whls rate sheet - fremont bank | california | mortgage | personal

Wholesale Rate Sheet

Rates as of

Announcements - Weekly Turn Times - Effective for Dec 31 - Jan 4Portfolio 5/1 - reduced base rates 1/8th on Jan 3rd Cutoff Dates: Last Day For Closing This Month Cutoff Date

Portfolio 7/1 - reduced base rates 1/2 on Jan 3rd Last day to acknowledge CD (refi)

Last day to sign to fund and record (refi)

Loan Registration Turn Times

Specials - Extending Jan 1- Jan 31st Purchase 48 - 72 hours

30 Yr Conforming Fixed Purchase + 0.375 Refinance 48 - 72 hours

30 Yr High Bal Fixed Cash Out + 0.75 Underwriting Turn Times Turn Times

The cash out special only applies to primary/second homes - NOO not eligible Purchase Transactions: Initial u/w * Condition u/w

30 Yr High Bal Fixed Purchase + 0.375 Conventional 48 hrs 48 hrs

High Bal Specials not eligible for Home Ready Jumbo Gold 72 hrs 48 - 72 hrs

Important Info Regarding PIW's Jumbo Port 406 & 407 72 hrs 48 - 72 hrs

*PIW only eligible on conforming FNMA (GOLD) programs FHA purchase 24 - 48 hrs 24 - 48 hrs

*Full appraisal needed even if DU allows PIW on FNMA (GOLD) High Bal

Rate Sheet Index Refinance Transactions: Initial u/w * Condition u/w

FNMA (Gold) Pg. 2 Conventional 72 - 96 hrs 48 - 72 hrs

FNMA (Gold) LLPA's Pg. 3 Jumbo Gold 72 - 96 hrs 48 - 72 hrs

FHLMC (Standard) Pg. 4 Jumbo Port 406 & 407 72 - 96 hrs 48 - 72 hrs

FHLMC (Standard) LLPA's Pg. 5 FHA refi/streamline 72 - 96 hrs 48 - 72 hrs

Gold Jumbo Fixed, ARM's, 90, & Plus Pg. 6 * Condition u/w includes processing time!

Gold Jumbo LLPA's Pg. 7 Loans in NOI status: condition / re-underwrite review: 4-5 days (purchase and refi)

FHA Pg. 8

Jumbo Portfolio 5/1 & 7/1 Arm Pg. 9

Home Equity Line of Credit Pg. 10 Docs & Funding Turn Times

HELOC 360 Pg. 11 Docs 24 hours purch/24 - 48 hours refi

AE Contact Info Pg. 12 Funding 24 - 48 hours

Lock Extension Fees & Notes: Submissions Desk: [email protected] Lock Desk: [email protected]

Minimum Loan amount $125,000 for all terms and products MORRIS Support: [email protected] MORRIS Phone: 844-766-7747

Max broker compensation cannot exceed $22,000 per transaction Fremont Bank Website

GOLD & Standard: 1st extension 0.015/day - 20 day max; 2nd extension is 0.03/day - 10 day max; Max 2 extensions Same Day Submission cutoff time is 2:00PM PST.

Send request on lock form to [email protected] before 4:00PM PT on day of expiration. Signed Documents sent back to Livermore Loan Center

All Jumbo extensions: 5 days + 0.10; 10 days + 0.20; 15 days + 0.30; 20 days +0.40; 30 days (MAX) 0.60 2580B Shea Center Drive, Livermore, CA 94551

Gold Jumbo extension: Submit lock extension request before 4:00PM PT on day of expiration.

No relocks allowed on any JUMBO program. Gold Jumbo cutoff time 4:00PM for new locks

All Jumbo locks must be credit approved to lock with the exception of Purchase (allow Advance Locks) Lender Origination fees for LE: Delivery Fee $ 25, Document

Preparation Fee $ 125, Underwriting Fee $800 = $ 950

All FHA extensions: 0.02/day - 30 day max. Min extension is 5 days.

All FHA relocks: 36bps/ 15days; 66bps/ 30days - 30 day max. FHA Origination Fees for LE: Delivery Fee $ 25, Document

Jumbo Port 5/1 & 7/1 program 406/407 Lock Eligibility: Preparation Fee $ 50, Underwriting Fee $ 395 = $ 470

Loans that fit guidelines and are < $1M are lock eligible upon receipt of file submission. * Section B of LE: Flood $5.25, Tax $60 (Tax N/A for FHA)

Loans > $1M or loans that require a guideline exception must have an 'Approval to Process' to be lock eligible

Jumbo Port 5/1 & 7/1 Extensions: 7 days + 0.125; 15 days + 0.25; Max 15 days

FNMA - Gold Only (Niche) Scenarios: Loss Payee Clause: CPL: Fremont Bank

* Using 2nd job income @ job < 2 Yrs but > 1 Yr with compensating factors Fremont Bank 2580 Shea Center Drive

* C5 appraisal condition rating ISAOA, ITS SUCCESSORS OR ASSIGNEES Livermore Ca 94551

* > 6 financed properties when subject is investment or 2nd home P.O. Box 7295

* PIW only eligible on conforming FNMA (GOLD) programs; HB not allowed, even if DU allows. Fremont, CA 94537-7295

FHLMC - Standard Only (Niche) Scenarios:

* Unpermitted Accessory Unit * Debt to be paid off to qualify that cannot be closed For rate lock policy click on: Lock Policy

* DTI > 45% + LP Approval For underwriting guidelines click on: Guidelines

Pricing subject to change without notice - NO OFF SHEET PRICING

Intended for approved Mortgage Brokers use only and not for consumer use or for public distribution. The terms and programs are subject to change without notice.

Please refer to our website or contact us for current information.

1/4/19 8:47 AM

Wednesday, January 23, 2019

Monday, January 28, 2019

1 Announcements

mailto:[email protected]


https://www.fremontbank.com/wholesale

https://onlineapps.fremontbank.com/Affiliates/Policies.aspx

https://onlineapps.fremontbank.com/Affiliates/Guidelines.aspx

Rates as of

FNMA (GOLD): Conforming & High Balance Fixed Rate First Mortgages - DU only underwritingMORRIS Plan 113 MORRIS Plan 114

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

4.250 (0.997) (0.877) (0.837) 4.000 (0.512) (0.392) (0.352)

4.375 (1.482) (1.362) (1.322) 4.125 (1.086) (0.966) (0.936)

4.500 (1.744) (1.624) (1.584) 4.250 (1.563) (1.443) (1.403)

4.625 (2.373) (2.253) (2.213) 4.375 (1.988) (1.868) (1.828)

4.750 (3.009) (2.889) (2.849) 4.500 (2.541) (2.421) (2.381)

4.875 (3.652) (3.532) (3.502) 4.625 (3.051) (2.931) (2.891)

4.990 (3.503) (3.383) (3.343) 4.750 (3.598) (3.478) (3.438)

5.000 (3.603) (3.483) (3.443) 4.875 (4.183) (4.063) (4.033)

5.125 (3.891) (3.771) (3.731) 5.000 (3.906) (3.786) (3.746)

5.250 (4.375) (4.255) (4.215) 5.125 (4.230) (4.110) (4.070)

