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Wholesale Rate Sheet Rates as of Announcements - Weekly Turn Times - Effective for Aug 28- Sept 1 Pricing Improvement: Conforming 30 Yr Fixed Loans Cutoff Dates: Last Day For Closing This Month Cutoff Date We want all your conforming business too! Last day to acknowledge CD (refi) Effective Sept 1st through Sept 30th, we meaningfully improved our conforming Last day to sign to fund and record (refi) 30 Yr. fixed base price and added a purchase special of .125%. Loan Registration Turn Times Purchase 24 hours Refinance 24 - 48 hours Underwriting Turn Times Turn Times New Product Offering: Gold Jumbo 90 - Effective on/after July 18th Purchase Transactions: Initial u/w * Condition u/w This new program allows jumbo clients the benefit of down payments as low as 10% Conventional 1 - 2 days 2-3 days (up to 90% LTV/CLTV) without the requirement of Mortgage Insurance Jumbo Gold 1 - 2 days 2-3 days See page 7 of the rate sheet for pricing details Jumbo Port 406 & 407 1 - 2 days 2-3 days FHA purchase 1 - 2 days 1 - 2 days Rate Sheet Index FNMA (Gold) Pg. 2 Refinance Transactions: Initial u/w * Condition u/w FNMA (Gold) LLPA's Pg. 3 Conventional 2-4 days 3-4 days FHLMC (Standard) Pg. 4 Jumbo Gold 2-4 days 3-4 days FHLMC (Standard) LLPA's Pg. 5 Jumbo Port 406 & 407 2-4 days 3-4 days Gold Jumbo Fixed & ARM's Pg. 6 FHA refi/streamline 1 - 2 days 1 - 2 days Gold Jumbo 90 Fixed -QM Pg. 7 * Condition u/w includes processing time! Gold Jumbo Plus Fixed - Non-QM Pg. 8 Loans in NOI status: condition / re-underwrite review: 4-5 days (purchase and refi) FHA Pg. 9 Jumbo Portfolio 5/1 Arm Pg. 10 Jumbo Portfolio 7/1 Arm Pg. 11 Docs & Funding Turn Times Home Equity Line of Credit Pg. 12 Docs 24 hours purch/24 - 48 hours refi HELOC 360 Pg. 13 Funding 24 - 48 hours AE Contact Info Pg. 14 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 GOLD & Standard: 1st extension 0.015/day - 20 day max; 2nd extension is 0.03/day - 10 day max; Max 2 extensions Fremont Bank Website Send request on lock form to [email protected] before 4:00PM PT on day of expiration. Same Day Submission cutoff time is 2:00PM PST. All Jumbo extensions: 5 days + 0.10; 10 days + 0.20; 15 days + 0.30; 20 days +0.40; 30 days (MAX) 0.60 Signed Documents sent back to Livermore Loan Center Gold Jumbo extension: Submit lock form to [email protected] before 4:00PM PT on day of expiration. 2580B Shea Center Drive, Livermore, CA 94551 No relocks allowed on any JUMBO program.Gold Jumbo cutoff time 4:00PM for new locks Cutoff time for new Jumbo locks(previously submitted): Gold Jumbo 4:00PM PT All Jumbo locks must be credit approval prior to lock, effective 02-16-16 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 da FHA Origination Fees for LE: Delivery Fee $ 25, Document All FHA relocks: 36bps/ 15days; 66bps/ 30days - 30 day max. Preparation Fee $ 50, Underwriting Fee $ 395 = $ 470 Jumbo Port 5/1 & 7/1 program 406/407 Lock Eligibility: * Section B of LE: Flood $5.25, Tax $60 (Tax N/A for FHA) 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 FNMA - Gold Only (Niche) Scenarios: Loss Payee Clause: CPL: Fremont Bank * Using 2nd job income @ job < 2 Yrs but > 1 Yr * C5 appraisal condition rating Fremont Bank 39150 Fremont Blvd. * > 6 financed properties when subject is investment or 2nd home ISAOA, ITS SUCCESSORS OR ASSIGNEES Fremont, CA 94538 P.O. Box 7295 FHLMC - Standard Only (Niche) Scenarios: Fremont, CA 94537-7295 * Unpermitted Accessory Unit * Debt to be paid off to qualify that cannot be closed * DTI > 45% + LP Approval For rate lock policy click on: Lock Policy 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. 9/5/17 8:43 AM Wednesday, August 23, 2017 Monday, August 28, 2017 1 Announcements

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Page 1: Wholesale Rate Sheet - Fremont Bank · Wholesale Rate Sheet Rates as of Announcements - Weekly Turn Times ... Send request on lock form to locks@fremontbank.com before 4:00PM PT on

Wholesale Rate Sheet

Rates as of

Announcements - Weekly Turn Times - Effective for Aug 28- Sept 1Pricing Improvement: Conforming 30 Yr Fixed Loans Cutoff Dates: Last Day For Closing This Month Cutoff Date

We want all your conforming business too! Last day to acknowledge CD (refi)

Effective Sept 1st through Sept 30th, we meaningfully improved our conforming Last day to sign to fund and record (refi)

30 Yr. fixed base price and added a purchase special of .125%. Loan Registration Turn Times

Purchase 24 hours

Refinance 24 - 48 hours

Underwriting Turn Times Turn Times

New Product Offering: Gold Jumbo 90 - Effective on/after July 18th Purchase Transactions: Initial u/w * Condition u/w

This new program allows jumbo clients the benefit of down payments as low as 10% Conventional 1 - 2 days 2-3 days

(up to 90% LTV/CLTV) without the requirement of Mortgage Insurance Jumbo Gold 1 - 2 days 2-3 days

See page 7 of the rate sheet for pricing details Jumbo Port 406 & 407 1 - 2 days 2-3 days

FHA purchase 1 - 2 days 1 - 2 days

Rate Sheet IndexFNMA (Gold) Pg. 2 Refinance Transactions: Initial u/w * Condition u/w

FNMA (Gold) LLPA's Pg. 3 Conventional 2-4 days 3-4 days

FHLMC (Standard) Pg. 4 Jumbo Gold 2-4 days 3-4 days

FHLMC (Standard) LLPA's Pg. 5 Jumbo Port 406 & 407 2-4 days 3-4 days

Gold Jumbo Fixed & ARM's Pg. 6 FHA refi/streamline 1 - 2 days 1 - 2 days

Gold Jumbo 90 Fixed -QM Pg. 7 * Condition u/w includes processing time!

