Lock desk is open from 9:30am to 4:30am (ET). Rates and prices are considered expired outside that window. PROMOTION 0.25% Yield credit on Conventional Loans $200,000 or greater with credit score of 720+ up to 95% LTV. Rate locks apply for a particular borrower on a particular a new lock may be requested at the current market price without incurring the relock fee. Conventional Fixed Products 30 Year Fixed 20 Year Fixed Rate 30 Day Price 45 Day Price 60 Day Price Rate 30 Day Price 45 Day Price 60 Day Price 4.625 105.000 105.000 105.000 4.375 105.000 105.000 105.000 4.500 105.000 104.979 104.873 4.250 105.000 105.000 104.909 4.375 104.512 104.448 104.342 4.125 104.337 104.244 104.121 4.250 104.012 103.948 103.842 4.000 103.878 103.785 103.662 4.125 103.484 103.406 103.283 3.875 103.364 103.272 103.148 4.000 102.908 102.829 102.707 3.750 102.754 102.662 102.539 3.875 102.259 102.181 102.058 3.625 102.220 102.142 102.035 3.750 101.485 101.407 101.285 3.500 101.659 101.581 101.474 3.625 100.740 100.676 100.570 3.375 100.839 100.761 100.654 3.500 100.036 99.972 99.866 3.250 100.021 99.943 99.836 3.375 98.979 98.915 98.809 3.125 98.605 98.506 98.374 3.250 98.123 98.059 97.954 3.000 97.837 97.737 97.606 15 Year Fixed 10 Year Fixed 15 Year Fixed Seconds Rate 30 Day Price 45 Day Price 60 Day Price Rate 30 Day Price 45 Day Price 60 Day Price Credit Tier Rate 4.750 105.000 105.000 105.000 5.000 105.000 105.000 105.000 A+ (720+) 6.370 4.625 105.000 105.000 104.968 4.875 105.000 105.000 104.983 A (680-719) 6.570 4.500 105.000 105.000 105.000 4.750 104.988 104.907 104.810 B (660-679) 7.370 4.375 105.000 104.993 104.916 4.625 104.783 104.702 104.606 *Investment properties add 1.1% to rate 4.250 104.700 104.651 104.575 4.500 104.597 104.548 104.472 4.125 104.312 104.263 104.187 4.375 104.533 104.484 104.408 4.000 103.927 103.878 103.802 4.250 104.308 104.260 104.183 3.875 103.643 103.594 103.518 4.125 104.055 104.006 103.930 3.750 103.292 103.243 103.167 4.000 103.801 103.753 103.676 3.625 102.908 102.860 102.783 3.875 103.489 103.441 103.364 3.500 102.482 102.434 102.357 3.750 103.188 103.140 103.063 3.375 102.078 102.029 101.953 3.625 102.593 102.528 102.448 Prepared by Nathan.Hostetler@gtefinancial.org 12/6/2017 Page 1
Lock desk is open from 9:30am to 4:30am (ET). Rates and prices are considered expired outside that window. Rate locks apply for a particular borrower on a particular -5/1, 7/1, 10/1 ARM margin is 2.25% ARM Product Rate & Price Adjustments -5/5 ARM margin is 2.00% Conditions Rate/Price Adjustment a new lock may be requested at the current market price -5/1 and 5/5 ARM products have a 2/2/5 cap structure All Second Home ARMs Rate 0.250% without incurring the relock fee. -7/1 and 10/1 ARM have a 5/2/5 cap structure 5/5 $424,101+ 700-719 FICO Rate 0.250% -All ARMs indexed to the 1 Year Libor Rate 5/1, 7/1, 10/1 680-699 FICO Rate 0.250% Current 1 Year LIBOR Rate 5/5 $424,101-$750,000 MiniJum Rate 0.500% 1.960% 5/5 $750,001+ Jumbo ARM Rate 1.000% ARM Loan Amount Limits Construction ARMs Rate 0.500% Product Min Max *All adjustments are cumulative 5/1, 7/1, 10/1 $50,000 $424,100 5/5 ARM* $50,000 $1,250,000 5/5 Construction* $150,000 $1,250,000 ARM Products 5/1 ARM 5/5 ARM 5/5 ARM Construction 