5.375 (4.598) (4.478) (4.438) 5.250 (4.587) (4.467) (4.427)

5.500 (4.736) (4.626) (4.586) 5.375 (4.846) (4.726) (4.686)

5.625 (5.051) (4.931) (4.891) 5.500 (4.937) (4.817) (4.777)

5.750 (5.501) (5.381) (5.341)

MORRIS Plan 115 MORRIS Plan 116

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

3.250 0.795 0.915 0.955 3.250 0.455 0.575 0.615

3.375 0.319 0.439 0.479 3.375 0.099 0.219 0.259

3.500 (0.156) (0.036) (0.006) 3.500 (0.238) (0.118) (0.078)

3.625 (0.678) (0.558) (0.518) 3.625 (0.564) (0.444) (0.404)

3.750 (0.947) (0.827) (0.787) 3.750 (1.035) (0.915) (0.875)

3.875 (1.283) (1.163) (1.123) 3.875 (1.345) (1.225) (1.185)

4.000 (1.698) (1.578) (1.538) 4.000 (1.644) (1.524) (1.484)

4.125 (2.117) (1.997) (1.957) 4.125 (1.893) (1.773) (1.733)

4.250 (2.657) (2.537) (2.497) 4.250 (2.131) (2.011) (1.971)

4.375 (2.804) (2.684) (2.654) 4.375 (2.251) (2.141) (2.101)

4.500 (2.747) (2.627) (2.587) 4.500 (2.528) (2.408) (2.368)

4.625 (3.146) (3.026) (2.986) 4.625 (2.745) (2.625) (2.585)

4.750 (3.400) (3.280) (3.240) 4.750 (2.971) (2.851) (2.811)



4.125 0.120 0.240 0.280 3.250 1.469 1.579 1.619

4.250 (0.737) (0.617) (0.577) 3.375 1.043 1.163 1.203

4.375 (1.322) (1.212) (1.172) 3.500 0.609 0.729 0.769

4.500 (1.404) (1.284) (1.244) 3.625 0.237 0.347 0.387

4.625 (1.903) (1.783) (1.743) 3.750 0.038 0.158 0.198

4.750 (2.499) (2.379) (2.339) 3.875 (0.049) 0.072 0.112

4.875 (2.972) (2.852) (2.812) 4.000 (0.184) (0.064) (0.034)

5.000 (3.303) (3.183) (3.143) 4.125 (0.533) (0.413) (0.373)

5.125 (3.271) (3.161) (3.121) 4.250 (0.893) (0.773) (0.733)

5.250 (3.585) (3.465) (3.425) 4.375 (0.990) (0.870) (0.830)

5.375 (3.868) (3.758) (3.718) 4.500 (1.013) (0.893) (0.853)

5.500 (4.006) (3.886) (3.846) 4.625 (1.332) (1.222) (1.182)

5.625 (4.061) (3.941) (3.901) 4.750 (1.496) (1.376) (1.336)5.750 (4.311) (4.191) (4.151)5.875 (4.709) (4.589) (4.559)



1/4/19 8:47 AM

15 Year Fixed Rate Conf




15 Year High Balance Fixed Rate 30 Year High Balance Fixed Rate

2 (FNMA) Gold

Rates as of

FNMA (GOLD): Conforming & High Balance LLPA's - DU only underwriting

<= 60% 60.01 - 70% 70.01 - 75% 75.01 - 80% 80.01 - 85% 85.01 - 90% 90.01 - 95%

> 740 0.000 0.250 0.250 0.500 0.250 0.250 0.250

720 - 739 0.000 0.250 0.500 0.750 0.500 0.500 0.500

700 - 719 0.000 0.500 1.000 1.250 1.000 1.000 1.000

680 - 699 0.000 0.500 1.250 1.750 1.500 1.250 1.250

660 - 679 0.000 1.000 2.250 2.750 2.750 2.250 2.250

640 - 659 0.500 1.250 2.750 3.000 3.250 2.750 2.750

620 - 639 0.500 1.500 3.000 3.000 3.250 3.250 3.250

< 620 * 0.500 1.500 3.000 3.000 3.250 3.250 3.250

FICO / LTV <= 60% 60.01 - 70% 70.01 - 75% 75.01 - 80% 80.01 - 85% 85.01 - 90% 90.01 - 95%

> 740 0.375 0.625 0.625 0.875 N/A N/A N/A

720 - 739 0.375 1.000 1.000 1.125 N/A N/A N/A

700 - 719 0.375 1.000 1.000 1.125 N/A N/A N/A

680 - 699 0.375 1.125 1.125 1.750 N/A N/A N/A

660 - 679 0.625 1.125 1.125 1.875 N/A N/A N/A

640 - 659 0.625 1.625 1.625 2.625 N/A N/A N/A

620 - 639 0.625 1.625 1.625 3.125 N/A N/A N/A

< 620 * 1.625 2.625 2.625 3.125 N/A N/A N/A

Product Feature/ LTV <= 60% 60.01 - 70% 70.01 - 75% 75.01 - 80% 80.01 - 85% 85.01 - 90% 90.01 - 95%

Conf. 30Yr FRM Purchase -0.375 -0.375 -0.375 -0.375 -0.375 -0.375 -0.375

High LTV 0.000 0.000 0.000 0.000 0.000 0.000 0.000

Investment Property 2.125 2.125 2.125 3.375 4.125 N/A N/A

> 4 Financed Props (a) 0.000 0.000 0.000 0.000 0.000 N/A N/A

2 - Unit 1.000 1.000 1.000 1.000 1.000 N/A N/A

3 - 4 Unit 1.000 1.000 1.000 N/A N/A N/A N/A

Condo w/ Term > 15 Year 0.000 0.000 0.000 0.750 0.750 0.750 0.750

(a) > 4 Financed Properties applicable to NOO subject prop only

Product Feature <= 60% 60.01 - 70% 70.01 - 75% 75.01 - 80% 80.01 - 85% 85.01 - 90% 90.01 - 95% Product Feature

High Bal FRM Refi 0.000 0.000 0.000 0.000 0.000 0.000 0.000 High Balance FRM Refi

High Bal FRM Cash Out (C/O) 0.750 0.750 0.750 0.750 N/A N/A N/A

High Bal 30 Yr FRM C/O Primary/Second -0.750 -0.750 -0.750 -0.750 N/A N/A N/A

High Bal FRM Purchase -0.375 -0.375 -0.375 -0.375 -0.375 -0.375 -0.375 High Balance FRM Purchase

High Balance FRM High LTV (2) 0.000 0.000 0.000 0.000 0.375 0.500 0.625

High Bal LLPA's are in addition to All Eligible Mortgage LLPA's above. High Bal specials don’t apply for HomeReady

(2) High Balance FRM High LTV - This LLPA applies to all purpose types over 80%

HomeReady -- Cumulative LLPA Caps

LTV > 80% and FICO ≥ 680

LTV CLTV * < 720 >= 720 All other LTV ratio/FICO's

< 65% 80.01 - 95% 0.500 0.250 * Pricing unavailable through MORRIS. Please contact your AE

65.01 - 75% 80.01 - 95% 0.750 0.500 * If the sum of all applicable LLPAs exceeds the caps listed above,