Gold Jumbo Plus Fixed - Non-QM Pg. 8 Loans in NOI status: condition / re-underwrite review: 4-5 days (purchase and refi)

FHA Pg. 9

Jumbo Portfolio 5/1 Arm Pg. 10

Jumbo Portfolio 7/1 Arm Pg. 11 Docs & Funding Turn Times

Home Equity Line of Credit Pg. 12 Docs 24 hours purch/24 - 48 hours refi

HELOC 360 Pg. 13 Funding 24 - 48 hours

AE Contact Info Pg. 14

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

GOLD & Standard: 1st extension 0.015/day - 20 day max; 2nd extension is 0.03/day - 10 day max; Max 2 extensions Fremont Bank Website

Send request on lock form to [email protected] before 4:00PM PT on day of expiration. Same Day Submission cutoff time is 2:00PM PST.

All Jumbo extensions: 5 days + 0.10; 10 days + 0.20; 15 days + 0.30; 20 days +0.40; 30 days (MAX) 0.60 Signed Documents sent back to Livermore Loan Center

Gold Jumbo extension: Submit lock form to [email protected] before 4:00PM PT on day of expiration. 2580B Shea Center Drive, Livermore, CA 94551

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

Cutoff time for new Jumbo locks(previously submitted): Gold Jumbo 4:00PM PT

All Jumbo locks must be credit approval prior to lock, effective 02-16-16 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. FHA Origination Fees for LE:  Delivery Fee $ 25, Document

All FHA relocks: 36bps/ 15days; 66bps/ 30days - 30 day max. Preparation Fee $ 50, Underwriting Fee $ 395 = $ 470

Jumbo Port 5/1 & 7/1 program 406/407 Lock Eligibility: * Section B of LE: Flood $5.25, Tax $60 (Tax N/A for FHA)

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

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

* Using 2nd job income @ job < 2 Yrs but > 1 Yr * C5 appraisal condition rating Fremont Bank 39150 Fremont Blvd.

* > 6 financed properties when subject is investment or 2nd home ISAOA, ITS SUCCESSORS OR ASSIGNEES Fremont, CA 94538

P.O. Box 7295

FHLMC - Standard Only (Niche) Scenarios: Fremont, CA 94537-7295

* Unpermitted Accessory Unit * Debt to be paid off to qualify that cannot be closed

* DTI > 45% + LP Approval For rate lock policy click on: Lock Policy

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.

9/5/17 8:43 AM

Wednesday, August 23, 2017

Monday, August 28, 2017

1 Announcements

Page 2: Wholesale Rate Sheet - Fremont Bank · Wholesale Rate Sheet Rates as of Announcements - Weekly Turn Times ... Send request on lock form to locks@fremontbank.com before 4:00PM PT on

Rates as of

FNMA (GOLD): Conforming & High Balance Fixed Rate First Mortgages - DU only underwritingLOS Plan 670

MORRIS Plan 113

LOS Plan 670

MORRIS Plan 114

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

3.500 (0.949) (0.779) (0.689) 3.250 (0.568) (0.398) (0.298)

3.625 (1.693) (1.513) (1.423) 3.375 (1.392) (1.222) (1.132)

3.750 (2.336) (2.166) (2.066) 3.500 (2.219) (2.039) (1.949)

3.875 (2.885) (2.715) (2.625) 3.625 (2.804) (2.634) (2.534)

3.990 (3.341) (3.171) (3.071) 3.750 (3.317) (3.147) (3.057)

4.000 (3.441) (3.271) (3.171) 3.875 (3.758) (3.588) (3.498)

4.125 (4.085) (3.915) (3.815) 4.000 (4.096) (3.916) (3.826)

4.250 (4.687) (4.507) (4.417) 4.125 (4.601) (4.431) (4.341)

4.375 (5.197) (5.027) (4.927) 4.250 (5.045) (4.875) (4.775)

4.500 (5.381) (5.211) (5.111) 4.375 (5.420) (5.250) (5.160)

4.625 (5.917) (5.737) (5.647) 4.500 (6.009) (5.839) (5.739)

4.750 (6.446) (6.276) (6.176) 4.625 (6.441) (6.271) (6.171)

4.875 (6.921) (6.751) (6.651) 4.750 (6.872) (6.692) (6.602)

5.000 (7.091) (6.921) (6.821)

LOS Plan 670

MORRIS Plan 115

LOS Plan 670

MORRIS Plan 116

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

2.750 (0.782) (0.612) (0.512) 2.750 (0.982) (0.812) (0.712)

2.875 (1.306) (1.126) (1.036) 2.875 (1.328) (1.158) (1.058)

3.000 (1.848) (1.668) (1.578) 3.000 (1.703) (1.523) (1.433)

3.125 (2.297) (2.127) (2.027) 3.125 (1.994) (1.814) (1.724)

3.250 (2.788) (2.618) (2.518) 3.250 (2.775) (2.595) (2.505)

3.375 (3.224) (3.044) (2.954) 3.375 (3.053) (2.873) (2.783)

3.500 (3.613) (3.443) (3.343) 3.500 (3.303) (3.133) (3.043)

3.625 (4.005) (3.835) (3.745) 3.625 (3.562) (3.392) (3.292)

3.750 (4.372) (4.192) (4.102) 3.750 (3.792) (3.622) (3.522)

3.875 (4.505) (4.335) (4.245) 3.875 (3.960) (3.790) (3.700)

4.000 (4.555) (4.385) (4.285) 4.000 (4.295) (4.115) (4.025)

4.125 (4.880) (4.710) (4.610) 4.125 (4.521) (4.351) (4.251)

LOS Plan 671

MORRIS Plan 127

LOS Plan 671

MORRIS Plan 128

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

3.500 (0.379) (0.209) (0.109) 2.750 0.133 0.303 0.393

3.625 (1.123) (0.943) (0.853) 2.875 (0.352) (0.182) (0.082)

3.750 (1.786) (1.606) (1.516) 3.000 (0.844) (0.674) (0.574)

3.875 (2.315) (2.135) (2.045) 3.125 (1.213) (1.033) (0.943)

3.990 (2.681) (2.501) (2.411) 3.250 (1.614) (1.444) (1.354)

4.000 (2.781) (2.601) (2.511) 3.375 (2.040) (1.870) (1.780)

4.125 (3.425) (3.255) (3.165) 3.500 (2.419) (2.249) (2.149)

4.250 (3.997) (3.817) (3.727) 3.625 (2.741) (2.561) (2.471)

4.375 (4.437) (4.257) (4.167) 3.750 (2.978) (2.798) (2.708)

4.500 (4.541) (4.371) (4.271) 3.875 (3.071) (2.891) (2.801)

4.625 (3.697) (3.527) (3.427) 4.000 (2.971) (2.791) (2.701)

4.750 (4.196) (4.026) (3.936) 4.125 (2.376) (2.206) (2.116)

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.

