illinois wholesale rate sheet - newrez

Government FICOs down to 580!

Page 2 FHA, VA, & USDA - Fixed, ARM, and Jumbo

Page 3 Fannie Mae - Fixed Conforming and High Balance Products

Page 4 Freddie Mac - Fixed Conforming and Super Conforming Products

Page 5 Fannie Mae - HomeReady™ Fixed and ARM Products

Page 6 Fannie Mae - HomeReady™ High Balance Fixed and ARM Products

Page 7 Freddie Mac - Home Possible Fixed and ARM Products

Page 8 Fannie Mae - ARM Conforming and High Balance Products

Page 9 Freddie Mac - ARM Conforming and Super Conforming Products

0 Smart Series - Non-QM Products

Page 11 Dream Big Jumbo

Page 12 Jumbo Series D

Page 13 Jumbo Series I

Rate Today's Price Pricing Change **Market movement is a result of 30-day current pricing

Conventional 30yr Fixed compared to the most recent rate sheet released.**

3.500 (2.943) (0.150) Bracketed Pricing Changes and green arrows indicate improved pricing.

3.375 (2.438) (0.139) Rate Today's Price Pricing Change

Conventional 15yr Fixed FHA 30yr Fixed

2.990 (3.176) (0.003) 3.125 (3.154) (0.112)

2.875 (2.796) 0.009 3.000 (2.753) (0.112)

Conforming 5-6 SOFR ARM (2-1-5) VA 30yr Fixed

3.000 (0.474) 0.056 3.125 (3.014) (0.112)

2.875 (0.335) 0.057 3.000 (2.613) (0.112)

Hours: Price release – 6:59 AM EST on the following business day

Pricing on-line: www.NewRezWholesale.com

In order to lock prior to loan submission, 3.2 file must be uploaded via our website, www.NewRezWholesale.com

In order to remain locked, a full file must be submitted within 10 days for a 30-day lock, 15 days for a 45-day lock, or 20 days for a 60-day lock or greater.

● 1st-3rd Extension - 2 bps/day 7 Day Extension 10/29/2021

● 4th Extension or more - 4 bps/day 15 Day Lock/Extension 11/8/2021 15 Day Cost < 3 Prior Ext 0.300 ≥ 3 Prior Ext. 0.600

30 Day Lock/Extension 11/22/2021 30 Day Cost < 3 Prior Ext 0.600 ≥ 3 Prior Ext. 1.200

45 Day Lock/Extension 12/6/2021 45 Day Cost < 3 Prior Ext 0.900 ≥ 3 Prior Ext. 1.800

60 Day Lock 12/21/2021

90 Day Lock 1/20/2022

Lender Fees - Conforming, Government & Jumbo $995 1 Unit $548,250

Lender Fees - Smart Series $1,295 2 Unit $702,000

Lender Fees - FHA Streamline & VA IRRRL $495 3 Unit $848,500

4 Unit $1,054,500

Desk Review - LA $1MM-$1.5MM $200

Desk Review - Transferred Appraisal $200

Risk Report - Transferred Appraisal $25

Flood Fee (excluded from No Lender Fee Calculation) $6

Tax Service Fee (excluded from No Lender Fee Calculation) $80

(888) 988-1695

(484) 594-1998

* Rates are subject to change without notice

**Additional products, not on the rate sheet, are available through the portal. Contact your Relationship Manager for more details.

Website NewRezWholesale.com

Lock Desk [email protected]

CORPORATE CONTACTS

NewRez [email protected]

Fax

Mortgagee Clause (Wholesale)

NewRez LLC ISAOA ATIMA

PO Box 7050

TROY, MI 48007-7050

**Lender fees must be included in block one of the initial LE.

No Lender Fee options are available through the pricing engine online.

Pricing is based on worst case pricing: current market vs locked less a relock fee.

● Extended loans cannot expire on a

weekend or holiday.

● Max number of days to extend is 45

days per request.

If the market has improved by more than 50 bps and the loan is closing within 15 days, the relock fee will

be waived on 15 day relocks only. (Other restrictions may apply.)

GENERAL INFORMATION

Fee Info Agency Loan Limits

Please Note: Rate Sheets are provided for pricing purposes only and do not necessarily reflect product eligibility or availability. Please refer to the Product Guidelines located in the NewRez Lending Library

in order to determine product eligibility and/or availability for a given loan scenario.

TABLE OF CONTENTS

MARKET MOVEMENTS

LOCK POLICIES

Lock Extension Info Expiration Dates Relock Policy

Smart Series Non-QM & Jumbo Series are Back!

Effective Fri 10/22/2021 8:56 AM EST

Illinois Wholesale Rate Sheet

Improved pricing on loan amounts from $300,000 to the conforming limit!

Purchase Special available on Conventional & Government!

Page 1

mailto:[email protected]






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

4.500 (6.067) (6.029) (6.022) (5.914) 4.500 (5.927) (5.889) (5.882) (5.774) 4.500 (5.817) (5.779) (5.772) (5.664)

4.375 (5.804) (5.766) (5.759) (5.651) 4.375 (5.664) (5.626) (5.619) (5.511) 4.375 (5.554) (5.516) (5.509) (5.401)

4.250 (5.506) (5.468) (5.460) (5.353) 4.250 (5.366) (5.328) (5.320) (5.213) 4.250 (5.256) (5.218) (5.210) (5.103)

4.125 (5.153) (5.085) (5.048) (4.910) 4.125 (5.013) (4.945) (4.908) (4.770) 4.125 (4.903) (4.835) (4.798) (4.660)

4.000 (4.858) (4.790) (4.753) (4.615) 4.000 (4.718) (4.650) (4.613) (4.475) 4.000 (4.608) (4.540) (4.503) (4.365)

3.875 (4.554) (4.486) (4.448) (4.310) 3.875 (4.414) (4.346) (4.308) (4.170) 3.875 (4.304) (4.236) (4.198) (4.060)

3.750 (4.592) (4.509) (4.456) (4.303) 3.750 (4.452) (4.369) (4.316) (4.163) 3.750 (4.342) (4.259) (4.206) (4.053)

3.625 (4.272) (4.189) (4.136) (3.983) 3.625 (4.132) (4.049) (3.996) (3.843) 3.625 (4.022) (3.939) (3.886) (3.733)

3.500 (3.926) (3.843) (3.790) (3.637) 3.500 (3.786) (3.703) (3.650) (3.497) 3.500 (3.676) (3.593) (3.540) (3.387)

3.375 (3.568) (3.485) (3.433) (3.280) 3.375 (3.428) (3.345) (3.293) (3.140) 3.375 (3.318) (3.235) (3.183) (3.030)

3.250 (3.668) (3.532) (3.426) (3.221) 3.250 (3.528) (3.392) (3.286) (3.081) 3.250 (3.418) (3.282) (3.176) (2.971)

3.125 (3.290) (3.154) (3.048) (2.842) 3.125 (3.150) (3.014) (2.908) (2.702) 3.125 (3.040) (2.904) (2.798) (2.592)

3.000 (2.889) (2.753) (2.647) (2.441) 3.000 (2.749) (2.613) (2.507) (2.301) 3.000 (2.639) (2.503) (2.397) (2.191)

2.990 (2.891) (2.755) (2.649) (2.443) 2.990 (2.751) (2.615) (2.509) (2.303) 2.990 (2.641) (2.505) (2.399) (2.193)

2.875 (2.479) (2.343) (2.237) (2.032) 2.875 (2.339) (2.203) (2.097) (1.892) 2.875 (2.229) (2.093) (1.987) (1.782)

2.750 (2.072) (1.928) (1.815) (1.601) 2.750 (1.932) (1.788) (1.675) (1.461) 2.750 (1.822) (1.678) (1.565) (1.351)

2.625 (1.641) (1.497) (1.384) (1.171) 2.625 (1.501) (1.357) (1.244) (1.031) 2.625 (1.391) (1.247) (1.134) (0.921)

2.500 (1.198) (1.054) (0.941) (0.727) 2.500 (1.058) (0.914) (0.801) (0.587) 2.500 (0.948) (0.804) (0.691) (0.477)

2.375 (0.755) (0.612) (0.498) (0.285) 2.375 (0.615) (0.472) (0.358) (0.145) 2.375 (0.505) (0.362) (0.248) (0.035)

2.250 (0.294) (0.151) (0.038) 0.176 2.250 (0.154) (0.011) 0.102 0.316 2.250 (0.044) 0.099 0.212 0.426

2.125 2.042 2.185 2.299 2.512 2.125 2.182 2.325 2.439 2.652 2.125 2.292 2.435 2.549 2.762

2.000 2.507 2.650 2.764 2.977 2.000 2.647 2.790 2.904 3.117 2.000 2.757 2.900 3.014 3.227

1.990 2.532 2.675 2.789 3.002 1.990 2.672 2.815 2.929 3.142 1.990 2.782 2.925 3.039 3.252

1.875 2.966 3.110 3.223 3.437 1.875 3.106 3.250 3.363 3.577 1.875 3.216 3.360 3.473 3.687

1.750 3.438 3.582 3.695 3.909 1.750 3.578 3.722 3.835 4.049 1.750 3.688 3.832 3.945 4.159


3.750 (3.082) (2.981) (2.910) (2.739) 3.750 (2.742) (2.641) (2.570) (2.399) 3.500 (2.596) (2.513) (2.460) (2.307)

3.625 (2.812) (2.711) (2.640) (2.469) 3.625 (2.472) (2.371) (2.300) (2.129) 3.375 (2.238) (2.155) (2.103) (1.950)

3.500 (2.517) (2.416) (2.345) (2.174) 3.500 (2.177) (2.076) (2.005) (1.834) 3.250 (2.619) (2.483) (2.377) (2.172)

3.375 (2.208) (2.107) (2.036) (1.865) 3.375 (1.868) (1.767) (1.696) (1.525) 3.125 (2.241) (2.105) (1.999) (1.793)

3.250 (2.680) (2.593) (2.536) (2.379) 3.250 (2.340) (2.253) (2.196) (2.039) 3.000 (1.840) (1.704) (1.598) (1.392)

3.125 (2.381) (2.294) (2.237) (2.081) 3.125 (2.041) (1.954) (1.897) (1.741) 2.990 (1.842) (1.706) (1.600) (1.394)

3.000 (2.055) (1.969) (1.912) (1.755) 3.000 (1.715) (1.629) (1.572) (1.415) 2.875 (1.430) (1.294) (1.188) (0.983)

2.875 (1.714) (1.627) (1.570) (1.413) 2.875 (1.374) (1.287) (1.230) (1.073) 2.750 (0.929) (0.785) (0.672) (0.459)

2.750 (1.356) (1.269) (1.212) (1.055) 2.750 (1.016) (0.929) (0.872) (0.715) 2.625 (0.498) (0.355) (0.241) (0.028)

2.625 (0.993) (0.878) (0.793) (0.608) 2.625 (0.653) (0.538) (0.453) (0.268) 2.500 (0.055) 0.089 0.202 0.415

2.500 (0.631) (0.516) (0.431) (0.245) 2.500 (0.291) (0.176) (0.091) 0.095 2.375 0.387 0.531 0.644 0.858

2.375 (0.255) (0.139) (0.054) 0.131 2.375 0.085 0.201 0.286 0.471 2.250 0.848 0.992 1.105 1.319

2.250 0.134 0.249 0.334 0.519 2.250 0.474 0.589 0.674 0.859 2.125 3.622 3.765 3.879 4.092

2.125 1.011 1.140 1.240 1.439 2.125 1.351 1.480 1.580 1.779 2.000 4.087 4.230 4.344 4.557

2.000 1.403 1.532 1.632 1.831 2.000 1.743 1.872 1.972 2.171 1.990 4.112 4.255 4.369 4.582

1.875 1.803 1.933 2.032 2.232 1.875 2.143 2.273 2.372 2.572 1.875 4.546 4.690 4.803 5.017

1.750 2.211 2.340 2.440 2.639 1.750 2.551 2.680 2.780 2.979 1.750 5.018 5.162 5.275 5.489


3.500 (2.846) (2.763) (2.710) (2.557) 4.125 (1.566) (1.416) (1.266) (1.116) 4.125 (1.266) (1.116) (0.966) (0.816)

3.375 (2.488) (2.405) (2.353) (2.200) 4.000 (1.204) (1.054) (0.904) (0.754) 4.000 (0.904) (0.754) (0.604) (0.454)

3.250 (2.869) (2.733) (2.627) (2.422) 3.875 (0.835) (0.685) (0.535) (0.385) 3.875 (0.535) (0.385) (0.235) (0.085)

3.125 (2.491) (2.355) (2.249) (2.043) 3.750 (0.460) (0.310) (0.160) (0.010) 3.750 (0.160) (0.010) 0.140 0.290

3.000 (2.090) (1.954) (1.848) (1.642) 3.625 (1.163) (1.013) (0.863) (0.713) 3.625 (0.863) (0.713) (0.563) (0.413)

2.990 (2.092) (1.956) (1.850) (1.644) 3.500 (0.726) (0.576) (0.426) (0.276) 3.500 (0.426) (0.276) (0.126) 0.024

2.875 (1.680) (1.544) (1.438) (1.233) 3.375 (0.282) (0.132) 0.018 0.168 3.375 0.018 0.168 0.318 0.468

2.750 (1.179) (1.035) (0.922) (0.709) 3.250 0.169 0.319 0.469 0.619 3.250 0.469 0.619 0.769 0.919

2.625 (0.748) (0.605) (0.491) (0.278) 3.125 (0.593) (0.443) (0.293) (0.143) 3.125 (0.293) (0.143) 0.007 0.157

2.500 (0.305) (0.161) (0.048) 0.165 3.000 (0.148) 0.002 0.152 0.302 3.000 0.152 0.302 0.452 0.602

2.375 0.137 0.281 0.394 0.608 2.875 0.305 0.455 0.605 0.755 2.875 0.605 0.755 0.905 1.055

2.250 0.598 0.742 0.855 1.069 2.750 0.767 0.917 1.067 1.217 2.750 1.067 1.217 1.367 1.517

2.125 3.372 3.515 3.629 3.842

2.000 3.837 3.980 4.094 4.307

1.990 3.862 4.005 4.119 4.332

1.875 4.296 4.440 4.553 4.767

1.750 4.768 4.912 5.025 5.239

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

4.125 (2.626) (2.476) (2.326) (2.176) 4.125 (2.876) (2.726) (2.576) (2.426)

4.000 (2.264) (2.114) (1.964) (1.814) 4.000 (2.514) (2.364) (2.214) (2.064)

3.875 (1.895) (1.745) (1.595) (1.445) 3.875 (2.145) (1.995) (1.845) (1.695)

3.750 (1.520) (1.370) (1.220) (1.070) 3.750 (1.770) (1.620) (1.470) (1.320)

3.625 (2.223) (2.073) (1.923) (1.773) 3.625 (2.473) (2.323) (2.173) (2.023)

3.500 (1.786) (1.636) (1.486) (1.336) 3.500 (2.036) (1.886) (1.736) (1.586)

3.375 (1.342) (1.192) (1.042) (0.892) 3.375 (1.592) (1.442) (1.292) (1.142)

3.250 (0.891) (0.741) (0.591) (0.441) 3.250 (1.141) (0.991) (0.841) (0.691)

3.125 (1.653) (1.503) (1.353) (1.203) 3.125 (1.903) (1.753) (1.603) (1.453)

3.000 (1.208) (1.058) (0.908) (0.758) 3.000 (1.458) (1.308) (1.158) (1.008)

2.875 (0.755) (0.605) (0.455) (0.305) 2.875 (1.005) (0.855) (0.705) (0.555)

2.750 (0.293) (0.143) 0.007 0.157 2.750 (0.543) (0.393) (0.243) (0.093)

Purchase FICO/Loan Size Adjustments Miscellaneous Adjustments

Loan Amount <560 560-579 580-599 600-619 620-639 640-659 660-679 680-699 700-719 720-739 740-759 760-779 780+ 90 Day Lock (FRM Only) 0.500

<$50k 5.500 5.375 4.625 3.500 2.625 1.375 0.875 0.625 0.625 0.525 0.525 0.425 0.375 VA Cashout >90 LTV N/A

$50k-$74.9k 4.625 4.500 3.750 2.625 1.750 0.500 0.000 -0.250 -0.250 -0.350 -0.350 -0.450 -0.500 VA - Refinance Credit Score ≥ 620 0.125

$75k-$99.9k 4.625 4.500 3.750 2.625 1.750 0.500 0.000 -0.250 -0.250 -0.350 -0.350 -0.450 -0.500 VA - All Loan Purposes - Credit Score < 620 0.250

$100k-$124.9k 4.375 4.250 3.500 2.375 1.500 0.250 -0.250 -0.500 -0.500 -0.600 -0.600 -0.700 -0.750 VA - IRRRL - Investment Property 0.750

$125k-$199.9k 4.375 4.250 3.500 2.375 1.500 0.250 -0.250 -0.500 -0.200 -0.300 -0.300 -0.400 -0.450 Manufactured Home 1.250

$200k-$249.9k 3.875 3.750 3.000 1.875 1.150 -0.100 -0.400 -0.550 -0.550 -0.650 -0.650 -0.650 -0.700 FHA/VA 15Yr High Balance (Use 15Yr Conf Pricing) 2.500

$250k-$299.9k 3.875 3.750 3.000 1.875 1.150 -0.100 -0.400 -0.550 -0.550 -0.650 -0.650 -0.650 -0.700

$300k-$399.9k 3.875 3.750 3.000 1.875 1.150 -0.100 -0.400 -0.550 -0.550 -0.650 -0.650 -0.650 -0.700

$400k-$499.9k 3.875 3.750 3.000 1.875 1.150 -0.100 -0.400 -0.550 -0.550 -0.650 -0.650 -0.650 -0.700

$500k-Conf Limit 3.875 3.750 3.000 1.875 1.150 -0.100 -0.400 -0.550 -0.550 -0.650 -0.650 -0.650 -0.700

High Balance 4.375 4.250 3.500 1.275 1.150 -0.100 -0.400 -0.550 -0.550 -0.650 -0.650 -0.650 -0.700

Refinance FICO/Loan Size Adjustments Loan Size Adjustments for VA BPC Loans

Loan Amount <560 560-579 580-599 600-619 620-639 640-659 660-679 680-699 700-719 720-739 740-759 760-779 780+ < $100,000 0.400

<$50k 5.500 5.375 4.625 3.500 3.125 1.875 1.375 1.125 1.125 1.025 1.025 0.925 0.875 $100,000-$199,999 0.280

$50k-$74.9k 4.625 4.500 3.750 2.625 2.250 1.000 0.500 0.250 0.250 0.150 0.150 0.050 0.000 $200,000-$299,999 0.220

$75k-$99.9k 4.625 4.500 3.750 2.625 2.250 1.000 0.500 0.250 0.250 0.150 0.150 0.050 0.000 $300,000-$399,999 0.190

$100k-$124.9k 4.375 4.250 3.500 2.375 2.000 0.750 0.250 0.000 0.000 -0.100 -0.100 -0.200 -0.250 ≥ $400,000 0.150

$125k-$199.9k 4.375 4.250 3.500 2.375 2.000 0.750 0.250 0.100 0.100 0.000 0.000 -0.100 -0.150

$200k-$249.9k 3.875 3.750 3.000 1.875 1.650 0.400 0.000 -0.250 -0.250 -0.350 -0.350 -0.450 -0.400 Fixed -6.000

$250k-$299.9k 3.875 3.750 3.000 1.875 1.650 0.400 0.000 -0.250 -0.150 -0.250 -0.250 -0.350 -0.400 ARM -3.000

$300k-$399.9k 3.875 3.750 3.000 1.875 1.650 0.400 0.000 -0.250 -0.150 -0.250 -0.250 -0.350 -0.400

$400k-$499.9k 3.875 3.750 3.000 1.875 1.650 0.400 0.000 -0.250 -0.150 -0.250 -0.250 -0.350 -0.400 Margin on all Government ARMs 2.00%

$500k-Conf Limit 3.875 3.750 3.000 1.875 1.650 0.400 0.000 -0.250 -0.150 -0.250 -0.250 -0.350 -0.400

High Balance 4.375 4.250 3.500 2.375 2.000 0.750 0.250 0.100 0.100 0.000 0.000 -0.100 -0.150

IRRRL & Streamline FICO/Loan Size Adjustments

Loan Amount <560 560-579 580-599 600-619 620-639 640-659 660-679 680-699 700-719 720-739 740-759 760-779 780+

<$50k 5.500 5.375 4.625 3.500 2.875 1.625 1.125 0.875 0.875 0.775 0.775 0.675 0.625

$50k-$74.9k 4.625 4.500 3.750 2.625 2.000 0.750 0.250 0.000 0.000 -0.100 -0.100 -0.200 -0.250 *Some adjustment details may not appear when pricing through

$75k-$99.9k 4.625 4.500 3.750 2.625 2.000 0.750 0.250 0.000 0.000 -0.100 -0.100 -0.200 -0.250 the portal however the final pricde will match the rate sheet.

