Wholesale Rate Sheet

Transcription

1 Wholesale Rate Sheet Rates as of In observance of the Columbus Day holiday, the Lock Desk will be closed on Monday, October 9th Announcements - Weekly Turn Times - Effective for Oct 2- Oct 6 Pricing Improvement: Conforming 30 Yr Fixed Loans Cutoff Dates: Last Day For Closing This Month Cutoff Date We want all your conforming business too! Last day to acknowledge CD (refi) Monday, October 23, 2017 We extended our purchase special until Oct 31st Last day to sign to fund and record (refi) Thursday, October 26, 2017 Loan Registration Turn Times 7/1 Port Purchase special Purchase 24 hours Effective Oct 2, we reduced the purchase special from 0.25 to on new locks Refinance hours Underwriting Turn Times Turn Times Important Info Regarding PIW's Purchase Transactions: Initial u/w * Condition u/w *PIW only eligible on conforming FNMA (GOLD) programs Conventional 2 days 3-4 days *Full appraisal needed even if DU allows PIW on FNMA (GOLD) High Bal Jumbo Gold 2 days 3-4 days Jumbo Port 406 & days 3-4 days FHA purchase 1-2 days 1-2 days Rate Sheet Index FNMA (Gold) Pg. 2 Refinance Transactions: Initial u/w * Condition u/w FNMA (Gold) LLPA's Pg. 3 Conventional 3-4 days 4-5 days FHLMC (Standard) Pg. 4 Jumbo Gold 3-4 days 4-5 days FHLMC (Standard) LLPA's Pg. 5 Jumbo Port 406 & days 4-5 days Gold Jumbo Fixed & ARM's Pg. 6 FHA refi/streamline 1-2 days 1-2 days Gold Jumbo 90 Fixed -QM Pg. 7 * Condition u/w includes processing time! Gold Jumbo Plus Fixed - Non-QM Pg. 8 Loans in NOI status: condition / re-underwrite review: 4-5 days (purchase and refi) FHA Pg. 9 Jumbo Portfolio 5/1 Arm Pg. 10 Jumbo Portfolio 7/1 Arm Pg. 11 Docs & Funding Turn Times Home Equity Line of Credit Pg. 12 Docs 24 hours purch/24-48 hours refi HELOC 360 Pg. 13 Funding hours AE Contact Info Pg. 14 Lock Extension Fees & Notes: Submissions Desk: submissions@fremontbank.com Lock Desk: locks@fremontbank.com Minimum Loan amount $125,000 for all terms and products MORRIS Support: morrissupport@fremontbank.com MORRIS Phone: GOLD & Standard: 1st extension 0.015/day - 20 day max; 2nd extension is 0.03/day - 10 day max; Max 2 extensions Send request on lock form to locks@fremontbank.com before 4:00PM PT on day of expiration. All Jumbo extensions: 5 days ; 10 days ; 15 days ; 20 days +0.40; 30 days (MAX) 0.60 Fremont Bank Website Same Day Submission cutoff time is 2:00PM PST. Signed Documents sent back to Livermore Loan Center Gold Jumbo extension: Submit lock form to locks@fremontbank.com before 4:00PM PT on day of expiration. 2580B Shea Center Drive, Livermore, CA No relocks allowed on any JUMBO program.gold Jumbo cutoff time 4:00PM for new locks Cutoff time for new Jumbo locks(previously submitted): Gold Jumbo 4:00PM PT All Jumbo locks must be credit approval prior to lock, effective All FHA extensions: 0.02/day - 30 day max. Min extension is 5 da Lender Origination fees for LE: Delivery Fee $ 25, Document Preparation Fee $ 125, Underwriting Fee $800 = $ 950 FHA Origination Fees for LE: Delivery Fee $ 25, Document All FHA relocks: 36bps/ 15days; 66bps/ 30days - 30 day max. Preparation Fee $ 50, Underwriting Fee $ 395 = $ 470 Jumbo Port 5/1 & 7/1 program 406/407 Lock Eligibility: Loans that fit guidelines and are < $1M are lock eligible upon receipt of file submission. Loans > $1M or loans that require a guideline exception must have an 'Approval to Process' to be lock eligible * Section B of LE: Flood $5.25, Tax $60 (Tax N/A for FHA) FNMA - Gold Only (Niche) Scenarios: Loss Payee Clause: CPL: Fremont Bank * Using 2nd job job < 2 Yrs but > 1 Yr * C5 appraisal condition rating Fremont Bank Fremont Blvd. * > 6 financed properties when subject is investment or 2nd home ISAOA, ITS SUCCESSORS OR ASSIGNEES Fremont, CA * PIW only eligible on conforming FNMA (GOLD) programs; HB not allowed, even if DU allows. P.O. Box 7295 FHLMC - Standard Only (Niche) Scenarios: Fremont, CA * Unpermitted Accessory Unit * Debt to be paid off to qualify that cannot be closed * DTI > 45% + LP Approval For rate lock policy click on: Lock Policy For underwriting guidelines click on: Guidelines Pricing subject to change without notice - NO OFF SHEET PRICING 1 Announcements