9/5/17 8:43 AM

15 Year Fixed Rate Conf

30 Year Fixed Rate Conf

10 Year Fixed Rate Conf

20 Year Fixed Rate Conf

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

2 (FNMA) Gold

Page 3: Wholesale Rate Sheet - Fremont Bank · Wholesale Rate Sheet Rates as of Announcements - Weekly Turn Times ... Send request on lock form to locks@fremontbank.com before 4:00PM PT on

Rates as of

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

FICO / LTV <= 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 -0.125 -0.125 -0.125 -0.125 -0.125 -0.125 -0.125

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

High Balance FRM CashOut 0.750 0.750 0.750 0.750 N/A N/A N/A High Balance FRM CashOut

High Balance FRM Purchase 0.000 0.000 0.000 0.000 0.000 0.000 0.000 High Balance FRM Purchase

(1) High Balance Mortgage Loan LLPA's are in addition to All Eligible Mortgage LLPA's above

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 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%

Loan Amounts > $650,000 0.60% 0.66% 0.75% 0.90% 1.20% 1.50% 1.80% 2.10%

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

* rate/term refi adjustment removal effective June 26, 2017

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

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

Mortgages with Subordinate Financing -- Add to Price

LPMI Single Premium Adjustments

0.000

1.500

9/5/17 8:43 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

3 (FNMA) Gold New LLPA

Page 4: Wholesale Rate Sheet - Fremont Bank · Wholesale Rate Sheet Rates as of Announcements - Weekly Turn Times ... Send request on lock form to locks@fremontbank.com before 4:00PM PT on

Rates as of

FHLMC (Standard): Conforming & High Balance Fixed First Mortgages - LP Only LOS Plan 101

MORRIS Plan 210

LOS Plan 101

MORRIS Plan 211

LOS Plan 101

MORRIS Plan 212

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

3.500 (1.019) (0.869) (0.789) 3.250 (0.188) (0.038) 0.103 2.750 (0.752) (0.632) (0.522)

3.625 (1.803) (1.663) (1.573) 3.375 (1.072) (0.912) (0.782) 2.875 (1.306) (1.186) (1.086)

3.750 (2.466) (2.316) (2.236) 3.500 (1.859) (1.709) (1.569) 3.000 (1.898) (1.768) (1.688)

3.875 (3.005) (2.865) (2.775) 3.625 (2.574) (2.414) (2.284) 3.125 (2.357) (2.227) (2.147)

3.990 (3.461) (3.321) (3.241) 3.750 (3.217) (3.057) (2.917) 3.250 (2.848) (2.718) (2.648)

4.000 (3.561) (3.421) (3.341) 3.875 (3.818) (3.658) (3.518) 3.375 (3.274) (3.144) (3.074)

4.125 (4.235) (4.065) (3.955) 4.000 (4.226) (4.066) (3.926) 3.500 (3.683) (3.543) (3.483)

4.250 (4.827) (4.657) (4.547) 4.125 (4.391) (4.211) (4.051) 3.625 (4.075) (3.935) (3.875)

4.375 (5.347) (5.177) (5.067) 4.250 (4.975) (4.795) (4.635) 3.750 (4.432) (4.292) (4.232)

4.500 (5.521) (5.361) (5.251) 4.375 (5.480) (5.300) (5.140) 3.875 (4.575) (4.435) (4.365)

4.625 (6.057) (5.887) (5.827) 4.500 (5.959) (5.779) (5.619) 4.000 (4.645) (4.485) (4.395)

4.750 (6.596) (6.426) (6.376) 4.625 (6.331) (6.151) (6.041) 4.125 (4.970) (4.810) (4.720)

4.875 (7.071) (6.901) (6.841) 4.750 (6.832) (6.652) (6.542)

5.000 (7.241) (7.071) (7.021)

LOS Plan 260

MORRIS Plan 227

LOS Plan 260

MORRIS Plan 228

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

3.500 (0.179) (0.009) 0.092 2.750 0.133 0.303 0.393

3.625 (0.923) (0.743) (0.653) 2.875 (0.352) (0.182) (0.082)

3.750 (1.586) (1.406) (1.316) 3.000 (0.844) (0.674) (0.574)

3.875 (2.115) (1.935) (1.845) 3.125 (1.213) (1.033) (0.943)

3.990 (2.481) (2.301) (2.211) 3.250 (1.614) (1.444) (1.354)

4.000 (2.581) (2.401) (2.311) 3.375 (2.040) (1.870) (1.780)

4.125 (3.225) (3.055) (2.965) 3.500 (2.419) (2.249) (2.149)

4.250 (3.797) (3.617) (3.527) 3.625 (2.741) (2.561) (2.471)

4.375 (4.237) (4.057) (3.967) 3.750 (2.978) (2.798) (2.708)

4.500 (4.341) (4.171) (4.071) 3.875 (3.071) (2.891) (2.801)

4.625 (3.497) (3.327) (3.227) 4.000 (2.971) (2.791) (2.701)

4.750 (3.996) (3.826) (3.736) 4.125 (2.376) (2.206) (2.116)

FHLMC (Standard): Conforming & High Balance ARM's - LP Only LOS Plan 114

MORRIS Plan 273

LOS Plan 111

MORRIS Plan 274

LOS Plan 112

MORRIS Plan 275 Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day

2.750 (0.260) (0.135) (0.010) 2.875 (0.100) 0.025 0.150 3.250 0.430 0.555 0.680

2.875 (0.620) (0.495) (0.370) 3.000 (0.540) (0.415) (0.290) 3.375 (0.070) 0.055 0.180

3.000 (1.020) (0.895) (0.770) 3.125 (0.990) (0.865) (0.740) 3.500 (0.680) (0.555) (0.430)

3.125 (1.360) (1.235) (1.110) 3.250 (1.490) (1.365) (1.240) 3.625 (1.100) (0.975) (0.850)

3.250 (1.710) (1.585) (1.460) 3.375 (1.870) (1.745) (1.620) 3.750 (1.610) (1.485) (1.360)

3.375 (2.030) (1.905) (1.780) 3.500 (2.300) (2.175) (2.050) 3.875 (1.920) (1.795) (1.670)

3.500 (2.410) (2.285) (2.160) 3.625 (2.640) (2.515) (2.390) 4.000 (2.310) (2.185) (2.060)

