theexpanded Prime Matrix

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1 theexpanded Prime Matrix Program Max LTVs Loan Amount FICO Purch. & R/T Purch. & R/T 50% DTI or 24 Mos Bank Stmts Minimum Loan Amount $100,000 $1,000,000 $1,000,001-, % FICO 700 Maximum Loan Amount $2,500, % LTV Maximum $1,000,000 90% 12 Mos Mortgage History 0x30x Overlays FC/DIL/SS Seasoning 48 Months % Interest-Only: FICO 700 Chapter 13 BK Seasoning 48 Months 700 LTV Chapter 7/11 BK Seasoning 48 Months 12 Mos $2, Standard Debt Ratio 43% 720 Second Homes LTV Enhanced Debt Ratio Up to 50% Mos /1 ARM 7/1 ARM 30 Yr Fixed Income Property Type LTV Max 5/1 ARM-IO 7/1 ARM-IO 30 Yr Fixed-IO umentation 2 Years W-2 Income or 2 Years Tax Returns SFR / PUD 90% - IO Period Amort Term Final Maturity 5/1 ARM Margin: 3.50 Caps: 2/2/5 Alternative Documentation 6 Months 9 Months >, Months Primary and Second Homes Alternative Doc - - Condominium - 10 Years 30 Years 40 Years 7/1 ARM Margin: 3.50 Caps: 5/2/5 Personal Bank Statements Non-warrantable N/A - 10 Years 20 Years 30 Years Business Bank Statements 2 Unit - 12 Months Personal Bank Statements 3-4 Unit N/A - Fixed = Note Rate 12 Months Business Bank Statements Rural DTI 43% Enhanced Debt Ratio Interest-Only Terms Qualifying Rate (See also ) Primary Residence and Second Homes Only SFR, PUD, Townhome, Condominium, 2 Unit & Rural Homes amounts > require a 5% LTV reduction; Maximum = $1,000,000 can be used for reserve requirements and/or to pay off debt for qualifying $2,500 plus an additional $150 per dependent is required 6-12 months as determined by loan amount and/or loan feature Max 90% CLTV (Institutional seconds only) US Citizen, Permanent Resident Alien & Non-Permanent Resident Alien (with US credit) Appraisal Review Product Clear Capital CDA or Field Review required for the following transactions: (i) LTV > (ii) Loan Amount > $1M (iii) Non-Arms Length Full 2nd Appraisal required for the following transactions: (i) Loan Amount > $1.5M Qualifying FICO = the FICO of the Primary Wage Earner which will be the score used for grading and pricing Escrows required for taxes and insurance Fully documented ability-to-repay with all applicable federal and state regulations Up to 9% towards closing for Primary and Second Homes (LTV ), 6% towards closing for Primary and Second Homes (LTV > ) Hometown Equity Mortgage, LLC. All rights reserved. This material is intended solely for the use of licensed mortgage bankers. Distribution to consumers is strictly prohibited. Program and rates are subject to change without notice. Not available in all states. Terms subject to qualification. Disclosures & Licenses: NMLS Consumer Access: NMLS #133519

2 thenear-prime Matrix Loan Amount FICO Purch, D/C 3 R/T C/O Purch, R/T, D/C 3 Purch. & R/T Purch. & R/T Minimum Loan Amount $100, % 1 90% 90% Maximum Loan Amount $3,000,000 90% 90% 90% Maximum, OO $1,000,000,000 6 Months % 90% Maximum, NOO 640 Mortgage History 1x30x12 Foreclosure Seasoning 36 Months Months Chapter 13 BK Seasoning 36 Months >, Months 660 $3,000,000 Chapter 7/11 BK Seasoning 36 Months 640 $2, Standard Debt Ratio 50% Enhanced Debt Ratio Up to 55% 95% LTV 1 55% DTI 1 Year Alt Doc 2 Max LTV Primary / Primary Only 1 Year Tax Return Second Homes Condominium LTV 5/1 ARM 7/1 AR 30 Year Fixed DTI 43% FICO 1 Year W-2 Interest Only Non-Warrantable, 2-4 Unit, 5/1 ARM-IO 7/1 ARM-IO LTV 12 Mos Bank Stmt Modular, Rural & Log Homes LTV See below for 95% 12 Mos LTV Rural & Log Homes Not Available on Investment IO Period Amort Term Final Maturity Debt Consolidation $3,500 DTI 50% 10 Years 30 Years 40 Years No Debt Consolidation 10 Years 20 Years 30 Years Income Debt Consolidation 3 Debt Consolidation 95% 1 Program Max LTVs Primary and Second Homes Alternative Doc 2 Alternative Doc 2 umentation 2 Years W-2 Income or 2 Years Tax Returns Minimum 6 mos reserves (see below) 5/1 ARM Margin: 3.50 Caps: 2/2/5 Asset Depletion LTV (umentation