Applicable to only Govt & Conv-Conf Fixed Loan Programs. Contact Idaho Pennsylvania

Transcription

1 Wholesale Rates effective until 5:00 pm PDT (In an occurrence of a Price Change, Notification will be sent) Table of Contents PRMG News Products Page Agency/Agency No MI Pg.2 Agency ARMs Pg.2 Agency TX Home Equity Pg.2 Agency High Balance/Agency No MI High Balance Pg.2 Fannie Mae HomeReady Pg.2 Agency Price Adjustments Pg.3 Agency No MI Adjustments Pg.3 Agency High Balance Adjustments Pg.3 Fannie Mae HomeReady Adjustments Pg.3 Agency LP/Agency LP No MI Pg.4 FHLMC Super Conf/FHLMC Super Conf No MI Pg.4 Agency LP/FHLMC Super Conf Price Adjustments Pg.5 Agency Portfolio/Agency Portfolio No MI Pg.6 Agency Portfolio Price Adjustments Pg.7 Agency Portfolio NO MI Adjustments Pg.7 FHA Pg.8 FHA Streamline Refinance Pg.8 FHA High Balance Pg.8 FHA High Balance Streamline Refinance Pg.8 USDA/Rural Housing Pg.8 VA Pg.8 VA High Balance Pg.8 VA IRRRL/VA IRRRL High Balance Pg.8 FHA/VA/USDA Price Adjustments Pg.8 Doc & Funding Cut-Off Dates Down Pament Protection Pg.9 Last day to fund FHA/VA loans with 5/1 payment 04/05/19 Ruby Jumbo Pg.10 Last day to fund Agency loans with 5/1 payment 04/10/19 Diamond Jumbo Pg.10 Last day to Doc Streamlines for April Funding 04/25/19 Platinum Jumbo Pg.10 Last day to fund Streamlines for April Funding 04/30/19 Diamond Price Adjustments Pg.11 Last day to Draw Docs with June 1st Payment 04/25/19 Platinum Price Adjustments Pg.12 Niche Jumbo/Alternative Access/Non-Prime Advanta Pg.13 Lock Desk Info Niche Jumbo/Alternative Access/Non-Prime Advanta Pg.14 Lock Cut-off (Govt & Agency Fixed Programs) 5:00 pm PST Closed End Second Liens Pg.15 Lock Cut-off (All ARMs & All Jumbo Programs) 3:30 pm PST Expanded Access Pg.16 Lock Online (available till 5:00 pm PST) Link to Manual Lock Form; Lender Fees Secondary Fax Underwriting Fee -(AK, CO, FL, LA, TN only) $ Extensions & Re-Locks Secondary@prmg.net Underwriting Fee -(SC only) $ Commitment Fee -(NC only) $ PRMG FHA VA Lender IDs FHA Streamlines/VA IRRRLs (AK,CO,FL,LA,TN only $ FHA Streamlines/VA IRRRLs (NC & SC only) $99.00 *NO Fee Option (Use No Fee Calculator to determine fee in bps) Lock Expiration Dates 15 Days 04/24/19 30 Days 05/09/19 Mortgagee Clause 45 Days 05/24/19 Paramount Residential Mortgage Group, INC. 60 Days 06/08/19 Its Successors and/or Assigns 1265 Corona Pointe Court Ste. 301 Lock Extension Policy Corona, California Days Days Approved States Days Alaska Missouri Days Alabama Montana Days Arizona New Hampshire Days Arkansas New Jersey California New Mexico Extended Rate Lock Terms Colorado Nebraska 45 Days.100 in fee Connecticut Nevada 60 Days.300 in fee Delaware North Carolina 75 Days.450 in fee District of Columbia North Dakota 90 Days.600 in fee Florida Ohio 120 Days in fee Georgia Oklahoma The above fees are applied to the 30 day price. Hawaii Oregon Applicable to only Govt & Conv-Conf Fixed Loan Programs. Contact Idaho Pennsylvania Secondary for fees on all other programs. Indiana Rhode Island Illinois South Carolina Market Update Iowa South Dakota 1 Yr Libor Kansas Tennessee 1 Yr T-Bill Kentucky Texas 6 Mo Libor Louisiana Utah Prime Rate Maine Vermont 10 Yr Bond Maryland Virginia 30 Yr Bond Massachusetts Washington Michigan West Virginia Average Prime Offer Rates Minnesota Wisconsin 30/40 Yr Fixed Mississippi 15/20 Yr Fixed Yr Fixed PRMG Website 1/1 ARM FT /1 ARM /1 ARM Scenario Pricer 7/1 ARM For On-line Rate/Price quotes, log on to our Scenario 10/1 ARM Pricer at: WHOLESALE REGIONAL OPERATING CENTERS Western Region Dave Pilotte, RVP (951) Mountain Region Michael J. Miller, RVP (303) Western Region Herb Lewis, DVP (866) Northeast Region Herb Lewis, DVP (866) Western Region Alex Del Haro, DVP (714) Southeast Region Herb Lewis, DVP (866) Pacific Northwest Region Herb Lewis, DVP (866) Midwest Region Herb Lewis, DVP (866) Southwest Region Joe Spangenberg, RVP (602) Page 1

