retail afs/lcl rates effective until 5:00 pm pdt (in an … · 2 days ago · retail afs/lcl rates...
TRANSCRIPT
PageAgency/Agency No MI Pg.2
Agency ARMs Pg.2
Agency TX Home Equity Pg.2
Agency High Balance/Agency No MI High Balance Pg.2
Fannie Mae HomeReady Pg.2
Agency Price Adjustments Pg.3
Agency No MI Adjustments Pg.3
Agency High Balance Adjustments Pg.3
Fannie Mae HomeReady Adjustments Pg.3
Agency LP/Agency LP No MI Pg.5
FHLMC Super Conf/FHLMC Super Conf No MI Pg.5
Agency LP/FHLMC Super Conf Price Adjustments Pg.6
Agency Portfolio/Agency Portfolio No MI Pg.7
Agency Portfolio Price Adjustments Pg.8
Agency Portfolio NO MI Adjustments Pg.8
FHA Pg.9
FHA Streamline Refinance Pg.9
FHA High Balance Pg.9
FHA High Balance Streamline Refinance Pg.9
USDA/Rural Housing Pg.9
VA Pg.9
VA High Balance Pg.9
VA IRRRL/VA IRRRL High Balance Pg.9
FHA/VA/USDA Price Adjustments Pg.9 Doc & Funding Cut-Off DatesDown Payment Protection Pg.10 Last day to fund GOVT loans with 4/1 payment 03/06/20
Ruby Jumbo Pg.11 Last day to fund CONV loans with 4/1 payment 03/10/20
Platinum Jumbo Pg.12 Last day to DISCLOSE Streamlines for March Funding 03/17/20
Gold Jumbo/Gold Jumbo Texas Home Equity Price Pg.13 Last day to fund Streamlines for March Funding 03/31/20
Emerald Jumbo Pg.13 Last day to Draw Docs with April 1st Payment 03/01/20
Platinum Price Adjustments Pg.14
Gold Jumbo/Gold Jumbo Texas Home Equity Price AdjustmentPg.14
Lock Cut-off (Govt & Agency Fixed Programs) 5:00 pm PST
Lock Cut-off (All ARMs & All Jumbo Programs) 3:30 pm PST
Lock Online (available till 5:00 pm PST) http://tpo.prmg.net/
Email Link to Manual Lock Form;
www.eprmg.net/PRMG%20Manual%20Lock%20Request%20Form%20(Editable).pdf
Secondary Fax 951-278-5633
Extensions & Re-Locks [email protected] FeesUnderwriting Fee $990.00 Lock Expiration DatesUnderwriting Fee (FHA Streamlines/VA IRRRLs) $590.00 15 Days 04/21/20
Underwriting Fee (Closed End Second Liens only) $590.00 30 Days 05/06/20
Processing Fee $495.00 45 Days 05/21/20
60 Days 06/05/20
Mortgagee ClauseParamount Residential Mortgage Group, INC. Lock Extension PolicyIts Successors and/or Assigns 1-5 Days 0.125
1265 Corona Pointe Court Ste. 301 6-10 Days 0.250
Corona, California 92879 11-15 Days 0.375
16-20 Days 0.500Approved States 21-25 Days 0.625
Alaska Missouri 26-30 Days 0.750
Alabama Montana Arizona New Hampshire Extended Rate Lock TermsArkansas New Jersey 45 Days .100 in fee
California New Mexico 60 Days .300 in fee
Colorado Nebraska 75 Days .450 in fee
Connecticut Nevada 90 Days .600 in fee
Delaware North Carolina 120 Days 1.000 in fee
District of Columbia North Dakota The above fees are applied to the 30 day price.
Florida Ohio
Georgia Oklahoma
Hawaii OregonIdaho Pennsylvania Market UpdateIndiana Rhode Island 1 Yr Libor 1.050
Illinois South Carolina 1 Yr T-Bill 0.150
Iowa South Dakota 6 Mo Libor 1.209
Kansas Tennessee Prime Rate 3.250
Kentucky Texas 10 Yr Bond 0.650
Louisiana Utah 30 Yr Bond 1.290
Maine VermontMaryland Virginia Average Prime Offer RatesMassachusetts Washington 30/40 Yr Fixed 3.390
Michigan West Virginia 15/20 Yr Fixed 2.910
Minnesota Wisconsin 10 Yr Fixed 3.750
Mississippi 1/1 ARM 2.9303/1 ARM 3.000
PRMG Website 5/1 ARM 3.100
FT360 http://tpo.prmg.net/ 7/1 ARM 3.230
10/1 ARM 3.410
Scenario PricerFor On-line Rate/Price quotes, log on to our Scenario
Pricer at: http://tpo.prmg.net/
Corona, CA Michael Gaxiola (951) 278-0000
Rate Sheet: RTL-2003/AFS-LCL
Lock Desk Info
Applicable to only Govt & Conv-Conf Fixed Loan Programs.
Contact Secondary for fees on all other programs.
RETAIL BRANCH OFFICES
Retail AFS/LCL Rates effective until 5:00 pm PDT (In an occurrence of a Price Change, Notification will be sent)
Table of Contents PRMG NewsProducts
Page 1
7:30AM
30/25 Yr Fixed 20 Yr Fixed 15 Yr FixedAgency/Agency No MI Agency/Agency No MI Agency/Agency No MI Agency/Agency No MI
Rate 15 30 Rate 15 30 Rate 15 30 Rate 15 30
5.000% (2.899) (2.699) 4.750% (2.244) (2.044) 4.250% (1.103) (0.903) 4.750% (1.116) (0.916)
4.990% (2.819) (2.619) 4.625% (2.221) (2.021) 4.125% (0.858) (0.658) 4.625% (1.061) (0.861)
4.875% (2.703) (2.503) 4.500% (2.042) (1.842) 4.000% (1.554) (1.354) 4.500% (0.908) (0.708)
4.750% (2.475) (2.275) 4.375% (1.892) (1.692) 3.875% (1.357) (1.157) 4.490% (0.828) (0.628)
4.625% (2.378) (2.178) 4.250% (1.641) (1.441) 3.750% (1.138) (0.938) 4.375% (0.695) (0.495)
4.500% (2.168) (1.968) 4.125% (1.794) (1.594) 3.625% (0.694) (0.494) 4.250% (0.420) (0.220)
4.375% (1.920) (1.720) 4.000% (1.601) (1.401) 3.500% (0.750) (0.550) 4.125% (0.634) (0.434)
4.250% (1.636) (1.436) 3.875% (1.244) (1.044) 3.375% (0.557) (0.357) 4.000% (0.418) (0.218)
4.125% (1.896) (1.696) 3.750% (0.870) (0.670) 3.250% (0.260) (0.060) 3.875% (0.338) (0.138)
4.000% (1.621) (1.421) 3.625% (0.796) (0.596) 3.125% 0.243 0.443 3.750% 0.216 0.416
3.990% (1.541) (1.341) 3.500% (0.500) (0.300) 3.000% 0.483 0.683 3.625% 0.132 0.332
3.875% (1.308) (1.108) 3.375% (0.177) 0.023 2.875% 0.736 0.936 3.500% 0.420 0.620
3.750% (0.963) (0.763) 3.250% 0.261 0.461 2.750% 1.068 1.268 3.375% 0.781 0.981
3.625% (1.033) (0.833) 3.125% 0.761 0.961 2.625% 1.609 1.809 3.250% 1.218 1.418
3.500% (0.695) (0.495) 3.000% 1.392 1.592 2.500% 2.091 2.291 3.125% 1.777 1.977
3.375% (0.422) (0.222) 2.875% 2.056 2.256 2.375% 2.592 2.792 3.000% 2.448 2.648
3.250% 0.021 0.221 2.750% 2.750 2.950 2.250% 3.061 3.261 2.875% 3.152 3.352
3.125% 0.564 0.764 2.750% 3.892 4.092
3.000% 1.266 1.466
2.875% 2.022 2.222
2.750% 2.728 2.928
10 Yr Fixed 5/1 Libor ARM 7/1 Libor ARM 10/1 Libor ARMAgency/Agency No MI Agency/Agency No MI Agency/Agency No MI Agency/Agency No MI
Rate 15 30 Start Rate 15 30 Start Rate 15 30 Start Rate 15 30
4.000% (1.299) (1.099) 4.375% 10.632 10.882 4.500% #VALUE! #VALUE! 4.625% #VALUE! #VALUE!
3.875% (1.161) (0.961) 4.250% 10.606 10.856 4.375% 10.013 10.263 4.500% #VALUE! #VALUE!
3.750% (0.936) (0.736) 4.125% 11.644 11.894 4.250% 10.051 10.301 4.375% 6.966 7.216
3.625% (0.625) (0.425) 4.000% 2.711 2.961 4.125% 11.643 11.893 4.250% 7.013 7.263
3.500% (0.500) (0.300) 3.875% 3.100 3.350 4.000% 2.506 2.756 4.125% 3.234 3.484
3.375% (0.333) (0.133) 3.750% 3.027 3.277 3.875% 2.949 3.199 4.000% 2.815 3.065
3.250% (0.072) 0.128 3.625% 2.614 2.864 3.750% 3.081 3.331 3.875% 2.950 3.200
3.125% 0.441 0.641 3.500% 2.923 3.173 3.625% 3.221 3.471 3.750% 3.157 3.407
3.000% 0.814 1.014 3.375% 3.251 3.501 3.500% 2.456 2.706 3.625% 2.546 2.796
2.875% 1.027 1.227 3.250% 3.192 3.442 3.375% 2.845 3.095 3.500% 2.597 2.847
2.750% 1.315 1.515 3.125% 3.564 3.814 3.250% 2.859 3.109 3.375% 3.086 3.336
2.625% 1.819 2.019 3.000% 3.855 4.105 3.125% 3.296 3.546 3.250% 3.596 3.846
2.500% 2.236 2.436
Agency/Agency No MI Agency/Agency No MI Agency/Agency No MI
Rate 15 30 Start Rate 15 30 Start Rate 15 30 Rate 15 30
4.500% 1.168 1.368 4.125% 2.999 3.249 4.000% 2.655 2.905
4.375% 1.274 1.474 4.000% 2.711 2.961 3.875% 3.132 3.382
4.250% 0.429 0.629 3.875% 3.138 3.388 3.750% 3.296 3.546
4.125% 0.544 0.744 3.750% 3.234 3.484 3.625% 3.457 3.707
4.000% 0.713 0.913 3.625% 3.344 3.594 3.500% 3.584 3.834
3.875% 0.957 1.157 3.500% 3.484 3.734 3.375% 3.721 3.971
3.750% 1.056 1.256 3.375% 3.617 3.867 3.250% 3.937 4.187
3.625% 1.227 1.427 3.250% 3.710 3.960 3.125% 4.156 4.406
3.500% 1.453 1.653 3.125% 3.811 4.061 3.000% 4.390 4.640
3.375% 1.761 1.961 3.000% 3.980 4.230 2.875% 4.581 4.831
3.250% 2.133 2.333 2.875% 4.125 4.375 2.750% 4.450 4.700
3.125% 2.578 2.778 2.750% 4.093 4.343 2.625% 4.381 4.631
3.000% 2.897 3.097
High BalanceRate 15 30 Rate 15 30 Rate 15 30 Rate 15 30
4.750% (2.475) (2.275) 4.500% (0.536) (0.336) ######## #VALUE! #VALUE! -75.000% 102.700 102.950
4.625% (2.378) (2.178) 4.375% (0.590) (0.390) -62.500% #VALUE! #VALUE! -50.000% 102.700 102.950
4.500% (2.168) (1.968) 4.250% (1.103) (0.903) #VALUE! #VALUE! #VALUE! #VALUE! 102.700 102.950
4.375% (1.920) (1.720) 4.125% (0.858) (0.658) 0.000% 102.700 102.950 -37.500% 102.700 102.950
4.250% (1.636) (1.436) 4.000% (1.554) (1.354) 0.000% 102.700 102.950 0.000% 102.700 102.950
4.125% (1.896) (1.696) 3.875% (1.357) (1.157) 0.000% 102.700 102.950 0.000% 102.700 102.950
4.000% (1.621) (1.421) 3.750% (1.138) (0.938) ######## 105.950 106.200 0.000% 102.700 102.950
3.875% (1.308) (1.108) 3.625% (0.694) (0.494) ######## 105.950 106.200 0.000% 102.700 102.950
3.750% (0.963) (0.763) 3.500% (0.750) (0.550) ######## 105.950 106.200 0.000% 102.700 102.950
3.625% (1.033) (0.833) 3.375% (0.557) (0.357) ######## 105.450 105.700 0.000% 102.700 102.950
3.500% (0.695) (0.495) 3.250% (0.260) (0.060) ######## 104.200 104.450 0.000% 102.700 102.950
3.375% (0.422) (0.222) 3.125% 0.243 0.443 ######## 103.700 103.950 #VALUE! 103.450 103.700
3.250% 0.021 0.221 3.000% 0.483 0.683 -50.000% 103.200 103.450 #VALUE! #VALUE! #VALUE!
