SALES CONTACTS DIVISIONAL NORTH WEST DIVISIONAL MANAGER Debbie Hood debbie.hood@bexilamerican.com 425.533.0127 OPERATIONS CONTACTS BROKER LIAISON UTAH Chris Czanstke chris.czanstke@bexilamerican.com 858.227.4367 ACCOUNT EXECUTIVES Josh Kramer josh.kramer@bexilamerican.com 801.502.9449 Indices 1 Yr LIBOR.84300 1 Yr CMT.15000 Prime 3.25000 Lender Fees Administrative Fee on Conventional Administrative Fee on Government $875 $485 MORTGAGEE CLAUSE Bexil American Mortgage Inc., its successor and/or assigns LOCKING AND EXTENSIONS Lock Hours: 8:30 am - 4:00 pm PDT 1 day extension: Free Extension Fee per day (after 1st day free of charge): (0.020) Programs and Pricing Available Online 15 day lock period is available only on loans with a status of Clear to Close Minimum Loan Amount on All Products: $50,000 FHA Mortgagee Number: 31118-0000-8 VA Mortgagee Number: 902743-00-00 Conventional Loan Limits Units Contiguous States, District of Columbia and Puerto Rico Contiguous States, District of Columbia and Puerto Rico Units Alaska, Guam, Hawaii, and the U.S. Virgin Islands Alaska, Guam, Hawaii, and the U.S. Virgin Islands General High Cost Area General High Cost Area 1 $417,000 $625,500 1 $625,500 $938,250 2 $533,850 $800,775 2 $800,775 $1,201,150 3 $645,300 $967,950 3 $967,950 $1,451,925 4 $801,950 $1,202,925 4 $1,202,925 $1,804,375 Bexil American Mortgage Inc's. policy strictly prohibits making any loans that are classified as "High Cost" mortgages or "Higher-d" mortgages. These materials Wateridge Circle, Suite 250,. Bexil American Mortgage Inc.'s NMLS number is 839502.
Conforming Fixed and ARM Programs Max Net : 105.00 CONFORMING 30 YR CONFORMING 20 YR CONFORMING 15 YR CONFORMING 10 YR 3.000 0.107 0.295 0.395 2.750 0.677 0.868 0.968 2.250 0.908 1.143 1.274 2.250 0.502 0.731 0.832 3.125 (0.667) (0.480) (0.380) 2.875 (0.138) 0.051 0.151 2.375 0.277 0.479 0.642 2.375 (0.044) 0.180 0.286 3.250 (1.239) (1.052) (0.952) 3.375 (1.945) (1.760) (1.660) 3.000 (0.931) (0.742) (0.642) 3.125 (1.705) (1.518) (1.418) 2.500 (0.324) (0.161) 0.011 2.625 (0.799) (0.639) (0.467) 2.500 (0.561) (0.341) (0.230) 2.625 (0.994) (0.779) (0.662) 3.500 (2.680) (2.495) (2.395) 3.625 (3.347) (3.164) (3.064) 3.250 (2.276) (2.090) (1.990) 3.375 (2.108) (1.923) (1.823) 2.750 (1.436) (1.237) (1.137) 2.875 (1.993) (1.795) (1.695) 2.750 (1.761) (1.562) (1.462) 2.875 (2.318) (2.120) (2.020) 3.750 (3.818) (3.636) (3.536) 3.000 (2.501) (2.335) (2.204) 3.875 (4.106) (3.925) (3.825) 4.000 (4.323) (4.145) (3.955) 4.125 (4.834) (4.656) (4.466) CONF HIGH BAL 30 YR CONF HIGH BAL 15 YR CONF HIGH BAL ARM 5/1 CONF HIGH BAL ARM 7/1 3.000 1.857 2.045 2.145 3.125 1.083 1.270 1.370 3.250 0.511 0.698 0.798 3.375 (0.195) (0.010) 0.090 2.375 2.027 2.229 2.392 2.500 1.426 1.589 1.761 2.625 0.951 1.111 1.283 2.750 0.314 0.513 0.613 2.000 2.579 2.704 2.829 2.125 2.193 2.318 2.443 2.250 1.806 