% % >80% & 95%

Transcription

1 Wholesale Division US Bank Home Mortgage Wholesale Pricing Effective: 2/13/ HELP DESK Page: 1 of 5 CONVENTIONAL FIXED RATE LOANS LOAN SIZE AND STATE ADJUSTMENT FOR CONFORMING FIXED RATE CONVENTIONAL CONFORMING 30 YEAR Conventional 30 Yr. (Prime and Alt-A 30/20s) PLANS: 3501, 3505, 3601, 3610, $200,001 + No Adjustment 3666, 3687, 3688, 3691 $150,001 - $200,000 Deduct (0.025) from price $100,001 - $150,000 Deduct (0.075) from price 30 Day 45 Day 60 Day 75 Day $70,001 - $100,000 Deduct (0.125) from price RATE 3/15/18 3/30/18 4/14/18 4/29/18 $30,001 - $70,000 Deduct (0.400) from price 3.750% < = $30,000 Deduct (1.725) from price 3.875% Conventional 15 Yr. (Prime and Alt-A 15/10s) 3.950% $200,001 + No Adjustment 4.000% $150,001 - $200,000 Deduct (0.050) from price 4.125% $100,001 - $150,000 Deduct (0.075) from price 4.250% $70,001 - $100,000 Deduct (0.225) from price 4.375% $30,001 - $70,000 Deduct (0.425) from price 4.500% < = $30,000 Deduct (1.350) from price 4.625% State Adjustments 4.750% AL, AR, FL, KY,ND, NE, OH, SC, TN: Add to price 4.875% GA, NC, PA: Add to price 4.950% OK: Add 0.15 to price 5.000% TX: Add 0.25 to price 5.125% CO, DE, HI, ID, IL, MA, ME, MT, NH, NJ, UT, VT, WY: Deduct (0.050) from price 5.250% MD: Deduct (0.075) from price 5.375% AZ, NV, RI: Deduct (0.100) from price 5.500% NY: Deduct (0.100) from price CA: Deduct (0.100) from price CONVENTIONAL CONFORMING 20 All other states: No Adjustment PLANS: 3503, 3508, 3604, 3667 PROGRAM PRICING ADJUSTMENTS (All adjustments are cumulative) 2-4 unit property: Deduct 1.000pts Conforming Ln Limits 30 Day 45 Day 60 Day 75 Day Manufactured Homes: Deduct 0.75pts (Min FICO 640) 1 Unit: $424,100 RATE 3/15/18 3/30/18 4/14/18 4/29/18 Second Homes with LTV >85%: Deduct pts 2 Unit: $543,000 Condo with LTV >75: Deduct 0.75pts¹ 3 Unit: $656,350 ¹(Not Applpicable to 15 yr. term loans) 4 Unit: $815, % % % % FHLMC & FNMA Subordinate Financing Delivery Fees: 3.950% LTV TLTV Credit Score 4.000% Ratio Ratio <720 >= % % 80% % % >80% & 95% % > 65% & 75% >80% & 95% % > 75% & 95% >76% & 95% % % Delivery Fees for Product: 3501; 3502; 3503; 3505; 3506; 3507; 3508; 4.875% ; 3602; 3604; 3610; 3611; 3619; 3666; % % FHLMC & FNMA Cashout Refinance Delivery Fee: 5.125% FICO Score 60% >60-70% >70-75% >75-80% > 80% CONVENTIONAL CONFORMING 15 >= PLANS: 3502, 3506, n/a 3611, n/a 30 Day 45 Day 60 Day 75 Day n/a RATE 3/15/18 3/30/18 4/14/18 4/29/ n/a n/a n/a < n/a FHLMC & FNMA Loan Level Delivery Fees: FICO Score <=60% >60-70% >70-75% >75-80% >80-85% >85% >= % % % % % % % < % Delivery Fees for products: 3501; 3503; 3505; 3508; 3601; 3604; 3610; % % FHLMC & FNMA Investment Property Delivery Fee: 4.375% LTV Delivery Fee <= 75% CONVENTIONAL CONFORMING 10 >75% & <= 80% PLANS: 3507, 3619 >80% & <= 85% LTV > Day 45 Day 60 Day 75 Day Home Possible (Plan LTV , 3691) < RATE 3/15/18 3/30/18 4/14/18 4/29/ % % % FOR A- PRICING CONTACT YOUR LOCAL HELP DESK: 3.625% BLOOMINGTON % PRODUCT PAGE REFERENCE CHART 3.875% Conventional Fixed Rate (30 Yr, 20 Yr, 15 Yr, & 10 Yr) PAGE % FHLMC Open Access Streamline Refinance (30 