2 FNMA (GOLD): Conforming & High Balance Fixed Rate First Mortgages - DU only underwriting LOS Plan 670 MORRIS Plan 113 LOS Plan 670 MORRIS Plan 114 Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day (0.523) (0.353) (0.253) (0.072) (1.395) (1.225) (1.125) (0.929) (0.759) (0.659) (2.094) (1.924) (1.834) (1.484) (1.314) (1.214) (2.660) (2.480) (2.390) (2.247) (2.077) (1.977) (2.760) (2.580) (2.490) (2.808) (2.638) (2.538) (3.334) (3.164) (3.064) (3.336) (3.166) (3.066) (3.915) (3.745) (3.645) (3.801) (3.621) (3.531) (4.435) (4.255) (4.165) (4.745) (4.575) (4.475) (4.949) (4.769) (4.679) (5.110) (4.940) (4.850) (5.404) (5.234) (5.134) (5.629) (5.449) (5.359) (5.913) (5.743) (5.643) (6.011) (5.831) (5.741) (6.418) (6.248) (6.158) (6.412) (6.232) (6.142) (6.681) (6.511) (6.421) LOS Plan 670 MORRIS Plan Year Fixed Rate Conf 15 Year Fixed Rate Conf LOS Plan 670 MORRIS Plan Year Fixed Rate Conf 10 Year Fixed Rate Conf Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day (0.102) (0.466) (0.296) (0.196) (0.458) (0.288) (0.188) (0.998) (0.828) (0.728) (0.813) (0.643) (0.553) (1.467) (1.297) (1.197) (1.124) (0.954) (0.854) (2.208) (2.038) (1.938) (2.145) (1.965) (1.875) (2.614) (2.444) (2.344) (2.403) (2.233) (2.143) (2.993) (2.823) (2.723) (2.653) (2.483) (2.383) (3.385) (3.215) (3.115) (2.902) (2.732) (2.642) (3.742) (3.572) (3.472) (3.422) (3.252) (3.152) (3.865) (3.695) (3.595) (3.740) (3.570) (3.470) (4.295) (4.125) (4.035) (4.035) (3.855) (3.765) (4.640) (4.470) (4.370) (4.271) (4.091) (4.001) LOS Plan 671 MORRIS Plan Year High Balance Fixed Rate LOS Plan 671 MORRIS Plan Year High Balance Fixed Rate Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day (0.013) (0.162) (0.625) (0.445) (0.355) (0.654) (0.474) (0.384) (1.394) (1.224) (1.134) (1.023) (0.853) (0.763) (1.960) (1.790) (1.700) (1.644) (1.464) (1.374) (2.060) (1.890) (1.800) (2.060) (1.890) (1.800) (2.644) (2.474) (2.384) (2.449) (2.269) (2.179) (3.085) (2.905) (2.815) (2.761) (2.591) (2.501) (3.475) (3.305) (3.205) (2.998) (2.828) (2.728) (3.609) (3.439) (3.339) (3.081) (2.911) (2.811) (3.374) (3.204) (3.104) (2.941) (2.771) (2.681) (3.853) (3.673) (3.583) (2.466) (2.296) (2.196) 2 (FNMA) Gold

3 FNMA (GOLD): Conforming & High Balance LLPA's - DU only underwriting All Eligible Mortgage & LTV LLPAs for loans with terms > than 15 yrs -- Add to Price / LTV <= 60% % % % % % % > < 620 * * A minimum required credit score of 620 applies to all mortgage loans delivered to FNMA in accordance with the Selling Guide. All Eligible Mortgage Cash Out Refis LLPAs for All Loans -- Add to Price / LTV <= 60% % % % % % % > N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A < 620 * N/A N/A N/A All Eligible Mortgage LLPAs (excluding MCM) -- Apply to All Credit Scores -- Add to Price Product Feature/ LTV <= 60% % % % % % % Conf. 30Yr FRM Purchase High LTV Investment Property N/A N/A > 4 Financed Props (a) N/A N/A 2 - Unit N/A N/A 3-4 Unit N/A N/A N/A N/A Condo w/ Term > 15 Year (a) > 4 Financed Properties applicable to NOO subject prop only Additional LLPAs -- Apply to credit scores for High Balance FRM & ARM -- Add to Price - LTV/CLTV Product Feature <= 60% % % % % % % High Balance FRM Refi High Balance FRM CashOut N/A N/A N/A High Balance FRM Purchase (1) High Balance Mortgage Loan LLPA's are in addition to All Eligible Mortgage LLPA's above Mortgages with Subordinate Financing -- Add to Price All mortgages with HomeReady -- Cumulative LLPA Caps Subordinate Financing* Product Feature LLPA Caps scores LTV > 80% and LTV CLTV * < 720 >= 720 All other LTV ratio/'s < 65% % * Pricing unavailable through MORRIS. Please contact your AE % % * If the sum of all applicable LLPAs exceeds the caps listed above, % % the excess will be waived. LPMI single premium Adj still apply % % < 95% % * LLPA's in this table are based on CLTV, which does NOT include the undrawn portion of a home equity line of credit. Other LTV/CLTV hits are cumulative LPMI Single Premium Adjustments 30 Year Fixed - HomeReady Base LTV Coverage % % 25% 1.68% 2.27% 2.82% 3.32% 4.09% 5.36% 5.82% 6.35% 95% % 25% 1.41% 1.91% 2.36% 2.74% 3.35% 4.37% 4.63% 4.93% 30 Year Fixed & ARM's > 5 Years 95% % 30% 1.60% 2.22% 2.75% 3.21% 3.94% 5.16% 5.48% 5.83% 90% % 25% 1.20% 1.68% 2.08% 2.49% 3.01% 4.06% 4.22% 4.42% 85% & Under 12% 0.59% 0.72% 0.83% 0.97% 1.13% 1.52% 1.57% 1.62% < 20 Year Fixed - HomeReady 97% % 25% 1.09% 1.43% 1.76% 2.05% 2.49% 3.19% 3.39% 3.62% 95% % 25% 0.95% 1.24% 1.50% 1.74% 2.08% 2.66% 2.77% 2.91% < 20 Year Fixed 95% % 25% 0.95% 1.24% 1.50% 1.74% 2.08% 2.66% 2.77% 2.91% 90% % 12% 0.59% 0.72% 0.84% 0.95% 1.10% 1.40% 1.43% 1.47% 85% & Under 6% 0.43% 0.47% 0.49% 0.53% 0.58% 0.69% 0.71% 0.72% Premium Adjustments Rate/Term Refinance * 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% Cash Out 0.54% 0.60% 0.70% 0.85% 1.05% 1.50% 1.65% 1.80% Second Home 0.36% 0.39% 0.49% 0.60% 0.70% 1.23% 1.27% 1.35% Loan Amounts > $650, % 0.66% 0.75% 0.90% 1.20% 1.50% 1.80% 2.10% Investment Property 1.02% 1.19% 1.33% 1.50% 1.75% 1.90% 2.00% 2.63% * rate/term refi adjustment removal effective June 26, (FNMA) Gold New LLPA

