Dream Big Jumbo Is Now Available The Smart Series is live! Check page 2 for more info. Check out our enhaned conventional LPMI pricing.

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1 Effective Fri 02/23/ :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 to 95%. Texas Wholesale Rate Sheet Dream Big Jumbo Is Now Available The Smart Series is live! Check page 2 for more info. Check out our enhaned conventional LPMI pricing. PRODUCT HIGHLIGHTS AGENCY GOVERNMENT JUMBO SERIES VA: 100% financing with minimum 600 FICO FHA: 3.5% down with minimum 580 FICO USDA: 100% financing with minimum 640 FICO 85% up to $1.5M and no MI with pristine credit 95% up to $625,500 (MI required) 90% at 680 FICO for loan amounts to $850,000 (MI required) Please Note: Rate Sheets are provided for pricing purposes only and do not necessarily reflect product eligibility or availability. Please refer to the Product Guidelines located in the NPF Lending Library in order to determine product eligibility and/or availability for a given loan scenario. TABLE OF CONTENTS Page 2 Page 3 Page 4 Page 5 Page 6 Page 7 Page 8 Page 9 Page 10 Page 11 Page 12 Page 13 Page 14 Page 15 Page 16 Page 17 Page 18 Page 19 Page 20 Page 21 Page 22 Page 23 SmartSeries - NEW! FHA, VA, & USDA - Fixed, ARM, and Jumbo Fannie Mae - Fixed Conforming and High Balance Products Freddie Mac - Fixed Conforming and Super Conforming Products Fannie Mae - HomeReady Fixed and ARM Products Fannie Mae - HomeReady High Balance Fixed and ARM Products Freddie Mac - Home Possible Fixed and ARM Products Fannie Mae - ARM Conforming and High Balance Products Freddie Mac - ARM Conforming and Super Conforming Products New Penn Jumbo Series C New Penn Jumbo Series D New Penn Jumbo Series F New Penn Jumbo Series I New Penn Jumbo Series J - QM SmartChoice Dream Big Jumbo DU Refi Plus Fixed <= 105% DU Refi Plus Fixed >105% - (Pricing includes High Balance) DU Refi Plus ARM Products <= 105% LP Open Access Fixed <= 105% LP Open Access Fixed >105% - (Super Conforming Apply) LP Open Access ARM Products <= 105% Rate Today's Price Pricing Change Rate Today's Price Pricing Change Conventional 30yr Fixed Conforming 5-1 ARM (2-2-5) **Market movement is a result of 30-day current pricing compared (1.706) (0.116) (1.173) (0.085) to the most recent rate sheet released.** (1.053) (0.122) (1.143) (0.085) FHA 30yr Fixed Jumbo D - 30 Yr Fixed (3.237) (0.094) (1.687) (0.187) (2.754) (0.094) Bracketed Pricing Changes and green arrows indicate improved (1.201) (0.188) Conventional 15yr Fixed pricing. VA 30yr Fixed (1.497) (3.057) (0.094) (0.952) (2.574) (0.094) Hours: Price release 6:59 AM EST on the following business day Pricing on-line: In order to lock prior to loan submission, 3.2 file must be uploaded via our website, In order to remian locked, a full file must be submitted within 10 days for a 30-day lock, 15 days for a 45-day lock, or 20 days for a 60-day lock or greater. Lock Extension Info Expiration Dates Relock Policy 1st-3rd Extension - 2 bps/day 7 Day Extension 3/2/2018 Pricing is based on worst case pricing: current market vs locked less a relock fee. 4th Extension or more - 4 bps/day 15 Day Lock/Extension 3/12/ Day Cost < 3 Prior Ext Prior Ext Extended loans cannot expire on a 30 Day Lock/Extension 3/26/ Day Cost < 3 Prior Ext Prior Ext weekend or holiday. 45 Day Lock/Extension 4/9/ Day Cost < 3 Prior Ext Prior Ext Max number of days to extend is Day Lock 4/24/2018 If the market has improved by more than 50 bps and the loan is closing within 15 days, the days per request. 90 Day Lock 5/24/2018 relock fee will be waived on 15 day relocks only. (Other restrictions may apply.) Fee Info Agency Loan Limits Lender Fees - Conforming & Government $895 1 Unit $453,100 Lender Fees - Jumbo $995 2 Unit $580,150 Lender Fees - FHA Streamline & VA IRRRL $495 3 Unit $701,250 Lender Fees - SmartSeries Non-QM $1,295 4 Unit $871,450 Desk Review - LA $1MM-$1.5MM $150 Desk Review - Transferred Appraisal $150 Risk Report - Transferred Appraisal $25 TX Attorney Fee $125 Flood Fee (excluded from No Lender Fee Calculation) $6 Tax Service Fee (excluded from No Lender Fee Calculation) $47 **Lender fees must be included in block one of the initial LE. MARKET MOVEMENTS LOCK POLICIES GENERAL INFORMATION CORPORATE CONTACTS Mortgagee Clause (Wholesale) New Penn Financial, LLC ISAOA ATIMA 4000 Chemical Road, Suite 200 Plymouth Meeting, PA Portfolio State Adjustment Groups Portfolio state adjustments no longer apply on the Texas Wholesale Rate Sheet New Penn Financial Fax (866) (484) GoNewPenn@newpennfinancial.com Website GoNewPenn.com Lock Desk LockRequest@newpennfinancial.com * Rates are subject to change without notice **Additional products, not on the rate sheet, are available through the portal. Contact your Relationship Manager for more details. Page 1

2 SmartEdge 5/1 SmartEdge Plus 5/1 Full Doc NPF Smart Series powered by New Penn Financial SmartSelf 5/1 SmartSelf Plus 5/1 Bank Statements SmartTrac 5/1 Full Doc Pricing Effective: 2/23/ :20 AM SmartVest 5/1 Cash-Flow Rate 30 Day 45 Day Rate 30 Day 45 Day Rate 30 Day 45 Day Rate 30 Day 45 Day (1.500) (1.375) (1.500) (1.375) (1.500) (1.375) (1.500) (1.375) (1.250) (1.125) (1.250) (1.125) (1.250) (1.125) (1.250) (1.125) (1.000) (0.875) (1.000) (0.875) (1.000) (0.875) (1.000) (0.875) (0.750) (0.625) (0.750) (0.625) (0.750) (0.625) (0.750) (0.625) (0.500) (0.375) (0.500) (0.375) (0.500) (0.375) (0.500) (0.375) () (0.125) () (0.125) () (0.125) () (0.125) FICO/ Rate Higher of /C -> <= Applicable to SmartEdge & SmartSelf (with >4 year Derogatory Credit Event) >= NA NA NA NA Applicable to SmartVest, SmartTrac, SmartEdge Plus, & SmartSelf Plus (Plus = 2-4 year Derogatory Credit Event) >= NA NA NA NA Other Rate - ALL Products Higher of /C -> <= Year /1 ARM /1 ARM Interest Only DTI SmartEdge DTI Self & Trac NOO Property* NA 2-4 Units Cash Out Refinance NA Non-Warrantable Condos Second Home NA Ln Amt >=100k and <300k Price - Smart Vest Prepayment not permitted in NJ & NM - Must select No Prepay in these states No Prepay Yr Prepay *Does not apply to SmartVest product. Max Price ARM Margin ARM Index 5/1 Caps 7/1&10/1 Caps Lender Fee SmartEdge/SmartEdge Plus (1.50) Yr LIBOR 2/2/5 5/2/5 $1,295 SmartSelf/SmartSelf Plus (1.50) Yr LIBOR 2/2/5 5/2/5 $1,295 SmartTrac (1.50) Yr LIBOR 2/2/5 5/2/5 $1,295 SmartVest (1.50) Yr LIBOR 2/2/5 5/2/5 $1,295

