19000 MacArthur Boulevard, 2nd Floor Ratesheet Co RS-WS Effective Date: 4/2/2019 #1 Wholesale Rate Sheet Table of Contents Contact list Tab Product LSM Select: All FNMA/FHLCM Corporate Headquarters: Phone: 800 760 1833 0.300 FICO => 700 & <= 80% LTV 2 FannieMae Products Email: Inquires@LSMortgage.com 3 FreddieMac Products LSM Select: All FHA/VA FICO => 0.350 4 Agency LLPAs 680 & Loan Amts => $200K Lock Desk: Phone: 949 679 7059 5 Government Products Email: LockDesk@LSMortgage.com 6 Jumbo NANQM Monthly Special Just Missed and Expanded Investment 0.250 U/W Loan Scenarios: Phone: Email Only Expanded Owner/2nd Home or/and No Ratios 0.500 Email: Scenarios_ls@LSMortgage.com NAN Q Scenarios & Phone: Email Only Lock Expiration Days Relock Fee CalHFA Rates - click the link below** Prequals Email: EZQual@LSMortgage.com 15 Day 04/17/19 (0.250) http://www.calhfa.ca.gov/apps/rates/ 30 Day 05/02/19 **CalFHA 60 day lock period = LSM 30 Day lock period Management Escalations Phone: Email Only 45 Day 05/17/19 CalHFA 90 day lock period = LSM 60 Day lock period** Greg Armstrong Email: GArmstrong@LSMortgage.com 60 Day 06/01/19 CD Desk: Phone: Email Only Underwriting Fee* DOC Fee All Loans Email: CD@LSMortgage.com Agency $ 995.00 $79 FHA/VA $ 995.00 Funding Department: Phone: Email Only USDA $ 995.00 *Underwriting Fee is not allowed in the state of NC and WA. State LLPA required. Email: Funding@LSMortgage.com FHA SL $ 595.00 VA IRRRL $ 595.00 Submission Desk Phone: Email Only Email: Submissions_LS@LSMortgage.com Lock Extension Fees 1 0.02 per day 1 Max extension 30 days and/or 5 times whichever comes first LoanStream Select Program Current Turn Times Department Turn Times Comments Submission - Set up 24 Hours Same Day if submitted before 12 PM New U/W 72 Hours If Submitted past 2 PM then 96 Hours U/W CTC 48 Hours If Submitted past 2 PM then 96 Hours Lock Desk Same Day Must be submitted during our Business Hours CD 24 Hours Same Day if submitted before 12 PM DOCS 24 Hours Same Day if submitted before 12 PM Funding 24 Hours Same Day if Clear to fund prior to 12:30 PM Mortgagee Clause OCMBC, INC. ISAOA 19000 MACARTHUR BLVD SUITE 200 IRVINE, CA 92612 Lender ID Number FHA Lender ID - California 20996-00001 FHA Lender ID - Outstate 20996-00018 VA Lender ID 169917 USDA Lender ID 33-0962918 RATES AND LLPAs ARE SUBJECT TO CHANGE WITHOUT NOTICE. CALFHA LOCKS, EXTENSIONS AND RELOCKS ACCEPTED UNTIL 1:00 PM PT THIS INFORMATION IS INTENDED FOR PROFESSIONAL OR BUSINESS USE ONLY. NOT FOR CONSUMER 1
FANNIE MAE CONFORMING FIXED RATE PRICING FANNIE MAE 30 YEAR FIXED (101) FANNIE MAE 25 YEAR FIXED (125) FANNIE MAE 20 YEAR FIXED (120) 3.875 100.174 100.123 100.071 4.000 101.322 101.266 101.213 4.000 101.698 101.646 101.548 4.000 101.322 101.266 101.213 4.125 101.724 101.668 101.615 4.125 102.090 102.038 101.940 4.125 101.724 101.668 101.615 4.250 102.146 102.097 102.014 4.250 102.514 102.462 102.364 4.250 102.146 102.097 102.014 4.375 102.634 102.585 102.502 4.375 102.957 102.905 102.807 4.375 102.634 102.585 102.502 4.500 103.118 103.070 102.987 4.500 103.216 103.164 103.065 4.500 103.118 103.070 102.987 4.625 103.394 103.346 103.263 4.625 103.482 103.423 103.317 4.625 103.394 103.346 103.263 4.750 103.641 103.585 103.494 4.750 103.938 103.879 103.773 4.750 103.641 103.585 103.494 4.875 104.069 104.013 103.923 4.875 104.252 104.192 104.087 4.875 104.069 104.013 103.923 5.000 104.445 104.389 104.299 5.000 104.431 104.372 104.266 5.000 104.445 104.389 104.299 5.125 104.767 104.712 104.621 5.125 104.737 104.680 104.544 5.125 104.767 104.712 104.621 5.250 104.922 104.868 104.747 5.250 104.983 104.926 104.789 5.250 104.922 104.868 104.747 5.375 105.223 105.170 105.049 5.375 105.347 105.290 105.154 5.375 105.223 105.170 105.049 5.500 105.624 105.567 105.431 5.500 105.544 105.491 105.370 5.625 105.740 105.651 105.493 5.750 106.070 105.977 105.803 FANNIE MAE 15 YEAR FIXED (115) FANNIE MAE 10 YEAR FIXED (110) Rate 15-Day 30-Day 45-Day Rate 15-Day 30-Day 45-Day 3.750 101.588 101.561 101.483 3.500 99.749 99.721 99.629 3.875 101.917 101.890 101.797 3.625 100.185 100.157 100.065 4.000 102.294 102.267 102.175 3.750 100.793 100.765 100.658 4.125 102.776 102.748 102.656 3.875 100.984 100.956 100.849 4.250 103.279 103.252 103.160 4.000 101.256 101.227 101.121 4.375 103.589 103.562 103.469 4.125 101.612 101.584 101.477 4.500 103.666 103.639 103.547 4.250 102.107 102.079 101.972 4.625 103.791 103.753 103.597 4.375 102.191 