Wholesale Rate Sheet

Transcription

1 Wholesale Rate Sheet Rates as of Announcements Rate Sheet Index Announcement #1- FNMA (GOLD) DU Version 9.3 update FNMA (Gold) Pg. 2 For applications beginning December 14th and DU 9.3 or greater, Fremont Bank will go FNMA (Gold) LLPA's Pg. 3 up to 80% on Cash Out for FNMA (GOLD) High Balance; 95% on Refinance and Purchase. FHLMC (Standard) Pg. 4 Also with DU 9.3 or greater, Non-Occupant borrower income and liabilities will FHLMC (Standard) LLPA's Pg. 5 now be considered on principal residence LPMI Adjustments Pg. 6 Announcement # 2- FHLMC (Standard) HB Non-Owners Platinum Jumbo Fixed Pg. 7 Fremont Bank is pleased to allow FHLMC (Standard) High Balance Non-Owners Gold Jumbo Fixed & ARM's Pg. 8 Gold Jumbo Plus Fixed - Non-QM Pg. 9 Announcement # 3- FHA Pg. 10 Effective November 1st, the purchase special will be reduced to 25 basis points. Jumbo Portfolio 5/1 Arm Pg. 11 In order to qualify for the purchase special, the loan must be submitted through Jumbo Portfolio 7/1 Arm Pg. 12 the MORRIS Portal. Home Equity Line of Credit Pg. 13 Purchase discount special details: AE Contact Info Pg The purchase discount special will be in place effective Nov 1st until December 31st! - Agency Conforming Fixed Rate and High Balance Fixed Rate loans are eligible - Only new locks are eligible (relocks not allowed) - The 25 bps discount is excluded from Rate Renegotiation and Rate Relock calculations Announcement # 4- Fremont Bank is pleased to launch another Jumbo product, Platinum Jumbo. Please see page 7 of the rate sheet for more details!!! Lock Extension Fees & Notes: Minimum Loan amount $125,000 for all terms and products Submissions Desk: submissions@fremontbank.com Locks Desk: locks@fremontbank.com 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. Same Day Submission cutoff time is 2:00PM PST. All Jumbo extensions: 5 days ; 10 days ; 15 days ; 20 days +0.40; 30 days (MAX) 0.60 Signed Documents sent back to Livermore Loan Center Platinum Jumbo extension: Submit lock form to locks@fremontbank.com before 3:00PM PT on day of expiration. 2580B Shea Center Drive, Livermore, CA Gold Jumbo extension: Submit lock form to locks@fremontbank.com before 4:00PM PT on day of expiration. No relocks allowed on any JUMBO program.platinum cutoff time; Gold Jumbo cutoff time 4:00PM for new locks Cutoff time for new Jumbo locks: Platinum 3:00PM PT; Gold Jumbo 4:00PM PT Lender Origination fees for LE: Delivery Fee $ 25, Document All FHA extensions: 0.02/day - 30 day max. Preparation Fee $ 125, Underwriting Fee $ 800 = $ 950 All FHA relocks: 36bps/ 15days; 66bps/ 30days - 30 day max. FHA Origination Fees for LE: Delivery Fee $ 25, Document Jumbo Port 5/1 & 7/1 program 406/407 Lock Eligibility: Preparation Fee $ 50, Underwriting Fee $ 395 = $ 470 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 FNMA - Gold Only (Niche) Scenarios: Loss Payee Clause: CPL: Fremont Bank * Using 2nd job job < 2 Yrs but > 1 Yr Fremont Bank Fremont Blvd. * > 6 financed properties when subject is investment or 2nd home ISAOA Fremont, CA * C5 appraisal condition rating P.O. Box 7295 Fremont, CA FHLMC - Standard Only (Niche) Scenarios: See lock policy for relock, advanced lock, & changing program details. * Unpermitted Accessory Unit For rate lock policy click on: Lock Policy * DTI > 45% + LP Approval For underwriting guidelines click on: Guidelines * Debt to be paid off to qualify that cannot be closed Pricing subject to change without notice - NO OFF SHEET PRICING * 2 4 Unit properties with LTVs from 75.01% 80% 1 Announcements

