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PageAgency/Agency No MI Pg.2
Agency ARMs Pg.2
Agency TX Home Equity Pg.2
Agency High Balance/Agency No MI High Balance Pg.2
Fannie Mae HomeReady Pg.2
Agency Price Adjustments Pg.3
Agency No MI Adjustments Pg.3
Agency High Balance Adjustments Pg.3
Fannie Mae HomeReady Adjustments Pg.3
Agency LP/Agency LP No MI Pg.4
FHLMC Super Conf/FHLMC Super Conf No MI Pg.4
Agency LP/FHLMC Super Conf Price Adjustments Pg.5
FNMA DU Refi Plus Pg.6
Agency Portfolio/Agency Portfolio No MI Pg.6
FNMA DU Refi Plus Adjustments Pg.7
Agency Portfolio Price Adjustments Pg.7
Agency Portfolio NO MI Adjustments Pg.7
FHA Pg.8
FHA Streamline Refinance Pg.8
FHA High Balance Pg.8
FHA High Balance Streamline Refinance Pg.8
FHA Portfolio Pg.8
USDA/Rural Housing Pg.8
VA Pg.8
VA High Balance Pg.8
VA IRRRL/VA IRRRL High Balance Pg.8
FHA/VA/USDA Price Adjustments Pg.8 Doc & Funding Cut-Off DatesDiamond Jumbo Pg.9 Last day to fund FHA/VA loans with 5/1 payment 04/06/18
Platinum Jumbo Pg.9 Last day to fund Agency loans with 5/1 payment 04/10/18
Silver Medal Jumbo Pg.9 Last day to Doc Streamlines for April Funding 04/24/18
Diamond Price Adjustments Pg.10 Last day to fund Streamlines for March Funding 04/30/18
Platinum/Silver Medal Price Adjustments Pg.11 Last day to Draw Docs with May 1st Payment 04/28/18
Niche Jumbo/Alternative Access/Non-Prime Advantage Pg.12Niche Jumbo/Alternative Access/Non-Prime Advantage LLPA'sPg.13 Lock Desk InfoClosed End Second Liens Pg.14 Lock Cut-off (Govt & Agency Fixed Programs) 5:00 pm PSTLender Fees Lock Cut-off (All ARMs & All Jumbo Programs) 3:30 pm PST
Underwriting Fee - (FL, LA, TN only) $990.00 Lock Online (available till 5:00 pm PST) http://tpo.prmg.net/
Underwriting Fee - (SC only) $895.00 Email Link to Manual Lock Form;
Commitment Fee - (NC only) $895.00
FHA Streamlines/VA IRRRLs (FL, LA, TN only) $590.00 www.eprmg.net/PRMG%20Manual%20Lock%20Request%20Form%20(Editable).pdf
FHA Streamlines/VA IRRRLs (NC & SC only) $495.00 Secondary Fax 951-278-5633
*NO Fee Option (Use No Fee Calculator to determine fee in bps) Extensions & Re-Locks Secondary@prmg.net
www.eprmg.net/NoFeeCalculator.xls
Mortgagee ClauseParamount Residential Mortgage Group, INC.
Its Successors and/or Assigns Lock Expiration Dates1265 Corona Pointe Court Ste. 301 15 Days 05/09/18
Corona, California 92879 30 Days 05/24/18
45 Days 06/08/18Approved States 60 Days 06/23/18
Alaska Missouri
Alabama Montana Lock Extension PolicyArizona New Hampshire 1-5 Days 0.125
Arkansas New Jersey 6-10 Days 0.250
California New Mexico 11-15 Days 0.375
Colorado Nebraska 16-20 Days 0.500
Connecticut Nevada 21-25 Days 0.625
Delaware North Carolina 26-30 Days 0.750
District of Columbia North DakotaFlorida Ohio Extended Rate Lock TermsGeorgia Oklahoma 45 Days .100 in fee
Idaho Oregon 60 Days .450 in fee
Indiana Pennsylvania
Illinois Rhode Island
Iowa South Carolina
Kansas South DakotaKentucky Tennessee Market UpdateLouisiana Texas 1 Yr Libor 2.769
Maine Utah 1 Yr T-Bill 2.250
Maryland Vermont 6 Mo Libor 2.516
Massachusetts Virginia Prime Rate 4.750
Michigan Washington 10 Yr Bond 3.010
Minnesota West Virginia 30 Yr Bond 3.190
Mississippi WisconsinAverage Prime Offer Rates
PRMG Website 30/40 Yr Fixed 4.510
FT360 http://tpo.prmg.net/ 15/20 Yr Fixed 4.000
10 Yr Fixed 3.870Scenario Pricer 1/1 ARM 4.810
For On-line Rate/Price quotes, log on to our Scenario 3/1 ARM 4.620
Pricer at: http://tpo.prmg.net/ 5/1 ARM 4.480
7/1 ARM 4.380
10/1 ARM 4.250
WHOLESALE REGIONAL OPERATING CENTERSWestern Region Dave Pilotte, RVP (951) 278-0000 Northeast Region Herb Lewis, DVP (866) 776-4937
Western Region Herb Lewis, DVP (866) 776-4937 Southeast Region Herb Lewis, DVP (866) 776-4937
Pacific Northwest Region Herb Lewis, DVP (866) 776-4937 Midwest Region Herb Lewis, DVP (866) 776-4937
Mountain Region Michael J. Miller, RVP (303) 957-8390
Southwest Region Joe Spangenberg, RVP (602) 977-7764
Rate Sheet: Whls-1004
The above fees are applied to the 30 day price.
Applicable to only Govt & Conv-Conf Loan Programs. Contact Secondary for fees
on all other programs.
This is not an advertisement pursuant to 12 C.F.R. 1026.2(a)(2). This is informational material intended for real estate business professionals only and is not for distribution
to consumers or prospective applicants for residential mortgage loans. Interest rate, terms and programs are subject to change without notice. © 2014 Paramount
Residential Mortgage Group, Inc. 1265 Corona Pointe Court, Corona, CA 92879. All Rights Reserved. NMLS ID 75243.
