Portfolio Wholesale Fees
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1 PORTFOLIO ARM - BORROWER PAID 5/1 LIBOR ARM 6/2/6 (JP51, JP51IO) 7/1 LIBOR ARM 6/2/6 (JP71) 10/1 LIBOR ARM 6/2/6 (JP101) Base Rate 21 Day 30 Day 45 Day 60 Day Base Rate 21 Day 30 Day 45 Day 60 Day Base Rate 21 Day 30 Day 45 Day 60 Day Rate Adjustments Price Adjustments ARM Features 2nd Home Max of 2 extensions - Not to exceed original lock term Rate Floor = Note Rate 2-4 Unit Property 7 Day Lock Extension - Margin = 3.25 Investment (18 mo. Pre-Payment Penalty) Day Lock Extension - Caps = 6/2/6 FICO or No FICO 30 Day Lock Extension FICO (Exception) FICO (Exception) FICO <640 (Exception) Loan Amount $300K - $424.1K Portfolio Wholesale Fees Lender Fee Trust/Entity Review $1, $ Information Max Pricing Borrower rebate (after LPC) is capped at the lesser of the total of non-recurring closing costs or $3,000. To Loan Amount $424.1K - $2.5MM TX Doc Review $ calculate the maximum rebate allowed divide 3000 by the loan Loan Amount $2.5MM - $5.0MM Non-Resident Alien Review $ amount. Example: 3,000 / 500,000 = x 100 = 0.6 In this Loan Amount $5.0MM+ (Exception) Purchase Money TBD - Privacy Mortgage $ example the max. borrower price would be Loan To Value (LTV) 50% Cross-Collateralization (Wholesale Only) Interest Only (Max 60% LTV/CLTV) 5/1 ARM Only Cash Out Condo (Condotel Max 50% LTV) - Lender Paid Comp Lender Paid Compensation is equal to 1% of the loan amount. Non-Traditional Credit or No FICO Borrowers who have Non- Traditional credit or No FICO we assume a 680 FICO for pricing purposes. Qualifying FICO For qualification and pricing purposes the Co-Op (New York Only) lowest middle score of all the borrowers is used (if more than Asset Depletion one borrower is applying). LTV Eligibility Matrix Property Type $1MM LTV/CLTV >$1MM - $2MM LTV/CLTV >$2MM - $3MM LTV/CLTV >$3MM - $5MM LTV/CLTV Primary Residence - Purchase 1 Unit 70 / / / / Unit 70 / / / / 60 Condo/Co-Op 65 / / / / 60 Primary Residence - Rate & Term 1 Unit 70 / / / / Unit 70 / / / / 60 Condo/Co-Op 65 / / / / 60 Primary Residence - Cash Out 1 Unit 65 / / / / Unit 65 / / / / 55 2nd Home - Purchase 1 Unit 65 / / / / Unit 65 / / / / 60 Condo/Co-Op 65 / / / / 60 2nd Home - Refinance (Rate/Term) 1 Unit 60 / / / / Unit 60 / / / / 55 2nd Home - Refinance (Cash Out) 1 Unit 60 / / / / Unit 60 / / / / 55 Investment - Purchase 1 Unit 60 / / / / Unit 60 / / / / 50 Condo/Co-Op 55 / / / / 50 Investment - Refinance (Rate/Term) 1 Unit 60 / / / / Unit 60 / / / / 50 Condo/Co-Op 55 / / / / 50 Investment - Refinance (Cash Out) 1 Unit 60 / / / / Unit 60 / / / / 45 Condo/Co-Op 55 / / / / 45
2 Axos Bank Wholesale SFR Ratesheet Borrower Paid Lock Desk Wholesale Sales Inquiries Lock Requests: 12 Month Bridge Loan (Interest Only) - BORROWER PAID ONLY Base Rate Par (100.00) Loan Level Rate Adjustments Investment Property nd Home 0.25 Cash Out 0.25 Lender Fee Axos Bank Origination Fee = 1% of Loan Amount Axos Bank Lender Fee = $ Eligibility Property Type 1-4 Unit SFR only Occupancy Type Owner Occupied, 2nd Home, and Investment Minimum FICO 680 Minimum Loan Size $1,000,000 Maximum LTV 55% Loan Term Payment Term Listing Requirements Citizenship 1 Year with option to renew. Two extensions of 6 months are allowed (12 months total). The 6 month extension option is at a cost of.50% of the original loan amount and a $500 renewal review fee for each renewal requested. Interest Only Average Marketing Time for the neighborhood may not exceed 6 months NRA (Non Resident Alien) NOT ELIGIBLE Please see full guidelines online for more information
