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1 FHA Loan Programs FHA 30yr Fixed FHA 30yr Fixed High Balance FHA 15yr Fixed F30F H30F F15F (6.000) (6.000) (6.000) (6.000) (5.596) (5.471) (5.346) (5.221) (4.870) (4.729) (4.566) (4.406) (6.000) (6.000) (6.000) (6.000) (5.180) (5.055) (4.930) (4.805) (4.571) (4.430) (4.267) (4.107) (6.000) (6.000) (6.000) (6.000) (4.774) (4.649) (4.524) (4.399) (4.191) (4.050) (3.887) (3.727) (6.000) (6.000) (6.000) (6.000) (4.550) (4.394) (4.269) (4.144) (3.798) (3.657) (3.494) (3.334) (6.000) (6.000) (6.000) (6.000) (4.114) (3.957) (3.832) (3.707) (3.940) (3.799) (3.636) (3.476) (6.000) (6.000) (6.000) (5.899) (3.687) (3.531) (3.406) (3.281) (3.623) (3.482) (3.319) (3.159) (6.000) (5.894) (5.769) (5.644) (3.207) (3.051) (2.926) (2.801) (3.219) (3.078) (2.915) (2.755) (5.614) (5.457) (5.332) (5.207) (2.738) (2.581) (2.456) (2.331) (2.801) (2.660) (2.497) (2.337) (5.187) (5.031) (4.906) (4.781) (1.665) (1.509) (1.321) (1.196) (2.018) (1.877) (1.714) (1.554) (4.707) (4.551) (4.426) (4.301) (1.164) (1.008) (0.820) (0.695) (1.682) (1.541) (1.378) (1.218) (4.238) (4.081) (3.956) (3.831) (0.672) (0.516) (0.329) (0.204) (1.253) (1.112) (0.949) (0.789) (3.165) (3.009) (2.821) (2.696) (0.128) (0.812) (0.671) (0.508) (0.348) (2.664) (2.508) (2.320) (2.195) (2.172) (2.016) (1.829) (1.704) (1.628) (1.472) (1.284) (1.159) * Premier FHA Experts * Min. FICO 550 (90% max) Min FICO 580(96.5% max) * Max LTV of 96.5% * Debt to income ratio determined by AUS Loan Amt $300,000-$399, FICO Zone Loan Amt $200,000-$299, FICO Loan Amt $100,000-$199, FICO Zone 2 DC, DE, IL, MI, WA, WI Loan Amt $50,000-$99, FICO Zone 3 IN, KY, MN, MO, OH, OR, TN Loan Amt <$50, FICO Zone 4 GA, NY, OK, PA, AL, AR, SC Units FICO (max LTV 90%) Zone 5 TX Manufactured Housing FICO (max LTV 90%) Zone 6 CT, FL, MD, NJ, VA DTI > Manual U/W Zone 7 CA, NC, KS, NV Exceptions Instantly qualify your borrowers - Real time pricing scenarios - Current loan status - Lock your loans in under 2 minutes - Direct access to your pipeline - Fully adjusted pricing - Immediate product updates - Faster service times LOCK DESK ADDRESSES lockdesk@carringtonms.com LOCK EXTENSION COSTS LOAN FEES INDICES LOCK EXPIRATION DATE 7 DAY (CTC only) UNDERWRITING $0.00 PRIME Day 3/5/15 10 DAY YR LIBOR Day 3/20/15 15 DAY YR TREASURY CMT Day 4/4/15 MAX 30 DAYS TOTAL $ Day 4/19/15 Page 1 of 5
2 FHA Streamline Loan Programs FHA 30yr Fixed FHA 30yr Fixed High Balance FHA 15yr Fixed F30FSR H30FSR F15FSR (6.000) (6.000) (6.000) (6.000) (5.596) (5.471) (5.346) (5.221) (4.870) (4.729) (4.566) (4.406) (6.000) (6.000) (6.000) (6.000) (5.180) (5.055) (4.930) (4.805) (4.571) (4.430) (4.267) (4.107) (6.000) (6.000) (6.000) (6.000) (4.774) (4.649) (4.524) (4.399) (4.191) (4.050) (3.887) (3.727) (6.000) (6.000) (6.000) (6.000) (4.550) (4.394) (4.269) (4.144) (3.798) (3.657) (3.494) (3.334) (6.000) (6.000) (6.000) (6.000) (4.114) (3.957) (3.832) (3.707) (3.940) (3.799) (3.636) (3.476) (6.000) (6.000) (6.000) (5.899) (3.687) (3.531) (3.406) (3.281) (3.623) (3.482) (3.319) (3.159) (6.000) (5.894) (5.769) (5.644) (3.207) (3.051) (2.926) (2.801) (3.219) (3.078) (2.915) (2.755) (5.614) (5.457) (5.332) (5.207) (2.738) (2.581) (2.456) (2.331) (2.801) (2.660) (2.497) (2.337) (5.187) (5.031) (4.906) (4.781) (1.665) (1.509) (1.321) (1.196) (2.018) (1.877) (1.714) (1.554) (4.707) (4.551) (4.426) (4.301) (1.164) (1.008) (0.820) (0.695) (1.682) (1.541) (1.378) (1.218) (4.238) (4.081) (3.956) (3.831) (0.672) (0.516) (0.329) (0.204) (1.253) (1.112) (0.949) (0.789) (3.165) (3.009) (2.821) (2.696) (0.128) (0.812) (0.671) (0.508) (0.348) (2.664) (2.508) (2.320) (2.195) (2.172) (2.016) (1.829) (1.704) (1.628) (1.472) (1.284) (1.159) * Premier FHA Experts * Min.FICO 550 (125% max based on original app. value) * Max CLTV of 125% * Debt to income ratio determined by AUS * No income or Appraisal on Streamline Refi Loan Amt $300,000-$399, Zone State <100k 100k-150k >150k Loan Amt $200,000-$299, FICO Zone Loan Amt $100,000-$199, FICO Loan Amt $50,000-$99, FICO Zone 2 DC, DE, IL, MI, WA, WI Loan Amt <$50, FICO Zone 3 IN, KY, MN, MO, OH, OR, TN Units FICO Zone 4 GA, NY, OK, PA, AL, AR, SC Units FICO Zone 5 TX Manufactured Housing FICO Zone 6 CT, FL, MD, NJ, VA DTI > Non-Ownner Zone 7 CA, NC, KS, NV Exceptions MAX REBATE Streamline (-5.250) Page 2 of 5
3 VA 30yr Fixed V30F H30FVA (6.000) (6.000) (6.000) (6.000) (5.671) (5.546) (5.421) (5.296) (6.000) (6.000) (6.000) (6.000) (5.255) (5.130) (5.005) (4.880) (6.000) (6.000) (6.000) (6.000) (4.849) (4.724) (4.599) (4.474) (6.000) (6.000) (6.000) (6.000) (4.625) (4.469) (4.344) (4.219) (6.000) (6.000) (6.000) (6.000) (4.189) (4.032) (3.907) (3.782) (6.000) (6.000) (6.000) (6.000) (3.762) (3.606) (3.481) (3.356) (6.000) (6.000) (6.000) (5.880) (3.282) (3.126) (3.001) (2.876) (5.849) (5.724) (5.599) (5.474) (2.813) (2.656) (2.531) (2.406) (5.625) (5.469) (5.344) (5.219) (1.740) (1.584) (1.396) (1.271) (5.189) (5.032) (4.907) (4.782) (1.239) (1.083) (0.895) (0.770) (4.762) (4.606) (4.481) (4.356) (0.747) (0.591) (0.404) (0.279) (4.282) (4.126) (4.001) (3.876) (0.203) (0.047) VA Loan Programs VA 30yr Fixed High Balance VA PRICE ADJUSTMENTS Loan Amt > $600, Manufactured Housing Loan Amt>= $400, Exceptions Loan Amt $300,000-$399, Manual U/W Loan Amt $200,000-$299, Loan Amt $100,000-$199, FICO Loan Amt $50,000-$99, FICO Loan Amt < $50, FICO FICO Zone State <100k 100k-150k >150k Zone 1 AZ, CA, CO, ID, ME, NH, NM, RI, WV, NV Zone 2 DC, DE, IL, MI, WA, WI Zone 3 IN, KY, MN, MO, OH, OR, TN Zone 4 GA, NY, OK, PA, AL, AR, SC Zone 5 TX Zone 6 CT, FL, MD, NJ, VA Zone 7 NC, KS VA 30yr Fixed VA IRRRL Loan Programs VA 30yr Fixed High Balance V30FIRRRL H30FVIRRRL (6.000) (6.000) (6.000) (5.946) (6.000) (5.946) (5.821) (5.696) (5.905) (5.780) (5.655) (5.530) (5.655) (5.530) (5.405) (5.280) (5.499) (5.374) (5.249) (5.124) (5.249) (5.124) (4.999) (4.874) (5.275) (5.119) (4.994) (4.869) (5.025) (4.869) (4.744) (4.619) (4.839) (4.682) (4.557) (4.432) (4.589) (4.432) (4.307) (4.182) (4.412) (4.256) (4.131) (4.006) (4.162) (4.006) (3.881) (3.756) (3.932) (3.776) (3.651) (3.526) (3.682) (3.526) (3.401) (3.276) (3.463) (3.306) (3.181) (3.056) (3.213) (3.056) (2.931) (2.806) (2.390) (2.234) (2.046) (1.921) (2.140) (1.984) (1.796) (1.671) (1.889) (1.733) (1.545) (1.420) (1.639) (1.483) (1.295) (1.170) (1.397) (1.241) (1.054) (0.929) (1.147) (0.991) (0.804) (0.679) (0.853) (0.697) (0.509) (0.384) (0.603) (0.447) (0.259) (0.134) VA