Base Pricing Assumes Borrower Paid Compensation
Wholesale Rates effective until 5:00 pm PDT (In an occurrence of a Price Change, Notification will be sent)
Table of Contents PRMG NewsProducts
Page 1
7:30AM Wholesale Rates effective until 5:00 pm PDT, ARMs until 3:30 pm PDT (In an occurrence of a Price Change, Notification will be sent)
30/25 Yr Fixed 20 Yr Fixed 15 Yr Fixed 10 Yr FixedAgency/Agency No MI Agency/Agency No MI Agency/Agency No MI Agency/Agency No MI
Rate 15 30 Rate 15 30 Rate 15 30 Rate 15 30
5.250% (4.633) (4.433) 5.000% (3.870) (3.670) 4.500% (2.895) (2.695) 4.250% (1.963) (1.763)
5.125% (4.053) (3.853) 4.875% (3.412) (3.212) 4.375% (2.471) (2.271) 4.125% (1.522) (1.322)
5.000% (3.360) (3.160) 4.750% (3.014) (2.814) 4.250% (2.058) (1.858) 4.000% (1.202) (1.002)
4.990% (3.280) (3.080) 4.625% (2.575) (2.375) 4.125% (1.767) (1.567) 3.875% (0.909) (0.709)
4.875% (2.914) (2.714) 4.500% (2.104) (1.904) 4.000% (1.270) (1.070) 3.750% (0.608) (0.408)
4.750% (2.319) (2.119) 4.375% (1.494) (1.294) 3.875% (0.816) (0.616) 3.625% 0.158 0.358
4.625% (1.806) (1.606) 4.250% (1.030) (0.830) 3.750% (0.347) (0.147) 3.500% 0.474 0.674
4.500% (1.124) (0.924) 4.125% (0.227) (0.027) 3.625% 0.068 0.268 3.375% 0.741 0.941
4.375% (0.609) (0.409) 4.000% 0.339 0.539 3.500% 0.633 0.833 3.250% 1.007 1.207
4.250% 0.082 0.282 3.875% 0.944 1.144 3.375% 1.108 1.308 3.125% 1.742 1.942
4.125% 0.704 0.904 3.750% 1.596 1.796 3.250% 1.551 1.751 3.000% 2.417 2.617
4.000% 1.294 1.494 3.625% 2.423 2.623 3.125% 2.002 2.202 2.875% 2.880 3.080
3.990% 1.374 1.574 3.500% 3.200 3.400 3.000% 3.017 3.217 2.750% 3.267 3.467
5/1 Libor ARM 7/1 Libor ARM 10/1 Libor ARMAgency/Agency No MI Agency/Agency No MI Agency/Agency No MI
Start Rate 15 30 Start Rate 15 30 Start Rate 15 30
4.250% (0.977) (0.727) 4.500% (1.258) (1.008) 4.375% (1.005) (0.755)
4.125% (0.696) (0.446) 4.375% (1.017) (0.767) 4.250% (0.626) (0.376)
4.000% (0.431) (0.181) 4.250% (0.763) (0.513) 4.125% (0.239) 0.011
3.875% (0.158) 0.092 4.125% (0.481) (0.231) 4.000% (0.046) 0.204
3.750% 0.143 0.393 4.000% (0.165) 0.085 3.875% 0.656 0.906
3.625% 0.202 0.452 3.875% 0.159 0.409 3.750% 0.882 1.132
3.500% 0.791 1.041 3.750% 0.270 0.520 3.625% 1.614 1.864
3.375% 0.885 1.135 3.625% 0.796 1.046 3.500% 2.117 2.367
3.250% 1.494 1.744 3.500% 0.945 1.195 3.375% 2.623 2.873
3.125% 1.855 2.105 3.375% 1.593 1.843 3.250% 3.102 3.352
3.000% 2.217 2.467 3.250% 1.992 2.242 3.125% 3.606 3.856
2.875% 2.592 2.842 3.125% 2.395 2.645 3.000% 4.300 4.550
Agency/Agency No MI Agency/Agency No MI
Rate 15 30 Rate 15 30 Rate 15 30 Rate 15 30
5.250% (3.853) (3.653) 4.500% (1.790) (1.590) 5.000% (3.360) (3.160) 4.500% (2.895) (2.695)
5.125% (3.353) (3.153) 4.375% (1.479) (1.279) 4.875% (2.864) (2.664) 4.375% (2.471) (2.271)
5.000% (3.054) (2.854) 4.250% (1.235) (1.035) 4.750% (2.319) (2.119) 4.250% (2.058) (1.858)
4.875% (2.836) (2.636) 4.125% (0.890) (0.690) 4.625% (1.756) (1.556) 4.125% (1.767) (1.567)
4.750% (2.306) (2.106) 4.000% (0.730) (0.530) 4.500% (1.124) (0.924) 4.000% (1.270) (1.070)
4.625% (1.744) (1.544) 3.875% (0.291) (0.091) 4.375% (0.609) (0.409) 3.875% (0.816) (0.616)
4.500% (1.104) (0.904) 3.750% 0.117 0.317 4.250% 0.082 0.282 3.750% (0.347) (0.147)
4.375% (0.493) (0.293) 3.625% 0.651 0.851 4.125% 0.704 0.904 3.625% 0.068 0.268
4.250% 0.086 0.286 3.500% 1.041 1.241 4.000% 1.294 1.494 3.500% 0.633 0.833
4.125% 0.853 1.053 3.375% 1.464 1.664 3.990% 1.374 1.574 3.375% 1.108 1.308
4.000% 1.540 1.740 3.250% 1.891 2.091 3.875% 2.098 2.298 3.250% 1.551 1.751
3.875% 2.266 2.466 3.125% 2.598 2.798 3.750% 2.855 3.055 3.125% 2.002 2.202
3.750% 2.990 3.190 3.000% 3.562 3.762 3.625% 3.599 3.799 3.000% 3.017 3.217
Agency/Agency No MI Agency/Agency No MI
Start Rate 15 30 Start Rate 15 30
4.250% (1.093) (0.843) 4.375% (1.153) (0.903)
4.125% (0.530) (0.280) 4.250% (0.787) (0.537)
4.000% (0.262) (0.012) 4.125% (0.736) (0.486)
3.875% 0.009 0.259 4.000% (0.204) 0.046
3.750% 0.308 0.558 3.875% 0.109 0.359
3.625% 0.295 0.545 3.750% 0.430 0.680
3.500% 0.645 0.895 3.625% 0.788 1.038
3.375% 0.995 1.245 3.500% 0.778 1.028
3.250% 1.343 1.593 3.375% 1.175 1.425
3.125% 1.694 1.944 3.250% 1.573 1.823
3.000% 2.040 2.290 3.125% 1.972 2.222
2.875% 2.389 2.639 3.000% 2.378 2.628
30 Yr Fixed 5/1 ARMRate 15 30 Rate 15 30
5.125% (3.743) (3.543) 3.875% 0.636 0.886
5.000% (3.202) (3.002) 3.750% 0.942 1.192
4.875% (2.690) (2.490) 3.625% 1.258 1.508