3.625 (2.650) (2.525) (2.400) 3.750 (3.110) (2.985) (2.860) 4.125 (2.540) (2.415) (2.290) 3.750 (2.970) (2.845) (2.720) 3.875 (3.300) (3.175) (3.050) 4.250 (2.840) (2.715) (2.590)

3.875 (3.130) (3.005) (2.880) 4.000 (3.540) (3.415) (3.290) 4.375 (2.990) (2.865) (2.740)

4.000 (3.290) (3.165) (3.040) 4.125 (3.690) (3.565) (3.440) 4.500 (3.150) (3.025) (2.900)

LOS Plan 265

MORRIS Plan 290

LOS Plan 262

MORRIS Plan 291

LOS Plan 263

MORRIS Plan 292

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

2.750 0.750 0.875 1.000 3.000 0.470 0.595 0.720 3.250 1.430 1.555 1.680

2.875 0.390 0.515 0.640 3.125 0.030 0.155 0.280 3.375 0.930 1.055 1.180

3.000 (0.010) 0.115 0.240 3.250 (0.490) (0.365) (0.240) 3.500 0.330 0.455 0.580

3.125 (0.360) (0.235) (0.110) 3.375 (0.870) (0.745) (0.620) 3.625 (0.090) 0.035 0.160

3.250 (0.710) (0.585) (0.460) 3.500 (1.300) (1.175) (1.050) 3.750 (0.610) (0.485) (0.360)

3.375 (1.030) (0.905) (0.780) 3.625 (1.640) (1.515) (1.390) 3.875 (0.920) (0.795) (0.670)

3.500 (1.410) (1.285) (1.160) 3.750 (2.110) (1.985) (1.860) 4.000 (1.310) (1.185) (1.060)

3.625 (1.650) (1.525) (1.400) 3.875 (2.300) (2.175) (2.050) 4.125 (1.540) (1.415) (1.290)

3.750 (1.970) (1.845) (1.720) 4.000 (2.540) (2.415) (2.290) 4.250 (1.840) (1.715) (1.590)

3.875 (2.130) (2.005) (1.880) 4.125 (2.690) (2.565) (2.440) 4.375 (1.990) (1.865) (1.740)

4.000 (2.290) (2.165) (2.040) 4.250 (2.850) (2.725) (2.600) 4.500 (2.150) (2.025) (1.900)

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.

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

Margin 2.250 - Caps 5/2/5

10/1 LIBOR ARM HB

Margin 2.250 - Caps 5/2/5

1 Yr Libor 1.71289%

5/1 LIBOR ARM Conf

Margin 2.250 - Caps 2/2/5

7/1 LIBOR ARM Conf

Margin 2.250 - Caps 5/2/5

15 Year Fixed Rate Conf

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

30 Year Fixed Rate Conf 20 Year Fixed Rate Conf

9/5/17 8:43 AM

4 (FHLMC) Standard

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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)

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

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 -0.125 -0.125 -0.125 -0.125 -0.125 -0.125 -0.125

ARM 0.000 0.000 0.000 0.000 0.000 0.000 0.250

Condo 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/TLTV

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

High Balance FRM Refi 0.000 0.000 0.000 0.000 0.000 0.000 0.000

High Balance FRM CashOut 0.750 0.750 0.750 0.750 N/A N/A N/A

High Balance FRM Purchase 0.000 0.000 0.000 0.000 0.000 0.000 0.000

High Balance ARM Refi 0.000 0.000 0.000 0.750 0.750 0.750 1.000

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%

Loan Amounts > $650,000 0.60% 0.66% 0.75% 0.90% 1.20% 1.50% 1.80% 2.10%

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

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.

LPMI Single Premium Adjustments

9/5/17 8:43 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

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Rates as of

Gold Program - Jumbo Fixed Rate Mortgages LOS Plan 550

MORRIS Plan 553

LOS Plan 550

MORRIS Plan 554Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day Loan Amount 30 Yr 15 Yr

3.625 0.680 0.870 1.070 3.125 0.880 1.010 1.160 < $1,000,000 -2.225 -1.7253.750 0.200 0.400 0.600 3.250 0.410 0.550 0.700 > $1,000,000 -1.725 -1.4753.875 (0.260) (0.060) 0.140 3.375 0.020 0.160 0.310 Loan Amount 10/1 ARM 5/1 ARM 7/1 ARM

4.000 (0.720) (0.510) (0.300) 3.500 (0.340) (0.200) (0.050) < $1,000,000 -1.475 -1.100 -1.100

4.125 (1.110) (0.900) (0.690) 3.625 (0.670) (0.530) (0.380) > $1,000,000 -1.225 -0.975 -0.975

4.250 (1.460) (1.250) (1.040) 3.750 (0.950) (0.810) (0.670)

4.375 (1.810) (1.610) (1.410) 3.875 (1.170) (1.030) (0.890)

4.500 (2.140) (1.940) (1.750) 4.000 (1.320) (1.190) (1.050)

4.625 (2.400) (2.200) (2.010) 4.125 (1.470) (1.340) (1.200)

4.750 (2.690) (2.490) (2.300) 4.250 (1.670) (1.540) (1.390)

Gold Program - Jumbo Arm's LOS Plan 553

MORRIS Plan 574

LOS Plan 555

MORRIS Plan 575

LOS Plan 554

MORRIS Plan 576

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

2.875 0.420 0.530 0.630 3.250 1.300 1.440 1.580 2.875 1.120 1.240 1.360

3.000 0.100 0.200 0.310 3.375 0.660 0.800 0.950 3.000 0.590 0.710 0.840

3.125 (0.200) (0.100) 0.000 3.500 0.230 0.360 0.510 3.125 0.150 0.270 0.400

3.250 (0.460) (0.360) (0.260) 3.625 (0.220) (0.080) 0.050 3.250 (0.260) (0.140) (0.010)

3.375 (0.700) (0.590) (0.500) 3.750 (0.700) (0.560) (0.420) 3.375 (0.610) (0.490) (0.370)

3.500 (0.940) (0.840) (0.740) 3.875 (1.110) (0.980) (0.840) 3.500 (0.870) (0.760) (0.640)

3.625 (1.160) (1.050) (0.950) 4.000 (1.410) (1.280) (1.140) 3.625 (1.090) (0.980) (0.860)

3.750 (1.340) (1.240) (1.140) 4.125 (1.670) (1.550) (1.410) 3.750 (1.320) (1.200) (1.080)

3.875 (1.490) (1.390) (1.290) 4.250 (1.950) (1.820) (1.680) 3.875 (1.520) (1.410) (1.290)

