Flexible Mortgage Solutions for Extraordinary People. Multi-Family. Investor 1-4. Mixed-Use. Commercial

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1 Multi-Family Investor 1-4 Mixed-Use Commercial Flexible Mortgage Solutions for Extraordinary People Velocity Mortgage Capital is a nationwide, direct portfolio lender focused exclusively on financing residential 1-4 investment, multi-family, mixed-use and small balance commercial properties. By focusing more on the property s value and revenue-generating potential than the borrower s personal income and credit, our alternative, asset based mortgage programs allow the brokers we service to meet the unique needs of real estate investors, including W-2, self-employed and small business owners, who are often tough to qualify. Because all borrowers, even the extraordinary ones, deserve an opportunity. Every Vision Needs Velocity.

2 FlexPerm Loan An uncomplicated option with flexible underwriting and longer terms. Designed for investors seeking a simple financing solution for purchase or refinance, with the flexibility to remain in the loan for up to 30 years. Great for qualifying W-2 and self-employed investors. Based on property value, not personal income. Best alternative to hard money loans. Available as a 3-year-fixed or 8-year-fixed loan, each amortized over 30 years. Property Residential 1-4 SFI, Condo, & 2-4 Units Multi-Family & Mixed-Use 5+ Unit Multi-Family & Mixed-Use Add 25 BPS to the rates shown below for all refinance transactions. Commercial Office, Retail, Warehouse, Self-Storage & Automotive Fixed 3-Year 8-Year 3-Year 8-Year 3-Year 8-Year Loan-To-Value Max 75%* Max 75%* Max 75% Max 75% Max 70% Max 70% FICO % 7.99% 7.49% 8.24% 7.99% 8.74% FICO % 8.49% 7.99% 8.74% 8.49% 9.24% FICO < % 8.99% 8.49% 9.24% 8.99% 9.74% General Guidelines Amortization Rebates Purchase, Rate- Refinance, Cash-Out Refinance $75K - $5MM Residential 1-unit maximum loan amount is $1.5MM Residential 2-4 unit maximum loan amount is $2MM Minimum loan amount on Multi-Family, Mixed-Use and Commercial is $100k 30-year term, with loans fixed for first 3 years or 8 years 30-year fully amortized loan 650 minimum (mid FICO) Index / Margin / Caps WSJ Prime + 5%. Rate Caps = 2/1/6 1-point rebate =.50% add-on to rate (Max rebate 2%. > 1YSP = 5% prepay) Prepayment Penalty Residential 1-4: 3-year fixed = 3%, 3%, 3%, or 8-year fixed = 3%, 3%, 3%, 3%, 3% Minimum prepay on all loans = 1 year Prepayment Buydown(s) Multi-Family, Mixed-Use and Commercial: 3-year fixed = 5%, 5%, 5%, or 8-year fixed = 5%, 5%, 5%, 5%, 5% 1-6 residential units in NJ = no prepay, add 1% to rate 1-4 residential units in NM = no prepay, add 1% to rate For each year of buydown, add 1% to start rate OR 1% in fee. Rate Buydown 1-point fee =.50% rate reduction (Maximum rate reduction is 1%) Minimum Rate 5.24% Prepayment Buy Up Broker Compensation Reduce rate by.25% for each year added. Penalty increases to 5% for all years of prepayment term. Maximum is 5% of the loan amount, including all broker fees. Asset Verification Appraisal Process & Fee Loans < $250k Rate Add-ons Investor 1-4 CLTV Locations nationwide. (For ineligible locations contact your Account Executive for details.) First time investor = 5% LTV reduction for all property types. First time buyers are ineligible for investment 1-unit properties. Simple Documentation. Source of funds required for all money brought into any transaction. Contact your account executive to learn about our streamlined process and cost. Required for property taxes & insurance. 65% maximum LTV. Add 50 bps to the matrix rate for multi-family, mixed-use and commercial properties. Add 25 bps to residential 1-4 rates for the following states: NY, PA, CT, NJ, FL. Add 25 bps for all refinance transactions. *75% LTV on purchases only with 650+ mid FICO. Residential 1-4 loans > $1mm = 70% max LTV. 80% maximum CLTV.