1.931 2.056 2.375 1.475 1.600 1.725 2.500 1.658 1.783 1.908 2.625 1.235 1.360 1.485 2.750 0.797 0.922 1.047 2.875 0.410 0.535 0.660 3.500 (0.930) (0.745) (0.645) 3.625 (1.597) (1.414) (1.314) 3.750 (2.068) (1.886) (1.786) 3.875 (2.356) (2.175) (2.075) 4.000 (2.573) (2.395) (2.205) 2.875 (0.243) (0.045) 0.055 3.000 (0.751) (0.585) (0.454) 3.125 (1.178) (1.018) (0.846) 3.250 (1.463) (1.303) (1.131) 3.375 (1.713) (1.553) (1.381) 2.500 1.171 1.296 1.421 2.625 0.867 0.992 1.117 2.750 0.595 0.720 0.845 2.875 0.379 0.504 0.629 3.000 0.163 0.288 0.413 3.000 0.176 0.301 0.426 3.125 (0.058) 0.067 0.192 3.250 (0.291) (0.166) (0.041) 3.375 (0.385) (0.260) (0.135) 4.125 (3.084) (2.906) (2.716) 3.125 (0.010) 0.115 0.240 CONF LIBOR ARM 3/1 2.25 Margin 2/2/6 CONF LIBOR ARM 5/1 CONF LIBOR ARM 7/1 2.250 0.662 1.099 1.269 2.250 0.566 1.004 1.174 2.250 1.485 1.924 2.094 2.375 0.331 0.776 0.946 2.375 0.094 0.540 0.710 2.375 0.925 1.372 1.542 2.500 0.099 0.553 0.723 2.500 (0.241) 0.213 0.383 2.500 0.447 0.902 1.072 2.625 (0.114) 0.348 0.518 2.625 (0.552) (0.090) 0.080 2.625 (0.086) 0.377 0.547 2.750 (0.215) 0.256 0.426 2.750 (0.731) (0.257) (0.087) 2.750 (0.439) 0.033 0.203 2.875 (0.134) 0.345 0.515 2.875 (0.689) (0.210) (0.040) 2.875 (0.699) (0.218) (0.048) 3.000 (0.052) 0.435 0.605 3.000 (0.589) (0.102) 0.068 3.000 (0.880) (0.391) (0.221) 3.125 0.027 0.523 0.693 3.125 (0.990) (0.492) (0.322) Bexil American Mortgage Inc's. policy strictly prohibits making any loans that are classified as "High Cost" mortgages or "Higher-d" mortgages. These materials Wateridge Circle, Suite 250,. Bexil American Mortgage Inc.'s NMLS number is 839502.
Conforming Fixed Program Adjustments (All Adjustments are Cumulative Unless Otherwise Stated) Conf Fixed Prop/Occ Adjustments LTV/Occ <=60% 60.01-70% 70.01-75% 75.01-80% 80.01-85% 85.01-90% 90.01-95% N/O/O Prop 2.000 2.000 2.000 3.250 3.750 n/a n/a Condo >15 Yr 0.000 0.000 0.000 0.750 0.750 0.750 0.750 2 Unit Prop 1.000 1.000 1.000 1.000 n/a n/a n/a 3-4 Unit Prop 1.000 1.000 1.000 n/a n/a n/a n/a Conf Fixed Sub-Financing LTV/CLTV <720 >=720 <=65% / 80.01-95% 0.500 0.250 65.01-75% / 80.01-95% 0.750 0.500 75.01-95% / 90.01-95% 1.000 0.750 75.01-95% / 76.01-90% 1.000 0.750 <=95% / 95.01-97% 1.500 1.500 Conf Fixed LTV/FICO Adjustments >15 yrs LTV/FICO <=60% 60.01-70% 70.01-75% 75.01-80% 80.01-85% 85.01-90% 90.01-95% 620-639 0.500 1.500 4.000 4.000 4.000 4.000 4.000 640-659 0.500 1.250 2.500 3.250 3.250 3.250 3.250 660-679 0.000 1.000 2.000 2.500 2.750 2.250 2.250 680-699 0.000 0.500 1.250 1.750 1.500 1.250 1.250 700-719 (0.250) 0.500 0.750 1.000 1.000 1.000 1.000 720-739 (0.250) 0.000 0.250 0.500 0.500 0.500 0.500 >=740 (0.250) 0.000 0.000 0.250 0.250 0.250 0.250 Conf Fixed C/O Refi LTV/FICO Adjustments (High Balance Excluded) LTV/FICO <=60% 60.01-70% 70.01-75% 75.01-80% 80.01-85% 85.01-90% 90.01-95% 620-639 0.250 1.250 3.000 