2 AGENCY Wholesale Rates effective until 5:00 pm PDT, ARMs until 3:30 pm PDT (In an occurrence of a Price Change, Notification will be sent) 30/25 Yr Fixed 20 Yr Fixed 15 Yr Fixed High Balance 30 Agency/Agency No MI Agency/Agency No MI Agency/Agency No MI Agency/Agency No MI Rate Rate Rate Rate % (6.488) (6.288) 5.750% (5.910) (5.710) 5.000% (4.790) (4.590) 5.875% (4.681) (4.481) 5.875% (6.209) (6.009) 5.625% (6.070) (5.870) 4.875% (4.681) (4.481) 5.750% (4.207) (4.007) 5.750% (5.891) (5.691) 5.500% (5.822) (5.622) 4.750% (4.514) (4.314) 5.625% (5.652) (5.452) 5.625% (5.768) (5.568) 5.375% (5.655) (5.455) 4.625% (4.192) (3.992) 5.500% (5.568) (5.368) 5.500% (5.489) (5.289) 5.250% (5.441) (5.241) 4.500% (4.286) (4.086) 5.375% (5.237) (5.037) 5.375% (5.248) (5.048) 5.125% (5.280) (5.080) 4.375% (4.013) (3.813) 5.250% (4.808) (4.608) 5.250% (5.009) (4.809) 5.000% (5.009) (4.809) 4.250% (3.657) (3.457) 5.125% (4.571) (4.371) 5.125% (4.856) (4.656) 4.875% (4.857) (4.657) 4.125% (3.090) (2.890) 5.000% (4.388) (4.188) 5.000% (4.483) (4.283) 4.750% (4.417) (4.217) 4.000% (2.667) (2.467) 4.990% (4.308) (4.108) 4.990% (4.323) (4.123) 4.625% (4.065) (3.865) 3.875% (2.215) (2.015) 4.875% (3.975) (3.775) 4.875% (4.167) (3.967) 4.500% (3.600) (3.400) 3.750% (1.738) (1.538) 4.750% (3.492) (3.292) 4.750% (3.687) (3.487) 4.375% (3.344) (3.144) 3.625% (1.477) (1.277) 4.625% (3.602) (3.402) 4.625% (3.816) (3.616) 4.250% (2.688) (2.488) 3.500% (1.109) (0.909) 4.500% (3.118) (2.918) 4.500% (3.270) (3.070) 4.125% (2.474) (2.274) 3.375% (0.697) (0.497) 4.375% (2.853) (2.653) 4.375% (2.983) (2.783) 4.000% (1.828) (1.628) 3.250% (0.287) (0.087) 4.250% (2.147) (1.947) 4.250% (2.258) (2.058) 3.875% (1.308) (1.108) 3.125% % (1.626) (1.426) 4.125% (2.055) (1.855) 3.750% (0.727) (0.527) 3.000% % (1.216) (1.016) 4.000% (1.594) (1.394) 3.625% (0.217) (0.017) 3.875% (0.749) (0.549) 3.990% (1.514) (1.314) 3.500% % (1.054) (0.854) 3.750% (0.419) (0.219) 3.625% Yr Fixed 5/1 Libor ARM 7/1 Libor ARM 10/1 Libor ARM Agency/Agency No MI Agency/Agency No MI Agency/Agency No MI Agency/Agency No MI Rate Start Rate Start Rate Start Rate % (3.930) (3.730) 4.750% (2.270) (2.020) 5.000% (3.051) (2.801) 5.000% (1.846) (1.596) 4.625% (3.669) (3.469) 4.625% (2.040) (1.790) 4.875% (2.792) (2.542) 4.875% (2.297) (2.047) 4.500% (3.773) (3.573) 4.500% (2.108) (1.858) 4.750% (2.830) (2.580) 4.750% (2.547) (2.297) 4.375% (3.777) (3.577) 4.375% (1.890) (1.640) 4.625% (2.547) (2.297) 4.625% (2.057) (1.807) 4.250% (3.345) (3.145) 4.250% (1.652) (1.402) 4.500% (2.245) (1.995) 4.500% (1.829) (1.579) 4.125% (2.832) (2.632) 4.125% (1.405) (1.155) 4.375% (1.944) (1.694) 4.375% (1.600) (1.350) 4.000% (2.421) (2.221) 4.000% (1.126) (0.876) 4.250% (1.659) (1.409) 4.250% (1.371) (1.121) 3.875% (2.174) (1.974) 3.875% (0.842) (0.592) 4.125% (1.333) (1.083) 4.125% (1.122) (0.872) 3.750% (1.890) (1.690) 3.750% (0.518) (0.268) 4.000% (1.263) (1.013) 4.000% (0.690) (0.440) 3.625% (1.366) (1.166) 3.625% (0.183) % (0.831) (0.581) 3.875% (0.271) (0.021) 3.500% (1.050) (0.850) 3.500% % (0.386) (0.136) 3.750% % (0.658) (0.458) 3.375% % % % (0.441) (0.241) 2.25 Margin, 2/2/5 Caps 2.25 Margin, 5/2/5 Caps 2.25 Margin, 5/2/5 Caps High Balance 15 High Balance 5/1 ARM High Balance 7/1 ARM Agency/Agency No MI Agency/Agency No MI Agency/Agency No MI Rate Start Rate Start Rate Rate % (3.707) (3.507) 4.500% (2.337) (2.087) 4.500% (2.213) (1.963) 4.875% (3.571) (3.371) 4.375% (2.105) (1.855) 4.375% (1.912) (1.662) 4.750% (3.393) (3.193) 4.250% (1.878) (1.628) 4.250% (1.861) (1.611) 4.625% (3.172) (2.972) 4.125% (1.649) (1.399) 4.125% (1.301) (1.051) 4.500% (2.991) (2.791) 4.000% (1.417) (1.167) 4.000% (0.926) (0.676) 4.375% (3.005) (2.805) 3.875% (1.157) (0.907) 3.875% (0.557) (0.307) 4.250% (2.646) (2.446) 3.750% (0.889) (0.639) 3.750% (0.191) % (2.278) (2.078) 3.625% (0.618) (0.368) 3.625% % (1.967) (1.767) 3.500% (0.315) (0.065) 3.500% % (1.597) (1.397) 3.375% % % (1.247) (1.047) 3.250% % % (0.960) (0.760) 3.125% % % (0.642) (0.442) 2.25 Margin, 2/2/5 Caps 2.25 Margin, 5/2/5 Caps Agency TX Home Eq 30/25 Agency TX Home Eq 15 Rate Rate Rate Rate % (5.489) (5.289) 5.000% (4.790) (4.590) 5.375% (5.248) (5.048) 4.875% (4.681) (4.481) 5.250% (5.009) (4.809) 4.750% (4.514) (4.314) 5.125% (4.856) (4.656) 4.625% (4.192) (3.992) 5.000% (4.483) (4.283) 4.500% (4.286) (4.086) 4.875% (4.167) (3.967) 4.375% (4.013) (3.813) 4.750% (3.687) (3.487) 4.250% (3.657) (3.457) 4.625% (3.816) (3.616) 4.125% (3.090) (2.890) 4.500% (3.270) (3.070) 4.000% (2.667) (2.467) 4.375% (2.983) (2.783) 3.875% (2.215) (2.015) 4.250% (2.258) (2.058) 3.750% (1.738) (1.538) 4.125% (2.055) (1.855) 3.625% (1.477) (1.277) 4.000% (1.594) (1.394) 3.500% (1.109) (0.909) 30 Yr Fixed 5/1 ARM Rate Rate % (5.099) (4.899) 4.000% % (4.764) (4.564) 3.875% % (4.787) (4.587) 3.750% % (4.394) (4.194) 3.625% % (4.314) (4.114) 3.500% % (3.984) (3.784) 3.375% % (3.559) (3.359) 3.250% % (3.729) (3.529) 3.125% % (3.167) (2.967) 3.000% % (2.873) (2.673) 2.875% % (2.148) (1.948) 2.750% % (1.957) (1.757) 2.625% % (1.487) (1.287) 2.25 Margin, 2/2/5 Caps FNMA/FHLMC FNMA HOMEREADY Page 2