75.01 - 95% 90.01 - 95% 1.000 0.750 the excess will be waived. LPMI single premium Adj still apply

75.01 - 90% 75.01 - 90% 1.000 0.750

< 95% 95.01 - 97% 1.500 1.500

* LLPA's in this table are based on CLTV, which does NOT include the undrawn portion of a home equity line of credit. Other LTV/CLTV hits are cumulative

30 Year Fixed - HomeReady

Base LTV Coverage

FICO

760+

FICO

740-759

FICO

720-739

FICO

700-719

FICO

680-699

FICO

660-679

FICO

640-659

FICO

620-639

97% - 95.01% 25% 1.68% 2.27% 2.82% 3.32% 4.09% 5.36% 5.82% 6.35%

95% - 90.01% 25% 1.41% 1.91% 2.36% 2.74% 3.35% 4.37% 4.63% 4.93%

30 Year Fixed & ARM's > 5 Years

95% - 90.01% 30% 1.60% 2.22% 2.75% 3.21% 3.94% 5.16% 5.48% 5.83%

90% - 85.01% 25% 1.20% 1.68% 2.08% 2.49% 3.01% 4.06% 4.22% 4.42%

85% & Under 12% 0.59% 0.72% 0.83% 0.97% 1.13% 1.52% 1.57% 1.62%

< 20 Year Fixed - HomeReady

97% - 95.01% 25% 1.09% 1.43% 1.76% 2.05% 2.49% 3.19% 3.39% 3.62%

95% - 90.01% 25% 0.95% 1.24% 1.50% 1.74% 2.08% 2.66% 2.77% 2.91%

< 20 Year Fixed

95% - 90.01% 25% 0.95% 1.24% 1.50% 1.74% 2.08% 2.66% 2.77% 2.91%

90% - 85.01% 12% 0.59% 0.72% 0.84% 0.95% 1.10% 1.40% 1.43% 1.47%

85% & Under 6% 0.43% 0.47% 0.49% 0.53% 0.58% 0.69% 0.71% 0.72%

Premium AdjustmentsFICO

760+

FICO

740-759

FICO

720-739

FICO

700-719

FICO

680-699

FICO

660-679

FICO

640-659

FICO

620-639Rate/Term Refinance * 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

Cash Out 0.54% 0.60% 0.70% 0.85% 1.05% 1.50% 1.65% 1.80%

Second Home 0.36% 0.39% 0.49% 0.60% 0.70% 1.23% 1.27% 1.35%

3-4 Unit 1.02% 1.19% 1.33% 1.50% 1.75% 1.90% 2.00% 2.63%

Investment Property 1.02% 1.19% 1.33% 1.50% 1.75% 1.90% 2.00% 2.63%


1/4/19 8:47 AM

All mortgages with Subordinate Financing* 0.375

FICO scores

All Eligible Mortgage Cash Out Refis LLPAs for All Loans -- Add to Price

All Eligible Mortgage FICO & LTV LLPAs for loans with terms > than 15 yrs -- Add to Price

* A minimum required credit score of 620 applies to all mortgage loans delivered to FNMA in accordance with the Selling Guide.

All Eligible Mortgage LLPAs (excluding MCM) -- Apply to All Credit Scores -- Add to Price

Product Feature LLPA Caps

Additional LLPAs -- Apply to credit scores for High Balance FRM & ARM -- Add to Price - LTV

Mortgages with Subordinate Financing -- Add to Price

LPMI Single Premium Adjustments

0.000

1.500

3 (FNMA) Gold New LLPA

Rates as of

FHLMC (Standard): Conforming & High Balance Fixed First Mortgages - LP Only MORRIS Plan 210 MORRIS Plan 211 MORRIS Plan 212

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

4.250 (1.197) (1.077) (1.027) 4.000 (0.342) (0.212) (0.132) 3.250 0.745 0.835 0.855

4.375 (1.682) (1.562) (1.512) 4.125 (1.186) (1.056) (0.976) 3.375 0.279 0.359 0.379

4.500 (1.934) (1.824) (1.784) 4.250 (1.723) (1.593) (1.513) 3.500 (0.236) (0.136) (0.106)

4.625 (2.593) (2.453) (2.393) 4.375 (2.148) (2.018) (1.948) 3.625 (0.758) (0.658) (0.628)

4.750 (3.199) (3.069) (3.009) 4.500 (2.691) (2.571) (2.501) 3.750 (1.027) (0.927) (0.897)

4.875 (3.662) (3.532) (3.482) 4.625 (3.111) (2.971) (2.881) 3.875 (1.363) (1.263) (1.253)

4.990 (3.713) (3.583) (3.553) 4.750 (3.578) (3.438) (3.348) 4.000 (1.798) (1.678) (1.618)

5.000 (3.813) (3.683) (3.653) 4.875 (4.053) (3.913) (3.833) 4.125 (2.217) (2.097) (2.047)

5.125 (4.111) (3.971) (3.921) 5.000 (4.066) (3.936) (3.856) 4.250 (2.507) (2.387) (2.337)

5.250 (4.595) (4.455) (4.415) 5.125 (4.290) (4.130) (4.030) 4.375 (2.744) (2.624) (2.574)

5.375 (4.818) (4.678) (4.648) 5.250 (4.597) (4.447) (4.347) 4.500 (2.837) (2.707) (2.657)

5.500 (4.966) (4.826) (4.786) 5.375 (4.806) (4.656) (4.556) 4.625 (3.136) (3.006) (2.956)

5.625 (5.291) (5.131) (5.061) 5.500 (5.007) (4.857) (4.767) 4.750 (3.250) (3.120) (3.080)

5.750 (5.591) (5.431) (5.371)



4.125 0.170 0.290 0.330 3.250 1.469 1.579 1.619

4.250 (0.687) (0.567) (0.527) 3.375 1.043 1.163 1.203

4.375 (1.272) (1.162) (1.122) 3.500 0.609 0.729 0.769

4.500 (1.354) (1.234) (1.194) 3.625 0.237 0.347 0.387

4.625 (1.853) (1.733) (1.693) 3.750 0.038 0.158 0.198

4.750 (2.449) (2.329) (2.289) 3.875 (0.049) 0.072 0.112

4.875 (2.922) (2.802) (2.762) 4.000 (0.184) (0.064) (0.034)

5.000 (3.253) (3.133) (3.093) 4.125 (0.533) (0.413) (0.373)

5.125 (3.221) (3.111) (3.071) 4.250 (0.893) (0.773) (0.733)

5.250 (3.535) (3.415) (3.375) 4.375 (0.990) (0.870) (0.830)

5.375 (3.818) (3.708) (3.668) 4.500 (1.013) (0.893) (0.853)

5.500 (3.956) (3.836) (3.796) 4.625 (1.332) (1.222) (1.182)

5.625 (4.011) (3.891) (3.851) 4.750 (1.496) (1.376) (1.336)

5.750 (4.261) (4.141) (4.101)

5.875 (4.659) (4.539) (4.509)

