February 6, 2018 8:35:19 AM Specialty Lending s and Programs GreenBox Loans, Inc. 3250 Wilshire Blvd, #1900 Phone: (800) 919-1086 Gbox CA BRE License# 01300944 Gbox CA DBO License# 603L516 Gbox NMLS# 333659 Program 5000-ELITE-24BS & 5000-ELITE 12BS Page 2 Program 5000-24BS - 90% LTV Purchase and R&T Page 3 Program 5000-24BS-NP - Bank Statements w/580 FICO 12 Mos from Housing Event Page 4 Program 5000-12BS-PLUS - 80% LTV Page 5 Program 5000-FN - Traditional Income Documentation From Country of Origin Page 6 Program 5000-ELITE-FD - 60 Mos From Housing Event 60 Mos From BK $2.5M Max Ln Page 7 Program 5000-NP - 24 Mos From Housing Event 24 Mos From BK $2,000,000 Max Ln Page 8 Program 5000-RH - One Day Out of Foreclosure $2,000,000 Max Loan Page 9 Program 5000-1YR - One Year Tax Returns $2,000,000 Max Loan Page 10 Program 5000-INV - $2,000,000 Max Loan Amount NOO No Reserves No Ratios Page 11 Program 5000-INV-FN - Foreign National NOO No Reserves No Ratios Page 11 Program 5000-INV-DTI - Investment, 80% LTV, Rental Income to Qualify Page 12 Program 5000-ITIN - No Social Security Number Page 13 ** Please note that some products are not available on our web portal and require manual registration This rate sheet is only an indication of value. Pricing is subject to change without notice. Fees Program Type Underwriting Fee Processing Doc Fee Jumbo Full Doc A Paper $795 $295 * $200 Non-QM / Specialty / Non Prime $1,295 $295 $200 * On loans with contract processing PrePay Penalty Prepayment Penalty not allowed for individual borrowers but allowed for corporations and LLC's in IA, IL and NJ Prepayment Penalty not allowed in the states of KS, MD, MI, MN, MS, ND, NM, OH, PA and RI If subject property is located in one of these states, contact Lockdesk@greenboxloans.com for pricing Market Data Contact Details Pricing and Registration: lockdesk@greenboxloans.com Prime 4.250% Scenario and Underwriting: scenario@greenboxloans.com 1 yr Treasury 1.850% Wholesale Support Desk: wholesalesupport@greenboxloans.com 1 yr LIBOR 2.293% 1 mo LIBOR 1.789% Page 1 of 13
2/6/2018 8:35 AM ** 12 & 24 MONTH BANK STATEMENTS ELITE ** 5000-BS-ELITE $2,500,000 MAXIMUM LOAN AMOUNT UP TO 70% LTV 5000-24BS-ELITE & 5000-12BS-ELITE 5.000 (0.500) - Correspondent - Improve Pricing by 0.50 Points 4.875 (0.250) 4.750 0.000 4.625 0.500 4.500 1.000 Max Rebate 5/1 Arm 7/1 Arm Floor Margin 5000-BS-ELITE (0.500) 2/2/5 5/2/5 Start 3.500 <=60 60.01-65 65.01-70 LTV => 760 0.000 0.125 0.250 740-759 0.125 0.250 0.625 720-739 0.125 0.375 0.625 700-719 0.250 0.500 0.875 12 Month Bank Statement 0.000 0.000 0.250 Ln Amt > 1,500,000 0.375 0.375 0.375 Purpose Cash Out / Debt Consolidation 0.125 0.250 Occ Type Second Home 0.250 0.375 0.500 Non Owner 0.625 0.875 Prop Type Condo 0.125 0.250 0.250 Non-Warrantable Condo State Non-CA State (0.125) (0.125) (0.125) Amortization 7/1 0.125 0.125 0.125 30 Year Fixed 0.500 0.500 0.500 Interest Only 0.250 0.250 0.250 DTI > 43% Page 2 of 13