3 FHA 30yr Fixed FHA 15yr Fixed FHA 5-1 ARM (1-1-5 Caps) (4.680) (4.490) (4.409) (4.229) (2.987) (2.807) (2.737) (2.567) (0.824) (0.594) (0.444) (0.294) (4.245) (4.054) (3.973) (3.793) (2.725) (2.545) (2.475) (2.304) (0.650) (0.420) (0.270) (0.120) (4.341) (4.150) (4.070) (3.889) (2.448) (2.268) (2.197) (2.027) (0.476) (0.246) (0.096) (3.908) (3.717) (3.636) (3.456) (2.155) (1.974) (1.904) (1.734) (0.302) (0.072) (3.427) (3.237) (3.156) (2.976) (1.845) (1.665) (1.594) (1.424) (0.133) (2.944) (2.754) (2.673) (2.492) (0.675) (0.510) (0.456) (0.301) (2.461) (2.271) (2.190) (2.010) (0.364) (0.199) (0.145) (1.855) (1.671) (1.598) (1.425) (0.036) (1.369) (1.186) (1.113) (0.940) (0.885) (0.701) (0.628) (0.455) (0.400) (0.217) (0.144) VA 30yr Fixed VA 15yr Fixed VA 5-1 ARM (1-1-5 Caps) (4.500) (4.310) (4.229) (4.049) (2.447) (2.267) (2.197) (2.027) (0.599) (0.369) (0.219) (0.069) (4.065) (3.874) (3.793) (3.613) (2.185) (2.005) (1.935) (1.764) (0.425) (0.195) (0.045) (4.161) (3.970) (3.890) (3.709) (1.908) (1.728) (1.657) (1.487) (0.251) (0.021) (3.728) (3.537) (3.456) (3.276) (1.615) (1.434) (1.364) (1.194) (0.077) (3.247) (3.057) (2.976) (2.796) (1.305) (1.125) (1.054) (0.884) (2.764) (2.574) (2.493) (2.312) (0.135) (2.281) (2.091) (2.010) (1.830) (1.675) (1.491) (1.418) (1.245) (1.189) (1.006) (0.933) (0.760) (0.705) (0.521) (0.448) (0.275) (0.220) (0.037) USDA 30yr Fixed FHA 30yr Fixed High Balance VA 30yr Fixed High Balance (3.980) (3.790) (3.709) (3.529) (3.952) (3.762) (3.681) (3.500) (3.857) (3.667) (3.586) (3.405) (3.545) (3.354) (3.273) (3.093) (3.559) (3.369) (3.288) (3.108) (3.464) (3.274) (3.193) (3.013) (3.641) (3.450) (3.370) (3.189) (3.145) (2.955) (2.874) (2.694) (3.050) (2.860) (2.779) (2.599) (3.208) (3.017) (2.936) (2.756) (2.710) (2.519) (2.438) (2.258) (2.615) (2.424) (2.343) (2.163) (2.727) (2.537) (2.456) (2.276) (3.837) (3.646) (3.566) (3.385) (3.742) (3.551) (3.471) (3.290) (2.244) (2.054) (1.973) (1.792) (3.404) (3.213) (3.133) (2.952) (3.309) (3.118) (3.038) (2.857) (1.761) (1.571) (1.490) (1.310) (2.923) (2.733) (2.652) (2.472) (2.828) (2.638) (2.557) (2.377) (1.155) (0.971) (0.898) (0.725) (2.440) (2.250) (2.169) (1.989) (2.345) (2.155) (2.074) (1.894) (0.669) (0.486) (0.413) (0.240) (2.118) (1.934) (1.861) (1.688) (2.023) (1.839) (1.766) (1.593) (0.185) (0.001) (1.632) (1.449) (1.376) (1.202) (1.537) (1.354) (1.281) (1.107) (1.147) (0.964) (0.890) (0.717) (1.052) (0.869) (0.795) (0.622) FHA 5-1 ARM High Balance (1-1-5 Caps) VA 5-1 ARM High Balance (1-1-5 Caps) 15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day (0.074) Credit Score Loan Size Loan Size for VA BPC Loans (In addition to standard adjustments) Government Products Loan Level Price < , 45 & 60 Day Lock Purchase Special (0.300) FHA Refinances FHA/VA ARM < Day Lock (FRM & Purch Only) VA Cashout > (0.125) VA - Refinance Credit Score (0.500) VA - All Loan Purposes - Credit Score < (0.500) VA - IRRRL - Investment Property (0.625) Manufactured Home (FHA Only) Loan Amount Purchase Refinance High Balance - 15 Yr Term <$50, (Adjusting 15 Yr Conforming Pricing - FHA/VA ONLY $50,000 - $99,999 (0.125) $100,000 - $199,999 (0.125) Margin on all Government ARMs $200,000 - $299,999 (0.200) (0.125) 2.00% $300,000 - Conforming Limit (0.200) (0.125) High Balance (0.125) < $100, $100,000-$199, $200,000-$299, $300,000-$399, Fixed Max YSP $400, ARM Govt Special VA IRRRL/FHA Streamline ONLY (0.150) *Some adjustment details may not appear when pricing through the portal, however the final price will match the rate sheet. *FHA Lender ID: *VA Lender ID: Page 3

4 Fannie Mae 30yr Fixed Fannie Mae 25yr Fixed Fannie Mae 20yr Fixed (4.532) (4.318) (4.209) (3.998) (5.708) (5.508) (5.413) (5.220) (4.671) (4.476) (4.341) (4.150) (4.332) (4.127) (4.032) (3.837) (5.026) (4.824) (4.728) (4.536) (4.089) (3.894) (3.761) (3.570) (4.045) (3.849) (3.750) (3.559) (4.532) (4.318) (4.209) (3.998) (3.551) (3.348) (3.245) (3.048) (3.523) (3.326) (3.238) (3.051) (4.045) (3.849) (3.750) (3.559) (3.196) (3.019) (2.873) (2.702) (2.966) (2.770) (2.673) (2.486) (3.523) (3.326) (3.238) (3.051) (2.587) (2.410) (2.268) (2.096) (2.483) (2.287) (2.187) (1.996) (2.973) (2.770) (2.673) (2.486) (2.028) (1.824) (1.722) (1.525) (1.901) (1.706) (1.611) (1.419) (2.483) (2.287) (2.187) (1.996) (1.311) (1.134) (1.032) (0.851) (1.248) (1.053) (0.962) (0.770) (1.901) (1.706) (1.611) (1.419) (0.767) (0.577) (0.496) (0.316) (0.446) (0.255) (0.175) (1.248) (1.053) (0.962) (0.770) (0.177) (0.454) (0.264) (0.183) (0.003) Fannie Mae 15yr Fixed Fannie Mae 10yr Fixed Fannie Mae 30yr High Balance (3.605) (3.428) (3.341) (3.170) (3.722) (3.545) (3.458) (3.287) (3.749) (3.544) (3.449) (3.254) (3.151) (2.975) (2.888) (2.717) (3.268) (3.092) (3.005) (2.834) (3.624) (3.418) (3.323) (3.128) (2.711) (2.534) (2.449) (2.278) (2.828) (2.651) (2.566) (2.395) (3.283) (3.078) (2.983) (2.788) (2.155) (1.975) (1.904) (1.734) (2.313) (2.132) (2.062) (1.892) (2.760) (2.555) (2.460) (2.265) (1.656) (1.497) (1.449) (1.297) (2.109) (1.950) (1.902) (1.750) (2.134) (1.929) (1.834) (1.639) (1.111) (0.952) (0.904) (0.752) (1.609) (1.428) (1.358) (1.205) (1.430) (1.225) (1.130) (0.935) (0.538) (0.380) (0.334) (0.182) (0.991) (0.833) (0.787) (0.635) (0.848) (0.658) (0.577) (0.397) (0.088) (0.559) (0.389) (0.311) (0.158) (0.280) (0.089) (0.009) (0.227) (0.058) (0.008) Fannie Mae 25yr High Balance Fannie Mae 20yr High Balance Fannie Mae 15yr High Balance (3.824) (3.619) (3.524) (3.329) (3.173) (2.967) (2.872) (2.677) (0.735) (0.554) (0.484) (0.314) (3.699) (3.493) (3.398) (3.203) (3.137) (2.932) (2.837) (2.642) (0.762) (0.581) (0.511) (0.341) (3.358) (3.153) (3.058) (2.863) (2.821) (2.616) (2.520) (2.325) (0.681) (0.501) (0.431) (0.260) (2.835) (2.630) (2.535) (2.340) (2.298) (2.092) (1.997) (1.802) (0.557) (0.377) (0.307) (0.136) (2.209) (2.004) (1.909) (1.714) (1.672) (1.467) (1.371) (1.176) (0.346) (0.166) (0.096) (1.505) (1.300) (1.205) (1.010) (0.968) (0.763) (0.667) (0.472) (0.923) (0.733) (0.652) (0.472) (0.386) (0.195) (0.115) (0.355) (0.164) (0.084) Fannie Mae 10yr High Balance 15 Day 30 Day 45 Day 60 Day (0.860) (0.679) (0.609) (0.439) (0.887) (0.706) (0.636) (0.466) (0.806) (0.626) (0.556) (0.385) (0.682) (0.502) (0.432) (0.261) (0.471) (0.291) (0.221) (0.051) (0.122) All Fixed Conforming (does not apply to terms <=15yrs with <=95) Cash-Out Lender Paid MI Premium Subordinate Financing Excludes Community Seconds Misc Adjusters Non Owner Occupied < >= 760 <= 60 NA NA NA NA NA NA NA NA <= 60 NA NA NA < Rate & Term Refi NA Manufactured Home NA nd Home NA Loan Amt > $650k NA Unit NA Non Owner Occupied NA Yr Term > 20 Yr Term Fannie Mae - Conforming Fixed Rate Products Loan Level Price <= 85 NA NA NA NA <= 85 NA NA NA NA C < 720 >= 720 Loan Amount Purchase Refinance <= <$50, $50,000 - $99, $100,000 - $149, Loan Size $150,000 - $199,999 <= $200,000 - $249,999 (0.125) ALL ALL $250,000 - $299,999 (0.125) 2-4 Units $300,000 - Conforming Limit (0.125) Manufactured Home High Balance Attached Condo > 75 (>15yr Term) Escrow Waiver (Full or Taxes Only) Escrow Waiver (Insurance Only) <= > , 45 & 60 Day Lock Purchase Special () 90 Day Lock (FRM & Purch Only) *Some adjustment details may not appear when pricing through the portal, however the final price will match the rate sheet. High Balance Purch - R/T Refi. C/O Refi. Max YSP Page 4