4 FHLMC (Standard): Conforming & High Balance Fixed First Mortgages - LP Only LOS Plan 101 MORRIS Plan 210 LOS Plan Year Fixed Rate Conf 20 Year Fixed Rate Conf MORRIS Plan 211 LOS Plan 101 MORRIS Plan Year Fixed Rate Conf Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day (0.653) (0.503) (0.413) (0.222) (0.052) (0.516) (0.376) (0.306) (1.495) (1.335) (1.255) (1.079) (0.909) (0.759) (1.058) (0.928) (0.848) (2.154) (2.004) (1.914) (1.624) (1.464) (1.324) (1.537) (1.397) (1.327) (2.800) (2.620) (2.530) (2.387) (2.227) (2.107) (2.218) (2.078) (1.998) (2.900) (2.720) (2.630) (2.948) (2.788) (2.688) (2.684) (2.544) (2.454) (3.494) (3.314) (3.224) (3.476) (3.316) (3.186) (3.073) (2.923) (2.863) (4.075) (3.895) (3.805) (3.961) (3.771) (3.631) (3.465) (3.315) (3.245) (4.585) (4.405) (4.315) (4.555) (4.375) (4.235) (3.822) (3.672) (3.592) (5.099) (4.919) (4.829) (5.060) (4.880) (4.740) (3.945) (3.795) (3.705) (5.574) (5.384) (5.294) (5.539) (5.359) (5.219) (4.405) (4.225) (4.115) (6.083) (5.893) (5.803) (6.181) (5.981) (5.841) (4.750) (4.570) (4.460) (6.588) (6.398) (6.318) (6.582) (6.382) (6.252) (6.851) (6.661) (6.581) LOS Plan 260 MORRIS Plan 227 LOS Plan Year High Balance Fixed Rate 15 Year High Balance Fixed Rate MORRIS Plan 228 Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day (0.162) (0.425) (0.245) (0.155) (0.654) (0.474) (0.384) (1.194) (1.024) (0.934) (1.023) (0.853) (0.763) (1.760) (1.590) (1.500) (1.644) (1.464) (1.374) (1.860) (1.690) (1.600) (2.060) (1.890) (1.800) (2.444) (2.274) (2.184) (2.449) (2.269) (2.179) (2.885) (2.705) (2.615) (2.761) (2.591) (2.501) (3.275) (3.105) (3.005) (2.998) (2.828) (2.728) (3.409) (3.239) (3.139) (3.081) (2.911) (2.811) (3.174) (3.004) (2.904) (2.941) (2.771) (2.681) (3.653) (3.473) (3.383) (2.466) (2.296) (2.196) 1 Yr Libor % FHLMC (Standard): Conforming & High Balance ARM's - LP Only LOS Plan 114 MORRIS Plan 273 5/1 LIBOR ARM Conf Margin Caps 2/2/5 LOS Plan 111 MORRIS Plan 274 7/1 LIBOR ARM Conf Margin Caps 5/2/5 LOS Plan 112 MORRIS Plan /1 LIBOR ARM Conf Margin Caps 5/2/5 Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day (0.330) (0.205) (0.080) (0.180) (0.055) (0.670) (0.545) (0.420) (0.650) (0.525) (0.400) (0.400) (0.275) (0.150) (1.010) (0.885) (0.760) (1.070) (0.945) (0.820) (0.920) (0.795) (0.670) (1.360) (1.235) (1.110) (1.560) (1.435) (1.310) (1.270) (1.145) (1.020) (1.800) (1.675) (1.550) (1.910) (1.785) (1.660) (1.740) (1.615) (1.490) (2.060) (1.935) (1.810) (2.330) (2.205) (2.080) (1.970) (1.845) (1.720) (2.420) (2.295) (2.170) (2.610) (2.485) (2.360) (2.260) (2.135) (2.010) (2.570) (2.445) (2.320) (2.990) (2.865) (2.740) (2.420) (2.295) (2.170) (2.730) (2.605) (2.480) (3.150) (3.025) (2.900) (2.570) (2.445) (2.320) LOS Plan 265 5/1 LIBOR ARM HB Margin LOS Plan 262 7/1 LIBOR ARM HB LOS Plan /1 LIBOR ARM HB MORRIS Plan Caps 2/2/5 MORRIS Plan 291 Margin Caps 5/2/5 MORRIS Plan 292 Margin Caps 5/2/5 Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day (0.060) (0.560) (0.435) (0.310) (0.360) (0.235) (0.110) (0.910) (0.785) (0.660) (0.270) (0.145) (0.020) (0.800) (0.675) (0.550) (1.330) (1.205) (1.080) (0.740) (0.615) (0.490) (1.060) (0.935) (0.810) (1.610) (1.485) (1.360) (0.970) (0.845) (0.720) (1.420) (1.295) (1.170) (1.990) (1.865) (1.740) (1.260) (1.135) (1.010) (1.570) (1.445) (1.320) (2.150) (2.025) (1.900) (1.420) (1.295) (1.170) (1.730) (1.605) (1.480) (2.310) (2.185) (2.060) (1.580) (1.455) (1.330) 4 (FHLMC) Standard