Yr., 15Yr) PAGE % FNMA DU Refi Plus Fixed Rate (30 Yr., 15Yr) PAGE % FNMA DU Refi Plus Super Conforming Fixed Rate (30 Yr., 15Yr) PAGE 3 Agency Conforming Jumbo (30Yr & 15Yr) PAGE 4 Government Fixed Rate PAGE 4 Government ARM's (3/1) & (5/1) PAGE 4 LIBOR ARM's PAGE 5 Second Mortgages PAGE 5 "This information is provided for the real estate/mortgage professional and is not an advertisement to extend consumer credit as defined by Sec of Regulation Z. Rates and items are subject to change without notice. This form may NOT be reproduced"

2 Page: 2 of 5 FHLMC STREAMLINE REFINANCE OPEN ACCESS PROGRAM (CONF 30 YR & 15YR, SUPER CONF 30YR & 15YR) FHLMC OPEN ACCESS CONVENTIONAL 30 YR FHLMC OPEN ACCESS CONVENTIONAL 15 YR PLANS: 3600 PLANS: % % % % % % % % % % % % % % % % % % % % % % % % % % FHLMC OPEN ACCESS SUPER CONF. 30 YR PLANS: 3692 FHLMC-Open Access Product Adj. (3600, 3652, 3692) The following cumulative price adjustments ARE included in the discount 30 Day 45 Day 60 Day 75 Day point caps excluding T & I waiver fees: RATE 3/15/18 3/30/18 4/14/18 4/29/18 Investment Property: LTV <=75%: Deduct pts. from price 4.125% LTV >75-<=80%: Deduct pts. from price 4.250% LTV >80%: Deduct pts. from price 4.375% High LTV: 4.500% LTV > 95% and <= 97% Deduct pts. from price 4.625% LTV > 97% and <= 105% Deduct pts. from price 4.750% Mtge's w/ Secondary Finance: Deduct from price 4.875% LTV TLTV Credit Score 4.950% Ratio Ratio <720 >= % < = 75% <=80% % < = 65% >80-95% % >65-75% >80-95% % >75-80% >76-95% % >80-90% >81-95% % >90-95% >91-95% All > 95% CONDO: (NOT applicable on 15 yr term product 3652) CONDO > 75% LTV Deduct pts. from price. Number of Units Fees: 2 units: Deduct pts. from price. FICO / LTV delivery fees: Deduct from price (Not applicable on 15 yr term prod. 3652) 3, 4 units: LTV <= 80% Deduct pts. from price. FICO / LTV <=60% >60-70% >70-75% >75-80% >80-85% >85% 3, 4 units: LTV >80% & <= 85% Deduct 1.50 pts. from price. >= , 4 units: LTV > 85% Deduct pts. from price T & I waiver:deduct pts., Ins. ONLY Deduct pts FHLMC OPEN ACCESS Product Adjustment Fee Caps LTV Ratios Occpancy Type Amort. < = 80% > 80% Primary / Second Home >20 Years Primary / Second Home <=20 Years < Investment Property All Terms PIGGYBACK BUSTER - LENDER PAID MI PROGRAM (PRODUCT CODES: 3686, 3685, 3684) Piggyback Buster - Lender Paid MI 90.01% - 95% LTV Piggyback Buster - Lender Paid MI 85.01% - 90% LTV PLANS: 3686 (Min. Credit Score 680) PLANS: 3685 (Min Credit Score 680) 4.000% % % % % % % % % % % % % % % % % % % % % % % % % % Piggyback Buster Pricing Adjustments Piggyback Buster - Lender Paid MI % LTV LTV Program 3686 Credit Score Term 25 Yr. PLANS: 3684 (Min Credit Score 680) Ratio (300 Months) 30 Day 45 Day 60 Day 75 Day % Add Add Add RATE 3/15/18 3/30/18 4/14/18 4/29/ % No Add Add Add % % No Add Add No Add 4.125% Condo > 75% LTV: Deduct pts 4.250% Rate/Term Refi: FICO <720: Deduct pts 4.375% Loan Level Delivery Fees: Deduct from price 4.500% Credit 4.625% Score >80-85% >85-90% >90-95% 4.750% % % % % Day LockLoan Size and State Adjustments apply - see page % DEDUCT FROM 60 DAY PRICE 75 Day Product Description and Loan Term 4/29/18 FHLMC Open Access Fixed Rate Yr FHLMC Open Access Fixed Rate Yr "This information is provided for the real estate/mortgage professional and is not an advertisement to extend consumer credit as defined by Sec of Regulation Z. Rates and items are subject to change without notice. This form may NOT be reproduced"