4.750% (2.158) (1.958) 3.500% 1.564 1.814
4.625% (1.646) (1.446) 3.375% 1.879 2.129
4.500% (1.003) (0.803) 3.250% 2.215 2.465
4.375% (0.389) (0.189) 3.125% 2.560 2.810
4.250% 0.192 0.392 3.000% 2.884 3.134
4.125% 0.814 1.014 2.875% 3.198 3.448
4.000% 1.505 1.705 2.750% 3.492 3.742
3.990% 1.585 1.785 2.625% 3.815 4.065
3.875% 2.235 2.435 2.500% 4.108 4.358
3.750% 2.965 3.165
Rate Sheet: Whls-1004
FNMA HOMEREADY
2.25 Margin, 2/2/5 Caps
2.25 Margin, 2/2/5 Caps 2.25 Margin, 5/2/5 Caps
High Balance 15 Agency TX Home Eq 30 Agency TX Home Eq 15
High Balance 5/1 ARM High Balance 7/1 ARM
Base Pricing Assumes Borrower Paid Compensation
Wednesday, April 25, 2018
FNMA/FHLMC
AG
EN
CY
2.25 Margin, 2/2/5 Caps 2.25 Margin, 5/2/5 Caps 2.25 Margin, 5/2/5 Caps
High Balance 30
Page 2
7:30AM
Applicable to All Loan Amount Credit Score (Except Terms <=15 Yrs)** Loans $295k-Std Bal Limit (Agency Fixed & Agency No MI Fixed only) -0.250
** Loans $245k-$294,999 (Agency Fixed & Agency No MI Fixed only) -0.150 FICO <=60.00% 60.01-70.00%70.01-75.00%75.01-80.00% 80.01-85.00%85.01-90.00%90.01-95.00% 95.01-97.00%
** Loans $200k-$244,999 (Agency Fixed & Agency No MI Fixed only) -0.100 >=740 0.000 0.250 0.250 0.500 0.250 0.250 0.250 0.750
** Loans $100k-$139,999 0.250 720-739 0.000 0.250 0.500 0.750 0.500 0.500 0.500 1.000
** Loans $75k-$99,999 0.375 700-719 0.000 0.500 1.000 1.250 1.000 1.000 1.000 1.500
** Loans $50k - $74,999 0.500 680-699 0.000 0.500 1.250 1.750 1.500 1.250 1.250 1.500
** Loans $30k-$49,999 1.250 660-679 0.000 1.000 2.250 2.750 2.750 2.250 2.250 2.250Property Type 640-659 0.500 1.250 2.750 3.000 3.250 2.750 2.750 2.750
* 2 Units (Except High Balance,Super Conf, & HomeReady) 1.000 620-639 0.500 1.500 3.000 3.000 3.250 3.250 3.250 3.500* 2 Units (High Balance & Super Conf only) 1.000
* 3-4 Units (Except High Balance,Super Conf, & HomeReady) 1.000 Credit Score (In addition to all other adj)
* 3-4 Units (High Balance only) 1.500 ** Fico Scores > = 740 (Agency Std Bal Fixed & Agency Std Bal No MI Fixed only) -0.100
* 3-4 Units (Super Conf only) 1.000 Subordinate Financing* 2-4 Units (HomeReady only) 1.000
* Attached Condo >75% LTV (applicable only to terms >15 yrs) 0.750 LTV/FICO <=75% 75.01-80.00% 80.01-85.00%85.01-90.00%90.01-95.00% 95.01-97.00
Occupancy <=65% & FICO <720 0.375 0.375 0.875 0.875 0.875 1.875
* N/O/O up to 75% LTV (Except Super Conf) 2.125 <=65% & FICO >=720 0.375 0.375 0.625 0.625 0.625 1.875
* N/O/O up to 75% LTV (Super Conf only) 2.125 65.01-75% & FICO <720 0.375 0.375 1.125 1.125 1.125 1.875
* N/O/O LTV 75.01% to 80% (Except Super Conf) 3.375 0.375 0.375 0.875 0.875 0.875 1.875
* N/O/O LTV 75.01% to 80% (Super Conf only) 3.375 N/A 1.375 1.375 1.375 1.375 1.875
* N/O/O LTV 80.01% to 85% 4.125 N/A 1.125 1.125 1.125 1.125 1.875
Miscellaneous Cash-out (Except TX Home Equity)
** Purchase Bonus (Agency Std Bal Fixed & Agency Std Bal No MI Fixed only) -0.150
* Escrow Waiver (CA Only) 0.150 FICO <=60.00% 60.01-70.00%70.01-75.00%75.01-80.00% 80.01-85.00%
* Escrow Waiver (all other states) 0.250 >=740 0.375 0.625 0.625 0.875 n/a
* 7-10 Financed Properties (Applicable to N/O/O & 2nd home only) 1.000 720-739 0.375 1.000 1.000 1.125 n/a
* ARMs w/LTV 90.01-95% 0.250 700-719 0.375 1.000 1.000 1.125 n/a
** Down Payment Protection Feature (refer to Down Payment Protection Tab). 680-699 0.375 1.125 1.125 1.750 n/a
660-679 0.625 1.125 1.125 1.875 n/a
640-659 0.625 1.625 1.625 2.625 n/a
620-639 0.625 1.625 1.625 3.125 n/aCash-out and Rate&Term (TX Home Equity only)
FICO <=60.00% 60.01-70.00%70.01-75.00%75.01-80.00%
>=740 0.375 0.625 0.625 0.875
* Purchase & Rate/Term Refi 0.250 720-739 0.375 1.000 1.000 1.125
* Cash-out Refinance 1.000 700-719 0.375 1.000 1.000 1.125
* High Balance ARM <= 75% LTV 0.750 680-699 0.375 1.125 1.125 1.750
* High Balance ARM > 75% LTV 1.500 660-679 0.625 1.125 1.125 1.875
620-659 0.625 1.625 1.625 2.625
Applicable to 30 Yr Term (Agency No MI & Agency High Bal No MI)
FICO 80.01-85% 85.01-90% 90.01-95% FICO 80.01-85% 85.01-90% 90.01-95% 95.01-97% FICO
>=800 0.450 0.900 1.260 >=800 0.340 0.750 1.100 1.720 >=800 0.000
780-799 0.510 0.950 1.420 780-799 0.390 0.820 1.240 1.920 780-799 0.000
760-779 0.550 1.010 1.480 760-779 0.430 0.880 1.380 1.920 760-779 0.000
740-759 0.610 1.180 1.770 740-759 0.490 1.020 1.650 2.700 740-759 0.000
720-739 0.950 1.600 2.250 720-739 0.770 1.450 2.100 2.950 720-739 0.000
700-719 1.050 1.870 2.750 700-719 0.780 1.620 2.470 3.650 700-719 0.000
