Purchase: Conventional, FHA, USDA, VA. Refinance: Conventional, FHA, USDA, VA. Emerging Banker
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- Cora Moody
- 5 years ago
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1 File Type Purchase: Conventional, FHA, USDA, VA Refinance: Conventional, FHA, USDA, VA Closing Doc Turn Times Initial CD will be issued when all Prior to Approval conditions are cleared and loan is locked Loans Locked Today Will Expire On: Date Issued: 6/28/18 10:07 AM 8241 Dow Circle West, Strongsville, OH Rate Sheet # 06/28/18 v1 Phone: Day: 7/13/ Day: 7/28/ Day: 8/12/ Day: 8/27/2018 Emerging Banker UHM recently expanded its program offering to include our non-delegated Mini-Corr option called Emerging Banker. This program is for Conventional loans only with a Review Fee of $795 in lieu of our Underwriting Fee and a 10bps pricing adjustment. Please contact your Account Executive for details... Lender Paid Mortgage Insurance (LPMI) UHM offers LPMI but does not post a flat adjustment on the rate sheet since all loans are adjusted on a loan by loan basis. Please visit our website below to obtain pricing LPMI loans or contact your Account Executive for assistance... Mortgagee Clause and Lender IDs Mortgagee Clause for Hazard and Flood Insurance Policies Union Home Mortgage Corp ISAOA/ATIMA C/O CENLAR P.O. Box Florence, SC FHA ID VA ID Title Proposed Insured and CPL Address Conventional: Union Home Mortgage Corp ISAOA/ATIMA FHA: Union Home Mortgage Corp ISAOA/ATIMA & Sec of HUD VA: Union Home Mortgage Corp ISAOA/ ATIMA & Dept of VA USDA: Union Home Mortgage Corp ISAOA/ATIMA Closing Protection Letter Address: 8241 Dow Circle W., Strongsville, OH Rate Lock Policy TPO Portal Access Lock Extensions 3 days % 7 days % 10 days % 15 days % 20 days % 30 days % Underwriting Fee $850 Region 1 (MI, OH, KY, TN, MS, AL, GA, FL, SC, NC, VA, WV, PA, NJ, MD) $1050 Region 2 (WI, IL, IN, MN, IA, MO, NE, KS, OK, TX, CO, NM, AZ, WA, OR, CA) $500 for FHA Streamline Refinances and VA IRRRL Not Applicable on Emerging Banker Loans Contacts/Notes TPORateLocks@unionhomemortgage.com TPOCaseNumber@unionhomemortgage.com TPOClosing@unionhomemortgage.com TPOAppraisal@unionhomemortgage.com ALL TEXAS LOANS MUST HAVE $150 ATTORNEY DOC PREP FEE DISCLOSED Servicing Information In the event you are selling a refinance back to UHM that is currently being serviced, we are currently offering a transfer of the existing escrow account. Please contact your Account Executive for more information.