FHLMC (Standard): Conforming & High Balance ARM's - LP Only

MORRIS Plan 273 MORRIS Plan 274 MORRIS Plan 275

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

3.500 1.210 1.335 1.460 3.500 1.460 1.585 1.710 3.750 2.280 2.405 2.530

3.625 0.830 0.955 1.080 3.625 1.000 1.125 1.250 3.875 1.780 1.905 2.030

3.750 0.410 0.535 0.660 3.750 0.510 0.635 0.760 4.000 1.180 1.305 1.430

3.875 0.090 0.215 0.340 3.875 0.100 0.225 0.350 4.125 0.780 0.905 1.030

4.000 (0.260) (0.135) (0.010) 4.000 (0.410) (0.285) (0.160) 4.250 0.360 0.485 0.610

4.125 (0.580) (0.455) (0.330) 4.125 (0.740) (0.615) (0.490) 4.375 (0.010) 0.115 0.240

4.250 (0.960) (0.835) (0.710) 4.250 (1.050) (0.925) (0.800) 4.500 (0.590) (0.465) (0.340)

4.375 (1.220) (1.095) (0.970) 4.375 (1.370) (1.245) (1.120) 4.625 (0.750) (0.625) (0.500) 4.500 (1.570) (1.445) (1.320) 4.500 (1.850) (1.725) (1.600) 4.750 (0.900) (0.775) (0.650)

4.625 (1.730) (1.605) (1.480) 4.625 (2.010) (1.885) (1.760) 4.875 (1.060) (0.935) (0.810)

4.750 (1.890) (1.765) (1.640) 4.750 (2.170) (2.045) (1.920) 5.000 (1.220) (1.095) (0.970)



3.500 2.210 2.335 2.460 3.375 2.900 3.025 3.150 3.625 3.800 3.925 4.050

3.625 1.830 1.955 2.080 3.500 2.460 2.585 2.710 3.750 3.280 3.405 3.530

3.750 1.410 1.535 1.660 3.625 2.000 2.125 2.250 3.875 2.780 2.905 3.030

3.875 1.090 1.215 1.340 3.750 1.510 1.635 1.760 4.000 2.180 2.305 2.430

4.000 0.750 0.875 1.000 3.875 1.100 1.225 1.350 4.125 1.780 1.905 2.030

4.125 0.430 0.555 0.680 4.000 0.600 0.725 0.850 4.250 1.360 1.485 1.610

4.250 0.050 0.175 0.300 4.125 0.280 0.405 0.530 4.375 0.990 1.115 1.240

4.375 (0.210) (0.085) 0.040 4.250 (0.050) 0.075 0.200 4.500 0.420 0.545 0.670

4.500 (0.570) (0.445) (0.320) 4.375 (0.380) (0.255) (0.130) 4.625 0.260 0.385 0.510

4.625 (0.730) (0.605) (0.480) 4.500 (0.850) (0.725) (0.600) 4.750 0.110 0.235 0.360

4.750 (0.890) (0.765) (0.640) 4.625 (1.010) (0.885) (0.760) 4.875 (0.050) 0.075 0.200

Intended for approved Mortgage Brokers use only and not for consumer use or for public distribution. The terms and programs are subject to change without notice. Please refer to our website or contact us for current information.


30 Year High Balance Fixed Rate 15 Year High Balance Fixed Rate

30 Year Fixed Rate Conf 20 Year Fixed Rate Conf

1/4/19 8:47 AM

10/1 LIBOR ARM Conf

Margin 2.250 - Caps 5/2/5

5/1 LIBOR ARM HB Margin

2.250 - Caps 2/2/5

7/1 LIBOR ARM HB


10/1 LIBOR ARM HB


1 Yr Libor 3.00500%

5/1 LIBOR ARM Conf


7/1 LIBOR ARM Conf


4 (FHLMC) Standard

Rates as of

FHLMC (Standard): Conforming & High Balance LLPA's - LP OnlyARM's - Maximum number of financed properties (including the subject) for SH & INV 7/1 & 10/1 ARMs is six (6), 5/1 ARM maximum is limited to one (1)

LTV/FICO <= 60% 60.01 - 70% 70.01 - 75% 75.01 - 80% 80.01 - 85% 85.01 - 90% 90.01 - 95%

> 740 0.000 0.250 0.250 0.500 0.250 0.250 0.250

720 - 739 0.000 0.250 0.500 0.750 0.500 0.500 0.500

700 - 719 0.000 0.500 1.000 1.250 1.000 1.000 1.000

680 - 699 0.000 0.500 1.250 1.750 1.500 1.250 1.250

660 - 679 0.000 1.000 2.250 2.750 2.750 2.250 2.250

640 - 659 0.500 1.250 2.750 3.000 3.250 2.750 2.750

620 - 639 0.500 1.500 3.000 3.000 3.250 3.250 3.250

< 620 * 0.500 1.500 3.000 3.000 3.250 3.250 3.250

Cash Out Refis LLPAs for all Loans -- Add to Price

FICO / LTV <= 60% 60.01 - 70% 70.01 - 75% 75.01 - 80% 80.01 - 85% 85.01 - 90% 90.01 - 95%

> 740 0.375 0.625 0.625 0.875 N/A N/A N/A

720 - 739 0.375 1.000 1.000 1.125 N/A N/A N/A

700 - 719 0.375 1.000 1.000 1.125 N/A N/A N/A

680 - 699 0.375 1.125 1.125 1.750 N/A N/A N/A

660 - 679 0.625 1.125 1.125 1.875 N/A N/A N/A

640 - 659 0.625 1.625 1.625 2.625 N/A N/A N/A

620 - 639 0.625 1.625 1.625 3.125 N/A N/A N/A

< 620 * 1.625 2.625 2.625 3.125 N/A N/A N/A

Additional LLPAs -- Apply to All Credit Scores -- Add to Price

Product Feature / LTV <= 60% 60.01-70 70.01 - 75% 75.01 - 80% 80.01 - 85% 85.01 - 90% 90.01 - 95%

Conf 30 Yr Purchase Special -0.375 -0.375 -0.375 -0.375 -0.375 -0.375 -0.375

ARM 0.000 0.000 0.000 0.000 0.000 0.000 0.250

Condo w/ Term > 15 Year 0.000 0.000 0.000 0.750 0.750 0.750 0.750

Investment Property 2.125 2.125 2.125 3.375 4.125 N/A N/A

> 4 Financed Prop (a) 0.000 0.000 0.000 0.000 0.000 N/A N/A

2-Unit 1.000 1.000 1.000 1.000 N/A N/A N/A

3-4 Unit 1.000 1.000 1.000 1.000 N/A N/A N/A

Additional LLPAs -- Apply to credit scores for High Balance FRM & ARM -- Add to Price - LTV

Product Feature <= 60% 60.01-70 70.01 - 75% 75.01 - 80% 80.01 - 85% 85.01 - 90% 90.01 - 95%

High Bal FRM Refi 0.000 0.000 0.000 0.000 0.000 0.000 0.000

High Bal FRM Cash Out (C/O) 0.750 0.750 0.750 0.750 N/A N/A N/A

High Bal 30 Yr FRM C/O Primary/Second -0.750 -0.750 -0.750 -0.750 N/A N/A N/A

High Balance FRM Purchase -0.375 -0.375 -0.375 -0.375 -0.375 -0.375 -0.375

High Balance FRM High LTV (1) 0.000 0.000 0.000 0.000 0.375 0.500 0.625

'High Bal LLPA's are in addition to All Eligible Mortgage LLPA's above. (1) High Balance FRM High LTV - This LLPA applies to all purpose types over 80%