680-699 1.100 1.980 2.980 680-699 0.790 1.680 2.650 3.650 680-699 0.000
660-679 1.600 3.250 4.950 660-679 1.150 2.880 4.560 6.520 660-679 0.500
640-659 1.730 3.530 5.120 640-659 1.340 3.140 4.730 6.700 640-659 0.500
620-639 2.100 4.150 5.850 620-639 1.630 3.740 5.450 7.050 620-639 1.050
Applicable to <=20 Yr Term (Agency No MI & Agency High Bal No MI)
FICO 80.01-85% 85.01-90% 90.01-95% FICO FICO
>=800 0.310 0.670 1.010 >=800 0.250 >=800 0.000
780-799 0.310 0.680 1.040 780-799 0.300 780-799 0.000
760-779 0.310 0.720 1.050 760-779 0.300 760-779 0.000
740-759 0.330 0.860 1.430 740-759 0.300 740-759 0.000
720-739 0.890 1.220 1.890 720-739 0.500 720-739 0.000
700-719 0.920 1.290 2.710 700-719 0.700 700-719 0.550
680-699 0.940 1.290 2.710 680-699 0.700 680-699 0.550
660-679 1.100 1.420 3.790 660-679 1.230 660-679 1.050
640-659 1.100 1.560 3.990 640-659 1.230 640-659 1.050
620-639 1.100 1.850 4.590 620-639 1.300 620-639 1.100
Applicable to 30 Yr Term (HomeReady No MI only)
FICO 80.01-85% 85.01-90% 90.01-95% FICO 80.01-85% 85.01-90% 90.01-95% 95.01-97% FICO
>=800 0.450 0.900 1.300 >=800 0.340 0.750 1.100 1.600 >=800 0.000
780-799 0.510 0.950 1.380 780-799 0.390 0.820 1.240 1.750 780-799 0.000
760-779 0.550 1.010 1.460 760-779 0.430 0.880 1.380 1.750 760-779 0.000
740-759 0.610 1.180 1.700 740-759 0.490 1.020 1.650 2.240 740-759 0.000
720-739 0.950 1.600 2.050 720-739 0.770 1.450 2.100 2.350 720-739 0.000
700-719 1.050 1.870 2.700 700-719 0.780 1.620 2.470 2.780 700-719 0.000
680-699 1.100 1.980 2.980 680-699 0.790 1.680 2.650 2.810 680-699 0.000
660-679 1.600 3.250 4.200 660-679 1.150 2.880 4.560 4.680 660-679 0.500
640-659 1.730 3.530 4.400 640-659 1.340 3.140 4.730 4.810 640-659 0.500
620-639 2.100 4.150 5.000 620-639 1.630 3.740 5.450 5.100 620-639 1.050
Applicable to <=20 Yr Term (HomeReady No MI only)
FICO 80.01-85% 85.01-90% 90.01-95% FICO
>=800 0.310 0.670 1.010 >=800 0.000
780-799 0.310 0.680 1.040 780-799 0.000
760-779 0.310 0.720 1.050 760-779 0.000
740-759 0.330 0.860 1.430 740-759 0.000
720-739 0.890 1.220 1.890 720-739 0.000
700-719 0.920 1.290 2.710 700-719 0.550
680-699 0.940 1.290 2.710 680-699 0.550
660-679 1.100 1.420 3.790 660-679 1.050
640-659 1.100 1.560 3.990 640-659 1.050
620-639 1.100 1.850 4.590 620-639 1.100
LTV >80% & Fico >=680 0.000
All Other LTV & Fico 1.500
** These HomeReady LLPA's are NOT subject to the above LLPA Caps
All Fixed Rates 105.000
All ARM Rates 103.750
Rate Sheet: Whls-1004
HomeReady LLPA Caps
Maximum Rebate/Price Cap
2.530
2.890
2.890
4.650
4.850
5.090
95.01-97%
1.420
1.790
1.790
2.530
5.050
5.250
5.550
Applicable to R&T Refi's LTV (%) (HomeReady No MI only)
1.900
1.950
2.490
2.550
3.200
3.210
LTV (%) LTV (%) (HomeReady No MI only)
95.01-97%
1.750
3.640
6.490
6.740
7.050
Applicable to Lender Paid HomeReady No MI Programs (In addition to all other LLPAs)
Applicable to 25 Yr Term (HomeReady No MI only) Applicable to Loan Size >$453,100
1.550
1.830
1.840
2.640
2.960
3.620
Applicable to Second Homes Applicable to R&T Refi's LTV (%) (Agency No MI & Agency High Bal No MI) (Agency No MI & Agency High Bal No MI)
95.01-97%
3.100
3.900
3.960
6.900
7.090
7.450
95.01-97%
1.880
2.050
2.050
2.850
Applicable to Agency High Bal
(In addition to all other adj)
Applicable to Lender Paid Agency No MI Programs (In addition to all other LLPAs)
Applicable to 25 Yr Term (Agency No MI) Applicable to Loan Size >$453,100LTV (%) LTV (%) (Agency No MI & Agency High Bal No MI)
65.01-75% & FICO>=720
75.01-95% & FICO <720
75.01-95% & FICO >=720
LTV (%)
*If using a PRMG Closed End second, the PRMG 1st lien is subject to a
LLPA that will be manually added by Secondary and will be: 0.300
to the price.LTV (%)
Base Pricing Assumes Borrower Paid Compensation
Wednesday, April 25, 2018 Wholesale Rates effective until 5:00 pm PDT, ARMs until 3:30 pm PDT (In an occurrence of a Price Change, Notification will be sent)
AGENCY PRICE ADJUSTMENTS
AG
EN
CY
Agency, Agency No MI, Agency TX Home Equity, Agency High Balance
Agency No MI High Balance, Fannie Mae HomeReady
Applicable to All
LTV (%)
CLTV (%)
7:30AM Wholesale Rates effective until 5:00 pm PDT, ARMs until 3:30 pm PDT (In an occurrence of a Price Change, Notification will be sent)
30/25 Yr Fixed 20 Yr Fixed 15 Yr Fixed 10 Yr FixedAgency LP/Agency LP No MI Agency LP/Agency LP No MI Agency LP/Agency LP No MI Agency LP/Agency LP No MI
Rate 15 30 Rate 15 30 Rate 15 30 Rate 15 30
