % % % > < 620 * * A minimum required credit score of 620 applies to all mortgage loans delivered to FNMA in accordance with the Selling Guide. All Eligible Mortgage Cash Out Refis LLPAs for All Loans -- Add to Price / LTV <= 60% % % % % % % > 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 < 620 * N/A N/A N/A All Eligible Mortgage LLPAs (excluding MCM) -- Apply to All Credit Scores -- Add to Price Product Feature/ LTV <= 60% % % % % % % Conf Purchase Special FRM High LTV Investment Property N/A N/A > 4 Financed Properties (a) Unit N/A N/A 3-4 Unit N/A N/A N/A N/A Condo w/ Term > 15 Year (a) > 4 Financed Properties applicable to NOO subject prop only Additional LLPAs -- Apply to credit scores for High Balance FRM & ARM -- Add to Price - LTV/CLTV Product Feature <= 60% % % % % % % High Balance FRM Refi High Balance FRM CashOut N/A N/A N/A High Balance FRM Purchase (1) High Balance Mortgage Loan LLPA's are in addition to All Eligible Mortgage LLPA's above Mortgages with Subordinate Financing -- Add to Price All mortgages with Subordinate Financing* scores LTV CLTV * < 720 >= 720 < 65% % % % % % % % < 95% % * LLPA's in this table are based on CLTV, which does NOT include the undrawn portion of a home equity line of credit Other LTV/CLTV hits are cumulative LPMI Single Premium Adjustments - Effective with Locks after May 3rd 30 Year Fixed & ARM's > 5 Years Base LTV Coverage % % 30% 1.60% 2.22% 2.75% 3.21% 3.94% 5.16% 5.48% 5.83% 90% % 25% 1.20% 1.68% 2.08% 2.49% 3.01% 4.06% 4.22% 4.42% 85% & Under 12% 0.59% 0.72% 0.83% 0.97% 1.13% 1.52% 1.57% 1.62% < 20 Year Fixed 95% % 25% 0.95% 1.24% 1.50% 1.74% 2.08% 2.66% 2.77% 2.91% 90% % 12% 0.59% 0.72% 0.84% 0.95% 1.10% 1.40% 1.43% 1.47% 85% & Under 6% 0.43% 0.47% 0.49% 0.53% 0.58% 0.69% 0.71% 0.72% Premium Adjustments Rate/Term Refinance 0.15% 0.24% 0.30% 0.42% 0.54% 0.69% 0.84% 1.05% Cash Out 0.54% 0.60% 0.70% 0.85% 1.05% 1.50% 1.65% 1.80% Second Home 0.36% 0.39% 0.49% 0.60% 0.70% 1.23% 1.27% 1.35% Loan Amounts > $650, % 0.66% 0.75% 0.90% 1.20% 1.50% 1.80% 2.10% Investment Property 1.02% 1.19% 1.33% 1.50% 1.75% 1.90% 2.00% 2.63% 3 (FNMA) Gold New LLPA

4 FHLMC (Standard): Conforming & High Balance Fixed First Mortgages - LP Only Plan Year Fixed Rate Conf Plan Year Fixed Rate Conf Plan 101 Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day (1.036) (0.896) (0.786) (1.170) (1.000) (0.860) (0.648) (0.538) (0.488) (1.875) (1.715) (1.625) (2.017) (1.847) (1.707) (1.659) (1.519) (1.409) (2.685) (2.525) (2.435) (2.791) (2.631) (2.481) (2.236) (2.096) (1.986) (3.314) (3.164) (3.064) (3.523) (3.353) (3.213) (2.773) (2.633) (2.523) (3.822) (3.662) (3.562) (4.134) (3.964) (3.824) (3.242) (3.092) (2.982) (4.070) (3.900) (3.820) (4.642) (4.472) (4.322) (3.624) (3.474) (3.364) (4.210) (4.040) (3.960) (4.639) (4.459) (4.329) (3.761) (3.611) (3.551) (4.852) (4.682) (4.602) (5.248) (5.068) (4.938) (4.159) (4.009) (3.949) (5.310) (5.140) (5.060) (5.723) (5.543) (5.413) (4.468) (4.318) (4.258) (5.678) (5.518) (5.438) (6.139) (5.959) (5.819) (4.716) (4.566) (4.506) (5.865) (5.695) (5.695) (6.533) (6.353) (6.303) #N/A #N/A #N/A Plan Year High Balance Fixed Rate Plan Year High Balance Fixed Rate Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day (1.090) (0.940) (0.840) (0.889) (0.739) (0.649) (1.739) (1.589) (1.489) (1.456) (1.316) (1.226) (2.197) (2.047) (1.947) (1.825) (1.685) (1.595) (2.235) (2.085) (1.985) (2.047) (1.907) (1.817) (2.375) (2.225) (2.125) (2.054) (1.904) (1.814) (2.767) (2.617) (2.517) (2.102) (1.952) (1.862) (3.245) (3.085) (2.985) (2.341) (2.201) (2.101) (3.593) (3.443) (3.333) (2.479) (2.339) (2.239) (3.640) (3.490) (3.390) #N/A #N/A #N/A (3.477) (3.317) (3.217) #N/A #N/A #N/A FHLMC (Standard): Conforming & High Balance ARM's - LP Only 5/1 LIBOR ARM Conf 7/1 LIBOR ARM Conf Plan 114 Plan 111 Plan 112 Margin Caps 2/2/5 Margin Caps 5/2/5 15 Year Fixed Rate Conf 1 Yr Libor % 10/1 LIBOR ARM Conf Margin Caps 5/2/5 Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day (1.260) (1.135) (1.010) (0.950) (0.825) (0.700) (0.620) (0.495) (0.370) (1.650) (1.525) (1.400) (1.420) (1.295) (1.170) (1.130) (1.005) (0.880) (2.120) (1.995) (1.870) (1.890) (1.765) (1.640) (1.720) (1.595) (1.470) (2.430) (2.305) (2.180) (2.470) (2.345) (2.220) (2.140) (2.015) (1.890) (2.870) (2.745) (2.620) (2.800) (2.675) (2.550) (2.760) (2.635) (2.510) (3.050) (2.925) (2.800) (3.270) (3.145) (3.020) (2.970) (2.845) (2.720) (3.260) (3.135) (3.010) (3.470) (3.345) (3.220) (3.190) (3.065) (2.940) (3.410) (3.285) (3.160) (3.700) (3.575) (3.450) (3.390) (3.265) (3.140) (3.550) (3.425) (3.300) (3.870) (3.745) (3.620) (3.640) (3.515) (3.390) (3.700) (3.575) (3.450) (4.060) (3.935) (3.810) (3.800) (3.675) (3.550) (3.860) (3.735) (3.610) (4.220) (4.095) (3.970) (3.950) (3.825) (3.700) Plan 265 5/1 LIBOR ARM HB Margin 7/1 LIBOR ARM HB 10/1 LIBOR ARM HB Plan 262 Plan Caps 2/2/5 Margin Caps 5/2/5 Margin Caps 5/2/5 Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day (0.260) (0.135) (0.010) (0.430) (0.305) (0.180) (0.650) (0.525) (0.400) (0.890) (0.765) (0.640) (0.120) (1.120) (0.995) (0.870) (1.470) (1.345) (1.220) (0.720) (0.595) (0.470) (1.430) (1.305) (1.180) (1.800) (1.675) (1.550) (1.140) (1.015) (0.890) (1.870) (1.745) (1.620) (2.270) (2.145) (2.020) (1.760) (1.635) (1.510) (2.050) (1.925) (1.800) (2.470) (2.345) (2.220) (1.970) (1.845) (1.720) (2.260) (2.135) (2.010) (2.700) (2.575) (2.450) (2.190) (2.065) (1.940) (2.410) (2.285) (2.160) (2.870) (2.745) (2.620) (2.390) (2.265) (2.140) (2.550) (2.425) (2.300) (3.060) (2.935) (2.810) (2.640) (2.515) (2.390) (2.700) (2.575) (2.450) (3.220) (3.095) (2.970) (2.800) (2.675) (2.550) (2.860) (2.735) (2.610) (3.370) (3.245) (3.120) (2.960) (2.835) (2.710) 4 (FHLMC) Standard