$100k-$124.9k 4.375 4.250 3.500 2.375 1.750 0.500 0.000 -0.250 -0.250 -0.350 -0.350 -0.450 -0.500

$125k-$199.9k 4.375 4.250 3.500 2.375 1.750 0.500 0.000 -0.250 -0.250 -0.350 -0.350 -0.450 -0.500 *FHA Lender ID: 2557400002 *VA Lender ID: 6001710000

$200k-$249.9k 3.875 3.750 3.000 1.875 1.400 0.150 -0.350 -0.600 -0.600 -0.700 -0.700 -0.700 -0.750

$250k-$299.9k 3.875 3.750 3.000 1.875 1.400 0.150 -0.350 -0.600 -0.600 -0.700 -0.700 -0.700 -0.750

$300k-$399.9k 3.875 3.750 3.000 1.875 1.400 0.150 -0.350 -0.600 -0.600 -0.700 -0.700 -0.700 -0.750

$400k-$499.9k 3.875 3.750 3.000 1.875 1.400 0.150 -0.350 -0.600 -0.600 -0.700 -0.700 -0.700 -0.750

$500k-Conf Limit 3.875 3.750 3.000 1.875 1.400 0.150 -0.350 -0.600 -0.600 -0.700 -0.700 -0.700 -0.750

High Balance 4.375 4.250 3.500 1.525 1.400 0.150 -0.350 -0.600 -0.600 -0.700 -0.700 -0.700 -0.750

FHA 5-1 ARM High Balance (1-1-5 Caps) VA 5-1 ARM High Balance (1-1-5 Caps)

Loan Level Price Adjustments

Apply in

additon to

standard

adjustments

Max YSP

No Lender Fee options are available through the pricing engine

online.

FHA 15 Yr Fixed VA 15 Yr Fixed FHA High Balance 30 Yr Fixed

VA High Balance 30 Yr Fixed FHA 5-1 ARM (1-1-5 Caps) VA 5-1 ARM (1-1-5 Caps)

Illinois Wholesale Rate Sheetas of 10/22/2021 8:56 AM

Government Products

FHA 30 Yr Fixed VA 30 Yr Fixed USDA 30 Yr Fixed


5.000 (7.377) (7.340) (7.332) (7.225) 5.000 (7.357) (7.319) (7.312) (7.204)

4.990 (7.360) (7.322) (7.314) (7.207) 4.990 (7.332) (7.295) (7.287) (7.179)

4.875 (7.067) (7.029) (7.022) (6.914) 4.875 (7.067) (7.029) (7.022) (6.914)

4.750 (6.739) (6.702) (6.694) (6.587) 4.750 (6.739) (6.702) (6.694) (6.587)

4.625 (6.481) (6.421) (6.391) (6.260) 4.625 (6.459) (6.399) (6.369) (6.238)

4.500 (6.179) (6.119) (6.089) (5.958) 4.500 (6.168) (6.108) (6.078) (5.947) 4.375 (6.294) (6.234) (6.204) (6.074)

4.375 (5.825) (5.765) (5.734) (5.604) 4.375 (5.825) (5.765) (5.734) (5.604) 4.250 (5.927) (5.867) (5.836) (5.706)

4.250 (5.443) (5.382) (5.352) (5.222) 4.250 (5.443) (5.382) (5.352) (5.222) 4.125 (5.726) (5.620) (5.544) (5.369)

4.125 (5.189) (5.084) (5.008) (4.832) 4.125 (5.152) (5.047) (4.971) (4.795) 4.000 (5.441) (5.335) (5.259) (5.084)

4.000 (4.810) (4.705) (4.629) (4.454) 4.000 (4.773) (4.667) (4.592) (4.416) 3.990 (5.477) (5.372) (5.296) (5.120)

3.990 (4.840) (4.734) (4.658) (4.483) 3.990 (4.797) (4.691) (4.616) (4.440) 3.875 (5.083) (4.977) (4.902) (4.726)

3.875 (4.408) (4.302) (4.226) (4.051) 3.875 (4.376) (4.271) (4.195) (4.019) 3.750 (4.596) (4.490) (4.414) (4.239)

3.750 (3.920) (3.815) (3.739) (3.564) 3.750 (3.910) (3.805) (3.729) (3.553) 3.625 (4.414) (4.278) (4.172) (3.966)

3.625 (3.534) (3.398) (3.292) (3.086) 3.625 (3.489) (3.353) (3.247) (3.041) 3.500 (4.052) (3.917) (3.811) (3.605)

3.500 (3.079) (2.943) (2.837) (2.631) 3.500 (3.031) (2.895) (2.789) (2.584) 3.375 (3.593) (3.457) (3.351) (3.145)

3.375 (2.574) (2.438) (2.332) (2.126) 3.375 (2.539) (2.403) (2.297) (2.091) 3.250 (3.033) (2.897) (2.792) (2.586)

3.250 (2.014) (1.878) (1.773) (1.567) 3.250 (2.002) (1.866) (1.761) (1.555) 3.125 (2.947) (2.811) (2.705) (2.499)

3.125 (1.324) (1.188) (1.082) (0.876) 3.125 (1.324) (1.188) (1.082) (0.876) 3.000 (2.512) (2.377) (2.271) (2.065)

3.000 (0.570) (0.434) (0.328) (0.122) 3.000 (0.555) (0.419) (0.313) (0.107) 2.990 (2.528) (2.392) (2.286) (2.080)

2.990 (0.578) (0.442) (0.336) (0.130) 2.990 (0.523) (0.387) (0.281) (0.075) 2.875 (1.978) (1.842) (1.736) (1.530)

2.875 0.010 0.146 0.252 0.458 2.875 0.051 0.187 0.293 0.498 2.750 (1.308) (1.172) (1.067) (0.861)

2.750 0.679 0.815 0.921 1.127 2.750 0.693 0.829 0.935 1.141 2.625 (0.535) (0.399) (0.293) (0.087)

2.625 1.487 1.623 1.729 1.935 2.625 1.478 1.613 1.719 1.925 2.500 0.254 0.388 0.471 0.654

2.500 2.373 2.509 2.615 2.821 2.500 2.345 2.480 2.586 2.792 2.375 0.901 1.014 1.097 1.280

2.375 3.107 3.221 3.304 3.487 2.375 3.154 3.267 3.350 3.533 2.250 1.679 1.792 1.875 2.058

2.250 3.885 3.998 4.082 4.265 2.250 3.901 4.014 4.097 4.280


4.000 (5.499) (5.398) (5.327) (5.156) 4.000 (6.179) (6.078) (6.007) (5.836) 4.625 (4.353) (4.293) (4.263) (4.132)

3.990 (5.461) (5.360) (5.289) (5.118) 3.990 (6.120) (6.019) (5.947) (5.776) 4.500 (4.054) (3.994) (3.964) (3.834)

3.875 (5.166) (5.065) (4.994) (4.823) 3.875 (5.924) (5.823) (5.752) (5.581) 4.375 (3.708) (3.647) (3.617) (3.487)

3.750 (4.777) (4.676) (4.605) (4.433) 3.750 (5.551) (5.450) (5.379) (5.208) 4.250 (3.323) (3.263) (3.232) (3.102)

3.625 (4.362) (4.261) (4.190) (4.019) 3.625 (5.057) (4.955) (4.884) (4.713) 4.125 (3.132) (3.026) (2.951) (2.775)

3.500 (4.683) (4.596) (4.539) (4.383) 3.500 (4.983) (4.896) (4.839) (4.682) 4.000 (2.767) (2.661) (2.585) (2.410)

3.375 (4.356) (4.270) (4.213) (4.056) 3.375 (4.777) (4.691) (4.634) (4.477) 3.990 (2.760) (2.655) (2.579) (2.404)

3.250 (3.978) (3.891) (3.834) (3.677) 3.250 (4.424) (4.337) (4.281) (4.124) 3.875 (2.367) (2.261) (2.186) (2.010)

3.125 (3.549) (3.462) (3.405) (3.248) 3.125 (3.938) (3.851) (3.794) (3.637) 3.750 (1.933) (1.827) (1.752) (1.576)

3.000 (3.339) (3.224) (3.139) (2.953) 3.000 (3.426) (3.339) (3.282) (3.126) 3.625 (2.422) (2.286) (2.180) (1.974)

2.990 (3.291) (3.176) (3.090) (2.905) 2.990 (3.386) (3.299) (3.242) (3.085) 3.500 (1.994) (1.858) (1.752) (1.546)

2.875 (2.911) (2.796) (2.711) (2.526) 2.875 (3.087) (2.972) (2.887) (2.702) 3.375 (1.529) (1.393) (1.287) (1.081)

2.750 (2.514) (2.399) (2.314) (2.129) 2.750 (2.714) (2.598) (2.513) (2.328) 3.250 (1.024) (0.888) (0.782) (0.576)

2.625 (2.025) (1.910) (1.825) (1.640) 2.625 (2.236) (2.121) (2.035) (1.850) 3.125 (0.377) (0.241) (0.135) 0.071

2.500 (1.515) (1.400) (1.315) (1.130) 2.500 (2.127) (1.998) (1.898) (1.699) 3.000 0.386 0.522 0.628 0.833

2.375 (0.973) (0.853) (0.768) (0.582) 2.375 (1.766) (1.637) (1.537) (1.338) 2.990 0.241 0.377 0.483 0.689

2.250 (0.501) (0.371) (0.272) (0.072) 2.250 (1.351) (1.222) (1.122) (0.923) 2.875 0.812 0.947 1.053 1.259

2.125 (0.010) 0.119 0.218 0.418 2.125 (0.869) (0.740) (0.640) (0.441) 2.750 1.432 1.568 1.674 1.880

2.000 0.549 0.678 0.778 0.977 2.000 (0.384) (0.254) (0.155) 0.044 2.625 2.132 2.268 2.374 2.580

1.990 0.603 0.732 0.832 1.031 1.990 (0.344) (0.214) (0.115) 0.084 2.500 2.902 3.038 3.144 3.350

1.875 1.166 1.296 1.395 1.594 1.875 0.074 0.204 0.303 0.503 2.375 3.711 3.847 3.953 4.159

1.750 1.799 1.928 2.028 2.227 1.750 0.541 0.670 0.770 0.969 2.250 4.533 4.668 4.774 4.980


4.625 (4.353) (4.293) (4.263) (4.132) 4.000 (2.864) (2.763) (2.692) (2.521)

4.500 (4.054) (3.994) (3.964) (3.834) 3.990 (2.833) (2.732) (2.661) (2.490)

4.375 (3.708) (3.647) (3.617) (3.487) 4.375 (3.527) (3.466) (3.436) (3.306) 3.875 (2.587) (2.486) (2.415) (2.244)

4.250 (3.323) (3.263) (3.232) (3.102) 4.250 (3.142) (3.082) (3.051) (2.921) 3.750 (2.283) (2.182) (2.111) (1.940)

4.125 (3.132) (3.026) (2.951) (2.775) 4.125 (2.812) (2.707) (2.631) (2.495) 3.625 (1.906) (1.805) (1.734) (1.563)

4.000 (2.767) (2.661) (2.585) (2.410) 4.000 (2.541) (2.435) (2.359) (2.184) 3.500 (2.559) (2.472) (2.415) (2.258)

3.990 (2.760) (2.655) (2.579) (2.404) 3.990 (2.542) (2.436) (2.361) (2.185) 3.375 (2.324) (2.237) (2.180) (2.024)

3.875 (2.367) (2.261) (2.186) (2.010) 3.875 (2.186) (2.080) (2.005) (1.829) 3.250 (1.989) (1.902) (1.846) (1.689)

3.750 (1.933) (1.827) (1.752) (1.576) 3.750 (1.752) (1.646) (1.571) (1.395) 3.125 (1.567) (1.480) (1.423) (1.266)

3.625 (2.422) (2.286) (2.180) (1.974) 3.625 (2.102) (1.966) (1.860) (1.654) 3.000 (1.526) (1.411) (1.325) (1.140)

3.500 (1.994) (1.858) (1.752) (1.546) 3.500 (1.761) (1.625) (1.520) (1.314) 2.990 (1.529) (1.414) (1.329) (1.144)

3.375 (1.529) (1.393) (1.287) (1.081) 3.375 (1.343) (1.207) (1.101) (0.895) 2.875 (1.192) (1.077) (0.992) (0.807)

3.250 (1.024) (0.888) (0.782) (0.576) 3.250 (0.842) (0.706) (0.600) (0.394) 2.750 (0.787) (0.672) (0.587) (0.402)

3.125 (0.377) (0.241) (0.135) 0.071 3.125 (0.196) (0.060) 0.046 0.252 2.625 (0.311) (0.196) (0.111) 0.074

3.000 0.386 0.522 0.628 0.833 3.000 0.587 0.723 0.829 1.035 2.500 (0.196) (0.067) 0.033 0.232

2.990 0.241 0.377 0.483 0.689 2.990 0.422 0.558 0.664 0.870 2.375 0.235 0.364 0.464 0.663

2.875 0.812 0.947 1.053 1.259 2.875 1.024 1.160 1.266 1.472 2.250 0.703 0.833 0.932 1.132

2.750 1.432 1.568 1.674 1.880 2.750 1.613 1.749 1.855 2.061 2.125 1.231 1.360 1.460 1.659

2.625 2.132 2.268 2.374 2.580 2.625 2.313 2.449 2.555 2.761 2.000 1.769 1.899 1.998 2.198

2.500 2.902 3.038 3.144 3.350 2.500 3.083 3.219 3.325 3.531 1.990 1.812 1.942 2.041 2.241

2.375 3.711 3.847 3.953 4.159 2.375 3.892 4.028 4.134 4.340 1.875 2.302 2.431 2.531 2.730

2.250 4.533 4.668 4.774 4.980 2.250 4.714 4.849 4.955 5.161 1.750 2.848 2.978 3.077 3.277

15 Day 30 Day 45 Day 60 Day

4.000 (2.468) (2.367) (2.296) (2.125)

3.990 (2.439) (2.338) (2.267) (2.096)

3.875 (2.213) (2.112) (2.041) (1.870)

3.750 (1.929) (1.828) (1.757) (1.585)

3.625 (1.659) (1.558) (1.487) (1.316)

3.500 (2.146) (2.060) (2.003) (1.846)

3.375 (1.912) (1.825) (1.768) (1.611)

3.250 (1.629) (1.542) (1.485) (1.328)

3.125 (1.319) (1.232) (1.175) (1.018)

3.000 (1.125) (1.010) (0.925) (0.740)

2.990 (1.146) (1.031) (0.945) (0.760)

2.875 (0.834) (0.719) (0.633) (0.448)

2.750 (0.496) (0.380) (0.295) (0.110)

2.625 (0.084) 0.031 0.116 0.301

2.500 0.187 0.316 0.416 0.615

2.375 0.558 0.687 0.787 0.986

2.250 0.979 1.108 1.208 1.407

2.125 1.491 1.621 1.720 1.919

2.000 1.964 2.094 2.193 2.393

1.990 2.007 2.137 2.236 2.436

1.875 2.497 2.626 2.726 2.925

1.750 3.043 3.173 3.272 3.472


< 620 620 - 639 640 - 659 680 - 699 700 - 719 720 - 739 740 - 759 ≥ 760

NA 0.500 0.500 0.000 0.000 0.000 0.000 0.000

NA 1.500 1.250 0.500 0.500 0.250 0.250 0.250

NA 3.000 2.750 1.250 1.000 0.500 0.250 0.250

NA 3.000 3.000 1.750 1.250 0.750 0.500 0.500

NA 3.250 3.250 1.500 1.000 0.500 0.250 0.250

NA 3.250 2.750 1.250 1.000 0.500 0.250 0.250

NA 3.250 2.750 1.250 1.000 0.500 0.250 0.250

NA 3.500 2.750 1.500 1.500 1.000 0.750 0.750

NA 1.625 0.625 0.375 0.375 0.375 0.375 0.375

NA 2.625 1.625 1.125 1.000 1.000 0.625 0.625

NA 3.125 2.625 1.750 1.125 1.125 0.875 0.875

620 - 639 640 - 659 660 - 679 680 - 699 700 - 719 720 - 739 740 - 759 760-779 780-799 ≥ 800

1.000 0.950 0.950 0.650 0.300 0.200 0.120 0.110 0.100

1.300 1.300 1.300 1.000 0.700 0.500 0.500 0.500 0.500

1.230 1.230 1.230 0.700 0.490 0.250 0.250 0.250 0.250

2.630 2.630 2.630 1.750 1.330 1.190 1.190 1.190 1.190

≤ 85 0.490 0.440 0.420 0.380 0.220 0.170 0.110 0.110 0.110

85.01 - 90 1.250 1.010 0.890 0.750 0.500 0.390 0.280 0.280 0.280

90.01 - 95 1.530 1.270 1.120 1.000 0.570 0.440 0.350 0.350 0.350

95.01 - 97 1.820 1.600 1.420 1.240 0.760 0.620 0.380 0.380 0.380

≤ 85 0.580 0.510 0.480 0.390 0.360 0.360 0.360 0.360 0.360

85.01 - 90 1.810 1.650 1.510 1.150 0.850 0.680 0.520 0.470 0.470

90.01 - 95 4.090 3.690 3.350 2.550 1.760 1.390 0.950 0.840 0.810

95.01 - 97 6.290 5.720 5.260 3.920 2.650 2.060 1.390 1.310 1.300

≤ 85 1.430 1.340 1.210 0.900 0.670 0.570 0.470 0.470 0.470

85.01 - 90 3.840 3.510 3.310 2.400 1.640 1.340 0.940 0.830 0.790

90.01 - 95 5.080 4.580 4.210 3.180 2.170 1.740 1.240 1.030 0.960

95.01 - 97 6.550 5.980 5.520 4.110 2.770 2.170 1.510 1.330 1.310

LTV CLTV < 720 ≥ 720 Purchase FICO/Loan Size Adjustments

≤ 65 80.01 - 95 0.500 0.250 Loan Amount 620-639 640-659 660-679 680-699 700-719 720-739 740-759 760-779 780+

65.01-75 80.01 - 95 0.750 0.500 <$50k 1.000 1.000 1.000 0.850 0.850 0.600 0.600 0.600 0.500

75.01-95 90.01 - 95 1.000 0.750 $50k-$74.9k 0.000 0.000 0.000 -0.150 -0.150 -0.400 -0.400 -0.400 -0.500