102.163 102.056 4.750 104.094 104.055 103.899 4.500 102.372 102.344 102.237 4.875 104.190 104.151 103.995 4.625 102.450 102.410 102.240 5.000 104.431 104.392 104.236 4.750 102.765 102.725 102.554 4.875 102.908 102.869 102.698 CONFORMING ARM PRICING FANNIE MAE 5/1 LIBOR ARM (A105) 2/2/5 FANNIE MAE 7/1 LIBOR ARM (A107) 5/2/5 FANNIE MAE 10/1 LIBOR ARM (A110) 5/2/5 3.500 100.218 100.218 100.093 3.500 99.549 99.424 99.299 3.750 100.341 100.216 100.091 3.625 100.481 100.481 100.356 3.625 99.947 99.822 99.697 3.875 100.669 100.544 100.419 3.750 100.731 100.731 100.606 3.750 100.314 100.189 100.064 4.000 100.993 100.868 100.743 3.875 100.977 100.977 100.852 3.875 100.672 100.547 100.422 4.125 101.315 101.190 101.065 4.000 101.211 101.211 101.096 4.000 100.999 100.874 100.749 4.250 101.528 101.403 101.278 4.125 101.465 101.442 101.359 4.125 101.317 101.192 101.067 4.375 101.713 101.588 101.463 4.250 101.768 101.713 101.662 4.250 101.620 101.495 101.370 4.500 101.854 101.729 101.604 4.375 102.007 101.952 101.901 4.375 101.919 101.794 101.669 4.625 101.985 101.860 101.735 4.500 102.280 102.226 102.174 4.500 102.175 102.050 101.925 4.750 102.046 101.921 101.796 4.625 102.260 102.258 102.133 4.625 102.420 102.295 102.170 4.875 102.091 101.966 101.841 4.750 102.461 102.457 102.332 4.750 102.653 102.528 102.403 5.000 102.149 102.024 101.899 4.875 102.885 102.760 102.635 5.125 102.213 102.088 101.963 5.000 103.127 103.002 102.877 5.250 102.282 102.157 102.032 5.125 103.375 103.250 103.125 5.250 103.625 103.500 103.375 HOME READY CONFORMING PRICING HOME READY 30 YEAR FIXED (R101) HOME READY 5/1 LIBOR ARM (RA105) 2/2/5 HOME READY 7/1 LIBOR ARM (RA107) 5/2/5 4.000 101.322 101.266 101.213 3.125 95.397 95.345 95.288 4.250 98.147 98.092 98.040 4.125 101.724 101.668 101.615 3.250 95.766 95.714 95.657 4.375 98.439 98.384 98.332 4.250 102.146 102.097 102.014 3.375 96.134 96.082 96.025 4.500 98.712 98.657 98.606 4.375 102.634 102.585 102.502 3.500 96.513 96.461 96.404 4.500 103.118 103.070 102.987 3.625 96.891 96.839 96.782 4.625 103.394 103.346 103.263 3.750 100.647 100.592 100.541 4.750 103.641 103.585 103.494 3.875 100.924 100.869 100.818 4.875 104.069 104.013 103.923 4.000 101.202 101.148 101.096 5.000 104.445 104.389 104.299 4.125 101.465 101.410 101.359 5.125 104.767 104.712 104.621 4.250 101.768 101.713 101.662 5.250 104.922 104.868 104.747 5.375 105.223 105.170 105.049 5.500 105.544 105.491 105.370 5.625 105.740 105.651 105.493 FANNIE MAE HIGH BALANCE FIXED RATE PRICING FANNIE MAE HB 30-25 YEAR FIXED (101HB) FANNIE MAE HB 15 YEAR FIXED (115HB) FANNIE MAE HB 10 YEAR FIXED (110HB) 4.125 101.180 101.129 101.077 3.250 98.752 98.712 98.673 3.875 100.478 100.449 100.343 4.250 101.574 101.526 101.443 3.375 99.297 99.269 99.177 4.000 100.893 100.865 100.758 4.375 102.003 101.952 101.900 3.500 99.753 99.725 99.633 4.125 101.307 101.278 101.172 4.500 102.460 102.409 102.357 3.625 100.129 100.101 100.009 4.250 101.647 101.619 101.512 4.625 102.841 102.790 102.738 3.750 100.398 100.338 100.278 4.375 101.881 101.852 101.746 4.750 102.661 102.606 102.523 3.875 100.823 100.758 100.692 4.500 101.902 101.860 101.754 4.875 103.044 102.993 102.941 4.000 101.236 101.166 101.095 4.625 102.121 102.025 101.929 5.000 103.392 103.341 103.289 4.125 101.643 101.568 101.492 4.750 102.382 102.281 102.180 5.125 103.733 103.682 103.630 4.250 102.049 101.969 101.888 4.875 102.781 102.675 102.569 5.250 103.663 103.612 103.560 4.375 102.428 102.342 102.257 5.000 103.125 103.013 102.902 5.375 103.993 103.940 103.879 4.500 102.650 102.559 102.468 5.125 103.327 103.210 103.094 5.500 104.276 104.225 104.173 4.625 102.841 102.745 102.649 5.250 103.203 103.081 102.960 FANNIE MAE HIGH BALANCE ARM PRICING FANNIE MAE 5/1 HB LIBOR ARM (A105HB) 2/2/5 FANNIE MAE 7/1 HB LIBOR ARM (A107HB) 5/2/5 FANNIE MAE 10/1 HB LIBOR ARM (A110HB) 5/2/5 3.250 99.614 99.489 99.364 3.750 100.189 100.064 99.939 4.000 99.793 99.668 99.543 3.375 99.941 99.816 99.691 3.875 100.547 100.422 100.297 4.125 100.160 100.035 99.910 3.500 100.218 100.093 99.968 4.000 100.874 100.749 100.624 4.250 100.483 100.358 100.233 3.625 100.481 100.356 100.231 4.125 101.192 101.067 100.942 4.375 100.806 100.681 100.556 3.750 100.731 100.606 100.481 4.250 101.495 101.370 101.245 4.500 101.212 101.087 100.962 3.875 100.977 100.852 100.727 4.375 101.794 101.669 101.544 4.625 101.617 101.492 101.367 4.000 101.211 101.086 100.961 4.500 102.050 101.925 101.800 4.750 101.841 101.716 101.591 4.125 101.442 101.317 101.192 4.625 102.295 102.170 102.045 4.250 101.660 101.535 101.410 4.750 102.528 102.403 102.278 4.375 101.877 101.752 101.627 4.875 102.760 102.635 102.510 4.500 102.070 101.945 101.820 5.000 103.002 102.877 102.752 4.625 102.258 102.133 102.008 5.125 103.250 103.125 103.000 4.750 102.457 102.332 102.207 5.250 103.500 103.375 103.250