5000-24BS 5.625 0.000 5.500 5.375 0.250 0.500 5.250 0.750 24 MONTH BANK STATEMENTS 90% LTV PURCHASE & R/T UP TO $1,000,000 5000-24BS - Investment properties must have 2 year prepay - If subj. property is in a state that prohibits Pre-Payment, contact lock desk for pricing 5.125 1.000 Max Rebate 5/1 Arm 7/1 Arm Floor Margin 5000-24BS (0.500) 2/2/5 5/2/5 Start 4.000 2/6/2018 8:35 AM <=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 Credit Score > = 740 (0.375) (0.125) 0.000 0.250 0.500 1.125 720-739 (0.250) (0.125) 0.000 0.250 0.500 1.125 700-719 (0.125) 0.000 0.125 0.375 0.750 1.500 680-699 0.000 0.125 0.500 0.750 1.000 1.875 660-679 0.250 0.375 0.625 1.000 1.250 Loan Amt < $250,000 0.250 0.250 0.250 0.250 0.250 0.250 > $750,000 (0.125) (0.125) (0.125) (0.125) 0.000 0.000 > $1,000,000 (0.125) (0.125) (0.125) 0.125 0.250 0.250 > $1,500,000 0.250 0.250 0.250 0.250 0.250 Purpose Cash Out 0.250 0.250 0.375 0.500 0.500 Occ Type Second Home 0.250 0.375 0.375 0.500 0.500 Non Owner 0.500 0.875 1.125 1.250 1.250 Prop Type Condo 0.125 0.125 0.250 0.375 0.375 0.375 Non-Warrantable Condo 0.375 0.375 0.500 0.625 0.625 2-4 Units 0.125 0.125 0.250 0.375 0.375 0.375 Amort Type Interest Only 0.250 0.250 0.250 0.250 0.250 7/1 ARM 0.125 0.125 0.125 0.125 0.125 0.125 30 Year Fixed 0.375 0.375 0.375 0.375 0.375 0.375 DTI > 43% 0.000 0.000 0.000 0.125 0.125 0.125 Housing Event Seasoning < 24 Months 0.125 0.125 0.125 0.125 0.125 0.250 Prepay Penalty No Prepay 1.0 pts 1.0 pts 1.0 pts 1.0 pts 1.0 pts (NOO Only) 1 Year Prepay 0.250 0.250 0.250 0.250 0.250 3 Year Prepay (0.250) (0.250) (0.250) (0.250) (0.250) 85.01-90 1.500 1.500 0.250 0.000 0.125 0.375 0.250 Page 3 of 13
- Investment properties must 2 year prepay BANK STATEMENTS W/ 580 FICO 12 MONTHS FROM HOUSING EVENT 5000-24BS-NP 5000-24BS-NP 6.250 0.000 6.125 0.250 6.000 0.500 5.875 0.750 5.750 1.000 24 MONTH BANK STATEMENTS - If subj. property is in a state that prohibits Pre-Payment, contact lock desk for pricing Max Rebate 5/1 Arm 7/1 Arm Floor Margin 5000-24BS-NP (0.500) 2/2/5 5/2/5 Start 4.500 2/6/2018 8:35 AM <=60 60.01-65 65.01-70 70.01-75 75.01-80 Credit Score > = 700 (0.375) (0.125) 0.000 0.375 0.750 680-699 (0.250) (0.125) 0.125 0.625 0.875 660-679 (0.125) 0.125 0.375 0.875 1.250 640-659 0.250 0.500 0.750 1.250 1.750 620-639 0.375 0.750 1.250 1.750 2.375 600-619 0.875 1.000 1.500 1.875 2.500 580-599 1.250 1.375 1.750 2.375 3.000 Loan Amt > $750,000 (0.125) (0.125) (0.125) (0.125) (0.125) > $1,000,000 (0.125) (0.125) (0.125) 0.125 0.250 > $1,500,000 0.125 0.125 0.250 Purpose Cash Out 0.250 0.250 0.375 0.500 Occ Type Second