High Balance ARM Refi 0.000 0.000 0.000 0.750 0.750 0.750 0.750

High Balance ARM CashOut 0.750 0.750 0.750 1.500 N/A N/A N/A

High Balance ARM Purchase 0.000 0.000 0.000 0.750 0.750 0.750 1.000

LTV TLTV * < 720 >= 720

< 75.00% < 80.00% 0.375 0.375

< 65.00% 80.01 - 95.0% 0.875 0.625

65.01 - 75.00% 80.01 - 95.0% 1.125 0.875

75.01 - 95.00% 76.01 - 95.0% 1.375 1.125

* LLPA's in this table are based on TLTV, which does NOT include the undrawn portion of a home equity line of credit. Other LTV/TLTV hits are cumulative

30 Year Fixed & ARM's > 5 Years

Base LTV Coverage

FICO

760+

FICO

740-759

FICO

720-739

FICO

700-719

FICO

680-699

FICO

660-679

FICO

640-659

FICO

620-639

95% - 90.01% 30% 1.60% 2.22% 2.75% 3.21% 3.94% 5.16% 5.48% 5.83%

90% - 85.01% 25% 1.20% 1.68% 2.08% 2.49% 3.01% 4.06% 4.22% 4.42%

85% & Under 12% 0.59% 0.72% 0.83% 0.97% 1.13% 1.52% 1.57% 1.62%

< 20 Year Fixed

95% - 90.01% 25% 0.95% 1.24% 1.50% 1.74% 2.08% 2.66% 2.77% 2.91%

90% - 85.01% 12% 0.59% 0.72% 0.84% 0.95% 1.10% 1.40% 1.43% 1.47%

85% & Under 6% 0.43% 0.47% 0.49% 0.53% 0.58% 0.69% 0.71% 0.72%

Premium Adjustments

FICO

760+

FICO

740-759

FICO

720-739

FICO

700-719

FICO

680-699

FICO

660-679

FICO

640-659

FICO

620-639

Rate/Term Refinance 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

Cash Out 0.54% 0.60% 0.70% 0.85% 1.05% 1.50% 1.65% 1.80%

Second Home 0.36% 0.39% 0.49% 0.60% 0.70% 1.23% 1.27% 1.35%

3 - 4 Unit 1.02% 1.19% 1.33% 1.50% 1.75% 1.90% 2.00% 2.63%

Investment Property 1.02% 1.19% 1.33% 1.50% 1.75% 1.90% 2.00% 2.63%



LPMI Single Premium Adjustments

1/4/19 8:47 AM

FICO scores

Mortgages with Subordinate Financing -- Add to Price

(a) > 4 financed prop but no more than 6 financed props allowed under this program. Applies to NOO subject prop.

5 (FHLMC) Standard New llpa's

Rates as of

Gold Program & Gold 90- Jumbo Fixed Rate Mortgages MORRIS Plan 553 MORRIS Plan 554 MORRIS Plan 567


4.125 1.630 1.820 2.010 3.500 0.370 0.510 0.650 4.625 1.650 1.850 2.050

4.250 0.880 1.070 1.260 3.625 (0.080) 0.050 0.200 4.750 1.030 1.230 1.430

4.375 0.220 0.410 0.610 3.750 (0.470) (0.330) (0.180) 4.875 0.400 0.610 0.810

4.500 (0.320) (0.110) 0.080 3.875 (0.830) (0.690) (0.540) 5.000 (0.170) 0.030 0.240

4.625 (0.790) (0.590) (0.380) 4.000 (1.160) (1.020) (0.870) 5.125 (0.580) (0.370) (0.170)

4.750 (1.240) (1.030) (0.820) 4.125 (1.430) (1.290) (1.150) 5.250 (0.980) (0.770) (0.570)

4.875 (1.610) (1.400) (1.200) 4.250 (1.640) (1.510) (1.370) 5.375 (1.390) (1.190) (0.990)

5.000 (1.970) (1.760) (1.550) 4.375 (1.790) (1.660) (1.510)

5.125 (2.320) (2.120) (1.920) 4.500 (1.950) (1.820) (1.670)

5.250 (2.640) (2.450) (2.250) 4.625 (2.150) (2.010) (1.870)

5.375 (2.880) (2.690) (2.490)

1 Yr Libor 3.00500%

Gold Program - Jumbo Arm's



3.500 (0.200) (0.100) 0.000 3.750 0.490 0.630 0.770 3.375 0.770 0.890 1.020

3.625 (0.530) (0.420) (0.320) 3.875 (0.040) 0.090 0.240 3.500 0.240 0.370 0.490

3.750 (0.800) (0.700) (0.590) 4.000 (0.490) (0.350) (0.200) 3.625 (0.200) (0.070) 0.040

3.875 (1.050) (0.950) (0.840) 4.125 (0.960) (0.820) (0.670) 3.750 (0.620) (0.500) (0.370)

4.000 (1.290) (1.190) (1.090) 4.250 (1.410) (1.280) (1.130) 3.875 (0.990) (0.870) (0.750)

4.125 (1.520) (1.420) (1.320) 4.375 (1.760) (1.630) (1.490) 4.000 (1.270) (1.150) (1.030)

4.250 (1.720) (1.610) (1.520) 4.500 (2.030) (1.900) (1.760) 4.125 (1.490) (1.370) (1.250)

4.375 (1.880) (1.780) (1.680) 4.625 (2.310) (2.180) (2.040) 4.250 (1.710) (1.600) (1.480)

4.500 (2.010) (1.910) (1.810) 4.750 (2.550) (2.420) (2.280) 4.375 (1.920) (1.810) (1.690)

4.625 (2.140) (2.030) (1.940) 4.875 (2.750) (2.620) (2.480) 4.500 (2.090) (1.970) (1.850)

Gold Program - Jumbo Plus (Non-QM)MORRIS Plan 562 Loan Amount 30 Yr 15 Yr 90LTV* 30 Yr

Rate 15 Day 30 Day 45 Day < $1,000,000 -2.675 -2.175 -2.1754.750 0.560 0.760 0.950 > $1,000,000 -2.175 -1.925 -1.6754.875 0.090 0.290 0.500 Loan Amount 10/1 ARM 5/1 ARM 7/1 ARM

5.000 (0.360) (0.150) 0.040 < $1,000,000 -1.925 -1.550 -1.5505.125 (0.820) (0.610) (0.400) > $1,000,000 -1.675 -1.425 -1.4255.250 (1.230) (1.020) (0.810) Loan Amount (non-QM)* 5.375 (1.570) (1.360) (1.150) < $1,000,000 -2.6755.500 (1.950) (1.750) (1.550) > $1,000,000 -2.1755.625 (2.310) (2.110) (1.920)

5.750 (2.620) (2.420) (2.230)

5.875 (2.900) (2.700) (2.510)