3 PRIME JUMBO 30 Year Fixed (PJFX30) 15 Year Fixed (PJFX15) Max Rebate - Lender Paid Comp 1% /1 LIBOR ARM 2/2/5 (PJ51) 7/1 LIBOR ARM 5/2/5 (PJ71) 10/1 LIBOR ARM 5/2/5 (PJ101) Rate 15-Day 30-Day 45-Day 60-Day PRIME JUMBO LLPAs $1.0MM / FICO 60.00% % % % % % >$1.0MM - $1.5MM / FICO 60.00% % % % % % >$1.5MM - $2.0MM / FICO 60.00% % % % % % >$2.0MM - $2.5MM / FICO 60.00% % % % % % State 60.00% % % % % % FL NV AZ CA Purpose / Property / Misc 60.00% % % % % % 2 Units Condo nd Home (1 Unit) 700+ FICO Investment Purchase Cash Out Escrow Waiver Borrower rebate capped at total of 3rd party closing costs, not to include any type of broker comp, escrow pre-paids, property taxes, or insurance. Lender Fee $815.00
4 ENTERPRISE NON-QM 30 Year Fixed, 40 Year Fixed (EJ30, EJ40) Rate 15-Day 30-Day 45-Day 60-Day Program Notes Min. Loan Amount 100K Max. Loan Amount $2.5MM Florida Condo Max 50% LTV Max Rebate - Lender Paid Comp 1% *Housing Event BK Mtg History 0x30x Co-ops Non-Warrantable Condo Foreign National ARM Margin ARM Caps 5/1 2/2/5 Prepay Penalty Buyout Adjustments (Investor Only) ARM Caps 7/1 5/2/5 3 Year Index 1 Yr LIBOR 2 Year ARM Floor Floor = Margin 1 Year * Includes Short Sale, Deed-in-Lieu, Foreclosure, Modification No Prepay Penalty /1 LIBOR ARM (EJ51) 7/1 LIBOR ARM (EJ71) *40 Year Fixed 40 Year fixed is only available as an Interest Only option. New York State - Loan Limit In New York State, the loan amount must exceed FHFAs High Cost Count Limit. Not applicable for Investor Properties ENTERPRISE NON-QM LLPAs FICO 60.00% % % % % % % x30 Mtg DQ (4+ Yrs Credit Event) Loan Amount 60.00% % % % % % % DTI > 43% 680+ FICO DTI > 43% <680 FICO Interest Only UPB 250K UPB > $1.5MM Purchase Cash Out Investor Second Home Condo Non-Warrantable Condo 2-4 Unit Property Asset Utilization Non-CA State *Borrower rebate capped at total of 3rd party closing costs, not to include any type of broker comp, escrow pre-paids, property taxes, or insurance. Lender Fee $815.00
5 ENTERPRISE EXPRESS NON-QM 1 Year Tax Return + YTD P&L for Self Employed Borrowers 30 Year Fixed, 40 Year Fixed (EE30, EE40) Rate 15-Day 30-Day 45-Day 60-Day Program Notes Min. Loan Amount 100K Max. Loan Amount $2.5MM Florida Condo Max 50% LTV Max Rebate - Lender Paid Comp 1% *Housing Event BK Mtg History 0x30x Co-ops Non-Warrantable Condo Foreign National ARM Margin ARM Caps 5/1 2/2/5 Prepay Penalty Buyout Adjustments (Investor Only) ARM Caps 7/1 5/2/5 3 Year Index 1 Yr LIBOR 2 Year ARM Floor Floor = Margin 1 Year * Includes Short Sale, Deed-in-Lieu, Foreclosure, Modification No Prepay Penalty /1 LIBOR ARM (EE51) 7/1 LIBOR ARM (EE71) *40 Year Fixed Year fixed is only available as an Interest Only option. New York State In New York State, the loan amount must exceed FHFAs High Cost Count Limit. Not applicable for Investor Properties ENTERPRISE EXPRESS NON-QM LLPAs FICO 60.00% % % % % % % x30 Mtg DQ (4+ Yrs Credit Event) Loan Amount 60.00% % % % % % % DTI > 43% 680+ FICO DTI > 43% <680 FICO Interest Only UPB 250K UPB > $1.5MM Purchase Cash Out Investor Second Home Condo Non-Warrantable Condo 2-4 Unit Property Non-CA State Express Doc - 1 yr Tx Rtrn + P&L *Borrower rebate capped at total of 3rd party closing costs, not to include any type of broker comp, escrow pre-paids, property taxes, or insurance. Lender Fee $ This information is prepared for real estate and mortgage professionals only. It is not intended for public distribution or consumer information as it is not an advertisement presented within the guidelines required by the Truth-In-Lending Act or other pertinent federal regulations.