FREDDIE MAC FIXED RATE PRICING FREDDIE MAC 30 YEAR FIXED (201) FREDDIE MAC 25 YEAR FIXED (225) FREDDIE MAC 20 YEAR FIXED (220) 4.000 101.118 101.038 101.012 4.000 101.118 101.038 101.012 4.000 101.075 100.947 100.923 4.125 101.417 101.342 101.317 4.125 101.417 101.342 101.317 4.125 101.447 101.326 101.280 4.250 101.715 101.630 101.583 4.250 101.715 101.630 101.583 4.250 102.068 101.948 101.902 4.375 102.216 102.140 102.094 4.375 102.216 102.140 102.094 4.375 102.450 102.334 102.288 4.500 102.728 102.666 102.619 4.500 102.728 102.666 102.619 4.500 102.738 102.620 102.574 4.625 103.047 103.002 102.956 4.625 103.047 103.002 102.956 4.625 102.908 102.788 102.721 4.750 103.525 103.447 103.378 4.750 103.525 103.447 103.378 4.750 103.458 103.342 103.274 4.875 103.734 103.656 103.588 4.875 103.734 103.656 103.588 4.875 103.767 103.654 103.586 5.000 104.061 103.990 103.921 5.000 104.061 103.990 103.921 5.000 104.027 103.913 103.845 5.125 104.237 104.140 104.049 5.125 104.237 104.140 104.049 5.125 104.101 103.939 103.849 5.250 104.636 104.544 104.454 5.250 104.636 104.544 104.454 5.250 104.382 104.224 104.134 5.375 104.784 104.701 104.611 5.375 104.784 104.701 104.611 5.375 104.686 104.559 104.433 FREDDIE MAC 15 YEAR FIXED (215) FREDDIE MAC 10 YEAR FIXED (210) Rate 15-Day 30-Day 45-Day Rate 15-Day 30-Day 45-Day 3.500 100.424 100.328 100.304 3.500 100.174 100.078 100.054 3.625 100.986 100.892 100.868 3.625 100.736 100.642 100.618 3.750 101.361 101.265 101.241 3.750 101.161 101.065 101.041 3.875 101.731 101.642 101.618 3.875 101.531 101.442 101.418 4.000 101.955 101.859 101.813 4.000 101.755 101.659 101.613 4.125 102.502 102.410 102.365 4.125 102.302 102.210 102.165 4.250 102.891 102.795 102.750 4.250 102.691 102.595 102.550 4.375 103.237 103.141 103.096 4.375 103.037 102.941 102.896 4.500 103.198 103.107 103.016 4.500 102.612 102.521 102.430 4.625 103.494 103.398 103.302 4.625 102.980 102.865 102.796 4.750 103.610 103.497 103.429 4.750 103.410 103.297 103.229 4.875 103.777 103.665 103.597 4.875 103.577 103.465 103.397 5.000 101.319 101.284 101.248 FREDDIE MAC SUPER CONFORMING FIXED RATE PRICING FREDDIE MAC SC 30 YEAR FIXED (201SC) FREDDIE MAC SC 15 YEAR FIXED (215SC) FREDDIE MAC SC 10 YEAR FIXED (210SC) 4.250 100.994 100.943 100.891 3.750 100.800 100.704 100.680 3.250 99.468 99.328 99.326 4.375 101.528 101.477 101.425 3.875 101.170 101.081 101.057 3.375 99.798 99.656 99.654 4.500 101.985 101.934 101.882 4.000 100.952 100.882 100.811 3.500 99.864 99.768 99.744 4.625 102.366 102.315 102.263 4.125 101.442 101.350 101.305 3.625 100.425 100.331 100.307 4.750 102.276 102.198 102.129 4.250 101.881 101.800 101.720 3.750 100.800 100.704 100.680 4.875 102.569 102.518 102.466 4.375 102.311 102.225 102.139 3.875 101.170 101.081 101.057 5.000 102.917 102.866 102.814 4.500 102.678 102.587 102.496 4.000 100.895 100.799 100.753 5.125 103.258 103.207 103.155 4.625 102.974 102.878 102.782 4.125 101.442 101.350 101.305 5.250 103.188 103.137 103.085 4.750 102.062 101.961 101.860 4.250 101.831 101.735 101.690 5.375 103.507 103.456 103.404 4.875 102.441 102.335 102.228 4.375 102.177 102.081 102.036 5.500 103.801 103.750 103.698 5.000 101.802 101.695 101.605 5.625 104.078 104.027 103.975 5.125 102.171 102.065 101.974 HOME POSSIBLE CONFORMING PRICING HOME POSSIBLE 30 YEAR FIXED (HP201) HOME POSSIBLE 20 YEAR FIXED (HP220) HOME POSSIBLE 15 YEAR FIXED (HP215) 4.000 100.862 100.792 100.722 3.500 97.622 97.469 97.444 3.125 98.137 97.994 97.992 4.125 101.223 101.116 101.091 3.625 98.389 98.237 98.212 3.250 98.548 98.407 98.405 4.250 101.664 101.579 101.532 3.750 98.774 98.622 98.597 3.375 99.002 98.859 98.857 4.375 102.165 102.088 102.041 3.875 99.340 99.192 99.167 3.500 99.113 99.001 98.977 4.500 102.619 102.555 102.508 4.000 99.888 99.748 99.723 3.625 99.665 99.555 99.531 4.625 103.033 102.987 102.941 4.125 100.313 100.191 100.145 3.750 100.088 99.976 99.952 4.750 103.142 103.078 103.010 4.250 100.949 100.830 100.784 3.875 100.545 100.439 100.416 4.875 103.639 103.577 103.508 4.375 101.326 101.210 101.164 4.000 100.783 100.687 100.641 5.000 103.888 103.835 103.767 4.500 101.625 101.510 101.464 4.125 101.257 101.164 101.119 5.125 103.984 103.885 103.795 4.625 101.785 101.680 101.612 4.250 101.657 101.560 101.515 5.250 104.395 104.303 104.212 4.750 102.363 102.264 102.196 5.375 104.796 104.709 104.619 5.500 105.025 104.943 104.852 5.625 105.223 105.029 104.917 5.750 105.530 105.342 105.230