30 Yr Fixed 5/1 ARMRate 15 30 Rate 15 30
4.375% (1.859) (1.659) 3.375% 4.127 4.377
4.250% (1.537) (1.337) 3.250% 4.068 4.318
4.125% (1.457) (1.257) 3.125% 4.440 4.690
4.000% (1.565) (1.365) 3.000% 4.826 5.076
3.990% (1.485) (1.285) 2.875% 5.213 5.463
3.875% (1.233) (1.033) 2.750% 5.599 5.849
3.750% (0.857) (0.657) 2.625% 5.973 6.223
3.625% (0.958) (0.758) 2.500% 6.349 6.599
3.500% (0.596) (0.396) 2.375% 6.699 6.949
3.375% (0.198) 0.002 2.250% 7.050 7.300
3.250% 0.234 0.434
3.125% 0.788 0.988
3.000% 1.453 1.653
Rate 15 30
4.875% 3.300 3.550 4.500% 9.190 9.440 4.750% 12.570 12.820 4.750% 12.757 13.007
4.750% 3.580 3.830 4.490% 9.268 9.518 4.625% 12.555 12.805 4.625% 12.742 12.992
4.625% 3.684 3.934 4.375% 9.162 9.412 4.500% 11.790 12.040 4.500% 11.978 12.228
4.500% 4.143 4.393 4.250% 9.310 9.560 4.375% 11.046 11.296 4.375% 11.233 11.483
4.490% 4.237 4.487 4.125% 9.537 9.787 4.250% 10.395 10.645 4.250% 10.582 10.832
4.375% 3.649 3.899 4.000% 9.835 10.085 4.125% 13.370 13.620 4.125% 13.557 13.807
4.250% 3.958 4.208 3.990% 9.924 10.174 4.000% 12.750 13.000 4.000% 12.938 13.188
4.125% 4.435 4.685 #VALUE! #VALUE! #VALUE! 3.875% 11.905 12.155 3.875% 12.092 12.342
4.000% 5.048 5.298 3.750% 11.419 11.669 3.750% 11.606 11.856
3.990% 5.173 5.173 3.625% 13.481 13.731 3.625% 13.668 13.918
3.875% 4.324 4.324 3.500% 13.025 13.275 3.500% 13.212 13.462
3.750% 4.735 4.985 3.375% 12.419 12.669 3.375% 12.606 12.856
Rate Sheet: RTL-2003/AFS-LCL
2.25 Margin, 2/2/5 Caps 2.25 Margin, 2/2/5 Caps
HOMESTYLE30/25 Yr Fixed 30/25 Yr Fixed 5/1 Libor ARM 5/1 Libor ARM
HomeStyle Renovation HomeStyle Renovation HB HomeStyle Renovation HomeStyle Renovation HB
Agency TX Home Eq 30/25 Agency TX Home Eq 15 NoMI 101 Home Advantage NoMI 101 Home Advantage
HOMEREADY
2.25 Margin, 2/2/5 Caps
High Balance 5/1 ARM High Balance 7/1 ARM
2.25 Margin, 2/2/5 Caps 2.25 Margin, 5/2/5 Caps
Monday, April 6, 2020 Retail AFS/LCL Rates effective until 5:00 pm PDT (In an occurrence of a Price Change, Notification will be sent)
FNMA/FHLMCA
GE
NC
YHigh Balance 30
2.25 Margin, 2/2/5 Caps 2.25 Margin, 5/2/5 Caps 2.25 Margin, 5/2/5 Caps
High Balance 15/10
Page 2
7:30AM
Applicable to All Loan Amount Credit Score (Except Terms <=15 Yrs)** Loans $295k-Std Bal Limit (Agency Fxd,Agency No MI Fxd, HomeReady Fxd, TX Home Equity Fxd only) -0.200
** Loans $245k-$294,999 (Agency Fxd,Agency No MI Fxd, HomeReady Fxd, TX Home Equity Fxd only) -0.150 FICO <=60.00% 60.01-70.00% 70.01-75.00% 75.01-80.00% 80.01-85.00% 85.01-90.00% 90.01-95.00% 95.01-97.00%
** Loans $200k-$244,999 (Agency Fxd,Agency No MI Fxd, HomeReady Fxd, TX Home Equity Fxd only) -0.100 >=740 0.000 0.250 0.250 0.500 0.250 0.250 0.250 0.750
** Loans $75k-$99,999 0.250 720-739 0.000 0.250 0.500 0.750 0.500 0.500 0.500 1.000
** Loans $50k - $74,999 0.500 700-719 0.000 0.500 1.000 1.250 1.000 1.000 1.000 1.500
** Loans $30k-$49,999 1.250 680-699 0.000 0.500 1.250 1.750 1.500 1.250 1.250 1.500Property Type 660-679 0.000 1.000 2.250 2.750 2.750 2.250 2.250 2.250
* 2 Units 1.000 640-659 0.500 1.250 2.750 3.000 3.250 2.750 2.750 2.750
* 3-4 Units (Except;Super Conf) 1.000 620-639 0.500 1.500 3.000 3.000 3.250 3.250 3.250 3.500* 3-4 Units & LTV up to 80% (Super Conf only) 1.000
* 3-4 Units & LTV 80.01-85% (Super Conf only) 1.500 Credit Score (In addition to all other adj)
* 3-4 Units & LTV 85.01-limit (Super Conf only) 2.000 ** Fico Scores > = 740 (Agency Fxd,Agency No MI Fxd, HomeReady Fxd, TX Home Equity Fxd only) -0.100
* Attached Condo >75% LTV (applicable only to terms >15 yrs) 0.750 Subordinate Financing
Occupancy LTV/FICO <=75% 75.01-80.00% 80.01-85.00% 85.01-90.00% 90.01-95.00% 95.01-97.00%
* N/O/O up to 75% LTV (Except Super Conf) 2.125 <=65% & FICO <720 0.375 0.375 0.875 0.875 0.875 1.875
* N/O/O up to 75% LTV (Super Conf only) 2.125 <=65% & FICO >=720 0.375 0.375 0.625 0.625 0.625 1.875
* N/O/O LTV 75.01% to 80% (Except Super Conf) 3.375 65.01-75% & FICO <720 0.375 0.375 1.125 1.125 1.125 1.875
* N/O/O LTV 75.01% to 80% (Super Conf only) 3.375 0.375 0.375 0.875 0.875 0.875 1.875
* N/O/O LTV 80.01% to 85% 4.125 N/A 1.375 1.375 1.375 1.375 1.875
* Second Home >85% LTV 0.250 N/A 1.125 1.125 1.125 1.125 1.875
Miscellaneous Cash-out (Except TX Home Equity)
** Purchase Bonus (Agency Std Bal Fixed & Agency Std Bal No MI Fixed, HomeReady Fixed only) -0.100
** Escrow Waiver (CA Only) 0.000 FICO <=60.00% 60.01-70.00% 70.01-75.00% 75.01-80.00% 80.01-85.00%
** Escrow Waiver (all other states) 0.000 >=740 0.375 0.625 0.625 0.875 n/a
* 7-10 Financed Properties (Applicable to N/O/O & 2nd home only) 0.250 720-739 0.375 1.000 1.000 1.125 n/a
* ARMs w/LTV 90.01-95% 0.250 700-719 0.375 1.000 1.000 1.125 n/a
** Down Payment Protection Feature (refer to Down Payment Protection Tab). 680-699 0.375 1.125 1.125 1.750 n/a
* Fico >=740 W/ LTV 95.01-97% (Applicable to Homystlye only) 0.125 660-679 0.625 1.125 1.125 1.875 n/a
640-659 0.625 1.625 1.625 2.625 n/a
620-639 0.625 1.625 1.625 3.125 n/aCash-out and Rate&Term (TX Home Equity only)
FICO <=60.00% 60.01-70.00% 70.01-75.00% 75.01-80.00%
>=740 0.375 0.625 0.625 0.875
* Purchase & Rate/Term Refi 0.250 720-739 0.375 1.000 1.000 1.125
* Cash-out Refinance 1.000 700-719 0.375 1.000 1.000 1.125
* High Balance ARM <= 75% LTV 0.750 680-699 0.375 1.125 1.125 1.750
* High Balance ARM > 75% LTV 1.500 660-679 0.625 1.125 1.125 1.875
** Agency High Bal & Agency High Bal No MI Fixed w/LTV <=80% -0.100 620-659 0.625 1.625 1.625 2.625
Applicable to 30 Yr Term (Agency No MI & Agency High Bal No MI)
FICO 80.01-85% 85.01-90% 90.01-95% FICO 80.01-85% 85.01-90% 90.01-95% 95.01-97% FICO
>=800 0.450 0.900 1.260 >=800 0.340 0.750 1.100 1.720 >=800 0.000
780-799 0.510 0.950 1.420 780-799 0.390 0.820 1.240 1.920 780-799 0.000
760-779 0.550 1.010 1.480 760-779 0.430 0.880 1.380 1.920 760-779 0.000
740-759 0.610 1.180 1.770 740-759 0.490 1.020 1.650 2.700 740-759 0.000
720-739 0.950 1.600 2.250 720-739 0.770 1.450 2.100 2.950 720-739 0.000
700-719 1.050 1.870 2.750 700-719 0.780 1.620 2.470 3.650 700-719 0.000
680-699 1.100 1.980 2.980 680-699 0.790 1.680 2.650 3.650 680-699 0.000
660-679 1.600 3.250 4.950 660-679 1.150 2.880 4.560 6.520 660-679 0.500
640-659 1.730 3.530 5.120 640-659 1.340 3.140 4.730 6.700 640-659 0.500
620-639 2.100 4.150 5.850 620-639 1.630 3.740 5.450 7.050 620-639 1.050
Applicable to <=20 Yr Term (Agency No MI & Agency High Bal No MI)
(Agency No MI & Agency High Bal No MI)
FICO 80.01-85% 85.01-90% 90.01-95% FICO FICO FICO
>=800 0.310 0.670 1.010 >=800 0.250 >=800 0.000 >=800 0.000
780-799 0.310 0.680 1.040 780-799 0.300 780-799 0.000 780-799 0.000
760-779 0.310 0.720 1.050 760-779 0.300 760-779 0.000 760-779 0.000
740-759 0.330 0.860 1.430 740-759 0.300 740-759 0.000 740-759 0.000
720-739 0.890 1.220 1.890 720-739 0.500 720-739 0.000 720-739 0.000
700-719 0.920 1.290 2.710 700-719 0.700 700-719 0.550 700-719 0.000
680-699 0.940 1.290 2.710 680-699 0.700 680-699 0.550 680-699 0.120
660-679 1.100 1.420 3.790 660-679 1.230 660-679 1.050 660-679 0.120
640-659 1.100 1.560 3.990 640-659 1.230 640-659 1.050 640-659 0.130
620-639 1.100 1.850 4.590 620-639 1.300 620-639 1.100 620-639 0.170
FICO
>=800 0.240
780-799 0.240
760-779 0.240
740-759 0.240
720-739 0.350
700-719 0.420
680-699 0.550
660-679 0.690
640-659 0.830
620-639 0.920
Applicable to 30 Yr Term (HomeReady No MI only)
FICO 80.01-85% 85.01-90% 90.01-95% FICO 80.01-85% 85.01-90% 90.01-95% 95.01-97% FICO
>=800 0.450 0.900 1.300 >=800 0.340 0.750 1.100 1.600 >=800 0.000
780-799 0.510 0.950 1.380 780-799 0.390 0.820 1.240 1.750 780-799 0.000
760-779 0.550 1.010 1.460 760-779 0.430 0.880 1.380 1.750 760-779 0.000
740-759 0.610 1.180 1.700 740-759 0.490 1.020 1.650 2.240 740-759 0.000
720-739 0.950 1.600 2.050 720-739 0.770 1.450 2.100 2.350 720-739 0.000
700-719 1.050 1.870 2.700 700-719 0.780 1.620 2.470 2.780 700-719 0.000
680-699 1.100 1.980 2.980 680-699 0.790 1.680 2.650 2.810 680-699 0.000
660-679 1.600 3.250 4.200 660-679 1.150 2.880 4.560 4.680 660-679 0.500
640-659 1.730 3.530 4.400 640-659 1.340 3.140 4.730 4.810 640-659 0.500
620-639 2.100 4.150 5.000 620-639 1.630 3.740 5.450 5.100 620-639 1.050
Applicable to <=20 Yr Term (HomeReady No MI only)
FICO 80.01-85% 85.01-90% 90.01-95% FICO FICO FICO
>=800 0.310 0.670 1.010 >=800 0.000 >=800 0.000 >=800 0.240
780-799 0.310 0.680 1.040 780-799 0.000 780-799 0.000 780-799 0.240
760-779 0.310 0.720 1.050 760-779 0.000 760-779 0.000 760-779 0.240
740-759 0.330 0.860 1.430 740-759 0.000 740-759 0.000 740-759 0.240
720-739 0.890 1.220 1.890 720-739 0.000 720-739 0.000 720-739 0.350
700-719 0.920 1.290 2.710 700-719 0.550 700-719 0.000 700-719 0.420
680-699 0.940 1.290 2.710 680-699 0.550 680-699 0.120 680-699 0.550
660-679 1.100 1.420 3.790 660-679 1.050 660-679 0.120 660-679 0.690
640-659 1.100 1.560 3.990 640-659 1.050 640-659 0.130 640-659 0.830
620-639 1.100 1.850 4.590 620-639 1.100 620-639 0.170 620-639 0.920
LTV >80% & Fico >=680 0.000
All Other LTV & Fico 1.500
** These HomeReady LLPA's are NOT subject to the above LLPA Caps
All Fixed Rates 105.000
All ARM Rates 103.750
Rate Sheet: RTL-2003/AFS-LCL
4.850
5.090
HomeReady LLPA Caps
Maximum Rebate/Price Cap
1.790
2.530
2.530
2.890
2.890
4.650
95.01-97%
1.420
1.790
Applicable to R&T Refi's Applicable to One Borrower Applicable to DTI >45%LTV (%) (HomeReady No MI only) (HomeReady No MI only) (HomeReady No MI only)
2.550
3.200
3.210
5.050
5.250
5.550
95.01-97%
1.750
1.900
1.950
2.490
Applicable to Lender Paid HomeReady No MI Programs (In addition to all other LLPAs)
Applicable to 25 Yr Term (HomeReady No MI only) Applicable to Loan Size >$510,400LTV (%) LTV (%) (HomeReady No MI only)
7.050
Applicable to DTI >45%(Agency No MI & Agency High Bal No MI)
2.640
2.960
3.620
3.640
6.490
6.740
95.01-97%
1.550
1.830
1.840
Applicable to Second Homes Applicable to R&T Refi's Applicable to One BorrowerLTV (%) (Agency No MI & Agency High Bal No MI) (Agency No MI & Agency High Bal No MI)
3.100
3.900
3.960
6.900
7.090
7.450
95.01-97%
1.880
2.050
2.050
2.850
Applicable to Agency High Bal
(In addition to all other adj)
Applicable to Lender Paid Agency No MI Programs (In addition to all other LLPAs)
Applicable to 25 Yr Term (Agency No MI) Applicable to Loan Size >$510,400LTV (%) LTV (%) (Agency No MI & Agency High Bal No MI)
65.01-75% & FICO>=720
75.01-95% & FICO <720
75.01-95% & FICO >=720
LTV (%)
LTV (%)
Base Pricing Assumes Borrower Paid Compensation
Monday, April 6, 2020 Retail AFS/LCL Rates effective until 5:00 pm PDT (In an occurrence of a Price Change, Notification will be sent)
AGENCY PRICE ADJUSTMENTS
AG
EN
CY
Agency, Agency No MI, Agency TX Home Equity, Agency High Balance
Agency No MI High Balance, Fannie Mae HomeReady, FHLMC HomeOne
Applicable to All
LTV (%)
CLTV (%)
125CORONA
7:30AM
30/25 Yr Fixed 20 Yr Fixed 15 Yr Fixed 10 Yr FixedAgency LP/Agency LP No MI Agency LP/Agency LP No MI Agency LP/Agency LP No MI Agency LP/Agency LP No MI
Rate 15 30 Rate 15 30 Rate 15 30 Rate 15 30
4.500% (1.623) (1.423) 4.750% (2.244) (2.044) 4.500% 21.489 21.689 4.500% 21.395 21.595