5 FHLMC (Standard): Conforming & High Balance LLPA's - LP Only ARM's - Maximum number of financed properties (including the subject) for SH & INV 7/1 & 10/1 ARMs is six (6), 5/1 ARM maximum is limited to one (1) & LTV LLPAs for loans with terms > than 15 yrs -- Add to Price LTV/ <= 60% % % % % % % > < 620 * Cash Out Refis LLPAs for all Loans -- Add to Price / LTV <= 60% % % % % % % > 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 < 620 * N/A N/A N/A Additional LLPAs -- Apply to All Credit Scores -- Add to Price Product Feature / LTV <= 60% % % % % % Conf Purchase Special FRM ARM Condo Investment Property N/A N/A > 4 Financed Prop (a) Unit Unit (a) > 4 financed prop but no more than 6 financed props allowed under this program. Applies to NOO subject prop. Additional LLPAs -- Apply to credit scores for High Balance FRM & ARM -- Add to Price - LTV/TLTV Product Feature <= 60% % % % % % High Balance FRM Refi High Balance FRM CashOut N/A N/A N/A High Balance FRM Purchase High Balance ARM Refi High Balance ARM CashOut N/A N/A N/A High Balance ARM Purchase Mortgages with Subordinate Financing -- Add to Price LTV TLTV * < 720 >= 720 < 75.00% < 80.00% < 65.00% % % % % % * LLPA's in this table are based on TLTV, which does NOT include the undrawn portion of a home equity line of credit. Other LTV/TLTV hits are cumulative LPMI Single Premium Adjustments - Effective with Locks after May 3rd 30 Year Fixed & ARM's > 5 Years Base LTV Coverage % % 30% 1.60% 2.22% 2.75% 3.21% 3.94% 5.16% 5.48% 5.83% 90% % 25% 1.20% 1.68% 2.08% 2.49% 3.01% 4.06% 4.22% 4.42% 85% & Under 12% 0.59% 0.72% 0.83% 0.97% 1.13% 1.52% 1.57% 1.62% < 20 Year Fixed 95% % 25% 0.95% 1.24% 1.50% 1.74% 2.08% 2.66% 2.77% 2.91% 90% % 12% 0.59% 0.72% 0.84% 0.95% 1.10% 1.40% 1.43% 1.47% 85% & Under 6% 0.43% 0.47% 0.49% 0.53% 0.58% 0.69% 0.71% 0.72% Premium Adjustments Rate/Term Refinance 0.15% 0.24% 0.30% 0.42% 0.54% 0.69% 0.84% 1.05% Cash Out 0.54% 0.60% 0.70% 0.85% 1.05% 1.50% 1.65% 1.80% Second Home 0.36% 0.39% 0.49% 0.60% 0.70% 1.23% 1.27% 1.35% Loan Amounts > $650, % 0.66% 0.75% 0.90% 1.20% 1.50% 1.80% 2.10% Investment Property 1.02% 1.19% 1.33% 1.50% 1.75% 1.90% 2.00% 2.63% scores (FHLMC) Standard New llpa's

6 Platinum Program - Jumbo Fixed Rate Mortgages Plan Year Jumbo Fixed Rate Plan Year Jumbo High LTV Fixed Rate Max Net Rebate Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day 30 Yr Jumbo Fixed Rate Yr Jumbo High LTV Fixed Rate ** Max YSP cannot exceed max net rebate (0.740) (0.580) (0.430) (0.990) (0.830) (0.670) (0.180) (0.050) (1.240) (1.070) (0.900) (0.720) (0.570) (0.430) (1.490) (1.310) (1.140) above (1.220) (1.070) (0.920) (1.740) (1.560) (1.380) Cutoff time for new locks and extensions (1.710) (1.550) (1.390) (1.990) (1.800) (1.620) for Platinum Program is 3:00PM PT (2.170) (2.010) (1.850) (2.240) (2.050) (1.860) See page 1 for extension fees (2.510) (2.340) (2.170) (2.490) (2.290) (2.100) (2.710) (2.530) (2.360) (2.740) (2.540) (2.340) Advance lock not eligible for this program!!! (2.860) (2.680) (2.500) (2.990) (2.780) (2.570) (2.960) (2.770) (2.590) (3.240) (3.020) (2.810) (3.010) (2.820) (2.630) (3.170) (2.970) (2.770) 30 Yr Jumbo Fixed LLPAs 30 Yr Jumbo High LTV Fixed LLPAs LTV/ Level Price Adjustments * LTV/ Level Price Adjustments * <=625k <= <=625k n/a n/a n/a n/a n/a n/a n/a n/a <=1.0MM <= <=1.0MM n/a n/a n/a n/a n/a n/a n/a n/a <=1.5MM <= <=1.5MM n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a <=2.0MM <= Other Adjustments State