30yr Fixed Conversion Option for Construction Rate 30 Day Price 45 Day Price 60 Day Price Rate 30 Day Price 45 Day Price 60 Day Price Loans up to $424,100 4.625 101.062 100.981 100.900 4.875 101.062 100.981 100.900 4.000% 4.500 100.793 100.712 100.631 4.750 100.793 100.712 100.631 Construction loans are capped at 2% lender-paid 4.375 100.524 100.443 100.363 4.625 100.524 100.443 100.363 compensation and are charged a $1,395 upfront origination 4.250 100.256 100.175 100.094 4.500 100.256 100.175 100.094 fee rather than the usual FBO adjustment. 4.125 99.954 99.874 99.793 4.375 99.954 99.874 99.793 4.000 99.623 99.542 99.462 4.250 99.623 99.542 99.462 5/5 Medical and Dental Professional Program 3.875 99.292 99.211 99.130 4.125 99.292 99.211 99.130 Extended eligibility available for Medical and Dental 3.750 98.961 98.880 98.799 4.000 98.961 98.880 98.799 Professionals with MI through MGIC. Up to $650,000 up to 97% 3.625 98.585 98.504 98.423 3.875 98.585 98.504 98.423 LTV available with FICO score 720 and above. 7/1 ARM 10/1 ARM Rate 30 Day Price 45 Day Price 60 Day Price Rate 30 Day Price 45 Day Price 60 Day Price 4.625 100.666 100.586 100.505 5.000 101.542 101.461 101.381 4.500 100.359 100.278 100.197 4.875 101.242 101.161 101.081 4.375 100.051 99.970 99.889 4.750 100.942 100.861 100.781 4.250 99.743 99.662 99.581 4.625 100.558 100.477 100.396 4.125 99.382 99.302 99.221 4.500 100.141 100.060 99.979 4.000 98.973 98.892 98.812 4.375 99.724 99.643 99.562 3.875 98.564 98.483 98.402 4.250 99.306 99.226 99.145 3.750 98.155 98.074 97.993 4.125 98.805 98.724 98.643 3.625 97.696 97.616 97.535 4.000 98.271 98.190 98.109 Prepared by Nathan.Hostetler@gtefinancial.org 12/6/2017 Page 2
Lock desk is open from 9:30am to 4:30am (ET). Rates and prices are considered expired outside that window. Government products limited to purchase contracts only. Minimum FICO for FHA loans is 620 Rate locks apply for a particular borrower on a particular a new lock may be requested at the current market price without incurring the relock fee. 30 Year Fixed FHA Rate 30 Day Price 60 Day Price 4.625 105.000 105.000 4.500 105.000 104.940 4.375 104.976 104.726 4.250 104.763 104.513 4.125 104.549 104.299 4.000 104.335 104.085 3.875 103.778 103.528 3.750 103.220 102.970 3.625 102.663 102.413 3.500 102.106 101.856 3.375 101.418 101.168 3.250 100.731 100.481 Government Products Prepared by Nathan.Hostetler@gtefinancial.org 12/6/2017 Page 3
Lock desk is open from 9:30am to 4:30am (ET). Rates and prices are considered expired outside that window. Rate locks apply for a particular borrower on a particular a new lock may be requested at the current market price without incurring the relock fee. HARP Products 30 Year FNMA HARP 105 20 Year FNMA HARP 105 15 Year FNMA HARP 105 Rate 30 Day Price 45 Day Price 60 Day Price Rate 30 Day Price 45 Day Price 60 Day Price Rate 30 Day Price 45 Day Price 60 Day Price 4.875 105.000 105.000 105.000 4.625 105.000 105.000 105.000 5.000 105.000 105.000 105.000 4.750 105.000 105.000 104.948 4.500 104.999 104.920 104.814 4.875 104.976 104.911 104.818 4.625 104.584 104.520 104.414 4.375 104.485 104.406 104.300 4.750 104.712 104.647 104.554 4.500 104.068 104.004 103.898 4.250 104.119 104.041 103.934 4.625 