et crescent mortgage companycrescentmortgage.net/crescentrates/cmc_rates.pdf · crescent mortgage...

10:25 AM

ET

www.crescentmortgage.com

Market Update:No Economic News Today.

Existing Home Sales Monday. FHFA House Price Index Tuesday.

30Yr. Bond Yield 2.997%, 10Yr. Bond Yield 2.867 as of 10:25 am ET

Marketing Department Information Table Of Contents

Email: [email protected] Page 2 Conventional Fixed and ARM

Page 3 FHA / VA and USDA

Page 4 & 5 Jumbo Fixed and ARM - Option I & II

Rates are good through: 10:30AM the following business day Page 6 DU Refi Plus

*** RATES SUBJECT TO CHANGE WITHOUT NOTICE. Page 7 LP Open Access

Page 8 DU High Balance & LP Super Conforming

Lock Periods

Lock Periods: 15-60 days15 Day - Approved Loans Only

Refer to our Pricing and Lock Policy on Document Express for lock extension and re-lock fees

https://www.crescentmortgage.com/DownloadFile.aspx?Query=Pjjnf$afkld$43q09j

Fees:

Conventional Conforming

FHA

VA Purchase Loans

VA Refinance Loans No Separate Admin Fee on VA Refinance Loans (See Rate Sheet for price adjustment)

Rural Housing

Jumbo Option I & II

Flood Cert

CRESCENT ACCOUNT EXECUTIVES

Bob Shellenberger, SVP Sales Mgr 727-638-1583

Amanda Scott AL, MS 251-377-2007

Annessa Frederick FL 239-222-4669

Aaron Enright IL, KS, MO 847-863-2257

Ashli Matson GA, SC 770-714-5417

Bob Shellenberger AZ, NM, CA, PA, NJ, TX 727-638-1583

Bob Capodieci CT, MA, ME, NH, VT, RI 603-930-5989

Casey Filburn OR, WA 360-609-8335

Dannie Hinton IN, KY, OH 812-697-4915

Dawn Cooley CO, ID, NV, UT, WY, MT 970-278-9328

Drais Von Hagen NC, TN, WV 865-607-5626

Ian Wright TX, OK 972-880-6018

Mike Sanley IA, KS, NE 402-525-6695

Peggy Tyre VA, DE, MD 804-836-6424

Rick McKinley IA, MI, MN, ND, SD, WI 763-458-4051

Jeanne Olson IA, MI, MN, ND, SD, WI 218-208-8259

Shy Tittlebaum LA, MS, AR, AL, OK, TX 225-810-6085

THIS RATE SHEET IS FOR MORTGAGE PROFESSIONALS ONLY, NOT FOR PUBLIC CONSUMPTION.

CMC Rates are price indications only and are subject to change without notice

$250

Wholesale Correspondent 1x CP Modification

$795

$795

$795

$600

$600

$600

$795

$795

$11

$600

$600

$11

Friday, July 20, 2018

Crescent Mortgage Company6600 Peachtree Dunwoody Rd NE, 600 Embassy Row Ste #650, Atlanta, GA 30328

(800) 851-0263

7/20/2018

https://www.crescentmortgage.com/DownloadFile.aspx?Query=Pjjnf$afkld$43q09j

DATE:

Conventional Conforming Fixed / ARM Effective 10:25 AM ET

EXPIRATION DATES (Must close by expiration date)

15 DAY 08/04/18 45 DAY 09/03/18

30 DAY 08/19/18 60 DAY 09/18/18 LIBOR 12 MONTH 2.807

15 Day Lock for Approved Loans only. FNMA 30 Day Yield 4.132

Fannie Mae Fixed Rate (DU) See Scenario Pricer for 10yr price FNMA Only

30 Year FNMA 20 Year FNMA 15 Year FNMA

15 Days 30 Days 45 Days 60 Days 15 Days 30 Days 45 Days 60 Days 15 Days 30 Days 45 Days 60 Days

5.125 103.900 103.800 103.650 103.400 5.125 104.122 104.022 103.872 103.622 4.990 103.083 102.983 102.833 102.583

5.000 103.604 103.504 103.354 103.104 5.000 103.846 103.746 103.596 103.346 4.875 102.898 102.798 102.648 102.398

4.990 103.454 103.354 103.204 102.954 4.990 103.726 103.626 103.476 103.226 4.750 102.706 102.606 102.456 102.206

4.875 103.152 103.052 102.902 102.652 4.875 103.454 103.354 103.204 102.954 4.625 102.654 102.554 102.404 102.154

4.750 102.711 102.611 102.461 102.211 4.750 103.033 102.933 102.783 102.533 4.500 102.339 102.239 102.089 101.839

4.625 101.979 101.879 101.729 101.479 4.625 102.374 102.274 102.124 101.874 4.490 102.219 102.119 101.969 101.719

4.500 101.245 101.145 100.995 100.745 4.500 101.658 101.558 101.408 101.158 4.375 102.159 102.059 101.909 101.659

4.490 101.090 100.990 100.840 100.590 4.490 101.503 101.403 101.253 101.003 4.250 101.956 101.856 101.706 101.456

4.375 100.701 100.601 100.451 100.201 4.375 101.161 101.061 100.911 100.661 4.125 101.611 101.511 101.361 101.111

4.250 100.177 100.077 99.927 99.677 4.250 100.658 100.558 100.408 100.158 4.000 101.077 100.977 100.827 100.577

4.125 99.501 99.401 99.251 99.001 4.125 100.092 99.992 99.842 99.592 3.990 100.922 100.822 100.672 100.422