CA Prop Type n/a 2 Units n/a n/a n/a n/a n/a n/a n/a 3-4 Units n/a n/a <=2.5MM <= Condo n/a Occupancy n/a 2nd Home n/a Non-Owner n/a n/a n/a n/a Purpose n/a n/a n/a n/a n/a Purchase <=3.0MM <= Escrow LLPAs for all Loans -- Add to Price n/a n/a n/a With Escrows n/a n/a n/a *LTV refers to the highest of LTV, CLTV, and HCLTV n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a Other Adjustments State <= CA Prop Type <= Units n/a n/a n/a 3-4 Units n/a n/a n/a Condo Occupancy <= nd Home Non-Owner n/a n/a n/a Purpose <= Purchase Cashout n/a n/a Escrow LLPAs for all Loans -- Add to Price With Escrows *LTV refers to the highest of LTV, CLTV, and HCLTV. 6 Platinum Jumbo

7 Gold Program - Jumbo Fixed Rate Mortgages Plan Year Super Jumbo Fixed Rate Plan Year Super Jumbo Fixed Rate Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day Loan Amount 30 Yr 15 Yr < $1,000, (0.290) (0.090) > $1,000, (0.790) (0.580) (0.380) (0.100) Loan Amount 10/1 ARM 5/1 ARM 7/1 ARM (1.280) (1.070) (0.860) (0.470) (0.330) (0.180) < $1,000, (1.680) (1.480) (1.270) (0.800) (0.660) (0.510) > $1,000, (2.090) (1.880) (1.670) (1.080) (0.950) (0.800) ** Max YSP cannot exceed max net rebate above (2.460) (2.260) (2.060) (1.310) (1.170) (1.030) (2.810) (2.620) (2.420) (1.470) (1.330) (1.190) ** A full ALTA is required for all Gold Jumbo products (3.030) (2.830) (2.640) (1.610) (1.480) (1.330) (3.310) (3.120) (2.920) (1.810) (1.680) (1.530) 1 Yr Libor % Gold Program - Jumbo Arm's 5/1 LIBOR ARM Super Jumbo 10/1 LIBOR ARM Super Jumbo Plan 553 Plan 555 Plan 554 Margin Caps 2/2/5 Margin Caps 2/2/5 Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day (0.300) (0.200) (0.090) (0.560) (0.460) (0.350) (0.230) (0.090) (0.800) (0.700) (0.600) (0.710) (0.570) (0.420) (0.330) (0.210) (0.080) (1.050) (0.950) (0.850) (1.150) (1.020) (0.880) (0.700) (0.580) (0.450) (1.270) (1.170) (1.070) (1.490) (1.360) (1.220) (0.970) (0.860) (0.740) (1.460) (1.360) (1.260) (1.760) (1.630) (1.490) (1.190) (1.080) (0.960) (1.620) (1.520) (1.420) (2.040) (1.910) (1.770) (1.420) (1.300) (1.180) (1.750) (1.640) (1.540) (2.280) (2.150) (2.010) (1.630) (1.510) (1.390) (1.870) (1.770) (1.670) (2.470) (2.340) (2.210) (1.790) (1.670) (1.550) Gold Program Jumbo LLPAs & LTV/ HCLTV LLPAs for all Loans -- Add to Price No MI / LTV (HCLTV) <= 60% % % % % % (0.125) N/A N/A N/A (0.250) N/A (0.375) (0.125) N/A >=760 (0.500) (0.375) (0.250) Loan Amount & LTV, CLTV (HCLTV) LLPAs for all Loans -- Add to Price Loan Amounts <= 60% % % % % % <= $1,000,000 (0.250) (0.250) (0.125) $1,000,001 - $1,500,000 (0.250) N/A $1,500,001 - $2,000,000 (0.125) N/A N/A $2,000,001 - $2,500, N/A N/A N/A Purpose / Property & LTV, CLTV (HCLTV) LLPAs for all Loans -- Add to Price Purpose / Property <= 60% % % % % % Cash Out N/A N/A NA 2 Unit N/A N/A N/A NA 2nd Home N/A NA Investment N/A N/A N/A N/A Purchase (0.375) (0.375) (0.375) (0.375) (0.375) (0.250) CA State Adj (30 Yr Fixed Term) (0.250) (0.250) (0.250) (0.125) Loan Amount & LTV, CLTV (HCLTV) LLPAs for all Loans -- Add to Price Product <= 60% % % % % % 5/1 Arm (0.375) 7/1 Arm (0.250) 10/1 Arm Year Fixed (0.500) 30 Year Fixed N/A Escrow LLPAs for all Loans -- Add to Price With Escrows (0.125) Max Net Rebate 7/1 LIBOR ARM Super Jumbo Margin Caps 2/2/5 7 Gold Jumbo