3 AGENCY Loan Amount Credit Score (Except Terms <=15 Yrs) ** Loans $295k-Std Bal Limit (Agency Fxd,Agency No MI Fxd, HomeReady Fxd, TX Home Equity Fxd only) ** Loans $245k-$294,999 (Agency Fxd,Agency No MI Fxd, HomeReady Fxd, TX Home Equity Fxd only) FICO <=60.00% % % % % % % % ** Loans $200k-$244,999 (Agency Fxd,Agency No MI Fxd, HomeReady Fxd, TX Home Equity Fxd only) >= ** Loans $75k-$99, ** Loans $50k - $74, ** Loans $30k-$49, Property Type * 2 Units (Except High Balance,Super Conf, & HomeReady) * 2 Units (High Balance & Super Conf only) * 3-4 Units (Except High Balance,Super Conf, & HomeReady) * 3-4 Units (High Balance only) Credit Score (In addition to all other adj) * 3-4 Units (Super Conf only) ** Fico Scores > = 740 (Agency Fxd,Agency No MI Fxd, HomeReady Fxd, TX Home Equity Fxd only) * 2-4 Units (HomeReady only) Subordinate Financing * Attached Condo >75% LTV (applicable only to terms >15 yrs) C Occupancy LTV/FICO <=75% % % % % % * N/O/O up to 75% LTV (Except Super Conf) <=65% & FICO < * N/O/O up to 75% LTV (Super Conf only) <=65% & FICO >= * N/O/O LTV 75.01% to 80% (Except Super Conf) % & FICO < * N/O/O LTV 75.01% to 80% (Super Conf only) % & FICO>= * N/O/O LTV 80.01% to 85% % & FICO <720 N/A * Second Home >85% LTV (LP only) % & FICO >=720 N/A Miscellaneous Cash-out (Except TX Home Equity) ** Purchase Bonus (Agency Std Bal Fixed & Agency Std Bal No MI Fixed, HomeReady Fixed only) ** Escrow Waiver (CA Only) FICO <=60.00% % % % % ** Escrow Waiver (all other states) >= n/a * 7-10 Financed Properties (Applicable to N/O/O & 2nd home only) n/a * ARMs w/ltv % n/a ** Down Payment Protection Feature (refer to Down Payment Protection Tab) n/a n/a *If using a PRMG Closed End second, the PRMG 1st lien is subject to a LLPA that will be manually added by Secondary and will be: to the price. Applicable to Agency High Bal Wholesale Rates effective until 5:00 pm PDT, ARMs until 3:30 pm PDT (In an occurrence of a Price Change, Notification will be sent) AGENCY PRICE ADJUSTMENTS Agency, Agency No MI, Agency TX Home Equity, Agency High Balance Agency No MI High Balance, Fannie Mae HomeReady, FHLMC HomeOne n/a n/a Cash-out and Rate&Term (TX Home Equity only) FICO <=60.00% % % % >= (In addition to all other adj) * Purchase & Rate/Term Refi * Cash-out Refinance * High Balance ARM <= 75% LTV * High Balance ARM > 75% LTV Applicable to Lender Paid Agency No MI Programs (In addition to all other LLPAs) Applicable to 30 Yr Term (Agency No MI & Agency High Bal No MI) Applicable to 25 Yr Term (Agency No MI) Applicable to Loan Size >$484,350 (Agency No MI & Agency High Bal No MI) FICO % % % % FICO % % % % FICO >= >= >= Applicable to <=20 Yr Term (Agency No MI & Agency High Bal No MI) Applicable to Second Homes Applicable to R&T Refi's Applicable to One Borrower (Agency No MI & Agency High Bal No MI) (Agency No MI & Agency High Bal No MI) (Agency No MI & Agency High Bal No MI) FICO % % % % FICO FICO FICO >= >= >= >= Applicable to DTI >45% (Agency No MI & Agency High Bal No MI) FICO >= Applicable to Lender Paid HomeReady No MI Programs (In addition to all other LLPAs) Applicable to 30 Yr Term (HomeReady No MI only) Applicable to 25 Yr Term (HomeReady No MI only) Applicable to Loan Size >$484,350 (HomeReady No MI only) FICO % % % % FICO % % % % FICO >= >= >= Applicable to <=20 Yr Term (HomeReady No MI only) Applicable to R&T Refi's Applicable to One Borrower Applicable to DTI >45% (HomeReady No MI only) (HomeReady No MI only) (HomeReady No MI only) FICO % % % % FICO FICO FICO >= >= >= >= HomeReady LLPA Caps LTV >80% & Fico >= All Other LTV & Fico ** These HomeReady LLPA's are NOT subject to the above LLPA Caps Maximum Rebate/Price Cap All Fixed Rates All ARM Rates