2 FNMA (GOLD): Conforming & High Balance Fixed Rate First Mortgages - DU only underwriting Plan Year Fixed Rate Conf Plan Year Fixed Rate Conf 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 (0.147) (0.095) (0.975) (0.805) (0.685) (0.880) (0.710) (0.590) (0.308) (0.168) (0.078) (1.604) (1.434) (1.314) (1.562) (1.392) (1.272) (0.959) (0.809) (0.719) (2.384) (2.214) (2.094) (2.247) (2.077) (1.957) (1.494) (1.354) (1.264) (2.524) (2.354) (2.234) (2.800) (2.630) (2.510) (1.990) (1.840) (1.750) (3.244) (3.074) (2.954) (3.332) (3.162) (3.042) (2.607) (2.457) (2.367) (3.924) (3.754) (3.634) (3.940) (3.780) (3.660) (3.134) (2.984) (2.894) (4.464) (4.294) (4.174) (4.508) (4.338) (4.218) (3.574) (3.424) (3.334) (4.913) (4.743) (4.633) (5.098) (4.928) (4.808) (3.961) (3.821) (3.721) (5.598) (5.438) (5.318) (5.703) (5.533) (5.413) (4.111) (3.971) (3.881) (6.279) (6.109) (5.989) (6.334) (6.164) (6.044) (4.576) (4.436) (4.346) Plan Year High Balance Fixed Rate Plan Year High Balance Fixed Rate 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 (0.096) (0.495) (0.345) (0.255) (0.140) (0.337) (0.197) (0.097) (0.989) (0.849) (0.749) (0.809) (0.639) (0.519) (0.623) (0.483) (0.383) (1.534) (1.394) (1.304) (0.949) (0.779) (0.659) (0.720) (0.570) (0.480) (1.987) (1.847) (1.747) (1.590) (1.420) (1.310) (1.297) (1.157) (1.057) (2.391) (2.241) (2.151) (2.189) (2.029) (1.909) (1.697) (1.547) (1.457) (2.910) (2.770) (2.670) (2.669) (2.499) (2.379) (1.914) (1.774) (1.674) (3.377) (3.237) (3.137) (2.928) (2.758) (2.638) (1.974) (1.834) (1.744) (3.750) (3.600) (3.510) (3.363) (3.193) (3.073) (2.449) (2.309) (2.219) (4.069) (3.919) (3.829) (3.954) (3.794) (3.674) #N/A #N/A #N/A (4.262) (4.122) (4.022) 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 Purchase Special FRM High LTV Investment Property N/A N/A > 4 Financed Properties (a) 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 Subordinate Financing scores LTV CLTV < 720 >= 720 < 65% % % % % % % % < 95% % Other LTV/CLTV hits are cumulative 3 (FNMA) Gold New LLPA