5 Freddie Mac 30yr Fixed Freddie Mac 25yr Fixed Freddie Mac 20yr Fixed (4.532) (4.318) (4.209) (3.998) (4.532) (4.318) (4.209) (3.998) (4.671) (4.476) (4.341) (4.150) (4.045) (3.849) (3.750) (3.559) (4.045) (3.849) (3.750) (3.559) (4.089) (3.894) (3.761) (3.570) (3.523) (3.326) (3.238) (3.051) (3.523) (3.326) (3.238) (3.051) (3.551) (3.348) (3.245) (3.048) (2.966) (2.770) (2.673) (2.486) (2.966) (2.770) (2.673) (2.486) (3.196) (3.019) (2.873) (2.702) (2.483) (2.287) (2.187) (1.996) (2.483) (2.287) (2.187) (1.996) (2.587) (2.410) (2.268) (2.096) (1.901) (1.706) (1.611) (1.419) (1.901) (1.706) (1.611) (1.419) (2.028) (1.824) (1.722) (1.525) (1.248) (1.053) (0.962) (0.770) (1.248) (1.053) (0.962) (0.770) (1.311) (1.134) (1.032) (0.851) (0.446) (0.255) (0.175) (0.446) (0.255) (0.175) (0.767) (0.577) (0.496) (0.316) (0.177) Freddie Mac 15yr Fixed Freddie Mac 10yr Fixed Freddie Mac 30yr Super Conforming (3.605) (3.428) (3.341) (3.170) (3.722) (3.545) (3.458) (3.287) (3.749) (3.544) (3.449) (3.254) (3.151) (2.975) (2.888) (2.717) (3.268) (3.092) (3.005) (2.834) (3.624) (3.418) (3.323) (3.128) (2.711) (2.534) (2.449) (2.278) (2.828) (2.651) (2.566) (2.395) (3.283) (3.078) (2.983) (2.788) (2.155) (1.975) (1.904) (1.734) (2.313) (2.132) (2.062) (1.892) (2.760) (2.555) (2.460) (2.265) (1.656) (1.497) (1.449) (1.297) (2.109) (1.950) (1.902) (1.750) (2.134) (1.929) (1.834) (1.639) (1.111) (0.952) (0.904) (0.752) (1.609) (1.428) (1.358) (1.205) (1.430) (1.225) (1.130) (0.935) (0.538) (0.380) (0.334) (0.182) (0.991) (0.833) (0.787) (0.635) (0.848) (0.658) (0.577) (0.397) (0.088) (0.559) (0.389) (0.311) (0.158) (0.280) (0.089) (0.009) (0.227) (0.058) (0.008) Freddie Mac 25yr Super Conforming Freddie Mac 20yr Super Conforming Freddie Mac 15yr Super Conforming (3.824) (3.619) (3.524) (3.329) (3.173) (2.967) (2.872) (2.677) (0.762) (0.581) (0.511) (0.341) (3.699) (3.493) (3.398) (3.203) (3.137) (2.932) (2.837) (2.642) (0.681) (0.501) (0.431) (0.260) (3.358) (3.153) (3.058) (2.863) (2.821) (2.616) (2.520) (2.325) (0.557) (0.377) (0.307) (0.136) (2.835) (2.630) (2.535) (2.340) (2.298) (2.092) (1.997) (1.802) (0.346) (0.166) (0.096) (2.209) (2.004) (1.909) (1.714) (1.672) (1.467) (1.371) (1.176) (1.505) (1.300) (1.205) (1.010) (0.968) (0.763) (0.667) (0.472) (0.923) (0.733) (0.652) (0.472) (0.386) (0.195) (0.115) (0.355) (0.164) (0.084) Freddie Mac 10yr Super Conforming 15 Day 30 Day 45 Day 60 Day (0.887) (0.706) (0.636) (0.466) (0.806) (0.626) (0.556) (0.385) (0.682) (0.502) (0.432) (0.261) (0.471) (0.291) (0.221) (0.051) (0.122) All Fixed Conforming (does not apply to terms <=15yrs) Cash-Out Lender Paid MI Premium Number Of Units Subordinate Financing Misc Adjusters Non Owner Occupied < >= 760 <= 60 NA NA NA NA NA NA NA <= 60 NA NA NA < Rate & Term Refi NA Manufactured Home NA nd Home NA Loan Amt > $650k NA Unit NA Non Owner Occupied NA Yr Term > 20 Yr Term Freddie Mac - Conforming Fixed Rate Products Loan Level Price <= 85 NA NA NA <= 85 NA NA NA <= > 85 Loan Amount Purchase Refinance 2 Units <$50, units $50,000 - $99,999 C < 720 >= 720 $100,000 - $149,999 <=75 <= Loan Size $150,000 - $199,999 <= $200,000 - $249,999 (0.125) $250,000 - $299,999 (0.125) $300,000 - Conforming Limit (0.125) Condo > 75 (>15yr Term) High Balance Escrow Waiver (Full or Taxes Only) Purch - R/T Refi Super Conforming Escrow Waiver (Insurance Only) C/O Refi Manufactured Home (High Bal - Not Permitted) <= > *Some adjustment details may not appear when pricing through the portal, however the final price will match the rate sheet. 30, 45 & 60 Day Lock Purchase Special () 90 Day Lock (FRM & Purch Only) Max YSP Page 5

6 Fannie Mae HomeReady 30 Yr Fixed Fannie Mae HomeReady 25 Yr Fixed Fannie Mae HomeReady 20 Yr Fixed (4.532) (4.318) (4.209) (3.998) (5.708) (5.508) (5.413) (5.220) (4.671) (4.476) (4.341) (4.150) (4.332) (4.127) (4.032) (3.837) (5.026) (4.824) (4.728) (4.536) (4.089) (3.894) (3.761) (3.570) (4.045) (3.849) (3.750) (3.559) (4.532) (4.318) (4.209) (3.998) (3.551) (3.348) (3.245) (3.048) (3.523) (3.326) (3.238) (3.051) (4.045) (3.849) (3.750) (3.559) (3.196) (3.019) (2.873) (2.702) (2.966) (2.770) (2.673) (2.486) (3.523) (3.326) (3.238) (3.051) (2.587) (2.410) (2.268) (2.096) (2.483) (2.287) (2.187) (1.996) (2.973) (2.770) (2.673) (2.486) (2.028) (1.824) (1.722) (1.525) (1.901) (1.706) (1.611) (1.419) (2.483) (2.287) (2.187) (1.996) (1.311) (1.134) (1.032) (0.851) (1.248) (1.053) (0.962) (0.770) (1.901) (1.706) (1.611) (1.419) (0.767) (0.577) (0.496) (0.316) (0.446) (0.255) (0.175) (1.248) (1.053) (0.962) (0.770) (0.177) (0.454) (0.264) (0.183) (0.003) Fannie Mae HomeReady 15 Yr Fixed Fannie Mae HomeReady 10 Yr Fixed Fannie Mae HomeReady 5/1 ARM (2/2/5) (3.605) (3.428) (3.341) (3.170) (3.722) (3.545) (3.458) (3.287) (2.173) (1.893) (1.793) (1.643) (3.151) (2.975) (2.888) (2.717) (3.268) (3.092) (3.005) (2.834) (2.017) (1.737) (1.637) (1.487) (2.711) (2.534) (2.449) (2.278) (2.828) (2.651) (2.566) (2.395) (1.876) (1.596) (1.496) (1.346) (2.155) (1.975) (1.904) (1.734) (2.313) (2.132) (2.062) (1.892) (1.734) (1.454) (1.354) (1.204) (1.656) (1.497) (1.449) (1.297) (2.109) (1.950) (1.902) (1.750) (1.453) (1.173) (1.073) (0.923) (1.111) (0.952) (0.904) (0.752) (1.609) (1.428) (1.358) (1.205) (1.423) (1.143) (1.043) (0.893) (0.538) (0.380) (0.334) (0.182) (0.991) (0.833) (0.787) (0.635) (1.173) (0.893) (0.793) (0.643) (0.088) (0.559) (0.389) (0.311) (0.158) (0.860) (0.580) (0.480) (0.330) (0.227) (0.058) (0.008) (0.547) (0.267) (0.167) (0.017) (0.203) Fannie Mae HomeReady 7/1 ARM (5/2/5) Fannie Mae HomeReady 10/1 ARM (5/2/5) Fannie Mae HomeReady 30 Yr Fixed > 95% (2.765) (2.485) (2.385) (2.235) (3.047) (2.767) (2.667) (2.517) (4.282) (4.068) (3.959) (3.748) (2.508) (2.228) (2.128) (1.978) (2.702) (2.422) (2.322) (2.172) (4.082) (3.877) (3.782) (3.587) (2.176) (1.896) (1.796) (1.646) (2.356) (2.076) (1.976) (1.826) (3.795) (3.599) (3.500) (3.309) (1.843) (1.563) (1.463) (1.313) (1.870) (1.590) (1.490) (1.340) (3.273) (3.076) (2.988) (2.801) (1.474) (1.194) (1.094) (0.944) (1.383) (1.103) (1.003) (0.853) (2.716) (2.520) (2.423) (2.236) (1.444) (1.164) (1.064) (0.914) (0.832) (0.552) (0.452) (0.302) (2.233) (2.037) (1.937) (1.746) (1.106) (0.826) (0.726) (0.576) (0.282) (0.002) (1.651) (1.456) (1.361) (1.169) (0.718) (0.438) (0.338) (0.188) (0.998) (0.803) (0.712) (0.520) (0.331) (0.051) (0.196) (0.005) All Fixed Conforming (does not apply to terms <=15yrs with <=95) Cash-Out Lender Paid MI Premium Subordinate Financing Excludes Community Seconds Misc Adjusters Non Owner Occupied < >= 760 <= 60 NA NA NA NA NA NA NA NA <= 60 NA NA NA LPMI Applied after Cap < Rate & Term Refi NA Loan Amt > $650k NA Unit NA Yr Term > 20 Yr Term Fannie Mae - HomeReady Products Loan Level Price <= 85 NA NA NA NA <= 85 NA NA NA NA C < 720 >= 720 Applied after Cap <= Loan Amount Purchase Refinance <$50, $50,000 - $99,999 (0.125) (0.125) $100,000 - $149,999 (0.125) (0.125) Loan Size <= $150,000 - $199,999 (0.125) (0.125) ALL ALL $200,000 - $249,999 (0.125) () 2-4 Units $250,000 - $299,999 (0.125) () Attached Condo > 75 (>15yr Term) $300,000 - Conforming Limit (0.125) () <= High Balance Escrow Waiver (Full or Taxes Only) > , 45 & 60 Day Lock Purchase Special () FICO 680 > 80% Adjustment Caps < 680 > 80% All 80% *Some adjustment details may not appear when pricing through the portal, however the final price will match the rate sheet. Max YSP Page 6