4.000 98.716 98.616 98.466 98.216 4.000 99.350 99.250 99.100 98.850 3.875 100.520 100.420 100.270 100.020

3.990 98.596 98.496 98.346 98.096 3.990 99.255 99.155 99.005 98.755 3.750 100.008 99.908 99.758 99.508

3.875 98.160 98.060 97.910 97.660 3.875 98.854 98.754 98.604 98.354 3.625 99.774 99.674 99.524 99.274

Freddie Mac Fixed Rates (LP)

30 Year FHLMC 20 Year FHLMC 15 Year FHLMC

15 Days 30 Days 45 Days 60 Days 15 Days 30 Days 45 Days 60 Days 15 Days 30 Days 45 Days 60 Days

5.125 103.900 103.800 103.650 103.400 5.125 104.122 104.022 103.872 103.622 4.990 102.908 102.808 102.658 102.408

5.000 103.604 103.504 103.354 103.104 5.000 103.846 103.746 103.596 103.346 4.875 102.748 102.648 102.498 102.248

4.990 103.454 103.354 103.204 102.954 4.990 103.726 103.626 103.476 103.226 4.750 102.656 102.556 102.406 102.156

4.875 103.152 103.052 102.902 102.652 4.875 103.454 103.354 103.204 102.954 4.625 102.654 102.554 102.404 102.154

4.750 102.711 102.611 102.461 102.211 4.750 103.033 102.933 102.783 102.533 4.500 102.339 102.239 102.089 101.839

4.625 101.979 101.879 101.729 101.479 4.625 102.374 102.274 102.124 101.874 4.490 102.219 102.119 101.969 101.719

4.500 101.245 101.145 100.995 100.745 4.500 101.658 101.558 101.408 101.158 4.375 102.159 102.059 101.909 101.659

4.490 101.090 100.990 100.840 100.590 4.490 101.503 101.403 101.253 101.003 4.250 101.956 101.856 101.706 101.456

4.375 100.701 100.601 100.451 100.201 4.375 101.161 101.061 100.911 100.661 4.125 101.611 101.511 101.361 101.111

4.250 100.177 100.077 99.927 99.677 4.250 100.658 100.558 100.408 100.158 4.000 101.077 100.977 100.827 100.577

4.125 99.501 99.401 99.251 99.001 4.125 100.092 99.992 99.842 99.592 3.990 100.922 100.822 100.672 100.422

4.000 98.716 98.616 98.466 98.216 4.000 99.350 99.250 99.100 98.850 3.875 100.520 100.420 100.270 100.020

3.990 98.596 98.496 98.346 98.096 3.990 99.255 99.155 99.005 98.755 3.750 100.008 99.908 99.758 99.508

3.875 98.160 98.060 97.910 97.660 3.875 98.854 98.754 98.604 98.354 3.625 99.774 99.674 99.524 99.274

LIBOR ARM Adjustments for NO ADMIN FEE Program Only

5/1 LIBOR ARM 7/1 LIBOR ARM 10/1 LIBOR ARM 1 YR LIBOR

Rate 30 Days Rate 30 Days Rate 30 Days 2.807 -3.800

4.500 101.375 4.625 101.450 4.875 101.850 Margin -1.450

4.375 101.275 4.500 101.300 4.750 101.700 2.25 -1.200

4.250 101.025 4.375 101.100 4.625 101.425 -0.700

4.125 100.850 4.250 100.875 4.500 101.150 -0.550

4.000 100.550 4.125 100.525 4.375 100.850 -0.450

3.875 100.225 4.000 100.150 4.250 100.400 -0.400

3.750 99.875 3.875 99.775 4.125 99.925 -0.250

3.625 99.550 3.750 99.425 4.000 99.400 -0.200

3.500 99.200 3.625 99.000 3.875 98.850 -0.200

3.375 98.875 3.500 98.600 3.750 98.250 LTV > 90% adj -.250 -0.150

5/1, 7/1 & 10/1 LIBOR ARM NOTES : 45 Day Lock subtract 0.150 pt

5/1 Caps 2/2/5 , 1 Yr LIBOR, 2.25 Margin. 60 Day Lock subtract 0.400 pt

7/1 & 10/1 Caps 5/2/5, 1 Yr LIBOR, 2.25 Margin. *LP Approved - subtract .50pt from price

Risk Based Pricing LTV / Credit Score Grid Cash Out Refinances LTV / Credit Score Grid

Fannie 97

Credit Score< = 60 > 60 <= 70 >70 < = 75 >75 < = 80 >80 < = 85 >85 < = 90 >90 < = 95 >95 < = 97

Credit Score< = 60 > 60 <= 70 >70 < = 75 >75 < = 80

>= 740 0.000 -0.250 -0.250 -0.500 -0.250 -0.250 -0.250 -0.750 => 740 -0.375 -0.625 -0.625 -0.875

720 & <= 739 0.000 -0.250 -0.500 -0.750 -0.500 -0.500 -0.500 -1.000 >= 720 & <= 739 -0.375 -1.000 -1.000 -1.125

700 & <= 719 0.000 -0.500 -1.000 -1.250 -1.000 -1.000 -1.000 -1.500 >= 700 & <= 719 -0.375 -1.000 -1.000 -1.125

680 & <= 699 0.000 -0.500 -1.250 -1.750 -1.500 -1.250 -1.250 -1.500 >= 680 & <= 699 -0.375 -1.125 -1.125 -1.750

660 & <= 679 0.000 -1.000 -2.250 -2.750 -2.750 -2.250 -2.250 -2.250 >= 660 & <= 679 -0.625 -1.125 -1.125 -1.875