4.375% (1.412) (1.212) 4.625% (2.082) (1.882) 4.375% 21.640 21.840 4.375% 21.549 21.749
4.250% (1.091) (0.891) 4.500% (2.042) (1.842) 4.250% (0.987) (0.787) 4.250% (0.827) (0.627)
4.125% (1.498) (1.298) 4.375% (1.892) (1.692) 4.125% (0.742) (0.542) 4.125% (0.617) (0.417)
4.000% (1.312) (1.112) 4.250% (1.641) (1.441) 4.000% (1.437) (1.237) 4.000% (1.183) (0.983)
3.875% (1.012) (0.812) 4.125% (1.794) (1.594) 3.875% (1.241) (1.041) 3.875% (1.045) (0.845)
3.750% (0.577) (0.377) 4.000% (1.601) (1.401) 3.750% (1.022) (0.822) 3.750% (0.820) (0.620)
3.625% (0.788) (0.588) 3.875% (1.244) (1.044) 3.625% (0.577) (0.377) 3.625% (0.509) (0.309)
3.500% (0.525) (0.325) 3.750% (0.870) (0.670) 3.500% (0.634) (0.434) 3.500% (0.384) (0.184)
3.375% (0.148) 0.052 3.625% (0.692) (0.492) 3.375% (0.441) (0.241) 3.375% (0.217) (0.017)
3.250% 0.335 0.535 3.500% (0.477) (0.277) 3.250% (0.143) 0.057 3.250% 0.044 0.244
3.125% 1.411 1.611 3.375% (0.177) 0.023 3.125% 0.359 0.559 3.125% 0.558 0.758
3.000% 2.131 2.331 3.250% 0.304 0.504 3.000% 0.599 0.799 3.000% 0.930 1.130
5/1 Libor ARM 7/1 Libor ARM 10/1 Libor ARMAgency LP/Agency LP No MI Agency LP/Agency LP No MI Agency LP/Agency LP No MI
Start Rate 15 30 Start Rate 15 30 Start Rate 15 30 Rate 15 30
4.750% #VALUE! #VALUE! 4.750% #VALUE! #VALUE! 4.875% #VALUE! #VALUE! 4.375% 1.623 1.823
4.625% #VALUE! #VALUE! 4.625% #VALUE! #VALUE! 4.750% #VALUE! #VALUE! 4.250% 1.958 2.158
4.500% #VALUE! #VALUE! 4.500% #VALUE! #VALUE! 4.625% #VALUE! #VALUE! 4.125% 1.663 1.863
4.375% #VALUE! #VALUE! 4.375% #VALUE! #VALUE! 4.500% #VALUE! #VALUE! 4.000% 1.867 2.067
4.250% #VALUE! #VALUE! 4.250% #VALUE! #VALUE! 4.375% #VALUE! #VALUE! 3.875% 1.947 2.147
4.125% #VALUE! #VALUE! 4.125% #VALUE! #VALUE! 4.250% #VALUE! #VALUE! 3.750% 2.654 2.854
4.000% 2.707 2.957 4.000% 2.523 2.773 4.125% #VALUE! #VALUE! 3.625% 2.081 2.281
3.875% 3.096 3.346 3.875% 2.966 3.216 4.000% 2.832 3.082 3.500% 2.231 2.431
3.750% 3.156 3.406 3.750% 3.097 3.347 3.875% 2.967 3.217 3.375% 2.530 2.730
3.625% 3.234 3.484 3.625% 3.238 3.488 3.750% 3.173 3.423 3.250% 3.002 3.202
3.500% 3.355 3.605 3.500% 3.361 3.611 3.625% 3.375 3.625 3.125% 3.723 3.923
3.375% 3.485 3.735 3.375% 3.498 3.748 3.500% 3.520 3.770 3.000% 4.422 4.622
2.875% #VALUE! #VALUE!
Rate 15 30 Rate 15 30 Start Rate 15 30 Start Rate 15 30
4.500% (0.908) (0.708) 4.500% 22.241 22.441 4.375% #VALUE! #VALUE! 4.500% 101.721 101.971
4.490% (0.828) (0.628) 4.375% 22.393 22.593 4.250% #VALUE! #VALUE! 4.375% 101.721 101.971
4.375% (0.695) (0.495) 4.250% 1.654 1.854 4.125% #VALUE! #VALUE! 4.250% 101.721 101.971
4.250% (0.420) (0.220) 4.125% 1.872 2.072 4.000% #VALUE! #VALUE! 4.125% 101.721 101.971
4.125% (0.634) (0.434) 4.000% 0.438 0.638 3.875% #VALUE! #VALUE! 4.000% 101.721 101.971
4.000% (0.418) (0.218) 3.875% 0.553 0.753 3.750% #VALUE! #VALUE! 3.875% 101.721 101.971
3.875% (0.338) (0.138) 3.750% 0.722 0.922 3.625% #VALUE! #VALUE! 3.750% 101.721 101.971
3.750% 0.216 0.416 3.625% 0.966 1.166 3.500% #VALUE! #VALUE! 3.625% 101.721 101.971
3.625% 0.132 0.332 3.500% 1.065 1.265 3.375% #VALUE! #VALUE! 3.500% 101.721 101.971
3.500% 0.420 0.620 3.375% 1.236 1.436 3.250% #VALUE! #VALUE! 3.375% 101.721 101.971
3.375% 0.781 0.981 3.250% 1.462 1.662 3.125% #VALUE! #VALUE! 3.250% 101.721 101.971
3.250% 1.218 1.418 3.125% 1.770 1.970 3.000% #VALUE! #VALUE!
3.125% 1.777 1.977 3.000% 2.142 2.342
Rate 15 30
4.625% (2.345) (2.145)
4.500% (2.130) (1.930)
4.375% (1.859) (1.659)
4.250% (1.537) (1.337)
4.125% (1.457) (1.257)
4.000% (1.565) (1.365)
3.990% (1.485) (1.285)
3.875% (1.233) (1.033)
3.750% (0.857) (0.657)
3.625% (0.958) (0.758)
3.500% (0.596) (0.396)
3.375% (0.198) 0.002
3.250% 0.234 0.434
Rate Sheet: RTL-2003/AFS-LCL
Home Possible No MI 30
2.25 Margin, 2/2/5 Caps 2.25 Margin, 5/2/5 Caps
FHLMC HOMEPOSSIBLEHome Possible 30
FHLMC Super Conf 30 FHLMC Super Conf 15 FHLMC Super Conf 5/1 ARM FHLMC Super Conf 7/1 ARMFHLMC Super Conf No MI 30 FHLMC Super Conf No MI 15 FHLMC Super Conf No MI 5/1 ARM FHLMC Super Conf No MI 7/1 ARM
Monday, April 6, 2020 Retail AFS/LCL Rates effective until 5:00 pm PDT (In an occurrence of a Price Change, Notification will be sent)
FHLMC
AG
EN
CY
FHLMC Super Conf 20FHLMC Super Conf No MI 20
2.25 Margin, 2/2/5 Caps 2.25 Margin, 5/2/5 Caps 2.25 Margin, 5/2/5 Caps
Page 4
7:30AM
Applicable to All Loan Amount Credit Score (Except Terms <=15 Yrs)** Loans $295k-Std Bal Limit (Agency LP Fixed,Agency LP No MI,HomePossible Fixed only) -0.200
** Loans $245k-$294,999 (Agency LP Fixed,Agency LP No MI,HomePossible Fixed only) -0.150 FICO <=60.00% 60.01-70.00% 70.01-75.00% 75.01-80.00% 80.01-85.00% 85.01-90.00% 90.01-95.00% >95%
** Loans $200k-$244,999 (Agency LP Fixed,Agency LP No MI,HomePossible Fixed only) -0.100 >=740 0.000 0.250 0.250 0.500 0.250 0.250 0.250 0.750
** Loans $75k-$99,999 0.250 720-739 0.000 0.250 0.500 0.750 0.500 0.500 0.500 1.000
** Loans $50k - $74,999 0.500 700-719 0.000 0.500 1.000 1.250 1.000 1.000 1.000 1.500
** Loans $30k-$49,999 1.250 680-699 0.000 0.500 1.250 1.750 1.500 1.250 1.250 1.500Property Type 660-679 0.000 1.000 2.250 2.750 2.750 2.250 2.250 2.250
* 2 Units 1.000 640-659 0.500 1.250 2.750 3.000 3.250 2.750 2.750 2.750
* 3-4 Units LTV <= 80% 1.000 620-639 0.500 1.500 3.000 3.000 3.250 3.250 3.250 3.500
* 3-4 Units LTV 80.01%-85% 1.500 Credit Score * 3-4 Units LTV >85.01% 2.000 ** Fico Scores > = 740 (Agency LP Fixed & Agency LP No MI Fixed only) -0.100
* Attached Condo >75% LTV (applicable only to terms >15 yrs) 0.750
Occupancy
* N/O/O up to 75% LTV (Except Super Conf) 2.125 LTV/FICO <=75% 75.01-80.00% 80.01-85.00% 85.01-90.00% 90.01-95.00% 95.01-97.00%
* N/O/O up to 75% LTV (Super Conf only) 2.125<=65% & FICO <720 0.375 0.375 0.875 0.875 0.875 1.875* N/O/O LTV 75.01% to 80% (Except Super Conf) 3.375<=65% & FICO >=720 0.375 0.375 0.625 0.625 0.625 1.875
* N/O/O LTV 75.01% to 80% (Super Conf only) 3.37565.01-75% & FICO <720 0.375 0.375 1.125 1.125 1.125 1.875
* N/O/O LTV 80.01% to 85% 4.12565.01-75% & FICO>=720 0.375 0.375 0.875 0.875 0.875 1.875
* Second Home w/LTV >85% 0.25075.01-95% & FICO <720 N/A 1.375 1.375 1.375 1.375 1.875
Miscellaneous 75.01-95% & FICO >=720 N/A 1.125 1.125 1.125 1.125 1.875
** Purchase Bonus (Agency LP Fixed,Agency LP No MI,HomePossible Fixed only) -0.100***All Home Possible (above do not apply) 0.500 0.500 0.500 0.500 0.500 0.500
** Escrow Waiver 0.000
** 7-10 Financed Properties (Applicable to N/O/O & 2nd home only) 0.250
** ARM's >90% LTV (except FHLMC Super Conf) 0.250
** Down Payment Protection Feature (refer to Down Payment Protection Tab). FICO <=60.00% 60.01-70.00% 70.01-75.00% 75.01-80.00%
>=740 0.375 0.625 0.625 0.875
* Purchase & Rate/Term Refi 0.250 720-739 0.375 1.000 1.000 1.125
* Cash-out Refinance 1.000 700-719 0.375 1.000 1.000 1.125
* High Balance ARM Purch, R/T, Cash-out <=75% LTV 0.750 680-699 0.375 1.125 1.125 1.750* High Balance ARM Purch, R/T, Cash-out >75%-90% LTV 1.500 660-679 0.625 1.125 1.125 1.875
* High Balance ARM Purch, R/T >90% LTV 1.750 640-659 1.500 2.250 2.250 3.250
* Fico Scores 680-739 0.125 620-639 1.500 2.250 2.250 3.750
* Fico Scores 620-679 0.250** FHLMC Super Conf Fixed w/LTV <= 80% -0.100
HomePossible LLPA Caps
LTV >80% & Fico >=680 0.000
All Other LTV & Fico 1.500
** These HomePossible LLPA's are NOT subject to the above LLPA Caps
Applicable to 30 Yr Term (Agency LP No MI & FHLMC Sup Conf No MI)
FICO 80.01-85% 85.01-90% 90.01-95% FICO 80.01-85% 85.01-90% 90.01-95% 95.01-97% FICO
>=800 0.450 0.900 1.260 >=800 0.340 0.750 1.100 1.720 >=800 0.000
780-799 0.510 0.950 1.420 780-799 0.390 0.820 1.240 1.920 780-799 0.000
760-779 0.550 1.010 1.480 760-779 0.430 0.880 1.380 1.920 760-779 0.000
740-759 0.610 1.180 1.770 740-759 0.490 1.020 1.650 2.700 740-759 0.000
720-739 0.950 1.600 2.250 720-739 0.770 1.450 2.100 2.950 720-739 0.000
700-719 1.050 1.870 2.750 700-719 0.780 1.620 2.470 3.650 700-719 0.000
680-699 1.100 1.980 2.980 680-699 0.790 1.680 2.650 3.650 680-699 0.000
660-679 1.600 3.250 4.950 660-679 1.150 2.880 4.560 6.520 660-679 0.500
640-659 1.730 3.530 5.120 640-659 1.340 3.140 4.730 6.700 640-659 0.500
620-639 2.100 4.150 5.850 620-639 1.630 3.740 5.450 7.050 620-639 1.050Applicable to <=20 Yr Term (Agency LP No MI & FHLMC Sup Conf No MI)
FICO 80.01-85% 85.01-90% 90.01-95% FICO FICO FICO
>=800 0.310 0.670 1.010 >=800 0.250 >=800 0.000 >=800 0.000
780-799 0.310 0.680 1.040 780-799 0.300 780-799 0.000 780-799 0.000
760-779 0.310 0.720 1.050 760-779 0.300 760-779 0.000 760-779 0.000
740-759 0.330 0.860 1.430 740-759 0.300 740-759 0.000 740-759 0.000
720-739 0.890 1.220 1.890 720-739 0.500 720-739 0.000 720-739 0.000
700-719 0.920 1.290 2.710 700-719 0.700 700-719 0.550 700-719 0.000
680-699 0.940 1.290 2.710 680-699 0.700 680-699 0.550 680-699 0.120
660-679 1.100 1.420 3.790 660-679 1.230 660-679 1.050 660-679 0.120
640-659 1.100 1.560 3.990 640-659 1.230 640-659 1.050 640-659 0.130
620-639 1.100 1.850 4.590 620-639 1.300 620-639 1.100 620-639 0.170
FICO
>=800 0.240
780-799 0.240
760-779 0.240
740-759 0.240
720-739 0.350
700-719 0.420
680-699 0.550
660-679 0.690
640-659 0.830
620-639 0.920
Applicable to 30 Yr Term (HomePossible No MI only)
FICO 80.01-85% 85.01-90% 90.01-95% FICO FICO
>=800 0.450 0.900 1.300 >=800 0.000 >=800 0.000
780-799 0.510 0.950 1.380 780-799 0.000 780-799 0.000
760-779 0.550 1.010 1.460 760-779 0.000 760-779 0.000
740-759 0.610 1.180 1.700 740-759 0.000 740-759 0.000
720-739 0.950 1.600 2.050 720-739 0.000 720-739 0.000
700-719 1.050 1.870 2.700 700-719 0.000 700-719 0.550
680-699 1.100 1.980 2.980 680-699 0.000 680-699 0.550
660-679 1.600 3.250 4.200 660-679 0.500 660-679 1.050
640-659 1.730 3.530 4.400 640-659 0.500 640-659 1.050
620-639 2.100 4.150 5.000 620-639 1.050 620-639 1.100
FICO FICO
>=800 0.000 >=800 0.240
780-799 0.000 780-799 0.240
760-779 0.000 760-779 0.240
740-759 0.000 740-759 0.240
720-739 0.000 720-739 0.350
700-719 0.000 700-719 0.420
680-699 0.120 680-699 0.550
660-679 0.120 660-679 0.690
640-659 0.130 640-659 0.830
620-639 0.170 620-639 0.920
All Fixed Rates 105.000All ARM Rates 103.750
Rate Sheet: RTL-2003/AFS-LCL
(HomePossible No MI only) (HomePossible No MI only)
Maximum Rebate/Price Cap
3.200
3.210
5.050
5.250
5.550
Applicable to One Borrower Applicable to DTI >45%
95.01-97%
1.750
1.900
1.950
2.490
2.550
**Applicable to Lender Paid HomePossible No MI Programs (In addition to all other LLPAs)Applicable to Loan Size >$510,400 Applicable to R&T Refi's
LTV (%) (HomePossible No MI only) (HomePossible No MI only)
3.640
6.490
6.740
7.050Applicable to DTI >45%(Agency LP No MI & FHLMC Sup Conf No MI)
1.550
1.830
1.840
2.640
2.960
3.620
Applicable to One BorrowerLTV (%) (Agency LP No MI & FHLMC Sup Conf No MI) (Agency LP No MI & FHLMC Sup Conf No MI) (Agency LP No MI & FHLMC Sup Conf No MI)
95.01-97%
3.960
6.900
7.090
7.450
Applicable to Second Homes Applicable to R&T Refi's
1.880
2.050
2.050
2.850
3.100
3.900
Applicable to 25 Yr Term (Agency LP No MI) Applicable to Loan Size >$510,400LTV (%) LTV (%) (Agency LP No MI & FHLMC Sup Conf No MI)
95.01-97%
CLTV (%)