Matrix); No Debt Consolidation; Max 50% DTI No rural or log homes 7/1 ARM Margin: 3.50 Caps: 5/2/5 Personal Bank Statements Max cash out = ; No cash out in Texas Alternative Documentation 2 Business Bank Statements No subordinate financing Qualifying Rate 12 Months Personal or Business Bank Statements Prepayment restrictions apply (See also ) 1 Year Documentation (W-2 or Tax Return) Guarantor is required (for LLCs) Fixed = Note Rate Investment Primary Residence, Second Homes and Investment Properties SFR, PUD, Townhome, Condominium, 2-4 Unit, Non-Warrantable, Modular, Rural & Log Homes amounts > require a 5% LTV reduction; Maximum = $1,000,000; Maximum for Investment Properties is ; Cash-Out amount > $1mm on exception basis only can be used for reserve requirements and/or to pay off debt for qualifying; Cash out is not allowed for Investment Properties in Texas Primary Only; LTVs follow Rate/Term LTV Limits for loan amounts $1.5mm; Max DTI = 50%; No Asset Depletion; No Non-Occupant Co-Borrower. Property Type limits above apply. Total monthly debt payments must be lowered by at least 10%; Closing costs must be recouped within 60 months; Cash to the borrower must be the lesser of 2% or $5,000 Consumer Debt must be no more than 0x60 in past 6 months; = 1 Month (additional reserves for other loan features not required); CDA required Only; SFR Only; Primary Only; FICO 740; DTI 35%; Max Loan Amount = $750k; Non-mortgage debt paid off through Debt Consolidation must be $100k; 9 Months $2,500 plus an additional $150 per dependent is required for Primary and Second Homes Investment & Second Homes Only: Minimum 6 months; 2 months of additional reserves required for each financed property; no limit on the number of other properties borrowers may have financed Max 90% CLTV (Institutional seconds only); Not allowed on Investment Properties US Citizen, Permanent Resident Alien & Non-Permanent Resident Alien (with US credit) Qualifying FICO = the FICO of the Primary Wage Earner which will be the score used for grading and pricing Escrows required for taxes and insurance Fully documented ability-to-repay with all applicable federal and state regulations Investment Only: 6 months interest on of the original principal balance (Standard Term = 3 years); Not allowed in IL*, KS Primary and Second Homes: 9% for LTV, 6% for LTV 75.01% - 90%, 3% for LTV > 90%; up to 2% for all Investment Properties Hometown Equity Mortgage, LLC. All rights reserved. This material is intended solely for the use of licensed mortgage bankers. Distribution to consumers is strictly prohibited. Program and rates are subject to change without notice. Not available in all states. Terms subject to qualification. Disclosures & Licenses: NMLS Consumer Access: NMLS # Investment Property Overlays

3 thenon-prime Matrix Program Max LTVs Grade A Grade B Grade C Loan Amount FICO Purch, R/T, D/C 1 Purchase & R/T Purchase & R/T Minimum Loan Amount $100,000 $1,000,000 3 Months > $1,000,000 6 Months Mortgage History Foreclosure Seasoning Chapter 13 Bankruptcy Seasoning Chapter 7/11 Bankruptcy Seasoning DTI Options FICO Maximum Loan Amount $2,000,000 1 Year Tax Return Primary, Grade A Only Purch & R/T: Matrix LTV less 5% Max LTV OO NOO Interest-Only: FICO, LTV 1 Year W-2 Max Loan $1mm : Matrix LTV less 10% 6 Months, Primary Only 12 Mos Bank Stmt Max DTI 50% Non-Warr : FICO 580 FTHB: FICO 580 FICO / LTV FICO Consumer: 0x60x6mo 2-4 Unit Alt Doc: FICO 6 Months 12 Months DTI 50% 1 Month Modular Loan Amt > $1mm: FICO Second Homes: FICO 580, LTV $3,500 LTV See below Rural/Log N/A Grade A Only 6 Months Min 6 mos reserves (see below) Non-US : Qualify at FICO Income Standard Tradelines Only 12 Months umentation 2 Years W-2 Income or 2 Years Tax Returns No rural or log homes Limited Tradelines: Lesser of actual or 580 FICO Personal Bank Statements (Minimum FICO - 580) No subordinate financing Not available on Investment Alternative