PRICE ADJUSTMENTS Loan Amt > $600, Exceptions Loan Amt >= $300, Manufactured Housing Loan Amt $200,000-$299, FICO Loan Amt $100,000-$199, FICO Loan Amt $50,000-$99, FICO Loan Amt <$50, FICO Units Non-Owner Zone State <100k 100k-150k >150k Zone 1 AZ, CA, CO, ID, ME, NH, NM, RI, WV, NV Zone 2 DC, DE, IL, MI, WA, WI Zone 3 IN, KY, MN, MO, OH, OR, TN Zone 4 GA, NY, OK, PA, AL, AR, SC Zone 5 TX Zone 6 CT, FL, MD, NJ, VA Zone 7 NC, KS Page 3 of 5
4 FHA 30yr 203K & 203(b) Repair Escrow F30F203K, F30FRE H30F203K, H30FRE Rate 45 Day 60 Day Rate 45 Day 60 Day (6.000) (6.000) (4.346) (4.221) (6.000) (6.000) (3.930) (3.805) (6.000) (6.000) (3.524) (3.399) (6.000) (6.000) (3.269) (3.144) (6.000) (6.000) (2.832) (2.707) (5.646) (5.521) (2.406) (2.281) (5.230) (5.105) (1.926) (1.801) (4.824) (4.699) (1.456) (1.331) (4.569) (4.444) (0.321) (0.196) (4.132) (4.007) (3.706) (3.581) (3.226) (3.101) (2.756) (2.631) FHA 203K Streamline Loan Programs & FHA 203(b) Repair Escrow FHA 30yr Fixed High Bal. 203K & Repair Escrow Loan Amt >= $300, Zone State <100k 100k-150k >150k Loan Amt $200,000-$299, FICO Zone Loan Amt $100,000-$199, FICO Loan Amt $50,000-$99, FICO Zone 2 DC, DE, IL, MI, WA, WI Loan Amt <$50, FICO Zone 3 IN, KY, MN, MO, OH, OR, TN Units FICO Zone 4 GA, NY, OK, PA, AL, AR, SC Units FICO (max LTV 90%) Zone 5 TX Exceptions FICO (max LTV 90%) Zone 6 CT, FL, MD, NJ, VA Zone 7 CA, NC, KS, NV FHA $100 Down Payment Loan Programs * Min. FICO 550 (90% max) Min FICO 580(96.5% max) * Max Debt to income ratio 49.99% FHA 30yr Fixed $100 Down Pmt FHA 15yr Fixed $100 Down Pmt FHA 30yr Fixed High Bal $100 Down Pmt F30F100D F15F100D H30F100D (6.000) (6.000) (6.000) (6.000) (4.370) (4.229) (4.066) (3.906) (4.596) (4.471) (4.346) (4.221) (6.000) (6.000) (6.000) (6.000) (4.071) (3.930) (3.767) (3.607) (4.180) (4.055) (3.930) (3.805) (6.000) (6.000) (6.000) (6.000) (3.691) (3.550) (3.387) (3.227) (3.774) (3.649) (3.524) (3.399) (6.000) (6.000) (6.000) (6.000) (3.298) (3.157) (2.994) (2.834) (3.550) (3.394) (3.269) (3.144) (6.000) (6.000) (6.000) (6.000) (3.440) (3.299) (3.136) (2.976) (3.114) (2.957) (2.832) (2.707) (5.946) (5.821) (5.696) (5.571) (3.123) (2.982) (2.819) (2.659) (2.687) (2.531) (2.406) (2.281) (5.530) (5.405) (5.280) (5.155) (2.719) (2.578) (2.415) (2.255) (2.207) (2.051) (1.926) (1.801) (5.124) (4.999) (4.874) (4.749) (2.301) (2.160) (1.997) (1.837) (1.738) (1.581) (1.456) (1.331) (4.900) (4.744) (4.619) (4.494) (1.518) (1.377) (1.214) (1.054) (0.665) (0.509) (0.321) (0.196) (4.464) (4.307) (4.182) (4.057) (1.182) (1.041) (0.878) (0.718) (0.164) (0.008) (4.037) (3.881) (3.756) (3.631) (0.753) (0.612) (0.449) (0.289) (3.557) (3.401) (3.276) (3.151) (0.312) (0.171) (0.008) (3.088) (2.931) (2.806) (2.681) Loan Amt $300,000-$399, Zone 1 n/a n/a n/a n/a Loan Amt $200,000-$299, FICO Zone 2 IL Loan Amt $100,000-$199, FICO Zone 3 IN, TN Loan Amt $50,000-$99, FICO Zone 4 GA Loan Amt <$50, FICO Zone 5 n/a n/a n/a n/a Manual U/W FICO Zone 6 FL Exceptions Zone 7 NC * Min. FICO 580 * Max Debt to income ratio 43% * Purchase Transaction Only * 1-2 Units Only Page 4 of 5