***Not applicable when using Affordable Second meeting Section 4204.2 reqmts.
Cash-outLTV (%)
Applicable to FHLMC Super Conf (in add to all other adj)
Applicable to Lender Paid Agency LP No MI & FHLMC Super Conforming No MI Programs (In addition to all other LLPAs)
Monday, April 6, 2020 Retail AFS/LCL Rates effective until 5:00 pm PDT (In an occurrence of a Price Change, Notification will be sent)
AGENCY LP PRICE ADJUSTMENTS
AG
EN
CY
Agency LP, Agency LP No MI,FHLMC Super Conf, FHLMC Super Conf No MI, FHLMC HomeOne Home Possible, Home Possible No MI, Home Possible Advantage, Home Possible Advantage No MI
Applicable to All
LTV (%)
Subordinate Financing
125CORONA
7:30AM
Rate 15 30 Rate 15 30 Rate 15 30 Rate 15 30
4.750% (2.225) (2.025) 4.750% (1.994) (1.794) 3.750% (0.888) (0.638) 4.125% (0.483) (0.283)
4.625% (2.128) (1.928) 4.625% (1.971) (1.771) 3.625% (0.444) (0.194) 4.000% (1.049) (0.849)
4.500% (1.918) (1.718) 4.500% (1.792) (1.592) 3.500% (0.500) (0.250) 3.875% (0.911) (0.711)
4.375% (1.670) (1.470) 4.375% (1.642) (1.442) 3.375% (0.307) (0.057) 3.750% (0.686) (0.486)
4.250% (1.386) (1.186) 4.250% (1.391) (1.191) 3.250% (0.010) 0.240 3.625% (0.375) (0.175)
4.125% (1.646) (1.446) 4.125% (1.544) (1.344) 3.125% 0.493 0.743 3.500% (0.250) (0.050)
4.000% (1.371) (1.171) 4.000% (1.351) (1.151) 3.000% 0.733 0.983 3.375% (0.083) 0.117
3.990% (1.291) (1.091) 3.875% (0.994) (0.794) 2.875% 0.986 1.236 3.250% 0.178 0.378
3.875% (1.058) (0.858) 3.750% (0.620) (0.420) 2.750% 1.318 1.568 3.125% 0.691 0.891
3.750% (0.713) (0.513) 3.625% (0.546) (0.346) 2.625% 1.859 2.109 3.000% 1.064 1.264
3.625% (0.783) (0.583) 3.500% (0.250) (0.050) 2.500% 2.341 2.591 2.875% 1.277 1.477
3.500% (0.445) (0.245) 3.375% 0.073 0.273 2.375% 2.842 3.092 2.750% 1.565 1.765
3.375% (0.172) 0.028 3.250% 0.511 0.711 2.250% 3.311 3.561 2.625% 2.069 2.269
3.250% 0.271 0.471
3.125% 0.814 1.014
3.000% 1.516 1.716
2.875% 2.272 2.472
2.750% 2.978 3.178
Start Rate 15 30 Start Rate 15 30 Rate 15 30 Rate 15 30
4.750% #VALUE! #VALUE! 4.750% #VALUE! #VALUE! 4.750% (0.866) (0.666) 4.250% 2.196 2.196
4.625% #VALUE! #VALUE! 4.625% #VALUE! #VALUE! 4.625% (0.811) (0.611) 4.125% 1.902 1.902
4.500% #VALUE! #VALUE! 4.500% #VALUE! #VALUE! 4.500% (0.658) (0.458) 4.000% 2.105 2.105
4.375% 10.882 11.132 4.375% 10.263 10.513 4.375% (0.445) (0.245) 3.875% 2.185 2.185
4.250% 10.856 11.106 4.250% 10.301 10.551 4.250% (0.170) 0.030 3.750% 2.706 2.706
4.125% 11.894 12.144 4.125% 11.893 12.143 4.125% (0.384) (0.184) 3.625% 2.319 2.319
4.000% 2.961 3.211 4.000% 2.756 3.006 4.000% (0.168) 0.032 3.500% 2.469 2.469
3.875% 3.350 3.600 3.875% 3.199 3.449 3.875% (0.088) 0.112 3.375% 2.768 2.768
3.750% 3.277 3.527 3.750% 3.331 3.581 3.750% 0.466 0.666 3.250% 3.241 3.241
3.625% 2.864 3.114 3.625% 3.471 3.721 3.625% 0.382 0.582 3.125% 3.962 3.962
3.500% 3.173 3.423 3.500% 2.706 2.956 3.500% 0.670 0.870 3.000% 4.661 4.661
3.375% 3.501 3.751 3.375% 3.095 3.345 3.375% 1.031 1.231 2.875% 5.259 5.259
3.250% 3.442 3.692 3.250% 3.109 3.359 3.250% 1.468 1.668 2.750% #VALUE! #VALUE!
3.125% 2.027 2.227
3.000% 2.698 2.898
2.875% 3.402 3.602
2.750% 4.142 4.342
Rate 15 30 Rate 15 30 Start Rate 15 30 Start Rate 15 30
4.500% 1.418 1.618 4.500% 1.418 1.668 4.000% 2.961 3.211 4.000% 2.905 3.155
4.375% 1.524 1.724 4.375% 1.524 1.774 3.875% 3.388 3.638 3.875% 3.382 3.632
4.250% 0.679 0.879 4.250% 0.679 0.929 3.750% 3.484 3.734 3.750% 3.546 3.796
4.125% 0.794 0.994 4.125% 0.794 1.044 3.625% 3.594 3.844 3.625% 3.707 3.957
4.000% 0.963 1.163 4.000% 0.963 1.213 3.500% 3.734 3.984 3.500% 3.834 4.084
3.875% 1.207 1.407 3.875% 1.207 1.457 3.375% 3.867 4.117 3.375% 3.971 4.221
3.750% 1.306 1.506 3.750% 1.306 1.556 3.250% 3.960 4.210 3.250% 4.187 4.437
3.625% 1.477 1.677 3.625% 1.477 1.727 3.125% 4.061 4.311 3.125% 4.406 4.656
3.500% 1.703 1.903 3.500% 1.703 1.953 3.000% 4.230 4.480 3.000% 4.640 4.890
3.375% 2.011 2.211 3.375% 2.011 2.261 2.875% 4.375 4.625 2.875% 4.831 5.081
3.250% 2.383 2.583 3.250% 2.383 2.633 2.750% 4.343 4.593 2.750% 4.700 4.950
3.125% 2.828 3.028 3.125% 2.828 3.078 2.625% 4.354 4.604 2.625% 4.631 4.881
3.000% 3.147 3.347 3.000% 3.147 3.397
Rate Sheet: RTL-2003/AFS-LCL
2.25 Margin, 2/2/5 Caps 2.25 Margin, 5/2/5 Caps
15 Yr Fixed 10 Yr Fixed 5/1 Libor ARM 7/1 Libor ARMPortfolio High Bal/Port No MI High Bal Portfolio High Bal/Port No MI High Bal Portfolio High Balance Portfolio High Balance
Portfolio/Portfolio No MI Portfolio/Portfolio No MI Portfolio High Bal/Port No MI High Bal Portfolio High Bal/Port No MI High Bal
2.25 Margin, 2/2/5 Caps 2.25 Margin, 5/2/5 Caps
Portfolio/Portfolio No MI Portfolio/Portfolio No MI Portfolio/Portfolio No MI
5/1 Libor ARM 7/1 Libor ARM 30/25 Yr Fixed 20 Yr Fixed
Monday, April 6, 2020 Retail AFS/LCL Rates effective until 5:00 pm PDT (In an occurrence of a Price Change, Notification will be sent)
Agency Portfolio
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30/25 Yr Fixed 20 Yr Fixed 15 Yr Fixed 10 Yr FixedPortfolio/Portfolio No MI
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Loan Amount* Loans $295k-Std Bal Limit (Agency DU Portfolio & Agency DU Portfolio No MI Fixed only) -0.200
* Loans $245k-$294,999 (Agency DU Portfolio & Agency DU Portfolio No MI Fixed only) -0.150 FICO <=60.00% 60.01-70.00% 70.01-75.00% 75.01-80.00% 80.01-85.00% 85.01-90.00% 90.01-95.00% 95.01-97.00%
* Loans $200k-$244,999 (Agency DU Portfolio & Agency DU Portfolio No MI Fixed only) -0.100 >=740 0.000 0.250 0.250 0.500 0.250 0.250 0.250 0.750
* Loans $75k-$99,999 0.250 720-739 0.000 0.250 0.500 0.750 0.500 0.500 0.500 1.000
* Loans $50k - $74,999 0.500 700-719 0.000 0.500 1.000 1.250 1.000 1.000 1.000 1.500
* Loans $30k-$49,999 1.250 680-699 0.000 0.500 1.250 1.750 1.500 1.250 1.250 1.500
Property Type 660-679 0.000 1.000 2.250 2.750 2.750 2.250 2.250 2.250
* 2-4 Units 1.000 640-659 0.500 1.250 2.750 3.000 3.250 2.750 2.750 2.750
* Attached Condo >75% LTV (applicable only to terms >15 yrs) 0.750 620-639 0.500 1.500 3.000 3.000 3.250 3.250 3.250 3.500
* Manufactured Home 1.000<620 (non-Trad Credit only) 0.500 1.500 3.000 3.000 3.250 3.250 3.250 3.750Occupancy* N/O/O up to 75% LTV 2.125 * Fico Scores > = 740 (Agency DU Portfolio & Agency DU Portfolio No MI Fixed only) -0.100* N/O/O 75.01-80% LTV 3.375
* N/O/O 80.01-85% LTV 4.125
* Second Home >85% LTV 0.250 <=75% 75.01-80.00% 80.01-85.00% 85.01-90.00% 90.01-95.00% 95.01-97.01
Miscellaneous 0.375 0.375 0.875 0.875 0.875 1.875
* Purchase Bonus (Agency DU Portfolio & Agency DU Portfolio No MI Fixed only) -0.100 0.375 0.375 0.625 0.625 0.625 1.875
* Escrow Waiver (CA Only) 0.000 0.375 0.375 1.125 1.125 1.125 1.875
* Escrow Waiver (all other states) 0.000 0.375 0.375 0.875 0.875 0.875 1.875
* 7-10 Financed Properties (Applicable to N/O/O & 2nd home only) 0.250 N/A 1.375 1.375 1.375 1.375 1.875
* ARMs w/LTV 90.01-95% 0.250 N/A 1.125 1.125 1.125 1.125 1.875** Down Payment Protection Feature (refer to Down Payment Protection Tab).