75.01-90 76.01 - 90 1.000 0.750 $75k-$99.9k 0.000 0.000 0.000 -0.150 -0.150 -0.400 -0.400 -0.400 -0.500

≤ 95 95.01 - 97 1.500 1.500 $100k-$124.9k -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750

ALL ALL 0.375 0.375 $125k-$149.9k -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750

<= 75 2.125 $150k-$199.9k -0.500 -0.500 -0.500 -0.650 -0.650 -0.900 -0.900 -0.900 -1.000

LTV 75.01 - 80 3.375 $200k-$249.9k -0.500 -0.500 -0.500 -0.650 -0.650 -0.900 -0.900 -0.900 -1.000

> 80 4.125 $250k-$299.9k -0.700 -0.700 -0.700 -0.850 -0.850 -1.100 -1.100 -1.100 -1.200

Purch - R/T Refi. 0.250 $300k-$399.9k -0.700 -0.700 -0.700 -0.850 -0.850 -1.100 -1.100 -1.100 -1.200

C/O Refi. 1.000 $400k-$499.9k -0.700 -0.700 -0.700 -0.850 -0.850 -1.100 -1.100 -1.100 -1.200

2-4 Units 1.000 $500k-Conf Limit -0.700 -0.700 -0.700 -0.850 -0.850 -1.100 -1.100 -1.100 -1.200

Manufactured Home 1.000 High Balance -0.500 -0.500 -0.500 -0.650 -0.650 -0.900 -0.900 -0.900 -1.000

Attached Condo>75 LTV(>15yr Term) 0.750

Escrow Waiver (Full or Taxes Only) 0.100 Refinance FICO/Loan Size Adjustments

Escrow Waiver (Insurance Only) 0.000 620-639 640-659 660-679 680-699 700-719 720-739 740-759 760-779 780+

Second Home > 85 0.250 <$50k 1.250 1.250 1.250 1.100 1.100 0.850 0.850 0.850 0.750

90 Day Lock (FRM Only) 0.500 $50k-$74.9k 0.250 0.250 0.250 0.100 0.100 -0.150 -0.150 -0.150 -0.250

RefiNow Adverse Market Refi (>$300K) 0.000 $75k-$99.9k 0.250 0.250 0.250 0.100 0.100 -0.150 -0.150 -0.150 -0.250

$100k-$124.9k 0.000 0.000 0.000 -0.150 -0.150 -0.400 -0.400 -0.400 -0.500

Loan Size Units Purchase/R&T Cash Out $125k-$149.9k 0.000 0.000 0.000 -0.150 -0.150 -0.400 -0.400 -0.400 -0.500

>$548,250<=$625,000 1 0.200 0.500 $150k-$199.9k -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750

>$702,000<=$800,250 2 0.200 0.500 $200k-$249.9k -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750

>$848,250<=$967,250 3 0.200 0.500 $250k-$299.9k -0.450 -0.450 -0.450 -0.600 -0.600 -0.850 -0.850 -0.850 -0.950

>$1,054,500<=$1,202,000 4 0.200 0.500 $300k-$399.9k -0.450 -0.450 -0.450 -0.600 -0.600 -0.850 -0.850 -0.850 -0.950

*Adjustments would apply in HI up to the conforming limits allowed in that state. $400k-$499.9k -0.450 -0.450 -0.450 -0.600 -0.600 -0.850 -0.850 -0.850 -0.950

No Lender Fee options are available through the pricing engine online. $500k-Conf Limit -0.450 -0.450 -0.450 -0.600 -0.600 -0.850 -0.850 -0.850 -0.950

High Balance -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750

Max YSP -6.000

Sub FinancingExcludes Community

Seconds®

Non Owner

Occupied

High Balance Adjustments

Misc Adjusters

Expanded

Conforming Loan

Amounts*

> 20 Yr Term

NA 0.770

NA 1.970

NA 2.570

NA 3.310

≤ 20 Yr Term

NA 0.360

NA 0.950

NA 2.020

NA 3.120

LTV Adjusters

DTI > 45

NA 0.300

NA 0.620

NA 0.720

NA 1.060

NA 1.000

2nd Home NA 0.700

Non Owner Occupied NA 1.750

1.125

75.01 - 80 1.875

< 620

Lender Paid MI

Adj.

Premium Adjusters

Rate & Term Refi NA 0.400

Manufactured Home

90.01 - 95 2.250

95.01 - 97 2.250

Cash-Out LTV≤ 60 0.625

60.01 - 75

2.250

75.01 - 80 2.750

80.01 - 85 2.750

85.01 - 90 2.250

Fannie Mae 10yr High Balance

660 - 679

All Fixed Conforming

(does not apply to terms ≤ 15yrs)LTV

≤ 60 0.000

60.01 - 70 1.000

70.01 - 75

Fannie Mae 15yr Fixed Fannie Mae 10yr Fixed Fannie Mae 30yr High Balance

Fannie Mae 25yr High Balance Fannie Mae 20yr High Balance Fannie Mae 15yr High Balance


Fannie Mae - Conforming Fixed Rate Products

Fannie Mae 30yr Fixed Fannie Mae 25yr Fixed Fannie Mae 20yr Fixed


5.000 (7.377) (7.340) (7.332) (7.225) 5.000 (7.357) (7.319) (7.312) (7.204)

4.990 (7.360) (7.322) (7.314) (7.207) 4.990 (7.332) (7.295) (7.287) (7.179)

4.875 (7.067) (7.029) (7.022) (6.914) 4.875 (7.067) (7.029) (7.022) (6.914)

4.750 (6.739) (6.702) (6.694) (6.587) 4.750 (6.739) (6.702) (6.694) (6.587)

4.625 (6.481) (6.421) (6.391) (6.260) 4.625 (6.459) (6.399) (6.369) (6.238)

4.500 (6.179) (6.119) (6.089) (5.958) 4.500 (6.168) (6.108) (6.078) (5.947) 4.375 (6.294) (6.234) (6.204) (6.074)

4.375 (5.825) (5.765) (5.734) (5.604) 4.375 (5.825) (5.765) (5.734) (5.604) 4.250 (5.927) (5.867) (5.836) (5.706)

4.250 (5.443) (5.382) (5.352) (5.222) 4.250 (5.443) (5.382) (5.352) (5.222) 4.125 (5.726) (5.620) (5.544) (5.369)

4.125 (5.189) (5.084) (5.008) (4.832) 4.125 (5.152) (5.047) (4.971) (4.795) 4.000 (5.441) (5.335) (5.259) (5.084)

4.000 (4.810) (4.705) (4.629) (4.454) 4.000 (4.773) (4.667) (4.592) (4.416) 3.990 (5.477) (5.372) (5.296) (5.120)

3.990 (4.840) (4.734) (4.658) (4.483) 3.990 (4.797) (4.691) (4.616) (4.440) 3.875 (5.083) (4.977) (4.902) (4.726)

3.875 (4.408) (4.302) (4.226) (4.051) 3.875 (4.376) (4.271) (4.195) (4.019) 3.750 (4.596) (4.490) (4.414) (4.239)

3.750 (3.920) (3.815) (3.739) (3.564) 3.750 (3.910) (3.805) (3.729) (3.553) 3.625 (4.414) (4.278) (4.172) (3.966)

3.625 (3.534) (3.398) (3.292) (3.086) 3.625 (3.489) (3.353) (3.247) (3.041) 3.500 (4.052) (3.917) (3.811) (3.605)

3.500 (3.079) (2.943) (2.837) (2.631) 3.500 (3.031) (2.895) (2.789) (2.584) 3.375 (3.593) (3.457) (3.351) (3.145)

3.375 (2.574) (2.438) (2.332) (2.126) 3.375 (2.539) (2.403) (2.297) (2.091) 3.250 (3.033) (2.897) (2.792) (2.586)

3.250 (2.014) (1.878) (1.773) (1.567) 3.250 (2.002) (1.866) (1.761) (1.555) 3.125 (2.947) (2.811) (2.705) (2.499)

3.125 (1.324) (1.188) (1.082) (0.876) 3.125 (1.324) (1.188) (1.082) (0.876) 3.000 (2.512) (2.377) (2.271) (2.065)

3.000 (0.570) (0.434) (0.328) (0.122) 3.000 (0.555) (0.419) (0.313) (0.107) 2.990 (2.528) (2.392) (2.286) (2.080)

2.990 (0.578) (0.442) (0.336) (0.130) 2.990 (0.523) (0.387) (0.281) (0.075) 2.875 (1.978) (1.842) (1.736) (1.530)

2.875 0.010 0.146 0.252 0.458 2.875 0.051 0.187 0.293 0.498 2.750 (1.308) (1.172) (1.067) (0.861)

2.750 0.679 0.815 0.921 1.127 2.750 0.693 0.829 0.935 1.141 2.625 (0.535) (0.399) (0.293) (0.087)

2.625 1.487 1.623 1.729 1.935 2.625 1.478 1.613 1.719 1.925 2.500 0.254 0.388 0.471 0.654

2.500 2.373 2.509 2.615 2.821 2.500 2.345 2.480 2.586 2.792 2.375 0.901 1.014 1.097 1.280

2.375 3.107 3.221 3.304 3.487 2.375 3.154 3.267 3.350 3.533 2.250 1.679 1.792 1.875 2.058

2.250 3.885 3.998 4.082 4.265 2.250 3.901 4.014 4.097 4.280


4.000 (5.499) (5.398) (5.327) (5.156) 4.000 (6.179) (6.078) (6.007) (5.836) 4.625 (4.353) (4.293) (4.263) (4.132)

3.990 (5.461) (5.360) (5.289) (5.118) 3.990 (6.120) (6.019) (5.947) (5.776) 4.500 (4.054) (3.994) (3.964) (3.834)

3.875 (5.166) (5.065) (4.994) (4.823) 3.875 (5.924) (5.823) (5.752) (5.581) 4.375 (3.708) (3.647) (3.617) (3.487)

3.750 (4.777) (4.676) (4.605) (4.433) 3.750 (5.551) (5.450) (5.379) (5.208) 4.250 (3.323) (3.263) (3.232) (3.102)

3.625 (4.362) (4.261) (4.190) (4.019) 3.625 (5.057) (4.955) (4.884) (4.713) 4.125 (3.132) (3.026) (2.951) (2.775)

3.500 (4.683) (4.596) (4.539) (4.383) 3.500 (4.983) (4.896) (4.839) (4.682) 4.000 (2.767) (2.661) (2.585) (2.410)

3.375 (4.356) (4.270) (4.213) (4.056) 3.375 (4.777) (4.691) (4.634) (4.477) 3.990 (2.760) (2.655) (2.579) (2.404)

3.250 (3.978) (3.891) (3.834) (3.677) 3.250 (4.424) (4.337) (4.281) (4.124) 3.875 (2.367) (2.261) (2.186) (2.010)

3.125 (3.549) (3.462) (3.405) (3.248) 3.125 (3.938) (3.851) (3.794) (3.637) 3.750 (1.933) (1.827) (1.752) (1.576)

3.000 (3.339) (3.224) (3.139) (2.953) 3.000 (3.426) (3.339) (3.282) (3.126) 3.625 (2.422) (2.286) (2.180) (1.974)

2.990 (3.291) (3.176) (3.090) (2.905) 2.990 (3.386) (3.299) (3.242) (3.085) 3.500 (1.994) (1.858) (1.752) (1.546)

2.875 (2.911) (2.796) (2.711) (2.526) 2.875 (3.087) (2.972) (2.887) (2.702) 3.375 (1.529) (1.393) (1.287) (1.081)

2.750 (2.514) (2.399) (2.314) (2.129) 2.750 (2.714) (2.598) (2.513) (2.328) 3.250 (1.024) (0.888) (0.782) (0.576)

2.625 (2.025) (1.910) (1.825) (1.640) 2.625 (2.236) (2.121) (2.035) (1.850) 3.125 (0.377) (0.241) (0.135) 0.071

2.500 (1.515) (1.400) (1.315) (1.130) 2.500 (2.127) (1.998) (1.898) (1.699) 3.000 0.386 0.522 0.628 0.833

2.375 (0.973) (0.853) (0.768) (0.582) 2.375 (1.766) (1.637) (1.537) (1.338) 2.990 0.241 0.377 0.483 0.689

2.250 (0.501) (0.371) (0.272) (0.072) 2.250 (1.351) (1.222) (1.122) (0.923) 2.875 0.812 0.947 1.053 1.259

2.125 (0.010) 0.119 0.218 0.418 2.125 (0.869) (0.740) (0.640) (0.441) 2.750 1.432 1.568 1.674 1.880

2.000 0.549 0.678 0.778 0.977 2.000 (0.384) (0.254) (0.155) 0.044 2.625 2.132 2.268 2.374 2.580

1.990 0.603 0.732 0.832 1.031 1.990 (0.344) (0.214) (0.115) 0.084 2.500 2.902 3.038 3.144 3.350

1.875 1.166 1.296 1.395 1.594 1.875 0.074 0.204 0.303 0.503 2.375 3.711 3.847 3.953 4.159

1.750 1.799 1.928 2.028 2.227 1.750 0.541 0.670 0.770 0.969 2.250 4.533 4.668 4.774 4.980


4.625 (4.353) (4.293) (4.263) (4.132) 4.000 (2.864) (2.763) (2.692) (2.521)

4.500 (4.054) (3.994) (3.964) (3.834) 3.990 (2.833) (2.732) (2.661) (2.490)

4.375 (3.708) (3.647) (3.617) (3.487) 4.375 (3.527) (3.466) (3.436) (3.306) 3.875 (2.587) (2.486) (2.415) (2.244)

4.250 (3.323) (3.263) (3.232) (3.102) 4.250 (3.142) (3.082) (3.051) (2.921) 3.750 (2.283) (2.182) (2.111) (1.940)

4.125 (3.132) (3.026) (2.951) (2.775) 4.125 (2.812) (2.707) (2.631) (2.495) 3.625 (1.906) (1.805) (1.734) (1.563)

4.000 (2.767) (2.661) (2.585) (2.410) 4.000 (2.541) (2.435) (2.359) (2.184) 3.500 (2.559) (2.472) (2.415) (2.258)

3.990 (2.760) (2.655) (2.579) (2.404) 3.990 (2.542) (2.436) (2.361) (2.185) 3.375 (2.324) (2.237) (2.180) (2.024)

3.875 (2.367) (2.261) (2.186) (2.010) 3.875 (2.186) (2.080) (2.005) (1.829) 3.250 (1.989) (1.902) (1.846) (1.689)

3.750 (1.933) (1.827) (1.752) (1.576) 3.750 (1.752) (1.646) (1.571) (1.395) 3.125 (1.567) (1.480) (1.423) (1.266)

3.625 (2.422) (2.286) (2.180) (1.974) 3.625 (2.102) (1.966) (1.860) (1.654) 3.000 (1.526) (1.411) (1.325) (1.140)

3.500 (1.994) (1.858) (1.752) (1.546) 3.500 (1.761) (1.625) (1.520) (1.314) 2.990 (1.529) (1.414) (1.329) (1.144)

3.375 (1.529) (1.393) (1.287) (1.081) 3.375 (1.343) (1.207) (1.101) (0.895) 2.875 (1.192) (1.077) (0.992) (0.807)

3.250 (1.024) (0.888) (0.782) (0.576) 3.250 (0.842) (0.706) (0.600) (0.394) 2.750 (0.787) (0.672) (0.587) (0.402)

3.125 (0.377) (0.241) (0.135) 0.071 3.125 (0.196) (0.060) 0.046 0.252 2.625 (0.311) (0.196) (0.111) 0.074

3.000 0.386 0.522 0.628 0.833 3.000 0.587 0.723 0.829 1.035 2.500 (0.196) (0.067) 0.033 0.232

2.990 0.241 0.377 0.483 0.689 2.990 0.422 0.558 0.664 0.870 2.375 0.235 0.364 0.464 0.663

2.875 0.812 0.947 1.053 1.259 2.875 1.024 1.160 1.266 1.472 2.250 0.703 0.833 0.932 1.132

2.750 1.432 1.568 1.674 1.880 2.750 1.613 1.749 1.855 2.061 2.125 1.231 1.360 1.460 1.659

2.625 2.132 2.268 2.374 2.580 2.625 2.313 2.449 2.555 2.761 2.000 1.769 1.899 1.998 2.198

2.500 2.902 3.038 3.144 3.350 2.500 3.083 3.219 3.325 3.531 1.990 1.812 1.942 2.041 2.241

2.375 3.711 3.847 3.953 4.159 2.375 3.892 4.028 4.134 4.340 1.875 2.302 2.431 2.531 2.730

2.250 4.533 4.668 4.774 4.980 2.250 4.714 4.849 4.955 5.161 1.750 2.848 2.978 3.077 3.277


4.000 (2.468) (2.367) (2.296) (2.125)

3.990 (2.439) (2.338) (2.267) (2.096)

3.875 (2.213) (2.112) (2.041) (1.870)

3.750 (1.929) (1.828) (1.757) (1.585)

3.625 (1.659) (1.558) (1.487) (1.316)

3.500 (2.146) (2.060) (2.003) (1.846)

3.375 (1.912) (1.825) (1.768) (1.611)

3.250 (1.629) (1.542) (1.485) (1.328)

3.125 (1.319) (1.232) (1.175) (1.018)

3.000 (1.125) (1.010) (0.925) (0.740)

2.990 (1.146) (1.031) (0.945) (0.760)

2.875 (0.834) (0.719) (0.633) (0.448)

2.750 (0.496) (0.380) (0.295) (0.110)

2.625 (0.084) 0.031 0.116 0.301

2.500 0.187 0.316 0.416 0.615

2.375 0.558 0.687 0.787 0.986

2.250 0.979 1.108 1.208 1.407

2.125 1.491 1.621 1.720 1.919

2.000 1.964 2.094 2.193 2.393

1.990 2.007 2.137 2.236 2.436

1.875 2.497 2.626 2.726 2.925

1.750 3.043 3.173 3.272 3.472

< 620 620 - 639 640 - 659 680 - 699 700 - 719 720 - 739 740 - 759 ≥ 760

NA 0.500 0.50 0.000 0.000 0.000 0.000 0.000

NA 1.500 1.25 0.500 0.500 0.250 0.250 0.250

NA 3.000 2.75 1.250 1.000 0.500 0.250 0.250

NA 3.000 3.00 1.750 1.250 0.750 0.500 0.500

NA 3.250 3.25 1.500 1.000 0.500 0.250 0.250

NA 3.250 2.75 1.250 1.000 0.500 0.250 0.250

NA 3.250 2.75 1.250 1.000 0.500 0.250 0.250

NA 3.500 2.75 1.500 1.500 1.000 0.750 0.750

NA 1.625 0.625 0.375 0.375 0.375 0.375 0.375

NA 2.625 1.625 1.125 1.000 1.000 0.625 0.625

NA 3.125 2.625 1.750 1.125 1.125 0.875 0.875

NA NA NA NA NA NA NA NA

620 - 639 640 - 659 660 - 679 680 - 699 700 - 719 720 - 739 740 - 759 760-779 780-799 ≥ 800