5 FHLMC (Standard): Conforming & High Balance LLPA's - LP Only ARM's - Maximum number of financed properties (including the subject) for SH & INV 7/1 & 10/1 ARMs is six (6), 5/1 ARM maximum is limited to one (1) & LTV LLPAs for loans with terms > than 15 yrs -- Add to Price LTV/ <= 60% % % % % % % > < 620 * Cash Out Refis LLPAs for all Loans -- Add to Price / LTV <= 60% % % % % % % > N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A < 620 * N/A N/A N/A Additional LLPAs -- Apply to All Credit Scores -- Add to Price Product Feature / LTV <= 60% % % % % % Conf 30 Yr Purchase Special ARM Condo Investment Property N/A N/A > 4 Financed Prop (a) N/A N/A 2-Unit N/A N/A N/A 3-4 Unit N/A N/A N/A (a) > 4 financed prop but no more than 6 financed props allowed under this program. Applies to NOO subject prop. Additional LLPAs -- Apply to credit scores for High Balance FRM & ARM -- Add to Price - LTV/TLTV Product Feature <= 60% % % % % % High Balance FRM Refi High Balance FRM CashOut N/A N/A N/A High Balance FRM Purchase High Balance ARM Refi High Balance ARM CashOut N/A N/A N/A High Balance ARM Purchase Mortgages with Subordinate Financing -- Add to Price LTV TLTV * < 720 >= 720 < 75.00% < 80.00% < 65.00% % % % % % * LLPA's in this table are based on TLTV, which does NOT include the undrawn portion of a home equity line of credit. Other LTV/TLTV hits are cumulative LPMI Single Premium Adjustments 30 Year Fixed & ARM's > 5 Years Base LTV Coverage % % 30% 1.60% 2.22% 2.75% 3.21% 3.94% 5.16% 5.48% 5.83% 90% % 25% 1.20% 1.68% 2.08% 2.49% 3.01% 4.06% 4.22% 4.42% 85% & Under 12% 0.59% 0.72% 0.83% 0.97% 1.13% 1.52% 1.57% 1.62% < 20 Year Fixed 95% % 25% 0.95% 1.24% 1.50% 1.74% 2.08% 2.66% 2.77% 2.91% 90% % 12% 0.59% 0.72% 0.84% 0.95% 1.10% 1.40% 1.43% 1.47% 85% & Under 6% 0.43% 0.47% 0.49% 0.53% 0.58% 0.69% 0.71% 0.72% Premium Adjustments Rate/Term Refinance 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% Cash Out 0.54% 0.60% 0.70% 0.85% 1.05% 1.50% 1.65% 1.80% Second Home 0.36% 0.39% 0.49% 0.60% 0.70% 1.23% 1.27% 1.35% Loan Amounts > $650, % 0.66% 0.75% 0.90% 1.20% 1.50% 1.80% 2.10% Investment Property 1.02% 1.19% 1.33% 1.50% 1.75% 1.90% 2.00% 2.63% scores 5 (FHLMC) Standard New llpa's

6 Gold Program - Jumbo Fixed Rate Mortgages LOS Plan 550 LOS Plan Year Super Jumbo Fixed Rate MORRIS Plan 553 MORRIS Plan Year Super Jumbo Fixed Rate Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day Loan Amount 30 Yr 15 Yr < $1,000, (0.030) > $1,000, (0.500) (0.290) (0.090) (0.080) Loan Amount 10/1 ARM 5/1 ARM 7/1 ARM (0.940) (0.730) (0.520) (0.440) (0.300) (0.150) < $1,000, (1.290) (1.080) (0.880) (0.750) (0.610) (0.460) > $1,000, (1.650) (1.440) (1.240) (1.020) (0.890) (0.740) ** Max YSP cannot exceed max net rebate above (1.990) (1.790) (1.590) (1.230) (1.090) (0.950) (2.300) (2.110) (1.910) (1.360) (1.230) (1.080) ** A full ALTA is required for all Gold Jumbo products (2.510) (2.310) (2.120) (1.540) (1.400) (1.260) (2.780) (2.580) (2.390) (1.730) (1.590) (1.450) 1 Yr Libor % Gold Program - Jumbo Arm's LOS Plan 553 MORRIS Plan 574 5/1 LIBOR ARM Super Jumbo Margin Caps 2/2/5 LOS Plan 555 MORRIS Plan /1 LIBOR ARM Super Jumbo Margin Caps 2/2/5 LOS Plan 554 MORRIS Plan 576 7/1 LIBOR ARM Super Jumbo Margin Caps 2/2/5 Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day (0.220) (0.120) (0.020) (0.480) (0.380) (0.280) (0.260) (0.120) (0.290) (0.170) (0.040) (0.710) (0.610) (0.510) (0.730) (0.600) (0.460) (0.640) (0.520) (0.390) (0.960) (0.860) (0.760) (1.140) (1.010) (0.870) (0.890) (0.780) (0.650) (1.170) (1.070) (0.970) (1.430) (1.300) (1.160) (1.110) (1.000) (0.880) (1.350) (1.250) (1.150) (1.700) (1.570) (1.430) (1.340) (1.220) (1.100) (1.500) (1.400) (1.300) (1.970) (1.840) (1.700) (1.540) (1.420) (1.300) (1.620) (1.520) (1.420) (2.190) (2.060) (1.920) (1.680) (1.570) (1.450) Gold Program Jumbo LLPAs & LTV/ HCLTV LLPAs for all Loans -- Add to Price / LTV (HCLTV) <= 60% % % % % % (0.125) N/A N/A N/A (0.250) N/A (0.375) (0.125) N/A >=760 (0.500) (0.375) (0.250) Loan Amount & LTV, CLTV (HCLTV) LLPAs for all Loans -- Add to Price No MI Loan Amounts <= 60% % % % % % <= $1,000,000 (0.250) (0.250) (0.125) $1,000,001 - $1,500,000 (0.250) N/A $1,500,001 - $2,000,000 (0.125) N/A N/A $2,000,001 - $2,500, N/A N/A N/A Purpose / Property & LTV, CLTV (HCLTV) LLPAs for all Loans -- Add to Price Purpose / Property <= 60% % % % % % Cash Out N/A N/A NA 2 Unit N/A N/A N/A NA 2nd Home NA Investment N/A N/A N/A Purchase (0.375) (0.375) (0.375) (0.375) (0.375) (0.250) CA State Adj (30 Yr Fixed Term) (0.250) (0.250) (0.250) (0.125) CA State Adj (5/7/10 yr Arm) Loan Amount & LTV, CLTV (HCLTV) LLPAs for all Loans -- Add to Price Product <= 60% % % % % % 5/1 Arm (0.375) 7/1 Arm (0.250) 10/1 Arm Year Fixed (0.500) 30 Year Fixed Escrow LLPAs for all Loans -- Add to Price With Escrows (0.125) Jumbo Locks - Effective with locks after All Jumbo locks must be credit approved prior to lock. All self-employed jumbo loans which need 2015 tax returns to qualify, we will need proof of refund prior to lock. 6 Gold Jumbo Max Net Rebate