3.000 3.000 n/a n/a 640-659 0.250 1.250 1.250 3.000 3.000 n/a n/a 660-679 0.250 0.750 0.750 1.500 2.500 n/a n/a 680-699 0.000 0.750 0.750 1.375 2.500 n/a n/a 700-719 0.000 0.625 0.625 0.750 1.500 n/a n/a 720-739 0.000 0.625 0.625 0.750 1.500 n/a n/a >=740 0.000 0.250 0.250 0.500 0.625 n/a n/a Conf Fixed Cash-Out Refi (High Balance Only) LTV/FICO Requirements <=60% >=740 1.000 Conf Fixed Loan Amount Adjustments Loan Amount $50,000-<$100,000 0.625 $100,000-<$140,000 0.375 Conf Fixed Non-Impounded Loans Non-Impounded Loans CA Only 0.100 All States (Except CA) 0.150 Conf Fixed State Loan Amount Adjustments State/Loan Amount >$140,000 RI, MN, MD, CA, CO (0.091) NY, CT, IA, UT, VT, PR, FL, NV, MA 0.000 ME, NJ, AZ, DC, HI, ID, IN, KS, MT (0.029) NH, NM, OH, WA, WV, WY, ND, SD (0.029) MI, PA, NE, AK, AL, DE, KY, LA, MO (0.038) OK, OR, TN, IL, MS, WI, GA, AR (0.038) NC, VA, SC, TX (0.111) Bexil American Mortgage Inc's. policy strictly prohibits making any loans that are classified as "High Cost" mortgages or "Higher-d" mortgages. These materials Wateridge Circle, Suite 250,. Bexil American Mortgage Inc.'s NMLS number is 839502.
Conforming ARM Program Adjustments (All Adjustments are Cumulative Unless Otherwise Stated) Conf ARM Prop/Occ Adjustments LTV/Occ <=60% 60.01-70% 70.01-75% 75.01-80% 80.01-85% 85.01-90% 90.01-95% ARM 0.000 0.000 0.000 0.000 0.000 0.000 0.250 N/O/O Prop 2.000 2.000 2.000 3.250 4.000 n/a n/a Condo >15 yr 0.000 0.000 0.000 0.750 0.750 0.750 0.750 2 Unit Prop 1.000 1.000 1.000 1.000 n/a n/a n/a 3-4 Unit Prop 1.000 1.000 1.000 n/a n/a n/a n/a Conf ARM Sub-Financing Adjustments LTV/CLTV <720 >=720 <=65% / 80.01-95% 0.500 0.250 65.01-75% / 80.01-95% 0.750 0.500 75.01-95% / 90.01-95% 1.000 0.750 75.01-90% / 76.01-90% 1.000 0.750 Conf ARM LTV/FICO Adjustments LTV/FICO <=60% 60.01-70% 70.01-75% 75.01-80% 80.01-85% 85.01-90% 90.01-95% 620-639 0.500 1.500 3.000 3.000 3.250 3.250 3.250 640-659 0.500 1.250 2.500 3.000 3.250 2.750 2.750 660-679 0.000 1.000 2.000 2.500 2.750 2.250 2.250 680-699 0.000 0.500 1.250 1.750 1.500 1.250 1.250 700-719 (0.250) 0.500 0.750 1.000 1.000 1.000 1.000 720-739 (0.250) 0.000 0.250 0.500 0.500 0.500 0.500 >=740 (0.250) 0.000 0.000 0.250 0.250 0.250 0.250 Conf ARM Cash-Out Refi LTV/FICO Adjustments LTV/FICO <=60% 60.01-70% 70.01-75% 75.01-80% 80.01-85% 620-639 0.250 1.250 1.250 2.750 3.000 640-659 0.250 1.250 1.250 2.250 3.000 660-679 0.250 0.750 0.750 1.500 2.500 680-699 0.000 0.750 0.750 1.375 2.500 700-719 0.000 0.625 0.625 0.750 1.500 720-739 0.000 0.625 0.625 0.750 1.500 >=740 0.000 0.250 0.250 0.500 0.625 Conf HB ARM LTV/FICO Adjustments LTV/FICO <=60% 60.01-70% 70.01-75% 660-679 0.000 1.125 2.375 680-699 0.000 0.625 1.375 700-719 (0.250) 0.500 0.750 720-739 (0.250) 0.000 0.250 >=740 (0.250) 0.000 0.000 Conf HB ARM Cash-Out Refi Adjustments LTV/FICO Requirements <=60% >=740 1.000 Conf ARM