640 & <= 659 -0.500 -1.250 -2.750 -3.000 -3.250 -2.750 -2.750 -2.750 >= 640 & <= 659 -0.625 -1.625 -1.625 -2.625

620 & <= 639 -0.500 -1.500 -3.000 -3.000 -3.250 -3.250 -3.250 -3.500 >= 620 & <= 639 -0.625 -1.625 -1.625 NA

< 620 N/A N/A N/A N/A N/A N/A N/A N/A < 620 NA NA NA NA

Risk based pricing adjustments apply to all conventional conforming loans except Cash Out adjustments apply to all conventional loans.

loans with terms of 180 months or less. ** Texas Cash-Out under $100,000 additional price adj = -.50pt

Other Adjustments Subordinate Financing

Add to PriceLTV Range CLTV Range Score <720 Score >=720

Loan Amount (adjusters do not apply if NO ADMIN FEE program selected)<= 75% <= 80% -0.375 -0.375

>= $200,000 to Limit0.100 <= 65% >80% <=95% -0.875 -0.625

$50,000 to $99,999 -0.250 >65% <=75% >80% <=95% -1.125 -0.875

$25,000 to $49,999 -1.000 >75% <=95% >76% <=95% -1.375 -1.125

< $25,000 -2.000 Any >95% -1.500 -1.500

Second Home - Freddie Mac LP loans with LTV > 85% -0.250

Escrow Waiver -0.250 LPMI 80.01-85 85.01-90 90.01-95 95.01-97

State Adjusters (Fixed Rate Only) 30,25,20 Yr 15 & 10 Yr Primary - Purchase/RateTerm >=760 (0.700) (1.400) (1.850) (2.250)

TX 0.200 0.100 Primary - Purchase/Rate/Term 740-759 (0.850) (2.000) (2.600) (3.250)

CO, CT, FL, ID, LA, MA, ME, MS, NC, NH, NJ, RI, SD, TN, UT, VT, WA, WY -0.100 -0.100 Primary - Purchase/Rate/Term 720-739 (1.000) (2.450) (3.250) (4.150)

AL, AR, DE, IL, IN, KY, MD, MN, NE, NM, OH, VA, WI -0.150 -0.100 Primary - Purchase Only 680-719 (1.350) (3.600) (4.750) n/a

AZ, DC, IA, MI, MT, NV, WV -0.200 -0.150 Primary - Rate/Term 680-719 (1.880) (4.130) (5.280) n/a

CA -0.300 -0.200 SecondHome Purch/RateTerm >=760 (1.100) (2.250) n/a n/a

2 - 4 Units -1.000 SecondHome Purch/RateTerm 740-759 (1.100) (2.250) n/a n/a

Investment Property No Condos - Minimum $50,000 Loan Amt SecondHome Purch/RateTerm 720-739 (1.490) (2.940) n/a n/a

To MAX 85 LTV 1 Unit -4.125 Fannie Mae / Freddie Mac

To MAX 80 LTV 1 Unit -3.375 Multiple Financed Properties - INVESTOR and Second Home loans with

To MAX 75 LTV 1 - 4 Units -2.125 5 or more financed properties - Adjust pricing by -2.00 pt

Condos LTV > 75% -0.750

Manufactured Housing (Freddie Mac Only) -1.000 HomeReady/HomePossible - a cumulative Agency delivery fee cap applies.

Use Conv Fixed pricing above. Add price adjusters as needed

Other CMC fees may still apply (State, Loan Amt, Escrow Waiver,ManuFact Housing..).

*** Contact the marketing dept for 1x CP modification pricing

LTV > 80% and Credit Score >= 680 No Agency fees apply, other CMC fees will still apply

All other LTV ratios and credit score combinations Price Cap = 1.50pt

Non-Convertible

07/20/18

Loan Amount $200,000 to $224,999

Loan Amount $225,000 to $249,999

Loan Amount $250,000 to $274,999

Loan Amount $275,000 to Limit

Loan Amt Price Adjustments for No Admin Fee FNMA/FHLMC

Loan Amount $25,000 to $59,999



Loan Amount $100,000 to $124,999

Loan Amount $125,000 to $149,999

Loan Amount $150,000 to $174,999

Loan Amount $175,000 to $199,999

Date: 7/20/2018

GovernmentEffective 10:25 AM

15 DAY EXPIRATION DATE 08/04/18

30 DAY EXPIRATION DATE 08/19/18 15 day Locks For Approved Loans Only.



FHA/VA 30 Yr, 25 Yr, 20 Yr

15 Days 30 Days 45 Days 60 Days

5.250 104.550 104.450 104.300 104.000

5.125 104.434 104.334 104.184 103.884

5.000 104.372 104.272 104.122 103.822

4.875 104.229 104.129 103.979 103.679

4.750 104.090 103.990 103.840 103.540

4.625 103.985 103.885 103.735 103.435

4.500 103.558 103.458 103.308 103.008

4.375 102.851 102.751 102.601 102.301 FHA/VA 5/1 ARM - Caps 1/5 - Margin 2.00

4.250 102.265 102.165 102.015 101.715 15 Days 30 Days 45 Days 60 Days

4.125 101.830 101.730 101.580 101.280 3.500 97.931 97.831 97.681 97.381

4.000 101.291 101.191 101.041 100.741 3.375 97.561 97.461 97.311 97.011

3.250 97.181 97.081 96.931 96.631

FHA/VA 15 Yr 3.125 96.772 96.672 96.522 96.222

15 Days 30 Days 45 Days 60 Days 3.000 96.390 96.290 96.140 95.840

4.125 102.556 102.456 102.306 102.006 2.875 96.000 95.900 95.750 95.450

4.000 102.160 102.060 101.910 101.610 2.750 95.601 95.501 95.351 95.051

3.875 101.744 101.644 101.494 101.194

3.750 101.310 101.210 101.060 100.760 INDEX : 1 YR Treas : 2.360

3.625 100.458 100.358 100.208 99.908 VA IRRRL not allowed on VA 5/1 ARM

Price Tiers by State: For Fixed Only Add to Price: All Borrowers Must Have a Credit Score.