7 Gold 90 Program - Jumbo Fixed Rate Mortgages - QM 30 Year Super Jumbo Fixed Rate Max Net Rebate LOS Plan 552 MORRIS Plan 566 Rate 15 Day 30 Day 45 Day Loan Amount 30 Yr (1.000) (0.800) (0.590) < $1,000, (0.590) (0.390) (0.180) > $1,000, (0.200) ** Max YSP cannot exceed max net rebate above ** A full ALTA is required for all Gold Jumbo products ** Loan must be approved Gold 90 Program Jumbo LLPAs & LTV/ HCLTV LLPAs for all Loans -- Add to Price / LTV (HCLTV) No MI No MI NA NA NA NA NA NA (0.250) Loan Amount & LTV, CLTV (HCLTV) LLPAs for all Loans -- Add to Price Loan Amounts <= $1,000, $1,000,001 - $1,500, $1,500,001 - $2,000,000 N/A N/A $2,000,001 - $2,500,000 N/A N/A Purpose / Property & LTV, CLTV (HCLTV) LLPAs for all Loans -- Add to Price Purpose / Property Cash Out NA NA 2 Unit NA NA 3-4 Units NA NA Second Home NA NA Investment NA NA Purchase (0.375) (0.375) Non-War. Condo NA NA Condo-Hotel NA NA CA State Adj Loan Amount & LTV, CLTV (HCLTV) LLPAs for all Loans -- Add to Price Product /1 Arm N/A N/A 7/1 Arm N/A N/A 10/1 Arm N/A N/A 15 Year Fixed N/A N/A 30 Year Fixed Escrow LLPAs for all Loans -- Add to Price With Escrows (0.250) (0.250) 7 Gold Jumbo90

8 Gold Plus Program - Jumbo Fixed Rate Mortgages - Non-QM 30 Year Super Jumbo Fixed Rate Max Net Rebate LOS Plan 551 MORRIS Plan 562 Rate 15 Day 30 Day 45 Day Loan Amount 30 Yr < $1,000, > $1,000, (0.360) (0.150) (0.810) (0.600) (0.390) (1.210) (1.000) (0.790) (1.510) (1.300) (1.090) (1.880) (1.680) (1.480) (2.220) (2.030) (1.830) (2.530) (2.330) (2.140) (2.790) (2.600) (2.400) Gold Program Jumbo LLPAs & LTV/ HCLTV LLPAs for all Loans -- Add to Price ** Max YSP cannot exceed max net rebate above ** A full ALTA is required for all Gold Jumbo products ** DTI up to 50% ** Loan must be approved in order to lock / LTV (HCLTV) <= 60% % % % % (0.125) N/A N/A N/A (0.250) N/A (0.375) (0.125) >=760 (0.500) (0.375) (0.250) Loan Amount & LTV, CLTV (HCLTV) LLPAs for all Loans -- Add to Price Loan Amounts <= 60% % % % % <= $1,000,000 (0.250) (0.250) (0.125) $1,000,001 - $1,500,000 (0.250) N/A $1,500,001 - $2,000,000 (0.125) N/A N/A $2,000,001 - $2,500,000 N/A N/A N/A N/A N/A Purpose / Property & LTV, CLTV (HCLTV) LLPAs for all Loans -- Add to Price Purpose / Property <= 60% % % % % Cash Out N/A N/A 2 Unit N/A N/A N/A 2nd Home N/A N/A Condo High Purchase (0.375) (0.375) (0.375) (0.375) (0.375) CA State Adj Loan Amount & LTV, CLTV (HCLTV) LLPAs for all Loans -- Add to Price Product <= 60% % % % % 5/1 Arm N/A N/A N/A N/A N/A 7/1 Arm N/A N/A N/A N/A N/A 10/1 Arm N/A N/A N/A N/A N/A 15 Year Fixed N/A N/A N/A N/A N/A 30 Year Fixed Escrow LLPAs for all Loans -- Add to Price With Escrows (0.125) 8 Gold Jumbo Plus