Loan Amt Adjustments Loan Amount $50,000-<$100,000 0.625 $100,000-<$140,000 0.375 Conf ARM State Loan Amount Adjustments (High Balance Excluded) State/Loan Amount >$140,000 RI, MN, MD, CA, CO (0.091) NY, CT, IA, UT, VT, PR, FL, NV, MA 0.000 ME, NJ, AZ, DC, HI, ID IN, KS, MT (0.029) NH, NM, OH, WA, WV, WY, ND, SD (0.029) MI, PA, NE, AK, AL, DE, KY, LA, MO (0.038) Conf HB ARM Sub-Financing Adjustments OK, OR, TN, IL, MS, WI, GA, AR (0.038) NC, VA, SC, TX (0.111) LTV/CLTV <720 >=720 <=65% / 80.01-90% 0.500 0.250 65.01-75% / 80.01-90% 0.750 0.500 75.01-90% / 76.01-90% 1.000 0.750 Conf HB ARM Prop/Occ Adjustments Prop/Occ N/O/O Prop 1.750 2 Unit Prop 1.000 Condo >15 yr & >= 75.01% LTV 0.750 Bexil American Mortgage Inc's. policy strictly prohibits making any loans that are classified as "High Cost" mortgages or "Higher-d" mortgages. These materials Wateridge Circle, Suite 250,. Bexil American Mortgage Inc.'s NMLS number is 839502.
Government Programs and Pricing Adjustments FHA Max Net : 106.25 / VA Max Net : 105.00 (All Adjustments are Cumulative Unless Otherwise Noted) FHA 30 YR 3.250 (3.971) (3.871) 3.375 (4.469) (4.369) 3.500 (4.945) (4.845) 3.625 (5.236) (5.136) 3.750 (6.427) (6.327) 3.875 (6.792) (6.692) 4.000 (6.736) (6.636) FHA 15 YR 2.875 (3.058) (2.958) 3.000 (3.361) (3.261) 3.125 (3.410) (3.310) 3.250 (4.270) (4.170) 3.375 (4.487) (4.387) 3.500 (4.644) (4.544) 3.625 (4.496) (4.396) FHA HIGH BAL 30 YR 3.000 1.539 1.639 3.125 1.204 1.304 3.250 (2.571) (2.471) 3.375 (3.069) (2.969) 3.500 (3.545) (3.445) 3.625 (3.836) (3.736) 3.750 (3.517) (3.417) VA 30 YR Rate 45 days 60 days 2.750 0.112 0.362 2.875 (0.463) (0.213) 3.000 (1.050) (0.800) 3.125 (1.593) (1.343) 3.250 (4.204) (3.954) 3.375 (4.740) (4.490) 3.500 (5.211) (4.961) VA 15 YR Rate 45 days 60 days 2.875 (3.217) (2.967) 3.000 (3.862) (3.612) 3.125 (4.072) (3.822) 3.250 (4.418) (4.168) 3.375 (4.452) (4.202) 3.500 (5.056) (4.806) 3.625 (5.225) (4.975) FHA State Loan Amount Adjustments State/Loan Amount >$140,000 RI, MN, MD, CA, CO, MA 0.050 0.050 NY, CT, IA, UT, VT, PR, FL, NV 0.000 0.000 ME, NJ, AZ, DC, HI, ID, IN, KS, MT (0.015) (0.015) NH, NM, OH, WA, WV, WY, ND, SD (0.015) (0.015) MI, PA, NE, AK, AL, DE, KY, LA, AR (0.020) (0.020) MO, OK, OR, TN, IL, MS, WI, GA (0.020) (0.020) NC, VA, SC, TX (0.060) (0.060) FHA FICO Adjustments FICO 720+ (0.250) 700-719 (0.125) 680-699 0.000 640-679 0.500 FHA Condo Adjustment Prop/Occ Condos Located in GA 2.000 FHA/VA Loan Amt Adjustments Loan Amount $50,00-<$100,000 0.625 $100,000-<$140,000 0.375 VA FICO Adjustments FICO 660-679 0.500 640-659 1.000 VA Pricing Special Special FICO >= 740 (0.250) Bexil American Mortgage Inc's. policy strictly prohibits making any loans that are classified as "High Cost" mortgages or "Higher-d" mortgages. These materials Wateridge Circle, Suite 250,. Bexil American Mortgage Inc.'s NMLS number is 839502.