*non-QM & 90: Loan must be approved in order to lock

1/4/19 8:47 AM

Max YSP cannot exceed max net rebate above. A full ALTA is

required for all Gold Jumbo products

30 Year Super Jumbo Fixed Rate 15 Year Super Jumbo Fixed Rate 30 Year Super Jumbo 90 Fixed Rate

30 Year Super Jumbo Plus Fixed Rate

5/1 LIBOR ARM Super Jumbo






Max Net Rebate

6 Gold Jumbo

Rates as of

Jumbo 90 Only LTV / CLTV / HCLTVNo MI No MI No MI

FICO / LTV (HCLTV) ≤ 50 50.01-55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 80.01-85 85.01-90

661-679 NA NA NA NA NA NA NA NA NA NA

680-699 (0.500) (0.250) (0.125) NA NA NA NA NA NA NA

700-719 (0.750) (0.625) (0.375) (0.125) 0.000 0.250 0.625 NA NA NA

720-739 (0.750) (0.750) (0.625) (0.375) (0.250) 0.000 0.375 NA 0.000 0.375

740-759 (0.875) (0.875) (0.750) (0.625) (0.375) (0.125) 0.000 NA (0.375) (0.125)

760-779 (0.875) (0.875) (0.875) (0.750) (0.625) (0.500) (0.375) 0.250 (0.625) (0.500)

≥ 780 (1.000) (0.875) (0.875) (0.875) (0.750) (0.625) (0.500) 0.125 (0.875) (0.750)

No MI No MI No MI

FICO / LTV (HCLTV) ≤ 50 50.01-55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 80.01-85 85.01-90


680-699 (0.250) 0.000 0.125 NA NA NA NA NA NA NA

700-719 (0.500) (0.375) (0.125) 0.125 0.375 0.750 1.125 NA NA NA

720-739 (0.500) (0.500) (0.375) (0.125) 0.000 0.375 0.875 NA 0.375 0.875

740-759 (0.750) (0.625) (0.500) (0.375) (0.125) 0.125 0.375 NA 0.000 0.375

760-779 (0.750) (0.750) (0.625) (0.500) (0.375) (0.250) (0.125) 0.625 (0.250) 0.000

≥ 780 (0.750) (0.750) (0.750) (0.625) (0.500) (0.375) (0.250) 0.375 (0.625) (0.375)

No MI No MI No MI

FICO / LTV (HCLTV) ≤ 50 50.01-55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 80.01-85 85.01-90



700-719 (0.375) (0.250) 0.000 0.375 0.500 NA NA NA NA NA

720-739 (0.375) (0.375) (0.250) 0.000 0.250 NA NA NA NA NA

740-759 (0.625) (0.500) (0.375) (0.250) 0.000 NA NA NA NA NA

760-779 (0.625) (0.625) (0.500) (0.375) (0.250) NA NA NA NA NA

≥ 780 (0.625) (0.625) (0.625) (0.500) (0.375) NA NA NA NA NA

Loan Amount & LTV, CLTV (HCLTV) LLPAs for all Loans -- Add to Price No MI No MI No MI

Loan Amounts ≤ 50 50.01-55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 80.01-85 85.01-90

≤ 1,000,000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000

1,000,001-1,500,000 0.000 0.000 0.000 0.250 0.250 0.250 0.375 NA 0.375 0.375

1,500,001-2,000,000 0.125 0.125 0.125 0.250 0.375 0.375 NA NA NA NA

2,000,001-2,500,000 0.250 0.250 0.250 0.375 0.375 NA NA NA NA NA

Feature LLPAs for all Loans -- Add to Price No MI No MI No MI

Feature ≤ 50 50.01-55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 80.01-85 85.01-90

2 Unit 0.250 0.250 0.250 0.375 0.375 NA NA NA NA NA

3-4 Units 0.375 0.375 0.375 0.500 0.625 NA NA NA NA NA

Second Home 0.125 0.125 0.125 0.125 0.125 0.250 0.375 NA NA NA

Investment 1.125 1.125 1.250 1.500 1.750 NA NA NA NA NA

Non-War. Condo NA NA NA NA NA NA NA NA NA NA

Condo-Hotel NA NA NA NA NA NA NA NA NA NA

Product LLPAs for all Loans -- Add to Price No MI No MI No MI

Product ≤ 50 50.01-55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 80.01-85 85.01-90

5 yr Hybrid 0.000 0.000 0.000 0.000 0.000 0.000 0.000 (0.375) NA NA

7 yr Hybrid 0.000 0.000 0.000 0.000 0.000 0.000 0.000 (0.250) NA NA

10 yr Hybrid 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.500 NA NA

15 yr Fixed 0.000 0.000 0.000 0.000 0.000 (0.125) (0.250) (0.500) NA NA

20 yr Fixed (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250)

30 yr Fixed 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000

State LLPAs for all Loans -- Add to Price No MI No MI No MI

CA 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.125 0.250

Escrow LLPAs for all Loans -- Add to Price No MI No MI No MI

With Escrows (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) (0.125)

Jumbo Locks - Advance Locks eligible on purchase • Gold Jumbo locks must be credit approved prior to lock, besides purchase transactions• Gold Jumbo Plus & Jumbo 90 locks must be approved prior to lock• All self-employed jumbo loans which need 2016 tax returns to qualify, we will need proof of refund prior to lock.Intended for approved Mortgage Brokers use only and not for consumer use or for public distribution. The terms and programs are subject to change without notice.


1/4/19 8:47 AM

FICO & LTV/ HCLTV LLPAs (Purchase)-- Add to Price

FICO & LTV/ HCLTV LLPAs (Rate/Term Refi)-- Add to Price

Gold Program & Gold Plus Jumbo LLPAs

FICO & LTV/ HCLTV LLPAs (Cash Out Refi)-- Add to Price

7 Gold Jumbo llpa's

Rates as of

FHA Program - Conforming & High Balance Fixed Rate First Mortgages * High Balance Loans need to be verified with HUD FHA mtg limits



3.750 (1.200) (1.110) (1.050) 3.750 0.240 0.380 0.450

3.875 (1.760) (1.670) (1.600) 3.875 (0.260) (0.120) (0.060)

4.000 (2.290) (2.200) (2.130) 4.000 (0.760) (0.620) (0.550)

4.125 (2.810) (2.720) (2.650) 4.125 (1.220) (1.080) (1.010)

4.250 (2.780) (2.680) (2.600) 4.250 (1.450) (1.300) (1.220)

4.375 (3.300) (3.200) (3.110) 4.375 (1.860) (1.720) (1.630)

4.500 (3.780) (3.680) (3.600) 4.500 (2.200) (2.050) (1.970)

4.625 (4.150) (4.050) (3.970) 4.625 (2.460) (2.310) (2.230)

4.750 (3.850) (3.750) (3.640) 4.750 (2.090) (1.930) (1.830)

4.875 (4.210) (4.110) (4.000) 4.875 (2.350) (2.190) (2.090)

5.000 (4.570) (4.470) (4.370) 5.000 (2.540) (2.390) (2.280)

5.125 (4.890) (4.780) (4.680) 5.125 (2.260) (2.110) (2.000)