5.250% (4.508) (4.308) 4.750% (2.889) (2.689) 4.250% (1.816) (1.616) 4.250% (1.722) (1.522)
5.125% (3.928) (3.728) 4.625% (2.450) (2.250) 4.125% (1.526) (1.326) 4.125% (1.281) (1.081)
5.000% (3.235) (3.035) 4.500% (1.979) (1.779) 4.000% (1.029) (0.829) 4.000% (0.961) (0.761)
4.875% (2.662) (2.462) 4.375% (1.369) (1.169) 3.875% (0.575) (0.375) 3.875% (0.668) (0.468)
4.750% (2.128) (1.928) 4.250% (0.905) (0.705) 3.750% (0.105) 0.095 3.750% (0.367) (0.167)
4.625% (1.620) (1.420) 4.125% (0.027) 0.173 3.625% 0.483 0.683 3.625% 0.399 0.599
4.500% (0.999) (0.799) 4.000% 0.477 0.677 3.500% 0.973 1.173 3.500% 0.715 0.915
4.375% (0.484) (0.284) 3.875% 1.112 1.312 3.375% 1.383 1.583 3.375% 0.982 1.182
4.250% 0.216 0.416 3.750% 1.721 1.921 3.250% 1.792 1.992 3.250% 1.248 1.448
4.125% 0.908 1.108 3.625% 2.615 2.815 3.125% 2.472 2.672 3.125% 1.983 2.183
4.000% 1.369 1.569 3.500% 3.943 4.143 3.000% 3.172 3.372 3.000% 2.735 2.935
3.875% 2.223 2.423 3.375% 4.839 5.039 2.875% 3.658 3.858 2.875% 3.076 3.276
3.750% 3.112 3.312 3.250% 5.772 5.972 2.750% 4.183 4.383 2.750% 3.411 3.611
5/1 Libor ARM 7/1 Libor ARM 10/1 Libor ARMAgency LP/Agency LP No MI Agency LP/Agency LP No MI Agency LP/Agency LP No MI
Start Rate 15 30 Start Rate 15 30 Start Rate 15 30 Rate 15 30
4.125% (0.575) (0.325) 4.250% (0.817) (0.567) 4.375% (0.864) (0.614) 5.000% (2.973) (2.773)
4.000% (0.310) (0.060) 4.125% (0.572) (0.322) 4.250% (0.484) (0.234) 4.875% (2.446) (2.246)
3.875% (0.037) 0.213 4.000% (0.320) (0.070) 4.125% (0.098) 0.152 4.750% (1.931) (1.731)
3.750% 0.265 0.515 3.875% 0.022 0.272 4.000% 0.346 0.596 4.625% (1.355) (1.155)
3.625% 0.573 0.823 3.750% 0.368 0.618 3.875% 0.798 1.048 4.500% (0.632) (0.432)
3.500% 0.912 1.162 3.625% 0.716 0.966 3.750% 1.273 1.523 4.375% (0.009) 0.191
3.375% 1.256 1.506 3.500% 1.073 1.323 3.625% 1.756 2.006 4.250% 0.549 0.749
3.250% 1.615 1.865 3.375% 1.491 1.741 3.500% 2.258 2.508 4.125% 1.178 1.378
3.125% 1.976 2.226 3.250% 1.910 2.160 3.375% 2.764 3.014 4.000% 1.981 2.181
3.000% 2.338 2.588 3.125% 2.330 2.580 3.250% 3.288 3.538 3.875% 2.637 2.837
2.875% 3.263 3.513 3.000% 2.756 3.006 3.125% 3.936 4.186 3.750% 3.264 3.464
2.750% 3.652 3.902 2.875% 3.203 3.453 3.000% 4.628 4.878 3.625% 4.036 4.236
3.500% 5.860 6.060
Rate 15 30 Rate 15 30 Start Rate 15 30 Start Rate 15 30
5.500% (4.753) (4.553) 4.250% (0.960) (0.760) 4.500% (0.095) 0.155 4.375% (1.316) (1.066)
5.375% (4.394) (4.194) 4.125% (0.765) (0.565) 4.375% 0.153 0.403 4.250% (1.070) (0.820)
5.250% (3.978) (3.778) 4.000% (0.455) (0.255) 4.250% 0.398 0.648 4.125% (0.825) (0.575)
5.125% (3.478) (3.278) 3.875% (0.166) 0.034 4.125% 0.640 0.890 4.000% (0.573) (0.323)
5.000% (2.979) (2.779) 3.750% 0.242 0.442 4.000% 0.937 1.187 3.875% (0.231) 0.019
4.875% (2.511) (2.311) 3.625% 0.776 0.976 3.875% 1.236 1.486 3.750% 0.115 0.365
4.750% (1.981) (1.781) 3.500% 1.166 1.366 0.000% 0.730 0.730 3.625% 0.463 0.713
4.625% (1.469) (1.269) 3.375% 1.589 1.789 0.000% 0.730 0.730 3.500% 0.820 1.070
4.500% (0.829) (0.629) 3.250% 2.016 2.216 0.000% 0.730 0.730 3.375% 1.238 1.488
4.375% (0.218) (0.018) 3.125% 2.723 2.923 0.000% 0.730 0.730 3.250% 1.657 1.907
4.250% 0.361 0.561 3.000% 3.687 3.887 0.000% 0.730 0.730 3.125% 2.077 2.327
4.125% 1.203 1.403 2.875% 4.363 4.563 0.000% 0.730 0.7304.000% 1.890 2.090 2.750% 4.795 4.995
Rate 15 30 Rate 15 305.000% (3.296) (3.096) 5.000% (3.296) (3.096)4.875% (2.784) (2.584) 4.875% (2.784) (2.584)4.750% (2.252) (2.052) 4.750% (2.252) (2.052)4.625% (1.708) (1.508) 4.625% (1.708) (1.508)4.500% (1.065) (0.865) 4.500% (1.065) (0.865)4.375% (0.451) (0.251) 4.375% (0.451) (0.251)4.250% 0.130 0.330 4.250% 0.130 0.3304.125% 0.814 1.014 4.125% 0.814 1.0144.000% 1.505 1.705 4.000% 1.505 1.7053.990% 1.585 1.785 3.990% 1.585 1.7853.875% 2.235 2.435 3.875% 2.235 2.435
3.750% 2.965 3.165 3.750% 2.965 3.165
3.625% 3.709 3.909 3.625% 3.709 3.909
2.25 Margin, 2/2/5 Caps 2.25 Margin, 5/2/5 Caps
FHLMC HOMEPOSSIBLEHome Possible 30 Home Possible Advantage 30
Home Possible No MI 30 Home Possible Advantage No MI 30
FHLMC Super Conf 15 FHLMC Super Conf 5/1 ARM FHLMC Super Conf 7/1 ARMFHLMC Super Conf No MI 30 FHLMC Super Conf No MI 15 FHLMC Super Conf No MI 5/1 ARM FHLMC Super Conf No MI 7/1 ARM
Base Pricing Assumes Borrower Paid Compensation
Wednesday, April 25, 2018
FHLMC
AG
EN
CY
FHLMC Super Conf 20FHLMC Super Conf No MI 20
2.25 Margin, 2/2/5 Caps 2.25 Margin, 5/2/5 Caps 2.25 Margin, 5/2/5 Caps