4 AGENCY Wholesale Rates effective until 5:00 pm PDT, ARMs until 3:30 pm PDT (In an occurrence of a Price Change, Notification will be sent) 30/25 Yr Fixed 20 Yr Fixed 15 Yr Fixed 10 Yr Fixed Agency LP/Agency LP No MI Agency LP/Agency LP No MI Agency LP/Agency LP No MI Agency LP/Agency LP No MI Rate Rate Rate Rate % (5.263) (5.063) 5.750% (5.570) (5.370) 5.000% (4.549) (4.349) 5.000% (4.112) (3.912) 5.375% (5.064) (4.864) 5.625% (5.618) (5.418) 4.875% (4.440) (4.240) 4.875% (3.933) (3.733) 5.250% (4.733) (4.533) 5.500% (5.473) (5.273) 4.750% (4.273) (4.073) 4.750% (3.826) (3.626) 5.125% (4.642) (4.442) 5.375% (5.230) (5.030) 4.625% (3.950) (3.750) 4.625% (3.565) (3.365) 5.000% (4.358) (4.158) 5.250% (4.932) (4.732) 4.500% (3.757) (3.557) 4.500% (3.639) (3.439) 4.875% (3.973) (3.773) 5.125% (4.732) (4.532) 4.375% (3.782) (3.582) 4.375% (3.664) (3.464) 4.750% (3.494) (3.294) 5.000% (4.499) (4.299) 4.250% (3.350) (3.150) 4.250% (3.231) (3.031) 4.625% (3.537) (3.337) 4.875% (4.209) (4.009) 4.125% (2.834) (2.634) 4.125% (2.728) (2.528) 4.500% (2.996) (2.796) 4.750% (3.824) (3.624) 4.000% (2.419) (2.219) 4.000% (2.317) (2.117) 4.375% (2.683) (2.483) 4.625% (3.583) (3.383) 3.875% (2.027) (1.827) 3.875% (2.070) (1.870) 4.250% (1.963) (1.763) 4.500% (3.047) (2.847) 3.750% (1.613) (1.413) 3.750% (1.786) (1.586) 4.125% (1.719) (1.519) 4.375% (2.930) (2.730) 3.625% (1.290) (1.090) 3.625% (1.262) (1.062) 4.000% (1.251) (1.051) 4.250% (2.327) (2.127) 3.500% (0.843) (0.643) 3.500% (0.819) (0.619) 5/1 Libor ARM 7/1 Libor ARM 10/1 Libor ARM FHLMC Super Conf 20 Agency LP/Agency LP No MI Agency LP/Agency LP No MI Agency LP/Agency LP No MI FHLMC Super Conf No MI 20 Start Rate Start Rate Start Rate Rate % (2.219) (1.969) 4.750% (2.337) (2.087) 4.875% (1.702) (1.452) 5.625% (5.527) (5.327) 4.625% (1.669) (1.419) 4.625% (2.035) (1.785) 4.750% (2.376) (2.126) 5.500% (5.443) (5.243) 4.500% (1.431) (1.181) 4.500% (1.778) (1.528) 4.625% (1.702) (1.452) 5.375% (5.112) (4.912) 4.375% (1.179) (0.929) 4.375% (1.501) (1.251) 4.500% (1.441) (1.191) 5.250% (4.683) (4.483) 4.250% (0.943) (0.693) 4.250% (1.210) (0.960) 4.375% (1.285) (1.035) 5.125% (4.446) (4.246) 4.125% (0.703) (0.453) 4.125% (0.915) (0.665) 4.250% (1.048) (0.798) 5.000% (4.263) (4.063) 4.000% (0.434) (0.184) 4.000% (0.584) (0.334) 4.125% (0.791) (0.541) 4.875% (3.850) (3.650) 3.875% (0.161) % (0.248) % (0.395) (0.145) 4.750% (3.367) (3.167) 3.750% % % % (3.277) (3.077) 3.625% % % % (2.793) (2.593) 3.500% % % % (2.528) (2.328) 3.375% % % % (1.822) (1.622) 2.25 Margin, 2/2/5 Caps 2.25 Margin, 5/2/5 Caps 2.25 Margin, 5/2/5 Caps 4.125% (1.501) (1.301) FHLMC Super Conf 30 FHLMC Super Conf 15 FHLMC Super Conf 5/1 ARM FHLMC Super Conf 7/1 ARM FHLMC Super Conf No MI 30 FHLMC Super Conf No MI 15 FHLMC Super Conf No MI 5/1 ARM FHLMC Super Conf No MI 7/1 ARM Rate Rate Start Rate Start Rate % (3.200) (3.000) 4.750% (3.268) (3.068) 4.375% (0.340) (0.090) 4.500% (2.031) (1.781) 5.750% (3.540) (3.340) 4.625% (3.047) (2.847) 4.250% (0.026) % (1.725) (1.475) 5.625% (5.527) (5.327) 4.500% (2.866) (2.666) 4.125% % (1.423) (1.173) 5.500% (5.443) (5.243) 4.375% (2.880) (2.680) 4.000% % (1.121) (0.871) 5.375% (5.112) (4.912) 4.250% (2.521) (2.321) 3.875% % (0.815) (0.565) 5.250% (4.683) (4.483) 4.125% (2.153) (1.953) 3.750% % (0.449) (0.199) 5.125% (4.446) (4.246) 4.000% (1.842) (1.642) 3.625% % (0.084) % (4.263) (4.063) 3.875% (1.472) (1.272) 3.500% % % (3.850) (3.650) 3.750% (1.088) (0.888) 3.375% % % (3.367) (3.167) 3.625% (0.816) (0.616) 3.250% % % (3.277) (3.077) 3.500% (0.461) (0.261) 3.125% % % (2.628) (2.428) 3.375% % % (2.363) (2.163) 3.250% Margin, 2/2/5 Caps 2.25 Margin, 5/2/5 Caps Home Possible 30 Home Possible No MI 30 Rate % (5.167) (4.967) 5.250% (4.734) (4.534) 5.125% (4.756) (4.556) 5.000% (4.363) (4.163) 4.990% (4.283) (4.083) 4.875% (3.981) (3.781) 4.750% (3.528) (3.328) 4.625% (3.573) (3.373) 4.500% (3.136) (2.936) 4.375% (2.654) (2.454) 4.250% (2.117) (1.917) 4.125% (1.926) (1.726) 4.000% (1.456) (1.256) FHLMC FHLMC HOMEPOSSIBLE Page 4

5 AGENCY Agency LP, Agency LP No MI,FHLMC Super Conf, FHLMC Super Conf No MI, FHLMC HomeOne Home Possible, Home Possible No MI, Home Possible Advantage, Home Possible Advantage No MI Loan Amount Credit Score (Except Terms <=15 Yrs) ** Loans $295k-Std Bal Limit (Agency LP Fixed,Agency LP No MI,HomePossible Fixed only) ** Loans $245k-$294,999 (Agency LP Fixed,Agency LP No MI,HomePossible Fixed only) FICO <=60.00% % % % % % % >95% ** Loans $200k-$244,999 (Agency LP Fixed,Agency LP No MI,HomePossible Fixed only) >= ** Loans $75k-$99, ** Loans $50k - $74, ** Loans $30k-$49, Property Type * 2 Units * 3-4 Units LTV <= 80% * 3-4 Units LTV 80.01%-85% Credit Score * 3-4 Units LTV >85.01% ** Fico Scores > = 740 (Agency LP Fixed & Agency LP No MI Fixed only) * Attached Condo >75% LTV (applicable only to terms >15 yrs) Occupancy Subordinate Financing * N/O/O up to 75% LTV (Except Super Conf) C * N/O/O up to 75% LTV (Super Conf