5.250 (4.560) (4.470) (4.350) 5.250 (2.130) (1.970) (1.850) 5.375 (4.810) (4.720) (4.600) 5.375 (2.300) (2.140) (2.020)

5.500 (4.960) (4.870) (4.750) 5.500 (2.430) (2.270) (2.150)

FHA Streamline Program - Conforming & High Balance Fixed Rate First Mortgages MORRIS Plan 323 MORRIS Plan 324 MORRIS Plan 332


3.750 (1.200) (1.110) (1.050) 3.125 0.740 0.830 0.840 3.750 0.390 0.530 0.600

3.875 (1.760) (1.670) (1.600) 3.250 0.210 0.290 0.320 3.875 (0.110) 0.020 0.080

4.000 (2.290) (2.200) (2.130) 3.375 (0.260) (0.180) (0.150) 4.000 (0.610) (0.470) (0.400)

4.125 (2.810) (2.720) (2.650) 3.500 (0.720) (0.640) (0.620) 4.125 (1.070) (0.930) (0.860)

4.250 (2.780) (2.680) (2.600) 3.625 (1.160) (1.090) (1.060) 4.250 (1.300) (1.150) (1.070)

4.375 (3.300) (3.200) (3.110) 3.750 (1.460) (1.400) (1.350) 4.375 (1.710) (1.570) (1.480)

4.500 (3.780) (3.680) (3.600) 3.875 (1.890) (1.830) (1.780) 4.500 (2.050) (1.900) (1.820)

4.625 (4.150) (4.050) (3.970) 4.000 (2.290) (2.230) (2.190) 4.625 (2.310) (2.160) (2.080)

4.750 (3.850) (3.750) (3.640) 4.125 (2.670) (2.610) (2.560) 4.750 (1.940) (1.780) (1.680)

4.875 (4.210) (4.110) (4.000) 4.250 (2.460) (2.380) (2.320) 4.875 (2.200) (2.040) (1.940)

5.000 (4.570) (4.470) (4.370) 4.375 (2.800) (2.730) (2.660) 5.000 (2.390) (2.240) (2.130)

5.125 (4.890) (4.780) (4.680) 5.125 (2.110) (1.960) (1.850)

5.250 (4.560) (4.470) (4.350) 5.250 (1.980) (1.820) (1.700)

5.375 (4.810) (4.720) (4.600) 5.375 (2.150) (1.990) (1.870)

5.500 (4.960) (4.870) (4.750) 5.500 (2.280) (2.120) (2.000)

All Loans

-0.25

0

0.5

-0.125

0.125

0.375

0.75



Phone:

1-800-659-7334

1/4/19 8:47 AM

30 Yr Fixed Gov - Conf. 15 Yr Fixed Gov - Conf. 30 Yr Fixed Gov - High Bal

30 Yr Fixed Gov - Conf. 30 Yr Fixed Gov - High Bal FHA Info:

Fremont Banks Originator ID is 0483609998

< $625,500 > 95%

Annual MIP

720 +

1.75 < 95%

Upfront MIP

0.80

LTV

MIP - Upfront & Annual - Effective 01-26-15

Purchase Loan

FHA LLPAs - Applys to all FHA programs - Add to Price

FICO

1.75

Upfront MIP

MIP - Upfront & Annual - Effective 01-26-15

0.45

1.75

1.75

Terms > 15 Years

LTV

< $625,500

1.75

Annual MIP

< $625,500

Term <= 15 Years

1.75 < $625,500

< 95%

1.05 1.75 > $625,500

0.85

Base Loan Amount Base Loan Amount

> 95% 0.95

FHA Streamline Refi 0-115% LTV

FHA Streamline Refi 115.01-135% LTV

Refi Loan (Non Streamline)

680-719

FHA Single Family Mortgage Insurance Premiums - Upfront and Annual MIP

640-679

OTHER FHA Price Adjustments - Add to Price

> $625,500 < 95% 1.00 1.75

> $625,500 > 95%

Address:

39150 Fremont Blvd

Fremont, CA 94538

0.70 < 95%> $625,500

0.70 > 95%

8 FHA rate

Wholesale Portfolio Ratesheet 1 YR LIBOR 3.0050%

5/1 Libor ARM (Fully Amortizing) 2/2/5 Caps

MORRIS Plan 403 Price Note Rate Caps

Margin:

Primary and

Second Home

Margin:

Investment

Property

Lock Term

406/403 0.000 3.875% 2%/2%/5% 2.875% 3.250% 45 Days

406/403 (1.000) 4.000% 2%/2%/5% 2.875% 3.250% 45 Days

406/403 (1.250) 4.125% 2%/2%/5% 2.875% 3.250% 45 Days

406/403 (1.375) 4.250% 2%/2%/5% 2.875% 3.250% 45 Days

406/403 (1.500) 4.375% 2%/2%/5% 2.875% 3.250% 45 Days

7/1 Libor ARM (Fully Amortizing) 5/2/5 Caps

MORRIS Plan 408 Price Note Rate Caps

Margin:

Primary and

Second Home

Margin:

Investment

Property

Lock Term

407/408 0.000 4.250% 5%/2%/5% 2.875% 3.250% 45 Days

407/408 (1.000) 4.375% 5%/2%/5% 2.875% 3.250% 45 Days

407/408 (1.125) 4.500% 5%/2%/5% 2.875% 3.250% 45 Days

407/408 (1.250) 4.625% 5%/2%/5% 2.875% 3.250% 45 Days

5/1 Purchase Special (a) -0.250

7/1 Purchase Special (a) -0.125 Non- Warrantable Condo (b) 0.500

Investment Property 0.250 Asset Depletion 0.250

Condo Adjustment 0.125 Alternative Income 0.250

Cash Out > $100,000 - $250,000 0.125 Alternative Credit Program 0.500

Cash Out > $250,000 - $500,000 0.250 > 10 financed properties (c) 0.500

>75%- 80% LTV 0.125 Short Sale >4 years seasoning 0.250

> 760 FICO 0.000 BK > 4 years 0.250

700-719 FICO 0.125 Seasoned Foreclosure > 7 years 0.500

DTI >43% - 45% 0.250 680-699 FICO 0.375

DTI >45% - 48% 0.500 File Complexity (d) 0.250

2-4 Unit Property 0.125 >75%- 80% LTV for I/O 0.250

5-10 financed properties (c) 0.250 I/O (min720, max LTV 65% NOO/70% OO. No exceptions) 0.000

* I/O hit is normally 0.25; If loan doesn’t meet above min/max the 0.25 applies

(a) Purchase Specials Not Applicable for: Major Derogatory Credit & Outside Footprint Lock Extensions: Add to fee

(b) Non-Warrantable Condo adjustment is in addition to standard condo adjustment if applicable. 7 days + 0.125; 15 days + 0.25; Max 15 days. Worse Case after max ext.

(c) > 4 financed property adjustments do not apply if subject property is a primary residence

(d) File Complexity: 2 or more of following - >10 Fin Props, Leaseholds, 3 or more Biz Tax Returns, New Condo Proj. w/Full Legal Review - DTI to 48% for fully Amortizing

- DTI to 43% for I/O (Please consult your AE for qualifying purposes)

LTV CLTV

80% 80%

75% 75%

70% 70%

80% 80%

70% 70%

65% 65%

65% 65%

• Loans that fit guidelines and are < $1M are lock eligible upon receipt of file submission.