FHLMC Super Conf 30
Page 4
7:30AM
Applicable to All Loan Amount Credit Score (Except Terms <=15 Yrs)** Loans $295k-Std Bal Limit (Agency LP Fixed & Agency LP No MI Fixed only) -0.250
** Loans $245k-$294,999 (Agency LP Fixed & Agency LP No MI Fixed only) -0.150 FICO <=60.00% 60.01-70.00%70.01-75.00% 75.01-80.00% 80.01-85.00% 85.01-90.00% 90.01-95.00% >95%
** Loans $200k-$244,999 (Agency LP Fixed & Agency LP No MI Fixed only) -0.100 >=740 0.000 0.250 0.250 0.500 0.250 0.250 0.250 0.750
** Loans $100k-$139,999 0.250 720-739 0.000 0.250 0.500 0.750 0.500 0.500 0.500 1.000
** Loans $75k-$99,999 0.375 700-719 0.000 0.500 1.000 1.250 1.000 1.000 1.000 1.500
** Loans $50k - $74,999 0.500 680-699 0.000 0.500 1.250 1.750 1.500 1.250 1.250 1.500
** Loans $30k-$49,999 1.250 660-679 0.000 1.000 2.250 2.750 2.750 2.250 2.250 2.250Property Type 640-659 0.500 1.250 2.750 3.000 3.250 2.750 2.750 2.750
* 2 Units 1.000 620-639 0.500 1.500 3.000 3.000 3.250 3.250 3.250 3.500
* 3-4 Units LTV < 80% 1.000 Credit Score
* 3-4 Units LTV 80.01%-85% 1.500
* 3-4 Units LTV >85.01% 2.000 ** Fico Scores > = 740 (Agency LP Fixed & Agency LP No MI Fixed only) -0.100
* Attached Condo >75% LTV (applicable only to terms >15 yrs) 0.750 Subordinate Financing
Occupancy* N/O/O up to 75% LTV (Except Super Conf) 2.125 <=75% 75.01-80.00% 80.01-85.00% 85.01-90.00% 90.01-95.00%
* N/O/O up to 75% LTV (Super Conf only) 2.125 0.375 0.375 0.875 0.875 0.875
* N/O/O LTV 75.01% to 80% (Except Super Conf) 3.375 0.375 0.375 0.625 0.625 0.625
* N/O/O LTV 75.01% to 80% (Super Conf only) 3.375 0.375 0.375 1.125 1.125 1.125
* N/O/O LTV 80.01% to 85% 4.125 0.375 0.375 0.875 0.875 0.875
Miscellaneous N/A 1.375 1.375 1.375 1.375
** Purchase Bonus (Agency LP Fixed & Agency LP No MI Fixed only) -0.150 N/A 1.125 1.125 1.125 1.125
** Escrow Waiver 0.250 0.500 0.500 0.500 0.500 0.500** 7-10 Financed Properties (Applicable to N/O/O & 2nd home only) 1.000
** ARM's >90% LTV (except FHLMC Super Conf) 0.250 Cash-out** Down Payment Protection Feature (refer to Down Payment Protection Tab).
* Purchase & Rate/Term Refi 0.250 FICO <=60.00% 60.01-70.00%70.01-75.00% 75.01-80.00%
* Cash-out Refinance 1.000 >=740 0.375 0.625 0.625 0.875
* High Balance ARM Purch, R/T, Cash-out <=75% LTV 0.750 720-739 0.375 1.000 1.000 1.125
* High Balance ARM Purch, R/T, Cash-out >75%-90% LTV 1.500 700-719 0.375 1.000 1.000 1.125
* High Balance ARM Purch, R/T >90% LTV 1.750 680-699 0.375 1.125 1.125 1.750* Fico Scores 680-739 0.125 660-679 0.625 1.125 1.125 1.875
* Fico Scores 620-679 0.250 640-659 1.500 2.250 2.250 3.250
HomePossible LLPA Caps 620-639 1.500 2.250 2.250 3.750
LTV >80% & Fico >=680 0.000
All Other LTV & Fico 1.500
Applicable to 30 Yr Term (Agency LP No MI & FHLMC Sup Conf No MI) Applicable to 25 Yr Term (Agency LP No MI)
FICO 80.01-85% 85.01-90% 90.01-95% 95.01-97% FICO 80.01-85%85.01-90% 90.01-95% 95.01-97% FICO
>=800 0.450 0.900 1.260 >=800 0.340 0.750 1.100 1.720 >=800 0.000
780-799 0.510 0.950 1.420 780-799 0.390 0.820 1.240 1.920 780-799 0.000
760-779 0.550 1.010 1.480 760-779 0.430 0.880 1.380 1.920 760-779 0.000
740-759 0.610 1.180 1.770 740-759 0.490 1.020 1.650 2.700 740-759 0.000
720-739 0.950 1.600 2.250 720-739 0.770 1.450 2.100 2.950 720-739 0.000
700-719 1.050 1.870 2.750 700-719 0.780 1.620 2.470 3.650 700-719 0.000
680-699 1.100 1.980 2.980 680-699 0.790 1.680 2.650 3.650 680-699 0.000
660-679 1.600 3.250 4.950 660-679 1.150 2.880 4.560 6.520 660-679 0.500
640-659 1.730 3.530 5.120 640-659 1.340 3.140 4.730 6.700 640-659 0.500
620-639 2.100 4.150 5.850 620-639 1.630 3.740 5.450 7.050 620-639 1.050
Applicable to <=20 Yr Term (Agency LP No MI & FHLMC Sup Conf No MI)
FICO 80.01-85% 85.01-90% 90.01-95%95.01-97% FICO FICO
>=800 0.310 0.670 1.010 >=800 0.250 >=800 0.000
780-799 0.310 0.680 1.040 780-799 0.300 780-799 0.000
760-779 0.310 0.720 1.050 760-779 0.300 760-779 0.000
740-759 0.330 0.860 1.430 740-759 0.300 740-759 0.000
720-739 0.890 1.220 1.890 720-739 0.500 720-739 0.000
1.550
1.830
1.840
2.640
2.960
6.900
7.090
7.450
Applicable to Second Homes Applicable to R&T Refi's LTV (%) (Agency LP No MI & FHLMC Sup Conf No MI) (Agency LP No MI & FHLMC Sup Conf No MI)
2.050
2.050
2.850
3.100
3.900
3.960
Applicable to Lender Paid Agency LP No MI & FHLMC Super Conforming No MI Programs (In addition to all other LLPAs)
Applicable to Loan Size >$453,100
LTV (%) LTV (%) (Agency LP No MI & FHLMC Sup Conf No MI)