104.401 104.336 104.243 4.375 103.537 103.473 103.367 4.125 103.362 103.269 103.146 4.500 104.409 104.360 104.284 4.250 103.037 102.973 102.867 4.000 102.903 102.810 102.687 4.375 104.316 104.268 104.191 4.125 102.509 102.431 102.308 3.875 102.389 102.297 102.173 4.250 103.975 103.926 103.850 4.000 101.933 101.854 101.732 3.750 101.779 101.687 101.564 4.125 103.587 103.538 103.462 3.875 101.284 101.206 101.083 3.625 101.245 101.167 101.060 4.000 103.202 103.153 103.077 3.750 100.510 100.432 100.310 3.500 100.684 100.606 100.499 3.875 102.918 102.869 102.793 3.625 99.765 99.701 99.595 3.375 99.864 99.786 99.679 3.750 102.567 102.518 102.442 3.500 99.061 98.997 98.891 3.250 99.046 98.968 98.861 3.625 102.183 102.135 102.058 30 Year FNMA HARP >105 20 Year FNMA HARP >105 15 Year FNMA HARP >105 Rate 30 Day Price 45 Day Price 60 Day Price Rate 30 Day Price 45 Day Price 60 Day Price Rate 30 Day Price 45 Day Price 60 Day Price 4.750 105.000 105.000 105.000 4.875 105.000 105.000 105.000 5.000 105.000 105.000 105.000 4.625 105.000 105.000 104.938 4.750 105.000 104.979 104.874 4.875 104.994 104.929 104.836 4.500 104.412 104.348 104.242 4.625 104.652 104.574 104.452 4.750 104.704 104.639 104.546 4.375 103.699 103.635 103.529 4.500 104.290 104.211 104.089 4.625 104.362 104.297 104.204 4.250 103.027 102.964 102.858 4.375 103.895 103.817 103.695 4.500 104.239 104.191 104.114 4.125 102.088 102.010 101.888 4.250 103.403 103.325 103.203 4.375 104.136 104.087 104.010 4.000 101.312 101.234 101.112 4.125 102.860 102.782 102.660 4.250 103.760 103.711 103.634 3.875 100.439 100.361 100.238 4.000 102.089 102.011 101.889 4.125 103.335 103.286 103.210 3.750 99.412 99.346 99.240 3.875 101.596 101.532 101.426 4.000 102.895 102.847 102.770 3.625 98.671 98.607 98.501 3.750 101.027 100.963 100.857 3.875 102.334 102.286 102.209 3.500 97.723 97.659 97.553 3.625 100.358 100.294 100.188 3.750 101.950 101.901 101.825 3.375 96.296 96.232 96.126 3.500 99.416 99.352 99.246 3.625 101.528 101.480 101.403 Prepared by Nathan.Hostetler@gtefinancial.org 12/6/2017 Page 4
Fannie Mae Adjustments and Caps (Non-HARP Programs) FNMA Agency FICO/LTV Adjustments (>15 Year Term, Non-HARP) FICO 60.00% 60.01-70.00% 70.01-75.00% 75.01-80.00% 80.01-85.00% 85.01-90.00% 90.01-95.00% 95.01-97.00% 740 0.000-0.250-0.250-0.500-0.250-0.250-0.250-0.750 720-739 0.000-0.250-0.500-0.750-0.500-0.500-0.500-1.000 700-719 0.000-0.500-1.000-1.250-1.000-1.000-1.000-1.500 680-699 0.000-0.500-1.250-1.750-1.500-1.250-1.250-1.500 660-679 0.000-1.000-2.250-2.750-2.750-2.250-2.250-2.250 640-659 -0.500-1.250-2.750-3.000-3.250-2.750-2.750-2.750 620-639 -0.500-1.500-3.000-3.000-3.250-3.250-3.250-3.500 <620-0.500-1.500-3.000-3.000-3.250-3.250-3.250-3.750 FNMA Eligible Mortgages - LLPA by Product LTV Range 60.00% 60.01-70.00% 70.01-75.00% 75.01-80.00% 80.01-85.00% 85.01-90.00% 90.01-95.00% 95.01-97.00% Manufactured -0.500-0.500-0.500-0.500-0.500-0.500-0.500 N/A Investment -2.125-2.125-2.125-3.375-4.125 N/A High LTV 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 2-unit property -1.000-1.000-1.000-1.000-1.000 N/A 3-4 unit property -1.000-1.000-1.000 N/A Condo 0.000 0.000 0.000-0.750-0.750-0.750-0.750-0.750 Cash Out Refinance (All Terms) FICO 60.00% 60.01-70.00% 70.01-75.00% 