Home 0.375 0.500 0.500 0.625 0.625 Non Owner 0.625 0.750 1.000 Prop Type Condo 0.000 0.125 0.250 0.375 0.375 Non-Warrantable Condo 0.250 0.375 0.500 0.625 0.625 2-4 Units 0.125 0.250 0.375 0.500 0.500 Amort Type 7/1 ARM 0.125 0.125 0.125 0.125 0.125 30 Year Fixed 0.375 0.375 0.375 0.375 0.375 DTI > 43% 0.000 0.000 0.000 0.125 0.125 Prepay Penalty No Prepay 1.0 pts 1.0 pts 1.0 pts (NOO Only) 1 Year Prepay 0.250 0.250 0.250 3 Year Prepay (0.250) (0.250) (0.250) Page 4 of 13
5000-12BS PLUS 12 MONTH BANK STATEMENTS PLUS $2,500,000 MAXIMUM LOAN AMOUNT UP TO 75% LTV 5000-12BS PLUS 2/6/2018 8:35 AM 5.250 0.000 Max Rebate 5/1 Arm 7/1 Arm Floor Margin 5000-12BS PLUS 0.000 2/2/5 5/2/5 Margin 4.000 <=60 60.01-65 65.01-70 70.01-75 75.01-80 Credit Score > = 720 0.000 0.125 0.375 0.625 1.000 700-719 0.125 0.375 0.875 1.125 1.250 680-699 0.375 0.625 1.125 1.375 1.500 Loan Amt < $150,000 < $250,000 0.625 0.625 0.750 0.750 0.750 >= $250,000 <= $600,000 0.250 0.250 0.250 0.250 0.250 > $600,000 <= $1,000,000 0.000 0.000 0.000 0.125 0.125 > $1,000,000 <= $1,500,000 0.000 0.000 0.000 0.000 0.125 > $1,500,000 0.250 0.250 0.250 0.250 Purpose Cash Out 0.250 0.250 0.375 0.500 0.500 Occ Type Second Home 0.500 0.500 0.500 0.500 0.500 Prop Type Condo 0.000 0.000 0.000 0.000 0.125 2-4 Units 0.250 0.250 0.250 0.250 0.250 Amort Type Interest Only (ARMs Only) 0.125 0.125 0.250 0.250 0.375 7/1 ARM 0.250 0.250 0.250 0.125 0.125 30 Year Fixed 0.750 0.750 0.750 0.625 0.625 DTI > 43% Use of Business Bank Statements / Co-mingled (for business & personal use): 5% Reduction to LTV; 75% Max LTV Page 5 of 13
- Investment properties have 2 year prepay TRADITONAL INCOME DOCUMENTATION FROM COUNTRY OF ORIGIN 5000-FN 5000-FN - If subj. property is in a state that prohibits Pre-Payment, contact lock desk for pricing 6.250 0.000 6.125 0.250 6.000 0.500 5.875 0.750 FOREIGN NATIONAL LOAN 5.750 1.000 Max Rebate 5/1 Arm 7/1 Arm Floor Margin 5000-FN 0.000 2/2/5 5/2/5 Start 5.000 2/6/2018 8:35 AM <=60 60.01-65 65.01-70 Loan Amt > $1,000,000 0.000 0.000 0.125 Purpose Cash Out 0.000 0.250 0.375 Occ Type Second Home 0.000 0.250 0.500 Non Owner 0.125 0.500 Prop Type Condo 0.000 0.125 0.250 Non-Warrantable Condo 0.250 0.375 2-4 Units 0.000 0.125 0.250 Amort Type Interest Only 0.125 0.125 0.125 7/1 ARM 0.125 0.125 0.125 30 Year Fixed 0.375 0.375 0.375 Prepay Penalty No Prepay 1.0 pts 1.0 pts 1.0 pts (NOO Only) 1 Year Prepay 0.250 0.250 0.250 3 Year Prepay (0.250) (0.250) (0.250) Page 6 of 13