3 Page: 3 of 5 FNMA DU REFI PLUS PROGRAMS (CONF 30 YR & 15YR, SUPER CONF 30YR & 15YR) FNMA DU REFI PLUS CONVENTIONAL 30 YR FNMA DU REFI PLUS CONVENTIONAL 15 YR PLANS: 3523 PLANS: % % % % % % % % % % % % % % % % % % % % % % % % % % FNMA DU PLUS REFI SUPER CONFORMING 30 YR FNMA DU REFI PLUS SUPER CONFORMING 15 YR PLANS: 3525 PLANS: % % % % % % % % % % % % % % % % % % % % % FNMA DU Refi Plus Streamline Product Adjustments (3523, 3524, 3525, 3526) The following cumulative price adjustments ARE included in the 2.00 disc pt cap: LTV/FICO Price Adjustments LTV Ranges 1 Credit Score 60% >60% & < 70% >70% & 75% >75% & < 80% >80% & < 85% >85% & < 90% >90% & < 95% >95% & < 97% >97% & < 105% > % 0.25% 0.25% 0.25% 0.00% 0.00% 0.00% 0.00% 0.00% % 0.25% 0.25% 0.25% 0.00% 0.00% 0.00% 0.00% 0.00% % 0.50% 0.75% 0.75% 0.50% 0.50% 0.50% 0.50% 0.50% % 0.50% 0.75% 0.75% 0.75% 0.75% 0.75% 0.50% 0.50% % 1.00% 1.50% 1.75% 1.75% 1.75% 1.75% 1.25% 1.25% % 1.25% 2.00% 2.25% 2.25% 2.25% 2.25% 1.75% 1.75% % 1.50% 2.50% 2.75% 2.75% 2.75% 2.75% 2.50% 2.50% < % 1.50% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% High LTV All FICO(All Terms) 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.50% 1.00% 1 Not applicable to mortgage loans with terms of 15 yrs or less. LTV Ranges Feature 60% >60% & < 70% 70% & 75% >75% & < 80% >80% & < 85% >85% & < 90% >90% & < 95% >95% & < 97% >97% & < 105% Condominiums % 0.000% 0.000% 0.750% 0.750% 0.750% 0.750% 0.750% 0.750% Investment Properties 2.125% 2.125% 2.125% 3.375% 4.125% 4.125% 4.125% 4.125% 4.125% 2, 3 or 4 unit properties 1.000% 1.000% 1.000% 1.000% 1.000% 1.000% 1.000% 1.000% 1.000% 1 Not applicable to mortgage loans with terms of 15 yrs or less. FNMA DU Refi Plus Mortgages with Subordinate Financing 1 FNMA DU Refi Plus Product Adjustment Fee Caps LTV Ratios LTV Ratios TLTV Ratios Fico<720 Fico 720 Occpancy Type Amort. < = 80% > 80% 75/20/5 >65% & 75% >90% & 95% 0.875% 0.625% Primary >20 Years /15/5 >75% & 95% >90% & 95% 0.875% 0.625% Primary <=20 Years All Eligible Products 80/10/10 >75% & 90% >76% & 90% 0.625% 0.375% Investment / 2nd Home All Terms Other <=65% <=95% 0.375% 0.375% Other >65% & 75% <=90% 0.375% 0.375% Other Any CLTV/LTV > 95% 1.875% 1.875% 1 If the subordinate financing is a Community Seconds loan, the subordinate financing fees do not apply and the lender must use SFC 118. "This information is provided for the real estate/mortgage professional and is not an advertisement to extend consumer credit as defined by Sec of Regulation Z. Rates and items are subject to change without notice. This form may NOT be reproduced"