only) LTV/FICO <=75% % % % % % * N/O/O LTV 75.01% to 80% (Except Super Conf) <=65% & FICO < * N/O/O LTV 75.01% to 80% (Super Conf only) <=65% & FICO >= * N/O/O LTV 80.01% to 85% % & FICO < * Second Home w/ltv >85% % & FICO>= Miscellaneous % & FICO <720 N/A ** Purchase Bonus (Agency LP Fixed,Agency LP No MI,HomePossible Fixed only) % & FICO >=720 N/A ** Escrow Waiver ***All Home Possible (above do not apply) ** 7-10 Financed Properties (Applicable to N/O/O & 2nd home only) ***Not applicable when using Affordable Second meeting Section reqmts. ** ARM's >90% LTV (except FHLMC Super Conf) ** Down Payment Protection Feature (refer to Down Payment Protection Tab). Applicable to FHLMC Super Conf (in add to all other adj) Cash-out * Purchase & Rate/Term Refi * Cash-out Refinance FICO <=60.00% % % % * High Balance ARM Purch, R/T, Cash-out <=75% LTV >= * High Balance ARM Purch, R/T, Cash-out >75%-90% LTV * High Balance ARM Purch, R/T >90% LTV * Fico Scores * Fico Scores HomePossible LLPA Caps LTV >80% & Fico >= All Other LTV & Fico ** These HomePossible LLPA's are NOT subject to the above LLPA Caps Applicable to Lender Paid Agency LP No MI & FHLMC Super Conforming No MI Programs (In addition to all other LLPAs) Applicable to 30 Yr Term (Agency LP No MI & FHLMC Sup Conf No MI) Applicable to 25 Yr Term (Agency LP No MI) Applicable to Loan Size >$484,350 (Agency LP No MI & FHLMC Sup Conf No MI) FICO % % % % FICO % % % % FICO >= >= >= Applicable to <=20 Yr Term (Agency LP No MI & FHLMC Sup Conf No MI) Applicable to Second Homes Applicable to R&T Refi's Applicable to One Borrower (Agency LP No MI & FHLMC Sup Conf No MI) (Agency LP No MI & FHLMC Sup Conf No MI) (Agency LP No MI & FHLMC Sup Conf No MI) FICO % % % % FICO FICO FICO >= >= >= >= Applicable to DTI >45% (Agency LP No MI & FHLMC Sup Conf No MI) FICO >= **Applicable to Lender Paid HomePossible No MI Programs (In addition to all other LLPAs) Applicable to 30 Yr Term (HomePossible No MI only) Applicable to Loan Size >$484,350 Applicable to R&T Refi's (HomePossible No MI only) (HomePossible No MI only) FICO % % % % FICO FICO >= >= >= Applicable to One Borrower Applicable to DTI >45% (HomePossible No MI only) (HomePossible No MI only) FICO FICO >= >= Wholesale Rates effective until 5:00 pm PDT, ARMs until 3:30 pm PDT (In an occurrence of a Price Change, Notification will be sent) AGENCY LP PRICE ADJUSTMENTS Maximum Rebate/Price Cap All Fixed Rates All ARM Rates

6 AGENCY Wholesale Rates effective until 5:00 pm PDT, ARMs until 3:30 pm PDT (In an occurrence of a Price Change, Notification will be sent) Agency Portfolio 30 Yr Fixed 20 Yr Fixed 15 Yr Fixed 10 Yr Fixed Portfolio/Portfolio No MI Portfolio/Portfolio No MI Portfolio/Portfolio No MI Portfolio/Portfolio No MI Rate Rate Rate Rate % (6.238) (6.038) 5.750% (5.660) (5.460) 5.000% (4.540) (4.290) 5.000% (3.966) (3.966) 5.875% (5.959) (5.759) 5.625% (5.820) (5.620) 4.875% (4.431) (4.181) 4.875% (3.787) (3.787) 5.750% (5.641) (5.441) 5.500% (5.572) (5.372) 4.750% (4.264) (4.014) 4.750% (3.680) (3.680) 5.625% (5.518) (5.318) 5.375% (5.405) (5.205) 4.625% (3.942) (3.692) 4.625% (3.419) (3.419) 5.500% (5.239) (5.039) 5.250% (5.191) (4.991) 4.500% (4.036) (3.786) 4.500% (3.523) (3.523) 5.375% (4.998) (4.798) 5.125% (5.030) (4.830) 4.375% (3.763) (3.513) 4.375% (3.527) (3.527) 5.250% (4.759) (4.559) 5.000% (4.759) (4.559) 4.250% (3.407) (3.157) 4.250% (3.095) (3.095) 5.125% (4.606) (4.406) 4.875% (4.607) (4.407) 4.125% (2.840) (2.590) 4.125% (2.582) (2.582) 5.000% (4.233) (4.033) 4.750% (4.167) (3.967) 4.000% (2.417) (2.167) 4.000% (2.171) (2.171) 4.990% (4.153) (3.953) 4.625% (3.815) (3.615) 3.875% (1.965) (1.715) 3.875% (1.924) (1.924) 4.875% (3.917) (3.717) 4.500% (3.350) (3.150) 3.750% (1.488) (1.238) 3.750% (1.640) (1.640) 4.750% (3.437) (3.237) 4.375% (3.094) (2.894) 3.625% (1.227) (0.977) 3.625% (1.116) (1.116) 4.625% (3.566) (3.366) 4.250% (2.438) (2.238) 3.500% (0.859) (0.609) 3.500% (0.800) (0.800) 4.500% (3.020) (2.820) 4.375% (2.733) (2.533) 4.250% (2.008) (1.808) 4.125% (1.805) (1.605) 4.000% (1.344) (1.144) 3.990% (1.264) (1.064) 5/1 Libor ARM 7/1 Libor ARM 30 Yr Fixed 20 Yr Fixed Portfolio/Portfolio No MI Portfolio/Portfolio No MI Portfolio High Bal/Port No MI High Bal Portfolio High Bal/Port No MI High Bal Start Rate Start Rate Rate Rate % (2.020) (1.770) 5.000% (2.801) (2.551) 5.875% (4.431) (4.231) 6.000% #VALUE! #VALUE! 