RI TX 0.150 Adjustments Based on All Borrowers Mid Score :

AL AR AZ DC ID IN MS OR TN VA WA WV -0.050 FHA Score 600-619 (1 Unit, Purchase Only) -2.500

CO DE MD OH -0.100 FHA / VA Score 620-639 -1.500

CA FL MI NJ NV UT WI -0.150 FHA / VA Score 640-679 -0.500

FHA / VA Score => 720 0.250

Loan Amount Price Adjusters (Does not apply to NO ADMIN FEE Option)

Total Loan Amount => $200,000 with Base Amt <=Conf Limit 0.100 VA Loans - All transactions -0.250

Total Ln Amt $75,000 to $99,999 -0.250 VA Cash Out over 90% LTV -0.500

Total Ln Amt $60,000 to $74,999 -0.375 VA Refinance Transactions -The No Admin Fee will be charged on all VA Refis See NoAdminFee Chart

Total Ln Amt $25,000 to $59,999 -1.000 FHA Streamline Refinance with CLTV over 100% -1.500

Total Ln Amt < $25,000 -2.000 20 Yr Term (Deduct from 30 Yr Price) -0.600

FHA High Balance - Over Conforming Limit (base loan amt) - 30 YR Fix ONLY -2.000

VA High Balance Loans - Over Conf Limit to $1,500,000 - 30 YR Fix ONLY -2.000

FHA/VA/RD - No Admin Fee Program

-3.800 CMC offers the ability to waive the Admin Fee on FHA or VA loans by reducing the price

-1.450 with the adjustments located to the left. All other FHA/VA adjustments shown above will apply with

-1.200 the exception of the additional loan amt adjustments above this program.

-0.700

-0.550 ALL VA Refinance Transactions will require this No Admin Fee

-0.450

-0.400

-0.250

-0.200

-0.200

-0.150

Crescent Mortgage Company FHA # 2084000006.Crescent Mortgage Company VA # 6402350000.

Please see website for FHA & VA Product Profiles.

RURAL HOUSING LOANS Minimum Score 640

*** Homebuyer education maybe required for first time homebuyers by the USDA office

15 Days 30 Days 45 Days 60 Days Price Tiers by State

5.250 103.622 103.522 103.372 103.072 AR, AZ, GA, IN, MN, NC, NM, OK, PA, RI, VT, WI 0.100

5.125 103.484 103.384 103.234 102.934 CO, DE, MA, MD, MT, ND, VA & WY. -0.150

5.000 103.372 103.272 103.122 102.822 CA, ID, MI, NJ, NV, OR, UT, WA. -0.250

4.875 103.229 103.129 102.979 102.679

4.750 102.990 102.890 102.740 102.440

4.625 102.785 102.685 102.535 102.235 Loan Amount Price Adjustment

4.500 102.408 102.308 102.158 101.858 $55,001 to $95,000 -0.500

4.375 101.901 101.801 101.651 101.351 $35,000 - $55,000 -1.000

Standard Streamline Refinance -0.500

REMINDER: RH 30 Streamlined Assist Refi -0.500

Crescent Mortgage will not close or purchase RD loans with the following commitment language: Score

"subject to the availability of Congressionally appropriated funds" Credit Score 640-679 -1.500


Loan Amt Price Adjustments for No Admin Fee FHA/VA/RH Program

Loan Amount $225,000 to $249,999

Loan Amount $250,000 to $274,999

Loan Amount $100,000 to $124,999




Loan Amount $275,000 to Limit

Loan Amount $125,000 to $149,999

Loan Amount $150,000 to $174,999

Loan Amount $175,000 to $199,999

Loan Amount $200,000 to $224,999

Date:

Jumbo Option I Effective 10:25 AM

EXPIRATION DATES :

15 DAY 08/04/18 45 DAY 09/03/18

LIBOR 12 MONTH 2.807 30 DAY 08/19/18 60 DAY 09/18/18

5/1 Jumbo ARM 2/2/5 Caps 15 Yr Jumbo

Rate 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day

4.250 101.884 101.484 101.134 4.875 101.492 101.442 101.042 100.692

4.125 101.704 101.304 100.954 4.750 101.374 101.324 100.924 100.574

4.000 101.268 100.868 100.518 4.625 101.309 101.259 100.859 100.509

3.875 100.821 100.421 100.071 4.500 100.996 100.946 100.546 100.196

3.750 100.666 100.266 99.916 4.375 100.622 100.572 100.172 99.822

3.625 100.479 100.079 99.729 4.250 100.349 100.299 99.899 99.549

3.500 100.170 99.770 99.420 4.125 99.959 99.909 99.509 99.159

7/1 Jumbo ARM 5/2/5 Caps

Rate 30 Day 45 Day 60 Day

4.375 101.660 101.260 100.910

4.250 101.354 100.954 100.604

4.125 101.038 100.638 100.288 Jumbo One Close CP Program4.000 100.765 100.365 100.015 Modification to 7/1 Jumbo LIBOR ARM 5/2/5 2.75 Margin

3.875 100.518 100.118 99.768 Rate 30 Day 45 Day 60Day3.750 100.412 100.012 99.662