1.000 0.950 0.950 0.650 0.300 0.200 0.120 0.110 0.100

1.300 1.300 1.300 1.000 0.700 0.500 0.500 0.500 0.500

1.230 1.230 1.230 0.700 0.490 0.250 0.250 0.250 0.250

2.630 2.630 2.630 1.750 1.330 1.190 1.190 1.190 1.190

≤ 85 0.490 0.440 0.420 0.380 0.220 0.170 0.110 0.110 0.110

85.01 - 90 1.250 1.010 0.890 0.750 0.500 0.390 0.280 0.280 0.280

90.01 - 95 1.530 1.270 1.120 1.000 0.570 0.440 0.350 0.350 0.350

95.01 - 97 1.820 1.600 1.420 1.240 0.760 0.620 0.380 0.380 0.380

≤ 85 0.580 0.510 0.480 0.390 0.360 0.360 0.360 0.360 0.360

85.01 - 90 1.810 1.650 1.510 1.150 0.850 0.680 0.520 0.470 0.470

90.01 - 95 4.090 3.690 3.350 2.550 1.760 1.390 0.950 0.840 0.810

95.01 - 97 6.290 5.720 5.260 3.920 2.650 2.060 1.390 1.310 1.300

≤ 85 1.430 1.340 1.210 0.900 0.670 0.570 0.470 0.470 0.470

85.01 - 90 3.840 3.510 3.310 2.400 1.640 1.340 0.940 0.830 0.790

90.01 - 95 5.080 4.580 4.210 3.180 2.170 1.740 1.240 1.030 0.960

95.01 - 97 6.550 5.980 5.520 4.110 2.770 2.170 1.510 1.330 1.310

LTV ≤ 80 80.01 - 85 > 85 Purchase FICO/Loan Size Adjustments

2 Units 1.000 1.000 1.000 Loan Amount 620-639 640-659 660-679 680-699 700-719 720-739 740-759 760-779 780+

3-4 units 1.000 1.500 2.000 <$50k 1.000 1.000 1.000 0.850 0.850 0.600 0.600 0.600 0.500

LTV CLTV < 720 ≥ 720 $50k-$74.9k 0.000 0.000 0.000 -0.150 -0.150 -0.400 -0.400 -0.400 -0.500

≤ 75 ≤ 80 0.375 0.375 $75k-$99.9k 0.000 0.000 0.000 -0.150 -0.150 -0.400 -0.400 -0.400 -0.500

≤ 65 80.01 - 95 0.875 0.625 $100k-$124.9k -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750

65.01-75 80.01 - 95 1.125 0.875 $125k-$149.9k -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750

75.01-95 76.01-95 1.375 1.125 $150k-$199.9k -0.500 -0.500 -0.500 -0.650 -0.650 -0.900 -0.900 -0.900 -1.000

<= 75 2.125 $200k-$249.9k -0.500 -0.500 -0.500 -0.650 -0.650 -0.900 -0.900 -0.900 -1.000

LTV 75.01 - 80 3.375 $250k-$299.9k -0.700 -0.700 -0.700 -0.850 -0.850 -1.100 -1.100 -1.100 -1.200

> 80 4.125 $300k-$399.9k -0.700 -0.700 -0.700 -0.850 -0.850 -1.100 -1.100 -1.100 -1.200

Purch - R/T Refi 0.250 $400k-$499.9k -0.700 -0.700 -0.700 -0.850 -0.850 -1.100 -1.100 -1.100 -1.200

C/O Refi 1.000 $500k-Conf Limit -0.700 -0.700 -0.700 -0.850 -0.850 -1.100 -1.100 -1.100 -1.200

Attached Condo > 75 LTV (>15yr Term) 0.750 High Balance -0.500 -0.500 -0.500 -0.650 -0.650 -0.900 -0.900 -0.900 -1.000

Escrow Waiver (Full or Taxes Only) 0.100

Escrow Waiver (Insurance Only) 0.000 Refinance FICO/Loan Size Adjustments

Manufactured Home (High Bal Excluded) 1.000 620-639 640-659 660-679 680-699 700-719 720-739 740-759 760-779 780+

Second Home > 85 LTV 0.250 <$50k 1.250 1.250 1.250 1.100 1.100 0.850 0.850 0.850 0.750

90 Day Lock (FRM Only) 0.500 $50k-$74.9k 0.250 0.250 0.250 0.100 0.100 -0.150 -0.150 -0.150 -0.250

Refi Possible 0.000 $75k-$99.9k 0.250 0.250 0.250 0.100 0.100 -0.150 -0.150 -0.150 -0.250

$100k-$124.9k 0.000 0.000 0.000 -0.150 -0.150 -0.400 -0.400 -0.400 -0.500

Loan Size Units Purchase/R&T Cash Out $125k-$149.9k 0.000 0.000 0.000 -0.150 -0.150 -0.400 -0.400 -0.400 -0.500

>$548,250<=$625,000 1 0.200 0.500 $150k-$199.9k -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750

>$702,000<=$800,250 2 0.200 0.500 $200k-$249.9k -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750

>$848,250<=$967,250 3 0.200 0.500 $250k-$299.9k -0.450 -0.450 -0.450 -0.600 -0.600 -0.850 -0.850 -0.850 -0.950

>$1,054,500<=$1,202,000 4 0.200 0.500 $300k-$399.9k -0.450 -0.450 -0.450 -0.600 -0.600 -0.850 -0.850 -0.850 -0.950

*Adjustments would apply in HI up to the conforming limits allowed in that state. $400k-$499.9k -0.450 -0.450 -0.450 -0.600 -0.600 -0.850 -0.850 -0.850 -0.950

No Lender Fee options are available through the pricing engine online. $500k-Conf Limit -0.450 -0.450 -0.450 -0.600 -0.600 -0.850 -0.850 -0.850 -0.950

High Balance -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750

Max YSP -6.000

Super Conforming Adjustments

Misc Adjusters

Expanded Conforming

Loan Amounts*

2.570

NA 3.310

Number Of Units

Subordinate Financing

Non Owner Occupied

NA 2.020

NA 3.120

> 20 Yr Term

NA 0.770

NA 1.970

NA

0.620

NA 0.720

NA 1.060

≤ 20 Yr Term

NA 0.360

NA 0.950

NA 0.700


LTV Adjusters

DTI > 45

NA 0.300

NA

< 620

Lender Paid MI

Adj.

Premium Adjusters


Manufactured Home NA 1.000

2nd Home

Cash-Out LTV

≤ 60 0.625

60.01 - 75 1.125

75.01 - 80 1.875

80.01 - 85 NA

85.01 - 90 2.250

90.01 - 95 2.250

95.01 - 97 2.250

70.01 - 75 2.250

75.01 - 80 2.750

80.01 - 85 2.750

Freddie Mac 10yr Super Conforming


660 - 679


(does not apply to terms <=15yrs)LTV

≤ 60 0.000

60.01 - 70 1.000

Freddie Mac 15yr Fixed Freddie Mac 10yr Fixed Freddie Mac 30yr Super Conforming

Freddie Mac 25yr Super Conforming Freddie Mac 20yr Super Conforming Freddie Mac 15yr Super Conforming


Freddie Mac - Conforming Fixed Rate Products

Freddie Mac 30yr Fixed Freddie Mac 25yr Fixed Freddie Mac 20yr Fixed


5.000 (7.377) (7.340) (7.332) (7.225) 5.000 (7.357) (7.319) (7.312) (7.204)

4.990 (7.360) (7.322) (7.314) (7.207) 4.990 (7.332) (7.295) (7.287) (7.179)

4.875 (7.067) (7.029) (7.022) (6.914) 4.875 (7.067) (7.029) (7.022) (6.914)

4.750 (6.739) (6.702) (6.694) (6.587) 4.750 (6.739) (6.702) (6.694) (6.587)

4.625 (6.481) (6.421) (6.391) (6.260) 4.625 (6.459) (6.399) (6.369) (6.238)

4.500 (6.179) (6.119) (6.089) (5.958) 4.500 (6.168) (6.108) (6.078) (5.947) 4.375 (6.294) (6.234) (6.204) (6.074)

4.375 (5.825) (5.765) (5.734) (5.604) 4.375 (5.825) (5.765) (5.734) (5.604) 4.250 (5.927) (5.867) (5.836) (5.706)

4.250 (5.443) (5.382) (5.352) (5.222) 4.250 (5.443) (5.382) (5.352) (5.222) 4.125 (5.726) (5.620) (5.544) (5.369)

4.125 (5.189) (5.084) (5.008) (4.832) 4.125 (5.152) (5.047) (4.971) (4.795) 4.000 (5.441) (5.335) (5.259) (5.084)

4.000 (4.810) (4.705) (4.629) (4.454) 4.000 (4.773) (4.667) (4.592) (4.416) 3.990 (5.477) (5.372) (5.296) (5.120)

3.990 (4.840) (4.734) (4.658) (4.483) 3.990 (4.797) (4.691) (4.616) (4.440) 3.875 (5.083) (4.977) (4.902) (4.726)

3.875 (4.408) (4.302) (4.226) (4.051) 3.875 (4.376) (4.271) (4.195) (4.019) 3.750 (4.596) (4.490) (4.414) (4.239)

3.750 (3.920) (3.815) (3.739) (3.564) 3.750 (3.910) (3.805) (3.729) (3.553) 3.625 (4.414) (4.278) (4.172) (3.966)

3.625 (3.534) (3.398) (3.292) (3.086) 3.625 (3.489) (3.353) (3.247) (3.041) 3.500 (4.052) (3.917) (3.811) (3.605)

3.500 (3.079) (2.943) (2.837) (2.631) 3.500 (3.031) (2.895) (2.789) (2.584) 3.375 (3.593) (3.457) (3.351) (3.145)

3.375 (2.574) (2.438) (2.332) (2.126) 3.375 (2.539) (2.403) (2.297) (2.091) 3.250 (3.033) (2.897) (2.792) (2.586)

3.250 (2.014) (1.878) (1.773) (1.567) 3.250 (2.002) (1.866) (1.761) (1.555) 3.125 (2.947) (2.811) (2.705) (2.499)

3.125 (1.324) (1.188) (1.082) (0.876) 3.125 (1.324) (1.188) (1.082) (0.876) 3.000 (2.512) (2.377) (2.271) (2.065)

3.000 (0.570) (0.434) (0.328) (0.122) 3.000 (0.555) (0.419) (0.313) (0.107) 2.990 (2.528) (2.392) (2.286) (2.080)

2.990 (0.578) (0.442) (0.336) (0.130) 2.990 (0.523) (0.387) (0.281) (0.075) 2.875 (1.978) (1.842) (1.736) (1.530)

2.875 0.010 0.146 0.252 0.458 2.875 0.051 0.187 0.293 0.498 2.750 (1.308) (1.172) (1.067) (0.861)

2.750 0.679 0.815 0.921 1.127 2.750 0.693 0.829 0.935 1.141 2.625 (0.535) (0.399) (0.293) (0.087)

2.625 1.487 1.623 1.729 1.935 2.625 1.478 1.613 1.719 1.925 2.500 0.254 0.388 0.471 0.654

2.500 2.373 2.509 2.615 2.821 2.500 2.345 2.480 2.586 2.792 2.375 0.901 1.014 1.097 1.280

2.375 3.107 3.221 3.304 3.487 2.375 3.154 3.267 3.350 3.533 2.250 1.679 1.792 1.875 2.058

2.250 3.885 3.998 4.082 4.265 2.250 3.901 4.014 4.097 4.280


4.000 (5.499) (5.398) (5.327) (5.156) 4.000 (6.179) (6.078) (6.007) (5.836)

3.990 (5.461) (5.360) (5.289) (5.118) 3.990 (6.120) (6.019) (5.947) (5.776)

3.875 (5.166) (5.065) (4.994) (4.823) 3.875 (5.924) (5.823) (5.752) (5.581)

3.750 (4.777) (4.676) (4.605) (4.433) 3.750 (5.551) (5.450) (5.379) (5.208)

3.625 (4.362) (4.261) (4.190) (4.019) 3.625 (5.057) (4.955) (4.884) (4.713)

3.500 (4.683) (4.596) (4.539) (4.383) 3.500 (4.983) (4.896) (4.839) (4.682)

3.375 (4.356) (4.270) (4.213) (4.056) 3.375 (4.777) (4.691) (4.634) (4.477)

3.250 (3.978) (3.891) (3.834) (3.677) 3.250 (4.424) (4.337) (4.281) (4.124)

3.125 (3.549) (3.462) (3.405) (3.248) 3.125 (3.938) (3.851) (3.794) (3.637)

3.000 (3.339) (3.224) (3.139) (2.953) 3.000 (3.426) (3.339) (3.282) (3.126)

2.990 (3.291) (3.176) (3.090) (2.905) 2.990 (3.386) (3.299) (3.242) (3.085)

2.875 (2.911) (2.796) (2.711) (2.526) 2.875 (3.087) (2.972) (2.887) (2.702)

2.750 (2.514) (2.399) (2.314) (2.129) 2.750 (2.714) (2.598) (2.513) (2.328)

2.625 (2.025) (1.910) (1.825) (1.640) 2.625 (2.236) (2.121) (2.035) (1.850)

2.500 (1.515) (1.400) (1.315) (1.130) 2.500 (2.127) (1.998) (1.898) (1.699)

2.375 (0.973) (0.853) (0.768) (0.582) 2.375 (1.766) (1.637) (1.537) (1.338)

2.250 (0.501) (0.371) (0.272) (0.072) 2.250 (1.351) (1.222) (1.122) (0.923)

2.125 (0.010) 0.119 0.218 0.418 2.125 (0.869) (0.740) (0.640) (0.441)

2.000 0.549 0.678 0.778 0.977 2.000 (0.384) (0.254) (0.155) 0.044

1.990 0.603 0.732 0.832 1.031 1.990 (0.344) (0.214) (0.115) 0.084

1.875 1.166 1.296 1.395 1.594 1.875 0.074 0.204 0.303 0.503

1.750 1.799 1.928 2.028 2.227 1.750 0.541 0.670 0.770 0.969


3.250 (0.873) (0.783) (0.723) (0.564) 3.375 (0.618) (0.528) (0.469) (0.309) 3.500 (0.662) (0.574) (0.515) (0.357)

3.125 (0.734) (0.644) (0.585) (0.425) 3.250 (0.488) (0.398) (0.339) (0.179) 3.375 (0.430) (0.341) (0.283) (0.125)

3.000 (0.564) (0.474) (0.414) (0.254) 3.125 (0.358) (0.269) (0.209) (0.049) 3.250 (0.197) (0.109) (0.050) 0.108

2.990 (0.534) (0.444) (0.384) (0.224) 3.000 (0.266) (0.176) (0.116) 0.044 3.125 0.036 0.124 0.182 0.341

2.875 (0.425) (0.335) (0.275) (0.115) 2.990 (0.236) (0.146) (0.086) 0.074 3.000 0.269 0.357 0.415 0.574

2.750 (0.286) (0.196) (0.136) 0.024 2.875 (0.136) (0.046) 0.014 0.174 2.990 0.299 0.387 0.445 0.604

2.625 (0.147) (0.057) 0.003 0.163 2.750 (0.006) 0.084 0.144 0.304 2.875 0.502 0.590 0.648 0.807

2.500 (0.008) 0.082 0.142 0.302 2.625 0.087 0.177 0.237 0.397 2.750 0.735 0.824 0.882 1.040

2.375 0.131 0.221 0.281 0.441 2.500 0.217 0.307 0.367 0.527 2.625 0.969 1.057 1.115 1.274

2.250 0.270 0.360 0.420 0.580 2.375 0.347 0.437 0.497 0.657 2.500 1.203 1.291 1.349 1.507

2.125 0.409 0.499 0.559 0.719 2.250 0.477 0.567 0.627 0.787 2.375 1.436 1.525 1.583 1.741

< 620 620 - 639 640 - 659 680 - 699 700 - 719 720 - 739 740 - 759 ≥ 760

NA 0.500 0.500 0.000 0.000 0.000 0.000 0.000

NA 1.500 1.250 0.500 0.500 0.250 0.250 0.250

NA 3.000 2.750 1.250 1.000 0.500 0.250 0.250

NA 3.000 3.000 1.750 1.250 0.750 0.500 0.500

NA 3.250 3.250 1.500 1.000 0.500 0.250 0.250

NA 3.250 2.750 1.250 1.000 0.500 0.250 0.250

NA 3.250 2.750 1.250 1.000 0.500 0.250 0.250

NA 3.500 2.750 1.500 1.500 1.000 0.750 0.750




620 - 639 640 - 659 660 - 679 680 - 699 700 - 719 720 - 739 740 - 759 760-779 780-799 ≥ 800

1.000 0.950 0.950 0.650 0.300 0.200 0.120 0.110 0.100

1.300 1.300 1.300 1.000 0.700 0.500 0.500 0.500 0.500

≤ 85 0.490 0.440 0.420 0.380 0.220 0.170 0.110 0.110 0.110

85.01 - 90 1.250 1.010 0.890 0.750 0.500 0.390 0.280 0.280 0.280

90.01 - 95 1.530 1.270 1.120 1.000 0.570 0.440 0.350 0.350 0.350

95.01 - 97 1.820 1.600 1.420 1.240 0.760 0.620 0.380 0.380 0.380

≤ 85 0.580 0.510 0.480 0.390 0.360 0.360 0.360 0.360 0.360

85.01 - 90 1.810 1.650 1.510 1.150 0.850 0.680 0.520 0.470 0.470

90.01 - 95 4.090 3.690 3.350 2.550 1.760 1.390 0.950 0.840 0.810

95.01 - 97 4.720 4.260 3.850 2.890 1.980 1.550 1.050 1.050 1.050

≤ 85 1.430 1.340 1.210 0.900 0.670 0.570 0.470 0.470 0.470

85.01 - 90 3.840 3.510 3.310 2.400 1.640 1.340 0.940 0.830 0.790

90.01 - 95 4.340 3.940 3.610 2.740 1.870 1.510 1.070 0.900 0.840

95.01 - 97 4.980 4.510 4.110 3.070 2.100 1.670 1.170 1.110 1.080

LTV CLTV < 720 ≥ 720 Purchase FICO/Loan Size Adjustments - Applied after Cap

≤ 65 80.01 - 95 0.500 0.250 Loan Amount 620-639 640-659 660-679 680-699 700-719 720-739 740-759 760-779 780+

65.01-75 80.01 - 95 0.750 0.500 <$50k 1.000 1.000 1.000 0.850 0.850 0.600 0.600 0.600 0.500

75.01-95 90.01 - 95 1.000 0.750 $50k-$74.9k 0.000 0.000 0.000 -0.150 -0.150 -0.400 -0.400 -0.400 -0.500

75.01-90 76.01 - 90 1.000 0.750 $75k-$99.9k 0.000 0.000 0.000 -0.150 -0.150 -0.400 -0.400 -0.400 -0.500

≤ 95 95.01 - 97 1.500 1.500 $100k-$124.9k -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750

ALL ALL 0.375 0.375 $125k-$149.9k -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750

2-4 Units 1.000 $150k-$199.9k -0.500 -0.500 -0.500 -0.650 -0.650 -0.900 -0.900 -0.900 -1.000

Attached Condo > 75 LTV (>15yr Term) 0.750 $200k-$249.9k -0.500 -0.500 -0.500 -0.650 -0.650 -0.900 -0.900 -0.900 -1.000

Manufactured Home 0.500 $250k-$299.9k -0.700 -0.700 -0.700 -0.850 -0.850 -1.100 -1.100 -1.100 -1.200

$300k-$399.9k -0.700 -0.700 -0.700 -0.850 -0.850 -1.100 -1.100 -1.100 -1.200

Adjustments Applied after Cap $400k-$499.9k -0.700 -0.700 -0.700 -0.850 -0.850 -1.100 -1.100 -1.100 -1.200

Escrow Waiver (Full or Taxes Only) 0.100 $500k-Conf Limit -0.700 -0.700 -0.700 -0.850 -0.850 -1.100 -1.100 -1.100 -1.200


FICO LTV Refinance FICO/Loan Size Adjustments - Applied after Cap

0.000 ≥ 680 > 80% 620-639 640-659 660-679 680-699 700-719 720-739 740-759 760-779 780+

Adjustment Caps 1.500 < 680 > 80% <$50k 1.250 1.250 1.250 1.100 1.100 0.850 0.850 0.850 0.750

1.500 All ≤ 80% $50k-$74.9k 0.250 0.250 0.250 0.100 0.100 -0.150 -0.150 -0.150 -0.250

$75k-$99.9k 0.250 0.250 0.250 0.100 0.100 -0.150 -0.150 -0.150 -0.250

$100k-$124.9k 0.000 0.000 0.000 -0.150 -0.150 -0.400 -0.400 -0.400 -0.500

$125k-$149.9k 0.000 0.000 0.000 -0.150 -0.150 -0.400 -0.400 -0.400 -0.500

*Some adjustment details may not appear when pricing through the portal, $150k-$199.9k -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750

however the final price will match the rate sheet. $200k-$249.9k -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750

$250k-$299.9k -0.450 -0.450 -0.450 -0.600 -0.600 -0.850 -0.850 -0.850 -0.950

No Lender Fee options are available through the pricing engine online. $300k-$399.9k -0.450 -0.450 -0.450 -0.600 -0.600 -0.850 -0.850 -0.850 -0.950

$400k-$499.9k -0.450 -0.450 -0.450 -0.600 -0.600 -0.850 -0.850 -0.850 -0.950

Max YSP -6.000 $500k-Conf Limit -0.450 -0.450 -0.450 -0.600 -0.600 -0.850 -0.850 -0.850 -0.950

High Balance -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750

2.470

Subordinate

Financing

Excludes

Community

Seconds®

Misc Adjusters

NA 2.290

> 20 Yr Term

NA 0.770

NA 1.970

NA 2.210

NA

0.720

NA 1.060

≤ 20 Yr Term

NA 0.360

NA 0.950

NA 2.020


LTV Adjusters

DTI > 45

NA 0.300

NA 0.620

NA

NA

75.01 - 80 NA

LPMI Adjustments Applied after Cap

< 620

Lender Paid MI

Adj.