Documentation 2 Business Bank Statements (Minimum FICO - 580) Prepayment restrictions apply 12 Months Personal or Business Bank Statements Guarantor is required (for LLCs) 1 Year Documentation (W-2 or Tax Return) 50% DTI 55% DTI Primary Residence, Second Homes and Investment Properties SFR, PUD, Townhome, Condominium, 2-4 Unit, Non-Warrantable, Modular, Rural & Log Homes Maximum = can be used for reserve requirements and/or to pay off debt for qualifying; Cash out is not allowed for Investment Properties in Texas Debt Consolidation 1 Available on Grade A Only; Primary Only; LTVs follow Rate/Term LTV limits for loan amounts $1mm; Max DTI = 50%; No Non-Occupant Co-Borrower; No Asset Depletion Total monthly debt payments must be lowered by at least 10% and Closing Costs must be recouped within 60 months; Cash to the borrower is the lesser of 2% or $5,000 Consumer Debt must be no more than 0x60 in past 6 months; = 1 Month (additional reserves for other loan features not required); CDA required plus an additional $150 per dependent is required for Primary and Second Homes Investment & Second Homes Only: Minimum 6 months; 2 months of additional reserves required for each financed property; no limit on the number of properties borrowers may have financed Max 90% CLTV (Institutional seconds only); Not allowed on Investment Properties US Citizen, Permanent Resident Alien & Non-Permanent Resident Alien ; Limited: No minimum tradeline requirements ( only) Qualifying FICO: The FICO of the Primary Wage Earner which will be the score used for grading and pricing Escrows required for taxes and insurance Fully documented ability-to-repay with all applicable federal and state regulations Investment Only: 6 months interest on of the original principal balance (Standard Term = 3 years); Not allowed in IL*, KS % 1 Year Alt Doc 2 Debt Consolidation 1 Primary and Second Homes: 9% for LTV, 6% for LTV 75.01% - 90%, 3% for LTV > 90%; up to 2% for all Investment Properties 0x60x12 0x120x12 0x120x12 or 0x30 Since Event 12 Months Settled 12 Months 12 Months Settled 43% / 50% / 55% 43% / 50% / 55% 43% Investment Overlays Maximum 5/1 ARM-IO 7/1 ARM-IO 5/1 ARM 7/1 ARM 30 Year Fixed Interest Only Features IO Period Amort Term Final Maturity 10 Years 30 Years 40 Years 10 Years 20 Years 30 Years 5/1 ARM Margin: 3.50 Caps: 2/2/5 7/1 ARM Margin: 3.50 Caps: 5/2/5 Qualifying Rate (See also Qualifying Pmt) Hometown Equity Mortgage, LLC. All rights reserved. This material is intended solely for the use of licensed mortgage bankers. Distribution to consumers is strictly prohibited. Program and rates are subject to change without notice. Not available in all states. Terms subject to qualification. Disclosures & Licenses: NMLS Consumer Access: NMLS # Fixed = Note Rate Overlays

4 theinvestor Advantage Matrix Loan Amount $1,000,000 > $1,000,000 Minimum Loan Amount Maximum Loan Amount Maximum Minimum DSCR 1.15 N/A Interest Only Features Product IO Period Amort Maturity Mortgage History 1x30x12 3/1 ARM-IO 5 Years 25 Years 30 Years Foreclosure Seasoning 5/1 & 10/1 ARM-IO 10 Years 20 Years 30 Years Chapter 13 BK Seasoning Chapter 7/11 BK Seasoning Non-Warrantable 2-4 Unit Investor Advantage FICO LTV Purchase & R/T DSCR 1.15 Purchase & R/T Interest-Only DSCR < 1.15 / No Ratio Overlays FICO LTV Program Parameters Limits 3/1 ARM 5/1 ARM 10/1 ARM 3/1 ARM-IO 5/1 ARM-IO 10/1 ARM-IO 3/1 ARM -- Margin: Caps: 2/2/6 5/1 ARM -- Margin: Caps: 2/2/5 10/1 ARM -- Margin: Caps: 5/2/5 $100,000 $2,000,000 DSCR Lease / Gross Income Appraisal Requirements Eligible Borrowers Investment Property SFR, PUD, Townhome, Condominium, 2-4 Unit, Non-Warrantable Maximum = ; Cash out is not allowed for Investment Properties in Texas Not Allowed DSCR = Gross Income / PITIA; Gross income = lesser of market rent or lease in place Lesser of Estimated Market Rent from Form 1007 or monthly rent from an existing lease Unleased Properties (Refinance only): Max