FICO <=60.00% 60.01-70.00% 70.01-75.00% 75.01-80.00% 80.01-85.00%
>=740 0.375 0.625 0.625 0.875 n/a
Applicable to High Bal only 720-739 0.375 1.000 1.000 1.125 n/a
Loan Purpose 700-719 0.375 1.000 1.000 1.125 n/a
* Purchase & Rate/Term Refi 0.250 680-699 0.375 1.125 1.125 1.750 n/a
* Cash-out Refi 1.000 660-679 0.875 1.375 1.375 2.125 n/a
Miscellaneous 640-659 1.625 2.625 2.625 3.625 n/a
* High Balance ARM LTV <=75% 0.750 620-639 1.625 2.625 2.625 4.125 n/a
* High Balance ARM LTV >75% 1.500
** Portfolio High Bal Fixed w/LTV <= 80% -0.100
All Fixed Rates 105.000
All ARM Rates 103.750
Applicable to 30 Yr Term (Portfolio No MI & Portfolio High Bal No MI)
FICO 80.01-85% 85.01-90% 90.01-95% FICO 80.01-85% 85.01-90% 90.01-95% 95.01-97% FICO
>=800 0.450 0.900 1.260 >=800 0.340 0.750 1.100 1.720 >=800 0.000
780-799 0.510 0.950 1.420 780-799 0.390 0.820 1.240 1.920 780-799 0.000
760-779 0.550 1.010 1.480 760-779 0.430 0.880 1.380 1.920 760-779 0.000
740-759 0.610 1.180 1.770 740-759 0.490 1.020 1.650 2.700 740-759 0.000
720-739 0.950 1.600 2.250 720-739 0.770 1.450 2.100 2.950 720-739 0.000
700-719 1.050 1.870 2.750 700-719 0.780 1.620 2.470 3.650 700-719 0.000
680-699 1.100 1.980 2.980 680-699 0.790 1.680 2.650 3.650 680-699 0.000
660-679 1.600 3.250 4.950 660-679 1.150 2.880 4.560 6.520 660-679 0.500
640-659 1.730 3.530 5.120 640-659 1.340 3.140 4.730 6.700 640-659 0.500
620-639 2.100 4.150 5.850 620-639 1.630 3.740 5.450 7.050 620-639 1.050
Applicable to <=20 Yr Term (Portfolio No MI & Portfolio High Bal No MI)
FICO 80.01-85% 85.01-90% 90.01-95% FICO FICO FICO
>=800 0.310 0.670 1.010 >=800 0.250 >=800 0.000 >=800 0.000
780-799 0.310 0.680 1.040 780-799 0.300 780-799 0.000 780-799 0.000
760-779 0.310 0.720 1.050 760-779 0.300 760-779 0.000 760-779 0.000
740-759 0.330 0.860 1.430 740-759 0.300 740-759 0.000 740-759 0.000
720-739 0.890 1.220 1.890 720-739 0.500 720-739 0.000 720-739 0.000
700-719 0.920 1.290 2.710 700-719 0.700 700-719 0.550 700-719 0.000
680-699 0.940 1.290 2.710 680-699 0.700 680-699 0.550 680-699 0.120
660-679 1.100 1.420 3.790 660-679 1.230 660-679 1.050 660-679 0.120
640-659 1.100 1.560 3.990 640-659 1.230 640-659 1.050 640-659 0.130
620-639 1.100 1.850 4.590 620-639 1.300 620-639 1.100 620-639 0.170
FICO
>=800 0.240
780-799 0.240
760-779 0.240
740-759 0.240
720-739 0.350 Maximum Rebate/Price Cap700-719 0.420 Portfolio Fixed 105.000
680-699 0.550 Portfolio High Balance Fixed 105.000
660-679 0.690 Portfolio No MI Fixed 105.000
640-659 0.830 Portfolio No MI High Balance Fixed 105.000
620-639 0.920 Portfolio ARMs 103.750
Rate Sheet: RTL-2003/AFS-LCL
6.740
7.050
Applicable to DTI >45%(Portfolio No MI & Portfolio High Bal No MI)
This is not an advertisement pursuant to 12 C.F.R. 1026.2(a)(2). This is informational material intended for real estate business professionals only and is not for distribution to consumers or prospective applicants for residential mortgage loans. Interest rate, terms and
programs are subject to change without notice. © 2014 Paramount Residential Mortgage Group, Inc. 1265 Corona Pointe Court, Corona, CA 92879. All Rights Reserved. NMLS ID 75243.
1.840
2.640
2.960
3.620
3.640
6.490
95.01-97%
1.550
1.830
Applicable to R&T Refi's Applicable to One BorrowerLTV (%) (Portfolio No MI & Portfolio High Bal No MI) (Portfolio No MI & Portfolio High Bal No MI) (Portfolio No MI & Portfolio High Bal No MI)
3.900
3.960
6.900
7.090
7.450
Applicable to Second Homes
95.01-97%
1.880
2.050
2.050
2.850
3.100
Maximum Rebate/Buy
Applicable to Lender Paid Portfolio No MI & Portfolio High Bal No MI Programs (In addition to all other LLPAs)
Applicable to 25 Yr Term (Portfolio No MI & Portfolio High Bal No MI) Applicable to Loan Size >$510,400LTV (%) LTV (%) (Portfolio No MI & Portfolio High Bal No MI)
65.01-75% & FICO <720
65.01-75% & FICO>=720
75.01-95% & FICO <720
75.01-95% & FICO >=720
Cash-out LTV (%)
Credit Score
Subordinate FinancingCLTV (%)
LTV/FICO<=65% & FICO <720
<=65% & FICO >=720
Monday, April 6, 2020 Retail AFS/LCL Rates effective until 5:00 pm PDT (In an occurrence of a Price Change, Notification will be sent)
PRICE ADJUSTMENTS
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Portfolio, Portfolio High Balance, Portfolio No MI, Portfolio No MI High Balance Price Adjustments
Applicable to All Applicable to All Credit Score (Except Terms <=15 Yrs)
LTV (%)
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30/25 Yr Fixed 15 Yr Fixed 5/1 ARMRate 15 30 Rate 15 30 Start Rate 15 30 Rate 15 30
5.375% 2.718 2.918 4.625% 21.429 21.629 4.500% 2.283 2.533 4.750% 1.147 1.347
5.250% 2.757 2.957 4.500% 21.904 22.104 4.375% 2.484 2.734 4.625% 1.317 1.517
5.125% (0.241) (0.041) 4.375% 1.805 2.005 4.250% 2.695 2.945 4.500% 1.510 1.710
5.000% (0.233) (0.033) 4.250% 2.055 2.255 4.125% 2.935 3.185 4.375% 1.726 1.926
4.990% (0.153) 0.047 4.125% 1.326 1.526 4.000% 3.124 3.374 4.250% 1.228 1.428
4.875% (0.224) (0.024) 4.000% 1.576 1.776 3.875% 3.343 3.593 4.125% 1.450 1.650
4.750% (0.625) (0.425) 3.875% 1.855 2.055 3.750% 3.034 3.284 4.000% 1.687 1.887
4.625% (0.742) (0.542) 3.750% 2.155 2.355 3.625% 3.667 3.917 3.990% 1.767 1.967
4.500% (0.461) (0.261) 3.625% 1.341 1.541 3.500% 3.872 4.122 3.875% 0.524 0.724
4.375% (0.159) 0.041 3.500% 1.642 1.842 3.375% 4.111 4.361 3.750% 0.524 0.724
4.250% (0.825) (0.625) 3.375% 1.965 2.165 3.250% 4.364 4.614 3.625% 0.782 0.982
4.125% (0.516) (0.316) 3.250% 2.303 2.503 3.500% 1.050 1.250
4.000% (0.191) 0.009 3.125% 2.371 2.571 3.375% 1.326 1.526
3.990% (0.111) 0.089 3.250% 1.539 1.739
3.875% 0.148 0.348 3.125% 1.822 2.022
3.750% (0.967) (0.767) 3.000% 2.106 2.306
3.625% (0.621) (0.421) 2.875% 3.696 3.896
3.500% (0.266) (0.066) 2.750% 4.008 4.208
3.375% 0.019 0.219
3.250% 0.028 0.228
3.125% 0.513 0.713
3.000% 0.884 1.084
2.875% 1.194 1.394
2.750% 1.203 1.403
High Balance 5/1 ARM 203K Standard 30 YrStart Rate 15 30 Rate 15 30 Rate 15 30 Rate 15 30
4.500% 1.031 1.281 4.625% 2.520 2.770 4.250% (0.700) (0.500) 4.375% 1.930 2.130
4.375% 1.196 1.446 4.500% 2.745 2.995 4.125% (0.391) (0.191) 4.250% 2.180 2.380
4.250% 1.369 1.619 4.375% 2.770 3.020 4.000% (0.066) 0.134 4.125% 1.451 1.651
4.125% 1.731 1.981 4.250% 2.920 3.170 3.990% 0.014 0.214 4.000% 1.701 1.901
4.000% 1.879 2.129 4.125% 2.754 3.004 3.875% 0.273 0.473 3.875% 1.980 2.180
3.875% 2.058 2.308 4.000% 2.829 3.079 3.750% (0.842) (0.642) 3.750% 2.280 2.480
3.750% 0.541 0.791 3.875% 2.729 2.979 3.625% (0.496) (0.296) 3.625% 1.466 1.666
3.625% 2.194 2.444 3.750% 2.866 3.116 3.500% (0.141) 0.059 3.500% 1.767 1.967
3.500% 2.100 2.350 3.625% 2.458 2.708 3.375% 0.144 0.344 3.375% 2.090 2.290
3.375% 2.293 2.543 3.250% 0.153 0.353 3.250% 2.428 2.628
3.250% 2.501 2.751 3.125% 0.638 0.838 3.125% 2.496 2.696
3.000% 1.009 1.209
2.875% 1.319 1.519
VA 30 Yr Fixed VA 15 Yr FixedRate 15 30 Rate 15 30 Rate 15 30 Rate 15 30
5.375% 2.718 2.918 4.250% 2.370 2.620 4.625% 1.617 1.817 4.250% (0.850) (0.650)
5.250% 2.757 2.957 4.125% 1.953 2.203 4.500% 1.810 2.010 4.125% (0.541) (0.341)
5.125% (0.241) (0.041) 4.000% 1.984 2.234 4.375% 2.026 2.226 4.000% (0.216) (0.016)
5.000% (0.233) (0.033) 3.875% 2.106 2.356 4.250% 1.528 1.728 3.875% 0.123 0.323
4.875% (0.224) (0.024) 3.750% 2.298 2.548 4.125% 1.750 1.950 3.750% (0.992) (0.792)
4.750% (1.000) (0.800) 3.625% 1.499 1.749 4.000% 1.987 2.187 3.625% (0.646) (0.446)
4.625% (0.742) (0.542) 3.500% 1.480 1.730 3.875% 0.824 1.024 3.500% (0.291) (0.091)
4.500% (0.461) (0.261) 3.375% 1.723 1.973 3.750% 0.824 1.024 3.375% (0.006) 0.194
4.375% (0.159) 0.041 3.250% 1.978 2.228 3.625% 1.082 1.282 3.250% 0.003 0.203
4.250% (0.825) (0.625) 3.125% 2.370 2.620 3.500% 1.350 1.550 3.125% 0.488 0.688
4.125% (0.516) (0.316) 3.000% 2.623 2.873 3.375% 1.626 1.826 3.000% 0.859 1.059
4.000% (0.191) 0.009 2.875% 2.891 3.141 3.250% 1.839 2.039 2.875% 1.169 1.369
3.875% 0.148 0.348 2.750% 3.175 3.425 3.125% 2.122 2.322 2.750% 1.178 1.378
3.750% (0.967) (0.767) 3.000% 2.406 2.606
3.625% (0.621) (0.421) 2.875% 3.996 4.196
3.500% (0.266) (0.066) 2.750% 4.308 4.508
3.375% 0.019 0.219
3.250% 0.028 0.228
3.125% 0.513 0.713
3.000% 0.884 1.084
2.875% 1.194 1.394
2.750% 1.203 1.403
Rate 15 30 Rate 15 30 Rate 15 30 Rate 15 30
4.250% 2.095 2.295 4.250% 1.653 1.853 4.250% (0.726) (0.526) 4.500% 1.537 1.737
4.125% 1.678 1.878 4.125% 1.875 2.075 4.125% (0.394) (0.194) 4.375% 1.693 1.893
4.000% 1.709 1.909 4.000% 2.112 2.312 4.000% (0.017) 0.183 4.250% 1.780 1.980
3.875% 1.831 2.031 3.875% 0.949 1.149 3.875% 0.390 0.590 4.125% 0.472 0.672
3.750% 2.023 2.223 3.750% 0.949 1.149 3.750% (1.088) (0.888) 4.000% 0.976 1.176
3.625% 1.224 1.424 3.625% 1.207 1.407 3.625% (0.624) (0.424) 3.875% 1.528 1.728
3.500% 1.205 1.405 3.500% 1.475 1.675 3.500% (0.158) 0.042 3.750% 1.880 2.080
3.375% 1.448 1.648 3.375% 1.751 1.951 3.375% 0.308 0.508 3.625% 0.517 0.717
3.250% 1.703 1.903 3.250% 1.964 2.164 3.250% 0.055 0.255 3.500% 0.632 0.832
3.125% 2.095 2.295 3.125% 2.247 2.447 3.125% 0.522 0.722 3.375% 0.986 1.186
3.000% 2.348 2.548 3.000% 2.531 2.731 3.000% 0.959 1.159 3.250% 1.247 1.447
2.875% 2.616 2.816 2.875% 4.121 4.321 3.125% 1.219 1.419
2.750% 2.900 3.100 2.750% 4.433 4.633 3.000% 1.660 1.860
Loan Amount FICO* Loans $250k-Std Bal Limit -0.200 * Fico Scores 740+ -0.250
* Loans $175k-$249,999 -0.100 * Fico Scores 700-739 -0.125
* Loans $75k-$99,999 0.250 * Fico Scores 660-679 (Except VA IRRRL High Bal) 0.250
* Loans $50k-$74,999 0.750 * Fico Scores 660 - 679 (VA IRRRL High Bal only) 0.625
* Loans $30k-$49,999 2.000 * Fico Scores 640 - 659 1.000
* Loans < $30,000 Contact Secondary * Fico Scores 620 - 639 2.500
* Loans $1M-$1.5m (VA High Bal only) 0.500 * No FICO Score (FHA, Non-Traditional Credit only) 3.000
* Loans >=$1m (VA IRRRL High Bal only) 0.625LTV* Streamline CLTV 100.01-125% 0.250
* VA IRRRL & VA IRRRL High Bal w/LTV >100-105% 0.250
* VA IRRRL & VA IRRRL High Bal w/LTV >105% 0.500
* VA/VA High Bal Cash-out w/LTV >90% 2.250
Occupancy Miscellaneous * Non Owner Occupied 1.000 * Purchase Bonus (FHA, VA only - All Standard Bal Fixed only) -0.100
* Down Payment Asst Prgrms (FHA High Bal only) 0.375
Maximum Rebate/Price Cap * FHA Manufactured Home 1.500
All Fixed Rates 105.000 * USDA/VA Manufactured Home 1.500
All ARM Rates 103.750 * FHA 203k and FICO 640-659 6.000
* FHA 203k w/DTI>=50% and Fico 640-659 1.250** Down Payment Protection Feature (refer to Down Payment Protection Tab).