4.000 (1.610) (1.510) (1.410) 4.375 (2.170) (2.040) (1.900) 4.000 (1.670) (1.560) (1.440)

No MI

FICO / LTV (HCLTV) <= 60% 60.01 - 65.00% 65.01 - 70.00% 70.01 - 75.00% 75.01 - 80.00% 80.01 - 85.00%

700- 719 (0.125) 0.375 0.625 N/A N/A N/A

720- 739 (0.250) 0.125 0.375 0.625 1.000 N/A

740- 759 (0.375) (0.125) 0.000 0.375 0.625 N/A

>=760 (0.500) (0.375) (0.250) 0.000 0.250 1.375

Loan Amounts <= 60% 60.01 - 65.00% 65.01 - 70.00% 70.01 - 75.00% 75.01 - 80.00% 80.01 - 85.00%

<= $1,000,000 (0.250) (0.250) (0.125) 0.000 0.000 0.000

$1,000,001 - $1,500,000 (0.250) 0.000 0.125 0.250 0.375 N/A

$1,500,001 - $2,000,000 (0.125) 0.000 0.250 0.375 N/A N/A

$2,000,001 - $2,500,000 0.000 0.125 0.250 N/A N/A N/A

Purpose / Property <= 60% 60.01 - 65.00% 65.01 - 70.00% 70.01 - 75.00% 75.01 - 80.00% 80.01 - 85.00%

Cash Out 0.375 0.375 0.375 N/A N/A NA

2 Unit 0.250 0.250 N/A N/A N/A NA

2nd Home 0.125 0.250 0.375 0.750 1.000 NA

Investment 1.250 1.750 2.250 N/A N/A N/A

Purchase (0.375) (0.375) (0.375) (0.375) (0.375) (0.250)

CA State Adj (30 Yr Fixed Term) (0.250) (0.250) (0.250) (0.125) 0.000 0.250

CA State Adj (5/7/10 yr Arm) 0.000 0.125 0.125 0.125 0.250 0.375

Product <= 60% 60.01 - 65.00% 65.01 - 70.00% 70.01 - 75.00% 75.01 - 80.00% 80.01 - 85.00%

5/1 Arm 0.000 0.000 0.000 0.000 0.000 (0.375)

7/1 Arm 0.000 0.000 0.000 0.000 0.000 (0.250)

10/1 Arm 0.000 0.000 0.000 0.000 0.000 0.500

15 Year Fixed 0.000 0.000 0.000 0.125 0.250 (0.500)

30 Year Fixed 0.000 0.000 0.000 0.000 0.000 0.000

With Escrows (0.125)

Jumbo Locks - Effective with locks after 05-13-16

• All Jumbo locks must be credit approved prior to lock.• All self-employed jumbo loans which need 2015 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.

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

Loan Amount & LTV, CLTV (HCLTV) LLPAs for all Loans -- Add to Price

FICO & LTV/ HCLTV LLPAs for all Loans -- Add to Price

9/5/17 8:43 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

Gold Program Jumbo LLPAs

1.71289%1 Yr Libor

5/1 LIBOR ARM Super Jumbo

Margin 2.250 - Caps 2/2/5

10/1 LIBOR ARM Super Jumbo

Margin 2.250 - Caps 2/2/5

7/1 LIBOR ARM Super Jumbo

Margin 2.250 - Caps 2/2/5

Escrow LLPAs for all Loans -- Add to Price

Loan Amount & LTV, CLTV (HCLTV) LLPAs for all Loans -- Add to Price

Purpose / Property & LTV, CLTV (HCLTV) LLPAs for all Loans -- Add to Price

Max Net Rebate

6 Gold Jumbo

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Rates as of

Gold 90 Program - Jumbo Fixed Rate Mortgages - QM LOS Plan 552

MORRIS Plan 566Rate 15 Day 30 Day 45 Day Loan Amount 30 Yr

5.000 (1.200) (1.000) (0.790) < $1,000,000 -1.725 4.875 (0.790) (0.580) (0.380) > $1,000,000 -1.2254.750 (0.390) (0.180) 0.020 4.625 0.020 0.230 0.440

4.500 0.610 0.820 1.030 4.375 1.230 1.440 1.640

4.250 1.870 2.070 2.260

80.01-85 85.01-90

FICO / LTV (HCLTV) No MI No MI

661-679 NA NA

680-699 NA NA

700-719 NA NA

720-739 0.375 0.625

740-759 0.000 0.250

≥ 760 (0.250) 0.000

Loan Amounts 80.01-85 85.01-90

<= $1,000,000 0.000 0.000

$1,000,001 - $1,500,000 0.375 0.375

$1,500,001 - $2,000,000 N/A N/A

$2,000,001 - $2,500,000 N/A N/A

Purpose / Property 80.01-85 85.01-90

Cash Out NA NA

2 Unit NA NA

3-4 Units NA NA

Second Home NA NA

Investment NA NA

Purchase (0.375) (0.375)

Non-War. Condo NA NA

Condo-Hotel NA NA

CA State Adj 0.125 0.250

Product 80.01-85 85.01-90

5/1 Arm N/A N/A

7/1 Arm N/A N/A

10/1 Arm N/A N/A

15 Year Fixed N/A N/A

30 Year Fixed 0.000 0.000

With Escrows (0.250) (0.250)

Purpose / Property & LTV, CLTV (HCLTV) LLPAs for all Loans -- Add to Price

Loan Amount & LTV, CLTV (HCLTV) LLPAs for all Loans -- Add to Price

Escrow LLPAs for all Loans -- Add to Price

** Loan must be approved in order to lock

Gold 90 Program Jumbo LLPAs

Loan Amount & LTV, CLTV (HCLTV) LLPAs for all Loans -- Add to Price

9/5/17 8:43 AM

30 Year Super Jumbo Fixed Rate Max Net Rebate

** Max YSP cannot exceed max

net rebate above

** A full ALTA is required for all

Gold Jumbo products

FICO & LTV/ HCLTV LLPAs for all Loans -- Add to Price

7 Gold Jumbo90

Page 8: Wholesale Rate Sheet - Fremont Bank · Wholesale Rate Sheet Rates as of Announcements - Weekly Turn Times ... Send request on lock form to locks@fremontbank.com before 4:00PM PT on

Rates as of

Gold Plus Program - Jumbo Fixed Rate Mortgages - Non-QM LOS Plan 551

MORRIS Plan 562Rate 15 Day 30 Day 45 Day Loan Amount 30 Yr

4.000 0.810 1.000 1.200 < $1,000,000 -2.225 4.125 0.330 0.530 0.740 > $1,000,000 -1.7254.250 (0.120) 0.080 0.280 4.375 (0.580) (0.370) (0.160)