Investment Property 2-Units 3-4 Units (FIXED) 3-4 Units (ARMS) Condo (N/A for Detached Condos) Manufactured Homes FICO 620-639 (N/A for 15 Year Term or less) FICO 640-659 (N/A for 15 Year Term or less) FICO 660-679 (N/A for 15 Year Term or less) FICO 680-699 (N/A for 15 Year Term or less) FICO 700-719 (N/A for 15 Year Term or less) FICO 720-739 (N/A for 15 Year Term or less) FICO >=740 (N/A for 15 Year Term or less) Cash Out with FICO 620-639 Cash Out with FICO 640-659 Cash Out with FICO 660-679 Cash Out with FICO 680-699 Cash Out with FICO 700-719 Cash Out with FICO 720-739 Cash Out with FICO >= 740 Fixed - Purchase & Rate/Term Refin Fixed - Cash Out (in addition to standard Cash Out Adjustment) ARM - Purchase & Rate/Term Refi ARM - Cash Out (in addition to standard Cash Out Adjustment) AGENCY FIXED AND ARM ADJUSTMENTS *** Adjustments are to PRICE - Use all that apply. Adjustments are not representative of guidelines. <=60% 60.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97 -2.125-2.125-2.125-3.375-4.125 N/A N/A N/A -1.000-1.000-1.000-1.000-1.000-1.000-1.000 N/A -1.000-1.000-1.000-1.000-1.500-2.000-2.000 N/A -1.500-1.500-1.500-1.500 N/A N/A N/A N/A 0.000 0.000 0.000-0.750-0.750-0.750-0.750-0.750-2.000-2.000-2.000-2.000-2.000-2.000-2.000 N/A -1.500-3.000-3.000-3.250-3.250-3.250-3.500-1.250-2.750-3.000-3.250-2.750-2.750-2.750 0.000-1.000-2.250-2.750-2.750-2.250-2.250-2.250 0.000-1.250-1.750-1.500-1.250-1.250-1.500 0.000-1.000-1.250-1.000-1.000-1.000-1.500 0.000-0.750-1.000 0.000-0.750-0.625-1.625-1.625-3.125 N/A N/A N/A N/A -0.625-1.625-1.625-2.625 N/A N/A N/A N/A -0.625-1.125-1.125-1.875 N/A N/A N/A N/A -1.125-1.125-1.750 N/A N/A N/A N/A -1.000-1.000-1.125 N/A N/A N/A N/A -1.000-1.000-1.125 N/A N/A N/A N/A -0.625-0.625-0.875 N/A N/A N/A N/A High Balance or Super Conforming Adjustments N/A -1.000-1.000-1.000-1.000 N/A N/A N/A N/A -1.000-1.000-1.000-1.750-1.750-1.750-2.000 N/A -1.750-1.750-1.750-2.500 N/A N/A N/A N/A SUBORDINATE FINANCING LOAN AMOUNT ** LTV <= 75.00% <= 65.00% CLTV <= 80.00% 80.01% - 95.00% FICO < 720-0.875 FICO >=720-0.625 Loan Amt $75,000 <= $100,000 Loan Amt >$100,000 < = $150,000-1.000 65.01% - 75.00% 80.01% - 95.00% -1.125-0.875 MISCELLANEOUS 75.01% - 95.00% <= 95.00% 75.01% - 95.00% 95.01% - 97.00% -1.375-1.875-1.125-1.875 Texas Cash out > 6 Financed Properties Home Possible and Home Ready with Sub Financing (in lieu of Second Home LTV > 85% (Freddie Mac) adjustments above) Escrow Waiver (Non-CA) LENDER PAID MORTGAGE INSURANCE State Adjustors: NC or WA LSM Select: FICO => 700 & LTV<= 80% 0.300 80.01-85% 85.01-90% 90.01-95% 95.01-97% FICO 620-639 -2.150-5.250-6.900-8.850 HOMEREADY AND HOME POSSIBLE ADJUSTMENT FICO 640-659 -2.000-4.800-6.200-7.950 CAPS* FICO 660-679 -1.800-4.450-5.700-7.200 LTV > 80% AND FICO >= 680 0.000 FICO 680-699 -1.350-3.300-4.300-5.500 All other LTV & FICO combinations -1.500 FICO 700-719 FICO 720-739 FICO 740-759 FICO => 760-1.150-2.700-3.500-4.450-1.000-2.300-2.950-3.750-0.850-1.800-2.350-3.000-0.700-1.300-1.700-2.200 *Adjustment caps are only applicable to standard Agency Fixed/ARM and Subordinate Financing adjustments LENDER PAID MORTGAGE INSURANCE (Cash out or 3-4 Units not available) **Minimum Loan Amount $75,000** FICO 620-639 640-659 660-679 680-699 700-719 720-739 => 740 Second Home 1.350 1.270-1.230-0.700-0.700-0.490-0.390 Investment NA NA NA -1.750-1.750-1.330-1.190 ***All loan level price adjustments are cumulative*** Max Final Price including comp Cannot Exceed (4.00) for all Agency Programs