8 Gold Plus Program - Jumbo Fixed Rate Mortgages - Non-QM Plan Year Super Jumbo Fixed Rate Max Net Rebate Rate 15 Day 30 Day 45 Day Loan Amount 30 Yr < $1,000, (0.400) (0.200) > $1,000, (0.890) (0.680) (0.470) (1.320) (1.110) (0.900) (1.710) (1.500) (1.290) (1.980) (1.780) (1.580) (2.300) (2.100) (1.910) (2.560) (2.360) (2.160) (2.800) (2.610) (2.410) (3.050) (2.860) (2.660) Gold Program Jumbo LLPAs & LTV/ HCLTV LLPAs for all Loans -- Add to Price ** Max YSP cannot exceed max net rebate above ** A full ALTA is required for all Gold Jumbo products ** DTI up to 50% ** Loan must be approved in order to lock / LTV (HCLTV) <= 60% % % % % (0.125) N/A N/A N/A (0.250) N/A (0.375) (0.125) >=760 (0.500) (0.375) (0.250) Loan Amount & LTV, CLTV (HCLTV) LLPAs for all Loans -- Add to Price Loan Amounts <= 60% % % % % <= $1,000,000 (0.250) (0.250) (0.125) $1,000,001 - $1,500,000 (0.250) N/A $1,500,001 - $2,000,000 (0.125) N/A N/A $2,000,001 - $2,500,000 N/A N/A N/A N/A N/A Purpose / Property & LTV, CLTV (HCLTV) LLPAs for all Loans -- Add to Price Purpose / Property <= 60% % % % % Cash Out N/A N/A 2 Unit N/A N/A N/A 2nd Home N/A N/A Condo High Purchase (0.375) (0.375) (0.375) (0.375) (0.375) CA State Adj Loan Amount & LTV, CLTV (HCLTV) LLPAs for all Loans -- Add to Price Product <= 60% % % % % 5/1 Arm N/A N/A N/A N/A N/A 7/1 Arm N/A N/A N/A N/A N/A 10/1 Arm N/A N/A N/A N/A N/A 15 Year Fixed N/A N/A N/A N/A N/A 30 Year Fixed Escrow LLPAs for all Loans -- Add to Price With Escrows (0.125) 8 Gold Jumbo Plus

9 FHA Program - Conforming & High Balance Fixed Rate First Mortgages * High Balance Loans over $417,000 need to be verified with HUD FHA mtg limits Plan Yr Fixed Gov - Conf. Plan Yr Fixed Gov - High Bal Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day (2.550) (2.350) (2.210) (1.490) (1.280) (1.140) (3.090) (2.880) (2.740) (1.940) (1.730) (1.590) (3.470) (3.260) (3.120) (2.220) (2.010) (1.870) (3.060) (2.850) (2.710) (1.680) (1.470) (1.330) (4.580) (4.440) (4.280) (3.280) (3.140) (2.980) (5.020) (4.880) (4.720) (3.580) (3.440) (3.280) (5.240) (5.100) (4.940) (3.650) (3.510) (3.350) (4.650) (4.510) (4.350) (2.910) (2.770) (2.610) (5.520) (5.500) (5.320) (3.250) (3.230) (3.050) (5.720) (5.690) (5.510) (3.390) (3.360) (3.190) (5.870) (5.670) (5.490) (3.350) (3.330) (3.150) (4.660) (4.630) (4.450) (2.510) (2.480) (2.300) (5.630) (5.640) (5.440) (0.690) (0.700) (0.510) (5.510) (5.520) (5.320) (0.690) (0.700) (0.510) (6.970) (6.970) (6.860) (0.500) (0.510) (0.320) FHA Streamline Program - Conforming & High Balance Fixed Rate First Mortgages Plan Yr Fixed Gov - Conf. Plan Yr Fixed Gov - Conf. Plan Yr Fixed Gov - High Bal Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day (2.550) (2.350) (2.210) (1.820) (1.630) (1.530) (1.360) (1.160) (1.010) (3.090) (2.880) (2.740) (2.220) (2.030) (1.940) (1.810) (1.610) (1.470) (3.470) (3.260) (3.120) (2.470) (2.280) (2.180) (2.090) (1.890) (1.750) (3.060) (2.850) (2.710) (1.930) (1.740) (1.640) (1.550) (1.350) (1.210) (4.580) (4.440) (4.280) (3.340) (3.220) (3.100) (3.150) (3.010) (2.850) (5.020) (4.880) (4.720) (3.640) (3.530) (3.410) (3.450) (3.310) (3.150) (5.240) (5.100) (4.940) (3.750) (3.630) (3.510) (3.520) (3.390) (3.230) (4.650) (4.510) (4.350) (2.980) (2.860) (2.750) (2.780) (2.640) (2.480) (5.520) (5.500) (5.320) (4.220) (4.150) (4.010) (3.130) (3.100) (2.930) (5.720) (5.690) (5.510) (4.280) (4.200) (4.070) (3.260) (3.240) (3.060) (5.870) (5.670) (5.490) (4.040) (3.970) (3.830) (3.230) (3.200) (3.020) (4.660) (4.630) (4.450) (2.380) (2.360) (2.180) (5.630) (5.640) (5.440) (0.570) (0.580) (0.380) (5.510) (5.520) (5.320) (0.570) (0.580) (0.380) (6.970) (6.970) (6.860) (0.380) (0.390) (0.190) FHA LLPAs - Applys to all FHA programs - Add to Price OTHER FHA Price Adjustments - Add to Price Purchase Loan Refi Loan (Non Streamline) FHA Streamline Refi 0-115% LTV FHA Streamline Refi % LTV All Loans FHA Single Family Mortgage Insurance Premiums - Upfront and Annual MIP Terms > 15 Years Term <= 15 Years MIP - Upfront & Annual - Effective MIP - Upfront & Annual - Effective Base Loan Amount LTV Annual MIP Upfront MIP Base Loan Amount LTV Annual MIP Upfront MIP < $625,500 < 95% < $625,500 < 95% < $625,500 > 95% < $625,500 > 95% > $625,500 < 95% > $625,500 < 95% > $625,500 > 95% > $625,500 > 95% FHA rate

10 Wholesale Portfolio Ratesheet 5/1 Libor Portfolio ARM (Fully Amortized Only) 1 YR LIBOR % PORTFOLIO PROGRAM PRICING: Primary and Second Home Residences Program Purpose Loan Price Note Rate Margin 406 R&T/CO 5/1ARM % 2.875% 5%/2%/5% 406 R&T/CO 5/1ARM (1.250) 3.625% 2.875% 5%/2%/5% 406 R&T/CO 5/1ARM (1.375) 3.750% 2.875% 5%/2%/5% 406 R&T/CO 5/1ARM (1.500) 3.875% 2.875% 5%/2%/5% Program Purpose Loan Price Note Rate Margin 406 R&T/CO 5/1ARM % 3.250% 5%/2%/5% NONE 406 R&T/CO 5/1ARM (1.250) 4.125% 3.250% 5%/2%/5% NONE 406 R&T/CO 5/1ARM (1.375) 4.250% 3.250% 5%/2%/5% NONE 406 R&T/CO 5/1ARM (1.500) 4.375% 3.250% 5%/2%/5% NONE RATE ADJUSTMENTS : Add to Rate Exceptions are considered (please contact your AE) Purchase Special (a) Short Sale over 2 years seasoning Interest Only < 680 Condo Adjustment Cash Out > $500,000 Non- Warrantable Condo (b) DTI to 48% for fully Amortizing >75%- 80% LTV DTI to 43% for I/O (Please consult your AE for qualifying purposes) 2-4 Unit Property Asset Depletion Alternative Income Alternative Credit Program financed properties (c) > 10 financed properties (c) Cash Out > $100,000 - $250, Cash Out > $250,000 - $500, (a) Purchase Specials Not Applicable for NOO Properties, Outside Footprint, or if prior shortsale (b) Non-Warrantable Condo adjustment is in addition to standard condo adjustment if applicable (b )Non-Owner Occupied (NOO) Properties Non-Warrantable Condos are not allowed (c) > 4 financed property adjustments do not apply if subject property is a primary residence Caps PORTFOLIO PROGRAM PRICING: Investment Property Residences Lock Term is for 45 Days Caps Prepay NONE NONE NONE NONE Prepay 