7 Fannie Mae HomeReady 30 Yr Fixed - High Balance Fannie Mae HomeReady 25 Yr Fixed - High Balance Fannie Mae HomeReady 20 Yr Fixed - High Balance (3.749) (3.544) (3.449) (3.254) (3.824) (3.619) (3.524) (3.329) (3.173) (2.967) (2.872) (2.677) (3.624) (3.418) (3.323) (3.128) (3.699) (3.493) (3.398) (3.203) (3.137) (2.932) (2.837) (2.642) (3.283) (3.078) (2.983) (2.788) (3.358) (3.153) (3.058) (2.863) (2.821) (2.616) (2.520) (2.325) (2.760) (2.555) (2.460) (2.265) (2.835) (2.630) (2.535) (2.340) (2.298) (2.092) (1.997) (1.802) (2.134) (1.929) (1.834) (1.639) (2.209) (2.004) (1.909) (1.714) (1.672) (1.467) (1.371) (1.176) (1.430) (1.225) (1.130) (0.935) (1.505) (1.300) (1.205) (1.010) (0.968) (0.763) (0.667) (0.472) (0.848) (0.658) (0.577) (0.397) (0.923) (0.733) (0.652) (0.472) (0.386) (0.195) (0.115) (0.280) (0.089) (0.009) (0.355) (0.164) (0.084) Fannie Mae HomeReady 15 Yr Fixed - High Balance Fannie Mae HomeReady 10 Yr Fixed - High Balance Fannie Mae HomeReady 5/1 ARM (2/2/5) - High Balance (0.735) (0.554) (0.484) (0.314) (0.860) (0.679) (0.609) (0.439) (2.486) (2.206) (2.106) (1.956) (0.762) (0.581) (0.511) (0.341) (0.887) (0.706) (0.636) (0.466) (2.328) (2.048) (1.948) (1.798) (0.681) (0.501) (0.431) (0.260) (0.806) (0.626) (0.556) (0.385) (2.173) (1.893) (1.793) (1.643) (0.557) (0.377) (0.307) (0.136) (0.682) (0.502) (0.432) (0.261) (2.017) (1.737) (1.637) (1.487) (0.346) (0.166) (0.096) (0.471) (0.291) (0.221) (0.051) (1.876) (1.596) (1.496) (1.346) (0.122) (1.734) (1.454) (1.354) (1.204) (1.453) (1.173) (1.073) (0.923) (1.173) (0.893) (0.793) (0.643) (0.860) (0.580) (0.480) (0.330) (0.547) (0.267) (0.167) (0.017) (0.203) Fannie Mae HomeReady 7/1 ARM (5/2/5) - High Balance Fannie Mae HomeReady 10/1 ARM (5/2/5) - High Balance 15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day (2.765) (2.485) (2.385) (2.235) (3.047) (2.767) (2.667) (2.517) (2.508) (2.228) (2.128) (1.978) (2.702) (2.422) (2.322) (2.172) (2.176) (1.896) (1.796) (1.646) (2.356) (2.076) (1.976) (1.826) (1.843) (1.563) (1.463) (1.313) (1.870) (1.590) (1.490) (1.340) (1.474) (1.194) (1.094) (0.944) (1.383) (1.103) (1.003) (0.853) (1.106) (0.826) (0.726) (0.576) (0.832) (0.552) (0.452) (0.302) (0.718) (0.438) (0.338) (0.188) (0.282) (0.002) (0.331) (0.051) All Fixed Conforming (does not apply to terms <=15yrs with <=95) Cash-Out Lender Paid MI Premium Subordinate Financing Excludes Community Seconds Misc Adjusters < >= 760 <= 60 NA NA NA NA NA NA NA NA <= 60 NA NA NA LPMI Applied after Cap < Rate & Term Refi NA Loan Amt > $650k NA Unit NA Yr Term > 20 Yr Term Fannie Mae - HomeReady High Balance Loan Level Price <= 85 NA NA NA NA <= 85 NA NA NA NA C < 720 >= 720 Applied after Cap <= Loan Amount Purchase Refinance <$50, $50,000 - $99,999 (0.125) (0.125) $100,000 - $149,999 (0.125) (0.125) Loan Size <= $150,000 - $199,999 (0.125) (0.125) ALL ALL $200,000 - $249,999 (0.125) () 2-4 Units $250,000 - $299,999 (0.125) () Attached Condo > 75 (>15yr Term) $300,000 - Conforming Limit (0.125) () High Balance Loan Adjustment - Fixed High Balance High Balance Loan Adjustment - ARM Escrow Waiver (Full or Taxes Only) High Balance Loan Adjustment - ARM > , 45 & 60 Day Lock Purchase Special () *Some adjustment details may not appear when pricing through the portal, however the final price will match the rate sheet. Adjustment Caps FICO 680 > 80% < 680 > 80% All 80% Max YSP

8 Freddie Mac Home Possible 30 Yr Fixed Freddie Mac Home Possible 25 Yr Fixed Freddie Mac Home Possible 20 Yr Fixed (4.532) (4.318) (4.209) (3.998) (4.532) (4.318) (4.209) (3.998) (4.671) (4.476) (4.341) (4.150) (4.045) (3.849) (3.750) (3.559) (4.045) (3.849) (3.750) (3.559) (4.089) (3.894) (3.761) (3.570) (3.523) (3.326) (3.238) (3.051) (3.523) (3.326) (3.238) (3.051) (3.551) (3.348) (3.245) (3.048) (2.966) (2.770) (2.673) (2.486) (2.966) (2.770) (2.673) (2.486) (3.196) (3.019) (2.873) (2.702) (2.483) (2.287) (2.187) (1.996) (2.483) (2.287) (2.187) (1.996) (2.587) (2.410) (2.268) (2.096) (1.901) (1.706) (1.611) (1.419) (1.901) (1.706) (1.611) (1.419) (2.028) (1.824) (1.722) (1.525) (1.248) (1.053) (0.962) (0.770) (1.248) (1.053) (0.962) (0.770) (1.311) (1.134) (1.032) (0.851) (0.446) (0.255) (0.175) (0.446) (0.255) (0.175) (0.767) (0.577) (0.496) (0.316) (0.177) Freddie Mac Home Possible 15 Yr Fixed Freddie Mac Home Possible 10 Yr Fixed Freddie Mac Home Possible 5/1 ARM (2/2/5) (3.605) (3.428) (3.341) (3.170) (3.605) (3.428) (3.341) (3.170) (2.173) (1.893) (1.793) (1.643) (3.151) (2.975) (2.888) (2.717) (3.151) (2.975) (2.888) (2.717) (2.017) (1.737) (1.637) (1.487) (2.711) (2.534) (2.449) (2.278) (2.711) (2.534) (2.449) (2.278) (1.876) (1.596) (1.496) (1.346) (2.155) (1.975) (1.904) (1.734) (2.155) (1.975) (1.904) (1.734) (1.734) (1.454) (1.354) (1.204) (1.656) (1.497) (1.449) (1.297) (1.656) (1.497) (1.449) (1.297) (1.453) (1.173) (1.073) (0.923) (1.111) (0.952) (0.904) (0.752) (1.111) (0.952) (0.904) (0.752) (1.423) (1.143) (1.043) (0.893) (0.538) (0.380) (0.334) (0.182) (0.538) (0.380) (0.334) (0.182) (1.173) (0.893) (0.793) (0.643) (0.088) (0.088) (0.860) (0.580) (0.480) (0.330) (0.547) (0.267) (0.167) (0.017) (0.203) Note: Home Possible ARM products are not eligible for Home Possible Advantage Freddie Mac Home Possible 7/1 ARM (5/2/5) Freddie Mac Home Possible 10/1 ARM (5/2/5) Freddie Mac Home Possible 30 Yr Fixed > 95% (2.765) (2.485) (2.385) (2.235) (3.047) (2.767) (2.667) (2.517) (4.282) (4.068) (3.959) (3.748) (2.508) (2.228) (2.128) (1.978) (2.702) (2.422) (2.322) (2.172) (3.795) (3.599) (3.500) (3.309) (2.176) (1.896) (1.796) (1.646) (2.356) (2.076) (1.976) (1.826) (3.273) (3.076) (2.988) (2.801) (1.843) (1.563) (1.463) (1.313) (1.870) (1.590) (1.490) (1.340) (2.716) (2.520) (2.423) (2.236) (1.474) (1.194) (1.094) (0.944) (1.383) (1.103) (1.003) (0.853) (2.233) (2.037) (1.937) (1.746) (1.444) (1.164) (1.064) (0.914) (0.832) (0.552) (0.452) (0.302) (1.651) (1.456) (1.361) (1.169) (1.106) (0.826) (0.726) (0.576) (0.282) (0.002) (0.998) (0.803) (0.712) (0.520) (0.718) (0.438) (0.338) (0.188) (0.196) (0.005) (0.331) (0.051) #VALUE! #VALUE! #VALUE! #VALUE! Note: Home Possible ARM products are not eligible for Home Possible Advantage Note: Home Possible ARM products are not eligible for Home Possible Advantage All Conforming (does not apply to Fixed terms <=15yrs with <=95) * > 95% only available as Home Possible Advantage Premium Freddie Mac Home Possible Products Loan Level Price < >= 760 <= 60 NA NA NA NA NA NA NA * NA LPMI Applied after Cap < Rate & Term Refi NA Loan Amt > $650k NA Unit NA Lender Paid MI 20 Yr Term <= 85 NA NA NA * NA > 20 Yr Term * > 95% only available as Home Possible Advantage <= 85 NA NA NA * NA C < 720 >= 720 Applied after Cap <=75 <= Loan Amount Purchase Refinance Subordinate Financing <= <$50, Excludes Community Seconds $50,000 - $99,999 (0.125) (0.125) $100,000 - $149,999 (0.125) (0.125) Loan Size $150,000 - $199,999 (0.125) (0.125) Misc Adjusters Attached Condo > 75 (>15yr Term) $200,000 - $249,999 (0.125) () $250,000 - $299,999 (0.125) () <= > 85 $300,000 - Conforming Limit (0.125) () Number Of Units 2 Units High Balance 3-4 units Escrow Waiver (Full or Taxes Only) 30, 45 & 60 Day Lock Purchase Special () FICO *Some adjustment details may not appear when pricing through the portal, however the final price will match the rate sheet. Adjustment Caps 680 > 80% < 680 > 80% All 80% Max YSP Page 8