FHA FIXED RATE PRICING FHA 30-25 YEAR FIXED (301 & 325) FHA 20 YEAR FIXED (320) FHA 15 YEAR FIXED (315) 3.625 101.115 101.061 101.006 3.375 96.953 96.913 96.872 2.875 99.225 99.211 99.198 3.750 102.311 102.277 102.242 3.500 97.446 97.406 97.365 3.000 99.821 99.807 99.793 3.875 102.733 102.699 102.664 3.625 97.864 97.824 97.783 3.125 100.130 100.116 100.103 4.000 103.206 103.171 103.137 3.750 102.311 102.277 102.242 3.250 100.201 100.181 100.160 4.125 103.667 103.632 103.598 3.875 102.733 102.699 102.664 3.375 100.637 100.617 100.596 4.250 103.876 103.834 103.793 4.000 103.206 103.171 103.137 3.500 101.195 101.175 101.154 4.375 103.949 103.907 103.866 4.125 103.667 103.632 103.598 3.625 101.839 101.818 101.797 4.500 104.387 104.345 104.304 4.250 103.876 103.834 103.793 3.750 102.208 102.188 102.167 4.625 104.627 104.572 104.530 4.375 103.949 103.907 103.866 3.875 102.813 102.792 102.771 4.750 104.562 104.535 104.507 4.500 104.387 104.345 104.304 4.000 102.987 102.966 102.945 4.875 104.564 104.537 104.509 4.625 104.556 104.515 104.474 4.125 103.117 103.096 103.076 5.000 104.879 104.851 104.824 4.750 104.562 104.535 104.507 4.250 103.555 103.555 103.555 5.125 105.146 105.119 105.091 4.875 104.564 104.537 104.509 4.375 103.597 103.597 103.597 5.250 105.223 105.209 105.195 5.000 104.879 104.851 104.824 4.500 104.067 104.067 104.067 5.375 105.293 105.279 105.265 4.625 104.501 104.501 104.501 5.500 105.497 105.483 105.469 5.625 105.789 105.776 105.762 VA FIXED RATE PRICING VA 30-25 YEAR FIXED (401 & 425) VA 20 YEAR FIXED (420) VA 15 YEAR FIXED (415) 3.375 100.069 100.025 99.980 3.375 96.953 96.913 96.872 2.875 99.225 99.211 99.198 3.500 100.511 100.461 100.411 3.500 97.446 97.406 97.365 3.000 99.821 99.807 99.793 3.625 100.932 100.878 100.823 3.625 97.864 97.824 97.783 3.125 100.130 100.116 100.103 3.750 102.311 102.277 102.242 3.750 102.311 102.277 102.242 3.250 100.201 100.181 100.160 3.875 102.733 102.699 102.664 3.875 102.733 102.699 102.664 3.375 100.637 100.617 100.596 4.000 103.206 103.171 103.137 4.000 103.206 103.171 103.137 3.500 101.195 101.175 101.154 4.125 103.667 103.632 103.598 4.125 103.667 103.632 103.598 3.625 101.839 101.818 101.797 4.250 103.876 103.834 103.793 4.250 103.876 103.834 103.793 3.750 102.208 102.188 102.167 4.375 103.949 103.907 103.866 4.375 103.949 103.907 103.866 3.875 102.813 102.792 102.771 4.500 104.387 104.345 104.304 4.500 104.387 104.345 104.304 4.000 102.987 102.966 102.945 4.625 104.556 104.515 104.474 4.625 104.556 104.515 104.474 4.125 103.117 103.096 103.076 4.750 104.562 104.535 104.507 4.750 104.562 104.535 104.507 4.250 103.555 103.555 103.555 4.875 104.564 104.537 104.509 4.875 104.564 104.537 104.509 4.375 103.597 103.597 103.597 5.000 104.879 104.851 104.824 5.000 104.879 104.851 104.824 4.500 104.067 104.067 104.067 5.125 105.146 105.119 105.091 4.625 104.501 104.501 104.501 USDA / FHA $100 DOWN & 5/1 ARM PRICING USDA 30 YEAR FIXED (501) FHA $100 DOWN 30 YEAR FIXED (301 ($100)) FHA/VA 5/1 ARM (A305 & A405) 1/1/5 MARGIN - 2% 3.250 96.295 96.255 96.214 3.375 100.187 100.142 100.097 2.875 97.776 97.747 97.718 3.375 99.937 99.892 99.847 3.500 100.662 100.612 100.563 3.000 98.415 98.386 98.357 3.500 100.412 100.362 100.313 3.625 101.115 101.061 101.006 3.125 99.047 99.018 98.989 3.625 100.865 100.811 100.756 3.750 102.311 102.277 102.242 3.250 100.431 100.306 100.181 3.750 102.311 102.277 102.242 3.875 102.733 102.699 102.664 3.375 100.748 100.623 100.498 3.875 102.733 102.699 102.664 4.000 103.206 103.171 103.137 3.500 101.051 100.926 100.801 4.000 103.206 103.171 103.137 4.125 103.667 103.632 103.598 3.625 101.341 101.276 101.244 4.125 103.667 103.632 103.598 4.250 103.876 103.834 103.793 4.250 103.876 103.834 103.793 4.375 103.949 103.907 103.866 4.375 103.949 103.907 103.866 4.500 104.387 104.345 104.304 4.500 104.387 104.345 104.304 4.625 104.556 104.515 104.474 4.625 104.556 104.515 104.474 4.750 104.562 104.535 104.507 4.750 104.562 104.535 104.507 4.875 104.564 104.537 104.509 4.875 104.564 104.537 104.509 5.000 104.879 104.851 104.824 FHA HIGH BALANCE FIXED RATE PRICING FHA HB 30-25 YEAR FIXED (301HB) FHA HB 20 YEAR FIXED (320HB) FHA HB 15 YEAR FIXED (315HB) 3.750 100.896 100.846 100.810 3.750 100.879 100.844 100.810 3.250 98.732 98.712 98.691 3.875 101.372 101.322 101.275 3.875 100.966 100.931 100.897 3.375 99.169 99.148 99.127 4.000 101.836 101.786 101.739 4.000 101.568 101.534 101.499 3.500 99.627 99.606 99.585 4.125 102.288 102.238 102.191 4.125 102.119 102.085 102.051 3.625 100.220 100.199 100.178 4.250 102.356 102.314 102.273 4.250 102.356 102.314 102.273 3.750 100.613 100.592 100.571 4.375 102.493 102.443 102.396 4.375 102.389 102.347 102.306 3.875 100.917 100.897 100.876 4.500 102.914 102.864 102.817 4.500 102.697 102.655 102.614 4.000 100.951 100.930 100.910 4.625 103.324 103.268 103.227 4.625 102.706 102.665 102.624 4.125 101.062 101.041 101.020 4.750 102.880 102.779 102.678 4.750 102.726 102.699 102.671 4.875 102.996 102.930 102.915 4.875 102.728 102.700 102.673 