4 FHLMC (Standard): Conforming & High Balance Fixed First Mortgages - LP Only Plan Year Fixed Rate Conf Plan Year Fixed Rate Conf Plan 101 Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day (0.287) (0.137) (0.027) (0.195) (1.115) (0.955) (0.845) (1.050) (0.850) (0.730) (0.398) (0.268) (0.148) (1.744) (1.584) (1.474) (1.742) (1.542) (1.422) (1.049) (0.909) (0.789) (2.524) (2.364) (2.244) (2.437) (2.227) (2.107) (1.594) (1.454) (1.334) (2.664) (2.504) (2.384) (2.980) (2.780) (2.660) (2.080) (1.940) (1.820) (3.384) (3.224) (3.104) (3.452) (3.242) (3.112) (2.707) (2.557) (2.437) (4.064) (3.904) (3.774) (4.140) (3.930) (3.800) (3.204) (3.054) (2.934) (4.604) (4.444) (4.324) (4.688) (4.488) (4.348) (3.664) (3.514) (3.384) (5.023) (4.893) (4.763) (5.208) (4.998) (4.868) (4.081) (3.921) (3.801) (5.718) (5.588) (5.458) (5.873) (5.683) (5.543) (4.221) (4.071) (3.941) (6.399) (6.259) (6.129) (6.504) (6.314) (6.174) (4.526) (4.366) (4.276) Plan Year High Balance Fixed Rate Plan Year High Balance Fixed Rate Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day (0.137) (0.609) (0.439) (0.319) (0.423) (0.283) (0.183) (0.749) (0.579) (0.459) (0.520) (0.370) (0.280) (1.390) (1.220) (1.110) (1.097) (0.957) (0.857) (1.989) (1.829) (1.709) (1.497) (1.347) (1.257) (2.469) (2.299) (2.179) (1.714) (1.574) (1.474) (2.728) (2.558) (2.438) (1.774) (1.634) (1.544) (3.163) (2.993) (2.873) (2.249) (2.109) (2.019) (3.754) (3.594) (3.474) #N/A #N/A #N/A FHLMC (Standard): Conforming & High Balance ARM's - LP Only 15 Year Fixed Rate Conf 3/1 LIBOR ARM Conf 5/1 LIBOR ARM Conf 7/1 LIBOR ARM Conf Plan 113 Plan 114 Plan 111 Plan 112 Margin Caps 2/2/6 Margin Caps 2/2/5 Margin Caps 5/2/5 10/1 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 Rate 15 Day 30 Day 45 Day (0.160) (0.035) (0.560) (0.435) (0.310) (0.130) (0.005) (1.010) (0.885) (0.760) (0.610) (0.485) (0.360) (0.310) (0.185) (0.060) (1.340) (1.215) (1.090) (1.210) (1.085) (0.960) (0.730) (0.605) (0.480) (0.260) (0.135) (0.010) (1.750) (1.625) (1.500) (1.540) (1.415) (1.290) (1.260) (1.135) (1.010) (0.590) (0.465) (0.340) (1.990) (1.865) (1.740) (1.970) (1.845) (1.720) (1.570) (1.445) (1.320) (1.000) (0.875) (0.750) (2.300) (2.175) (2.050) (2.190) (2.065) (1.940) (1.990) (1.865) (1.740) (1.240) (1.115) (0.990) (2.450) (2.325) (2.200) (2.440) (2.315) (2.190) (2.190) (2.065) (1.940) (1.550) (1.425) (1.300) (2.590) (2.465) (2.340) (2.620) (2.495) (2.370) (2.440) (2.315) (2.190) (1.700) (1.575) (1.450) (2.750) (2.625) (2.500) (2.840) (2.715) (2.590) (2.600) (2.475) (2.350) (1.840) (1.715) (1.590) (2.910) (2.785) (2.660) (3.000) (2.875) (2.750) (2.750) (2.625) (2.500) Plan 265 5/1 LIBOR ARM HB Margin 7/1 LIBOR ARM HB 10/1 LIBOR ARM HB Plan 262 Plan Caps 2/2/5 Margin Caps 5/2/5 Margin Caps 5/2/5 1 Yr Libor % Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day (0.200) (0.075) (0.340) (0.215) (0.090) (0.540) (0.415) (0.290) (0.750) (0.625) (0.500) (0.970) (0.845) (0.720) (0.260) (0.135) (0.010) (0.990) (0.865) (0.740) (1.190) (1.065) (0.940) (0.570) (0.445) (0.320) (1.300) (1.175) (1.050) (1.440) (1.315) (1.190) (0.990) (0.865) (0.740) (1.450) (1.325) (1.200) (1.630) (1.505) (1.380) (1.190) (1.065) (0.940) (1.590) (1.465) (1.340) (1.840) (1.715) (1.590) (1.440) (1.315) (1.190) (1.750) (1.625) (1.500) (2.000) (1.875) (1.750) (1.600) (1.475) (1.350) (1.910) (1.785) (1.660) (2.160) (2.035) (1.910) (1.750) (1.625) (1.500) 4 (FHLMC) Standard

5 FHLMC (Standard): Conforming & High Balance LLPA's - LP Only FHLMC (Standard) Reminder: 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 Purchase Special FRM ARM Condo Investment Property N/A N/A > 4 Financed Prop (a) Unit Unit (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 N/A High Balance FRM CashOut N/A N/A N/A N/A High Balance FRM Purchase N/A High Balance ARM Refi N/A High Balance ARM CashOut N/A N/A N/A N/A High Balance ARM Purchase N/A Mortgages with Subordinate Financing -- Add to Price LTV TLTV < 720 >= 720 < 75.00% < 80.00% < 65.00% % % % % % Other LTV/TLTV hits are cumulative scores 5 (FHLMC) Standard New llpa's