1.880
75.01-95% & FICO >=720
***All Home Possible (above do not apply)
***Not applicable when using Affordable Second meeting Section 4204.2 reqmts.
Applicable to FHLMC Super Conf (in add to all other adj) LTV (%)
** These HomePossible LLPA's are NOT subject to the above LLPA Caps
LTV/FICO
<=65% & FICO <720
<=65% & FICO >=720
65.01-75% & FICO <720
65.01-75% & FICO>=720
75.01-95% & FICO <720
Base Pricing Assumes Borrower Paid Compensation
Wednesday, April 25, 2018 Wholesale Rates effective until 5:00 pm PDT, ARMs until 3:30 pm PDT (In an occurrence of a Price Change, Notification will be sent)
AGENCY LP PRICE ADJUSTMENTS
AG
EN
CY
Agency LP, Agency LP No MI,FHLMC Super Conf, FHLMC Super Conf No MI Home Possible, Home Possible No MI, Home Possible Advantage, Home Possible Advantage No MI
Applicable to All
LTV (%)
CLTV (%)
7:30AM
Rate 15 30 Rate 15 30 Rate 15 30 Rate 15 30
5.250% (4.383) (4.183) 4.750% (2.764) (2.564) 4.500% (2.645) (2.395) 4.500% (2.281) (2.281)
5.125% (3.803) (3.603) 4.625% (2.325) (2.125) 4.375% (2.221) (1.971) 4.375% (2.002) (2.002)
5.000% (3.110) (2.910) 4.500% (1.854) (1.654) 4.250% (1.808) (1.558) 4.250% (1.713) (1.713)
4.875% (2.614) (2.414) 4.375% (1.244) (1.044) 4.125% (1.517) (1.267) 4.125% (1.272) (1.272)
4.750% (2.069) (1.869) 4.250% (0.780) (0.580) 4.000% (1.020) (0.770) 4.000% (0.952) (0.952)
4.625% (1.506) (1.306) 4.125% 0.023 0.223 3.875% (0.566) (0.316) 3.875% (0.659) (0.659)
4.500% (0.874) (0.674) 4.000% 0.589 0.789 3.750% (0.097) 0.153 3.750% (0.358) (0.358)
4.375% (0.359) (0.159) 3.875% 1.194 1.394 3.625% 0.318 0.568 3.625% 0.408 0.408
4.250% 0.282 0.482 3.750% 1.846 2.046 3.500% 0.883 1.133 3.500% 0.724 0.724
4.125% 0.954 1.154 3.625% 2.673 2.873 3.375% 1.358 1.608 3.375% 0.991 0.991
4.000% 1.494 1.694 3.500% 3.450 3.650 3.250% 1.801 2.051 3.250% 1.257 1.257
3.990% 1.574 1.774 3.375% 4.465 4.665 3.125% 2.252 2.502 3.125% 1.992 1.992
3.875% 2.348 2.548 3.250% 5.337 5.537 3.000% 3.267 3.517 3.000% 2.667 2.667
Start Rate 15 30 Start Rate 15 30 Rate 15 30 Rate 15 30
4.500% (0.114) 0.136 4.750% (0.053) 0.197 5.500% (4.499) (4.299) 5.000% (2.848) (2.648)
4.375% 0.041 0.291 4.625% 0.075 0.325 5.375% (4.094) (3.894) 4.875% (2.321) (2.121)
4.250% 0.303 0.553 4.500% 0.293 0.543 5.250% (3.603) (3.403) 4.750% (1.806) (1.606)
4.125% 0.584 0.834 4.375% 0.534 0.784 5.125% (3.103) (2.903) 4.625% (1.230) (1.030)
4.000% 0.850 1.100 4.250% 0.788 1.038 5.000% (2.904) (2.704) 4.500% (0.507) (0.307)
3.875% 1.122 1.372 4.125% 1.070 1.320 4.875% (2.686) (2.486) 4.375% 0.116 0.316
3.750% 1.424 1.674 4.000% 1.386 1.636 4.750% (2.056) (1.856) 4.250% 0.674 0.874
3.625% 1.733 1.983 3.875% 1.710 1.960 4.625% (1.544) (1.344) 4.125% 1.303 1.503
3.500% 2.072 2.322 3.750% 2.071 2.321 4.500% (0.904) (0.704) 4.000% 2.061 2.261
3.375% 2.415 2.665 3.625% 2.442 2.692 4.375% (0.293) (0.093) 3.875% 2.726 2.926
3.250% 2.774 3.024 3.500% 2.849 3.099 4.250% 0.086 0.286 3.750% 3.384 3.584
3.125% 3.135 3.385 3.375% 3.261 3.511 4.125% 0.653 0.853 3.625% 4.105 4.305
4.000% 1.290 1.490 3.500% 4.826 5.026
Rate 15 30 Rate 15 30 Start Rate 15 30 Start Rate 15 30
4.250% (1.085) (0.885) 4.250% (1.085) (0.835) 3.875% 0.509 0.759 4.000% 0.609 0.859
4.125% (0.890) (0.690) 4.125% (0.890) (0.640) 3.750% 0.808 1.058 3.875% 0.930 1.180
4.000% (0.580) (0.380) 4.000% (0.580) (0.330) 3.625% 0.795 1.045 3.750% 1.288 1.538
3.875% (0.291) (0.091) 3.875% (0.291) (0.041) 3.500% 1.145 1.395 3.625% 1.278 1.528
3.750% 0.117 0.317 3.750% 0.117 0.367 3.375% 1.495 1.745 3.500% 1.675 1.925
3.625% 0.651 0.851 3.625% 0.651 0.901 3.250% 1.843 2.093 3.375% 2.073 2.323
3.500% 1.041 1.241 3.500% 1.041 1.291 3.125% 2.194 2.444 3.250% 2.472 2.722
3.375% 1.464 1.664 3.375% 1.464 1.714 3.000% 2.540 2.790 3.125% 2.878 3.128