3.625 99.987 99.587 99.237 4.625 101.660 101.260 100.910

4.500 101.354 100.954 100.604

10/1 Jumbo ARM 5/2/5 Caps 4.375 101.038 100.638 100.288

Rate 30 Day 45 Day 60 Day 4.250 100.765 100.365 100.015

4.125 100.518 100.118 99.768

4.625 101.674 101.274 100.924 4.000 100.412 100.012 99.662

4.500 101.457 101.057 100.707 3.875 99.987 99.587 99.237

4.375 101.108 100.708 100.358

4.250 100.847 100.447 100.097 Escrow Waiver -0.250

4.125 100.664 100.264 99.914 LTV > 70% -0.375

4.000 100.519 100.119 99.769 Second Home -0.500

3.875 100.183 99.783 99.433

All ARMsMargin 2.25 , Index 1 Yr Libor

Note - All loans that close with Crescent's fundsAdjustments for All Jumbo Products : Must close in name Crescent Mortgage Company.

Second Home -0.375 Interest Credit is not allowed.

Escrow Waiver -0.250

LTV >70% -0.375 All Jumbo Loans Must be Run DU

State: Texas and California -1.000

Please see website for JUMBO parameters.

For Primary Residence and Second Homes Only.


7/20/2018

Date:

Jumbo Option II Effective 10:25 AM

EXPIRATION DATES :

15 DAY 08/04/18 45 DAY 09/03/18

LIBOR 12 MONTH 2.807 30 DAY 08/19/18 60 DAY 09/18/18

5/1 Jumbo LIBOR ARM 2/2/5 Caps 2.25 Margin 30 Yr Jumbo II MAX NET PRICE = 102.00

Rate 30 Day 45 Day 60 Day MAX NET PRICE = 102.00 Rate 30 Day 45 Day 60 Day

4.500 101.077 100.927 100.777 5.375 102.091 101.941 101.791

4.375 100.804 100.654 100.504 5.250 101.900 101.750 101.600

4.250 100.461 100.311 100.161 5.125 101.727 101.577 101.427

4.125 100.221 100.071 99.921 5.000 101.498 101.348 101.198

4.000 99.964 99.814 99.664 4.875 101.175 101.025 100.875

3.875 99.699 99.549 99.399 4.750 100.787 100.637 100.487

3.750 99.415 99.265 99.115 4.625 100.356 100.206 100.056

7/1 Jumbo LIBOR ARM 2/2/5 Caps 2.25 Margin 15 Yr Jumbo II MAX NET PRICE = 102.00

Rate 30 Day 45 Day 60 Day MAX NET PRICE = 102.00 Rate 30 Day 45 Day 60 Day

4.500 101.264 101.114 100.964 4.750 100.379 100.229 100.079

4.375 100.954 100.804 100.654 4.625 100.110 99.960 99.810

4.250 100.645 100.495 100.345 4.500 99.849 99.699 99.549

4.125 100.326 100.176 100.026 4.375 99.603 99.453 99.303

4.000 99.985 99.835 99.685 4.250 99.345 99.195 99.045

3.875 99.673 99.523 99.373 4.125 99.062 98.912 98.762

3.750 99.333 99.183 99.033 4.000 98.813 98.663 98.513

10/1 Jumbo LIBOR ARM 2/2/5 Caps 2.25 Margin

Rate 30 Day 45 Day 60 Day MAX NET PRICE = 102.00

4.750 100.962 100.812 100.662

4.625 100.652 100.502 100.352

4.500 100.398 100.248 100.098

4.375 100.137 99.987 99.837

4.250 99.848 99.698 99.548

4.125 99.530 99.380 99.230

4.000 99.178 99.028 98.878

Pricing Adjustments: CLTV MAX NET PRICE = 102.00

FICO CLTV<= 55% 55.01-60.00% 60.01-65.00% 65.01-70.00% 70.01-75.00% 75.01-80.00% 80.01-85.00% 85.01-90.00% The 102.00 price includes adding back

>= 780 0.500 0.500 0.500 0.375 0.250 0.125 -0.250 -0.500 LPO Comp

760-779 0.500 0.375 0.375 0.375 0.000 0.000 -0.375 -0.625 Lock Pricing will be updated after

740-759 0.500 0.375 0.250 0.250 0.000 0.000 -0.750 -0.750 initial lock transaction if net price is greater than 102.

720-739 0.500 0.375 0.250 0.250 0.000 -0.375 -1.000 N/A New confirmation will be issued to reflect 102 pricing

700-719 0.375 0.250 0.125 0.000 -0.250 -0.500 N/A N/A

680-699 0.375 0.250 0.125 0.000 N/A N/A N/A N/A

Purchase 0.375 0.375 0.250 0.250 0.250 0.000 0.000 0.000

CashOut Refi 0.000 0.000 -0.250 -0.750 -1.500 N/A N/A N/A

2nd Home 0.000 0.000 0.000 -0.125 -0.250 -0.375 N/A N/A

High LTV 0.000 0.000 0.000 0.000 0.000 0.000 -1.000 -1.500

0.000 0.000 0.000 -0.125 -0.375 N/A N/A

0.000 0.000 -0.125 -0.250 -0.500 N/A N/A

Escrow Waiver -0.250


7/20/2018

Loan Amt > 1.5mm

Loan Amt > 1mm <= 1.5mm

Date:

Fannie Mae DU Refi Plus Effective:


15 DAY 08/04/18 45 DAY 09/03/18

30 DAY 08/19/18 60 DAY 09/18/18

Fannie Mae DU Refi Plus30 yr FNMA DU Refi Plus 20 yr FNMA DU Refi Plus 15 yr FNMA DU Refi Plus