9 Fannie Mae 3-1 ARM (2-2-6) Fannie Mae 5-1 ARM (2-2-5) Fannie Mae 7-1 ARM (5-2-5) N/A N/A N/A N/A N/A (2.173) (1.893) (1.793) (1.643) (2.765) (2.485) (2.385) (2.235) N/A N/A N/A N/A N/A (2.017) (1.737) (1.637) (1.487) (2.508) (2.228) (2.128) (1.978) N/A N/A N/A N/A N/A (1.876) (1.596) (1.496) (1.346) (2.176) (1.896) (1.796) (1.646) N/A N/A N/A N/A N/A (1.734) (1.454) (1.354) (1.204) (1.843) (1.563) (1.463) (1.313) N/A N/A N/A N/A N/A (1.453) (1.173) (1.073) (0.923) (1.474) (1.194) (1.094) (0.944) N/A N/A N/A N/A N/A (1.423) (1.143) (1.043) (0.893) (1.444) (1.164) (1.064) (0.914) N/A N/A N/A N/A N/A (1.173) (0.893) (0.793) (0.643) (1.106) (0.826) (0.726) (0.576) N/A N/A N/A N/A N/A (0.860) (0.580) (0.480) (0.330) (0.718) (0.438) (0.338) (0.188) N/A N/A N/A N/A N/A (0.547) (0.267) (0.167) (0.017) (0.331) (0.051) N/A N/A N/A N/A N/A (0.203) N/A N/A N/A N/A N/A Fannie Mae 10-1 ARM (5-2-5) Fannie Mae 5-1 ARM (2-2-5) High Balance Fannie Mae 7-1 ARM (5-2-5) High Balance (3.047) (2.767) (2.667) (2.517) (2.486) (2.206) (2.106) (1.956) (2.765) (2.485) (2.385) (2.235) (2.702) (2.422) (2.322) (2.172) (2.328) (2.048) (1.948) (1.798) (2.508) (2.228) (2.128) (1.978) (2.356) (2.076) (1.976) (1.826) (2.173) (1.893) (1.793) (1.643) (2.176) (1.896) (1.796) (1.646) (1.870) (1.590) (1.490) (1.340) (2.017) (1.737) (1.637) (1.487) (1.843) (1.563) (1.463) (1.313) (1.383) (1.103) (1.003) (0.853) (1.876) (1.596) (1.496) (1.346) (1.474) (1.194) (1.094) (0.944) (0.832) (0.552) (0.452) (0.302) (1.734) (1.454) (1.354) (1.204) (1.106) (0.826) (0.726) (0.576) (0.282) (0.002) (1.453) (1.173) (1.073) (0.923) (0.718) (0.438) (0.338) (0.188) (1.173) (0.893) (0.793) (0.643) (0.331) (0.051) (0.860) (0.580) (0.480) (0.330) (0.547) (0.267) (0.167) (0.017) (0.203) Fannie Mae 10-1 ARM (5-2-5) High Balance 15 Day 30 Day 45 Day 60 Day (3.047) (2.767) (2.667) (2.517) (2.702) (2.422) (2.322) (2.172) (2.356) (2.076) (1.976) (1.826) (1.870) (1.590) (1.490) (1.340) (1.383) (1.103) (1.003) (0.853) (0.832) (0.552) (0.452) (0.302) (0.282) (0.002) Fannie Mae - ARM Products Loan Level Price All Conforming ARMs (Does not include DU Refi Plus) Cash-Out Lender Paid MI Premium Subordinate Financing Excludes Community Seconds Non Owner Occupied Misc Adjusters < >= 760 <= 60 NA NA NA NA NA NA <= 60 NA NA NA < Rate & Term Refi NA Manufactured Home NA nd Home NA Loan Amt > $650k NA Unit NA Non Owner Occupied NA <= 85 NA NA C < 720 >= 720 Loan Amount Purchase Refinance <= <$50, $50,000 - $99, $100,000 - $149,999 ALL ALL Loan Size $150,000 - $199,999 $200,000 - $249,999 (0.125) $250,000 - $299,999 (0.125) <= $300,000 - Conforming Limit (0.125) High Balance > Purch - R/T Refi. > High Balance 2-4 Units C/O Refi. Manufactured Home > Attached Condo > 75 Escrow Waiver (Full or Taxes Only) , 45 & 60 Day Lock Purchase Special () Escrow Waiver (Insurance Only) *Some adjustment details may not appear when pricing through the portal, however the final price will match the rate sheet. Max YSP Margin 2.250% Page 9

10 Freddie Mac 3-1 ARM (2-2-6) Freddie Mac 5-1 ARM (2-2-5) Freddie Mac 7-1 ARM (5-2-5) N/A N/A N/A N/A N/A (2.173) (1.893) (1.793) (1.643) (2.765) (2.485) (2.385) (2.235) N/A N/A N/A N/A N/A (2.017) (1.737) (1.637) (1.487) (2.508) (2.228) (2.128) (1.978) N/A N/A N/A N/A N/A (1.876) (1.596) (1.496) (1.346) (2.176) (1.896) (1.796) (1.646) N/A N/A N/A N/A N/A (1.734) (1.454) (1.354) (1.204) (1.843) (1.563) (1.463) (1.313) N/A N/A N/A N/A N/A (1.453) (1.173) (1.073) (0.923) (1.474) (1.194) (1.094) (0.944) N/A N/A N/A N/A N/A (1.423) (1.143) (1.043) (0.893) (1.444) (1.164) (1.064) (0.914) N/A N/A N/A N/A N/A (1.173) (0.893) (0.793) (0.643) (1.106) (0.826) (0.726) (0.576) N/A N/A N/A N/A N/A (0.860) (0.580) (0.480) (0.330) (0.718) (0.438) (0.338) (0.188) N/A N/A N/A N/A N/A (0.547) (0.267) (0.167) (0.017) (0.331) (0.051) N/A N/A N/A N/A N/A (0.203) N/A N/A N/A N/A N/A Freddie Mac 10-1 ARM (5-2-5) Freddie Mac 5-1 ARM (2-2-5) Super Conforming Freddie Mac 7-1 ARM (5-2-5) Super Conforming (3.047) (2.767) (2.667) (2.517) (2.486) (2.206) (2.106) (1.956) (2.765) (2.485) (2.385) (2.235) (2.702) (2.422) (2.322) (2.172) (2.328) (2.048) (1.948) (1.798) (2.508) (2.228) (2.128) (1.978) (2.356) (2.076) (1.976) (1.826) (2.173) (1.893) (1.793) (1.643) (2.176) (1.896) (1.796) (1.646) (1.870) (1.590) (1.490) (1.340) (2.017) (1.737) (1.637) (1.487) (1.843) (1.563) (1.463) (1.313) (1.383) (1.103) (1.003) (0.853) (1.876) (1.596) (1.496) (1.346) (1.474) (1.194) (1.094) (0.944) (0.832) (0.552) (0.452) (0.302) (1.734) (1.454) (1.354) (1.204) (1.106) (0.826) (0.726) (0.576) (0.282) (0.002) (1.453) (1.173) (1.073) (0.923) (0.718) (0.438) (0.338) (0.188) (1.173) (0.893) (0.793) (0.643) (0.331) (0.051) (0.860) (0.580) (0.480) (0.330) (0.547) (0.267) (0.167) (0.017) (0.203) Freddie Mac 10-1 ARM (5-2-5) Super Conforming 15 Day 30 Day 45 Day 60 Day (3.047) (2.767) (2.667) (2.517) (2.702) (2.422) (2.322) (2.172) (2.356) (2.076) (1.976) (1.826) (1.870) (1.590) (1.490) (1.340) (1.383) (1.103) (1.003) (0.853) (0.832) (0.552) (0.452) (0.302) (0.282) (0.002) Freddie Mac ARM Products All Conforming ARMs (Does not include LP Open Access) Cash-Out Lender Paid MI Premium Number Of Units Subordinate Financing Misc Adjusters Non Owner Occupied Loan Level Price < >= 760 <= 60 NA NA NA NA NA NA NA <= 60 NA NA NA < Rate & Term Refi NA Manufactured Home NA nd Home NA Loan Amt > $650k NA Unit NA Non Owner Occupied NA <= 85 NA NA NA <= > 85 Loan Amount Purchase Refinance 2 Units <$50, units $50,000 - $99,999 C < 720 >= 720 $100,000 - $149,999 <=75 <= Loan Size $150,000 - $199,999 <= $200,000 - $249,999 (0.125) $250,000 - $299,999 (0.125) $300,000 - Conforming Limit (0.125) Condo > 75 (>15yr Term) High Balance >90 Escrow Waiver (Full or Taxes Only) Purchase & Rate/Term Refi <= Escrow Waiver (Insurance Only) Purchase & Rate/Term Refi > Super Conforming Manufactured Home (High Bal - Not Permitted) Cash Out <= <= Cash Out > > , 45 & 60 Day Lock Purchase Special () *Some adjustment details may not appear when pricing through the portal, however the final price will match the rate sheet. Max YSP Margin 2.250% Page 10