4 Page: 4 of 5 AGENCY CONFORMING JUMBO AGENCY CONFORMING JUMBO 30 YEAR AGENCY CONFORMING JUMBO 15 YEAR Plan: 3626 Plan: % % % % % % % % % % % % % % % % % % Non-Owner Occupied LTV <= 75%: deduct 2.125pts Cashout Refi Transactions: deduct 0.750pts Escrow Waiver: deduct 0.250pts Non-Owner Occupied LTV >75 & <=80%: deduct 3.375pts Condo with LTV >75: deduct 0.750pts 2-4 Unit Property: deduct 1.000pts Non-Owner Occupied LTV >80 & <=85%: deduct 4.125pts California Property add 0.500pts FHLMC Loan Level Delivery Fees: Fees do not apply to program 3627 FHLMC Cashout Refinance Delivery Fee: FICO Score <=60% >60-70% >70-75% >75-80% >80-85% >85% FICO Score <=60% >60 - <=70% >70 - <=75% >75 - <=80% >= >= < < FHLMC Subordinate Financing Delivery Fees: 75 Day Lock Period LTV TLTV Credit Score Ratio Ratio <720 >=720 75% 80% % >80% & 95% > 65% & 75% >80% & 95% > 75% & 95% >76% & 95% GOVERNMENT FIXED LOAN PRODUCTS LOAN SIZE & STATE ADJUSTMENT FOR FHA/VA GOVERNMENT JUMBO FIXED LOAN PRODUCT FHA/VA 30 YR FIXED FHA 30 YR FIXED FHA 30 YR FIXED PLANS: 1001, 2001 $200,001 + No Adjustment PLANS: Day 45 Day 60 Day 75 Day $150,001 - $200,000 Deduct (0.030) from price 30 Day 45 Day 60 Day 75 Day RATE 3/15/18 3/30/18 4/14/18 4/29/18 $100,001 - $150,000 Deduct (0.070) from price RATE 3/15/18 3/30/18 4/14/18 4/29/18 $70,001 - $100,000 Deduct (0.100) from price 3.375% $30,001 - $70,000 Deduct (0.400) from price 3.500% < = $30,000 Deduct (2.250) from price 3.625% FHA 15 YR FIXED 4.125% % $200,001 + No Adjustment 4.250% % $150,001 - $200,000 Deduct (0.025) from price 4.375% % $100,001 - $150,000 Deduct (0.100) from price 4.500% % $70,001 - $100,000 Deduct (0.150) from price 4.625% % $30,001 - $70,000 Deduct (0.450) from price 4.750% % < = $30,000 Deduct (1.750) from price 4.375% % % % % FHA/VA 15 YR FIXED PLANS: 1002, 2002 VA 5/1 Hybrid ARM 30 Day 45 Day 60 Day 75 Day $200,001 + No Adjustment RATE 3/15/18 3/30/18 4/14/18 4/29/18 $150,001 - $200,000 Deduct (0.030) from price $100,001 - $150,000 Deduct (0.070) from price $70,001 - $100,000 Deduct (0.100) from price $30,001 - $70,000 Deduct (0.400) from price Program pricing adjustments 3.125% < = $30,000 Deduct (2.035) from price Minimum FICO for 1105 & Non-Conforming VA % State Adjustments VA Loans: Deduct an additional Points 3.375% AL, AR, FL, KY, ND, Add to price VA Loans > 424,100 pricing program 1105 to apply 3.500% NE, OH, SC, TN: Add to price FHA (MIN FICO 660) Delivery Fees: 3.625% GA, NC, PA: Add to price No Charge 3.750% OK: Add 0.15 to price 720+ (FHA ONLY) Add % TX: Add 0.25 to price VA (MIN FICO 640) Delivery Fees: 4.000% CO, DE, HI, ID, IL, MA, NJ, VTDeduct (0.050) from price ME, MT, NH, UT, WY: Deduct (0.050) from price No Charge MD: Deduct (0.075) from price 720+ Add AZ, NV, RI: Deduct (0.100) from price VA 5/1 HYBRID ARM MARGIN NY: Deduct (0.100) from price PLAN: 2024 CA: Deduct (0.100) from price 30 Day 45 Day 60 Day 75 Day All other states: No Adjustment RATE 3/15/18 3/30/18 4/14/18 4/29/18 ALL FHA LOAN'S 2.750% % % % % % % % % % % Off-Sheet pricing is NOT available on FHA/VA 5/1 Hybrid ARMs ****Commitment fee for broker transactions $ (NY $999.00) per loan file**** "This information is provided for the real estate/mortgage professional and is not an advertisement to extend consumer credit as defined by Sec of Regulation Z. Rates and items are subject to change without notice. This form may NOT be reproduced"