4.625% (1.790) (1.540) 4.875% (2.542) (2.292) 5.750% (3.957) (3.757) 5.875% (4.203) (4.003) 4.500% (1.858) (1.608) 4.750% (2.580) (2.330) 5.625% (5.402) (5.202) 5.750% (3.730) (3.530) 4.375% (1.640) (1.390) 4.625% (2.297) (2.047) 5.500% (5.468) (5.268) 5.625% (5.396) (5.196) 4.250% (1.402) (1.152) 4.500% (1.995) (1.745) 5.375% (4.708) (4.508) 5.500% (5.312) (5.112) 4.125% (1.155) (0.905) 4.375% (1.694) (1.444) 5.250% (4.471) (4.271) 5.375% (4.981) (4.781) 4.000% (0.876) (0.626) 4.250% (1.409) (1.159) 5.125% (4.288) (4.088) 5.250% (4.552) (4.352) 3.875% (0.592) (0.342) 4.125% (1.083) (0.833) 5.000% (4.208) (4.008) 5.125% (4.316) (4.116) 3.750% (0.268) (0.018) 4.000% (1.013) (0.763) 4.875% (3.725) (3.525) 5.000% (4.133) (3.933) 3.625% % (0.581) (0.331) 4.750% (3.242) (3.042) 4.875% (3.719) (3.519) 3.500% % (0.136) % (3.152) (2.952) 4.750% (3.236) (3.036) 3.375% % % (2.668) (2.468) 4.625% (3.147) (2.947) 3.250% % % (2.403) (2.203) 4.500% (2.662) (2.462) 4.250% (1.697) (1.497) 4.375% (2.397) (2.197) 4.125% (1.076) (0.876) 4.250% (1.691) (1.491) 4.000% (0.666) (0.466) 3.875% (0.199) Margin, 2/2/5 Caps 2.25 Margin, 5/2/5 Caps 0.000% Yr Fixed 10 Yr Fixed 5/1 Libor ARM 7/1 Libor ARM Portfolio High Bal/Port No MI High Bal Portfolio High Bal/Port No MI High Bal Portfolio High Balance Portfolio High Balance Rate Rate Start Rate Start Rate % (3.457) (3.257) 5.000% (3.457) (3.207) 4.250% (1.628) (1.378) 4.500% (1.963) (1.713) 4.875% (3.321) (3.121) 4.875% (3.321) (3.071) 4.125% (1.399) (1.149) 4.375% (1.662) (1.412) 4.750% (3.143) (2.943) 4.750% (3.143) (2.893) 4.000% (1.167) (0.917) 4.250% (1.361) (1.111) 4.625% (2.922) (2.722) 4.625% (2.922) (2.672) 3.875% (0.907) (0.657) 4.125% (1.051) (0.801) 4.500% (2.741) (2.541) 4.500% (2.741) (2.491) 3.750% (0.639) (0.389) 4.000% (0.676) (0.426) 4.375% (2.755) (2.555) 4.375% (2.755) (2.505) 3.625% (0.368) (0.118) 3.875% (0.307) (0.057) 4.250% (2.396) (2.196) 4.250% (2.396) (2.146) 3.500% (0.065) % % (2.028) (1.828) 4.125% (2.028) (1.778) 3.375% % % (1.717) (1.517) 4.000% (1.717) (1.467) 3.250% % % (1.347) (1.147) 3.875% (1.347) (1.097) 3.125% % % (0.997) (0.797) 3.750% (0.997) (0.747) 3.000% % % (0.710) (0.510) 3.625% (0.710) (0.460) 2.875% % % (0.392) (0.192) 3.500% (0.392) (0.142) 2.25 Margin, 2/2/5 Caps 2.25 Margin, 5/2/5 Caps Page 6

7 AGENCY Loan Amount Credit Score (Except Terms <=15 Yrs) * Loans $295k-Std Bal Limit (Agency DU Portfolio & Agency DU Portfolio No MI Fixed only) * Loans $245k-$294,999 (Agency DU Portfolio & Agency DU Portfolio No MI Fixed only) FICO <=60.00% % % % % % % % * Loans $200k-$244,999 (Agency DU Portfolio & Agency DU Portfolio No MI Fixed only) >= * Loans $75k-$99, * Loans $50k - $74, * Loans $30k-$49, Property Type * 2-4 Units * Attached Condo >75% LTV (applicable only to terms >15 yrs) * Manufactured Home (non-trad Credit Occupancy Credit Score * N/O/O up to 75% LTV * Fico Scores > = 740 (Agency DU Portfolio & Agency DU Portfolio No MI Fixed only) * N/O/O % LTV Subordinate Financing * N/O/O % LTV C Miscellaneous LTV/FICO <=75% % % % % * High LTV % <=65% & FICO < * Purchase Bonus (Agency DU Portfolio & Agency DU Portfolio No MI Fixed only) <=65% & FICO >= * Escrow Waiver (CA Only) % & FICO < * Escrow Waiver (all other states) % & FICO>= * 7-10 Financed Properties (Applicable to N/O/O & 2nd home only) % & FICO <720 N/A * ARMs w/ltv % % & FICO >=720 N/A ** Down Payment Protection Feature (refer to Down Payment Protection Tab). *If using a PRMG Closed End second, the PRMG 1st lien is subject to a LLPA that will be manually added by Secondary and will be: to the Cash-out price. Applicable to High Bal only FICO <=60.00% % % % % Loan Purpose >= n/a * Purchase & Rate/Term Refi n/a * Cash-out Refi n/a Miscellaneous n/a * High Balance ARM LTV <=75% n/a * High Balance ARM LTV >75% n/a Maximum Rebate/Buy n/a All Fixed Rates All ARM Rates Applicable to Lender Paid Portfolio No MI & Portfolio High Bal No MI Programs (In addition to all other LLPAs) Applicable to 30 Yr Term (Portfolio No MI & Portfolio High Bal No MI) Applicable to 25 Yr Term (Portfolio No MI & Portfolio High Bal No MI) Applicable to Loan Size >$484,350 (Portfolio No MI & Portfolio High Bal No MI) FICO % % % % FICO % % % % FICO >= >= >= Applicable to <=20 Yr Term (Portfolio No MI & Portfolio High Bal No MI) Applicable to Second Homes Applicable to R&T Refi's Applicable to One Borrower (Portfolio No MI & Portfolio High Bal No MI) (Portfolio No MI & Portfolio High Bal No