6 LPMI Single Premium Adjustments Applications with LPMI will be subject to the below adjustments effective on or after September 2nd, 2014 Fixed & ARM's > 5 Years Base LTV Term Coverage % > 20 Yrs 30% 1.95% 2.15% 2.23% 3.29% 4.93% 5.12% 5.79% < 20 Yrs 25% 1.50% 1.65% 2.06% 2.94% 4.18% 4.35% 4.91% % 85% & Under 3/1 ARM ONLY > 20 Yrs 25% 1.37% 1.37% 1.60% 2.17% 3.28% 3.53% 4.08% < 20 Yrs 12% 1.10% 1.10% 1.37% 1.54% 1.81% 1.93% 2.20% > 20 Yrs 12% 0.95% 0.99% 1.12% 1.33% 1.54% 1.73% 1.97% < 20 Yrs 6% 0.85% 0.88% 1.05% 1.19% 1.48% 1.52% 1.56% Base LTV Term Coverage % > 20 Yrs 30% 2.43% 2.68% 2.89% 4.27% 6.13% 6.36% 7.20% < 20 Yrs 25% % 85% & Under Premium Adjustments Product Feature > 20 Yrs 25% 1.71% 1.71% 2.12% 2.87% 4.06% 4.37% 5.05% < 20 Yrs 12% > 20 Yrs 12% 1.19% 1.24% 1.33% 1.58% 1.93% 2.17% 2.47% < 20 Yrs 6% Rate/Term Refinance 0.00% 0.00% 0.00% 0.53% 1.05% 1.05% 1.05% Cash Out 0.50% 0.50% 0.70% 1.00% 1.30% 1.30% 1.30% Second Home 0.25% 0.25% 0.49% 0.70% 1.23% 1.23% 1.23% Loan Amounts > $417, % 0.40% 0.88% 1.40% 2.10% 2.10% 2.10% 25 Year Amortization -0.18% -0.18% -0.18% -0.28% -0.39% -0.39% -0.39% Investment Property 1.19% 1.19% 1.33% 1.75% 2.63% 2.63% 2.63% Plans Affected: Plan Plan Description 670 (FNMA) Gold Conforming Fixed 671 (FNMA) Gold High Balance Fixed 101 (FHLMC) Standard Conforming Fixed 260 (FHLMC) Standard High Balance Fixed 113 (FHLMC) Standard 3/1 LIBOR Conforming ARM 114 (FHLMC) Standard 5/1 LIBOR Conforming ARM 111 (FHLMC) Standard 7/1 LIBOR Conforming ARM 112 (FHLMC) Standard 10/1 LIBOR Conforming ARM 265 (FHLMC) Standard 5/1 LIBOR High Balance ARM 262 (FHLMC) Standard 7/1 LIBOR High Balance ARM 263 (FHLMC) Standard 10/1 LIBOR High Balance ARM 6 LPMI

7 Platinum Program - Jumbo Fixed Rate Mortgages Plan Year Jumbo Fixed Rate Plan Year Jumbo High LTV Fixed Rate Max Net Rebate Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day 30 Yr Jumbo Fixed Rate Yr Jumbo High LTV Fixed Rate ** Max YSP cannot exceed max net rebate (0.470) (0.300) (0.130) (0.720) (0.540) (0.370) (0.970) (0.790) (0.610) (1.220) (1.030) (0.840) above (1.470) (1.280) (1.080) Cutoff time for new locks and extensions (0.220) (0.060) (1.720) (1.520) (1.320) for Platinum Program is 3:00PM PT (0.860) (0.690) (0.530) (1.970) (1.760) (1.560) See page 1 for extension fees (1.380) (1.200) (1.030) (2.220) (2.010) (1.800) (1.870) (1.690) (1.520) (2.470) (2.250) (2.040) Advance lock not eligible for this program!!! (2.250) (2.070) (1.890) (2.720) (2.500) (2.280) (2.470) (2.280) (2.090) (2.970) (2.740) (2.510) (2.630) (2.430) (2.240) (2.870) (2.670) (2.470) 30 Yr Jumbo Fixed LLPAs 30 Yr Jumbo High LTV Fixed LLPAs LTV/ Level Price Adjustments * LTV/ Level Price Adjustments * <=625k <= <=625k n/a n/a n/a n/a n/a n/a n/a n/a <=1.0MM <= <=1.0MM n/a n/a n/a n/a n/a n/a n/a n/a <=1.5MM <= <=1.5MM n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a <=2.0MM <= Other Adjustments State CA Prop Type n/a 2 Units n/a n/a n/a n/a n/a n/a n/a 3-4 Units n/a n/a <=2.5MM <= Condo n/a Occupancy n/a 2nd Home n/a Non-Owner n/a n/a n/a n/a Purpose n/a n/a n/a n/a n/a Purchase <=3.0MM <= Escrow LLPAs for all Loans -- Add to Price n/a n/a n/a With Escrows n/a n/a n/a *LTV refers to the highest of LTV, CLTV, and HCLTV n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a Other Adjustments State <= CA Prop Type <= Units n/a n/a n/a 3-4 Units n/a n/a n/a Condo Occupancy <= nd Home Non-Owner n/a n/a n/a Purpose <= Purchase Cashout n/a n/a Escrow LLPAs for all Loans -- Add to Price With Escrows *LTV refers to the highest of LTV, CLTV, and HCLTV. 7 Platinum Jumbo