5 Page: 5 of 5 LIBOR ARM (AMORTIZING) LOAN PRODUAN PRODUCTS and SECOND MORTGAGES ARM Product Codes: 3371, 3374, 3373, 3379 (Conf. Jumbo), 3380 (Conf. Jumbo) Margin 12 Month LIBOR /1 ARM (2/6) 5/1 ARM (2/2/5) 7/1 ARM (5/2/5) 30 Day 45 Day 30 Day 45 Day 30 Day 45 Day Rate % 3/15/18 3/30/18 Rate % 3/15/18 3/30/18 Rate % 3/15/18 3/30/ % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % /1 ARM (2/2/5) Conf Jumbo 7/1 ARM (5/2/5) Conf Jumbo 30 Day 45 Day Day 45 Day Rate % 3/15/18 3/30/18 Rate % 3/15/18 3/30/ % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % % Conforming Product Codes: 3371, 3374, ALL DELIVERY FEES ARE CUMULATIVE - CA Property: deduct pts from price. LTV > 90.00% deduct pts Escrow waiver deduct pts. (Not applicable on CA properties) 2-4 unit property: Deduct 1.000pts See "ADDITIONAL DELIVER FEES" for Delivery Fees. Condo with LTV >75: Deduct 0.75pts Conforming Jumbo LIBOR ARM: 3379, ALL DELIVERY FEES ARE CUMULATIVE - CA Property: deduct pts from price. Escrow waiver deduct pts. Cashout Refi TLTV <= 75%: Deduct 1.75 pts. Max Investment property LTV is 85.0% Cashout Refi TLTV > 75%: Deduct 2.50 pts. 2-4 unit property: Deduct 1.000pts Purchase/Rate & Term Refi TLTV <= 75%: Deduct 1.00 pts. Condo with LTV >75: Deduct 0.75pts Purchase/Rate & Term Refi TLTV > 75-90%: Deduct 1.75 pts. See "ADDITIONAL DELIVER FEES" for Delivery Fees. Purchase/Rate & Term Refi TLTV > 90%: Deduct 2.00 pts. ADDITIONAL DELIVER FEES - ALL DELIVERY FEES ARE CUMULATIVE - Check product guidelines for additional eligibility rules. FHLMC & FNMA Loan Level Delivery Fees: FHLMC & FNMA Credit Score / LTV Delivery Fee: FHLMC & FNMA Cashout Refinance Delivery Fee: FICO Score <=60% >60-70% >70-75% >75-80% >80-85% >85% FICO Score <=60% >60 - <=70% >70 - <=75% >75 - <=80% >= >= < < FHLMC & FNMA Subordinate Financing Delivery Fees: FHLMC & FNMA Investment Property Delivery Fee: LTV TLTV Credit Score Ratio Ratio <720 >=720 LTV Delivery Fee 75% 80% <= 75% % >80% & 95% >75% & <= 80% > 65% & 75% >80% & 95% >80% & <= 85% > 75% & 95% >76% & 95% SECOND MORTGAGES: FIXED RATE (See Guidelines for State Specific TLTV Restrictions) Fixed Rate-2nd, PLAN: 3104 (15yr Am.) Fixed Rate-2nd, PLAN: 3105 (30yr Am.) Rate% 45 Day 60 Day Rate% 45 Day 60 Day 3/30/18 4/14/18 3/30/18 4/14/ % % % % % % % % % % % % % % % % % % % % % % % % RULES: PLAN 3104 (15yr Fixed) & 3105 (30yr Fixed) & 3141(ARM) This loan may only be used when U.S. Bank is purchasing new 1st mtg. Loan amounts from 15,000-19,999: Deduct pts from price. Commitment Fee $ Please refer to specific US Bank 1st mtg. Guidelines for possible additional subordinate financing requirements/restrictions. ****FOR USBHM HELOC'S, PLEASE REFER TO THE HELOC RATE SHEET, DISTRIBUTED SEPARATELY**** "This information is provided for the real estate/mortgage professional and is not an advertisement to extend consumer credit as defined by Sec of Regulation Z. Rates and items are subject to change without notice. This form may NOT be reproduced"