Rate Sheet: RTL-2003/AFS-LCL
VA IRRRL - 15 VA IRRRL High Bal - 30 USDA - 30 Yr USDA Streamlined Assist -
Government Price Adjustments
VA/USDAVA High Balance - 30 VA IRRRL - 30/25
Monday, April 6, 2020 Retail AFS/LCL Rates effective until 5:00 pm PDT (In an occurrence of a Price Change, Notification will be sent)
FHAG
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2.00 Margin, 1/1/5 Caps
Streamline 30 Streamline 15
2.00 Margin, 1/1/5 Caps
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LTV80.00% * Purchase only
80.01%-81.00% * Agency
81.01%-82.00% * Agency NO MI
82.01%-83.00% * Agency LP
83.01%-84.00% * Agency High Balance
84.01%-85.00% * Home Ready
85.01%-86.00% * Home Possible
86.01%-87.00% * FHLMC Super Confriming
87.01%-88.00% * FHA
88.01%-89.00% * FHA Portfolio
89.01%-90.00% * FHA Portfolio No Score
90.01%-91.00% * FHA 203H
91.01%-92.00% * FHA Portfolio GNND
92.01%-93.00%
93.01%-94.00%
94.01%-95.00%
95.01%-96.00% * Refinance
96.01%-96.50% * Agency Tx Home Equity
96.51%-97.00% * Niche
* Jumbos
* FHA Streamilines
* DU Refi Plus
Group2 * Closed End Seconds
Group3 * VA IRRRLS
Group4 * FHA 203K
Group5
Rate Sheet: RTL-2003AFS
2 - Maximum coverage available cannot exceed $200,000
DE, FL, MD, MI, MN, RI, UT
GA, OR
ID
AZ, NV
Notes:1 - All rates include State level fees and taxes.
0.181 0.223 0.266 0.372 0.436
Group1 AK, AL, AR, CA, CO, CT, DC, HI, IA, IL, IN, KS, KY, LA, MA, ME, MO, MS, MT, NC, ND, NE, NH, NJ,
NM, OH, OK, PA, SC, SD, TN, TX, VA, VT, WA, WI, WV
0.202 0.252 0.299 0.417 0.488
0.191 0.237 0.282 0.395 0.462
Programs- Not Allowed0.282 0.358 0.424 0.587 0.684
0.355 0.446 0.530 0.732 0.859
0.318 0.402 0.476 0.659 0.771
0.431 0.538 0.642 0.885 1.041
0.393 0.491 0.586 0.808 0.949
0.489 0.617 0.737 1.013 1.194
0.470 0.585 0.699 0.963 1.135
0.529 0.683 0.816 1.117 1.317
0.509 0.650 0.776 1.065 1.255
0.571 0.753 0.898 1.226 1.445
0.550 0.718 0.857 1.171 1.380
0.599 0.806 0.965 1.320 1.549
0.585 0.779 0.931 1.273 1.496
0.629 0.861 1.035 1.419 1.659
0.614 0.833 0.999 1.369 1.603
Available Programs
0.645 0.890 1.071 1.471 1.716
Monday, April 6, 2020 Retail Rates effective until 5:00 pm PDT, ARMs until 3:30 pm PDT (In an occurrence of a Price Change, Notification will be sent)
Down Payment Protection Feature
Do
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Pa
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Fe
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Group 1 Group 2 Group 3 Group 4 Group 5
7:30AM
Rate 15 30 Rate 15 30 Start Rate 15 30 Start Rate 15 30
5.500% 0.855 1.105 4.500% 0.425 0.675 4.500% 1.412 1.662 4.500% 1.625 1.875
5.375% 1.192 1.442 4.375% 0.580 0.830 4.375% 1.683 1.933 4.375% 1.917 2.167
5.250% 1.548 1.798 4.250% 0.861 1.111 4.250% 1.954 2.204 4.250% 2.202 2.452
5.125% 1.800 2.050 4.125% 1.170 1.420 4.125% 2.222 2.472 4.125% 2.487 2.737
5.000% 1.985 2.235 4.000% 1.301 1.551 4.000% 2.494 2.744 4.000% 2.772 3.022
4.875% 2.018 2.268 3.875% 1.641 1.891 3.875% 2.915 3.165 3.875% 3.058 3.308
4.750% 2.052 2.302 3.750% 2.031 2.281 3.750% 3.338 3.588 3.750% 3.387 3.637
4.625% 2.059 2.309 3.625% 2.449 2.699 3.625% 3.492 3.742 3.625% 3.991 4.241
4.500% 2.077 2.327 3.500% 2.936 3.186 3.500% 3.918 4.168 3.500% 4.347 4.597
4.375% 2.156 2.406 3.375% 3.343 3.593 3.375% 4.349 4.599 3.375% 4.726 4.976
4.250% 2.200 2.450 3.250% 3.810 4.060 3.250% 4.740 4.990 3.250% 5.135 5.385
4.125% 2.320 2.570
4.000% 2.386 2.636
Primary PurchaseFICO <=55% 55.01-60% 60.01-65% 65.01-70% 70.01-75% 80.01-85% 85.01-90%
800+ -0.825 -0.825 -0.700 -0.575 -0.450 -0.325 -0.325
780-799 -0.825 -0.825 -0.700 -0.575 -0.450 -0.325 -0.325
760-779 -0.825 -0.700 -0.575 -0.575 -0.325 -0.200 -0.200
740-759 -0.825 -0.700 -0.450 -0.450 -0.200 0.050 0.050
720-739 -0.825 -0.700 -0.450 -0.450 -0.200 0.300 0.300
700-719 -0.700 -0.700 -0.325 -0.200 0.050 0.550 0.550
680-699 -0.700 -0.700 -0.325 -0.200 0.300 n/a n/a Primary Rate/Term
FICO <=55% 55.01-60% 60.01-65% 65.01-70% 70.01-75% 80.01-85% 85.01-90%
800+ -0.450 -0.450 -0.450 -0.325 -0.200 0.175 0.175
780-799 -0.450 -0.450 -0.450 -0.325 -0.200 0.175 0.175
760-779 -0.450 -0.450 -0.325 -0.325 -0.075 0.300 0.300
740-759 -0.450 -0.450 -0.200 -0.200 0.050 0.550 0.550
720-739 -0.450 -0.450 -0.200 -0.200 0.050 0.800 0.800
700-719 -0.325 -0.325 -0.075 0.050 0.300 1.050 1.050
680-699 -0.325 -0.325 -0.075 0.050 0.550 n/a n/a
Primary Cash out
FICO <=55% 55.01-60% 60.01-65% 65.01-70% 70.01-75% 80.01-85% 85.01-90%
800+ -0.450 -0.450 -0.200 0.175 0.675 n/a n/a
780-799 -0.450 -0.450 -0.200 0.175 0.675 n/a n/a
760-779 -0.450 -0.325 -0.075 0.175 0.800 n/a n/a
740-759 -0.450 -0.325 0.050 0.300 0.925 n/a n/a
720-739 -0.450 -0.325 0.050 0.300 0.925 n/a n/a
700-719 -0.325 -0.200 0.175 0.550 1.175 n/a n/a
680-699 n/a n/a n/a n/a n/a n/a n/a
Second Purchase
FICO <=55% 55.01-60% 60.01-65% 65.01-70% 70.01-75% 80.01-85% 85.01-90%
800+ -0.825 -0.825 -0.700 -0.575 -0.450 n/a n/a
780-799 -0.825 -0.825 -0.700 -0.575 -0.450 n/a n/a
760-779 -0.825 -0.700 -0.575 -0.575 -0.325 n/a n/a
740-759 -0.825 -0.700 -0.450 -0.450 -0.200 n/a n/a
720-739 -0.825 -0.700 -0.450 -0.450 -0.200 n/a n/a
700-719 -0.700 -0.575 -0.325 -0.200 0.050 n/a n/a
680-699 n/a n/a n/a n/a n/a n/a n/a
Second Rate/Term
FICO <=55% 55.01-60% 60.01-65% 65.01-70% 70.01-75% 80.01-85% 85.01-90%
800+ -0.450 -0.450 -0.450 -0.325 -0.200 n/a n/a
780-799 -0.450 -0.450 -0.450 -0.325 -0.200 n/a n/a
760-779 -0.450 -0.325 -0.325 -0.325 -0.075 n/a n/a
740-759 -0.450 -0.325 -0.200 -0.200 0.050 n/a n/a
720-739 -0.450 -0.325 -0.200 -0.200 0.050 n/a n/a
700-719 -0.325 -0.200 -0.075 0.050 0.300 n/a n/a
680-699 n/a n/a n/a n/a n/a n/a n/a
Second Cash Out
FICO <=55% 55.01-60% 60.01-65% 65.01-70% 70.01-75% 80.01-85% 85.01-90%
800+ -0.450 -0.450 -0.200 0.175 n/a n/a n/a
780-799 -0.450 -0.450 -0.200 0.175 n/a n/a n/a
760-779 -0.450 -0.325 -0.075 0.175 n/a n/a n/a
740-759 -0.450 -0.325 0.050 0.300 n/a n/a n/a
720-739 -0.450 -0.325 0.050 0.300 n/a n/a n/a
700-719 n/a n/a n/a n/a n/a n/a n/a
680-699 n/a n/a n/a n/a n/a n/a n/a
NOO Purchase
FICO <=55% 55.01-60% 60.01-65% 65.01-70% 70.01-75% 80.01-85% 85.01-90%
800+ -0.825 -0.825 -0.450 -0.200 0.050 n/a n/a
780-799 -0.825 -0.825 -0.450 -0.200 0.050 n/a n/a
760-779 -0.825 -0.700 -0.325 -0.200 0.175 n/a n/a
740-759 -0.825 -0.700 -0.200 -0.075 0.300 n/a n/a
720-739 -0.825 -0.700 -0.200 -0.075 0.300 n/a n/a
700-719 -0.700 -0.575 -0.075 0.175 0.550 n/a n/a
680-699 n/a n/a n/a n/a n/a n/a n/a
NOO Rate/Term
FICO <=55% 55.01-60% 60.01-65% 65.01-70% 70.01-75% 80.01-85% 85.01-90%
800+ -0.450 -0.450 -0.200 0.050 0.300 n/a n/a
780-799 -0.450 -0.450 -0.200 0.050 0.300 n/a n/a
760-779 -0.450 -0.325 -0.075 0.050 0.425 n/a n/a
740-759 -0.450 -0.325 0.050 0.175 0.550 n/a n/a
720-739 -0.450 -0.325 0.050 0.175 0.550 n/a n/a
700-719 -0.325 -0.200 0.175 0.425 0.800 n/a n/a
680-699 n/a n/a n/a n/a n/a n/a n/a
NOO C/O
FICO <=55% 55.01-60% 60.01-65% 65.01-70% 70.01-75% 80.01-85% 85.01-90%
800+ n/a n/a n/a n/a n/a n/a n/a
780-799 n/a n/a n/a n/a n/a n/a n/a
760-779 n/a n/a n/a n/a n/a n/a n/a
740-759 n/a n/a n/a n/a n/a n/a n/a
720-739 n/a n/a n/a n/a n/a n/a n/a
700-719 n/a n/a n/a n/a n/a n/a n/a
680-699 n/a n/a n/a n/a n/a n/a n/a
Other <=55% 55.01-60% 60.01-65% 65.01-70% 70.01-75% 80.01-85% 85.01-90%
Interest Only 0.500 0.500 1.000 1.000 1.500 n/a n/a
Interest Only (2nd home) 0.500 0.500 1.000 1.000 n/a n/a n/a
>80 LTV NO MI n/a n/a n/a n/a n/a 0.375 0.625
(Price cap is after all LLPAs but before Lender Paid Comp)
Term Price Cap
30YR 100.850
15YR 100.850
5/1 Arm 100.850
7/1 Arm 100.850
10/1 Arm 100.850
Rate Sheet: RTL-2003 AFS
n/a
Maximum Rebate/Price Cap
n/a
OTHER/CLTVLTV/CLTV (%)
75.01-80%
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
LTV/CLTV (%)
75.01-80%
n/a
LTV/CLTV (%)
75.01-80%
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
LTV/CLTV (%)
75.01-80%
n/a
LTV/CLTV (%)
75.01-80%
n/a
n/a
n/a
0.050
0.050
0.175
0.300
0.550
0.675
0.050
0.300
0.425
n/a
LTV/CLTV (%)
75.01-80%
n/a
LTV/CLTV (%)
75.01-80%
-0.200
-0.200
-0.075
n/a
n/a
n/a
n/a
n/a
n/a
0.300
0.550
0.675
0.925
LTV/CLTV (%)
75.01-80%
0.675LTV/CLTV (%)
75.01-80%
0.050
0.050
0.175
-0.200
-0.200
-0.075
0.050
0.300
0.425
2.25 Margin, 2/2/5 Caps
Ruby Jumbo Price Adjustments
Applicable to All FICO/CLTV
LTV/CLTV (%)
75.01-80%
Monday, April 6, 2020 Retail Rates effective until 3:30 pm PDT (In an occurrence of a Price Change, Notification will be sent)
RUBY JUMBORuby 30 Yr Fixed Ruby 15 Yr Fixed Ruby 5/1 ARM Ruby 7/1 ARM
2.25 Margin, 2/2/5 Caps
Page 10
7:30AM
Rate 15 30 Rate 15 30 Start Rate 15 30 Start Rate 15 30
5.125% 0.151 0.401 4.250% 1.953 2.203 4.250% 1.227 1.477 4.250% 1.490 1.740
5.000% 0.337 0.587 4.125% 2.254 2.504 4.125% 1.549 1.799 4.125% 1.688 1.938
4.875% 0.575 0.825 4.000% 2.611 2.861 4.000% 1.900 2.150 4.000% 1.964 2.214
4.750% 0.855 1.105 3.875% 3.009 3.259 3.875% 2.273 2.523 3.875% 2.302 2.552
4.625% 1.162 1.412 3.750% 3.432 3.682 3.750% 2.656 2.906 3.750% 2.688 2.938
4.500% 1.485 1.735 3.625% 3.864 4.114 3.625% 3.042 3.292 3.625% 3.104 3.354
4.375% 1.823 2.073 3.500% 4.297 4.547 3.500% 3.452 3.702 3.500% 3.537 3.787
4.250% 2.185 2.435 3.375% 4.742 4.992 3.375% 3.897 4.147 3.375% 3.993 4.243
4.125% 2.579 2.829 3.250% 5.211 5.461 3.250% 4.385 4.635 3.250% 4.479 4.729
4.000% 3.011 3.261 3.125% 5.719 5.969 3.125% 4.927 5.177 3.125% 5.006 5.256
Rate 30 45 Rate 30 45 Start Rate 30 45 Start Rate 30 45
4.625% 0.391 0.641 4.000% 1.068 1.318 3.875% (0.185) 0.065 4.000% (0.626) (0.376)
4.500% 0.541 0.791 3.875% 1.192 1.442 3.750% 0.092 0.342 3.875% (0.290) (0.040)
4.375% 0.692 0.942 3.750% 1.313 1.563 3.625% 0.372 0.622 3.750% 0.048 0.298
4.250% 0.846 1.096 3.625% 1.434 1.684 3.500% 0.652 0.902 3.625% 0.387 0.637
4.125% 1.004 1.254 3.500% 1.555 1.805 3.375% 0.933 1.183 3.500% 0.727 0.977
4.000% 1.170 1.420 3.375% 1.680 1.930 3.250% 1.212 1.462 3.375% 1.067 1.317
3.875% 1.338 1.588 3.250% 1.816 2.066 3.125% 1.489 1.739 3.250% 1.407 1.657
3.750% 1.509 1.759 3.125% 1.973 2.223 3.000% 1.766 2.016 3.125% 1.750 2.000
3.625% 1.685 1.935 3.000% 2.162 2.412 2.875% 2.042 2.292 3.000% 2.097 2.347
3.500% 1.872 2.122 2.875% 2.391 2.641 2.750% 2.323 2.573 2.875% 2.455 2.705
3.375% 2.079 2.329 2.750% 2.667 2.917 2.625% 2.604 2.854 2.750% 2.822 3.072
#REF!