8 Gold Program - Jumbo Fixed Rate Mortgages Plan Year Super Jumbo Fixed Rate 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, > $1,000, Loan Amount 10/1 ARM 5/1 ARM 7/1 ARM (0.520) (0.310) (0.110) (0.250) (0.110) < $1,000, (1.040) (0.830) (0.620) (0.580) (0.440) (0.290) > $1,000, (1.460) (1.250) (1.050) (0.850) (0.720) (0.580) ** Max YSP cannot exceed max net rebate above (1.880) (1.670) (1.470) (1.070) (0.940) (0.800) (2.280) (2.080) (1.880) (1.230) (1.090) (0.950) ** A full ALTA is required for all Gold Jumbo products (2.660) (2.470) (2.270) (1.380) (1.250) (1.100) (2.880) (2.680) (2.490) (1.580) (1.440) (1.300) 1 Yr Libor % Gold Program - Jumbo Arm's 5/1 LIBOR ARM Super Jumbo 10/1 LIBOR ARM Super Jumbo Plan 553 Plan 555 Plan 554 Margin Caps 2/2/5 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 (0.120) (0.020) (0.370) (0.270) (0.170) (0.380) (0.250) (0.100) (0.260) (0.140) (0.010) (0.610) (0.510) (0.410) (0.840) (0.700) (0.560) (0.590) (0.470) (0.350) (0.850) (0.750) (0.650) (1.190) (1.060) (0.920) (0.830) (0.710) (0.590) (1.070) (0.970) (0.870) (1.470) (1.340) (1.200) (1.050) (0.940) (0.820) (1.250) (1.150) (1.050) (1.740) (1.610) (1.470) (1.280) (1.160) (1.040) (1.400) (1.300) (1.200) (1.990) (1.860) (1.720) (1.480) (1.360) (1.240) (1.520) (1.420) (1.320) (2.190) (2.060) (1.920) (1.610) (1.490) (1.370) Gold Program Jumbo LLPAs & LTV/ HCLTV LLPAs for all Loans -- Add to Price No MI / 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 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 N/A NA Investment N/A 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) 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 N/A Escrow LLPAs for all Loans -- Add to Price With Escrows (0.125) Max Net Rebate 7/1 LIBOR ARM Super Jumbo Margin Caps 2/2/5 8 Gold Jumbo

9 Gold Plus Program - Jumbo Fixed Rate Mortgages - Non-QM Plan Year Super Jumbo Fixed Rate Max Net Rebate Rate 15 Day 30 Day 45 Day Loan Amount 30 Yr < $1,000, > $1,000, (0.410) (0.200) (0.900) (0.690) (0.480) (1.320) (1.110) (0.910) (1.710) (1.500) (1.290) (1.980) (1.780) (1.580) (2.290) (2.100) (1.900) (2.550) (2.350) (2.160) 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) 9 Gold Jumbo Plus