Premium

Adjusters


90.01 - 95 2.250

95.01 - 97 2.250

Cash-Out LTV

≤ 60 NA

60.01 - 75

75.01 - 80 2.750

80.01 - 85 2.750

85.01 - 90 2.250

660 - 679

All Fixed Conforming (does not

apply to terms ≤ 15yrs)LTV

≤ 60 0.000

60.01 - 70 1.000

70.01 - 75 2.250

FNMA HomeReady™ 15 Yr Fixed FNMA HomeReady™ 10 Yr Fixed

FNMA HomeReady™ 5/6 SOFR ARM (2/1/5) FNMA HomeReady™ 7/6 SOFR ARM (5/1/5) FNMA HomeReady™ 10/6 SOFR ARM (5/1/5)



FNMA - HomeReady™ Products

FNMA HomeReady™ 30 Yr Fixed FNMA HomeReady™ 25 Yr Fixed FNMA HomeReady™ 20 Yr Fixed


4.625 (4.353) (4.293) (4.263) (4.132)

4.625 (4.353) (4.293) (4.263) (4.132) 4.500 (4.054) (3.994) (3.964) (3.834)

4.500 (4.054) (3.994) (3.964) (3.834) 4.375 (3.708) (3.647) (3.617) (3.487) 4.375 (3.527) (3.466) (3.436) (3.306)

4.375 (3.708) (3.647) (3.617) (3.487) 4.250 (3.323) (3.263) (3.232) (3.102) 4.250 (3.142) (3.082) (3.051) (2.921)

4.250 (3.323) (3.263) (3.232) (3.102) 4.125 (3.132) (3.026) (2.951) (2.775) 4.125 (2.812) (2.707) (2.631) (2.495)

4.125 (3.132) (3.026) (2.951) (2.775) 4.000 (2.767) (2.661) (2.585) (2.410) 4.000 (2.541) (2.435) (2.359) (2.184)

4.000 (2.767) (2.661) (2.585) (2.410) 3.990 (2.760) (2.655) (2.579) (2.404) 3.990 (2.542) (2.436) (2.361) (2.185)

3.990 (2.760) (2.655) (2.579) (2.404) 3.875 (2.367) (2.261) (2.186) (2.010) 3.875 (2.186) (2.080) (2.005) (1.829)

3.875 (2.367) (2.261) (2.186) (2.010) 3.750 (1.933) (1.827) (1.752) (1.576) 3.750 (1.752) (1.646) (1.571) (1.395)

3.750 (1.933) (1.827) (1.752) (1.576) 3.625 (2.422) (2.286) (2.180) (1.974) 3.625 (2.102) (1.966) (1.860) (1.654)

3.625 (2.422) (2.286) (2.180) (1.974) 3.500 (1.994) (1.858) (1.752) (1.546) 3.500 (1.761) (1.625) (1.520) (1.314)

3.500 (1.994) (1.858) (1.752) (1.546) 3.375 (1.529) (1.393) (1.287) (1.081) 3.375 (1.343) (1.207) (1.101) (0.895)

3.375 (1.529) (1.393) (1.287) (1.081) 3.250 (1.024) (0.888) (0.782) (0.576) 3.250 (0.842) (0.706) (0.600) (0.394)

3.250 (1.024) (0.888) (0.782) (0.576) 3.125 (0.377) (0.241) (0.135) 0.071 3.125 (0.196) (0.060) 0.046 0.252

3.125 (0.377) (0.241) (0.135) 0.071 3.000 0.386 0.522 0.628 0.833 3.000 0.587 0.723 0.829 1.035

3.000 0.386 0.522 0.628 0.833 2.990 0.241 0.377 0.483 0.689 2.990 0.422 0.558 0.664 0.870

2.990 0.241 0.377 0.483 0.689 2.875 0.812 0.947 1.053 1.259 2.875 1.024 1.160 1.266 1.472

2.875 0.812 0.947 1.053 1.259 2.750 1.432 1.568 1.674 1.880 2.750 1.613 1.749 1.855 2.061

2.750 1.432 1.568 1.674 1.880 2.625 2.132 2.268 2.374 2.580 2.625 2.313 2.449 2.555 2.761

2.625 2.132 2.268 2.374 2.580 2.500 2.902 3.038 3.144 3.350 2.500 3.083 3.219 3.325 3.531

2.500 2.902 3.038 3.144 3.350 2.375 3.711 3.847 3.953 4.159 2.375 3.892 4.028 4.134 4.340

2.375 3.711 3.847 3.953 4.159 2.250 4.533 4.668 4.774 4.980 2.250 4.714 4.849 4.955 5.161


4.000 (2.864) (2.763) (2.692) (2.521) 4.000 (2.468) (2.367) (2.296) (2.125)

3.990 (2.833) (2.732) (2.661) (2.490) 3.990 (2.439) (2.338) (2.267) (2.096)

3.875 (2.587) (2.486) (2.415) (2.244) 3.875 (2.213) (2.112) (2.041) (1.870)

3.750 (2.283) (2.182) (2.111) (1.940) 3.750 (1.929) (1.828) (1.757) (1.585)

3.625 (1.906) (1.805) (1.734) (1.563) 3.625 (1.659) (1.558) (1.487) (1.316)

3.500 (2.559) (2.472) (2.415) (2.258) 3.500 (2.146) (2.060) (2.003) (1.846)

3.375 (2.324) (2.237) (2.180) (2.024) 3.375 (1.912) (1.825) (1.768) (1.611)

3.250 (1.989) (1.902) (1.846) (1.689) 3.250 (1.629) (1.542) (1.485) (1.328)

3.125 (1.567) (1.480) (1.423) (1.266) 3.125 (1.319) (1.232) (1.175) (1.018)

3.000 (1.526) (1.411) (1.325) (1.140) 3.000 (1.125) (1.010) (0.925) (0.740)

2.990 (1.529) (1.414) (1.329) (1.144) 2.990 (1.146) (1.031) (0.945) (0.760)

2.875 (1.192) (1.077) (0.992) (0.807) 2.875 (0.834) (0.719) (0.633) (0.448)

2.750 (0.787) (0.672) (0.587) (0.402) 2.750 (0.496) (0.380) (0.295) (0.110)

2.625 (0.311) (0.196) (0.111) 0.074 2.625 (0.084) 0.031 0.116 0.301

2.500 (0.196) (0.067) 0.033 0.232 2.500 0.187 0.316 0.416 0.615

2.375 0.235 0.364 0.464 0.663 2.375 0.558 0.687 0.787 0.986

2.250 0.703 0.833 0.932 1.132 2.250 0.979 1.108 1.208 1.407

2.125 1.231 1.360 1.460 1.659 2.125 1.491 1.621 1.720 1.919

2.000 1.769 1.899 1.998 2.198 2.000 1.964 2.094 2.193 2.393

1.990 1.812 1.942 2.041 2.241 1.990 2.007 2.137 2.236 2.436

1.875 2.302 2.431 2.531 2.730 1.875 2.497 2.626 2.726 2.925

1.750 2.848 2.978 3.077 3.277 1.750 3.043 3.173 3.272 3.472


3.000 (0.514) (0.424) (0.364) (0.204) 3.000 (0.216) (0.126) (0.066) 0.094 3.000 0.319 0.407 0.465 0.624

2.990 (0.484) (0.394) (0.334) (0.174) 2.990 (0.186) (0.096) (0.036) 0.124 2.990 0.349 0.437 0.495 0.654

2.875 (0.375) (0.285) (0.225) (0.065) 2.875 (0.086) 0.004 0.064 0.224 2.875 0.552 0.640 0.698 0.857

2.750 (0.236) (0.146) (0.086) 0.074 2.750 0.044 0.134 0.194 0.354 2.750 0.785 0.874 0.932 1.090

2.625 (0.097) (0.007) 0.053 0.213 2.625 0.137 0.227 0.287 0.447 2.625 1.019 1.107 1.165 1.324

2.500 0.042 0.132 0.192 0.352 2.500 0.267 0.357 0.417 0.577 2.500 1.253 1.341 1.399 1.557

2.375 0.181 0.271 0.331 0.491 2.375 0.397 0.487 0.547 0.707 2.375 1.486 1.575 1.633 1.791

2.250 0.320 0.410 0.470 0.630 2.250 0.527 0.617 0.677 0.837 2.250 1.679 1.767 1.825 1.983

2.125 0.459 0.549 0.609 0.769 2.125 0.657 0.747 0.807 0.967 2.125 1.913 2.001 2.059 2.217

2.000 0.598 0.688 0.748 0.909 2.000 0.787 0.878 0.938 1.098 2.000 2.106 2.194 2.252 2.410

1.990 0.628 0.718 0.778 0.939 1.990 0.817 0.908 0.968 1.128 1.990 2.136 2.224 2.282 2.440

< 620 620 - 639 640 - 659 680 - 699 700 - 719 720 - 739 740 - 759 ≥ 760

NA 0.500 0.500 0.000 0.000 0.000 0.000 0.000

NA 1.500 1.250 0.500 0.500 0.250 0.250 0.250

NA 3.000 2.750 1.250 1.000 0.500 0.250 0.250

NA 3.000 3.000 1.750 1.250 0.750 0.500 0.500

NA 3.250 3.250 1.500 1.000 0.500 0.250 0.250

NA 3.250 2.750 1.250 1.000 0.500 0.250 0.250

NA 3.250 2.750 1.250 1.000 0.500 0.250 0.250

NA 3.500 2.750 1.500 1.500 1.000 0.750 0.750




620 - 639 640 - 659 660 - 679 680 - 699 700 - 719 720 - 739 740 - 759 760-779 780-799 ≥ 800

1.000 0.950 0.950 0.650 0.300 0.200 0.120 0.110 0.100

1.300 1.300 1.300 1.000 0.700 0.500 0.500 0.500 0.500

≤ 85 0.490 0.440 0.420 0.380 0.220 0.170 0.110 0.110 0.110

85.01 - 90 1.250 1.010 0.890 0.750 0.500 0.390 0.280 0.280 0.280

90.01 - 95 1.530 1.270 1.120 1.000 0.570 0.440 0.350 0.350 0.350

95.01 - 97 1.820 1.600 1.420 1.240 0.760 0.620 0.380 0.380 0.380

≤ 85 0.580 0.510 0.480 0.390 0.360 0.360 0.360 0.360 0.360

85.01 - 90 1.810 1.650 1.510 1.150 0.850 0.680 0.520 0.470 0.470

90.01 - 95 4.090 3.690 3.350 2.550 1.760 1.390 0.950 0.840 0.810

95.01 - 97 4.720 4.260 3.850 2.890 1.980 1.550 1.050 1.050 1.050

≤ 85 1.430 1.340 1.210 0.900 0.670 0.570 0.470 0.470 0.470

85.01 - 90 3.840 3.510 3.310 2.400 1.640 1.340 0.940 0.830 0.790

90.01 - 95 4.340 3.940 3.610 2.740 1.870 1.510 1.070 0.900 0.840

95.01 - 97 4.980 4.510 4.110 3.070 2.100 1.670 1.170 1.110 1.080

LTV CLTV < 720 ≥ 720 Purchase FICO/Loan Size Adjustments - Applied After Cap

≤ 65 80.01 - 95 0.500 0.250 Loan Amount 620-639 640-659 660-679 680-699 700-719 720-739 740-759 760-779 780+

65.01-75 80.01 - 95 0.750 0.500 High Balance -0.500 -0.500 -0.500 -0.650 -0.650 -0.900 -0.900 -0.900 -1.000

75.01-95 90.01 - 95 1.000 0.750

75.01-90 76.01 - 90 1.000 0.750 Refinance FICO/Loan Size Adjustments - Applied After Cap

≤ 95 95.01 - 97 1.500 1.500 620-639 640-659 660-679 680-699 700-719 720-739 740-759 760-779 780+

ALL ALL 0.375 0.375 High Balance -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750

2-4 Units 1.000

Attached Condo > 75 LTV (>15yr Term) 0.750

Manufactured Home 0.500

High Balance Loan Adjustment - Fixed 0.250

High Balance Loan Adjustment - ARM LTV ≤ 75 1.000

High Balance Loan Adjustment - ARM LTV > 75 1.750

Adjustments Applied after Cap

Escrow Waiver (Full or Taxes Only) 0.100

Manufactured Home 0.500

FICO LTV

0.000 ≥ 680 > 80%

Adjustment Caps 1.500 < 680 > 80%

1.500 All ≤ 80%

*Some adjustment details may not appear when pricing through the portal,

however the final price will match the rate sheet.


Max YSP -6.000

2.470

Subordinate

Financing

Excludes

Community

Seconds®

Misc Adjusters

NA 2.290

> 20 Yr Term

NA 0.770

NA 1.970

NA 2.210

NA

0.720

NA 1.060

≤ 20 Yr Term

NA 0.360

NA 0.950

NA 2.020


LTV Adjusters

DTI > 45

NA 0.300

NA 0.620

NA

NA

75.01 - 80 NA


< 620

Lender Paid MI

Adj.

Premium

Adjusters


90.01 - 95 2.250

95.01 - 97 2.250

Cash-Out LTV

≤ 60 NA

60.01 - 75

75.01 - 80 2.750

80.01 - 85 2.750

85.01 - 90 2.250

660 - 679


(does not apply to terms ≤ 15yrs)LTV

≤ 60 0.000

60.01 - 70 1.000

70.01 - 75 2.250

FNMA HomeReady™ 15 Yr Fixed - High Balance FNMA HomeReady™ 10 Yr Fixed - High Balance

FNMA HomeReady™ 5/6 SOFR ARM (2/1/5) - HB FNMA HomeReady™ 7/6 SOFR ARM (5/1/5) - HB FNMA HomeReady™ 10/6 ARM (5/1/5) - HB



FNMA - HomeReady™ High Balance

FNMA HomeReady™ 30 Yr Fixed - High Balance FNMA HomeReady™ 25 Yr Fixed - High Balance FNMA HomeReady™ 20 Yr Fixed - High Balance


5.000 (7.377) (7.340) (7.332) (7.225) 5.000 (7.357) (7.319) (7.312) (7.204)

4.990 (7.360) (7.322) (7.314) (7.207) 4.990 (7.332) (7.295) (7.287) (7.179)

4.875 (7.067) (7.029) (7.022) (6.914) 4.875 (7.067) (7.029) (7.022) (6.914)

4.750 (6.739) (6.702) (6.694) (6.587) 4.750 (6.739) (6.702) (6.694) (6.587)

4.625 (6.481) (6.421) (6.391) (6.260) 4.625 (6.459) (6.399) (6.369) (6.238)

4.500 (6.179) (6.119) (6.089) (5.958) 4.500 (6.168) (6.108) (6.078) (5.947) 4.375 (6.294) (6.234) (6.204) (6.074)

4.375 (5.825) (5.765) (5.734) (5.604) 4.375 (5.825) (5.765) (5.734) (5.604) 4.250 (5.927) (5.867) (5.836) (5.706)

4.250 (5.443) (5.382) (5.352) (5.222) 4.250 (5.443) (5.382) (5.352) (5.222) 4.125 (5.726) (5.620) (5.544) (5.369)

4.125 (5.189) (5.084) (5.008) (4.832) 4.125 (5.152) (5.047) (4.971) (4.795) 4.000 (5.441) (5.335) (5.259) (5.084)

4.000 (4.810) (4.705) (4.629) (4.454) 4.000 (4.773) (4.667) (4.592) (4.416) 3.990 (5.477) (5.372) (5.296) (5.120)

3.990 (4.840) (4.734) (4.658) (4.483) 3.990 (4.797) (4.691) (4.616) (4.440) 3.875 (5.083) (4.977) (4.902) (4.726)

3.875 (4.408) (4.302) (4.226) (4.051) 3.875 (4.376) (4.271) (4.195) (4.019) 3.750 (4.596) (4.490) (4.414) (4.239)

3.750 (3.920) (3.815) (3.739) (3.564) 3.750 (3.910) (3.805) (3.729) (3.553) 3.625 (4.414) (4.278) (4.172) (3.966)

3.625 (3.534) (3.398) (3.292) (3.086) 3.625 (3.489) (3.353) (3.247) (3.041) 3.500 (4.052) (3.917) (3.811) (3.605)

3.500 (3.079) (2.943) (2.837) (2.631) 3.500 (3.031) (2.895) (2.789) (2.584) 3.375 (3.593) (3.457) (3.351) (3.145)

3.375 (2.574) (2.438) (2.332) (2.126) 3.375 (2.539) (2.403) (2.297) (2.091) 3.250 (3.033) (2.897) (2.792) (2.586)

3.250 (2.014) (1.878) (1.773) (1.567) 3.250 (2.002) (1.866) (1.761) (1.555) 3.125 (2.947) (2.811) (2.705) (2.499)

3.125 (1.324) (1.188) (1.082) (0.876) 3.125 (1.324) (1.188) (1.082) (0.876) 3.000 (2.512) (2.377) (2.271) (2.065)

3.000 (0.570) (0.434) (0.328) (0.122) 3.000 (0.555) (0.419) (0.313) (0.107) 2.990 (2.528) (2.392) (2.286) (2.080)

2.990 (0.578) (0.442) (0.336) (0.130) 2.990 (0.523) (0.387) (0.281) (0.075) 2.875 (1.978) (1.842) (1.736) (1.530)

2.875 0.010 0.146 0.252 0.458 2.875 0.051 0.187 0.293 0.498 2.750 (1.308) (1.172) (1.067) (0.861)

2.750 0.679 0.815 0.921 1.127 2.750 0.693 0.829 0.935 1.141 2.625 (0.535) (0.399) (0.293) (0.087)

2.625 1.487 1.623 1.729 1.935 2.625 1.478 1.613 1.719 1.925 2.500 0.254 0.388 0.471 0.654

2.500 2.373 2.509 2.615 2.821 2.500 2.345 2.480 2.586 2.792 2.375 0.901 1.014 1.097 1.280

2.375 3.107 3.221 3.304 3.487 2.375 3.154 3.267 3.350 3.533 2.250 1.679 1.792 1.875 2.058