Emerald 30 Yr Fixed Emerald 15 Yr Fixed
Rate 15 30 Rate 15 30 Start Rate 15 30 Start Rate 15 30
5.125% 1.061 1.311 3.750% 1.544 1.794 4.000% 0.060 0.310 3.990% 0.122 0.372
5.000% 1.128 1.378 3.625% 2.022 2.272 3.875% 0.239 0.489 3.875% 0.523 0.773
4.990% 1.143 1.393 3.500% 2.549 2.799 3.750% 0.523 0.773 3.750% 0.860 1.110
4.875% 1.569 1.819 3.375% 2.976 3.226 3.625% 0.847 1.097 3.625% 1.247 1.497
4.750% 1.885 2.135 3.250% 3.503 3.753 3.500% 1.020 1.270 3.500% 1.663 1.913
4.625% 2.088 2.338 3.125% 4.030 4.280 3.375% 1.380 1.630 3.375% 2.149 2.399
4.500% 2.166 2.416 3.000% 4.653 4.903 3.250% 1.795 2.045 3.250% 2.651 2.901
4.375% 1.585 1.835 2.875% 5.292 5.542 3.125% 2.260 2.510
2.750% 5.927 6.177 3.000% 2.575 2.825
2.625% 6.562 6.812 2.875% 3.090 3.340
2.500% 7.197 7.447
Rate Sheet: RTL-2003/AFS-LCL
2.25 Margin, 2/2/5 Caps 2.25 Margin, 5/2/5 Caps
EMERALD JUMBOEmerald 5/1 ARM -
Medical Prof 5/1 ARM
Emerald 10/1 ARM -
Medical Prof 10/1 ARM
2.25 Margin, 2/2/5 Caps 2.25 Margin, 5/2/5 Caps
2.50 Margin, 5/2/5 Caps
GOLD JUMBOGold 30/25 yr Fixed Gold 15 yr Fixed Gold 5/1 ARM Gold 7/1 ARM
Monday, April 6, 2020 Retail AFS/LCL Rates effective until 5:00 pm PDT (In an occurrence of a Price Change, Notification will be sent)
PLATINUM JUMBOPlatinum 30 Yr Fixed Platinum 15 Yr Fixed Platinum 5/1 ARM Platinum 7/1 ARM
2.50 Margin, 5/2/5 Caps
Page 11
125CORONA
7:30AM
Applicable to Fixed Rate Loans Purchase and R/T refinanceCredit Score
LTV/CLTV (%)FICO <=50.00% 50.01-55% 55.01-60% 60.01-65% 65.01-70.00%70.01-75.00%75.01-80.00%
>-800 -0.1250 -0.0625 -0.0625 -0.0625 0.0625 0.1875 0.3750780-799 -0.1250 -0.0625 -0.0625 0.0000 0.1250 0.2500 0.4375760-779 -0.0625 -0.0625 -0.0625 0.0000 0.1250 0.3125 0.6250740-759 -0.0625 -0.0625 0.0000 0.0625 0.2500 0.4375 0.7500720-739 -0.0625 0.0000 0.0625 0.0625 0.3125 0.5000 0.9375700-719 -0.0625 0.0625 0.1250 0.1875 0.4375 0.7500 1.3750680-699 0.0000 0.1250 0.1875 0.2500 n/a n/a n/a
Miscellaneous<=50.00% 50.01-55% 55.01-60% 60.01-65% 65.01-70.00%70.01-75.00%75.01-80.00%
2nd home 0.0000 0.1250 0.1875 0.3125 0.3750 0.4375 n/a2-4 untis 0.2500 0.3750 0.7500 1.0000 1.5000 2.0000 3.0000Condo 0.0000 0.0000 0.0625 0.1250 0.1250 0.1250 0.1250
DTI >40% 0.0000 0.0000 0.1250 0.1875 0.1875 0.2500 0.3750Applicable to Fixed Rate Loan Cash outCredit Score
LTV/CLTV (%)FICO <=50.00% 50.01-55% 55.01-60% 60.01-65% 65.01-70.00%70.01-75.00%75.01-80.00%
>-800 -0.1250 -0.0625 -0.0625 0.0625 0.1250 1.8750 n/a780-799 -0.1250 -0.0625 -0.0625 0.1250 0.1875 0.3125 n/a760-779 -0.0625 -0.0625 0.0625 0.1875 0.3125 0.4375 n/a740-759 -0.0625 0.0625 0.1250 0.2500 0.3750 0.5625 n/a720-739 -0.0625 0.0625 0.1875 0.3125 0.5625 0.8125 n/a700-719 -0.0625 0.1250 0.3125 0.5000 0.7500 1.1875 n/a680-699 n/a n/a n/a n/a n/a n/a n/a
Miscellaneous<=50.00% 50.01-55% 55.01-60% 60.01-65% 65.01-70.00%70.01-75.00%75.01-80.00%
2nd home 0.0000 0.1250 0.1875 0.3125 0.3750 n/a n/a2-4 untis 0.2500 0.3750 0.7500 1.0000 1.5000 2.0000 3.0000Condo 0.0000 0.0000 0.0625 0.1250 0.1250 0.1250 0.1250
DTI >40% n/a n/a n/a n/a n/a n/a n/aApplicable to Fixed rate loan Purchase, R/T, and Cash out* Loan amount change $45,001-$75,000 0.125* Loan amount change $75,000-$150,000 0.250*Escrow wavier( excluding Ca, NC, DC, and NY) 0.125*Purchase Special on Purchase and R/T only -0.125Applicable to ARM Loans Purchase and R/TCredit Score
LTV/CLTV (%)FICO <=50.00% 50.01-55% 55.01-60% 60.01-65% 65.01-70.00%70.01-75.00%75.01-80.00%
>-800 -0.1250 -0.0625 0.0625 0.0625 0.1875 0.3125 0.5000780-799 -0.1250 -0.0625 0.0625 0.1250 0.2500 0.3750 0.5625
760-779 -0.0625 -0.0625 0.0625 0.1250 0.2500 0.4375 0.7500740-759 -0.0625 -0.0625 0.1250 0.1875 0.3750 0.5625 0.8750720-739 -0.0625 0.0000 0.1875 0.1875 0.4375 0.6250 1.0625700-719 -0.0625 0.0625 0.2500 0.3125 0.5625 0.8750 1.5000680-699 0.0000 0.1250 0.3125 0.3750 n/a n/a n/a
Miscellaneous<=50.00% 50.01-55% 55.01-60% 60.01-65% 65.01-70.00%70.01-75.00%75.01-80.00%
2nd home 0.0000 0.1250 0.1875 0.3125 0.3750 0.4375 n/a2-4 untis 0.2500 0.3750 0.7500 1.0000 1.5000 2.0000 3.0000Condo 0.0000 0.0000 0.0625 0.1250 0.1250 0.1250 0.1250
DTI >40% 0.0000 0.0000 0.1250 0.1875 0.1875 0.2500 0.3750Applicable to ARM Loans cash outCredit Score
LTV/CLTV (%)FICO <=50.00% 50.01-55% 55.01-60% 60.01-65% 65.01-70.00%70.01-75.00%75.01-80.00%
>-800 -0.1250 -0.0625 0.0625 0.1875 0.2500 0.3125 n/a780-799 -0.1250 -0.0625 0.0625 0.2500 0.3125 0.4375 n/a
760-779 -0.0625 -0.0625 0.1875 0.3125 0.4375 0.5625 n/a740-759 -0.0625 0.0625 0.2500 0.3750 0.5000 0.6875 n/a720-739 -0.0625 0.0625 0.3125 0.4375 0.6875 0.9375 n/a700-719 -0.0625 0.1250 0.4375 0.6250 0.8750 1.3125 n/a680-699 n/a n/a n/a n/a n/a n/a n/a
Miscellaneous<=50.00% 50.01-55% 55.01-60% 60.01-65% 65.01-70.00%70.01-75.00%75.01-80.00%
2nd home 0.0000 0.1250 0.1875 0.3125 0.3750 0.4375 n/a2-4 untis 0.2500 0.3750 0.7500 1.0000 1.5000 2.0000 3.0000Condo 0.0000 0.0000 0.0625 0.1250 0.1250 0.1250 0.1250
DTI >40% n/a n/a n/a n/a n/a n/a n/aApplicable to ARM loan Purchase, R/T, and Cash out* Loan amount change $45,001-$75,000 0.125
* Loan amount change $75,000-$150,000 0.250 * Platinum 30 yr Fixed Rate*Escrow wavier( excluding Ca, NC, DC, and NY) 0.125 * Platinum 15 yr Fixed Rate*Purchase Special on Purchase and R/T only -0.125 * Platinum 10/1 ARM, 7/1 ARM, 5/1 ARM
*Loans Amount > $2M 0.500 * Loans >$2M - $3M
* Loans >$3M - $4M
* Loans >$4M - $5MProperty Type Property Type* Condos w/LTV 70.01-75% 0.250 * Condos w/LTV 70.01-75%
* Condos w/LTV 70.01-75% 0.375 * Condos w/LTV 70.01-75%
* 2 Unit Properties w/LTV 0-60% 0.250 * 2 Unit Properties w/LTV 0-60%
* 2 Unit Properties w/LTV 60.01-65% 0.375 * 2 Unit Properties w/LTV 60.01-65%
* 2 Unit Properties w/LTV 65.01-70% 0.500 * 2 Unit Properties w/LTV 65.01-70%
Amount <=50 55.01-60 60.01-65 65.01-70 Amount <=50 55.01-60 60.01-65 65.01-70
$510,401-$650,000 (Fixed 30 Year); $200,000-$650,000 (Fixed 10 & 15 Year) 0.375 N/A N/A N/A $200K-$650K 0.375 N/A N/A N/A
$650K<$850K 0.375 N/A N/A N/A $650K-$850K 0.375 N/A N/A N/A
$850K-$1M 0.375 N/A N/A N/A $850K-$1M 0.375 N/A N/A N/A
Amount <=55 55.01-60 60.01-65 65.01-70 70-01-75 Amount <=55 55.01-60 60.01-65 65.01-70 70-01-75
< $1.5M 0.000 0.125 0.250 0.250 N/A $200,000-$1,500,000 0.000 0.125 0.250 0.250 N/A
$1.5M< $2M 0.000 0.125 0.250 0.250 N/A $1.5M< $2M 0.000 0.125 0.250 0.250 N/A$2M< $2.5M 0.000 0.125 0.250 N/A N/A $2M< $2.5M 0.000 0.125 0.250 N/A N/A
$2.5M<3M 0.000 0.125 0.250 N/A N/A $2.5M<3M 0.000 0.125 0.250 N/A N/A
Cashout Refinance Loan Amount
Amount <=55 55.01-60 60.01-65 65.01-70 >75.00 Amount <=55 55.01-60 60.01-65 65.01-70 70-01-75$510,401-$1,000,000 (Fixed 30 Year); $200,000-$1,000,000 (Fixed 10 & 15 Year)0.125 0.125 0.375 0.625 N/A $200K<$1M 0.125 0.125 0.375 0.625 N/A
$1M<$1.5M 0.125 0.125 0.375 0.625 N/A $1M<$1.5M 0.125 0.125 0.375 0.625 N/A$1.5<$2.0M 0.125 0.125 0.375 0.625 N/A $1.5<$2.0M 0.125 0.125 0.375 0.625 N/A
$2.0M<$3.0M 0.125 0.125 0.375 0.625 N/A $2.0M<$5.0M 0.125 0.125 0.375 0.625 N/A
* CLTV >80% 0.250 * CLTV >80%
High LTV ARM 80.01-85.00 FICO <=55.00% 55.01-60.00%60.01-65.00%65.01-70.00% 70.01-75.00% High LTV ARM 85.01-89.90>=760 -0.625 -0.625 -0.250 0.000 0.000
740-759 -0.500 -0.375 -0.125 0.000 0.000720-739 0.000 0.000 0.000 0.000 0.000 FICO <=55.00% 55.01-60.00% 60.01-65.00% 65.01-70.00% 70.01-75%<=719 0.250 0.250 0.250 0.500 0.625 >=760 -0.625 -0.500 -0.375 -0.250 -0.125
740-759 -0.500 -0.375 -0.250 -0.125 0.000720-739 -0.375 -0.250 -0.125 -0.125 0.000<=719 0.000 0.000 0.000 0.125 0.250
FICO <=70.00% 70.01-80.00% 80.01-85.00% 85.01-90.00% >90%>=760 0.000 0.125 0.375 0.500 0.625
740-759 0.125 0.250 0.375 0.625 0.875720-739 0.250 0.500 0.750 1.000 1.375701-719 0.500 0.750 1.000 1.375 N/A