10 FHA Program - Conforming & High Balance Fixed Rate First Mortgages * High Balance Loans over $417,000 need to be verified with HUD FHA mtg limits Plan Yr Fixed Gov - Conf. Plan Yr Fixed Gov - High Bal Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day (0.820) (0.660) (0.420) (1.460) (1.300) (1.060) (0.060) (2.080) (1.930) (1.680) (0.600) (0.450) (0.200) (2.670) (2.510) (2.270) (1.100) (0.940) (0.700) (3.820) (3.650) (3.520) (2.090) (1.910) (1.780) (4.230) (4.060) (3.930) (2.330) (2.160) (2.030) (4.730) (4.560) (4.430) (2.640) (2.460) (2.330) (5.100) (4.930) (4.800) (2.810) (2.640) (2.510) (5.610) (5.410) (5.350) (3.230) (3.040) (2.980) (5.850) (5.660) (5.600) (3.360) (3.160) (3.100) (6.110) (5.920) (5.860) (3.560) (3.370) (3.310) (6.200) (6.000) (5.940) (3.710) (3.520) (3.460) (6.380) (6.170) (6.120) (1.050) (0.840) (0.790) (6.440) (6.230) (6.180) (1.190) (0.980) (0.930) (6.570) (6.360) (6.310) (1.260) (1.050) (1.000) FHA Streamline Program - Conforming & High Balance Fixed Rate First Mortgages Plan Yr Fixed Gov - Conf. Plan Yr Fixed Gov - Conf. 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 (0.820) (0.660) (0.420) (0.890) (0.790) (0.670) (1.460) (1.300) (1.060) (1.410) (1.310) (1.190) (0.060) (2.080) (1.930) (1.680) (1.920) (1.810) (1.690) (0.600) (0.450) (0.200) (2.670) (2.510) (2.270) (2.400) (2.290) (2.170) (1.100) (0.940) (0.700) (3.820) (3.650) (3.520) (3.220) (3.100) (2.890) (2.090) (1.910) (1.780) (4.230) (4.060) (3.930) (3.680) (3.560) (3.350) (2.330) (2.160) (2.030) (4.730) (4.560) (4.430) (4.100) (3.980) (3.770) (2.640) (2.460) (2.330) (5.100) (4.930) (4.800) (4.460) (4.330) (4.130) (2.810) (2.640) (2.510) (5.610) (5.410) (5.350) (4.130) (3.990) (3.950) (3.230) (3.040) (2.980) (5.850) (5.660) (5.600) (4.400) (4.260) (4.220) (3.360) (3.160) (3.100) (6.110) (5.920) (5.860) (4.530) (4.380) (4.340) (3.560) (3.370) (3.310) (6.200) (6.000) (5.940) (3.710) (3.520) (3.460) (6.380) (6.170) (6.120) (1.050) (0.840) (0.790) (6.440) (6.230) (6.180) (1.190) (0.980) (0.930) (6.570) (6.360) (6.310) (1.260) (1.050) (1.000) 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 Upfront MIP < $625,500 < 95% < $625,500 < 95% < $625,500 > 95% < $625,500 > 95% > $625,500 < 95% > $625,500 < 95% > $625,500 > 95% > $625,500 > 95% FHA rate

11 Wholesale Portfolio Ratesheet 5/1 Libor Portfolio ARM (Fully Amortized Only) 1 YR LIBOR 12/14/ % PORTFOLIO PROGRAM PRICING: Primary and Second Home Residences Program Purpose Loan Price Note Rate Margin 406 R&T/CO 5/1ARM % 2.875% 5%/2%/5% 406 R&T/CO 5/1ARM (1.250) 3.500% 2.875% 5%/2%/5% 406 R&T/CO 5/1ARM (1.375) 3.625% 2.875% 5%/2%/5% 406 R&T/CO 5/1ARM (1.500) 3.750% 2.875% 5%/2%/5% Program Purpose Loan Price Note Rate Margin 406 R&T/CO 5/1ARM % 3.250% 5%/2%/5% NONE 406 R&T/CO 5/1ARM (1.250) 3.500% 3.250% 5%/2%/5% NONE 406 R&T/CO 5/1ARM (1.375) 3.625% 3.250% 5%/2%/5% NONE 406 R&T/CO 5/1ARM (1.500) 3.750% 3.250% 5%/2%/5% NONE RATE ADJUSTMENTS : Add to Rate Announcements: Purchase Special (a) Non-owner occupied non-warrantle condos are no longer accepted Condo Adjustment Non- Warrantable Condo (b) Investment Adjustment Unit Property Asset Depletion Alternative Income financed properties (c) > 10 financed properties (c) Foreign National Citizenship (a) Purchase Specials Not Applicable for NOO Properties or Outside Footprint (b) Non-Warrantable Condo adjustment is in addition to standard condo adjustment if applicable (b )Non-Owner Occupied (NOO) Properties Non-Warrantable Condos are not allowed (c) > 4 financed property adjustments do not apply if subject property is a primary residence Caps PORTFOLIO PROGRAM PRICING: Investment Property Residences Lock Term is for 45 Days Caps Prepay NONE NONE NONE NONE Prepay Loan Amount and LTV Limitations Fully Amortizing Option ONLY Occupancy Primary Second Home Investment Property Investment Property > 4 finanaced LTV CLTV 75% 80% 70% 75% 65% 70% 75% 80% 70% 70% 65% 65% Loan Amount $100,000 to < $1,000,000 $1,000,001 to < $1,500,000 $1,500,001 to < $2,000,000 $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. FEES: GFE Block 1 $975 FB total + broker fees, Block 3 tax $60, flood $8 Credit $16. Appraisal fees - Call for $ Matrix. Loss Payee: Fremont Bank, Its' Successors and/or Assigns. PO Box 7295, Fremont, CA Page 1 of 1