15 Days 30 Days 45 Days 15 Days 30 Days 45 Days 15 Days 30 Days 45 Days

5.125 103.210 103.110 102.960 5.125 102.937 102.837 102.687 4.990 103.183 103.083 102.933

5.000 103.014 102.914 102.764 5.000 102.596 102.496 102.346 4.875 102.998 102.898 102.748

4.990 102.919 102.819 102.669 4.990 102.476 102.376 102.226 4.750 102.706 102.606 102.456

4.875 102.727 102.627 102.477 4.875 102.604 102.504 102.354 4.625 102.679 102.579 102.429

4.750 102.436 102.336 102.186 4.750 102.373 102.273 102.123 4.500 102.189 102.089 101.939

4.625 101.804 101.704 101.554 4.625 102.074 101.974 101.824 4.490 102.069 101.969 101.819

4.500 101.120 101.020 100.870 4.500 101.358 101.258 101.108 4.375 101.884 101.784 101.634

4.490 101.000 100.900 100.750 4.490 101.238 101.138 100.988 4.250 101.606 101.506 101.356

4.375 100.551 100.451 100.301 4.375 100.561 100.461 100.311 4.125 101.436 101.336 101.186

4.250 99.977 99.877 99.727 4.250 99.933 99.833 99.683 4.000 100.967 100.867 100.717

4.125 99.301 99.201 99.051 4.125 99.367 99.267 99.117 3.990 100.772 100.672 100.522

4.000 98.566 98.466 98.316 4.000 98.575 98.475 98.325 3.875 100.395 100.295 100.145

3.990 98.446 98.346 98.196 3.990 98.405 98.305 98.155 3.750 99.798 99.698 99.548

3.875 98.010 97.910 97.760 3.875 97.804 97.704 97.554 3.625 99.639 99.539 99.389

DU Refi Plus Agency Price Adjusters Price Cap for FNMA Fees Price CAP

Primary Residence LTV >80% / Amort Term > 240 0.750

DU Refi Plus loans will have a cumulative delivery fee cap. Other CMC fees may still apply. Primary Residence LTV >80% / Amort Term <= 240 0.000

All other transactions 2.000

Risk based pricing adjustments apply to all conventional conforming loans except with terms of 180 months or less.

Risk Based Pricing LTV / Credit Score Grid Other Adjustments Add to Price

LTV

Credit Score < = 60 > 60 <= 70 >70 < = 75 >75 < = 80 >80 < = 95 >95 < = 150 2-4 Units -1.000

>= 740 0.000 -0.250 -0.250 -0.250 0.000 0.000

>= 720 & <= 739 0.000 -0.250 -0.250 -0.250 0.000 0.000 Investment Property LTV <= 75 -2.000

>= 700 & <= 719 0.000 -0.500 -0.750 -0.750 -0.500 -0.500 Minimum $50,000 Loan Amt LTV <= 80 -2.000

>= 680 & <= 699 0.000 -0.500 -0.750 -0.750 -0.750 -0.500 LTV <= 90 -2.000

>= 660 & <= 679 0.000 -1.000 -1.500 -1.750 -1.750 -1.250

>= 640 & <= 659 -0.500 -1.250 -1.750 -1.750 -1.750 -1.750

>= 620 & <= 639 -0.500 -1.500 -1.750 -1.750 -1.750 -1.750 Condos LTV > 75% -0.750

< 620 n/a n/a n/a n/a n/a n/a

High LTV: 95.00 < LTV <= 97.00 -0.500

Subordinate Financing High LTV: 97.00 < LTV <= 150.00 -1.000

LTV Range CLTV Range Score <720 Score >=720

<= 75% <= 80% -0.375 -0.375

<= 65% >80% <=95% -0.875 -0.625

>65% <=75% >80% <=95% -1.125 -0.875

>75% <=95% >76% <=95% -1.375 -1.125

Any >95% -1.875 -1.875

Other Non-Capped Price Adjusters for DU Refi PlusLoan Amount Multiple Financed Properties - INVESTOR and Second Home loans with

>= $200,000 to Limit 0.100 5 to 10 financed properties - Adjust pricing by -1.50pt

$50,000 to $99,999 -0.250

$25,000 to $49,999 -1.000

< $25,000 -2.000

Escrow Waiver Owner Occp with Score >= 660 & LTV <= 80% -0.250 High LTV (Not price capped)

State Adjusters 30,25,20 Yr 15 & 10 Yr

LTV % >=105 < 125% -0.625

TX 0.100 0.000

CO, CT, FL, ID, LA, MA, ME, MS, NC, NH, NJ, RI, SD, TN, UT, VT, WA, WY -0.100 -0.100 LTV% >= 125% -1.250

AL, AR, DE, IL, IN, KY, MD, MN, NE, NM, OH, VA, WI -0.150 -0.100

AZ, DC, IA, MI, MT, NV, WV -0.200 -0.150

CA -0.300 -0.200

7/20/2018

10:25 AM

Date:

Freddie Mac Open Access Effective:


15 DAY 08/04/18 45 DAY 09/03/18

30 DAY 08/19/18 60 DAY 09/18/18

Freddie Mac Open Access 30 yr FHLMC LP Open Access 20 yr FHLMC LP Open Access 15 yr FHLMC LP Open Access

15 Days 30 Days 45 Days 15 Days 30 Days 45 Days 15 Days 30 Days 45 Days

5.125 103.210 103.110 102.960 5.125 102.937 102.837 102.687 4.990 103.008 102.908 102.758