2.250 3.885 3.998 4.082 4.265 2.250 3.901 4.014 4.097 4.280


4.000 (5.499) (5.398) (5.327) (5.156) 4.000 (6.179) (6.078) (6.007) (5.836)

3.990 (5.461) (5.360) (5.289) (5.118) 3.990 (6.120) (6.019) (5.947) (5.776)

3.875 (5.166) (5.065) (4.994) (4.823) 3.875 (5.924) (5.823) (5.752) (5.581)

3.750 (4.777) (4.676) (4.605) (4.433) 3.750 (5.551) (5.450) (5.379) (5.208)

3.625 (4.362) (4.261) (4.190) (4.019) 3.625 (5.057) (4.955) (4.884) (4.713)

3.500 (4.683) (4.596) (4.539) (4.383) 3.500 (4.983) (4.896) (4.839) (4.682)

3.375 (4.356) (4.270) (4.213) (4.056) 3.375 (4.777) (4.691) (4.634) (4.477)

3.250 (3.978) (3.891) (3.834) (3.677) 3.250 (4.424) (4.337) (4.281) (4.124)

3.125 (3.549) (3.462) (3.405) (3.248) 3.125 (3.938) (3.851) (3.794) (3.637)

3.000 (3.339) (3.224) (3.139) (2.953) 3.000 (3.426) (3.339) (3.282) (3.126)

2.990 (3.291) (3.176) (3.090) (2.905) 2.990 (3.386) (3.299) (3.242) (3.085)

2.875 (2.911) (2.796) (2.711) (2.526) 2.875 (3.087) (2.972) (2.887) (2.702)

2.750 (2.514) (2.399) (2.314) (2.129) 2.750 (2.714) (2.598) (2.513) (2.328)

2.625 (2.025) (1.910) (1.825) (1.640) 2.625 (2.236) (2.121) (2.035) (1.850)

2.500 (1.515) (1.400) (1.315) (1.130) 2.500 (2.127) (1.998) (1.898) (1.699)

2.375 (0.973) (0.853) (0.768) (0.582) 2.375 (1.766) (1.637) (1.537) (1.338)

2.250 (0.501) (0.371) (0.272) (0.072) 2.250 (1.351) (1.222) (1.122) (0.923)

2.125 (0.010) 0.119 0.218 0.418 2.125 (0.869) (0.740) (0.640) (0.441)

2.000 0.549 0.678 0.778 0.977 2.000 (0.384) (0.254) (0.155) 0.044

1.990 0.603 0.732 0.832 1.031 1.990 (0.344) (0.214) (0.115) 0.084

1.875 1.166 1.296 1.395 1.594 1.875 0.074 0.204 0.303 0.503

1.750 1.799 1.928 2.028 2.227 1.750 0.541 0.670 0.770 0.969


3.250 (0.873) (0.783) (0.723) (0.564) 3.375 (0.618) (0.528) (0.469) (0.309) 3.500 (0.662) (0.574) (0.515) (0.357)

3.125 (0.734) (0.644) (0.585) (0.425) 3.250 (0.488) (0.398) (0.339) (0.179) 3.375 (0.430) (0.341) (0.283) (0.125)

3.000 (0.564) (0.474) (0.414) (0.254) 3.125 (0.358) (0.269) (0.209) (0.049) 3.250 (0.197) (0.109) (0.050) 0.108

2.990 (0.534) (0.444) (0.384) (0.224) 3.000 (0.266) (0.176) (0.116) 0.044 3.125 0.036 0.124 0.182 0.341

2.875 (0.425) (0.335) (0.275) (0.115) 2.990 (0.236) (0.146) (0.086) 0.074 3.000 0.269 0.357 0.415 0.574

2.750 (0.286) (0.196) (0.136) 0.024 2.875 (0.136) (0.046) 0.014 0.174 2.990 0.299 0.387 0.445 0.604

2.625 (0.147) (0.057) 0.003 0.163 2.750 (0.006) 0.084 0.144 0.304 2.875 0.502 0.590 0.648 0.807

2.500 (0.008) 0.082 0.142 0.302 2.625 0.087 0.177 0.237 0.397 2.750 0.735 0.824 0.882 1.040

2.375 0.131 0.221 0.281 0.441 2.500 0.217 0.307 0.367 0.527 2.625 0.969 1.057 1.115 1.274

2.250 0.270 0.360 0.420 0.580 2.375 0.347 0.437 0.497 0.657 2.500 1.203 1.291 1.349 1.507

2.125 0.409 0.499 0.559 0.719 2.250 0.477 0.567 0.627 0.787 2.375 1.436 1.525 1.583 1.741

< 620 620 - 639 640 - 659 680 - 699 700 - 719 720 - 739 740 - 759 ≥ 760

NA 0.500 0.500 0.000 0.000 0.000 0.000 0.000

NA 1.500 1.250 0.500 0.500 0.250 0.250 0.250

NA 3.000 2.750 1.250 1.000 0.500 0.250 0.250

NA 3.000 3.000 1.750 1.250 0.750 0.500 0.500

NA 3.250 3.250 1.500 1.000 0.500 0.250 0.250

NA 3.250 2.750 1.250 1.000 0.500 0.250 0.250

NA 3.250 2.750 1.250 1.000 0.500 0.250 0.250

NA 3.500 2.750 1.500 1.500 1.000 0.750 0.750

620 - 639 640 - 659 660 - 679 680 - 699 700 - 719 720 - 739 740 - 759 760-779 780-799 ≥ 800

1.000 0.950 0.950 0.650 0.300 0.200 0.120 0.110 0.100

1.300 1.300 1.300 1.000 0.700 0.500 0.500 0.500 0.500

2.630 2.630 2.630 1.750 1.330 1.190 1.190 1.190 1.190

≤ 85 0.490 0.440 0.420 0.380 0.220 0.170 0.110 0.110 0.110

85.01 - 90 1.250 1.010 0.890 0.750 0.500 0.390 0.280 0.280 0.280

90.01 - 95 1.530 1.270 1.120 1.000 0.570 0.440 0.350 0.350 0.350

95.01 - 97 1.820 1.600 1.420 1.240 0.760 0.620 0.380 0.380 0.380

≤ 85 0.580 0.510 0.480 0.390 0.360 0.360 0.360 0.360 0.360

85.01 - 90 1.810 1.650 1.510 1.150 0.850 0.680 0.520 0.470 0.470

90.01 - 95 4.090 3.690 3.350 2.550 1.760 1.390 0.950 0.840 0.810

95.01 - 97 4.720 4.260 3.850 2.890 1.980 1.550 1.050 1.050 1.050

≤ 85 1.430 1.340 1.210 0.900 0.670 0.570 0.470 0.470 0.470

85.01 - 90 3.840 3.510 3.310 2.400 1.640 1.340 0.940 0.830 0.790

90.01 - 95 4.340 3.940 3.610 2.740 1.870 1.510 1.070 0.900 0.840

95.01 - 97 4.980 4.510 4.110 3.070 2.100 1.670 1.170 1.110 1.080

LTV ≤ 80 80.01 - 85 > 85 Purchase FICO/Loan Size Adjustments - Applied after Cap


3-4 units 1.000 1.500 2.000 <$50k 1.000 1.000 1.000 0.850 0.850 0.600 0.600 0.600 0.500

LTV CLTV < 720 ≥ 720 $50k-$74.9k 0.000 0.000 0.000 -0.150 -0.150 -0.400 -0.400 -0.400 -0.500

≤ 75 ≤ 80 0.500 0.500 $75k-$99.9k 0.000 0.000 0.000 -0.150 -0.150 -0.400 -0.400 -0.400 -0.500

≤ 65 80.01 - 95 0.500 0.500 $100k-$124.9k -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750

65.01-75 80.01 - 95 0.500 0.500 $125k-$149.9k -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750

75.01-95 76.01-95 0.500 0.500 $150k-$199.9k -0.500 -0.500 -0.500 -0.650 -0.650 -0.900 -0.900 -0.900 -1.000

Attached Condo > 75 LTV (>15yr Term) 0.750 $200k-$249.9k -0.500 -0.500 -0.500 -0.650 -0.650 -0.900 -0.900 -0.900 -1.000

Manufacured Home 0.500 $250k-$299.9k -0.700 -0.700 -0.700 -0.850 -0.850 -1.100 -1.100 -1.100 -1.200

$300k-$399.9k -0.700 -0.700 -0.700 -0.850 -0.850 -1.100 -1.100 -1.100 -1.200

Adjustments Applied after Cap $400k-$499.9k -0.700 -0.700 -0.700 -0.850 -0.850 -1.100 -1.100 -1.100 -1.200

Escrow Waiver (Full or Taxes Only) 0.100 $500k-Conf Limit -0.700 -0.700 -0.700 -0.850 -0.850 -1.100 -1.100 -1.100 -1.200


FICO LTV Refinance FICO/Loan Size Adjustments - Applied after Cap

0.000 ≥ 680 > 80% 620-639 640-659 660-679 680-699 700-719 720-739 740-759 760-779 780+

Adjustment Caps 1.500 < 680 > 80% <$50k 1.250 1.250 1.250 1.100 1.100 0.850 0.850 0.850 0.750

1.500 All ≤ 80% $50k-$74.9k 0.250 0.250 0.250 0.100 0.100 -0.150 -0.150 -0.150 -0.250

$75k-$99.9k 0.250 0.250 0.250 0.100 0.100 -0.150 -0.150 -0.150 -0.250

$100k-$124.9k 0.000 0.000 0.000 -0.150 -0.150 -0.400 -0.400 -0.400 -0.500

$125k-$149.9k 0.000 0.000 0.000 -0.150 -0.150 -0.400 -0.400 -0.400 -0.500

*Some adjustment details may not appear when pricing through the portal, $150k-$199.9k -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750

however the final price will match the rate sheet. $200k-$249.9k -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750


$300k-$399.9k -0.450 -0.450 -0.450 -0.600 -0.600 -0.850 -0.850 -0.850 -0.950

Max YSP -6.000 $400k-$499.9k -0.450 -0.450 -0.450 -0.600 -0.600 -0.850 -0.850 -0.850 -0.950

$500k-Conf Limit -0.450 -0.450 -0.450 -0.600 -0.600 -0.850 -0.850 -0.850 -0.950

High Balance -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750

Number Of Units

Subordinate

FinancingExcludes Community

Seconds®

Misc Adjusters

> 20 Yr Term

NA 0.770

NA 1.970

NA 2.210

NA 2.470

1.060

≤ 20 Yr Term

NA 0.360

NA 0.950

NA 2.020

NA 2.290

1.750

LTV Adjusters

DTI > 45

NA 0.300

NA 0.620

NA 0.720

NA

Lender Paid MI

Adj.

Premium

Adjusters



3 - 4 Unit NA

90.01 - 95 2.250

95.01 - 97* 2.250


< 620

75.01 - 80 2.750

80.01 - 85 2.750

85.01 - 90 2.250

660 - 679

All Conforming (does not apply

to Fixed terms ≤ 15yrs)LTV

≤ 60 0.000

60.01 - 70 1.000

70.01 - 75 2.250

FHLMC Home Possible® 15 Yr Fixed FHLMC Home Possible® 10 Yr Fixed

FHLMC Home Possible® 5/6 SOFR ARM (2/1/5) FHLMC Home Possible® 7/6 SOFR ARM (5/1/5) FHLMC Home Possible® 10/6 SOFR ARM (5/1/5)



FHLMC Home Possible® Products

FHLMC Home Possible® 30 Yr Fixed FHLMC Home Possible® 25 Yr Fixed FHLMC Home Possible® 20 Yr Fixed


N/A N/A N/A N/A N/A 3.000 (0.564) (0.474) (0.414) (0.254) 3.000 (0.266) (0.176) (0.116) 0.044

N/A N/A N/A N/A N/A 2.990 (0.534) (0.444) (0.384) (0.224) 2.990 (0.236) (0.146) (0.086) 0.074

N/A N/A N/A N/A N/A 2.875 (0.425) (0.335) (0.275) (0.115) 2.875 (0.136) (0.046) 0.014 0.174

N/A N/A N/A N/A N/A 2.750 (0.286) (0.196) (0.136) 0.024 2.750 (0.006) 0.084 0.144 0.304

N/A N/A N/A N/A N/A 2.625 (0.147) (0.057) 0.003 0.163 2.625 0.087 0.177 0.237 0.397

N/A N/A N/A N/A N/A 2.500 (0.008) 0.082 0.142 0.302 2.500 0.217 0.307 0.367 0.527

N/A N/A N/A N/A N/A 2.375 0.131 0.221 0.281 0.441 2.375 0.347 0.437 0.497 0.657

N/A N/A N/A N/A N/A 2.250 0.270 0.360 0.420 0.580 2.250 0.477 0.567 0.627 0.787

N/A N/A N/A N/A N/A 2.125 0.409 0.499 0.559 0.719 2.125 0.607 0.697 0.757 0.917

N/A N/A N/A N/A N/A 2.000 0.548 0.638 0.698 0.859 2.000 0.737 0.828 0.888 1.048

N/A N/A N/A N/A N/A 1.990 0.578 0.668 0.728 0.889 1.990 0.767 0.858 0.918 1.078


3.000 0.269 0.357 0.415 0.574 3.000 (0.514) (0.424) (0.364) (0.204) 3.000 (0.216) (0.126) (0.066) 0.094

2.990 0.299 0.387 0.445 0.604 2.990 (0.484) (0.394) (0.334) (0.174) 2.990 (0.186) (0.096) (0.036) 0.124

2.875 0.502 0.590 0.648 0.807 2.875 (0.375) (0.285) (0.225) (0.065) 2.875 (0.086) 0.004 0.064 0.224

2.750 0.735 0.824 0.882 1.040 2.750 (0.236) (0.146) (0.086) 0.074 2.750 0.044 0.134 0.194 0.354

2.625 0.969 1.057 1.115 1.274 2.625 (0.097) (0.007) 0.053 0.213 2.625 0.137 0.227 0.287 0.447

2.500 1.203 1.291 1.349 1.507 2.500 0.042 0.132 0.192 0.352 2.500 0.267 0.357 0.417 0.577

2.375 1.436 1.525 1.583 1.741 2.375 0.181 0.271 0.331 0.491 2.375 0.397 0.487 0.547 0.707

2.250 1.629 1.717 1.775 1.933 2.250 0.320 0.410 0.470 0.630 2.250 0.527 0.617 0.677 0.837

2.125 1.863 1.951 2.009 2.167 2.125 0.459 0.549 0.609 0.769 2.125 0.657 0.747 0.807 0.967

2.000 2.056 2.144 2.202 2.360 2.000 0.598 0.688 0.748 0.909 2.000 0.787 0.878 0.938 1.098

1.990 2.086 2.174 2.232 2.390 1.990 0.628 0.718 0.778 0.939 1.990 0.817 0.908 0.968 1.128


3.000 0.319 0.407 0.465 0.624

2.990 0.349 0.437 0.495 0.654

2.875 0.552 0.640 0.698 0.857

2.750 0.785 0.874 0.932 1.090

2.625 1.019 1.107 1.165 1.324

2.500 1.253 1.341 1.399 1.557

2.375 1.486 1.575 1.633 1.791

2.250 1.679 1.767 1.825 1.983

2.125 1.913 2.001 2.059 2.217

2.000 2.106 2.194 2.252 2.410

1.990 2.136 2.224 2.282 2.440

< 620 620 - 639 640 - 659 680 - 699 700 - 719 720 - 739 740 - 759 >= 760

NA 0.500 0.500 0.000 0.000 0.000 0.000 0.000

NA 1.500 1.250 0.500 0.500 0.250 0.250 0.250

NA 3.000 2.750 1.250 1.000 0.500 0.250 0.250

NA 3.000 3.000 1.750 1.250 0.750 0.500 0.500

NA 3.250 3.250 1.500 1.000 0.500 0.250 0.250

NA 3.250 2.750 1.250 1.000 0.500 0.250 0.250

NA 3.250 2.750 1.250 1.000 0.500 0.250 0.250

NA 3.500 2.750 1.500 1.500 1.000 0.750 0.750

NA 1.625 0.625 0.375 0.375 0.375 0.375 0.375

NA 2.625 1.625 1.125 1.000 1.000 0.625 0.625

NA 3.125 2.625 1.750 1.125 1.125 0.875 0.875

620 - 639 640 - 659 660 - 679 680 - 699 700 - 719 720 - 739 740 - 759 760-779 780-799 ≥ 800

1.000 0.950 0.950 0.650 0.300 0.200 0.120 0.110 0.100

1.300 1.300 1.300 1.000 0.700 0.500 0.500 0.500 0.500

1.230 1.230 1.230 0.700 0.490 0.250 0.250 0.250 0.250

2.630 2.630 2.630 1.750 1.330 1.190 1.190 1.190 1.190

≤ 85 0.490 0.440 0.420 0.380 0.220 0.170 0.110 0.110 0.110

85.01 - 90 1.250 1.010 0.890 0.750 0.500 0.390 0.280 0.280 0.280

90.01 - 95 1.530 1.270 1.120 1.000 0.570 0.440 0.350 0.350 0.350

95.01 - 97 1.820 1.600 1.420 1.240 0.760 0.620 0.380 0.380 0.380

≤ 85 1.430 1.340 1.210 0.900 0.670 0.570 0.470 0.470 0.470

85.01 - 90 3.840 3.510 3.310 2.400 1.640 1.340 0.940 0.830 0.790

90.01 - 95 5.080 4.580 4.210 3.180 2.170 1.740 1.240 1.030 0.960

95.01 - 97 6.550 5.980 5.520 4.110 2.770 2.170 1.510 1.330 1.310

LTV CLTV < 720 >= 720 Purchase FICO/Loan Size Adjustments

<=65 80.01 - 90 0.500 0.250 Loan Amount 620-639 640-659 660-679 680-699 700-719 720-739 740-759 760-779 780+

65.01-75 80.01 - 90 0.750 0.500 <$50k 1.000 1.000 1.000 0.850 0.850 0.600 0.600 0.600 0.500

75.01-90 76.01 - 90 1.000 0.750 $50k-$74.9k 0.000 0.000 0.000 -0.150 -0.150 -0.400 -0.400 -0.400 -0.500

ALL ALL 0.375 0.375 $75k-$99.9k 0.000 0.000 0.000 -0.150 -0.150 -0.400 -0.400 -0.400 -0.500

<= 75 2.125 $100k-$124.9k -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750

LTV 75.01 - 80 3.375 $125k-$149.9k -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750

> 80 4.125 $150k-$199.9k -0.500 -0.500 -0.500 -0.650 -0.650 -0.900 -0.900 -0.900 -1.000

LTV ≤ 75 1.000 $200k-$249.9k -0.500 -0.500 -0.500 -0.650 -0.650 -0.900 -0.900 -0.900 -1.000

LTV > 75 1.750 $250k-$299.9k -0.700 -0.700 -0.700 -0.850 -0.850 -1.100 -1.100 -1.100 -1.200

LTV ≤ 75 1.750 $300k-$399.9k -0.700 -0.700 -0.700 -0.850 -0.850 -1.100 -1.100 -1.100 -1.200

LTV > 75 2.500 $400k-$499.9k -0.700 -0.700 -0.700 -0.850 -0.850 -1.100 -1.100 -1.100 -1.200

2-4 Units 1.000 $500k-Conf Limit -0.700 -0.700 -0.700 -0.850 -0.850 -1.100 -1.100 -1.100 -1.200


Attached Condo > 75 LTV 0.750

Escrow Waiver (Full or Taxes Only) 0.100 Refinance FICO/Loan Size Adjustments

Escrow Waiver (Insurance Only) 0.000 620-639 640-659 660-679 680-699 700-719 720-739 740-759 760-779 780+

>90 LTV 0.250 <$50k 1.250 1.250 1.250 1.100 1.100 0.850 0.850 0.850 0.750

Second Home > 85 LTV 0.250 $50k-$74.9k 0.250 0.250 0.250 0.100 0.100 -0.150 -0.150 -0.150 -0.250

$75k-$99.9k 0.250 0.250 0.250 0.100 0.100 -0.150 -0.150 -0.150 -0.250

$100k-$124.9k 0.000 0.000 0.000 -0.150 -0.150 -0.400 -0.400 -0.400 -0.500

$125k-$149.9k 0.000 0.000 0.000 -0.150 -0.150 -0.400 -0.400 -0.400 -0.500

$150k-$199.9k -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750


$250k-$299.9k -0.450 -0.450 -0.450 -0.600 -0.600 -0.850 -0.850 -0.850 -0.950

$300k-$399.9k -0.450 -0.450 -0.450 -0.600 -0.600 -0.850 -0.850 -0.850 -0.950

Max YSP -3.000 $400k-$499.9k -0.450 -0.450 -0.450 -0.600 -0.600 -0.850 -0.850 -0.850 -0.950

Margin 3.000% $500k-Conf Limit -0.450 -0.450 -0.450 -0.600 -0.600 -0.850 -0.850 -0.850 -0.950

High Balance -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750

High Balance

Purch - R/T Refi.