9 FHA Program - Conforming & High Balance Fixed Rate First Mortgages * High Balance Loans over $417,000 need to be verified with HUD FHA mtg limits LOS Plan 215 LOS Plan Yr Fixed Gov - Conf. MORRIS Plan 303 MORRIS Plan Yr Fixed Gov - High Bal Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day (1.020) (0.920) (0.820) (1.610) (1.500) (1.400) (0.510) (0.360) (0.260) (2.170) (2.060) (1.970) (1.020) (0.870) (0.770) (2.550) (2.450) (2.350) (0.840) (0.690) (0.590) (3.580) (3.460) (3.350) (2.040) (1.860) (1.740) (4.110) (3.990) (3.880) (2.510) (2.330) (2.210) (4.600) (4.490) (4.370) (2.930) (2.740) (2.630) (4.920) (4.810) (4.690) (2.670) (2.480) (2.370) (5.290) (5.260) (5.120) (3.650) (3.570) (3.430) (5.680) (5.640) (5.500) (3.940) (3.850) (3.720) (5.960) (5.920) (5.790) (4.220) (4.130) (4.000) (4.600) (4.560) (4.430) (3.330) (3.250) (3.120) (5.790) (5.680) (5.530) (2.490) (2.250) (2.100) (5.630) (5.530) (5.380) (2.650) (2.410) (2.260) (5.500) (5.400) (5.250) (2.630) (2.390) (2.240) FHA Streamline Program - Conforming & High Balance Fixed Rate First Mortgages LOS Plan 221 LOS Plan 221 LOS Plan Yr Fixed Gov - Conf. 15 Yr Fixed Gov - Conf. MORRIS Plan 323 MORRIS Plan 324 MORRIS Plan Yr Fixed Gov - High Bal Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day (1.020) (0.920) (0.820) (1.610) (1.500) (1.400) (0.220) (0.110) (0.040) (0.360) (0.210) (0.110) (2.170) (2.060) (1.970) (0.580) (0.470) (0.400) (0.870) (0.720) (0.620) (2.550) (2.450) (2.350) (0.010) (0.690) (0.540) (0.440) (3.580) (3.460) (3.350) (1.990) (1.890) (1.800) (1.890) (1.710) (1.590) (4.110) (3.990) (3.880) (2.320) (2.220) (2.130) (2.360) (2.180) (2.060) (4.600) (4.490) (4.370) (2.580) (2.480) (2.390) (2.780) (2.590) (2.480) (4.920) (4.810) (4.690) (2.940) (2.840) (2.750) (2.520) (2.330) (2.220) (5.290) (5.260) (5.120) (3.190) (3.150) (3.040) (3.500) (3.420) (3.280) (5.680) (5.640) (5.500) (3.400) (3.350) (3.250) (3.790) (3.700) (3.570) (5.960) (5.920) (5.790) (3.520) (3.470) (3.370) (4.070) (3.980) (3.850) (4.600) (4.560) (4.430) (3.180) (3.100) (2.970) (5.790) (5.680) (5.530) (2.340) (2.100) (1.950) (5.630) (5.530) (5.380) (2.500) (2.260) (2.110) (5.500) (5.400) (5.250) (2.480) (2.240) (2.090) FHA LLPAs - Applys to all FHA programs - Add to Price OTHER FHA Price Adjustments - Add to Price Purchase Loan Refi Loan (Non Streamline) FHA Streamline Refi 0-115% LTV FHA Streamline Refi % LTV All Loans FHA Single Family Mortgage Insurance Premiums - Upfront and Annual MIP Terms > 15 Years Term <= 15 Years MIP - Upfront & Annual - Effective MIP - Upfront & Annual - Effective Base Loan Amount LTV Annual MIP Upfront MIP Base Loan Amount LTV Annual MIP < $625,500 < 95% < $625,500 < 95% 0.45 < $625,500 > 95% < $625,500 > 95% 0.70 > $625,500 < 95% > $625,500 < 95% 0.70 > $625,500 > 95% > $625,500 > 95% 0.95 Upfront MIP FHA rate

10 Wholesale Portfolio Ratesheet 5/1 Libor Portfolio ARM (Fully Amortized Only) 1 YR LIBOR % PORTFOLIO PROGRAM PRICING: Primary and Second Home Residences LOS Plan 406 MORRIS Plan 403 Purpose Loan Price Note Rate Margin Caps 406/403 R&T/CO 5/1ARM % 2.875% 5%/2%/5% 406/403 R&T/CO 5/1ARM (1.000) 3.625% 2.875% 5%/2%/5% 406/403 R&T/CO 5/1ARM (1.250) 3.750% 2.875% 5%/2%/5% 406/403 R&T/CO 5/1ARM (1.500) 3.875% 2.875% 5%/2%/5% LOS Plan 406 MORRIS Plan 403 Purpose Loan Price Note Rate Margin Caps Prepay Lock Term 406/403 R&T/CO 5/1ARM % 3.250% 5%/2%/5% NONE 45 Days 406/403 R&T/CO 5/1ARM (1.000) 3.875% 3.250% 5%/2%/5% NONE 45 Days 406/403 R&T/CO 5/1ARM (1.250) 4.000% 3.250% 5%/2%/5% NONE 45 Days 406/403 R&T/CO 5/1ARM (1.500) 4.125% 3.250% 5%/2%/5% NONE 45 Days Rate Adjustments are not Final until the file has received Final Approval by our Loan Committee and cleared for docs LOAN LEVEL PRICING ADJUSTMENTS: LLPA's Program Exceptions below are considered RATE ADJUSTMENTS : Add to Rate Exceptions need approval prior to lock/submission (contact your AE) All Adjustments are independent of each other RATE ADJUSTMENTS : Add to Rate All Adjustments are independent of each other Purchase Special (a) Non- Warrantable Condo (b) Condo Adjustment Unit Property Cash Out > $100,000 - $250, Asset Depletion Cash Out > $250,000 - $500, Alternative Income >75%- 80% LTV Alternative Credit Program > > 10 financed properties (c) Short Sale 2-4 years seasoning Short Sale >4 years seasoning DTI >43% - 45% Cash Out > $500, DTI >45% - 48% BK > 4 years financed properties (c) Seasoned Foreclosure > 7 years File Complexity (d) (a) Purchase Specials Not Applicable for: Major Derogatory Credit and Outside Footprint Interest Only (b) Non-Warrantable Condo adjustment is in addition to standard condo adjustment if applicable. NOO Non-Warrantable Condos are not allowed (c) > 4 financed property adjustments do not apply if subject property is a primary residence (d) File Complexity: 2 or more of following -Irrevocable Trust, >10 Fin Props, Leaseholds, 3 or more Biz Tax Returns, New Condo Proj. w/full Legal Review - DTI to 48% for fully Amortizing - DTI to 43% for I/O (Please consult your AE for qualifying purposes) PORTFOLIO PROGRAM PRICING: Investment Property Residences Prepay NONE NONE NONE NONE 10/5/2017 Lock Term 45 Days 45 Days 45 Days 45 Days Loan Amount and LTV Limitations Fully Amortizing and Interest Only Occupancy LTV CLTV 80% 80% $100,000 to < $1,000,000 Primary 75% 75% $1,000,001 to < $1,500,000 65% 70% $1,500,001 to < $2,500,000 Primary Purchase 70% 70% $1,500,001 to < $2,500,000 Second Home 80% 80% $100,000 to < $1,000,000 Loan Amount Investment Property - Fully Amortizing Investment Property - Interest Only Investment Property & Second Home > 4 financed 70% 70% 65% 65% 65% 65% $100,000 to < $1,000,000 $100,000 to < $1,000,000 $100,000 to < $1,000,000 RATE LOCK AND SUBMISSION REQUIREMENTS Loans that fit guidelines and are < $1M are lock eligible upon receipt of file submission. Loans > $1M or loans that require a guideline exception must have an 'Approval to Process' to be lock eligible. ** Rate Lock Term is 45 Days - File delivery within 5 business days or Lock Subject to Cancellation. ** To receive an 'Approval to Process', send your Account Executive your scenario. Accuracy is Critical. BE SURE to indicate retirement accounts. Loss Payee: Fremont Bank, Its' Successors and/or Assigns. PO Box 7295, Fremont, CA 94536