2 Conventional Programs 30 Year Conventional - Standard Product Year Conventional - Standard Product Year Conventional - Standard Product Year Conventional - Standard Product Cash-Out Refinance <=60.00% % 75.00% 80.00% >= % % % % % % % % % % % % % % % % % % % % % % % % % % % % Applicable for all mortgages with all terms <=60.00% % % % % % 80.00% 85.00% Investment Property % % % % % N/A N/A N/A <=60.00% % 75.00% 80.00% 85.00% 90.00% % % >= % -0.25% -0.25% -0.50% -0.25% -0.25% -0.25% -0.75% % -0.25% -0.50% -0.75% -0.50% -0.50% -0.50% % -0.50% -1.25% -1.50% % -0.50% -1.25% -1.75% -1.50% -1.25% -1.25% -1.50% % -2.25% -2.75% -2.75% -2.25% -2.25% -2.25% % -1.25% -2.75% -3.00% -3.25% -2.75% -2.75% -2.75% % -1.50% -3.00% -3.00% -3.25% -3.25% -3.25% -3.50% < =65.00% 80.01%-95.00% % % 65.01%-75.00% 80.01%-95.00% % % 75.01%-95.00% 90.01%-95.00% % % 75.01%-90.00% 75.01%-90.00% % % <=95.00% 95.01%-97.00% % % Subordinate Finance % Condo > 75% LTV & >15 yr Term -0.75% 2 unit <=85% LTV Manufactured Home 3-4 Unit <=75% LTV Emerging Banker 0.10% Non Agency Adjustments -0.25% CO Loan Amount: CA 50,000-75, % LTV Reg 2: WI, IL, IN, MN, IA, MO, NE, KS, OK, TX, CO, NM, AZ, WA, OR, CA >95% -0.50% Loan Amount:
3 15 Day Lock Exp. 30 Day Lock Exp. 45 Day Lock Exp. 60 Day Lock Exp. Conventional Programs 30 Year High Balance Conventional High Balance Adjusters Conv High Balance Cash Out
4 15 Day Lock Exp. 30 Day Lock Exp. 45 Day Lock Exp. 60 Day Lock Exp. High Balance Government Programs 30 Year High Balance Government
5 Government Loan Programs 30 Year Government Standard Product Year Government Standard Product Government Price Adjustments VA 0.000% USDA % FHA Streamline % VA IRRRL 0.000% FICO >= % FICO % FICO % FICO % FICO % FICO is No Score % Manufactured Home % Investment Property % Today's USDA Max Rate may differ from the rate sheet. Please check the pricing engine for the current USDA Max Rate Non Agency Adjustments Ineligible States Reg 1: CO Loan Amount: MI, OH, KY, TN, MS, AL, GA, FL, SC, NC, VA, WV, PA, NJ, MD Loan AMT NO UW FEE CA 0.15% CA 50,000-75, % CO 0.20% IL 0.25% IN 0.25% 125, , % % FL 0.10% 150, , % % TX 0.10% 175, , % % NC 0.25% 200, , % % NJ 0.25% 250, , % % 300, , % % > 350, % % MIN FICO FHA Cash Out Reg 2: WI, IL, IN, MN, IA, MO, NE, KS, OK, TX, CO, NM, AZ, WA, OR, CA 640 Loan Amount:
6 15 Day Lock Exp. 30 Day Lock Exp. 45 Day Lock Exp. 60 Day Lock Exp. ARM Programs Conv ARM Product 5/1 Rate 30 day 45 day 60 day Conv ARM Product 7/1 Rate 30 day 45 day 60 day Conv ARM Product 10/1 Rate 30 day 45 day 60 day Cash-Out Refinance <=60.00% % % % >= % % % % % % % % % % % % % % % % % % % % % % % % Applicable for all mortgages with all terms <=60.00% % % % % % % % Investment Property % % % % % % LTV > 95% -0.50% <=60.00% % % % % % % % >= % -0.25% -0.25% -0.50% -0.25% -0.25% -0.25% -0.75% % -0.25% -0.50% -0.75% -0.50% -0.50% -0.50% % -0.50% -1.25% -1.50% % -0.50% -1.25% -1.75% -1.50% -1.25% -1.25% -1.50% % -2.25% -2.75% -2.75% -2.25% -2.25% -2.25% % -1.25% -2.75% -3.00% -3.25% -2.75% -2.75% -2.75% % -1.50% -3.00% -3.00% -3.25% -3.25% -3.25% -3.50% < =65.00% 