C/O Refi.

Misc Adjusters

NA 2.570

NA 3.310

Subordinate

FinancingExcludes

Community

Seconds®

Non Owner

Occupied

0.620

NA 0.720

NA 1.060

> 20 Yr Term

NA 0.770

NA 1.970

NA 0.700


LTV Adjusters

DTI > 45

NA 0.300

NA

< 620

Lender Paid MI

Adj.

Premium

Adjusters



2nd Home

95.01 - 97 2.250

Cash-Out LTV

<= 60 0.625

60.01 - 75 1.125

75.01 - 80 1.875

80.01 - 85 2.750

85.01 - 90 2.250

90.01 - 95 2.250

All Conforming ARMs (Does not

include DU Refi Plus)LTV

<= 60 0.000

60.01 - 70 1.000

70.01 - 75 2.250

75.01 - 80 2.750

Fannie Mae 10-6 SOFR ARM (5-1-5) Fannie Mae 5-6 SOFR ARM (2-1-5) High Balance Fannie Mae 7-6 SOFR ARM (5-1-5) High Balance

Fannie Mae 10-6 SOFR ARM (5-1-5) High Balance


660 - 679


Fannie Mae - ARM Products

Fannie Mae 5-6 SOFR ARM (2-1-5) Fannie Mae 7-6 SOFR ARM (5-1-5)


N/A N/A N/A N/A N/A 3.000 (0.564) (0.474) (0.414) (0.254) 3.000 (0.266) (0.176) (0.116) 0.044

N/A N/A N/A N/A N/A 2.990 (0.534) (0.444) (0.384) (0.224) 2.990 (0.236) (0.146) (0.086) 0.074

N/A N/A N/A N/A N/A 2.875 (0.425) (0.335) (0.275) (0.115) 2.875 (0.136) (0.046) 0.014 0.174

N/A N/A N/A N/A N/A 2.750 (0.286) (0.196) (0.136) 0.024 2.750 (0.006) 0.084 0.144 0.304

N/A N/A N/A N/A N/A 2.625 (0.147) (0.057) 0.003 0.163 2.625 0.087 0.177 0.237 0.397

N/A N/A N/A N/A N/A 2.500 (0.008) 0.082 0.142 0.302 2.500 0.217 0.307 0.367 0.527

N/A N/A N/A N/A N/A 2.375 0.131 0.221 0.281 0.441 2.375 0.347 0.437 0.497 0.657

N/A N/A N/A N/A N/A 2.250 0.270 0.360 0.420 0.580 2.250 0.477 0.567 0.627 0.787

N/A N/A N/A N/A N/A 2.125 0.409 0.499 0.559 0.719 2.125 0.607 0.697 0.757 0.917

N/A N/A N/A N/A N/A 2.000 0.548 0.638 0.698 0.859 2.000 0.737 0.828 0.888 1.048

N/A N/A N/A N/A N/A 1.990 0.578 0.668 0.728 0.889 1.990 0.767 0.858 0.918 1.078


3.000 0.269 0.357 0.415 0.574 3.000 (0.514) (0.424) (0.364) (0.204) 3.000 (0.216) (0.126) (0.066) 0.094

2.990 0.299 0.387 0.445 0.604 2.990 (0.484) (0.394) (0.334) (0.174) 2.990 (0.186) (0.096) (0.036) 0.124

2.875 0.502 0.590 0.648 0.807 2.875 (0.375) (0.285) (0.225) (0.065) 2.875 (0.086) 0.004 0.064 0.224

2.750 0.735 0.824 0.882 1.040 2.750 (0.236) (0.146) (0.086) 0.074 2.750 0.044 0.134 0.194 0.354

2.625 0.969 1.057 1.115 1.274 2.625 (0.097) (0.007) 0.053 0.213 2.625 0.137 0.227 0.287 0.447

2.500 1.203 1.291 1.349 1.507 2.500 0.042 0.132 0.192 0.352 2.500 0.267 0.357 0.417 0.577

2.375 1.436 1.525 1.583 1.741 2.375 0.181 0.271 0.331 0.491 2.375 0.397 0.487 0.547 0.707

2.250 1.629 1.717 1.775 1.933 2.250 0.320 0.410 0.470 0.630 2.250 0.527 0.617 0.677 0.837

2.125 1.863 1.951 2.009 2.167 2.125 0.459 0.549 0.609 0.769 2.125 0.657 0.747 0.807 0.967

2.000 2.056 2.144 2.202 2.360 2.000 0.598 0.688 0.748 0.909 2.000 0.787 0.878 0.938 1.098

1.990 2.086 2.174 2.232 2.390 1.990 0.628 0.718 0.778 0.939 1.990 0.817 0.908 0.968 1.128


3.000 0.319 0.407 0.465 0.624

2.990 0.349 0.437 0.495 0.654

2.875 0.552 0.640 0.698 0.857

2.750 0.785 0.874 0.932 1.090

2.625 1.019 1.107 1.165 1.324

2.500 1.253 1.341 1.399 1.557

2.375 1.486 1.575 1.633 1.791

2.250 1.679 1.767 1.825 1.983

2.125 1.913 2.001 2.059 2.217

2.000 2.106 2.194 2.252 2.410

1.990 2.136 2.224 2.282 2.440

< 620 620 - 639 640 - 659 680 - 699 700 - 719 720 - 739 740 - 759 >= 760

NA 0.500 0.500 0.000 0.000 0.000 0.000 0.000

NA 1.500 1.250 0.500 0.500 0.250 0.250 0.250

NA 3.000 2.750 1.250 1.000 0.500 0.250 0.250

NA 3.000 3.000 1.750 1.250 0.750 0.500 0.500

NA 3.250 3.250 1.500 1.000 0.500 0.250 0.250

NA 3.250 2.750 1.250 1.000 0.500 0.250 0.250

NA 3.250 2.750 1.250 1.000 0.500 0.250 0.250

NA 1.625 0.625 0.375 0.375 0.375 0.375 0.375

NA 2.625 1.625 1.125 1.000 1.000 0.625 0.625

NA 3.125 2.625 1.750 1.125 1.125 0.875 0.875


620 - 639 640 - 659 660 - 679 680 - 699 700 - 719 720 - 739 740 - 759 760-779 780-799 ≥ 800

1.000 0.950 0.950 0.650 0.300 0.200 0.120 0.110 0.100

1.300 1.300 1.300 1.000 0.700 0.500 0.500 0.500 0.500

1.230 1.230 1.230 0.700 0.490 0.250 0.250 0.250 0.250

2.630 2.630 2.630 1.750 1.330 1.190 1.190 1.190 1.190

≤ 85 0.490 0.440 0.420 0.380 0.220 0.170 0.110 0.110 0.110

85.01 - 90 1.250 1.010 0.890 0.750 0.500 0.390 0.280 0.280 0.280

90.01 - 95 1.530 1.270 1.120 1.000 0.570 0.440 0.350 0.350 0.350

95.01 - 97 1.820 1.600 1.420 1.240 0.760 0.620 0.380 0.380 0.380

≤ 85 1.430 1.340 1.210 0.900 0.670 0.570 0.470 0.470 0.470

85.01 - 90 3.840 3.510 3.310 2.400 1.640 1.340 0.940 0.830 0.790

90.01 - 95 5.080 4.580 4.210 3.180 2.170 1.740 1.240 1.030 0.960

95.01 - 97 6.550 5.980 5.520 4.110 2.770 2.170 1.510 1.330 1.310

LTV <=80 80.01 - 85 > 85 Purchase FICO/Loan Size Adjustments


3-4 units 1.000 1.500 2.000 <$50k 1.000 1.000 1.000 0.850 0.850 0.600 0.600 0.600 0.500

LTV CLTV < 720 >= 720 $50k-$74.9k 0.000 0.000 0.000 -0.150 -0.150 -0.400 -0.400 -0.400 -0.500

<=75 <=80 0.375 0.375 $75k-$99.9k 0.000 0.000 0.000 -0.150 -0.150 -0.400 -0.400 -0.400 -0.500

<=65 80.01 - 95 0.875 0.625 $100k-$124.9k -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750

65.01-75 80.01 - 95 1.125 0.875 $125k-$149.9k -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750

75.01-95 76.01-95 1.375 1.125 $150k-$199.9k -0.500 -0.500 -0.500 -0.650 -0.650 -0.900 -0.900 -0.900 -1.000

<= 75 2.125 $200k-$249.9k -0.500 -0.500 -0.500 -0.650 -0.650 -0.900 -0.900 -0.900 -1.000

LTV 75.01 - 80 3.375 $250k-$299.9k -0.700 -0.700 -0.700 -0.850 -0.850 -1.100 -1.100 -1.100 -1.200

> 80 4.125 $300k-$399.9k -0.700 -0.700 -0.700 -0.850 -0.850 -1.100 -1.100 -1.100 -1.200

Purchase & Rate/Term Refi <=75 LTV 1.000 $400k-$499.9k -0.700 -0.700 -0.700 -0.850 -0.850 -1.100 -1.100 -1.100 -1.200

Purchase & Rate/Term Refi >75 LTV 1.750 $500k-Conf Limit -0.700 -0.700 -0.700 -0.850 -0.850 -1.100 -1.100 -1.100 -1.200

Cash Out <= 75 1.750 High Balance -0.500 -0.500 -0.500 -0.650 -0.650 -0.900 -0.900 -0.900 -1.000

Cash Out > 75 2.500

Attached Condo > 75 LTV (>15yr Term) 0.750 Refinance FICO/Loan Size Adjustments

>90 LTV 0.250 620-639 640-659 660-679 680-699 700-719 720-739 740-759 760-779 780+

Escrow Waiver (Full or Taxes Only) 0.100 <$50k 1.250 1.250 1.250 1.100 1.100 0.850 0.850 0.850 0.750

Escrow Waiver (Insurance Only) 0.000 $50k-$74.9k 0.250 0.250 0.250 0.100 0.100 -0.150 -0.150 -0.150 -0.250

Manufactured Home (High Bal - Not Permitted) 1.000 $75k-$99.9k 0.250 0.250 0.250 0.100 0.100 -0.150 -0.150 -0.150 -0.250

Second Home > 85 LTV 0.250 $100k-$124.9k 0.000 0.000 0.000 -0.150 -0.150 -0.400 -0.400 -0.400 -0.500

$125k-$149.9k 0.000 0.000 0.000 -0.150 -0.150 -0.400 -0.400 -0.400 -0.500

$150k-$199.9k -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750

$200k-$249.9k -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750


$300k-$399.9k -0.450 -0.450 -0.450 -0.600 -0.600 -0.850 -0.850 -0.850 -0.950

$400k-$499.9k -0.450 -0.450 -0.450 -0.600 -0.600 -0.850 -0.850 -0.850 -0.950

Max YSP -3.000 $500k-Conf Limit -0.450 -0.450 -0.450 -0.600 -0.600 -0.850 -0.850 -0.850 -0.950

Margin 3.000% High Balance -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750

Non Owner

Occupied

Super

Conforming

Misc Adjusters

NA 2.570

NA 3.310

Number Of Units

Subordinate

Financing

0.620

NA 0.720

NA 1.060

> 20 Yr Term

NA 0.770

NA 1.970

NA 0.700


LTV Adjusters

DTI > 45

NA 0.300

NA

< 620

Lender Paid MI

Adj.

Premium

Adjusters



2nd Home

Cash-Out LTV

<= 60 0.625

60.01 - 75 1.125

75.01 - 80 1.875

80.01 - 85 NA

80.01 - 85 2.750

85.01 - 90 2.250

90.01 - 95 2.250

All Conforming ARMs (Does not

include LP Open Access)LTV

<= 60 0.000

60.01 - 70 1.000

70.01 - 75 2.250

75.01 - 80 2.750

Freddie Mac 10-6 SOFR ARM (5-1-5) Freddie Mac 5-6 SOFR ARM (2-1-5) Super Conforming Freddie Mac 7-6 SOFR ARM (5-1-5) Super Conforming

Freddie Mac 10-6 SOFR ARM (5-1-5) Super Conforming


660 - 679


Freddie Mac ARM Products

Freddie Mac 5-6 SOFR ARM (2-1-5) Freddie Mac SOFR 7-6 ARM (5-1-5)

Smart Series 30 Year Fixed Smart Series 5/6 SOFR ARM Smart Series 7/6 SOFR ARM Smart Series 10/6 SOFR ARM

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

7.375 (7.416) (7.193) (6.970) (6.747) 7.375 (7.416) (7.193) (6.970) (6.747) 7.375 (7.416) (7.193) (6.970) (6.747) 7.375 (7.416) (7.193) (6.970) (6.747)

7.250 (7.291) (7.073) (6.855) (6.638) 7.250 (7.291) (7.073) (6.855) (6.638) 7.250 (7.291) (7.073) (6.855) (6.638) 7.250 (7.291) (7.073) (6.855) (6.638)

7.125 (7.166) (6.953) (6.741) (6.528) 7.125 (7.166) (6.953) (6.741) (6.528) 7.125 (7.166) (6.953) (6.741) (6.528) 7.125 (7.166) (6.953) (6.741) (6.528)

7.000 (7.041) (6.833) (6.626) (6.419) 7.000 (7.041) (6.833) (6.626) (6.419) 7.000 (7.041) (6.833) (6.626) (6.419) 7.000 (7.041) (6.833) (6.626) (6.419)

6.875 (6.884) (6.682) (6.480) (6.278) 6.875 (6.884) (6.682) (6.480) (6.278) 6.875 (6.884) (6.682) (6.480) (6.278) 6.875 (6.884) (6.682) (6.480) (6.278)

6.750 (6.728) (6.531) (6.334) (6.138) 6.750 (6.728) (6.531) (6.334) (6.138) 6.750 (6.728) (6.531) (6.334) (6.138) 6.750 (6.728) (6.531) (6.334) (6.138)

6.625 (6.572) (6.380) (6.189) (5.997) 6.625 (6.572) (6.380) (6.189) (5.997) 6.625 (6.572) (6.380) (6.189) (5.997) 6.625 (6.572) (6.380) (6.189) (5.997)

6.500 (6.416) (6.229) (6.043) (5.856) 6.500 (6.416) (6.229) (6.043) (5.856) 6.500 (6.416) (6.229) (6.043) (5.856) 6.500 (6.416) (6.229) (6.043) (5.856)

6.375 (6.228) (6.047) (5.866) (5.684) 6.375 (6.228) (6.047) (5.866) (5.684) 6.375 (6.228) (6.047) (5.866) (5.684) 6.375 (6.228) (6.047) (5.866) (5.684)

6.250 (6.041) (5.865) (5.689) (5.513) 6.250 (6.041) (5.865) (5.689) (5.513) 6.250 (6.041) (5.865) (5.689) (5.513) 6.250 (6.041) (5.865) (5.689) (5.513)

6.125 (5.853) (5.682) (5.511) (5.341) 6.125 (5.853) (5.682) (5.511) (5.341) 6.125 (5.853) (5.682) (5.511) (5.341) 6.125 (5.853) (5.682) (5.511) (5.341)

6.000 (5.666) (5.500) (5.334) (5.169) 6.000 (5.666) (5.500) (5.334) (5.169) 6.000 (5.666) (5.500) (5.334) (5.169) 6.000 (5.666) (5.500) (5.334) (5.169)

5.875 (5.416) (5.255) (5.095) (4.934) 5.875 (5.416) (5.255) (5.095) (4.934) 5.875 (5.416) (5.255) (5.095) (4.934) 5.875 (5.416) (5.255) (5.095) (4.934)

5.750 (5.166) (5.011) (4.856) (4.700) 5.750 (5.166) (5.011) (4.856) (4.700) 5.750 (5.166) (5.011) (4.856) (4.700) 5.750 (5.166) (5.011) (4.856) (4.700)

5.625 (4.916) (4.766) (4.616) (4.466) 5.625 (4.916) (4.766) (4.616) (4.466) 5.625 (4.916) (4.766) (4.616) (4.466) 5.625 (4.916) (4.766) (4.616) (4.466)

5.500 (4.667) (4.522) (4.377) (4.232) 5.500 (4.667) (4.522) (4.377) (4.232) 5.500 (4.667) (4.522) (4.377) (4.232) 5.500 (4.667) (4.522) (4.377) (4.232)

5.375 (4.418) (4.278) (4.138) (3.999) 5.375 (4.418) (4.278) (4.138) (3.999) 5.375 (4.418) (4.278) (4.138) (3.999) 5.375 (4.418) (4.278) (4.138) (3.999)

5.250 (4.168) (4.034) (3.900) (3.765) 5.250 (4.168) (4.034) (3.900) (3.765) 5.250 (4.168) (4.034) (3.900) (3.765) 5.250 (4.168) (4.034) (3.900) (3.765)

5.125 (3.919) (3.790) (3.661) (3.532) 5.125 (3.919) (3.790) (3.661) (3.532) 5.125 (3.919) (3.790) (3.661) (3.532) 5.125 (3.919) (3.790) (3.661) (3.532)

5.000 (3.655) (3.531) (3.407) (3.283) 5.000 (3.655) (3.531) (3.407) (3.283) 5.000 (3.655) (3.531) (3.407) (3.283) 5.000 (3.655) (3.531) (3.407) (3.283)

4.875 (3.374) (3.255) (3.137) (3.018) 4.875 (3.374) (3.255) (3.137) (3.018) 4.875 (3.374) (3.255) (3.137) (3.018) 4.875 (3.374) (3.255) (3.137) (3.018)

4.750 (3.093) (2.979) (2.866) (2.752) 4.750 (3.093) (2.979) (2.866) (2.752) 4.750 (3.093) (2.979) (2.866) (2.752) 4.750 (3.093) (2.979) (2.866) (2.752)

4.625 (2.812) (2.703) (2.595) (2.487) 4.625 (2.812) (2.703) (2.595) (2.487) 4.625 (2.812) (2.703) (2.595) (2.487) 4.625 (2.812) (2.703) (2.595) (2.487)

4.500 (2.530) (2.427) (2.324) (2.221) 4.500 (2.530) (2.427) (2.324) (2.221) 4.500 (2.530) (2.427) (2.324) (2.221) 4.500 (2.530) (2.427) (2.324) (2.221)

4.375 (2.249) (2.151) (2.053) (1.955) 4.375 (2.249) (2.151) (2.053) (1.955) 4.375 (2.249) (2.151) (2.053) (1.955) 4.375 (2.249) (2.151) (2.053) (1.955)

4.250 (1.968) (1.875) (1.782) (1.690) 4.250 (1.968) (1.875) (1.782) (1.690) 4.250 (1.968) (1.875) (1.782) (1.690) 4.250 (1.968) (1.875) (1.782) (1.690)

4.125 (1.687) (1.599) (1.512) (1.424) 4.125 (1.687) (1.599) (1.512) (1.424) 4.125 (1.687) (1.599) (1.512) (1.424) 4.125 (1.687) (1.599) (1.512) (1.424)

4.000 (1.405) (1.323) (1.241) (1.158) 4.000 (1.405) (1.323) (1.241) (1.158) 4.000 (1.405) (1.323) (1.241) (1.158) 4.000 (1.405) (1.323) (1.241) (1.158)

3.875 (1.030) (0.948) (0.866) (0.783) 3.875 (1.030) (0.948) (0.866) (0.783) 3.875 (1.030) (0.948) (0.866) (0.783) 3.875 (1.030) (0.948) (0.866) (0.783)

3.750 (0.655) (0.573) (0.491) (0.408) 3.750 (0.655) (0.573) (0.491) (0.408) 3.750 (0.655) (0.573) (0.491) (0.408) 3.750 (0.655) (0.573) (0.491) (0.408)

3.625 (0.280) (0.198) (0.116) (0.033) 3.625 (0.280) (0.198) (0.116) (0.033) 3.625 (0.280) (0.198) (0.116) (0.033) 3.625 (0.280) (0.198) (0.116) (0.033)

3.500 0.095 0.177 0.259 0.342 3.500 0.095 0.177 0.259 0.342 3.500 0.095 0.177 0.259 0.342 3.500 0.095 0.177 0.259 0.342

3.375 0.470 0.552 0.634 0.716 3.375 0.470 0.552 0.634 0.716 3.375 0.470 0.552 0.634 0.716 3.375 0.470 0.552 0.634 0.716

Program Adjustments(1,3)

FICO/LTV Price Adjustments Notes:

Higher of LTV/CLTV <=55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 (1) All adjustments are cumulative.