Jumbo Programs and Pricing Adjustments Max Net : 103.00 (All Adjustments are Cumulative Unless Otherwise Noted) JUMBO FIXED 30 YR 3.500 2.963 3.213 3.625 2.455 2.705 3.750 1.958 2.208 3.875 1.595 1.845 4.000 0.948 1.198 4.125 0.693 0.943 4.250 0.438 0.688 JUMBO FIXED 15 YR 3.000 1.232 1.482 3.125 0.906 1.156 3.250 0.580 0.830 3.375 0.282 0.532 3.500 (0.147) 0.103 JUMBO LIBOR ARM 5/1 2.625 0.620 0.745 2.750 0.326 0.451 2.875 0.068 0.193 3.000 (0.190) (0.065) 3.125 (0.449) (0.324) 3.250 (0.649) (0.524) 3.375 (0.839) (0.714) JUMBO LIBOR ARM 7/1 3.000 0.487 0.612 3.125 0.228 0.353 3.250 0.028 0.153 3.375 (0.162) (0.037) 3.500 (0.200) (0.075) JUMBO LIBOR ARM 10/1 3.125 1.740 1.865 3.250 1.481 1.606 3.375 1.222 1.347 3.500 0.962 1.087 3.625 0.726 0.851 3.750 0.508 0.633 3.875 0.291 0.416 Jumbo CA County Adjustments Jumbo Prop/Occ Adjustments County Alameda, Contra Costa, Marin, Monterey, Napa (0.750) San Benito, San Diego, San Francisco (0.750) San Luis Obispo, San Mateo, Santa Barbara (0.750) Santa Clara, Santa Cruz, Sonoma, Ventura (0.750) Alpine, Amador, Calaveras, Colusa, Fresno, Glenn (0.125) Kern, Madera, Mariposa, Modoc, Mono, Plumas (0.125) Riverside, San Bernadino, Sierra, Siskiyou, Sutter (0.125) Trinity, Tulare, Yuba (0.125) Butte, Imperial, Merced 0.125 San Jaoquin, Shasta, Solano 0.125 Del Norte, El Dorado, Humboldt, Inyo, Kings 0.250 Lake, Lassen, Los Angeles, Mendocino, Nevada 0.250 Orange, Sacramento, Stanislaus 0.250 Tehama, Tuolumne, Yolo 0.250 LTV/Feature <=65% 65.01-70% 70.01-75% 75.01-80% LTV 0.000 0.000 0.000 0.250 FICO 700-719 (Max LTV 60%) 0.500 n/a n/a n/a FICO 720-739 0.000 0.000 n/a n/a FICO 740-759 (0.125) 0.000 0.000 0.125 FICO 760-799 (0.625) (0.375) (0.250) 0.000 Loan Amount $1,000,000- $1,500,000 Loan Amount $1,500,001- $2,000,000 FICO 800+ (1.250) (0.875) (0.750) (0.500) 0.000 0.250 0.500 0.750 0.250 0.375 n/a n/a 2 Unit Prop 0.125 0.250 0.750 1.000 Low Rise Condo < 4 Floors 0.750 0.750 0.750 n/a High Rise Condos > 4 Floors 0.750 0.750 0.750 n/a Second Home 0.750 0.750 0.750 n/a Cash Out 0.875 n/a n/a n/a Properties in CA or TX (0.125) (0.125) (0.125) (0.125) Bexil American Mortgage Inc's. policy strictly prohibits making any loans that are classified as "High Cost" mortgages or "Higher-d" mortgages. These materials Wateridge Circle, Suite 250,. Bexil American Mortgage Inc.'s NMLS number is 839502.