80.01%-95.00% % % 65.01%-75.00% 80.01%-95.00% % % 75.01%-95.00% 90.01%-95.00% % % LTV > %-90.00% 75.01%-90.00% % % % <=95.00% 95.01%-97.00% % % Subordinate Finance % Condo > 75% LTV & >15 yr Term -0.75% 2 unit <85% LTV Manufactured Home 3-4 Unit <75% LTV ARM Margin/Caps 2.25% Libor 5/2/5 Non Agency Adjustments -0.25% Loan Amount: 50,000-75, % LTV Reg 2: WI, IL, IN, MN, IA, MO, NE, KS, OK, TX, CO, NM, AZ, WA, OR, CA >95% -0.50% Loan Amount:
7 % Amortization Term LTV <= 105% LTV > 105% 97.01%-105% > 25 Years and <= 30 Years <= 25 Years 30 Yr Conventional DU Refi Plus HARP Agency LLPA Caps Primary Residence, LTV > 80% Amortization Term LLPA Cap >20 Years -0.75% High LTV Adjustments <= 20 Years 0.00% LTV LLPA All Other Du Refi Plus 95.01%-97% -2.00% -2.00% -2.00% -1.50% Applicable for all mortgages with with all terms <=60.00% % % % % % % % Investment Property % % % % % N/A N/A N/A <=60.00% % % % % % % % % >= % -0.25% -0.25% -0.25% 0.00% 0.00% 0.00% 0.00% 0.00% % -0.25% -0.50% -0.25% 0.00% 0.00% 0.00% 0.00% 0.00% % -0.50% -0.75% -0.75% -0.50% -0.50% -0.50% -0.50% -0.50% % -0.50% -0.75% -0.75% -0.75% -0.75% -0.75% -0.50% -0.50% % -1.50% -1.75% -1.75% -1.75% -1.75% -1.25% -1.25% % -1.25% -2.00% -2.25% -2.25% -2.25% -2.25% -1.75% -1.75% % -1.50% -2.50% -2.75% -2.75% -2.75% -2.75% -2.50% -2.50% < =65.00% 80.01%-95.00% 0.000% 0.000% 65.01%-75.00% 80.01%-95.00% % % 75.01%-95.00% 90.01%-95.00% % % 75.01%-90.00% 75.01%-90.00% % 0.000% <=95.00% 95.01%-97.00% % % Subordinate Finance % Condo > 75% LTV & >15 yr Term -0.75% 2 unit Manufactured Home -0.50% 3-4 Unit Non-Agency Adjustments (exclusive of agency cap) -0.25% Loan Amount: 50,000-75, % Reg 2: WI, IL, IN, MN, IA, MO, NE, KS, OK, TX, CO, NM, AZ, WA, OR, CA Loan Amount:
8 Cash-Out Refinance <=60.00% % % % 30 Yr FHLMC Open Access >= % % % % LTV% <= 80% >80% % % % % Primary OO -2.00% -0.75% % % % % NOO -2.00% -2.00% % % % % % % % % Agency LLPA Cap High LTV Adjustments % % % % LTV LLPA % % % % 95.01%-97% -0.50% 97.01%-105% <=60.00% % % % % % % >95% >= % -0.25% -0.25% -0.50% 0.00% 0.00% 0.00% 0.00% % -0.25% -0.50% -0.75% 0.00% 0.00% 0.00% 0.00% % -0.50% -1.25% -0.50% % -0.50% -1.25% -1.75% -1.50% -1.25% -1.25% -0.75% % -2.25% -2.75% -2.75% -2.25% -2.25% -1.75% % -1.25% -2.75% -3.00% -3.25% -2.75% -2.75% -2.25% % -1.50% -3.00% -3.00% -3.25% -3.25% -3.25% -2.75% < % -1.50% -3.00% -3.00% -3.25% -3.25% -3.25% -3.75% Investment Property % % % % % LTV > 95% -0.50% < =75.00% <= 80% % % < =65.00% 80.01%-95.00% % % 65.01%-75.00% 80.01%-95.00% % % 75.01%-80.00% 75.01%-95.00% % % 80.01%-90.00% 80.01%-95.00% % % % 90.01%-95.00% % % <=95.00% 95.01%-97.00% % % Condo > 75% LTV & >15 yr Term -0.75% 2 unit <=85% LTV Manufactured Home 3-4 Unit <=75% LTV -2.00% Non-Agency Adjustments (exclusive of agency cap) -0.25% Loan Amount: 50,000-75, % Reg 2: WI, IL, IN, MN, IA, MO, NE, KS, OK, TX, CO, NM, AZ, WA, OR, CA Loan Amount:
9 30 Yr FNMA HomeReady PRODUCT FEATURE LTV > 80% and credit score 680 All other LTVs and FICO combinations LLPA Caps 0.00% 1.50% Applicable for all mortgages with with all terms <=60.00% % % % % % 95.00% 97.00% Investment Property % % % % % N/A N/A N/A <=60.00% % % % % % >= % -0.25% -0.25% -0.50% -0.25% -0.25% -0.25% -0.75% % -0.25% -0.50% -0.75% -0.50% -0.50% -0.50% % -0.50% -1.25% -1.50% % -0.50% -1.25% -1.75% -1.50% -1.25% -1.25% -1.50% % -2.25% -2.75% -2.75% -2.25% -2.25% -2.25% % -1.25% -2.75% -3.00% -3.25% -2.75% -2.75% -2.75% % -1.50% -3.00% -3.00% -3.25% -3.25% -3.25% -3.50% % % < =65.00% 80.01%-95.00% % % 65.01%-75.00% 80.01%-95.00% % % 75.01%-95.00% 90.01%-95.00% % % 75.01%-90.00% 75.01%-90.00% % % <=95.00% 95.01%-97.00% % % Subordinate Finance % Condo > 75% LTV & >15 yr Term -0.75% 2 unit <=85% LTV Manufactured Home 3-4 Unit <=75% LTV Non Agency Adjustments -0.25% Loan Amount: 50,000-75, % Reg 2: WI, IL, IN, MN, IA, MO, NE, KS, OK, TX, CO, NM, AZ, WA, OR, CA Loan Amount: Loan AMT NO UW FEE
10 30 Yr FHLMC Home Possible PRODUCT FEATURE LTV > 80% and credit score 680 All other LTVs and FICO combinations LLPA Caps 0.00% 1.50% <=60.00% % % % % % >= % -0.25% -0.25% -0.50% -0.25% -0.25% -0.25% -0.75% % -0.25% -0.50% -0.75% -0.50% -0.50% -0.50% % -0.50% -1.25% -1.50% % -0.50% -1.25% -1.75% -1.50% -1.25% -1.25% -1.50% % -2.25% -2.75% -2.75% -2.25% -2.25% -2.25% % -1.25% -2.75% -3.00% -3.25% -2.75% -2.75% -2.75% % -1.50% -3.00% -3.00% -3.25% -3.25% -3.25% -3.50% % % < =65.00% 80.01%-95.00% % % 65.01%-75.00% 80.01%-95.00% % % 75.01%-95.00% 90.01%-95.00% % % 75.01%-90.00% 75.01%-90.00% % % <=95.00% 95.01%-97.00% % % Subordinate Finance % Condo > 75% LTV & >15 yr Term -0.75% 2 unit <=85% LTV Manufactured Home 3-4 Unit <=75% LTV Non Agency Adjustments -0.25% Loan Amount: 50,000-75, % Reg 2: WI, IL, IN, MN, IA, MO, NE, KS, OK, TX, CO, NM, AZ, WA, OR, CA Loan Amount: Loan AMT NO UW FEE
Purchase: Conventional, FHA, USDA, VA. Refinance: Conventional, FHA, USDA, VA. Emerging Banker
http://www.uhwholesale.com File Type Purchase: Conventional, FHA, USDA, VA Refinance: Conventional, FHA, USDA, VA Closing Doc Turn Times Initial CD will be issued when all Prior to Approval conditions
More informationMortgage Services III, L.L.C.
(Bank & Credit Union Partners Only) Market conditions are generally: (compared to previous price sheet) Slightly Worse! December 8, 2017 Rate Sheet Updated as of: CONFORMING -- FIXED RATE PROGRAMS #300000-30
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Home Office Ph. #: 888-664-9108 Oakbrook Office Ph. #: 630-396-3553 Pricing E-Fax #: 309-807-0717 Web Site: www.msiloans.biz Pricing E-Mail: msipricing@msiloans.biz (Bank & Credit Union Partners Only)
More informationMortgage Services III, L.L.C.
Home Office Ph. #: 888-664-9108 Oakbrook Office Ph. #: 630-396-3553 Pricing E-Fax #: 309-807-0717 Web Site: www.msiloans.biz Pricing E-Mail: msipricing@msiloans.biz (Bank & Credit Union Partners Only)
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