5/5/2016 Loan Amount and LTV Limitations Fully Amortizing and Interest Only Occupancy Primary Second Home Investment Property - Fully Amortizing Investment Property - Interest Only Investment Property & Second Home > 4 financed LTV CLTV 80% 80% 70% 75% 65% 70% 80% 80% 70% 70% 65% 65% 65% 65% Loan Amount $100,000 to < $1,000,000 $1,000,001 to < $1,500,000 $1,500,001 to < $2,500,000 $100,000 to < $1,000,000 $100,000 to < $1,000,000 $100,000 to < $1,000,000 $100,000 to < $1,000,000 RATE LOCK AND SUBMISSION REQUIREMENTS Loans that fit guidelines and are < $1M are lock eligible upon receipt of file submission. Loans > $1M or loans that require a guideline exception must have an 'Approval to Process' to be lock eligible. ** Rate Lock Term is 45 Days - File delivery within 5 business days or Lock Subject to Cancellation. ** To receive an 'Approval to Process', send your Account Executive your scenario. Accuracy is Critical. BE SURE to indicate retirement accounts. Loss Payee: Fremont Bank, Its' Successors and/or Assigns. PO Box 7295, Fremont, CA Page 1 of 1

11 Wholesale Portfolio Ratesheet 7/1 Libor Portfolio ARM (Fully Amortized Only) 1 YR LIBOR 5/5/ % PORTFOLIO PROGRAM PRICING: Primary and Second Home Residences Program Purpose Loan Price Note Rate Margin Caps Prepay 407 R&T/CO 7/1ARM % 2.875% 5%/2%/5% NONE 407 R&T/CO 7/1ARM (1.000) 4.000% 2.875% 5%/2%/5% NONE 407 R&T/CO 7/1ARM (1.125) 4.125% 2.875% 5%/2%/5% NONE 407 R&T/CO 7/1ARM (1.250) 4.250% 2.875% 5%/2%/5% NONE PORTFOLIO PROGRAM PRICING: Investment Property Residences Program Purpose Loan Price Note Rate Margin Caps Prepay 407 R&T/CO 7/1ARM % 3.250% 5%/2%/5% NONE 407 R&T/CO 7/1ARM (1.000) 4.500% 3.250% 5%/2%/5% NONE 407 R&T/CO 7/1ARM (1.125) 4.625% 3.250% 5%/2%/5% NONE 407 R&T/CO 7/1ARM (1.250) 4.750% 3.250% 5%/2%/5% NONE Lock Term is for 45 Days RATE ADJUSTMENTS : Add to Rate Exceptions are considered (please contact your AE) Purchase Special (a) Short Sale over 2 years seasoning Interest Only < 700 Condo Adjustment Cash Out > $500,000 >75%- 80% LTV DTI to 48% for fully Amortizing 2-4 Unit Property DTI to 43% for I/O (Please consult your AE for qualifying purposes) Asset Depletion Alternative Income Cash Out > $100,000 - $250, Cash Out > $250,000 - $500, (a) Purchase Specials Not Applicable for NOO Properties, Outside Footprint, or if prior shortsale Loan Amount and LTV Limitations Fully Amortizing and Interest ONLY Occupancy LTV CLTV Loan Amount Primary 80% 80% 70% 75% 65% 70% Second Home 80% 80% > $417,000 to < $1,000,000 Investment Property < 5 financed 65% 65% > $417,000 to < $1,000,000 > $1,000,000 to < $1,500,000 > $1,500,000 to < $2,500,000 > $417,000 to < $1,000,000 RATE LOCK AND SUBMISSION REQUIREMENTS Loans that fit guidelines and are < $1M are lock eligible upon receipt of file submission. Loans > $1M or loans that require a guideline exception must have an 'Approval to Process' to be lock eligible. ** Rate Lock Term is 45 Days - File delivery within 5 business days or Lock Subject to Cancellation. ** To receive an 'Approval to Process', send your Account Executive your scenario. Accuracy is Critical. BE SURE to indicate retirement accounts. MISC. Loss Payee: Fremont Bank, Its' Successors and/or Assigns. PO Box 7295, Fremont, CA Page 1 of 1