- Full Doc Only ELITE - FULL DOC 60 MOS FROM HOUSING EVENT 60 MOS FROM BANRUPTCY $2,500,000 MAX LOAN 5000-ELITE-FD 5000-ELITE-FD 2/6/2018 8:35 AM 4.875 (0.500) 4.750 (0.250) 4.625 0.000 4.500 0.500 4.375 1.000 Max Rebate 5/1 Arm 7/1 Arm Floor Margin 5000-ELITE-FD (0.500) 2/2/5 5/2/5 Start 3.500 <=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 LTV => 760 (0.125) 0.000 0.000 0.125 0.250 0.500 740-759 0.000 0.000 0.125 0.250 0.250 0.500 720-739 0.000 0.125 0.125 0.250 0.375 0.625 700-719 0.125 0.250 0.500 0.625 0.750 1.125 680-699 0.125 0.375 0.625 1.000 1.250 1.625 Ln Amt > 1,500,000 0.375 0.375 0.375 0.375 Purpose Cash Out / Debt Consolidation 0.125 0.250 0.375 Occ Type Second Home 0.250 0.375 0.500 Non Owner 0.625 0.625 0.875 Prop Type Condo 0.125 0.250 0.250 0.250 0.250 0.375 Non-Warrantable Condo State Non-CA State (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) Amortization 7/1 0.125 0.125 0.125 0.125 0.125 0.125 30 Year Fixed 0.500 0.500 0.500 0.500 0.500 0.500 Interest Only 0.250 0.250 0.250 0.250 DTI > 43% Page 7 of 13
- Investment properties have 2 year prepay 24 MOS FROM HOUSING EVENT 24 MOS FROM BANRUPTCY $2,000,000 MAX LOAN 5000-NP 5000-NP 5.625 0.000 5.500 0.250 5.375 0.500 5.250 0.750 NON-PRIME FULL DOC - If subj. property is in a state that prohibits Pre-Payment, contact lock desk for pricing 5.125 1.000 Max Rebate 5/1 Arm 7/1 Arm Floor Margin 5000-NP (0.500) 2/2/5 5/2/5 Start 4.500 2/6/2018 8:35 AM <=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 Credit Score > = 720 (0.250) (0.125) 0.000 0.000 0.375 0.875 700-719 (0.125) 0.000 0.000 0.250 0.500 1.125 680-699 0.000 0.000 0.250 0.500 0.750 1.500 660-679 0.000 0.125 0.250 0.500 0.875 1.750 640-659 0.375 0.500 0.625 1.000 1.500 620-639 0.500 0.750 1.125 1.500 2.000 600-619 1.000 1.125 1.500 1.875 2.500 Loan Amt > $750,000 (0.125) (0.125) (0.125) (0.125) 0.000 0.000 > $1,000,000 < $1,500,000 (0.125) (0.125) (0.125) 0.000 0.125 0.250 > = $1,500,000 0.125 0.125 0.125 0.125 0.250 0.250 Purpose Cash Out 0.250 0.250 0.375 0.500 0.500 0.625 Occ Type Second Home 0.375 0.375 0.500 0.500 0.500 Investment 0.375 0.500 0.750 1.000 1.250 Prop Type Condo 0.000 0.000 0.000 0.125 0.125 0.125 Non-Warrantable Condo 0.250 0.250 0.250 0.375 0.375 2-4 Units 0.000 0.000 0.000 0.125 0.250 0.500 Amort Type 7/1 ARM 0.125 0.125 0.125 0.125 0.125 0.125 30 Year Fixed 0.375 0.375 0.375 0.375 0.375 0.375 Interest Only 0.125 0.125 0.125 0.250 0.250 Delinq Adj >1x30x12 0.250 0.250 0.375 0.375 0.375 0.375 Trade Lines Limited 0.500 0.500 0.500 0.500 0.500 DTI > 43% 0.000 0.000 0.000 0.125 0.125 0.250 Prepay Penalty No Prepay 1.0 pts 1.0 pts 1.0 pts 1.0 pts 1.0 pts (NOO Only) 1 Year Prepay 0.250 0.250 0.250 0.250 0.250 3 Year Prepay (0.250) (0.250) (0.250) (0.250) (0.250) 85.01-90 1.375 1.500 1.875 0.000 0.250 0.125 0.375 0.375 Page 8 of 13