MI) (Portfolio No MI & Portfolio High Bal No MI) FICO % % % % FICO FICO FICO >= >= >= >= Applicable to DTI >45% (Portfolio No MI & Portfolio High Bal No MI) FICO >= Wholesale Rates effective until 5:00 pm PDT, ARMs until 3:30 pm PDT (In an occurrence of a Price Change, Notification will be sent) PRICE ADJUSTMENTS Portfolio, Portfolio High Balance, Portfolio No MI, Portfolio No MI High Balance Price Adjustments Maximum Rebate/Price Cap Portfolio Fixed Portfolio High Balance Fixed Portfolio No MI Fixed Portfolio No MI High Balance Fixed Portfolio ARMs This is not an advertisement pursuant to 12 C.F.R (a)(2). This is informational material intended for real estate business professionals only and is not for distribution to consumers or prospective applicants for residential mortgage loans. Interest rate, terms and programs are subject to change without notice Paramount Residential Mortgage Group, Inc Corona Pointe Court, Corona, CA All Rights Reserved. NMLS ID Page 7

8 GOVERNMENT Wholesale Rates effective until 5:00 pm PDT, ARMs until 3:30 pm PDT (In an occurrence of a Price Change, Notification will be sent) FHA 30/25 Yr Fixed 15 Yr Fixed 5/1 ARM High Balance - 30/25/20 Rate Rate Start Rate Rate % (5.714) (5.514) 4.500% (3.384) (3.184) 4.500% (1.972) (1.722) 5.500% (2.991) (2.791) 6.000% (5.589) (5.389) 4.375% (3.095) (2.895) 4.375% (1.736) (1.486) 5.375% (3.981) (3.781) 5.875% (5.464) (5.264) 4.250% (3.275) (3.075) 4.250% (1.486) (1.236) 5.250% (3.830) (3.630) 5.750% (5.451) (5.251) 4.125% (3.027) (2.827) 4.125% (1.054) (0.804) 5.125% (3.315) (3.115) 5.625% (5.072) (4.872) 4.000% (2.737) (2.537) 4.000% (1.025) (0.775) 5.000% (3.602) (3.402) 5.500% (4.791) (4.591) 3.875% (2.381) (2.181) 3.875% (0.510) (0.260) 4.990% (3.522) (3.322) 5.375% (4.610) (4.410) 3.750% (2.164) (1.964) 3.750% (0.232) % (3.425) (3.225) 5.250% (4.875) (4.675) 3.625% (1.428) (1.228) 3.625% % (3.271) (3.071) 5.125% (4.990) (4.790) 3.500% (1.367) (1.167) 3.500% % (3.398) (3.198) 5.000% (4.483) (4.283) 3.375% (1.080) (0.880) 3.375% % (3.182) (2.982) 4.990% (4.403) (4.203) 3.250% (0.687) (0.487) 3.250% % (3.037) (2.837) 4.875% (4.106) (3.906) 3.125% % (2.506) (2.306) 4.750% (4.090) (3.890) 3.000% % (2.553) (2.353) 4.625% (4.697) (4.497) 2.875% % (2.137) (1.937) 4.500% (4.215) (4.015) 2.750% % (1.672) (1.472) 4.375% (3.672) (3.472) 3.750% (1.176) (0.976) 4.250% (3.424) (3.224) 3.625% (0.602) (0.402) 4.125% (3.380) (3.180) 3.500% (0.096) % (2.930) (2.730) 3.375% % (2.850) (2.650) 3.875% (2.260) (2.060) 3.750% (1.853) (1.653) 3.625% (1.387) (1.187) 3.500% (0.877) (0.677) 2.00 Margin, 1/1/5 Caps High Balance 5/1 ARM Streamline 30 Streamline 15 Streamline HB - 30 Start Rate Rate Rate Rate % (1.301) (1.051) 4.875% (3.661) (3.461) 4.250% (3.094) (2.894) 5.375% (3.806) (3.606) 4.375% (1.009) (0.759) 4.750% (3.785) (3.585) 4.125% (2.675) (2.475) 5.250% (3.655) (3.455) 4.250% (0.876) (0.626) 4.625% (4.347) (4.147) 4.000% (2.408) (2.208) 5.125% (3.140) (2.940) 4.125% (0.390) (0.140) 4.500% (3.865) (3.665) 3.875% (2.052) (1.852) 5.000% (3.427) (3.227) 4.000% (0.142) % (3.322) (3.122) 3.750% (1.836) (1.636) 4.875% (3.250) (3.050) 3.875% (0.009) % (3.132) (2.932) 3.625% (1.145) (0.945) 4.750% (3.121) (2.921) 3.750% % (3.030) (2.830) 3.500% (1.039) (0.839) 4.625% (3.113) (2.913) 3.625% % (2.580) (2.380) 3.375% (0.751) (0.551) 4.500% (3.007) (2.807) 3.500% % (2.500) (2.300) 3.250% (0.358) (0.158) 4.375% (2.862) (2.662) 3.375% % (1.910) (1.710) 3.125% % (2.331) (2.131) 3.250% % (1.503) (1.303) 3.000% % (2.378) (2.178) 3.625% (0.987) (0.787) 2.875% % (1.962) (1.762) 2.00 Margin, 1/1/5 Caps 3.500% (0.569) (0.369) 2.750% % (1.497) (1.297) VA/USDA VA 30 Yr Fixed VA 15 Yr Fixed VA 5/1 ARM VA High Balance - 30 Rate Rate Start Rate Rate % (5.514) (5.314) 4.500% (3.310) (3.060) 4.500% (2.418) (2.168) 5.500% (2.751) (2.551) 6.000% (5.389) (5.189) 4.375% (2.967) (2.717) 4.375% (2.182) (1.932) 5.375% (3.741) (3.541) 5.875% (5.264) (5.064) 4.250% (3.144) (2.894) 4.250% (1.932) (1.682) 5.250% (3.590) (3.390) 5.750% (5.251) (5.051) 4.125% (2.814) (2.564) 4.125% (1.500) (1.250) 5.125% (3.075) (2.875) 5.625% (4.872) (4.672) 4.000% (2.501) (2.251) 4.000% (1.221) (0.971) 5.000% (3.362) (3.162) 5.500% (4.591) (4.391) 3.875% (2.158) (1.908) 3.875% (0.956) (0.706) 4.875% (3.185) (2.985) 5.375% (4.410) (4.210) 3.750% (1.848) (1.598) 3.750% (0.678) (0.428) 4.750% (3.031) (2.831) 5.250% (4.675) (4.475) 3.625% (1.185) (0.935) 