12 Home Equity Line of Credit - Prime Combo Rates & Terms Primary Second Home Investment Base Start Rate % 4.750% 6.000% Index WSJ Prime Rate is 3.5% as of Thursday, May 05, 2016 Base Margin % % % HCLTV > 75% to < 80% HCLTV > 80% to < 85% HCLTV > 85% to < 89.99% Margin Adjustment % % % Floor Rate 2.990% 2.990% 4.990% Additional Margin Adjustments (Cumulative to Net Margin Adj) Condo % 5-10 Financed Props % > 10 Financed Props % Other Terms Life Cap 18% Amortization Adjustable Rate Term 25-years (10-year draw period then15-year repayment) Minimum Payment Interest Only during 10-year draw period and fully amortizing payments during 15-year repayment period Annual Fee $75.00 (waived the first 3 years) Set Up Fee $95.00 (fee is currently being waived) Early Closure Fee $ for all HELOCs with line amounts $25,000 voluntarily terminated in the first 3 years 1 Base Start Rate includes index + margin. For total rate add all applicable margin adjustments to the base start rate. Eligible Counties Northern CA Footprint (limited to the following counties) Southern CA Footprint (limited to the following counties) Alameda, Contra Costa, Marin, Monterey, Napa, Santa Clara, Santa Cruz, San Francisco, San Mateo, Sonoma Los Angeles, Orange, San Diego, San Luis Obispo, Santa Barbara, and Ventura See guidelines for details HelocGuide 12 HELOC

13 WHOLESALE SALES TEAMS NORTHERN CALIFORNIA Name Contact # Address Region Mark Panella Mark.Panella@fremontbank.com Sales Manager: Northern- Cal ACCOUNT EXECUTIVES Name Contact # Address Account Exec. Region Mark Levitch mark.levitch@fremontbank.com Contra Costa/Alameda Co. Royal Gooden royal.gooden@fremontbank.com East Bay Joe Melo joe.melo@fremontbank.com South Bay/Peninsula/Central Coast Ken Owens ken.owens@fremontbank.com South Bay Mike Cook mike.cook@fremontbank.com Sacramento Arnie Abramo arnie.abramo@fremontbank.com San Francisco/North Bay Sandy Lee sandy.lee@fremontbank.com Peninsula Perri Harman perri.harman@fremontbank.com SOUTHERN CALIFORNIA Sacramento/CBLX Name Contact # Address Region Scott Borst scott.borst@fremontbank.com Sales Manager: Southern- Cal ACCOUNT EXECUTIVES Name Contact # Address Account Exec. Region Celia Margison celia.margison@fremontbank.com Los Angeles County/Westside/Valley Scott McCarthy Scott.McCarthy@fremontbank.com San Diego Jillian Polce Jillian.polce@fremontbank.com San Diego Howard Goldman Howard.Goldman@fremontbank.com Orange County/Los Angeles John Chang john.chang@fremontbank.com San Gabriel, South LA/North Orange Lisa Kocsis lisa.kocsis@fremontbank.com Orange County, LA Bonnie Kalem bonnie.kalem@fremontbank.com LA, Ventura & Santa Barbara Courtney McBride Courtney.McBride@fremontbank.com LA, Ventura & Santa Barbara Abdul Aref abdul.aref@fremontbank.com Los Angeles/Orange County George Caramihai George.Caramihai@fremontbank.com San Fernando Valley/Los Angeles 13 contact info