ONE DAY OUT OF FORECLOSURE $2,000,000 MAX LOAN 5000-RH 5000-RH 6.250 5.875 0.750 NON-PRIME - RECENT HOUSING - FULL DOC 0.000 6.125 0.250 6.000 0.500 5.750 1.000 - Investment properties have 2 year prepay - If subj. property is in a state that prohibits Pre-Payment, contact lock desk for pricing Max Rebate 5/1 Arm 7/1 Arm Floor Margin 5000-RH (0.500) 2/2/5 5/2/5 Start 4.500 <=60 60.01-65 65.01-70 70.01-75 75.01-80 Credit Score > = 720 (0.375) (0.125) 0.000 0.125 0.500 700-719 (0.375) (0.125) 0.000 0.125 0.500 680-699 (0.250) 0.000 0.125 0.375 0.750 660-679 0.000 0.125 0.375 0.625 1.125 640-659 0.125 0.375 0.625 1.000 1.625 620-639 0.375 0.750 1.000 1.375 1.875 600-619 0.625 0.875 1.250 1.750 2.250 580-599 1.000 1.250 1.625 2.125 2.625 540-579 1.500 1.750 2.125 2.750 500-539 1.500 1.750 2.125 Loan Amt > $750,000 (0.125) (0.125) (0.125) (0.125) 0.000 > $1,000,000 < $1,500,000 (0.125) (0.125) (0.125) 0.000 > = $1,500,000 0.125 0.125 0.250 Purpose Cash Out 0.500 0.500 0.500 0.500 Occ Type Second Home 0.375 0.375 0.500 0.500 Investment =>620 0.250 0.500 0.625 Investment <620 0.750 1.000 1.500 Prop Type Condo 0.000 0.000 0.000 0.125 0.250 Non-Warrantable Condo 0.250 0.250 0.250 0.375 0.625 2-4 Units 0.000 0.000 0.000 0.125 0.250 Amort Type 7/1 ARM 0.125 0.125 0.125 0.125 0.125 30 Year Fixed 0.375 0.375 0.375 0.375 0.375 Trade Lines Limited 0.500 0.500 0.500 0.500 0.500 DTI > 43% 0.000 0.000 0.000 0.125 0.250 Prepay Penalty No Prepay 1.0 pts 1.0 pts 1.0 pts 1.0 pts 1.0 pts (NOO Only) 1 Year Prepay 0.250 0.250 0.250 0.250 0.250 2/6/2018 8:35 AM 3 Year Prepay (0.250) (0.250) (0.250) (0.250) (0.250) Page 9 of 13
5000-1YR 1 YEAR TAX RETURNS 85% LTV PURCHASE $2,000,000 MAX LOAN 5000-1YR 2/6/2018 8:35 AM 6.250 (0.500) 6.125 (0.250) 6.000 0.000 5.875 0.375 Max Rebate 5/1 Arm 7/1 Arm Floor Margin 5.750 0.750 5000-1YR (0.500) 2/2/5 5/2/5 Start 5.000 <=60 60.01-65 65.01-70 70-01.75 75.01-80 80.01-85 LTV => 720 (0.375) (0.250) (0.125) 0.250 0.500 1.000 700-719 (0.250) (0.125) 0.125 0.250 0.500 1.250 680-699 (0.250) (0.125) 0.375 0.500 0.750 1.625 660-679 0.125 0.250 0.750 0.750 1.250 640-659 0.375 0.750 1.125 1.375 1.875 620-639 0.625 0.875 1.625 1.625 2.500 Ln Amt > 1,500,000 0.375 0.375 0.375 0.375 Purpose Cash Out 0.250 0.375 0.375 0.375 Occ Type Second Home 0.250 0.375 0.500 0.500 Non Owner 0.500 0.750 0.875 Prop Type Condo 0.125 0.250 0.250 0.250 0.250 Non-Warrantable Condo 0.500 0.625 0.875 1.000 Amortization 7/1 0.250 0.250 0.250 0.250 0.250 0.250 30 Year Fixed 0.375 0.375 0.375 0.375 0.375 0.375 Interest Only DTI > 43% 0.125 0.125 0.125 0.125 0.250 0.250 * Purchase Only Page 10 of 13
7.250 0.000 7.125 0.250 7.000 0.500 6.875 0.750 6.750 1.000 INVESTMENT EXPRESS - Investment properties have 3 year prepay $2,000,000 MAX LOAN AMOUNT NON-OWNER OCCUPIED NO RESERVES NO RATIOS 5000-INV-PP & 5000-INV-FN-PP 5000-INV-PP 5000-INV-FN-PP 3/1 LIBOR ARM - If subj. property is in a state that prohibits Pre-Payment, contact lock desk for pricing Max Rebate 3/1 Arm 5/1 Arm 7/1 Arm Floor Margin 5000-INV-PP 0.000 2/2/6 2/2/6 