3 Credit QuickFix Loan A higher LTV alternative to hard money. Designed for investors with credit issues seeking an interest-only, short-term loan as an alternative to hard money financing. A higher LTV than hard money options. Great for borrowers who need a quick close. An interest-only 1-year term provides lower monthly payments. Perfect for acquiring or leveraging real estate with deferred maintenance. Residential 1-4 ( SFI, Condo, & 2-4 Units) Tier Loan-To-Value Interest Rate Only LTV 1 FICO % 75% 2 FICO % 75% 3 FICO < % 75%* General Guideliness Prepayment Premium Rate Buydown Purchase and refinance transactions. *Tier 3 Refi is70% maximum. $75K $2MM 1-year interest only. No minimum. Minimum 4 months interest. 1-point fee =.50% rate reduction. (Maximum 1% rate reduction) Broker Fees Maximum is 5% of the loan amount, including all broker fees. Lender Fees 2% + underwriting fee of $999. Lender Fee Reduction Add 1.0% in rate for each.50% reduction in fee. Maximum fee buydown is 1%. Location Add-on Add 1.50% to the start rate for properties located in: CT, DE, FL, HI, IA, ID, IL, IN, LA, ME, NJ, NM, NY, OH, OK, PA, SC, or WI. Down Payment Appraisal Process Locations Nationwide (For ineligible locations contact your Account Executive for details.) *First Time Investor = Tier 3. MAX 70% LTV Simple Documentation. Must be sourced. Contact your Account Executive to learn about our streamlined process and cost. None. 65% maximum LTV.

4 Fast50 Loan A low LTV loan with easy credit requirements. Designed for investors with derogatory credit issues and high equity seeking quick and easy credit qualification. Great for borrowers with a recent bankruptcy or notice of default. No seasoning of ownership required. Improved pricing compared to our FlexPerm program. Derogatory mortgage history is okay. Property Residential 1-4 (SFI, Condo, & 2-4 Units) Multi-Family & Mixed-Use (5+ Unit Multi-Family & Mixed-Use ) Commercial (Office, Retail, Warehouse, Self-Storage & Automotive) Fixed 3-Year 8-Year 3-Year 8-Year 3-Year 8-Year Loan-To-Value Max 50% Max 50% Max 50% Max 50% Max 50% Max 50% FICO % 7.49% 6.99% 7.74% 7.49% 8.24% FICO % 7.99% 7.49% 8.24% 7.99% 8.74% FICO % 8.49% 7.99% 8.74% 8.49% 9.24% FICO % 8.99% 8.49% 9.24% 8.99% 9.74% General Guidelines Amortization Rebates Purchase, Rate- Refinance, Cash-Out Refinance $75K - $5MM Investor 1-unit max loan amount is $1.5MM. Investor 2-4 max loan amount is $2MM. Min loan amount on Traditional 1&2 is $100K. 30-year term, with loans fixed for first 3 years or 8 years 30-year fully amortized loan 620 minimum (mid FICO) Index / Margin / Caps WSJ Prime + 5%. Rate Caps = 2/1/6 1-point rebate =.50% add-on to rate (Max rebate 2%. > 1YSP = 5% prepay) Prepayment Penalty Residential 1-4: 3-year fixed = 3%, 3%, 3%, or 8-year fixed = 3%, 3%, 3%, 3%, 3% Minimum prepay on all loans = 1 year Prepayment Buydown(s) Multi-Family, Mixed-Use and Commercial: 3-year fixed = 5%, 5%, 5%, or 8-year fixed = 5%, 5%, 5%, 5%, 5% 1-6 residential units in NJ = no prepay, add 1% to rate 1-4 residential units in NM = no prepay, add 1% to rate For each year of buydown, add 1% to start rate OR 1% in fee. Rate Buydown 1-point fee =.50% rate reduction (Maximum rate reduction is 1%) Minimum Rate 5.24%. Prepayment Buy Up Broker Compensation Reduce rate by.25% for each year added. Maximum is 5% of the loan amount, including broker fees. Add 25 BPS to the rates shown below for all refinance transactions. Bankruptcy/NOD Mortgage Lates Title Seasoning Appraisal Process & Fee Rate Add-Ons Locations nationwide. (For ineligible locations contact your Account Executive for details.) First time buyers are ineligible for investment 1-unit properties. Discharge 1 day. Okay. 1 day. Simple documentation. Contact your account executive to learn about our streamlined process and cost. Required for property taxes & insurance. Okay. Add 25 bps to the residential 1-4 rates for the following states: NY, PA, CT, NJ, FL.

5 (866) 505-FUND For 24/7 service, enter your loan scenarios through our online broker portal at Los Angeles Russell Ranch Rd. Suite 295 Westlake Village, CA Boston 2 Hampshire St. Suite 102 Foxborough, MA Irvine 250 Commerce Suite 210 Irvine, CA Washington, D.C Balls Ford Rd. Suite 180 Manassas, VA Miami 9155 South Dadeland Blvd. Suite 1412 Miami, FL Philadelphia 550 Pinetown Rd. Suite 170 Fort Washington, PA Seattle Willows Rd., NE Suite 120, Bldg. C Redmond, WA Austin 7000 North Mopac Expressway, 2nd Floor Austin TX, For more details on our loan programs or to submit a loan request by telephone, please contact your account executive. All rates, programs and pricing subject to change at any time. This rate sheet is intended for use by mortgage professionals only and is not an advertisement under section of Regulation Z. It is not intended for use by the general public. Loans (in CA) will be made pursuant to California Finance Lenders License #603A Velocity Mortgage Capital, LLC. All rights reserved.