75.01-80.00% 80.01-85.00% 85.01-90.00% 90.01-95.00% 95.01-97.00% 740-0.375-0.625-0.625-0.875 720-739 -0.375-1.000-1.000-1.125 700-719 -0.375-1.000-1.000-1.125 680-699 -0.375-1.125-1.125-1.750 660-679 -0.625-1.125-1.125-1.875 640-659 -0.625-1.625-1.625-2.625 620-639 -0.625-1.625-1.625-3.125 <620-1.625-2.625-2.625-3.125 High-Balance Mortgages >$424,100 FNMA Mortgages with Subordinate Financing HomeReady LLPA Caps Purchase/Limited c/o Refi -0.250% -0.375% (All other LLPAs in table also apply) Feature LLPA Cap c/o Refinance -1.000% LTV Range CLTV Range CS <720 CS 720 680 Credit Score, >80% LTV 0.000% 65.00% 80.01%-95.00% -0.500-0.250 All other HomeReady 1.500% 65.01-75.00% 80.01%-95.00% -0.750-0.500 75.01-95.00% 90.01%-95.00% -1.000-0.750 75.01-90.00% 76.01%-90.00% -1.000-0.750 95.00% 95.01%-97% -1.500 Fannie Mae HARP Adjustments and Caps FNMA HARP II Cumulative LLPA Caps Principal Residences with LTV's >80% All Other Refi Plus Amortization Term LTV>80% Amortization Term LTV 105% LTV>105% >20 Years -0.750 >25 Years up to 30 Years -2.000-2.000 20 Years 0.000 25 Years -2.000-1.500 FNMA HARP II FICO/LTV Adjustments (>15 Year Term, HARP II Only) FICO 60.00% 60.01-70.00% 70.01-75.00% 75.01-80.00% 80.01-85.00% 85.01-90.00% 90.01-95.00% 95.01-97.00% 97.01-105.00% >105.00% 740 0.000-0.250-0.250-0.250 0.000 0.000 0.000 0.000 0.000 0.000 720-739 0.000-0.250-0.250-0.250 0.000 0.000 0.000 0.000 0.000 0.000 700-719 0.000-0.500-0.750-0.750-0.500-0.500-0.500-0.500-0.500-0.500 680-699 0.000-0.500-0.750-0.750-0.750-0.750-0.750-0.500-0.500-0.500 660-679 0.000-1.000-1.500-1.750-1.750-1.750-1.750-1.250-1.250-1.250 640-659 -0.500-1.250-2.000-2.250-2.250-2.250-2.250-1.750-1.750-1.750 620-639 -0.500-1.500-2.500-2.750-2.750-2.750-2.750-2.500-2.500-2.500 <620-0.500-1.500-3.000-3.000-3.000-3.000-3.000-3.000-3.000-3.000 FNMA HARP II Mortgages - LLPA by Product LTV Range 60.00% 60.01-70.00% 70.01-75.00% 75.01-80.00% 80.01-85.00% 85.01-90.00% 90.01-95.00% 95.01-97.00% 97.01-105.00% >105.00% Manufactured -0.500-0.500-0.500-0.500-0.500-0.500-0.500-0.500-0.500-0.500 Investment -2.125-2.125-2.125-3.375-4.125-4.125-4.125-4.125-4.125-4.125 Condo(1) 0.000 0.000 0.000-0.750-0.750-0.750-0.750-0.750-0.750-0.750 2-unit property -1.000-1.000-1.000-1.000-1.000-1.000-1.000-1.000-1.000-1.000 3-4 unit property -1.000-1.000-1.000-1.000-1.000-1.000-1.000-1.000-1.000-1.000 High Loan-to-Value >25 to 30Yr 0.000 0.000 0.000 0.000 0.000 0.000 0.000-0.500-1.000-1.000 >15 to 25Yr 0.000 0.000 0.000 0.000 0.000 0.000 0.000-0.500-1.000-0.500 15 Years 0.000 0.000 0.000 0.000 0.000 0.000 0.000-0.500-1.000-0.500 (1) Not Applicable to Refi Plus Mortgages with terms of 15 years or less, cooperatives, or detached condominiums High-Balance Mortgages >$424,100 FNMA HARP II Mortgages with Subordinate Financing All High-Balance Loans -0.250% -0.375% (All other LLPAs in table also apply) LTV Range CLTV Range CS <720 CS 720 65.01-75.00% 90.01-95.00% -0.500-0.250 75.01-95.00% 90.01-95.00% -0.500-0.250 75.01-90.00% 76.01-90.00% -0.250 0.000 Any >95.00% -1.500 Prepared by Nathan.Hostetler@gtefinancial.org 12/6/2017 Page 5
HLA Origination Fee All HLA loans will be assessed an origination fee of $1095. Prepared by Nathan.Hostetler@gtefinancial.org 12/6/2017 Page 6