5.000 103.376 103.305 103.295 5.125 103.748 103.671 103.666 5.250 103.248 103.234 103.220 5.375 103.459 103.372 103.372 5.500 103.810 103.718 103.718 VA HIGH BALANCE FIXED RATE PRICING VA HB 30-25 YEAR FIXED (401HB) VA HB 20 YEAR FIXED (420HB) VA HB 15 YEAR FIXED (415HB) 3.750 100.879 100.844 100.810 3.750 100.879 100.844 100.810 3.375 99.169 99.148 99.127 3.875 100.966 100.931 100.897 3.875 100.966 100.931 100.897 3.500 99.627 99.606 99.585 4.000 101.568 101.534 101.499 4.000 101.568 101.534 101.499 3.625 100.220 100.199 100.178 4.125 102.119 102.085 102.051 4.125 102.119 102.085 102.051 3.750 100.613 100.592 100.571 4.250 102.356 102.314 102.273 4.250 102.356 102.314 102.273 3.875 100.917 100.897 100.876 4.375 102.389 102.347 102.306 4.375 102.389 102.347 102.306 4.000 100.951 100.930 100.910 4.500 102.697 102.655 102.614 4.500 102.697 102.655 102.614 4.125 101.062 101.041 101.020 4.625 102.706 102.665 102.624 4.625 102.706 102.665 102.624 4.750 102.726 102.699 102.671 4.750 102.726 102.699 102.671 4.875 102.728 102.700 102.673 4.875 102.728 102.700 102.673 5.000 102.942 102.915 102.887 5.125 103.190 103.163 103.135 5.250 103.248 103.234 103.220 5.375 103.313 103.299 103.285 5.500 103.457 103.443 103.429
FHA FIXED RATE PORTFOLIO PRICING FHA 30-25 YEAR FIXED FICO < 620 (601 & 625) FHA 20 YEAR FIXED FICO < 620 (620) FHA 15 YEAR FIXED FICO < 620 (615) 3.625 99.978 99.968 99.963 3.250 98.535 98.525 98.520 2.750 97.488 97.478 97.473 3.750 100.497 100.461 100.435 3.375 99.016 99.006 99.001 2.875 97.734 97.724 97.719 3.875 100.873 100.863 100.858 3.500 99.497 99.487 99.482 3.000 97.918 97.908 97.903 4.000 101.365 101.355 101.350 3.625 99.978 99.968 99.963 3.125 98.039 98.029 98.024 4.125 101.798 101.788 101.783 3.750 100.410 100.400 100.395 3.250 99.133 99.113 99.092 4.250 102.141 102.117 102.092 3.875 100.873 100.863 100.858 3.375 99.297 99.287 99.282 4.375 102.040 102.030 102.025 4.000 101.365 101.355 101.350 3.500 99.610 99.596 99.576 4.500 102.501 102.491 102.486 4.125 101.798 101.788 101.783 3.625 100.050 100.037 100.016 4.625 102.942 102.932 102.927 4.250 102.051 102.027 102.002 3.750 100.738 100.728 100.723 4.750 102.729 102.693 102.657 4.375 102.040 102.030 102.025 3.875 100.984 100.974 100.969 4.875 102.860 102.850 102.845 4.500 102.501 102.491 102.486 4.000 101.168 101.158 101.153 5.000 102.393 102.369 102.353 4.625 102.942 102.932 102.927 4.125 101.498 101.479 101.457 5.125 102.800 102.776 102.760 4.750 102.639 102.603 102.567 4.250 101.912 101.892 101.871 5.250 103.182 103.158 103.142 4.875 102.860 102.850 102.845 4.375 101.797 101.787 101.782 5.375 102.540 102.522 102.505 5.000 102.353 102.329 102.313 4.500 101.980 101.973 101.965 5.125 102.740 102.716 102.700 4.625 102.367 102.367 102.349 5.250 103.092 103.068 103.052 4.750 102.680 102.680 102.661 VA FIXED RATE PORTFOLIO PRICING VA 30-25 YEAR FIXED FICO < 620 (701 & 725) VA 20 YEAR FIXED FICO < 620 (720) VA 15 YEAR FIXED FICO < 620 (715) 3.500 99.303 99.267 99.241 3.250 98.535 98.525 98.520 2.875 97.600 97.586 97.573 3.625 99.857 99.822 99.796 3.375 99.016 99.006 99.001 3.000 98.196 98.182 98.168 3.750 100.686 100.652 100.617 3.500 99.497 99.487 99.482 3.125 98.505 98.491 98.478 3.875 101.108 101.074 101.039 3.625 99.978 99.968 99.963 3.250 99.133 99.113 99.092 4.000 101.581 101.546 101.512 3.750 100.410 100.400 100.395 3.375 99.168 99.154 99.134 4.125 102.042 102.007 101.973 3.875 100.873 100.863 100.858 3.500 99.610 99.596 99.576 4.250 102.251 102.209 102.168 4.000 101.365 101.355 101.350 3.625 100.214 100.193 100.172 4.375 102.324 102.282 102.241 4.125 101.798 101.788 101.783 3.750 100.583 100.563 100.542 4.500 102.762 102.720 102.679 4.250 102.051 102.027 102.002 3.875 101.188 101.167 101.146 4.625 102.931 102.890 102.849 4.375 102.040 102.030 102.025 4.000 101.362 101.341 101.320 4.750 102.937 102.910 102.882 4.500 102.501 102.491 102.486 4.125 101.498 101.479 101.457 4.875 102.939 102.912 102.884 4.625 102.942 102.932 102.927 4.250 101.930 101.930 101.930 5.000 103.254 103.226 103.199 4.750 102.639 102.603 102.567 4.375 101.972 101.972 101.972 5.125 103.521 103.494 103.466 4.875 102.860 102.850 102.845 4.500 102.442 102.442 102.442 5.250 103.598 103.584 103.570 5.000 102.353 102.329 102.313 4.625 102.876 102.876 102.876 5.375 103.668 103.654 103.640 5.125 102.740 102.716 102.700 4.750 102.680 102.680 102.661 5.500 103.872 103.858 103.844 5.250 103.092 103.068 103.052 5.625 104.164 104.151 104.137 FHA