4.500 (1.000) (0.790) (0.580) 4.625 (1.350) (1.140) (0.940)

4.750 (1.740) (1.540) (1.340) 4.875 (2.100) (1.900) (1.710) 5.000 (2.410) (2.220) (2.020) 5.125 (2.700) (2.500) (2.310)

FICO / LTV (HCLTV) <= 60% 60.01 - 65.00% 65.01 - 70.00% 70.01 - 75.00% 75.01 - 80.00%

700- 719 (0.125) 0.375 N/A N/A N/A

720- 739 (0.250) 0.125 0.375 0.625 N/A

740- 759 (0.375) (0.125) 0.000 0.375 0.625

>=760 (0.500) (0.375) (0.250) 0.000 0.250

Loan Amounts <= 60% 60.01 - 65.00% 65.01 - 70.00% 70.01 - 75.00% 75.01 - 80.00%

<= $1,000,000 (0.250) (0.250) (0.125) 0.000 0.000

$1,000,001 - $1,500,000 (0.250) 0.000 0.125 0.250 N/A

$1,500,001 - $2,000,000 (0.125) 0.000 0.250 N/A N/A

$2,000,001 - $2,500,000 N/A N/A N/A N/A N/A

Purpose / Property <= 60% 60.01 - 65.00% 65.01 - 70.00% 70.01 - 75.00% 75.01 - 80.00%

Cash Out 0.375 0.375 0.375 N/A N/A

2 Unit 0.250 0.250 N/A N/A N/A

2nd Home 0.250 0.375 0.500 N/A N/A Condo High 0.000 0.000 0.000 0.000 0.000

Purchase (0.375) (0.375) (0.375) (0.375) (0.375)

CA State Adj 0.125 0.250 0.375 0.375 0.375

Product <= 60% 60.01 - 65.00% 65.01 - 70.00% 70.01 - 75.00% 75.01 - 80.00%

5/1 Arm N/A N/A N/A N/A N/A

7/1 Arm N/A N/A N/A N/A N/A

10/1 Arm N/A N/A N/A N/A N/A

15 Year Fixed N/A N/A N/A N/A N/A

30 Year Fixed 0.000 0.000 0.000 0.000 0.000

With Escrows (0.125)

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 Super Jumbo Fixed Rate Max Net Rebate

Escrow LLPAs for all Loans -- Add to Price

9/5/17 8:43 AM

Gold Program Jumbo LLPAs

** DTI up to 50%

** Max YSP cannot exceed max

net rebate above

** A full ALTA is required for all

Gold Jumbo products

Purpose / Property & LTV, CLTV (HCLTV) LLPAs for all Loans -- Add to Price

Loan Amount & LTV, CLTV (HCLTV) LLPAs for all Loans -- Add to Price

FICO & LTV/ HCLTV LLPAs for all Loans -- Add to Price

Loan Amount & LTV, CLTV (HCLTV) LLPAs for all Loans -- Add to Price

** Loan must be approved in order

to lock

8 Gold Jumbo Plus

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Rates as of

FHA Program - Conforming & High Balance Fixed Rate First Mortgages * High Balance Loans over $417,000 need to be verified with HUD FHA mtg limits

LOS Plan 215

MORRIS Plan 303

LOS Plan 218

MORRIS Plan 313Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day

3.250 (1.510) (1.410) (1.310) 3.250 (0.300) (0.150) (0.040)

3.375 (2.090) (1.990) (1.890) 3.375 (0.830) (0.680) (0.570)

3.500 (2.650) (2.550) (2.440) 3.500 (1.330) (1.180) (1.070)

3.625 (3.070) (2.970) (2.860) 3.625 (1.680) (1.530) (1.420)

3.750 (3.650) (3.550) (3.430) 3.750 (2.060) (1.890) (1.760)

3.875 (4.170) (4.070) (3.950) 3.875 (2.510) (2.340) (2.210)

4.000 (4.650) (4.550) (4.430) 4.000 (2.890) (2.720) (2.600)

4.125 (4.850) (4.750) (4.630) 4.125 (3.030) (2.870) (2.740)

4.250 (4.950) (4.930) (4.790) 4.250 (3.270) (3.210) (3.060)

4.375 (5.280) (5.260) (5.120) 4.375 (3.530) (3.460) (3.310)

4.500 (5.500) (5.480) (5.340) 4.500 (3.770) (3.700) (3.560)

4.625 (4.080) (4.060) (3.910) 4.625 (2.830) (2.760) (2.620)

4.750 (5.630) (5.500) (5.340) 4.750 (2.040) (1.790) (1.620) 4.875 (5.430) (5.300) (5.140) 4.875 (2.170) (1.910) (1.750)

5.000 (5.430) (5.300) (5.140) 5.000 (2.130) (1.870) (1.700)

FHA Streamline Program - Conforming & High Balance Fixed Rate First Mortgages LOS Plan 221

MORRIS Plan 323

LOS Plan 221

MORRIS Plan 324

LOS Plan 222

MORRIS Plan 332Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day

3.250 (1.510) (1.410) (1.310) 2.750 (0.520) (0.440) (0.360) 3.250 (0.150) 0.000 0.100

3.375 (2.090) (1.990) (1.890) 2.875 (0.880) (0.790) (0.720) 3.375 (0.680) (0.530) (0.420)

3.500 (2.650) (2.550) (2.440) 3.000 (1.230) (1.150) (1.070) 3.500 (1.180) (1.030) (0.920)

3.625 (3.070) (2.970) (2.860) 3.125 (0.650) (0.570) (0.490) 3.625 (1.530) (1.380) (1.270)

3.750 (3.650) (3.550) (3.430) 3.250 (2.330) (2.260) (2.160) 3.750 (1.910) (1.740) (1.610)

3.875 (4.170) (4.070) (3.950) 3.375 (2.650) (2.570) (2.480) 3.875 (2.360) (2.190) (2.060)

4.000 (4.650) (4.550) (4.430) 3.500 (2.880) (2.810) (2.710) 4.000 (2.740) (2.570) (2.450)

4.125 (4.850) (4.750) (4.630) 3.625 (3.180) (3.110) (3.010) 4.125 (2.880) (2.720) (2.590)

4.250 (4.950) (4.930) (4.790) 3.750 (3.350) (3.300) (3.180) 4.250 (3.120) (3.060) (2.910)

4.375 (5.280) (5.260) (5.120) 3.875 (3.510) (3.460) (3.340) 4.375 (3.380) (3.310) (3.160)

4.500 (5.500) (5.480) (5.340) 4.000 (3.570) (3.520) (3.400) 4.500 (3.620) (3.550) (3.410)

4.625 (4.080) (4.060) (3.910) 4.625 (2.680) (2.610) (2.470)

4.750 (5.630) (5.500) (5.340) 4.750 (1.890) (1.640) (1.470)

4.875 (5.430) (5.300) (5.140) 4.875 (2.020) (1.760) (1.600)

5.000 (5.430) (5.300) (5.140) 5.000 (1.980) (1.720) (1.550)

All Loans

-0.25

0

0.5

-0.125

0.125

0.375

0.75

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.