5 USDA 30yr Fixed U30F UH30F (6.000) (6.000) (6.000) (6.000) (6.000) (6.000) (6.000) (6.000) (6.000) (6.000) (6.000) (6.000) (6.000) (6.000) (6.000) (6.000) (6.000) (6.000) (6.000) (6.000) (6.000) (6.000) (6.000) (6.000) (6.000) (6.000) (6.000) (6.000) (6.000) (6.000) (6.000) (5.891) (6.000) (6.000) (6.000) (6.000) (5.866) (5.756) (5.631) (5.506) (6.000) (6.000) (5.946) (5.821) (5.146) (5.021) (4.896) (4.771) (5.780) (5.655) (5.530) (5.405) (4.730) (4.605) (4.480) (4.355) (5.374) (5.249) (5.124) (4.999) (4.324) (4.199) (4.074) (3.949) (5.150) (4.994) (4.869) (4.744) (4.100) (3.944) (3.819) (3.694) (4.714) (4.557) (4.432) (4.307) (3.664) (3.507) (3.382) (3.257) (4.287) (4.131) (4.006) (3.881) (3.237) (3.081) (2.956) (2.831) (3.807) (3.651) (3.526) (3.401) (2.757) (2.601) (2.476) (2.351) (3.338) (3.181) (3.056) (2.931) (2.287) (2.131) (2.006) (1.881) USDA Loan Program USDA 30yr Fixed High Balance USDA PRICE ADJUSTMENTS Loan Amt $300,000-$399, Zone 1 AZ, CA, CO, ID, ME, NH, NM, RI, Loan Amt $200,000-$299, FICO WV Loan Amt $100,000-$199, FICO Zone 2 DC, DE, IL, MI, WA, WI Loan Amt $50,000-$99, FICO Zone 3 IN, KY, MN, MO, OR, TN Loan Amt <$50, FICO Zone 4 GA, NY, OK, PA, AL, AR, SC Exceptions FICO Zone 5 TX Manual U/W FICO Zone 6 CT, FL, MD, NJ, VA FICO Zone 7 NC, KS, NV * Min. FICO 550 * Max Debt to income ratio 41% USDA PILOT USDA PILOT 30yr Fixed USDA PILOT 30yr Fixed High Balance U30FP UH30FP (6.000) (6.000) (6.000) (6.000) (6.000) (6.000) (6.000) (6.000) (6.000) (6.000) (6.000) (6.000) (6.000) (6.000) (6.000) (6.000) (6.000) (6.000) (6.000) (6.000) (6.000) (6.000) (6.000) (6.000) (6.000) (6.000) (6.000) (6.000) (6.000) (6.000) (6.000) (5.891) (6.000) (6.000) (6.000) (6.000) (5.866) (5.756) (5.631) (5.506) (6.000) (6.000) (5.946) (5.821) (5.146) (5.021) (4.896) (4.771) (5.780) (5.655) (5.530) (5.405) (4.730) (4.605) (4.480) (4.355) (5.374) (5.249) (5.124) (4.999) (4.324) (4.199) (4.074) (3.949) (5.150) (4.994) (4.869) (4.744) (4.100) (3.944) (3.819) (3.694) (4.714) (4.557) (4.432) (4.307) (3.664) (3.507) (3.382) (3.257) (4.287) (4.131) (4.006) (3.881) (3.237) (3.081) (2.956) (2.831) (3.807) (3.651) (3.526) (3.401) (2.757) (2.601) (2.476) (2.351) (3.338) (3.181) (3.056) (2.931) (2.287) (2.131) (2.006) (1.881) USDA PRICE ADJUSTMENTS Loan Amt $300,000-$399, Zone Loan Amt $200,000-$299, FICO AZ, CA, CO, ID, NM, RI, WV Loan Amt $100,000-$199, FICO Zone 2 IL, MI, WA, WI Loan Amt $50,000-$99, FICO Zone 3 KY, MO, OR, TN Loan Amt <$50, FICO Zone 4 GA, OK, AL, AR, SC Exceptions FICO Zone 5 TX FICO Zone 6 FL, NJ FICO Zone 7 NC, KS, NV * Min. FICO 550 Page 5 of 5
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