5/2/5 Start 6.000 2/6/2018 8:35 AM <=55 55.01-60 60.01-65 65.01-70 70.01-75 Credit Score > = 740 (0.750) (0.500) (0.500) (0.375) 0.125 (Does not apply to 720-739 (0.625) (0.500) (0.375) (0.250) 0.625 Foreign Nationals) 700-719 (0.375) (0.250) (0.250) 0.000 1.000 680-699 (0.250) (0.125) 0.000 0.125 1.375 660-679 0.000 0.000 0.000 0.250 1.750 640-659 0.000 0.250 0.375 0.625 1.875 Loan Amt > = $1,500,000 0.000 0.000 0.000 0.125 Purpose & Term 0.000 0.000 0.000 0.000 0.000 Cash Out 0.250 0.250 0.375 0.500 Prop Type Non Warrantable Condo 0.250 0.250 0.250 0.250 0.250 Prepay Penalty No PrePay 1.25 pts 1.25 pts 1.25 pts 1.25 pts 1.25 pts 1 Yr PrePay 0.500 0.500 0.500 0.500 0.500 2 Yr Prepay 0.250 0.250 0.250 0.250 0.250 Amort Type Interest Only 0.125 0.125 0.125 0.125 0.125 5/1 ARM 0.125 0.125 0.125 0.125 0.125 7/1 ARM 0.250 0.250 0.250 0.250 0.250 30 Year Fixed 0.500 0.500 0.500 0.500 0.500 Foreign National 0.375 0.500 0.625 0.750 Page 11 of 13
INVESTMENT EXPRESS - Investment properties have 3 year prepay $2,000,000 MAX LN AMT NON-OWNER OCCUPIED QUALIFY ON RENTAL INCOME 5000-INV-DTI-PP 5000-INV-DTI-PP 3/1 LIBOR ARM 6.875 0.000 6.750 0.250 6.625 0.500 6.500 0.750 6.375 1.000 - If subj. property is in a state that prohibits Pre-Payment, contact lock desk for pricing Max Rebate 3/1 Arm 5/1 Arm 7/1 Arm Floor Margin 5000-INV-DTI-PP 0.000 2/2/6 2/2/6 5/2/5 Start 6.000 2/6/2018 8:35 AM <=55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-80 Credit Score > = 720 (0.625) (0.500) (0.375) (0.250) 0.500 0.750 700-719 (0.375) (0.250) (0.250) 0.000 1.125 1.500 680-699 (0.250) (0.125) 0.000 0.125 1.375 660-679 0.000 0.000 0.000 0.375 1.625 640-659 0.000 0.250 0.500 0.625 620-639 0.375 0.375 0.625 0.875 Loan Amt => $1,500,000 0.000 0.000 0.000 0.125 Purpose Cash Out 0.250 0.250 0.375 0.375 Prop Type Non Warrantable Condo 0.500 0.500 0.500 0.500 0.500 2-4 Units 0.000 0.000 0.000 0.125 0.250 Prepay Penalty No PrePay 1.25 pts 1.25 pts 1.25 pts 1.25 pts 1.25 pts 1.25 pts 1 Yr PrePay 0.500 0.500 0.500 0.500 0.500 0.500 2 Yr Prepay 0.250 0.250 0.250 0.250 0.250 0.250 Amort Type Interest Only 0.125 0.125 0.125 0.125 0.125 0.125 5/1 ARM 0.125 0.125 0.125 0.125 0.125 0.125 7/1 ARM 0.250 0.250 0.250 0.250 0.250 0.250 30 Year Fixed 0.500 0.500 0.500 0.500 0.500 0.500 Page 12 of 13
ITIN - No Social Security Number - ARMs are Not Available - Borrower Paid Compensation Only Max Rebate 5000-ITIN 0.000 90% LTV PURCHASE / RATE & TERM REFINANCES UP TO $600,000 5000-ITIN 5000-ITIN 30 Year Fixed 7.500 0.000 7.375 0.250 7.250 0.500 7.125 0.750 7.000 1.000 2/6/2018 8:35 AM <=60 60.01-65 65.01-70 70-01.75 75-01.80 80-01.85 LTV 0.000 0.250 0.500 0.625 1.000 1.500 State CT, DE, FL, IL, LA, NJ, OK,PA 0.125 0.125 0.125 0.250 0.250 0.250 DTI > 43% 85.01-90 1.750 0.250 Page 13 of 13