FICO >=780 -1.500 -1.250 -0.750 -0.250 -0.250 0.000 1.250 1.500 (2) Prepayment penalties apply to Vest only. They are not permitted

FICO 760 - 779 -1.250 -1.000 -0.500 0.000 0.000 0.750 1.500 1.750 in MN, NJ, & NM or in PA on 1-2 units with a loan amount less than $263,975.

FICO 740 - 759 -0.500 -0.500 -0.250 0.000 0.000 0.750 1.750 2.500 Must select no prepay in these states. Base pricing assumes 3 yr.

FICO 720 - 739 -0.500 -0.250 0.000 0.500 0.750 1.000 2.250 2.500 (3) Guideline exceptions may require special pricing, as determined

FICO 700 - 719 -0.250 -0.250 0.000 0.500 0.750 1.750 2.750 3.500 on a case-by-case basis.

FICO 680 - 699 0.250 0.250 0.750 1.250 1.750 2.500 3.750 4.500 (4) Adjustment does not apply to Smart Vest.

FICO 660 - 679 0.750 1.000 1.500 2.000 2.500 3.250 4.500 N/A (5) Adjustment does not apply to Smart Edge or Self.

FICO 640 - 659 1.750 2.000 2.500 3.250 N/A N/A N/A N/A (6) Vest Arms are not allowed in PA on 1-2 units with a loan amount less than $263,975.

FICO 620 - 639 N/A N/A N/A N/A N/A N/A N/A N/A (7) 40 Yr IO is only available for a fixed term on Edge and Self. 40 Yr IO and IO adjustments

are cumulative.

Other Price Adjustments

Higher of LTV/CLTV <=55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 Max Lender Arm Arm Cap

Loan Type Price Fee Margin Index Structure

Interest Only 0.250 0.250 0.250 0.250 0.250 0.250 0.250 0.250 Smart Edge (2.950) $1,295 4.000 SOFR 2/2/6

40 Yr Interest Only(7) 0.250 0.250 0.250 0.250 0.250 0.250 0.250 0.250 Smart Self (2.950) $1,295 4.000 SOFR 2/2/6

Income Documentation Smart Vest (2.650) $1,295 5.000 SOFR 2/2/6

Full Doc -0.800 -0.800 -0.800 -0.800 -0.675 -0.675 -0.675 -0.675

12 Mo Bank Statement -0.300 -0.300 -0.300 -0.300 -0.300 -0.300 -0.300 -0.300

24 Mo Bank Statement -0.800 -0.800 -0.800 -0.800 -0.675 -0.675 -0.675 -0.675

DSCR (<=1.15)(5)

0.875 0.875 0.875 0.875 0.875 0.875 N/A N/A

DSCR (>1.15)(5)

0.875 0.875 0.875 0.875 0.875 0.875 N/A N/A

Occupancy

Owner Occupied 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000

2nd Home(4)

0.250 0.250 0.250 0.250 0.250 0.250 0.250 0.250

NOO(4)

0.250 0.250 0.250 0.250 0.250 0.250 0.250 0.250

Seasoning

Forbearance<12 Mo 0.250 0.250 0.250 0.375 0.375 0.375 0.375 0.375

BK/FC/DIL/SS<48 Mo 0.250 0.250 0.250 0.375 0.625 1.000 1.500 2.500

Purpose

Cash Out Refi 0.250 0.250 0.300 0.350 0.400 0.450 1.000 2.000

Loan Size

LA >=2mm 0.375 0.375 0.375 0.375 0.375 0.375 0.375 0.375

LA <=150K 0.750 0.750 0.750 0.750 0.750 0.750 0.750 0.750

DTI

DTI (>45%)(4) 0.250 0.250 0.250 0.250 0.375 0.375 0.375 0.375

Property Type

2-4 Units 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500

NW Condo/Condotel 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500

Prepayment(2)

2 Year 0.375 0.375 0.375 0.375 0.375 0.375 0.375 0.375

1 Year 1.125 1.125 1.125 1.125 1.125 1.125 1.125 1.125

No Prepay 1.500 1.500 1.500 1.500 1.500 1.500 1.500 1.500

Other

Escrow Waiver 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125

Smart Series powered by Newrez

Pricing Effective: 10/22/2021 08:56 AM

Dream Big Jumbo As of 10/22/2021 8:56 AM

20/25/30 Yr Fixed Rate 15 Yr Fixed Rate


4.625 (1.891) (1.766) (1.641) (1.516) 3.750 (1.111) (0.986) (0.861) (0.736)

4.500 (1.821) (1.696) (1.571) (1.446) 3.625 (1.031) (0.906) (0.781) (0.656)

4.375 (1.718) (1.593) (1.468) (1.343) 3.500 (0.925) (0.800) (0.675) (0.550)

4.250 (1.595) (1.470) (1.345) (1.220) 3.375 (0.778) (0.653) (0.528) (0.403)

4.125 (1.454) (1.329) (1.204) (1.079) 3.250 (0.615) (0.490) (0.365) (0.240)

4.000 (1.289) (1.164) (1.039) (0.914) 3.125 (0.457) (0.332) (0.207) (0.082)

3.875 (1.097) (0.972) (0.847) (0.722) 3.000 (0.205) (0.080) 0.045 0.170

3.750 (0.903) (0.778) (0.653) (0.528) 2.875 0.106 0.231 0.356 0.481

3.625 (0.707) (0.582) (0.457) (0.332) 2.750 0.483 0.608 0.733 0.858

3.500 (0.487) (0.362) (0.237) (0.112) 2.625 0.835 0.960 1.085 1.210

3.375 (0.188) (0.063) 0.062 0.187 2.500 1.238 1.363 1.488 1.613

3.250 0.124 0.249 0.374 0.499

3.125 0.444 0.569 0.694 0.819

3.000 0.858 0.983 1.108 1.233

2.875 1.300 1.425 1.550 1.675

2.750 1.806 1.931 2.056 2.181

2.625 2.506 2.631 2.756 2.881

2.500 3.271 3.396 3.521 3.646

5/6 SOFR ARM 2/1/5 7/6 SOFR ARM 5/1/5 10/6 SOFR ARM 5/1/5


3.500 (0.797) (0.672) (0.547) (0.422) 3.625 (0.456) (0.331) (0.206) (0.081) 3.750 0.008 0.133 0.258 0.383

3.375 (0.784) (0.659) (0.534) (0.409) 3.500 (0.451) (0.326) (0.201) (0.076) 3.625 0.013 0.138 0.263 0.388

3.250 (0.751) (0.626) (0.501) (0.376) 3.375 (0.434) (0.309) (0.184) (0.059) 3.500 0.024 0.149 0.274 0.399

3.125 (0.686) (0.561) (0.436) (0.311) 3.250 (0.418) (0.293) (0.168) (0.043) 3.375 0.038 0.163 0.288 0.413

3.000 (0.634) (0.509) (0.384) (0.259) 3.125 (0.371) (0.246) (0.121) 0.004 3.250 0.075 0.200 0.325 0.450

2.875 (0.454) (0.329) (0.204) (0.079) 3.000 (0.302) (0.177) (0.052) 0.073 3.125 0.131 0.256 0.381 0.506

2.750 (0.258) (0.133) (0.008) 0.117 2.875 (0.085) 0.040 0.165 0.290 3.000 0.204 0.329 0.454 0.579

2.625 (0.021) 0.104 0.229 0.354 2.750 0.138 0.263 0.388 0.513 2.875 0.433 0.558 0.683 0.808

2.500 0.319 0.444 0.569 0.694 2.625 0.401 0.526 0.651 0.776 2.750 0.765 0.890 1.015 1.140

2.375 0.798 0.923 1.048 1.173 2.500 0.832 0.957 1.082 1.207 2.625 1.046 1.171 1.296 1.421

2.250 1.388 1.513 1.638 1.763 2.375 1.407 1.532 1.657 1.782 2.500 1.606 1.731 1.856 1.981

Product Adjustments

LTV Based Adjustments Max Price

<=55 55.01-60 60.01-65 65.01 - 70 70.01 - 75 75.01 - 80 80.01 - 85 85.01 - 89.99 20/25/30 Yr Fixed -1.700

680 - 699 0.000 0.125 0.250 0.500 0.750 1.250 1.500 1.750 15 Yr Fixed -1.700

700 - 719 (0.250) (0.125) 0.000 0.125 0.375 0.625 0.875 1.000 ARMs -1.700

720 - 739 (0.500) (0.375) (0.250) (0.125) 0.000 0.125 0.500 0.750

740 - 759 (0.625) (0.500) (0.375) (0.250) (0.250) (0.125) 0.250 0.500

760-779 (0.750) (0.625) (0.500) (0.375) (0.375) (0.250) 0.000 0.125 Arm Margin 2.750

>=780 (0.750) (0.750) (0.625) (0.500) (0.500) (0.375) (0.125) (0.125)

Purchase (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250)

Cash Out Refinance 0.000 0.000 0.000 0.250 0.500 0.750 NA NA

Non Owner Occupied 0.500 0.500 0.750 1.000 NA NA NA NA

Self Employed 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000

> 80 LTV No MI NA NA NA NA NA NA 1.000 1.375


Pricing is subject to change without notice. NewRezWholesale.com (888) 988-1695

Higher of LTV/CLTV --->

FICO


4.250 (2.668) (2.543) (2.418) (2.293) 4.250 (2.461) (2.336) (2.211) (2.086) 3.875 (2.153) (2.028) (1.903) (1.778)

4.125 (2.463) (2.338) (2.213) (2.088) 4.125 (2.205) (2.080) (1.955) (1.830) 3.750 (1.878) (1.753) (1.628) (1.503)

4.000 (2.257) (2.132) (2.007) (1.882) 4.000 (1.969) (1.844) (1.719) (1.594) 3.625 (1.624) (1.499) (1.374) (1.249)

3.875 (2.041) (1.916) (1.791) (1.666) 3.875 (1.734) (1.609) (1.484) (1.359) 3.500 (1.379) (1.254) (1.129) (1.004)

3.750 (1.825) (1.700) (1.575) (1.450) 3.750 (1.498) (1.373) (1.248) (1.123) 3.375 (1.119) (0.994) (0.869) (0.744)

3.625 (1.610) (1.485) (1.360) (1.235) 3.625 (1.272) (1.147) (1.022) (0.897) 3.250 (0.858) (0.733) (0.608) (0.483)

3.500 (1.414) (1.289) (1.164) (1.039) 3.500 (1.046) (0.921) (0.796) (0.671) 3.125 (0.595) (0.470) (0.345) (0.220)

3.375 (1.123) (0.998) (0.873) (0.748) 3.375 (0.705) (0.580) (0.455) (0.330) 3.000 (0.331) (0.206) (0.081) 0.044

3.250 (0.862) (0.737) (0.612) (0.487) 3.250 (0.365) (0.240) (0.115) 0.010 2.875 (0.078) 0.047 0.172 0.297

3.125 (0.424) (0.299) (0.174) (0.049) 3.125 0.091 0.216 0.341 0.466 2.750 0.165 0.290 0.415 0.540

3.000 (0.153) (0.028) 0.097 0.222 3.000 0.527 0.652 0.777 0.902 2.625 0.424 0.549 0.674 0.799

2.875 0.210 0.335 0.460 0.585 2.875 1.015 1.140 1.265 1.390 2.500 0.859 0.984 1.109 1.234

2.750 0.841 0.966 1.091 1.216 2.750 1.546 1.671 1.796 1.921 2.375 1.418 1.543 1.668 1.793

2.625 1.472 1.597 1.722 1.847 2.625 2.077 2.202 2.327 2.452 2.250 2.048 2.173 2.298 2.423

LTV% --> < =60 60.01-65 65.01-70 75.01-80 State LLPA LLPA State LLPA

>= 800 (0.500) (0.500) (0.500) (0.125) AK (0.150) KY (0.031) NY (0.050)

780 - 799 (0.500) (0.500) (0.500) 0.000 AL (0.150) LA (0.150) OH 0.017

760 - 779 (0.500) (0.375) (0.375) 0.125 AR (0.045) MA 0.056 OK (0.150)

740 - 759 (0.375) (0.250) (0.250) 0.250 AZ 0.130 MD (0.150) OR (0.009)

720 - 739 (0.250) (0.125) 0.250 0.750 CA 0.050 ME 0.002 PA (0.150)

700 - 719 0.000 0.125 0.625 1.500 CO 0.150 MI 0.150 RI 0.021

680 - 699 0.000 0.375 1.250 2.625 CT (0.150) MN (0.032) SC (0.150)

DC 0.009 MO 0.078 SD 0.150

DE (0.150) MS 0.000 TN (0.095)

LTV% --> < =60 60.01-65 65.01-70 75.01-80 FL (0.150) MT 0.002 TX (0.150)

>= 800 (0.375) (0.375) (0.250) n/a GA 0.002 NC 0.004 UT (0.006)

780 - 799 (0.375) (0.375) (0.250) n/a HI (0.150) ND (0.075) VA (0.150)

760 - 779 (0.250) (0.125) 0.000 n/a IA 0.150 NE 0.150 VT (0.002)

740 - 759 0.000 0.125 0.125 n/a ID 0.028 NH 0.003 WA (0.063)

720 - 739 n/a n/a n/a n/a IL 0.083 NJ (0.150) WI 0.150

700 - 719 n/a n/a n/a n/a IN 0.032 NM (0.150) WV (0.051)

680 - 699 n/a n/a n/a n/a KS (0.047) NV 0.025 WY (0.066)

< =60 60.01-65 65.01-70 75.01-80

0.000 0.000 0.000 0.375

0.000 0.250 0.375 n/a

2.000 2.500 n/a n/a

n/a n/a n/a n/a

0.250 0.500 n/a n/a

n/a n/a n/a n/a

2 Not applicable for detached condominiums or site condominiums

0.250


Pricing is subject to change without notice NewRezWholesale.com (888) 988-1695

3-4 Unit n/a

Escrow Waiver - except CA 0.250 0.250 0.250 0.250

Investment n/a

Cashout n/a

2-Unit n/a

Condo2 0.125 15 Yr Fixed -2.075

2nd Home n/a

n/a

n/a

n/a

Feature Adjustments Max Price

LTV% --> 70.01-75 20/30 Yr Fixed -2.075

0.500

1.250

2.375

FICO/LTV Adjustments - Loan Amount > $1.5MM

70.01-75

FICO

0.125

0.250

0.375

0.625

Jumbo Series D Adjustments

FICO/LTV Adjustments - Loan Amount ≤ $1.5MM State Adjustments

70.01-75 State

FICO

(0.250)

(0.125)

0.000

0.125


as of 10/22/2021 9:29 AM

Jumbo Series D

Jumbo D - 30 Yr Fixed Jumbo D - 20 Yr Fixed Jumbo D - 15 Yr Fixed

9:08:11 AM


3.875 (2.568) (2.415) (2.262) (2.109)

3.750 (2.386) (2.238) (2.090) (1.942)

3.625 (2.126) (1.983) (1.840) (1.697)

3.500 (1.799) (1.662) (1.524) (1.387)

3.375 (1.420) (1.288) (1.156) (1.023)

3.250 (1.001) (0.873) (0.746) (0.619)

3.125 (0.553) (0.431) (0.309) (0.187)

3.000 (0.089) 0.028 0.144 0.261

2.875 0.749 0.861 0.972 1.084

2.750 1.971 2.077 2.183 2.290

≤ 50 50.01-55 55.01-60 65.01-70 70.01-75 75.01-80

(0.500) (0.438) (0.375) (0.313) (0.250) (0.188) 0.000

(0.438) (0.375) (0.313) (0.250) (0.188) (0.125) 0.188

(0.375) (0.313) (0.250) (0.188) (0.125) 0.125 0.500

(0.313) (0.250) (0.188) (0.125) 0.000 0.250 0.750

(0.250) (0.188) (0.125) 0.000 0.250 0.500 1.125

(0.188) (0.125) (0.063) 0.125 0.500 0.875 1.625

(0.125) (0.063) 0.000 0.313 NA NA NA

≤ 50 50.01-55 55.01-60 65.01-70 70.01-75 75.01-80

(0.375) (0.313) (0.250) (0.188) (0.125) 0.000 N/A

(0.313) (0.250) (0.188) (0.125) (0.063) 0.125 N/A

(0.250) (0.188) (0.125) (0.063) 0.125 0.375 N/A

(0.188) (0.125) (0.063) 0.000 0.313 0.625 N/A

(0.125) (0.063) 0.000 0.125 0.500 1.000 N/A

(0.063) 0.000 0.063 0.250 0.875 1.500 N/A

N/A N/A N/A N/A N/A N/A N/A

≤ 50 50.01-55 55.01-60 65.01-70 70.01-75 75.01-80

(0.125) (0.125) (0.125) (0.125) (0.125) (0.125)

0.000 0.125 0.188 0.375 0.438 N/A

0.250 0.375 0.750 1.500 2.000 3.000

0.000 0.000 0.063 0.125 0.125 0.125

0.000 0.000 0.125 0.188 0.250 0.375DTI>40 0.188


2nd Home 0.313

2-4 Units 1.000

Condo 0.125

680-699

Other Adjustments

CLTV --> 60.01-65

Purchase (0.125)

≥800

780-799

760-779

740-759

720-739

700-719

Credit Score - Cash Out Maximum Prices

CLTV --> 60.01-65 30 Year Fixed (1.200)

≥800

780-799

760-779

740-759

Non-California Special (0.250)720-739

700-719

680-699


as of 10/22/21

Jumbo Series I

Jumbo I - 30 Yr Fixed

Jumbo Series I Adjustments

Credit Score - Purchase / Rate & Term

Escrow Waiver (All or None Waiver)

Excluding CA, NC, DC, NY0.125

CLTV --> 60.01-65

illinois wholesale rate sheet - newrez

Documents