> $625,500 < 95% 1.00 1.75

> $625,500 > 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

1.05 1.75 > $625,500

0.85

Base Loan Amount Base Loan Amount

> 95% 0.95

0.70 < 95%> $625,500

0.70

Terms > 15 Years

LTV

< $625,500

1.75

Annual MIP

< $625,500

Term <= 15 Years

1.75 < $625,500

< 95%

> 95%

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

0.45

1.75

1.75

Upfront MIP

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

< 95%

Upfront MIP

0.80

LTV

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

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

FICO

1.75

Purchase Loan

9/5/17 8:43 AM

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

< $625,500 > 95%

Annual MIP

720 +

1.75

9 FHA rate

Page 10: Wholesale Rate Sheet - Fremont Bank · Wholesale Rate Sheet Rates as of Announcements - Weekly Turn Times ... Send request on lock form to locks@fremontbank.com before 4:00PM PT on

Wholesale Portfolio Ratesheet

5/1 Libor Portfolio ARM (Fully Amortized Only) 1 YR LIBOR 1.7129%

LOS Plan 406

MORRIS Plan 403Loan Price Note Rate Margin

406/403 5/1ARM 0.000 3.500% 2.875%

406/403 5/1ARM (1.000) 3.625% 2.875%

406/403 5/1ARM (1.250) 3.750% 2.875%

406/403 5/1ARM (1.500) 3.875% 2.875%

LOS Plan 406

MORRIS Plan 403Loan Price Note Rate Margin

406/403 5/1ARM 0.000 3.750% 3.250%

406/403 5/1ARM (1.000) 3.875% 3.250%

406/403 5/1ARM (1.250) 4.000% 3.250%

406/403 5/1ARM (1.500) 4.125% 3.250%

Purchase Special (a) -0.250 Non- Warrantable Condo (b) 0.500

Condo Adjustment 0.125 2-4 Unit Property 0.125

Cash Out > $100,000 - $250,000 0.125 Asset Depletion 0.250

Cash Out > $250,000 - $500,000 0.250 Alternative Income 0.250

>75%- 80% LTV 0.125 Alternative Credit Program 0.500

> 760 FICO -0.125 > 10 financed properties (c) 0.500

700-719 FICO 0.125 Short Sale 2-4 years seasoning 0.500

680-699 FICO 0.375 Short Sale >4 years seasoning 0.250

DTI >43% - 45% 0.250 Cash Out > $500,000 0.500

DTI >45% - 48% 0.500 BK > 4 years 0.250

5-10 financed properties (c) 0.250 Seasoned Foreclosure > 7 years 0.500

File Complexity (d) 0.250

(a) Purchase Specials Not Applicable for: Major Derogatory Credit and Outside Footprint Interest Only 0.250

(b) Non-Warrantable Condo adjustment is in addition to standard condo adjustment if applicable. NOO Non-Warrantable Condos are not allowed

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

(d) File Complexity: 2 or more of following -Irrevocable Trust, >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%

65% 70%

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.

Second Home

Primary

Occupancy

Program Exceptions below are considered

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

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

LOAN LEVEL PRICING ADJUSTMENTS: LLPA's

RATE ADJUSTMENTS : Add to RateAll Adjustments are independent of each other

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

Loan Amount and LTV Limitations

• Fully Amortizing and Interest Only•Loan Amount

Investment Property - Interest Only

Investment Property - Fully Amortizing

RATE LOCK AND SUBMISSION REQUIREMENTS

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

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

Accuracy is Critical. BE SURE to indicate retirement accounts.

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

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

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

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

Investment Property & Second Home > 4

financed

R&T/CO

R&T/CO

5%/2%/5%

Caps Prepay

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

RATE ADJUSTMENTS : Add to Rate

Lock TermPurpose

R&T/CO

9/5/2017

45 Days

Prepay

PORTFOLIO PROGRAM PRICING: Primary and Second Home Residences

5%/2%/5%

NONE

NONE

Purpose

R&T/CO 5%/2%/5%

Lock Term

45 Days

Caps

45 Days

45 Days

PORTFOLIO PROGRAM PRICING: Investment Property Residences

5%/2%/5%

R&T/CO NONE

NONE

All Adjustments are independent of each other

Exceptions need approval prior to lock/submission (contact your AE)

5%/2%/5% NONE 45 Days

NONE 45 Days

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

NONE

NONE 45 Days

R&T/CO 5%/2%/5%

R&T/CO 5%/2%/5%

R&T/CO 5%/2%/5%

45 Days

Page 11: Wholesale Rate Sheet - Fremont Bank · Wholesale Rate Sheet Rates as of Announcements - Weekly Turn Times ... Send request on lock form to locks@fremontbank.com before 4:00PM PT on

Wholesale Portfolio Ratesheet

7/1 Libor Portfolio ARM (Fully Amortized Only) 1 YR LIBOR 1.7129%

LOS Plan 407

MORRIS Plan 408Loan Price Note Rate Margin

407/408 7/1ARM 0.000 3.750% 2.875%

407/408 7/1ARM (1.000) 3.875% 2.875%

407/408 7/1ARM (1.125) 4.000% 2.875%

407/408 7/1ARM (1.250) 4.125% 2.875%

LOS Plan 407

MORRIS Plan 408Loan Price Note Rate Margin

407/408 7/1ARM 0.000 4.000% 3.250%

407/408 7/1ARM (1.000) 4.125% 3.250%

407/408 7/1ARM (1.125) 4.250% 3.250%

407/408 7/1ARM (1.250) 4.375% 3.250%

Purchase Special (a) -0.250 Non- Warrantable Condo (b) 0.500

Condo Adjustment 0.125 2-4 Unit Property 0.125

Cash Out > $100,000 - $250,000 0.125 Asset Depletion 0.250

Cash Out > $250,000 - $500,000 0.250 Alternative Income 0.250

>75%- 80% LTV 0.125 Alternative Credit Program 0.500

> 760 FICO -0.125 > 10 financed properties (c) 0.500

700-719 FICO 0.125 Short Sale 2-4 years seasoning 0.500

680-699 FICO 0.375 Short Sale >4 years seasoning 0.250

DTI >43% - 45% 0.250 Cash Out > $500,000 0.500

DTI >45% - 48% 0.500 BK > 4 years 0.250

5-10 financed properties (c) 0.250 Seasoned Foreclosure > 7 years 0.500

File Complexity (d) 0.250

(a) Purchase Specials Not Applicable for: Major Derogatory Credit and Outside Footprint Interest Only 0.250

(b) Non-Warrantable Condo adjustment is in addition to standard condo adjustment if applicable. NOO Non-Warrantable Condos are not allowed

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

(d) File Complexity: 2 or more of following -Irrevocable Trust, >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%

65% 70%

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.

