HLA Rate Sheet FOR INTERNAL USE ONLY. Conventional Fixed Products. 15 Year Fixed 10 Year Fixed 15 Year Fixed Seconds

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1 Lock desk is open from 9:30am to 4:30am (ET). Rates and prices are considered expired outside that window. PROMOTION 0.25% Yield credit on Conventional Loans $200,000 or greater with credit score of 720+ up to 95% LTV. Rate locks apply for a particular borrower on a particular a new lock may be requested at the current market price without incurring the relock fee. Conventional Fixed Products 30 Year Fixed 20 Year Fixed Rate 30 Day Price 45 Day Price 60 Day Price Rate 30 Day Price 45 Day Price 60 Day Price Year Fixed 10 Year Fixed 15 Year Fixed Seconds Rate 30 Day Price 45 Day Price 60 Day Price Rate 30 Day Price 45 Day Price 60 Day Price Credit Tier Rate A+ (720+) A ( ) B ( ) *Investment properties add 1.1% to rate Prepared by Nathan.Hostetler@gtefinancial.org 12/6/2017 Page 1

2 Lock desk is open from 9:30am to 4:30am (ET). Rates and prices are considered expired outside that window. Rate locks apply for a particular borrower on a particular -5/1, 7/1, 10/1 ARM margin is 2.25% ARM Product Rate & Price Adjustments -5/5 ARM margin is 2.00% Conditions Rate/Price Adjustment a new lock may be requested at the current market price -5/1 and 5/5 ARM products have a 2/2/5 cap structure All Second Home ARMs Rate 0.250% without incurring the relock fee. -7/1 and 10/1 ARM have a 5/2/5 cap structure 5/5 $424, FICO Rate 0.250% -All ARMs indexed to the 1 Year Libor Rate 5/1, 7/1, 10/ FICO Rate 0.250% Current 1 Year LIBOR Rate 5/5 $424,101-$750,000 MiniJum Rate 0.500% 1.960% 5/5 $750,001+ Jumbo ARM Rate 1.000% ARM Loan Amount Limits Construction ARMs Rate 0.500% Product Min Max *All adjustments are cumulative 5/1, 7/1, 10/1 $50,000 $424,100 5/5 ARM* $50,000 $1,250,000 5/5 Construction* $150,000 $1,250,000 ARM Products 5/1 ARM 5/5 ARM 5/5 ARM Construction 30yr Fixed Conversion Option for Construction Rate 30 Day Price 45 Day Price 60 Day Price Rate 30 Day Price 45 Day Price 60 Day Price Loans up to $424, % Construction loans are capped at 2% lender-paid compensation and are charged a $1,395 upfront origination fee rather than the usual FBO adjustment /5 Medical and Dental Professional Program Extended eligibility available for Medical and Dental Professionals with MI through MGIC. Up to $650,000 up to 97% LTV available with FICO score 720 and above. 7/1 ARM 10/1 ARM Rate 30 Day Price 45 Day Price 60 Day Price Rate 30 Day Price 45 Day Price 60 Day Price Prepared by Nathan.Hostetler@gtefinancial.org 12/6/2017 Page 2

3 Lock desk is open from 9:30am to 4:30am (ET). Rates and prices are considered expired outside that window. Government products limited to purchase contracts only. Minimum FICO for FHA loans is 620 Rate locks apply for a particular borrower on a particular a new lock may be requested at the current market price without incurring the relock fee. 30 Year Fixed FHA Rate 30 Day Price 60 Day Price Government Products Prepared by Nathan.Hostetler@gtefinancial.org 12/6/2017 Page 3

4 Lock desk is open from 9:30am to 4:30am (ET). Rates and prices are considered expired outside that window. Rate locks apply for a particular borrower on a particular a new lock may be requested at the current market price without incurring the relock fee. HARP Products 30 Year FNMA HARP Year FNMA HARP Year FNMA HARP 105 Rate 30 Day Price 45 Day Price 60 Day Price Rate 30 Day Price 45 Day Price 60 Day Price Rate 30 Day Price 45 Day Price 60 Day Price Year FNMA HARP > Year FNMA HARP > Year FNMA HARP >105 Rate 30 Day Price 45 Day Price 60 Day Price Rate 30 Day Price 45 Day Price 60 Day Price Rate 30 Day Price 45 Day Price 60 Day Price Prepared by Nathan.Hostetler@gtefinancial.org 12/6/2017 Page 4

5 Fannie Mae Adjustments and Caps (Non-HARP Programs) FNMA Agency FICO/LTV Adjustments (>15 Year Term, Non-HARP) FICO 60.00% % % % % % % % < FNMA Eligible Mortgages - LLPA by Product LTV Range 60.00% % % % % % % % Manufactured N/A Investment N/A High LTV unit property N/A 3-4 unit property N/A Condo Cash Out Refinance (All Terms) FICO 60.00% % % % % % % % < High-Balance Mortgages >$424,100 FNMA Mortgages with Subordinate Financing HomeReady LLPA Caps Purchase/Limited c/o Refi % % (All other LLPAs in table also apply) Feature LLPA Cap c/o Refinance % LTV Range CLTV Range CS <720 CS Credit Score, >80% LTV 0.000% 65.00% 80.01%-95.00% All other HomeReady 1.500% % 80.01%-95.00% % 90.01%-95.00% % 76.01%-90.00% % 95.01%-97% Fannie Mae HARP Adjustments and Caps FNMA HARP II Cumulative LLPA Caps Principal Residences with LTV's >80% All Other Refi Plus Amortization Term LTV>80% Amortization Term LTV 105% LTV>105% >20 Years >25 Years up to 30 Years Years Years FNMA HARP II FICO/LTV Adjustments (>15 Year Term, HARP II Only) FICO 60.00% % % % % % % % % >105.00% < FNMA HARP II Mortgages - LLPA by Product LTV Range 60.00% % % % % % % % % >105.00% Manufactured Investment Condo(1) unit property unit property High Loan-to-Value >25 to 30Yr >15 to 25Yr Years (1) Not Applicable to Refi Plus Mortgages with terms of 15 years or less, cooperatives, or detached condominiums High-Balance Mortgages >$424,100 FNMA HARP II Mortgages with Subordinate Financing All High-Balance Loans % % (All other LLPAs in table also apply) LTV Range CLTV Range CS <720 CS % % % % % % Any >95.00% Prepared by Nathan.Hostetler@gtefinancial.org 12/6/2017 Page 5

6 HLA Origination Fee All HLA loans will be assessed an origination fee of $1095. Prepared by 12/6/2017 Page 6