11 Page 11 New Penn Jumbo Series C as of 02/23/ :20 AM 5/1 ARM 15 Yr Fixed 15/30/45 Day 60 Day 15/30/45 Day 60 Day (1.570) (1.320) (1.320) (1.070) (1.570) (1.320) (1.320) (1.070) (1.570) (1.320) (1.320) (1.070) (1.495) (1.245) (1.320) (1.070) (1.120) (0.870) (0.870) (0.620) (0.751) (0.501) (0.270) (0.020) (0.357) (0.107) Max Price Max Price to 85 No PMI ARM >1,000,000 <= 1,500,000 ARM >1,500,000 <= 2,000,000 Fixed >1,250,000 <= 2,000,000 2nd Home Cashout >=740, <=60 Cashout >=740, >60 & <=70 Cashout >=740, >70 & <=75 Cashout >=720 & <740, <=60 Cashout >=720 & <740, >60 & <=70 Cashout >=720 & <740, >70 & <=75 Escrow Waiver Price Adjustment Rate Adjustment Pricing is subject to change without notice.

12 as of 2/23/2018 8:39 AM FICO Jumbo D - 30 Yr Fixed Jumbo D - 20 Yr Fixed Jumbo D - 15 Yr Fixed 15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day (2.396) (2.271) (2.146) (2.021) (2.771) (2.646) (2.521) (2.396) (1.126) (1.001) (0.876) (0.751) (2.347) (2.222) (2.097) (1.972) (2.722) (2.597) (2.472) (2.347) (1.093) (0.968) (0.843) (0.718) (2.298) (2.173) (2.048) (1.923) (2.673) (2.548) (2.423) (2.298) (0.622) (0.497) (0.372) (0.247) (1.812) (1.687) (1.562) (1.437) (2.187) (2.062) (1.937) (1.812) (0.152) (0.027) (1.326) (1.201) (1.076) (0.951) (1.701) (1.576) (1.451) (1.326) (0.857) (0.732) (0.607) (0.482) (1.232) (1.107) (0.982) (0.857) (0.263) (0.138) (0.013) (0.638) (0.513) (0.388) (0.263) (0.044) Jumbo D - 30 Yr Fixed - > 80% Jumbo D - 20 Yr Fixed - > 80% Jumbo D - 15 Yr Fixed - > 80% 15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day FICO/ - Loan Amount $850,000 State % --> < = * State LLPA State LLPA State LLPA >= 800 (0.375) (0.375) (0.375) () (0.125) AK KY OH (0.375) (0.375) (0.375) (0.125) AL LA OK (0.040) (0.375) () () AR (0.020) MA OR () (0.125) (0.125) AZ MD PA () (0.125) n/a CA ME RI (0.020) n/a CO MI (0.050) SC n/a CT MN (0.020) SD * Maximum loan amount permitted over 90% is $636,150 DC MO (0.040) TN FICO/ - Loan Amount > $850,000 DE MT (0.020) TX (0.050) FICO Jumbo Series D Jumbo Series D % --> < = FL NC UT >= 800 (0.375) (0.375) () n/a n/a GA (0.010) ND VA (0.375) (0.375) (0.125) n/a n/a HI NE VT (0.375) () n/a n/a IA (0.050) NH (0.010) WA () (0.125) n/a n/a ID NJ WI (0.040) n/a n/a IL NM WV (0.020) n/a n/a IN NV WY n/a n/a n/a n/a n/a n/a n/a n/a KS NY (0.050) Feature LPMI % --> < = * Condo Premium Rate & Term Refi nd Home n/a n/a n/a n/a n/a LA > $650k Investment n/a n/a n/a n/a n/a n/a <= Cashout n/a n/a n/a n/a n/a n/a 20 Yr Term Unit n/a n/a n/a n/a n/a n/a NA NA NA Unit n/a n/a n/a n/a n/a n/a Escrow Waiv n/a <= > 20 Yr Term * Maximum loan amount permitted over 90% is $636, NA NA NA * Maximum loan amount permitted over 90% is $636,150 Max Price 20/30 Yr Fixed Yr Fixed Note: MI Is Required on All Transactions with 's > 80% Pricing is subject to change without notice (866) Page 12

13 2/23/2018 7:00 AM Jumbo Series F Jumbo F - 20/25/30 Yr Fixed - s 80.00% Jumbo F - 20/25/30 Yr Fixed - s > 80.00% Jumbo F - 10/15 Yr Fixed (2.848) (2.653) (2.457) (2.277) (1.332) (1.131) (0.929) (0.745) (1.826) (1.692) (1.549) (1.424) (2.575) (2.380) (2.184) (2.004) (0.923) (0.715) (0.508) (0.319) (1.639) (1.505) (1.362) (1.237) (2.355) (2.160) (1.964) (1.784) (0.531) (0.322) (0.113) (1.445) (1.311) (1.168) (1.043) (2.041) (1.839) (1.638) (1.454) (0.115) (1.323) (1.189) (1.046) (0.921) (1.697) (1.489) (1.281) (1.093) (1.125) (0.991) (0.848) (0.723) (1.342) (1.133) (0.924) (0.735) (0.872) (0.738) (0.595) (0.470) (0.977) (0.767) (0.557) (0.367) (0.565) (0.427) (0.279) (0.150) (0.540) (0.334) (0.128) (0.205) (0.066) (0.093) Jumbo F - 10/1 LIBOR ARM 2/2/5 Jumbo F - 7/1 LIBOR ARM 2/2/5 Jumbo F - 5/1 LIBOR ARM 2/2/ (2.484) (2.353) (2.216) (2.093) (1.768) (1.652) (1.533) (1.426) (1.793) (1.692) (1.591) (1.499) (2.294) (2.163) (2.026) (1.903) (1.602) (1.486) (1.367) (1.260) (1.669) (1.568) (1.467) (1.375) (2.060) (1.929) (1.792) (1.669) (1.390) (1.274) (1.155) (1.048) (1.541) (1.440) (1.339) (1.247) (1.777) (1.646) (1.509) (1.386) (1.164) (1.048) (0.929) (0.822) (1.379) (1.278) (1.177) (1.085) (1.512) (1.381) (1.244) (1.121) (0.945) (0.829) (0.710) (0.603) (1.187) (1.086) (0.985) (0.893) (1.190) (1.056) (0.913) (0.788) (0.665) (0.546) (0.423) (0.313) (0.962) (0.861) (0.760) (0.668) (0.750) (0.612) (0.464) (0.335) (0.294) (0.173) (0.047) (0.715) (0.614) (0.513) (0.421) (0.273) (0.134) (0.472) (0.368) (0.264) (0.170) (0.206) (0.101) C --> * * 30 yr Fixed 30 Yr Fixed (0.125) NA NA NA NA 80% > 80% 15 yr Fixed 10 yr Hybrid 7 yr Hybrid 5 yr Hybrid () ,000,000 (2.375) (1.875) (1.875) (1.625) (1.250) (1.250) (0.375) (0.125) > 1,000,000 (1.875) (1.375) (1.625) (1.375) (1.125) (1.125) 760 (0.500) (0.375) () (0.125) () *ARM products have a maximum 85 and minimum 760 score Credit Score Loan Amount Jumbo Series F C --> C --> $1MM () () (0.125) 5 yr ARM NA $1M - $1.5M () yr ARM NA $1.5M - $2M (0.125) NA NA NA 10 yr ARM NA $2M - $2.5M NA NA NA NA 15 yr Fixed (0.125) () (0.500) NA 20 yr Fixed Purpose/Property Type (add 30 Yr) () () () () () () () 30 yr Fixed C --> Cash Out NA NA NA NA Special (Amort 240 months - Fixed Products Only) 2 Unit NA NA NA NA NA C --> Unit NA NA NA NA NA QM Fix - Non CA (0.375) (0.375) (0.375) (0.375) (0.375) 2nd Home NA NA QM Fixed - CA () () () (0.125) Investment NA NA NA NA NA QM ARM - CA NA Purchase () () () (0.375) (0.500) (0.375) (0.375) NonQM Fix - Non CA NA NA NA NA NA NA NA NonQM Fix - CA NA NA NA NA NA NA NA State C --> 80.00% > 80.00% C --> Escrow Waiver FL, NV Subordinate Financing* CA Max Price Product Page 13