LTV - US Citizen, Permanent Resident Alien & Non-Permanent Resident Alien Sourced or seasoned for 60 days Properties with a condition rating of C5 or C6 are not acceptable CDA required for all properties (see Appraisal Review Policy) Loan Amount >,000 require 2nd Full Appraisal Individual person(s) or duly formed and existing US domiciled legal entity First Time Investor Any borrower who has not owned at least one investment property for a minimum of 12 months anytime during the most recent 12-month period; Max LTV - Guarantor Personal Guarantee required for loans titled in the name of an LLC or Corporation Qualifying FICO: Lower mid-score of all borrowers/guarantors Escrows required for taxes and insurance Fully documented ability-to-repay with all applicable federal and state regulations No section 32 or state high cost 6 months interest on of the original principal balance (Standard Term = 3 years); Not allowed in IL*, KS *Prepay Penalty allowed for loans closed in the name of corporations or LLCs in IA, IL, and NJ Up to 2% towards closing Hometown Equity Mortgage, LLC. All rights reserved. This material is intended solely for the use of licensed mortgage bankers. Distribution to consumers is strictly prohibited. Program and rates are subject to change without notice. Not available in all states. Terms subject to qualification. Disclosures & Licenses: NMLS Consumer Access: NMLS #133519

5 theforeign National Matrix Foreign National Loan Amount $1,000,000 DSCR 1.15 / No Ratio Purchase & R/T Purchase & R/T > $1,000,000 Minimum Loan Amount Maximum Loan Amount Maximum Program Parameters 3/1 ARM 5/1 ARM 10/1 ARM 3/1 ARM-IO 5/1 ARM-IO 10/1 ARM-IO Interest-Only Option Minimum DSCR N/A 1.15 / N/A Product IO Period Amort Maturity Maximum DTI 50% N/A 3/1 ARM-IO 5 Years 25 Years 30 Years 12 Months N/A 5/1 & 10/1 ARM-IO 10 Years 20 Years 30 Years Mortgage History Foreclosure Seasoning Chapter 13 BK Seasoning Chapter 7/11 BK Seasoning 1x30x12 3/1 ARM -- Margin: Caps: 2/2/6 5/1 ARM -- Margin: Caps: 2/2/5 10/1 ARM -- Margin: Caps: 5/2/5 $100,000,000 Investment Property and Second Homes ( only) SFR, PUD, Townhome, Condominium, 2-4 Unit, Non-Warrantable Maximum = can be used for reserve requirements and/or to pay off debt for qualifying Not Allowed DSCR DSCR = Gross Income / PITIA; Gross income = lesser of market rent or lease in place Lease/Gross Income Lesser of Estimated Market Rent from Form 1007 or monthly rent from an existing lease Foreign National; Citizens of Venezuela ineligible for Deephaven programs Sourced or seasoned for 60 days, must be seasoned 30 days in US institution for funds to close Appraisal Requirements Properties with a condition rating of C5 or C6 are not acceptable CDA required for all properties (see Appraisal Review Policy) Eligible Borrowers Individual person(s) or duly formed and existing US domiciled legal entity Asset Depletion Purchase & Rate/Term only; Subject to requirements Guarantor Personal Guarantee required for loans titled in the name of an LLC or Corporation Standard: 3 tradelines reporting for 24+ months all with activity in the last 12 months (Foreign References allowed, see guidelines for details) Escrows required for taxes and insurance Fully documented ability-to-repay with all applicable federal and state regulations 6 months interest on of the original principal balance (Standard Term = 3 years); Not allowed in IL*, KS No penalty allowed on Foreign National Second Homes Qualifying Rate/Payment Up to 9% towards closing for Second Homes; Up to 2% toward closing for Investment Properties Hometown Equity Mortgage, LLC. All rights reserved. This material is intended solely for the use of licensed mortgage bankers. Distribution to consumers is strictly prohibited. Program and rates are subject to change without notice. Not available in all states. Terms subject to qualification. Disclosures & Licenses: NMLS Consumer Access: NMLS #133519