HIGH BALANCE PORTFOLIO FIXED RATE PRICING FHA HB 30-25 YEAR FIXED FICO < 620 (601HB) FHA HB 20 YEAR FIXED FICO < 620 (620HB) FHA HB 15 YEAR FIXED FICO < 620 (615HB) 3.375 97.581 97.545 97.519 3.375 97.581 97.545 97.519 3.375 98.169 98.156 98.135 3.500 98.922 98.912 98.907 3.500 98.922 98.912 98.907 3.500 98.611 98.598 98.577 3.625 99.403 99.393 99.388 3.625 99.403 99.393 99.388 3.625 99.052 99.039 99.018 3.750 99.979 99.969 99.964 3.750 99.979 99.969 99.964 3.750 99.472 99.459 99.438 3.875 100.441 100.431 100.426 3.875 100.441 100.431 100.426 3.875 99.652 99.632 99.611 4.000 100.934 100.924 100.919 4.000 100.934 100.924 100.919 4.000 100.084 100.064 100.043 4.125 101.117 101.107 101.102 4.125 101.117 101.107 101.102 4.125 100.499 100.480 100.458 4.250 100.976 100.952 100.927 4.250 100.976 100.952 100.927 4.250 100.913 100.893 100.872 4.375 101.165 101.155 101.150 4.375 101.165 101.155 101.150 4.375 99.575 99.575 99.556 4.500 101.626 101.616 101.611 4.500 101.626 101.616 101.611 4.500 100.005 100.005 99.987 4.625 102.067 102.057 102.052 4.625 102.067 102.057 102.052 4.625 100.400 100.400 100.381 4.750 101.845 101.809 101.774 4.750 101.845 101.809 101.774 4.750 100.712 100.712 100.693 4.875 100.942 100.918 100.902 4.875 100.942 100.918 100.902 5.000 101.372 101.348 101.332 5.000 101.372 101.348 101.332 5.125 101.759 101.735 101.719 5.125 101.759 101.735 101.719 5.250 102.111 102.087 102.071 5.250 102.111 102.087 102.071 5.375 101.288 101.270 101.252 VA HIGH BALANCE PORTFOLIO FIXED RATE PRICING VA HB 30-25 YEAR FIXED FICO < 620 (701HB) VA HB 20 YEAR FIXED FICO < 620 (720HB) VA HB 15 YEAR FIXED FICO < 620 (715HB) 3.500 98.144 98.108 98.082 3.375 97.581 97.545 97.519 2.875 96.131 96.118 96.104 3.625 98.699 98.663 98.637 3.500 98.144 98.108 98.082 3.000 96.727 96.713 96.699 3.750 99.254 99.219 99.185 3.625 98.699 98.663 98.637 3.125 97.036 97.023 97.009 3.875 99.443 99.420 99.394 3.750 99.254 99.219 99.185 3.250 97.107 97.087 97.066 4.000 99.972 99.948 99.923 3.875 99.443 99.420 99.394 3.375 98.169 98.156 98.135 4.125 100.494 100.466 100.441 4.000 99.972 99.948 99.923 3.500 98.611 98.598 98.577 4.250 100.976 100.952 100.927 4.125 100.494 100.466 100.441 3.625 99.052 99.039 99.018 4.375 100.799 100.763 100.727 4.250 100.976 100.952 100.927 3.750 99.472 99.459 99.438 4.500 101.151 101.115 101.080 4.375 100.799 100.763 100.727 3.875 99.652 99.632 99.611 4.625 101.478 101.442 101.407 4.500 101.151 101.115 101.080 4.000 100.084 100.064 100.043 4.750 101.845 101.809 101.774 4.625 101.478 101.442 101.407 4.125 100.499 100.480 100.458 4.875 101.103 101.075 101.048 4.750 101.845 101.809 101.774 4.250 100.913 100.893 100.872 5.000 101.372 101.348 101.332 4.875 101.103 101.075 101.048 4.375 99.941 99.941 99.941 5.125 101.759 101.735 101.719 5.000 101.372 101.348 101.332 4.500 100.061 100.061 100.061 5.250 102.111 102.087 102.071 5.125 101.759 101.735 101.719 4.625 100.595 100.595 100.595 5.375 101.688 101.674 101.660 5.250 102.111 102.087 102.071 4.750 100.712 100.712 100.693 5.500 101.832 101.818 101.804 5.375 101.688 101.674 101.660 FICO ADJUSTMENTS GOVERNMENT ADJUSTMENTS Adjustments are to PRICE - Use all that apply. Adjustments are not representative of guidelines. MISCELLANEOUS FICO 660-679 VA IRRRL FICO 640-659 VA Cashout > 90% with FICO < 620 FICO 620-639 (Low Balance) -0.875 High Balance Cash Out (Portfolio Only) FICO 620-639 (High Balance) -1.125 Manual Underwrite with FICO < 620 (Full Doc Loans Only) FICO 600-619 (use FHA/VA Portfolio Pricing) 0.000 State Adjustors: NC or WA FICO 580-599 (use FHA/VA Portfolio Pricing) -1.000 VA Loan Amount > $950K FICO 560-579 (use FHA Port. Pricing - C/O or VA not allowed) -2.000 LSM Select: FICO => 680 & Loan Amts => $200K 0.350 FICO < 560 (use FHA Port. Pricing - C/O or VA not allowed) One Score (use FHA/VA Portfolio Pricing) -2.500 PROPERTY TYPE ADJUSTMENTS 3-4 Units -0.750 No FICO (use FHA Portfolio Pricing & Purchase Only) LOAN AMOUNT -1.500 Investment or 2nd Home (Streamline or IRRRL only) Manuf Home (Purchase or R/T) -1.500-1.500 Loan Amount $75,000 <= $100,000 Manuf Home (Cash Out) -2.500 **Max Final Price including Comp cannot exceed (5.00)** Click Here For CALHFA **CalFHA 60 day lock period = LSM 30 Day lock period CalHFA 90 day lock period = LSM 60 Day lock period**