3.625% (0.191) % (3.158) (2.958) 5.125% (4.790) (4.590) 3.500% (1.051) (0.801) 3.500% % (2.942) (2.742) 5.000% (4.283) (4.083) 3.375% (0.764) (0.514) 3.375% % (2.797) (2.597) 4.875% (3.906) (3.706) 3.250% (0.371) (0.121) 3.250% % (2.266) (2.066) 4.750% (3.890) (3.690) 3.125% % % (2.313) (2.113) 4.625% (4.497) (4.297) 3.000% % % (1.897) (1.697) 4.500% (4.015) (3.815) 2.875% % % (1.432) (1.232) 4.375% (3.472) (3.272) 2.750% % % (0.936) (0.736) 4.250% (3.224) (3.024) 3.625% (0.487) (0.287) 4.125% (3.180) (2.980) 3.500% % (2.730) (2.530) 3.875% (2.060) (1.860) 3.750% (1.653) (1.453) 3.625% (1.187) (0.987) 3.500% (0.677) (0.477) 2.00 Margin, 1/1/5 Caps VA IRRRL - 30/25/20 VA IRRRL - 15 VA IRRRL High Bal - 30 USDA - 30 Yr Rate Rate Rate Rate % (3.948) (3.748) 4.500% (2.953) (2.753) 5.000% (2.488) (2.288) 5.250% (4.348) (4.148) 4.875% (3.663) (3.463) 4.375% (2.704) (2.504) 4.875% (2.060) (1.860) 5.125% (4.136) (3.936) 4.750% (3.535) (3.335) 4.250% (2.844) (2.644) 4.750% (2.871) (2.671) 5.000% (4.048) (3.848) 4.625% (4.028) (3.828) 4.125% (2.425) (2.225) 4.625% (2.397) (2.197) 4.875% (3.544) (3.344) 4.500% (3.608) (3.408) 4.000% (2.345) (2.145) 4.500% (2.192) (1.992) 4.750% (4.597) (4.397) 4.375% (3.190) (2.990) 3.875% (1.990) (1.790) 4.375% (1.998) (1.798) 4.625% (4.721) (4.521) 4.250% (2.882) (2.682) 3.750% (1.773) (1.573) 4.250% (1.937) (1.737) 4.500% (4.353) (4.153) 4.125% (2.961) (2.761) 3.625% (1.037) (0.837) 4.125% (1.448) (1.248) 4.375% (3.944) (3.744) 4.000% (2.573) (2.373) 3.500% (0.976) (0.776) 4.000% (0.925) (0.725) 4.250% (3.283) (3.083) 3.875% (1.904) (1.704) 3.375% (0.689) (0.489) 3.875% (0.397) (0.197) 4.125% (3.031) (2.831) 3.750% (1.402) (1.202) 3.250% (0.296) (0.096) 3.750% (0.140) % (2.479) (2.279) 3.625% (1.058) (0.858) 3.125% % % (1.882) (1.682) 3.500% (0.471) (0.271) 3.000% % % (1.403) (1.203) Government Price Adjustments Loan Amount FICO * Loans $250k-Std Bal Limit * Fico Scores 720+ (all FHA, VA & USDA; Except FHA strml Std & High Bal VA IRRRL * Loans $175k-$249, * Fico Scores >= 700 (FHA Strml Std & High Bal &VA IRRRL Std & High Bal only) * Loans $75k-$99, * Fico Scores (all FHA, VA & USDA; Except FHA strml Std & High Bal VA IR * Loans $50k-$74, * Fico Scores (FHA Strml Std & High Bal &VA IRRRL Std & High Bal only) * Loans $30k-$49, * Fico Scores (VA IRRRL High Bal only) * Loans < $30,000 Contact Secondary * Fico Scores (FHA Std Bal Streamline Only) * Loans $1M-$1.5m (VA High Bal only) * Fico Scores (all; except FHA Std Bal Strmln & VA IRRRL HB) * Loans >=$1m (VA IRRRL High Bal only) * Fico Scores (all; except FHA Std Bal Strmln & VA IRRRL HB) * Fico Scores * Fico Scores LTV * Fico Scores * Streamline CLTV % * No FICO Score (Non-Traditional Credit only) * VA IRRRL & VA IRRRL High Bal w/ltv > % * Fico Scores * VA IRRRL & VA IRRRL High Bal w/ltv >105% Miscellaneous Occupancy * Purchase Bonus (FHA, VA only - All Standard Bal Fixed only) * Non Owner Occupied * Down Payment Asst Prgrms (FHA High Bal only) Maximum Rebate/Price Cap * FHA Manufactured Home All Fixed Rates * USDA/VA Manufactured Home All ARM Rates ** Down Payment Protection Feature (refer to Down Payment Protection Tab). 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9 Down Payment Protection Feature LTV 80.00% Group Group Group Group Group Available Programs * Purchase only 80.01%-81.00% * Agency 81.01%-82.00% * Agency NO MI 82.01%-83.00% * Agency LP 83.01%-84.00% * Agency High Balance 84.01%-85.00% * Home Ready 85.01%-86.00% * Home Possible 86.01%-87.00% * FHLMC Super Confriming 87.01%-88.00% * FHA 88.01%-89.00% * FHA Portfolio 89.01%-90.00% * FHA Portfolio No Score 90.01%-91.00% * FHA 203H 91.01%-92.00% * FHA Portfolio GNND 92.01%-93.00% 93.01%-94.00% 94.01%-95.00% Programs- Not Allowed 95.01%-96.00% * Refinance 96.01%-96.50% * Agency Tx Home Equity 96.51%-97.00% * Niche * Jumbos AK, AL, AR, CA, CO, CT, DC, HI, IA, IL, IN, KS, KY, LA, MA, ME, MO, MS, MT, NC, ND, NE, NH, NJ, * FHA Streamilines Group1 NM, OH, OK, PA, SC, SD, TN, TX, VA, VT, WA, WI, WV * DU Refi Plus Group2 Group3 Group4 Group5 DE, FL, MD, MI, MN, RI, UT GA, OR ID AZ, NV Wholesale Rates effective until 5:00 pm PDT, ARMs until 3:30 pm PDT (In an occurrence of a Price Change, Notification will be sent) Down Payment Protection Feature * Closed End Seconds * VA IRRRLS * FHA 203K Notes: 1 - All rates include State level fees and taxes. 2 - Maximum coverage available cannot exceed $200,000 Rate Sheet: WHLS-1004