14 as of 2/23/18 8:47:10 AM Jumbo I - 30 Yr Fixed Jumbo I - 15 Yr Fixed Jumbo I - 10/1 LIBOR ARM 5/2/ (2.808) (2.635) (2.462) (2.289) (2.337) (2.180) (2.022) (1.865) (0.808) (0.645) (0.483) (0.320) (2.485) (2.318) (2.150) (1.982) (2.061) (1.909) (1.757) (1.605) (0.516) (0.359) (0.201) (0.044) (2.081) (1.919) (1.756) (1.594) (1.722) (1.576) (1.429) (1.282) (0.146) (1.614) (1.457) (1.300) (1.143) (1.337) (1.195) (1.054) (0.912) (1.104) (0.952) (0.800) (0.648) (0.920) (0.784) (0.647) (0.511) (0.575) (0.428) (0.281) (0.134) (0.488) (0.357) (0.226) (0.094) (0.019) (0.043) Jumbo I - 7/1 LIBOR ARM 5/2/5 Jumbo I - 5/1 LIBOR ARM 5/2/5 15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day (2.287) (2.124) (1.962) (1.799) (2.362) (2.200) (2.037) (1.875) (2.089) (1.932) (1.774) (1.617) (2.040) (1.883) (1.726) (1.569) (1.813) (1.661) (1.509) (1.357) (1.689) (1.537) (1.385) (1.233) (1.474) (1.327) (1.180) (1.034) (1.316) (1.170) (1.023) (0.876) (1.089) (0.947) (0.805) (0.664) (0.933) (0.791) (0.650) (0.508) (0.672) (0.536) (0.399) (0.263) (0.548) (0.411) (0.275) (0.138) (0.240) (0.109) (0.137) (0.006) C --> C --> < 700 N/A N/A N/A < N/A N/A N/A (0.125) () (0.125) (0.125) (0.375) () (0.125) () (0.125) (0.500) (0.375) () (0.375) () (0.125) C --> C --> $1MM () (0.125) $1MM () (0.125) $1MM - $1.5MM (0.125) $1MM - $1.5MM (0.125) $1.5MM - $2MM N/A N/A $1.5MM - $2MM N/A N/A $2MM - $2.5MM N/A N/A $2MM - $2.5MM N/A N/A C --> C --> nd Home N/A 2nd Home N/A Purchase (15 Yr Fixed ONLY) (0.125) (0.125) (0.125) (0.125) Purchase (0.125) (0.125) (0.125) (0.125) C/O Refinance N/A C/O Refinance N/A 2-4 Unit Unit DTI > 40% DTI > 40% Escrow Waiver Excluding CA, NC, DC, NY Fixed Credit Score Loan Amount Purpose/Property Type Jumbo Series I Jumbo Series I Other ARM Credit Score Loan Amount Purpose/Property Type Yr Fixed Purchase () Maximum Prices 30 Year Fixed Products (1.750) 7 and 10 Year ARM Products (1.375) 15 Year Fixed Products (1.500) 5 Year ARM Products (1.375) Page 14

15 2/23/2018 7:00 AM Jumbo J - 20/25/30 Yr Fixed - QM Jumbo J - 10/15 Yr Fixed - QM Jumbo J - 10/1 LIBOR ARM 2/2/5 - QM (7.498) (7.303) (7.108) (6.927) (5.916) (5.782) (5.639) (5.513) (6.616) (6.486) (6.348) (6.225) (7.141) (6.945) (6.750) (6.570) (5.620) (5.486) (5.343) (5.217) (6.297) (6.167) (6.029) (5.907) (6.783) (6.588) (6.393) (6.213) (5.324) (5.190) (5.047) (4.922) (5.979) (5.849) (5.711) (5.588) (6.426) (6.231) (6.035) (5.855) (5.029) (4.894) (4.752) (4.626) (5.660) (5.530) (5.392) (5.270) (6.069) (5.873) (5.678) (5.498) (4.733) (4.599) (4.456) (4.330) (5.342) (5.212) (5.074) (4.951) (5.711) (5.516) (5.321) (5.140) (4.437) (4.303) (4.160) (4.034) (5.023) (4.893) (4.755) (4.633) (5.354) (5.158) (4.963) (4.783) (4.141) (4.007) (3.864) (3.739) (4.705) (4.575) (4.437) (4.314) (4.996) (4.801) (4.606) (4.426) (3.846) (3.711) (3.568) (3.443) (4.386) (4.256) (4.118) (3.996) (4.639) (4.444) (4.248) (4.068) (3.550) (3.416) (3.273) (3.147) (4.068) (3.938) (3.800) (3.677) (4.282) (4.086) (3.891) (3.711) (3.254) (3.120) (2.977) (2.851) (3.749) (3.619) (3.481) (3.359) (3.884) (3.689) (3.494) (3.314) (2.938) (2.804) (2.661) (2.535) (3.409) (3.279) (3.141) (3.018) (3.454) (3.259) (3.063) (2.883) (2.604) (2.470) (2.327) (2.202) (3.051) (2.920) (2.783) (2.660) (2.995) (2.800) (2.605) (2.425) (2.257) (2.122) (1.980) (1.854) (2.677) (2.547) (2.409) (2.287) (2.514) (2.318) (2.123) (1.943) (1.897) (1.763) (1.620) (1.494) (2.291) (2.161) (2.023) (1.901) (2.012) (1.817) (1.622) (1.442) (1.528) (1.394) (1.251) (1.125) (1.895) (1.765) (1.627) (1.504) (1.495) (1.300) (1.104) (0.924) (1.150) (1.015) (0.873) (0.747) (1.489) (1.359) (1.221) (1.099) (0.964) (0.769) (0.573) (0.393) (0.764) (0.629) (0.487) (0.361) (1.075) (0.945) (0.807) (0.684) (0.410) (0.209) (0.008) (0.370) (0.236) (0.093) (0.653) (0.523) (0.385) (0.262) (0.222) (0.092) Jumbo J - 7/1 LIBOR ARM 2/2/5 - QM Jumbo J - 5/1 LIBOR ARM 2/2/5 - QM 15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day (5.824) (5.709) (5.590) (5.482) (4.629) (4.528) (4.428) (4.335) (5.557) (5.441) (5.322) (5.215) (4.415) (4.314) (4.213) (4.121) (5.289) (5.174) (5.055) (4.947) (4.201) (4.100) (3.999) (3.907) (5.022) (4.906) (4.787) (4.680) (3.987) (3.886) (3.785) (3.693) (4.754) (4.639) (4.520) (4.412) (3.773) (3.672) (3.571) (3.479) (4.487) (4.372) (4.252) (4.145) (3.559) (3.458) (3.357) (3.265) (4.220) (4.104) (3.985) (3.877) (3.345) (3.244) (3.143) (3.051) (3.952) (3.837) (3.717) (3.610) (3.131) (3.030) (2.929) (2.837) (3.685) (3.569) (3.450) (3.342) (2.917) (2.816) (2.715) (2.623) (3.417) (3.302) (3.182) (3.075) (2.703) (2.602) (2.501) (2.409) (3.129) (3.014) (2.895) (2.787) (2.474) (2.374) (2.273) (2.181) (2.825) (2.709) (2.590) (2.483) (2.234) (2.133) (2.033) (1.941) (2.506) (2.391) (2.272) (2.164) (1.984) (1.884) (1.783) (1.691) (2.176) (2.060) (1.941) (1.834) (1.726) (1.625) (1.525) (1.433) (1.836) (1.720) (1.601) (1.494) (1.461) (1.360) (1.260) (1.167) (1.487) (1.372) (1.252) (1.145) (1.190) (1.089) (0.989) (0.897) (1.132) (1.016) (0.897) (0.789) (0.912) (0.812) (0.711) (0.619) (0.767) (0.651) (0.532) (0.425) (0.625) (0.524) (0.423) (0.331) (0.404) (0.289) (0.169) (0.062) (0.336) (0.235) (0.134) (0.042) (0.036) Credit Score C --> NA NA Loan Amount 30 Yr Fixed 15 Yr Fixed 10/1 ARM 7/1 ARM 5/1 ARM ,000,000 (1.500) (1.250) (1.000) (1.000) (1.000) > 1,000,000 (1.000) (0.875) (0.875) (0.875) (0.875) (0.125) () (0.125) (0.375) () (0.125) Loan Amount C --> C --> $1MM 5 yr ARM $1M - $1.5M NA NA 7 yr ARM $1.5M - $2M NA NA NA 10 yr ARM $2M - $2.5M NA NA NA NA NA NA NA 15 yr Fixed 20 yr Fixed Purpose/Property Type (add 30 Yr) () () () () () () () 30 yr Fixed C --> Cash Out NA NA Escrow Waiver 2 Unit 3-4 Unit NA NA NA 2nd Home NA NA Investment NA NA NA Purchase (0.375) (0.375) (0.375) (0.375) (0.375) () () Non-War. Condo NA NA State C --> FL, NV Jumbo Series J - QM Jumbo Series J - QM Max Price Product Page 15