11 LOS Plan 407 MORRIS Plan 408 Wholesale Portfolio Ratesheet 10/5/2017 7/1 Libor Portfolio ARM (Fully Amortized Only) 1 YR LIBOR % PORTFOLIO PROGRAM PRICING: Primary and Second Home Residences Purpose Loan Price Note Rate Margin Caps Prepay Lock Term 407/408 R&T/CO 7/1ARM % 2.875% 5%/2%/5% NONE 45 Days 407/408 R&T/CO 7/1ARM (1.000) 3.875% 2.875% 5%/2%/5% NONE 45 Days 407/408 R&T/CO 7/1ARM (1.125) 4.000% 2.875% 5%/2%/5% NONE 45 Days 407/408 R&T/CO 7/1ARM (1.250) 4.125% 2.875% 5%/2%/5% NONE 45 Days LOS Plan 407 MORRIS Plan 408 PORTFOLIO PROGRAM PRICING: Investment Property Residences Purpose Loan Price Note Rate Margin Caps Prepay Lock Term 407/408 R&T/CO 7/1ARM % 3.250% 5%/2%/5% NONE 45 Days 407/408 R&T/CO 7/1ARM (1.000) 4.125% 3.250% 5%/2%/5% NONE 45 Days 407/408 R&T/CO 7/1ARM (1.125) 4.250% 3.250% 5%/2%/5% NONE 45 Days 407/408 R&T/CO 7/1ARM (1.250) 4.375% 3.250% 5%/2%/5% NONE 45 Days Rate Adjustments are not Final until the file has received Final Approval by our Loan Committee and cleared for docs LOAN LEVEL PRICING ADJUSTMENTS: LLPA's Program Exceptions below are considered RATE ADJUSTMENTS : Add to Rate Exceptions need approval prior to lock/submission (contact your AE) All Adjustments are independent of each other RATE ADJUSTMENTS : Add to Rate All Adjustments are independent of each other Purchase Special (a) Non- Warrantable Condo (b) Condo Adjustment Unit Property Cash Out > $100,000 - $250, Asset Depletion Cash Out > $250,000 - $500, Alternative Income >75%- 80% LTV Alternative Credit Program > > 10 financed properties (c) Short Sale 2-4 years seasoning Short Sale >4 years seasoning DTI >43% - 45% Cash Out > $500, DTI >45% - 48% BK > 4 years financed properties (c) Seasoned Foreclosure > 7 years File Complexity (d) (a) Purchase Specials Not Applicable for: Major Derogatory Credit and Outside Footprint Interest Only (b) Non-Warrantable Condo adjustment is in addition to standard condo adjustment if applicable. NOO Non-Warrantable Condos are not allowed (c) > 4 financed property adjustments do not apply if subject property is a primary residence (d) File Complexity: 2 or more of following -Irrevocable Trust, >10 Fin Props, Leaseholds, 3 or more Biz Tax Returns, New Condo Proj. w/full Legal Review - DTI to 48% for fully Amortizing - DTI to 43% for I/O (Please consult your AE for qualifying purposes) Loan Amount and LTV Limitations Fully Amortizing and Interest ONLY Occupancy LTV CLTV Loan Amount Primary 80% 80% 75% 75% 65% 70% Primary Purchase 70% 70% $1,500,001 to < $2,500,000 Second Home 80% 80% $100,000 to < $1,000,000 Investment Property - Fully Amortizing 70% 70% $100,000 to < $1,000,000 Investment Property - Interest Only 65% 65% $100,000 to < $1,000,000 Investment Property & Second Home > 4 financed 65% 65% $100,000 to < $1,000,000 $1,000,001 to < $1,500,000 $1,500,001 to < $2,500,000 $100,000 to < $1,000,000 RATE LOCK AND SUBMISSION REQUIREMENTS Loans that fit guidelines and are < $1M are lock eligible upon receipt of file submission. Loans > $1M or loans that require a guideline exception must have an 'Approval to Process' to be lock eligible. ** Rate Lock Term is 45 Days - File delivery within 5 business days or Lock Subject to Cancellation. ** To receive an 'Approval to Process', send your Account Executive your scenario. Accuracy is Critical. BE SURE to indicate retirement accounts. MISC. Loss Payee: Fremont Bank, Its' Successors and/or Assigns. PO Box 7295, Fremont, CA 94536