700 0.750 1.000 1.375 1.750 N/A
* Emerald Fixed Rate* Emerald ARMs
Rate
Maximum Rebate/Price Cap
0.000 LTV/CLTV (%)0.5001.250
Medical Professional Program only (LPMI Adds included in the below adjusts, all other ARM adds do not apply)
LTV/CLTV (%)
Miscellaneous
Credit Score High LTV ARM rate adjustmentsLTV/CLTV (%)
>75.00%0.000 Credit Score
70-01-75N/AN/AN/AN/A
Miscellaneous
N/A
N/AN/A
N/A
Cashout Refinance Loan AmountLTV/CLTV(%) LTV/CLTV(%)
Second Home Loan Amount Second Home Loan AmountLTV/CLTV(%) LTV/CLTV(%)
75.01-80
Loan Amount Loan Amount
Investment Loan Amount Investment Loan AmountLTV/CLTV(%) LTV/CLTV(%)
Monday, April 6, 2020 Retail Rates effective until 5:00 pm PDT (In an occurrence of a Price Change, Notification will be sent)
JUMBO PRICE ADJUSTMENTS
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Platinum Jumbo Price Adjustments
Maximum Rebate/Price Cap
Emerald Jumbo Price AdjustmentsApplicable to Fixed Rate Loans Applicable to ARM Loans
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LTV/FICO Purch 30/25/20 <=55% >55.01-60% >60.01-65% 65.01-70% 70.01-75% 75.01-80% 80.01-85% 85.01-90% 2-4 Unit CLTV 680-699 N/A N/A N/A N/A N/A N/A N/A N/A 2-4 Unit CLTV >75.00 <=80.00% N/A
700-719 (0.750) (0.625) (0.375) (0.250) 0.500 0.875 N/A N/A 2-4 Unit CLTV >70.00 <=75.00% 0.250
720-739 (0.875) (0.750) (0.500) (0.500) (0.250) 0.250 N/A N/A 2-4 Unit CLTV >65.00 <=70.00% 0.250
740-759 (0.875) (0.750) (0.500) (0.500) (0.250) 0.000 N/A N/A 2-4 Unit CLTV >60.00 <=65.00% 0.125
760-779 (0.875) (0.750) (0.625) (0.625) (0.375) (0.125) N/A N/A 2-4 Unit CLTV >55.00 <=60.00% 0.125780-799 (0.875) (0.875) (0.750) (0.625) (0.500) (0.250) N/A N/A 2-4 Unit CLTV <=55.00% 0.125
>800 (0.875) (0.875) (0.750) (0.625) (0.500) (0.250) N/A N/A OccupancyNOO CLTV >75.00 <=80.00% N/A
LTV/FICO R/T 30/25/20 <=55% >55.01-60% >60.01-65% 65.01-70% 70.01-75% 75.01-80% 80.01-85% 85.01-90% NOO CLTV >70.00 <=75.00% N/A
680-699 N/A N/A N/A N/A N/A N/A N/A N/A NOO CLTV >65.00 <=70.00% N/A
700-719 (0.375) (0.250) (0.125) 0.000 0.750 1.125 N/A N/A NOO CLTV >60.00 <=65.00% N/A
720-739 (0.500) (0.375) (0.250) (0.250) 0.000 0.500 N/A N/A NOO CLTV >55.00 <=60.00% N/A
740-759 (0.500) (0.375) (0.250) (0.250) 0.000 0.250 N/A N/A NOO CLTV <=55.00% N/A760-779 (0.500) (0.375) (0.375) (0.375) (0.125) 0.125 N/A N/A Loan Amount780-799 (0.500) (0.500) (0.500) (0.375) (0.250) 0.000 N/A N/A >1.5M <=3.0M 0.125
>800 (0.500) (0.500) (0.500) (0.375) (0.250) 0.000 N/A N/A Miscellaneous20 yr fixed-use 30 yr price (0.375)
LTV/FICO Cash Out 30/25/20 <=55% >55.01-60% >60.01-65% 65.01-70% 70.01-75% 75.01-80% 10 yr fixed-use 15 yr price (0.500)
680-699 N/A N/A N/A N/A N/A N/A Escrow Waiver 0.125
700-719 N/A N/A N/A N/A N/A N/A CA - All Cash Out >60% LTV N/A
720-739 N/A N/A N/A N/A N/A N/A CA - San Benito, Santa Clara County Cash Out >70% LTV N/A
740-759 N/A N/A N/A N/A N/A N/A FL - Miami-Dade County Cash Out N/A
760-779 N/A N/A N/A N/A N/A N/A Sub Financing LTV<=80% and CLTV >80% N/A780-799 N/A N/A N/A N/A N/A N/A Non-QM Doc Feature and DTI <=43%
>800 N/A N/A N/A N/A N/A N/A FICO >= 720 and LTV <= 80% 0.250
FICO >= 720 and LTV > 80% 1.000
LTV/FICO Purch 15/10 Yr Fixed <=55% >55.01-60% >60.01-65% 65.01-70% 70.01-75% 75.01-80% 80.01-85% 85.01-90% FICO < 720 1.000
680-699 N/A N/A N/A N/A N/A N/A N/A N/A
700-719 (0.750) (0.625) (0.375) (0.250) 0.500 0.875 N/A N/A
720-739 (0.875) (0.750) (0.500) (0.500) (0.250) 0.250 N/A N/A
740-759 (0.875) (0.750) (0.500) (0.500) (0.250) 0.000 N/A N/A
760-779 (0.875) (0.750) (0.625) (0.625) (0.375) (0.125) N/A N/A
780-799 (0.875) (0.875) (0.750) (0.625) (0.500) (0.250) N/A N/A
>800 (0.875) (0.875) (0.750) (0.625) (0.500) (0.250) N/A N/A
LTV/FICO R/T 15/10 Yr Fixed <=55% >55.01-60% >60.01-65% 65.01-70% 70.01-75% 75.01-80% 80.01-85% 85.01-90%
680-699 N/A N/A N/A N/A N/A N/A N/A N/A
700-719 (0.375) (0.250) (0.125) 0.000 0.750 1.125 N/A N/A
720-739 (0.500) (0.375) (0.250) (0.250) 0.000 0.500 N/A N/A
740-759 (0.500) (0.375) (0.250) (0.250) 0.000 0.250 N/A N/A
760-779 (0.500) (0.375) (0.375) (0.375) (0.125) 0.125 N/A N/A
780-799 (0.500) (0.500) (0.500) (0.375) (0.250) 0.000 N/A N/A
>800 (0.500) (0.500) (0.500) (0.375) (0.250) 0.000 N/A N/A
LTV/FICO Cash Out 15/10 <=55% >55.01-60% >60.01-65% 65.01-70% 70.01-75% 75.01-80%
680-699 N/A N/A N/A N/A N/A N/A
700-719 N/A N/A N/A N/A N/A N/A720-739 N/A N/A N/A N/A N/A N/A
740-759 N/A N/A N/A N/A N/A N/A
760-779 N/A N/A N/A N/A N/A N/A *Gold Jumbo Fixed (Ln Amt <=$800k) 100.750
780-799 N/A N/A N/A N/A N/A N/A *Gold Jumbo Fixed (Ln Amt >$800k) 100.250
>800 N/A N/A N/A N/A N/A N/A
LTV/FICO Purch <=55% >55.01-60% >60.01-65% 65.01-70% 70.01-75% 75.01-80% 80.01-85% 85.01-90% 2-4 Unit CLTV 680-699 N/A N/A N/A N/A N/A N/A N/A N/A 2-4 Unit CLTV >75.00 <=80.00% N/A
700-719 (0.750) (0.625) (0.375) (0.250) 0.500 0.875 N/A N/A 2-4 Unit CLTV >70.00 <=75.00% 0.250
720-739 (0.875) (0.750) (0.500) (0.500) (0.250) 0.250 N/A N/A 2-4 Unit CLTV >65.00 <=70.00% 0.250
740-759 (0.875) (0.750) (0.500) (0.500) (0.250) 0.000 N/A N/A 2-4 Unit CLTV >60.00 <=65.00% 0.125
760-779 (0.875) (0.750) (0.625) (0.625) (0.375) (0.125) N/A N/A 2-4 Unit CLTV >55.00 <=60.00% 0.125
780-799 (0.875) (0.875) (0.750) (0.625) (0.500) (0.250) N/A N/A 2-4 Unit CLTV <=55.00% 0.125
>800 (0.875) (0.875) (0.750) (0.625) (0.500) (0.250) N/A N/A OccupancyNOO CLTV >75.00 <=80.00% N/A
LTV/FICO R/T <=55% >55.01-60% >60.01-65% 65.01-70% 70.01-75% 75.01-80% 80.01-85% 85.01-90% NOO CLTV >70.00 <=75.00% N/A
680-699 N/A N/A N/A N/A N/A N/A N/A N/A NOO CLTV >65.00 <=70.00% N/A
700-719 (0.375) (0.250) (0.125) 0.000 0.750 1.125 N/A N/A NOO CLTV >60.00 <=65.00% N/A
720-739 (0.500) (0.375) (0.250) (0.250) 0.000 0.500 N/A N/A NOO CLTV >55.00 <=60.00% N/A
740-759 (0.500) (0.375) (0.250) (0.250) 0.000 0.250 N/A N/A NOO CLTV <=55.00% N/A
760-779 (0.500) (0.375) (0.375) (0.375) (0.125) 0.125 N/A N/A Miscellaneous780-799 (0.500) (0.500) (0.500) (0.375) (0.250) 0.000 N/A N/A Escrow Waiver 0.125
>800 (0.500) (0.500) (0.500) (0.375) (0.250) 0.000 N/A N/A CA - All Cash Out >60% LTV N/A
CA - San Benito, Santa Clara County Cash Out >70% LTV N/A
LTV/FICO Cash Out <=55% >55.01-60% >60.01-65% 65.01-70% 70.01-75% 75.01-80% FL - Miami-Dade County Cash Out N/A
680-699 N/A N/A N/A N/A N/A N/A Sub Financing LTV<=80% and CLTV >80% N/A
700-719 N/A N/A N/A N/A N/A N/A
720-739 N/A N/A N/A N/A N/A N/A Non-QM Doc Feature and DTI <=43%740-759 N/A N/A N/A N/A N/A N/A FICO >= 720 and LTV <= 80% 0.250
760-779 N/A N/A N/A N/A N/A N/A FICO >= 720 and LTV > 80% 1.000
780-799 N/A N/A N/A N/A N/A N/A FICO < 720 1.000>800 N/A N/A N/A N/A N/A N/A
(Price cap is after all LLPAs but before Lender Paid Comp)
*Gold Jumbo 5/1 & 7/1 ARM Interest Only 100.250
*Gold Jumbo 5/1 & 7/1 ARM (Non Interest only) 100.250
*Gold Jumbo 10/1 ARM Interest Only & Ln Amt <=$800k100.750
*Gold Jumbo 10/1 ARM Interest Only & Ln Amt >$800k100.250
*Gold Jumbo 10/1 ARM (Non IO) & Ln Amt <=$800k 100.750
*Gold Jumbo 10/1 ARM (Non-IO) & Ln Amt >$800k 100.250
Rate Sheet: RTL-2003
Maximum Rebate/Price Cap
Gold ARMs Adjustments
LTV (%) Applicable To: All Gold ARM Products
LTV (%)
LTV (%)
LTV (%)
LTV (%)
LTV (%)
LTV (%)
Maximum Rebate/Price Cap(Price cap is after all LLPAs but before Lender Paid Comp)
Monday, April 6, 2020 Retail AFS/LCL Rates effective until 5:00 pm PDT (In an occurrence of a Price Change, Notification will be sent)
GOLD PRICE ADJUSTMENTS
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Gold Fixed Adjustments
LTV (%) Applicable To: All Gold Fixed Products
LTV (%)
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