5.000 103.014 102.914 102.764 5.000 102.596 102.496 102.346 4.875 102.848 102.748 102.598

4.990 102.919 102.819 102.669 4.990 102.476 102.376 102.226 4.750 102.656 102.556 102.406

4.875 102.727 102.627 102.477 4.875 102.604 102.504 102.354 4.625 102.679 102.579 102.429

4.750 102.436 102.336 102.186 4.750 102.373 102.273 102.123 4.500 102.189 102.089 101.939

4.625 101.804 101.704 101.554 4.625 102.074 101.974 101.824 4.490 102.069 101.969 101.819

4.500 101.120 101.020 100.870 4.500 101.358 101.258 101.108 4.375 101.884 101.784 101.634

4.490 101.000 100.900 100.750 4.490 101.238 101.138 100.988 4.250 101.606 101.506 101.356

4.375 100.551 100.451 100.301 4.375 100.561 100.461 100.311 4.125 101.436 101.336 101.186

4.250 99.977 99.877 99.727 4.250 99.933 99.833 99.683 4.000 100.967 100.867 100.717

4.125 99.301 99.201 99.051 4.125 99.367 99.267 99.117 3.990 100.772 100.672 100.522

4.000 98.566 98.466 98.316 4.000 98.575 98.475 98.325 3.875 100.395 100.295 100.145

3.990 98.446 98.346 98.196 3.990 98.405 98.305 98.155 3.750 99.798 99.698 99.548

3.875 98.010 97.910 97.760 3.875 97.804 97.704 97.554 3.625 99.639 99.539 99.389

LP Open Access Agency Price Adjusters Price Cap for FHLMC Fees Price CAP

Primary Residence / LTV >80% / Amort Term > 240:

LP Open Access loans will have a cumulative delivery fee cap. Other CMC fees may still apply. LTV > 80% <= 105% 0.75

LTV > 105% 1.25

Risk based pricing adjustments apply to all conventional conforming loans except with terms of 180 months or less. Primary Residence / LTV >80% / Amort Term <= 240:

LTV > 80% <= 105% 0.00

Risk Based Pricing LTV / Credit Score Grid LTV > 105% 0.75

LTV All other transactions 2.00

Credit Score < = 60 > 60 <= 70 >70 < = 75 >75 < = 80 >80 < = 85 >85 < = 125

>= 740 0.000 -0.250 -0.250 -0.500 0.000 0.000

>= 720 & <= 739 0.000 -0.250 -0.500 -0.750 0.000 0.000 Other Adjustments Add to Price

>= 700 & <= 719 0.000 -0.500 -1.000 -1.250 -0.500 -0.500

>= 680 & <= 699 0.000 -0.500 -1.250 -1.750 -1.000 -0.750 2-4 Units -1.000

>= 660 & <= 679 0.000 -1.000 -1.750 -1.750 -1.750 -1.750

>= 640 & <= 659 -0.500 -1.250 -1.750 -1.750 -1.750 -1.750 Investment Property LTV <= 75 -2.000

>= 620 & <= 639 -0.500 -1.500 -1.750 -1.750 -1.750 -1.750 Minimum $50,000 Loan Amt LTV <= 80 -2.000

< 620 n/a n/a n/a n/a n/a n/a LTV <= 90 -2.000

Condos LTV > 75% -0.750

Subordinate Financing

LTV Range CLTV Range Score <720 Score >=720 High LTV: 95.00 < LTV <= 97.00 -0.500

<= 75% <= 80% -0.375 -0.375 High LTV: 97.00 < LTV <= 105.00 -1.000

<= 65% >80% <=95% -0.875 -0.625 High LTV: > 105 -2.000

>65% <=75% >80% <=95% -1.125 -0.875

>75% <=95% >76% <=95% -1.375 -1.125

Any >95% -1.875 -1.875

Other Non-Capped Price Adjusters for LP Open AccessLoan Amount All LP Open Access loans with LTV over 105% -0.625

>= $200,000 to Limit 0.100 This is a non-capped price adjuster

$50,000 to $99,999 -0.250

$25,000 to $49,999 -1.000

< $25,000 -2.000

Escrow Waiver Owner Occp with Score >= 660 & LTV <= 80% -0.250

State Adjusters 30,25,20 Yr 15 & 10 Yr

TX 0.100 0.000

CO, CT, FL, ID, LA, MA, ME, MS, NC, NH, NJ, RI, SD, TN, UT, VT, WA, WY -0.100 -0.100

AL, AR, DE, IL, IN, KY, MD, MN, NE, NM, OH, VA, WI -0.150 -0.100

AZ, DC, IA, MI, MT, NV, WV -0.200 -0.150

CA -0.300 -0.200

7/20/2018

10:25 AM

Date:

FNMA High Balance / FHLMC Super Conforming Effective:


15 DAY 08/04/18 45 DAY 09/03/18

30 DAY 08/19/18 60 DAY 09/18/18

Fannie Mae High Balance See www.fhfa.gov for High Cost Areas

30 yr FNMA High Balance 15 yr FNMA High Balance

15 Days 30 Days 45 Days 60 Days 15 Days 30 Days 45 Days 60 Days

5.500 102.908 102.808 102.658 102.408 4.500 100.885 100.785 100.635 100.385

5.375 102.524 102.424 102.274 102.024 4.375 100.708 100.608 100.458 100.208

5.250 102.192 102.092 101.942 101.692 4.250 100.512 100.412 100.262 100.012

5.125 102.242 102.142 101.992 101.742 4.125 100.375 100.275 100.125 99.875

5.000 101.983 101.883 101.733 101.483 4.000 99.985 99.885 99.735 99.485

4.875 101.696 101.596 101.446 101.196 3.875 99.570 99.470 99.320 99.070

4.750 101.155 101.055 100.905 100.655 3.750 99.149 99.049 98.899 98.649

4.625 100.513 100.413 100.263 100.013 3.625 98.904 98.804 98.654 98.404

4.500 100.065 99.965 99.815 99.565 3.500 98.505 98.405 98.255 98.005

4.375 99.610 99.510 99.360 99.110 3.375 98.074 97.974 97.824 97.574

4.250 99.004 98.904 98.754 98.504 3.250 97.636 97.536 97.386 97.136

4.125 98.304 98.204 98.054 97.804 3.125 96.847 96.747 96.597 96.347

4.000 97.301 97.201 97.051 96.801 3.000 96.433 96.333 96.183 95.933

3.875 96.800 96.700 96.550 96.300 2.875 95.994 95.894 95.744 95.494

Fannie Mae High Balance Price Adjusters

The Following Adjustments Apply and are Cumulative:

Risk Based Pricing LTV / Credit Score Grid Subordinate Financing

LTV Range CLTV Range Score <720 Score >=720

Loans with terms of 180 months will not be adjusted with LTV/Score price adjusters

LTV >75 <=90 >76 <=90 -1.000 -0.750

Credit Score < = 60 > 60 <= 70 >70 < = 75 >75 < = 80 >80 < = 85 >85 < = 95

>= 740 0.000 -0.250 -0.250 -0.500 -0.250 -0.250 Cash Out Refinances LTV / Credit Score Grid

>= 720 & <= 739 0.000 -0.250 -0.500 -0.750 -0.500 -0.500 LTV

>= 700 & <= 719 0.000 -0.500 -1.000 -1.250 -1.000 -1.000 Credit Score < = 60 >60 <=70 >70<=75 >75<=80

>= 680 & <= 699 0.000 -0.500 -1.250 -1.750 -1.500 -1.250 -1.375 -1.625 -1.625 -1.875

>= 660 & <= 679 0.000 -1.000 -2.250 -2.750 -2.750 -2.250 -1.375 -2.000 -2.000 -2.125

>= 640 & <= 659 -0.500 -1.250 -2.750 -3.000 -3.250 -2.750 -1.375 -2.000 -2.000 -2.125

>= 620 & <= 639 -0.500 -1.500 -3.000 -3.000 -3.250 -3.250 -1.375 -2.125 -2.125 -2.750

-1.625 -2.125 -2.125 -2.875

Escrow Waiver Owner Occp with Score >= 660 & LTV <= 80% -0.250

State Adjusters (if applicable) 30 Yr 15 Yr

TX 0.100 0.000

CO, CT, FL, ID, LA, MA, ME, MS, NC, NH, NJ, RI, SD, TN, UT, VT, WA, WY -0.100 -0.100

AL, AR, DE, IL, IN, KY, MD, MN, NE, OH, VA, WI -0.150 -0.100

DC, IA, MI, MT, NV, WV -0.200 -0.150

CA -0.300 -0.200

Freddie Mac Super Conforming The Following Adjustments Apply and are Cumulative:

30 yr FHLMC Super Conforming Risk Based Pricing LTV / Credit Score Grid

15 Days 30 Days 45 Days 60 Days > 60 & > 70 & > 75 & > 80 & > 85 &

5.125 101.535 101.435 101.285 101.035 <= 60 <= 70 <= 75 <= 80 <= 85 <= 90

5.000 101.439 101.339 101.189 100.939 0.000 -0.250 -0.250 -0.500 -0.250 -0.250

4.990 101.319 101.219 101.069 100.819 0.000 -0.250 -0.500 -0.750 -0.500 -0.500

4.875 101.102 101.002 100.852 100.602 0.000 -0.500 -1.000 -1.250 -1.000 -1.000

4.750 100.711 100.611 100.461 100.211 0.000 -0.500 -1.250 -1.750 -1.500 -1.250

4.625 100.079 99.979 99.829 99.579 0.000 -1.000 -2.250 n/a n/a n/a

4.500 99.495 99.395 99.245 98.995 -0.500 -1.250 -2.750 n/a n/a n/a

4.490 99.375 99.275 99.125 98.875

4.375 99.151 99.051 98.901 98.651

4.250 98.577 98.477 98.327 98.077 Subordinate Financing

4.125 97.901 97.801 97.651 97.401 LTV CLTV < 720 => 720

4.000 96.841 96.741 96.591 96.341 75.01 <= 90 75.01-90.00 -1.000 -0.750

Cash Out Refinances LTV / Credit Score Grid Escrow Waiver Owner Occp with Score >= 660 & LTV <= 80% -0.250

LTV State Adjusters (if applicable) 30 Yr

Credit Score < = 60 > 60 <= 70

=> 740 -1.375 -1.625

>= 720 & <= 739 -1.375 -2.000 CO, CT, FL, ID, LA, MA, ME, MS, NC, NH, NJ, RI, SD, TN, UT, VT, WA, WY -0.100

>= 700 & <= 719 -1.375 -2.000 AL, AR, DE, IL, IN, KY, MD, MN, NE, NM, OH, VA, WI -0.150

AZ, DC, IA, MT, NV, WV -0.200

CA -0.300

680 <= 699

660 <= 679

640 <= 659

7/20/2018

10:25 AM

Credit Score

>= 740

720 <= 739

700 <= 719

=> 740

=> 720 - 739

=> 700 - 719

=> 680 - 699

=> 660 - 679

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