12 Home Equity Line of Credit - Prime Combo Rates & Terms Primary Second Home Investment Base Start Rate % 5.500% 6.750% Index WSJ Prime Rate is 4.25% as of Thursday, October 05, 2017 Base Margin % % % HCLTV > 75% to < 80% HCLTV > 80% to < 85% HCLTV > 85% to < 89.99% Margin Adjustment % % % Floor Rate 2.990% 2.990% 4.990% Additional Margin Adjustments (Cumulative to Net Margin Adj) Condo % 2-4 Unit Property % Other Terms Life Cap 18% Amortization Adjustable Rate Term 25-years (10-year draw period then15-year repayment) Minimum Payment Interest Only during 10-year draw period and fully amortizing payments during 15-year repayment period Annual Fee $75.00 (Promo: Waived for first 3 Years - expires December 31, 2017) Set Up Charge $95.00 (Promo: Waived Set up fee - expires December 31, 2017) Early Closure Fee $ for all HELOCs with line amounts $25,000 voluntarily terminated in the first 3 years 1 Base Start Rate includes index + margin. For total rate add all applicable margin adjustments to the base start rate. Eligible Counties Northern CA Footprint (limited to the following counties) Southern CA Footprint (limited to the following counties) Alameda, Contra Costa, Marin, Monterey, Napa, Santa Clara, Santa Cruz, San Francisco, San Mateo, Sonoma Los Angeles, Orange, San Diego, San Luis Obispo, Santa Barbara, and Ventura See guidelines for details HelocGuide 12 HELOC

13 Home Equity Line of Credit Combo Rates & Terms Primary Second Home Investment Base Start Rate % 5.500% 6.750% Index WSJ Prime Rate is 4.25% as of Thursday, October 05, 2017 Base Margin % % % HCLTV > 75% to < 80% HCLTV > 80% to < 85% HCLTV > 85% to < 89.99% Margin Adjustment % % % Floor Rate 2.990% 2.990% 4.990% Additional Margin Adjustments (Cumulative to Net Margin Adj) Condo % 2-4 Unit Property % Other Terms Life Cap 18% Amortization Adjustable Rate Term 30-years (10-year draw period then 20-year repayment) Minimum Payment Draw Period: Principal over 30-year or remaining term plus periodic finance charges. Repayment Period: Principal over 20-year or remaining term plus periodic finance charges Annual Fee $75.00 (Promo: Waived for first 3 Years - expires December 31, 2017) Set Up Charge $95.00 (Promo: Waived Set up fee - expires December 31, 2017) Early Closure Fee $ for all HELOCs with line amounts $25,000 voluntarily terminated in the first 3 years 1 Base Start Rate includes index + margin. For total rate add all applicable margin adjustments to the base start rate. Eligible Counties Northern CA Footprint (limited to the following counties) Southern CA Footprint (limited to the following counties) Alameda, Contra Costa, Marin, Monterey, Napa, Santa Clara, Santa Cruz, San Francisco, San Mateo, Sonoma Los Angeles, Orange, San Diego, San Luis Obispo, Santa Barbara, and Ventura See guidelines for details Heloc360Guide 13 HELOC 360

14 WHOLESALE SALES TEAMS NORTHERN CALIFORNIA Name Contact # Address Region Mark Panella Mark.Panella@fremontbank.com Sales Manager: Northern- Cal ACCOUNT EXECUTIVES Name Contact # Address Account Exec. Region Mark Levitch mark.levitch@fremontbank.com Contra Costa/Alameda Co. Royal Gooden royal.gooden@fremontbank.com East Bay Joe Melo joe.melo@fremontbank.com South Bay/Peninsula/Central Coast Ken Owens ken.owens@fremontbank.com South Bay Mike Cook mike.cook@fremontbank.com Sacramento Arnie Abramo arnie.abramo@fremontbank.com San Francisco/North Bay SOUTHERN CALIFORNIA Name Contact # Address Region Scott Borst scott.borst@fremontbank.com Sales Manager: Southern- Cal SALES SUPPORT Name Contact # Address Region Scott Parrott Scott.Parrott@fremontbank.com Southern California ACCOUNT EXECUTIVES Name Contact # Address Account Exec. Region Kris Varia Kris.varia@fremontbank.com Orange County Scott McCarthy Scott.McCarthy@fremontbank.com San Diego Jillian Polce Jillian.polce@fremontbank.com San Diego Howard Goldman Howard.Goldman@fremontbank.com Orange County/Los Angeles John Chang john.chang@fremontbank.com San Gabriel, South LA/North Orange Lisa Kocsis lisa.kocsis@fremontbank.com Orange County, LA Bonnie Kalem bonnie.kalem@fremontbank.com LA, Ventura & Santa Barbara Abdul Aref abdul.aref@fremontbank.com Los Angeles/Orange County Celia Margison Celia.Margison@fremontbank.com Los Angeles, Ventura George Caramihai George.Caramihai@fremontbank.com San Fernando Valley/Los Angeles Nafice Amini nafice.amini@fremontbank.com Orange County, San Bernadino/Riverside 14 contact info