16 NPF Smart Series powered by New Penn Financial SmartChoice For Borrowers with good credit and strong reserves requiring a higher DTI threshold up to 49.99%. Accomodates Borrowers with just 2 tradelines, require asset depletion to qualify, are purchasing a non-warrantable condo, are purchasing an investment property using rental income without a current lease agreement, or want interest only. Increase your referrals by providing a RELIABLE DEDICATED Non-Agency/Non-QM operation and file flow to solve your borrowers intricate qualification needs and deliver a positive lending experience! Rate Term Refi - Primary - 30 Yr Fixed See for Purchases, Second Homes, and NOO Credit Score/ to Price Rate 15 Day 30 Day 45 Day 60 Day /FICO Max L.A. >760 >740 >720 >700 >680 > (3.139) (2.944) (2.748) (2.568) <55% $2m (0.375) () (0.125) (2.782) (2.586) (2.391) (2.211) % $2m (0.375) () (0.125) (2.384) (2.189) (1.994) (1.814) % $2m () (0.125) (1.954) (1.759) (1.563) (1.383) % $2m (0.125) (1.495) (1.300) (1.105) (0.925) % $2m (1.014) (0.818) (0.623) (0.443) % $2m (0.512) (0.317) (0.122) % $1m NA % $1m NA General Information (see Guides for details) to Price Notes Loan Terms & Qualifying Rate 30-Year Fixed & Interest Only Interest Only Second Homes (1-unit only) Add 0.125% to the Rate 0.125% <60% - max loan amount $2m % % - max loan amount $2m 0.375% % - max loan amount $1m 0.750% % - max loan amount $1m 1.250% 0.750% <60% - max loan amount $1m 1.250% 1.500% 1.750% 0.125% $1,000,001 - $1,500,000 & % % 0.375% Income Full Doc including 4506 Documentation Asset Depletion Income available Reserves % max - max loan amount $1m Primary: 12 months: Loan Amount <$1m with >80% Investment 6 months: Loan Amount <$1m with <80% Properties % - max loan amount $1m 9 months: Loan Amount >$1m <$1.5m % - max loan amount $1m 12 months: Loan Amount >$1.5m % max - max loan amount $1m 2nd Home: 12 months: Loan Amount <$1m Loan Amounts 18 months: Loan Amount >$1m<$1.5m ($100k $1,000,001 - $1,500,000 & % 24 months: Loan Amount >$1.5m minimum) $1,000,001 - $1,500,000 & % Investment: Notes: 12 months Additional reserves required for FTHB, Non-Occ Co- Borr, multiple financed properties. Min 5% down 0.125% % 0.375% $1,500,001 - $2,000,000 & % $1,500,001 - $2,000,000 & % $1,500,001 - $2,000,000 & % payment from Borrower's own funds required. Purchase 0.375% <80% Cash Out 1-2 units only for Primary; 1-unit only for Second % >80% Max Cash Out Homes; No Cash Out for Investment Properties $250k: Primary 680 Fico, max 80%, max LA $1m $500k: Primary 680 Fico, max 60%, max LA $1.5m $250k: 2nd Home 680 Fico, max 65%, max LA $1m $500k: 2nd Home 680 Fico, max 60%, max LA $1.5m Cash Out (1-2 Units only) 0.500% 0.625% 0.750% 1.000% 1.500% <60% - max loan amount $1.5m % - max loan amount $1m % - max loan amount $1m % - max loan amount $1m % max - max loan amount $1m Tradelines 2 Minimum: with requirements - see guides Non-Warr % Derogatory Credit 7-years seasoning required for BK, FC, NOD, SS, DIL, or Condotel 1.250% Restricitions apply - see guides consumer credit counseling. Housing History: 1x30x12 or 2x30x24 permitted DTI (49.99% Max) % % 38% max when >80% 43% max when NOO-Co-Borr or FTHB First-Time Departing Residence Financed Properties Restrictions appy see guidelines Departing residence excluded from DTI even when property will not be sold prior to closing see guides Max 4 Financed Properties - each property requires 3-4 Units % % % 0.500% 43.01%<47.00% DTI 47.01%<49.99% max (ARM not available) Departing Residence not calculated in DTI No 2nd Homes; Max 70% & $1.5m LA additional 6-months reserves. If to same Borr, see 2 Units % No Second Homes guides State Adjusters % % - Florida & Nevada Gifts Permitted with Borrower contributing 5% own funds 0.500% % - Florida & Nevada Mortgage Insurance None required 0.750% % - Florida & Nevada Pre-Payment Penalty None 1.000% % - Florida & Nevada

17 Page 17 Dream Big Jumbo 20/25/30 Yr Fixed Rate 15 Day 30 Day 45 Day 60 Day (3.538) (3.413) (3.288) (3.163) (3.133) (3.008) (2.883) (2.758) (2.187) (2.062) (1.937) (1.812) (1.780) (1.655) (1.530) (1.405) (1.326) (1.201) (1.076) (0.951) (0.820) (0.695) (0.570) (0.445) (0.105) Based Higher of /C ---> <= N/A N/A N/A N/A (0.125) N/A N/A FICO () (0.125) (0.375) () (0.125) >= 760 (0.500) (0.375) () Purchase () () () () () Cash Out Refinance N/A N/A N/A Rate & Term Refinance nd Home N/A Non Owner Occupied N/A N/A N/A 2 Unit N/A N/A 3-4 Unit N/A N/A N/A N/A N/A Non-Warrant Condo <= $453, DTI >= 40 Rate (Increase to rate) Delayed Financing Non-Warrantable Condo Max Price 20/25/30 Yr Fixed Pricing is subject to change without notice. (866)

18 DU Refi Plus 30yr Fixed DU Refi Plus 25yr Fixed DU Refi Plus 20yr Fixed (4.175) (4.058) (3.970) (3.783) (4.175) (4.058) (3.970) (3.783) (4.490) (4.369) (4.274) (4.082) (3.780) (3.663) (3.575) (3.388) (3.780) (3.663) (3.575) (3.388) (4.154) (4.030) (3.928) (3.731) (3.273) (3.156) (3.068) (2.881) (3.273) (3.156) (3.068) (2.881) (3.740) (3.617) (3.514) (3.317) (2.716) (2.591) (2.503) (2.316) (2.723) (2.598) (2.503) (2.316) (3.301) (3.178) (3.075) (2.878) (2.106) (1.985) (1.897) (1.710) (2.126) (2.001) (1.906) (1.711) (2.792) (2.669) (2.566) (2.369) (1.485) (1.369) (1.281) (1.093) (1.514) (1.389) (1.294) (1.099) (2.168) (2.045) (1.942) (1.745) (0.907) (0.790) (0.703) (0.515) (0.932) (0.807) (0.712) (0.517) (1.778) (1.654) (1.552) (1.355) (0.196) (0.085) (0.005) (0.204) (0.094) (0.013) (1.053) (0.942) (0.862) (0.681) (0.517) (0.407) (0.326) (0.146) DU Refi Plus 15yr Fixed DU Refi Plus 10yr Fixed DU Refi Plus 30yr Fixed High Balance (2.927) (2.825) (2.747) (2.569) (2.735) (2.633) (2.555) (2.377) (3.144) (3.019) (2.924) (2.729) (2.652) (2.552) (2.482) (2.311) (2.540) (2.440) (2.369) (2.199) (3.019) (2.893) (2.798) (2.603) (2.342) (2.242) (2.172) (2.001) (2.349) (2.249) (2.179) (2.008) (2.678) (2.553) (2.458) (2.263) (1.905) (1.805) (1.734) (1.564) (2.063) (1.962) (1.892) (1.722) (2.155) (2.030) (1.935) (1.740) (1.341) (1.240) (1.170) (1.000) (1.700) (1.600) (1.530) (1.359) (1.529) (1.404) (1.309) (1.114) (0.809) (0.709) (0.638) (0.468) (1.359) (1.258) (1.188) (1.018) (0.825) (0.700) (0.605) (0.410) (0.259) (0.174) (0.119) (0.575) (0.486) (0.407) (0.232) (0.243) (0.133) (0.052) (0.309) (0.219) (0.141) DU Refi Plus 25yr Fixed High Balance DU Refi Plus 20yr Fixed High Balance DU Refi Plus 15yr Fixed High Balance (3.144) (3.019) (2.924) (2.729) (2.493) (2.367) (2.272) (2.077) (0.155) (0.054) (3.019) (2.893) (2.798) (2.603) (2.457) (2.332) (2.237) (2.042) (0.182) (0.081) (0.011) (2.678) (2.553) (2.458) (2.263) (2.141) (2.016) (1.920) (1.725) (0.101) (0.001) (2.155) (2.030) (1.935) (1.740) (1.618) (1.492) (1.397) (1.202) (1.529) (1.404) (1.309) (1.114) (0.992) (0.867) (0.771) (0.576) (0.825) (0.700) (0.605) (0.410) (0.288) (0.163) (0.067) (0.243) (0.133) (0.052) DU Refi Plus 10yr Fixed High Balance 15 Day 30 Day 45 Day 60 Day (0.280) (0.179) (0.109) (0.307) (0.206) (0.136) (0.226) (0.126) (0.056) (0.102) (0.002) All Fixed Conforming > 15yr Terms (All Occupancies) < >= 740 <= > C < 720 >= 720 Investment Property <= Investment Property Subordinate Financing Investment Property > Units <=95 > Misc Adjusters High Balance Loan Adjustment ALL ALL Condo > 75 (>15yr Term) (All Terms) Applied after Cap (All Terms) <$50, Manufactured Home $50,000 - $99,999 $100,000 - $149,999 Max YSP Loan Size $150,000 - $199,999 $200,000 - $249,999 $250,000 - $299,999 Term Occupancy $300,000 - Conforming Limit <=20 > 80% Owner Adjustment Caps > 20 > 80% Owner >25 All NOO/2nd Expanded Approval ** Escrow Waiver (Full or Taxes Only) Escrow Waiver (Insurance Only) * Some adjustment details may not appear when pricing through the portal, however the final price will match the rate sheet. * 20/25 Yr Expanded Approval priced as 30 Yr & 10 Yr priced as 15 Yr Fannie Mae - Fixed Rate Products (DU Refi Plus <= 105% ) Loan Level Price : See Adjustment Caps <=25 <=105 NOO/2nd All <=80% Owner Page 18