All Adjustments are independent of each other

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

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.

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

R&T/CO 5%/2%/5% NONE 45 Days

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

Loan Amount and LTV Limitations

• Fully Amortizing and Interest ONLY•

LOAN LEVEL PRICING ADJUSTMENTS: LLPA's Program Exceptions below are considered

All Adjustments are independent of each other RATE ADJUSTMENTS : Add to Rate

RATE ADJUSTMENTS : Add to Rate Exceptions need approval prior to lock/submission (contact your AE)

R&T/CO 5%/2%/5% NONE 45 Days

R&T/CO 5%/2%/5% NONE 45 Days

PORTFOLIO PROGRAM PRICING: Investment Property Residences

Purpose Caps Prepay Lock Term

R&T/CO 5%/2%/5% NONE 45 Days

R&T/CO 5%/2%/5% NONE 45 Days

R&T/CO 5%/2%/5% NONE 45 Days

R&T/CO 5%/2%/5% NONE 45 Days

R&T/CO 5%/2%/5% NONE 45 Days

9/5/2017

PORTFOLIO PROGRAM PRICING: Primary and Second Home Residences

Purpose Caps Prepay Lock Term

Occupancy Loan Amount

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

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

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

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

Page 12: Wholesale Rate Sheet - Fremont Bank · Wholesale Rate Sheet Rates as of Announcements - Weekly Turn Times ... Send request on lock form to locks@fremontbank.com before 4:00PM PT on

Rates as of 9/5/17 8:43 AM

Home Equity Line of Credit - Prime Combo

Rates & TermsPrimary Second Home Investment

Base Start Rate1 5.250% 5.500% 6.750%HCLTV

> 75% to < 80%+0.500%

Index WSJ Prime Rate is 4.25% as of Tuesday, September 05, 2017HCLTV

> 80% to < 85%+1.000%

Base Margin +1.000% +1.250% +2.500%HCLTV

> 85% to < 89.99%+1.500%

Floor Rate 2.990% 2.990% 4.990%

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

(limited to the following counties)

See guidelines for details

HelocGuide

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 Base Start Rate includes index + margin. For total rate add all applicable margin adjustments to the base start rate.

18%

+0.250%

+0.125%

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

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

$75.00 (Promo: Waived for first 3 Years - expires December 31, 2017)

$95.00 (Promo: Waived Set up fee - expires December 31, 2017)

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

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

12 HELOC

Page 13: Wholesale Rate Sheet - Fremont Bank · Wholesale Rate Sheet Rates as of Announcements - Weekly Turn Times ... Send request on lock form to locks@fremontbank.com before 4:00PM PT on

Rates as of 9/5/17 8:43 AM

Home Equity Line of Credit - 360 ComboRates & Terms

Primary Second Home Investment

Base Start Rate1 5.000% 5.500% 6.750%HCLTV

> 75% to < 80%+0.500%

Index WSJ Prime Rate is 4.25% as of Tuesday, September 05, 2017HCLTV

> 80% to < 85%+1.000%

Base Margin+0.750%

+1.250% +2.500%HCLTV

> 85% to < 89.99%+1.500%

Floor Rate 2.990% 2.990% 4.990%

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

(limited to the following counties)

See guidelines for details

Heloc360Guide

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.

Margin Adjustment

+0.250%

+0.125%

18%

Adjustable Rate

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

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 - expires December 31, 2017)

$95.00 (Promo: Waived Set up fee - expires December 31, 2017)

$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.

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

13 HELOC 360

Page 14: Wholesale Rate Sheet - Fremont Bank · Wholesale Rate Sheet Rates as of Announcements - Weekly Turn Times ... Send request on lock form to locks@fremontbank.com before 4:00PM PT on

Rates as of

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.

310-614-1699

Scott Parrott 949-297-1166 [email protected] Southern California

Name

San Gabriel, South LA/North Orange

949-435-9383

San Diego858-243-5659

Abdul Aref 949-466-6644

Kris Varia 949-633-2806 [email protected] Orange County

[email protected]

[email protected] Kalem

Lisa Kocsis

408-390-7579

Contact # Email Address Region

[email protected]

Celia Margison 310-902-7970 [email protected] Los Angeles, Ventura

Howard Goldman

[email protected]

510-331-1503

Royal Gooden 

South Bay

Joe Melo

Arnie Abramo

510-731-7855

[email protected]

Ken Owens [email protected]

Email AddressContact #

Account Exec. Region

Name

ACCOUNT EXECUTIVES

510-589-7043

Region

Contra Costa/Alameda Co.

Sales Manager: Southern- Cal

[email protected]

Mark Panella Sales Manager: Northern- Cal

Email Address

510-435-9940

ACCOUNT EXECUTIVES

9/5/17 8:43 AM

WHOLESALE SALES TEAMS

NORTHERN CALIFORNIA

[email protected]

Sacramento

Contact #

925-724-8721 San Francisco/North Bay

Name

Mark Levitch

Contact #

East Bay

[email protected]

South Bay/Peninsula/Central Coast

Account Exec. Region

[email protected]

Scott McCarthy

Jillian Polce

SALES SUPPORT

Mike Cook

Name

916-943-6880

Email Address

SOUTHERN CALIFORNIA

[email protected]

[email protected]

909-851-2938John Chang

714-262-1801

Contact #

[email protected]

[email protected]

Name

Orange County, LA

Email Address

Region

[email protected]

[email protected]

Scott Borst

619-541-0946 San Diego

San Fernando Valley/Los Angeles

Orange County/Los Angeles

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

Los Angeles/Orange County

LA, Ventura & Santa Barbara

George Caramihai 818-269-9966

14 contact info