12 Wholesale Portfolio Ratesheet 7/1 Libor Portfolio ARM (Fully Amortized Only) 1 YR LIBOR 12/14/ % PORTFOLIO PROGRAM PRICING: Primary and Second Home Residences Program Purpose Loan Price Note Rate Margin Caps Prepay 407 R&T/CO 7/1ARM % 2.875% 5%/2%/5% NONE 407 R&T/CO 7/1ARM (1.000) 3.875% 2.875% 5%/2%/5% NONE 407 R&T/CO 7/1ARM (1.125) 4.000% 2.875% 5%/2%/5% NONE 407 R&T/CO 7/1ARM (1.250) 4.125% 2.875% 5%/2%/5% NONE PORTFOLIO PROGRAM PRICING: Investment Property Residences Program Purpose Loan Price Note Rate Margin Caps Prepay 407 R&T/CO 7/1ARM % 3.250% 5%/2%/5% NONE 407 R&T/CO 7/1ARM (1.000) 3.875% 3.250% 5%/2%/5% NONE 407 R&T/CO 7/1ARM (1.125) 4.000% 3.250% 5%/2%/5% NONE 407 R&T/CO 7/1ARM (1.250) 4.125% 3.250% 5%/2%/5% NONE Lock Term is for 45 Days RATE ADJUSTMENTS : Add to Rate Announcements: Purchase Special (a) No ALP (Automatic Loan Payment) Condo Adjustment Investment Adjustment Unit Property (a) Purchase Specials Not Applicable for NOO Properties or Outside Footprint Loan Amount and LTV Limitations Fully Amortizing Option ONLY Occupancy LTV CLTV Loan Amount Primary 75% 80% 70% 75% 65% 70% > $417,000 to < $1,000,000 > $1,000,000 to < $1,500,000 > $1,500,000 to < $2,000,000 Second Home 75% 80% > $417,000 to < $1,000,000 Investment Property 65% 65% > $417,000 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. ** Please send your Account Executive your scenario. Accuracy is Critical. BE SURE to indicate retirement accounts. MISC. FEES: GFE Block 1 $975 FB total + broker fees, Block 3 tax $60, flood $8 Credit $16. Appraisal fees - Call for $ Matrix. Loss Payee: Fremont Bank, Its' Successors and/or Assigns. PO Box 7295, Fremont, CA Page 1 of 1

13 Home Equity Line of Credit - Prime Combo Rates & Terms Primary Second Home Investment Base Start Rate % 4.500% 5.750% Index WSJ Prime Rate is 3.25% as of Monday, December 14, 2015 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 % 5-10 Financed Props % > 10 Financed Props % 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 (waived the first 3 years) Set Up Fee $95.00 (fee is currently being waived) 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 13 HELOC

14 WHOLESALE SALES TEAMS NORTHERN CALIFORNIA Name Contact # Address Region Pat Reid pat.reid@fremontbank.com Director of Sales: 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 Ken Owens ken.owens@fremontbank.com South Bay Mike Cook mike.cook@fremontbank.com Sacramento Steve Armstrong Steve.Armstrong@fremontbank.com Central Coast 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 ACCOUNT EXECUTIVES Name Contact # Address Account Exec. Region Celia Margison celia.margison@fremontbank.com Los Angeles County/Westside/Valley 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 Courtney McBride Courtney.McBride@fremontbank.com LA, Ventura & Santa Barbara Abdul Aref abdul.aref@fremontbank.com Los Angeles/Orange County 14 contact info