• Loans > $1M or loans that require a guideline exception must have an 'Approval to Process' to be lock eligible. **• Rate Lock Term is 45 Days - File delivery within 5 business days or Lock Subject to Cancellation.

Loss Payee: Fremont Bank, Its' Successors and/or Assigns. PO Box 7295, Fremont, CA 94536

Expanded Loan Level Rate AdjustmentsApproval to Process needed prior to lock/submission (contact your AE)

Add to RateAll Adjustments are independent of each other

Loan Level Rate Adjustments

Investment Property - Interest Only $100,000 to < $1,000,000

RATE LOCK AND SUBMISSION REQUIREMENTS

** To receive an 'Approval to Process', send your Account Executive your scenario.

Accuracy is Critical. Be sure to indicate retirement accounts.

Second Home $100,000 to < $1,000,000

Investment Property - Fully Amortizing $100,000 to < $1,000,000

Primary

$100,000 to < $1,000,000

$1,000,001 to < $1,500,000

$1,500,001 to < $2,500,000

Investment Property & Second Home > 4

financed$100,000 to < $1,000,000

Add to RateAll Adjustments are independent of each other

Rate Adjustments are not Final until the file has received Final Approval by our Loan Committee and cleared for docs

1/4/2019

Loan Amount and LTV Limitations

• Fully Amortizing and Interest Only•

Occupancy Loan Amount

Rates as of 1/4/19 8:47 AM

Home Equity Line of Credit - Prime Combo

Rates & Terms Primary Second Home Investment

Base Start Rate1 6.000% 6.250% 7.250% ALP (2) -0.500%

Index WSJ Prime Rate is 5.5% as of Friday, January 04, 2019HCLTV

> 75% to < 80%+0.500%

Base Margin * +0.500% +0.750% +1.750%HCLTV

> 80% to < 85%+1.000%

Floor Rate 2.990% 2.990% 4.990%HCLTV

> 85% to < 89.99%+1.500%

Additional Margin Adjustments (Cumulative to Net Margin Adj)

Condo

2-4 Unit Property

Other Terms

Life Cap

Amortization

Term

Minimum Payment

Annual Fee

Set Up Charge

Early Closure Fee

Eligible CountiesNorthern CA Footprint

(limited to the following counties)

Southern CA Footprint


See guidelines for details

HelocGuide



Margin Adjustment

Adjustable Rate

25-years (10-year draw period then15-year repayment)

Interest Only during 10-year draw period and fully amortizing payments during 15-year repayment period

1 Base Start Rate includes index + margin. For total rate add all applicable margin adjustments to the base start rate. 2 ALP (Automatic Loan Payment) discount

is applied after closing and is subject to disbursements from a Fremont Bank checking account.

18%

+0.250%

+0.125%

Alameda, Contra Costa, Marin, Monterey, Napa, Sacramento, San Francisco, San Mateo, Santa Clara, Santa Cruz, and Sonoma

Los Angeles, Orange, San Diego, San Luis Obispo, Santa Barbara, and Ventura

$75.00 (Promo: Waived for first 3 Years)

$95.00 (Promo: Waived Set up fee)

$500.00 for all HELOCs with line amounts ≥ $25,000 voluntarily terminated in the first 3 years

10 HELOC


Rates as of 1/4/19 8:47 AM

Home Equity Line of Credit - 360 Combo

Rates & Terms Primary Second Home Investment

Base Start Rate1 5.875% 6.250% 7.250% ALP (2) -0.500%

Index WSJ Prime Rate is 5.5% as of Friday, January 04, 2019HCLTV

> 75% to < 80%+0.500%

Base Margin * +0.3750% +0.750% +1.750%HCLTV

> 80% to < 85%+1.000%

Floor Rate 2.990% 2.990% 4.990%HCLTV

> 85% to < 89.99%+1.500%

Additional Margin Adjustments (Cumulative to Net Margin Adj)

Condo

2-4 Unit Property

Other Terms

Life Cap

Amortization

Term

Minimum Payment

Annual Fee

Set Up Charge

Early Closure Fee

Eligible CountiesNorthern CA Footprint


Southern CA Footprint


See guidelines for details

Heloc360Guide



Los Angeles, Orange, San Diego, San Luis Obispo, Santa Barbara, and Ventura

30-years (10-year draw period then 20-year repayment)

Draw Period: Principal over 30-year or remaining term plus periodic finance charges.

$75.00 (Promo: Waived for first 3 Years)

$95.00 (Promo: Waived Set up fee)

$500.00 for all HELOCs with line amounts ≥ $25,000 voluntarily terminated in the first 3 years

1 Base Start Rate includes index + margin. For total rate add all applicable margin adjustments to the base start rate. 2 ALP (Automatic Loan Payment) discount

is applied after closing and is subject to disbursements from a Fremont Bank checking account.

Repayment Period: Principal over 20-year or remaining term plus periodic finance charges

Margin Adjustment

+0.250%

+0.125%

18%

Adjustable Rate

Alameda, Contra Costa, Marin, Monterey, Napa, Sacramento, San Francisco, San Mateo, Santa Clara, Santa Cruz, and Sonoma

11 HELOC 360


Rates as of



[email protected]

909-851-2938

[email protected]

Email Address Region

Sales Manager: Southern- Cal

949-435-9383

858-243-5659

[email protected]

818-269-9966 [email protected]

Celia Margison

Scott Borst

SALES SUPPORT

Contact #

San Fernando Valley/Los Angeles

Orange County, LA

Email Address

619-541-0946Jillian Polce

ACCOUNT EXECUTIVES

Southern California

Account Exec. RegionName

Scott Parrott

San Diego

San Diego

Name

LA, Ventura & Santa Barbara310-614-1699

Nafice Amini 949-767-7004 [email protected] Orange County, San Bernadino/Riverside

Los Angeles/Orange County


George Caramihai

714-262-1801

Contact #

[email protected]

[email protected]

Scott McCarthy


John Chang [email protected]

Email Address

SOUTHERN CALIFORNIA

Sacramento

Contact #

925-724-8721 San Francisco/North Bay

[email protected]

Name Region

Mike Cook

Mark Levitch

Contact #

East Bay

[email protected]

South Bay/Peninsula/Central Coast510-331-1503

Royal Gooden

510-589-7043 Contra Costa/Alameda Co.

[email protected]

Sales Manager: Northern- Cal

Email Address

510-435-9940

ACCOUNT EXECUTIVES

Account Exec. RegionName

1/4/19 8:47 AM

WHOLESALE SALES TEAMS

NORTHERN CALIFORNIA

[email protected]

Email AddressContact #Name Region

Mark Panella

South Bay

Joe Melo

Arnie Abramo

510-731-7855

[email protected]

Ken Owens [email protected]

916-943-6880

[email protected]

Orange County/Los Angeles

Los Angeles, Ventura

Howard Goldman

Abdul Aref 949-466-6644 [email protected]

[email protected] Kalem

Lisa Kocsis

San Gabriel, South LA/North Orange

12 contact info


