PLATINUM NON-CONFORMING PURCHASE FIXED PRICING PLATINUM 30 YEAR FIXED PURCHASE (P201) PLATINUM 20 YEAR FIXED PURCHASE (P220) PLATINUM 15 YEAR FIXED PURCHASE (P215) 4.375 100.167 100.042 99.917 4.250 100.042 99.917 99.792 4.250 100.614 100.489 100.364 4.500 100.667 100.542 100.417 4.375 100.667 100.542 100.417 4.375 100.989 100.864 100.739 4.625 101.167 101.042 100.917 4.500 101.167 101.042 100.917 4.500 101.364 101.239 101.114 4.750 101.542 101.417 101.292 4.625 101.667 101.542 101.417 4.625 101.739 101.614 101.489 4.875 102.042 101.917 101.792 4.750 102.042 101.917 101.792 4.750 102.114 101.989 101.864 5.000 102.417 102.292 102.167 4.875 102.542 102.417 102.292 4.875 102.489 102.364 102.239 5.125 102.792 102.667 102.542 5.000 102.917 102.792 102.667 5.000 102.864 102.739 102.614 5.250 103.042 102.917 102.792 5.125 103.292 103.167 103.042 5.125 103.114 102.989 102.864 5.375 103.417 103.292 103.167 5.250 103.542 103.417 103.292 PLATINUM NON-CONFORMING PURCHASE ARM PRICING PLATINUM 5/1 LIBOR (2/2/5) MARGIN 2.25% (PA205) PLATINUM 7/1 LIBOR (2/2/5) MARGIN 2.25% (PA207) PLATINUM 10/1 LIBOR (2/2/5) MARGIN 2.25% (PA210) 3.875 100.361 100.236 100.111 3.875 100.236 100.111 99.986 4.000 99.816 99.691 99.566 4.000 100.861 100.736 100.611 4.000 100.736 100.611 100.486 4.125 100.191 100.066 99.941 4.125 101.236 101.111 100.986 4.125 101.111 100.986 100.861 4.250 100.566 100.441 100.316 4.250 101.611 101.486 101.361 4.250 101.486 101.361 101.236 4.375 100.941 100.816 100.691 4.375 101.986 101.861 101.736 4.375 101.861 101.736 101.611 4.500 101.316 101.191 101.066 4.500 102.361 102.236 102.111 4.500 102.236 102.111 101.986 4.625 101.691 101.566 101.441 4.750 102.066 101.941 101.816 PLATINUM NON-CONFORMING REFINANCE FIXED PRICING PLATINUM REFIN 30 YEAR FIXED (PR201) PLATINUM REFIN 20 YEAR FIXED (PR220) PLATINUM REFIN 15 YEAR FIXED (PR215) 4.500 100.417 100.292 100.167 4.375 100.417 100.292 100.167 4.250 100.364 100.239 100.114 4.625 100.917 100.792 100.667 4.500 100.917 100.792 100.667 4.375 100.739 100.614 100.489 4.750 101.292 101.167 101.042 4.625 101.417 101.292 101.167 4.500 101.114 100.989 100.864 4.875 101.792 101.667 101.542 4.750 101.792 101.667 101.542 4.625 101.489 101.364 101.239 5.000 102.167 102.042 101.917 4.875 102.292 102.167 102.042 4.750 101.864 101.739 101.614 5.125 102.542 102.417 102.292 5.000 102.667 102.542 102.417 4.875 102.239 102.114 101.989 5.250 102.792 102.667 102.542 5.125 103.042 102.917 102.792 5.000 102.614 102.489 102.364 5.375 103.167 103.042 102.917 5.250 103.292 103.167 103.042 5.125 102.864 102.739 102.614 5.375 103.667 103.542 103.417 PLATINUM NON-CONFORMING REFINANCE ARM PRICING PLATINUM 5/1 LIBOR (2/2/5) MARGIN 2.25% (PRA205) PLATINUM 7/1 LIBOR (2/2/5) MARGIN 2.25% (PRA207) PLATINUM 10/1 LIBOR (2/2/5) MARGIN 2.25% (PRA210) 3.875 100.111 99.986 99.861 4.000 100.486 100.361 100.236 4.125 99.941 99.816 99.691 4.000 100.611 100.486 100.361 4.125 100.861 100.736 100.611 4.250 100.316 100.191 100.066 4.125 100.986 100.861 100.736 4.250 101.236 101.111 100.986 4.375 100.691 100.566 100.441 4.250 101.361 101.236 101.111 4.375 101.611 101.486 101.361 4.500 101.066 100.941 100.816 4.375 101.736 101.611 101.486 4.500 101.986 101.861 101.736 4.625 101.441 101.316 101.191 4.500 102.111 101.986 101.861 4.750 101.816 101.691 101.566 Platinum Non-Conforming Price Adjustments Adjustments are to PRICE - Use all that apply. Adjustments are not representative of guidelines. Adjustments FICO/LTV Adjustments Investment Property (5/1 ARM N/A) 1.750 60.01% 70.01% 75.01% 80.01% FICO <=60% 3 Unit Property 0.375 to 70% to 75% to 80% to 85% (1) 4 Unit Property 1.000 800+ 0.750 0.625 0.500 0.375 0.000 Second Home 0.250 780-799 0.625 0.500 0.375 0.125 0.250 Loan Amt >$453,100 to <=$679,650 0.000 760-779 0.500 0.375 0.125 0.125 0.750 Loan Amount >=$1MM 0.125 740-759 0.375 0.125 0.125 0.375 1.375 Cash Out Refinance LTV <=50% 0.125 720-739 0.125 0.250 0.500 0.875 NA Cash Out Refinance LTV >50% <=60% 0.250 700-719 0.125 0.500 0.875 1.375 NA Cash Out Refinance LTV >60% Impound Waiver State Adjustors: NC or WA 0.375 0.250 0.375 (1) > 80% to 85% LTV Notes: 5/1 ARMS N/A > 80% LTV **Prices are indicative and subject to change without notice. Please log into LSM portal to obtain live lock pricing. **All loan level price adjustments are cumulative** Not all price adjustments are effective for all products. Please refer to LSM guide for complete eligibility rules. **Max Final Price Cannot Exceed (1.00)** Intended for use by mortgage professionals only and should not be distributed to borrowers, as defined by Section 226.2 of Regulation Z**