Portfolio Wholesale Fees
https://correspondent.axosbank.com PORTFOLIO ARM - BORROWER PAID 5/1 LIBOR ARM 6/2/6 (JP51, JP51IO) 7/1 LIBOR ARM 6/2/6 (JP71) 10/1 LIBOR ARM 6/2/6 (JP101) Base Rate 21 Day 30 Day 45 Day 60 Day Base Rate
More informationPortfolio Wholesale Fees. Lender Paid Comp. calculate by dividing 4000 by the loan amount and multiplying. LTV Eligibility Matrix
Axos Bank Wholesale Borrower Paid SFR Ratesheet Lock Desk Wholesale Sales Inquiries Monday, October 22, 2018 Lock Requests: PORTFOLIO ARM - BORROWER PAID 5/1 LIBOR ARM 6/2/6 (JP51, JP51IO) 7/1 LIBOR ARM
More informationPORTFOLIO ARM - BORROWER PAID
BofI Federal Bank Wholesale Borrower Paid SFR Ratesheet Lock Desk Email: lockdesk@bofi.com Wholesale Sales Inquiries Thursday, June 28, 2018 Lock Requests: PORTFOLIO ARM - BORROWER PAID 5/1 LIBOR ARM 6/2/6
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BofI Federal Bank Wholesale Borrower Paid SFR Ratesheet Lock Desk Email: lockdesk@bofi.com Wholesale Sales Inquiries Tuesday, March 20, 2018 Lock Requests: PORTFOLIO ARM - BORROWER PAID 5/1 LIBOR ARM 6/2/6
More informationPORTFOLIO ARM BORROWER PAID RATE SHEET For Lender Paid Comp Plan see below
PORTFOLIO ARM BORROWER PAID RATE SHEET For Lender Paid Comp Plan see below 5/1 LIBOR (Portfolio 6/2/6) ARM (JP51, JP51IO) 7/1 LIBOR (Portfolio 6/2/6) ARM (JP71) 10/1 LIBOR (Portfolio 6/2/6) ARM (JP101)
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Effective Fri 01/25/2019 9:44 AM EST HomeReady: 3% down pmnt can come entirely from a gift Home Possible Advantage: Purch & refi loans up to 97% for SFR only. Home Possible: For 1-4 unit properties up
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a new lock may be requested at the current market price without incurring the relock fee. 5 Days 0.150% Conventional Fixed Products 30 Year Fixed 20 Year Fixed Rate 30 Day Price 45 Day Price 60 Day Price
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TABLE OF CONTENTS PRODUCT DESCRIPTION Page # Product Description 3 ELIGIBILITY Occupancy 3 Underwriting Methods 3 Documentation Requirements 3 Transaction Types 3 Eligible Property Types, Ineligible Property
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(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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Effective Fri 04/12/2019 3:43 PM EST HomeReady: 3% down pmnt can come entirely from a gift Home Possible Advantage: Purch & refi loans up to 97% for SFR only. Home Possible: For 1-4 unit properties up
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Effective Fri 03/15/2019 9:36 AM EST HomeReady: 3% down pmnt can come entirely from a gift Home Possible Advantage: Purch & refi loans up to 97% for SFR only. Home Possible: For 1-4 unit properties up
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Last Update 11/29/2017 Primary (Purchase & Rate/Term NO MI OPTION) Primary (Purchase) Primary (Rate/Term Ref.) Loan Amt LTV/CLTV Min Fico DTI Reserves Loan Amt LTV/CLTV Min Fico DTI Reserves Loan Amt LTV/CLTV
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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)
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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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Effective Fri 02/23/2018 10:20 AM EST HomeReady: 3% down pmnt can come entirely from a gift Home Possible Advantage: Purch & refi loans up to 97% for SFR only. Home Possible: For 1-4 unit properties up
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Rev 3.1 RS ID: 7:21 AM Zone 2 AZ, CO, DC, FL, GA, ID, IL, IN, KY, LA, MA, MD, MI, MO, NC, MN, MT, ND, NH, NJ, OH, OK, PA, SC, TN, TX, Extensions Fee Buyout Option 3-Day 0.063 14-Day 0.250 $50
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