3.250% 1.891 2.091 3.250% 1.891 2.141 2.875% 2.889 3.139 3.000% 3.315 3.565
3.125% 2.598 2.798 3.125% 2.598 2.848 2.750% 3.239 3.489 2.875% 3.754 4.004
3.000% 3.562 3.762 3.000% 3.562 3.812 2.625% 3.599 3.849 2.750% 4.195 4.445
2.875% 4.013 4.213 2.875% 4.013 4.263 0.000% 0.730 0.730 2.625% 4.650 4.900
2.750% 4.445 4.645 2.750% 4.445 4.695
Rate 15 30 Rate 15 30 Rate 15 30 Rate 15 30
5.250% (4.309) (4.109) 5.250% (4.243) (4.043) 5.250% (3.998) (3.798) 5.250% (3.789) (3.589)
5.125% (3.759) (3.559) 5.125% (3.694) (3.494) 5.125% (3.448) (3.248) 5.125% (3.239) (3.039)
5.000% (3.115) (2.915) 5.000% (3.050) (2.850) 5.000% (2.804) (2.604) 5.000% (2.595) (2.395)
4.875% (2.469) (2.269) 4.875% (2.404) (2.204) 4.875% (2.329) (2.129) 4.875% (2.027) (1.827)
4.750% (1.939) (1.739) 4.750% (1.874) (1.674) 4.750% (1.797) (1.597) 4.750% (1.495) (1.295)
4.625% (1.441) (1.241) 4.625% (1.376) (1.176) 4.625% (1.299) (1.099) 4.625% (0.997) (0.797)
4.500% (0.879) (0.679) 4.500% (0.814) (0.614) 4.500% (0.738) (0.538) 4.500% (0.435) (0.235)
4.375% (0.258) (0.058) 4.375% (0.193) 0.007 4.375% (0.116) 0.084 4.375% 0.186 0.386
4.250% 0.386 0.586 4.250% 0.451 0.651 4.250% 0.528 0.728 4.250% 0.830 1.030
4.125% 1.080 1.280 4.125% 1.145 1.345 4.125% 1.548 1.748 4.125% 1.851 2.051
4.000% 1.741 1.941 4.000% 1.806 2.006 4.000% 2.209 2.409 4.000% 2.512 2.712
3.875% 2.539 2.739 3.875% 2.604 2.804 3.875% 3.007 3.207 3.875% 3.310 3.510
3.750% 3.284 3.484 3.750% 3.349 3.549 3.750% 3.780 3.980 3.750% 4.083 4.283
Rate 15 30 Rate 15 30 Rate 15 30 Rate 15 30
4.500% (2.336) (2.136) 4.500% (2.251) (2.051) 5.125% (2.684) (2.484) 5.125% (2.598) (2.398)
4.375% (1.912) (1.712) 4.375% (1.827) (1.627) 5.000% (2.242) (2.042) 5.000% (2.157) (1.957)
4.250% (1.498) (1.298) 4.250% (1.413) (1.213) 4.875% (1.679) (1.479) 4.875% (1.593) (1.393)
4.125% (1.208) (1.008) 4.125% (1.123) (0.923) 4.750% (1.165) (0.965) 4.750% (1.080) (0.880)
4.000% (0.711) (0.511) 4.000% (0.626) (0.426) 4.625% (0.613) (0.413) 4.625% (0.528) (0.328)
3.875% (0.257) (0.057) 3.875% (0.172) 0.028 4.500% 0.068 0.268 4.500% 0.153 0.353
3.750% 0.213 0.413 3.750% 0.298 0.498 4.375% 0.749 0.949 4.375% 0.834 1.034
3.625% 0.801 1.001 3.625% 0.886 1.086 4.250% 1.306 1.506 4.250% 1.391 1.591
3.500% 1.291 1.491 3.500% 1.376 1.576 4.125% 1.909 2.109 4.125% 1.994 2.194
3.375% 1.701 1.901 3.375% 1.786 1.986 4.000% 2.681 2.881 4.000% 2.766 2.966
3.250% 2.110 2.310 3.250% 2.195 2.395 3.875% 3.387 3.587 3.875% 3.472 3.672
3.125% 2.790 2.990 3.125% 2.875 3.075 3.750% 4.012 4.212 3.750% 4.097 4.297
Rate Sheet: Whls-1004
15 Yr Fixed <=80% LTV 15 Yr 80.01%-105% LTV High Bal 30 Fixed <=80% High Bal 30 Fixed 80.01%-105%
2.25 Margin, 2/2/5 Caps 2.25 Margin, 5/2/5 Caps
DU Refi Plus 2.030 Yr Fixed <=80% LTV 30 Yr 80.01%-105% LTV 30 Yr >105% LTV High Bal 30 Fixed >105%
15 Yr Fixed 10 Yr Fixed 5/1 Libor ARM 7/1 Libor ARMPortfolio High Bal/Port No MI High Bal Portfolio High Bal/Port No MI High Bal Portfolio High Balance Portfolio High Balance
Portfolio/Portfolio No MI Portfolio/Portfolio No MI Portfolio High Bal/Port No MI High Bal Portfolio High Bal/Port No MI High Bal
2.25 Margin, 2/2/5 Caps 2.25 Margin, 5/2/5 Caps
Portfolio/Portfolio No MI Portfolio/Portfolio No MI Portfolio/Portfolio No MI
5/1 Libor ARM 7/1 Libor ARM 30 Yr Fixed 20 Yr Fixed
Base Pricing Assumes Borrower Paid Compensation
Wednesday, April 25, 2018 Wholesale Rates effective until 5:00 pm PDT, ARMs until 3:30 pm PDT (In an occurrence of a Price Change, Notification will be sent)
Agency Portfolio
AG
EN
CY
30 Yr Fixed 20 Yr Fixed 15 Yr Fixed 10 Yr FixedPortfolio/Portfolio No MI
Page 6
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Loan Amount* Loans $295k-Std Bal Limit (Agency DU Portfolio & Agency DU Portfolio No MI Fixed only) -0.250
* Loans $245k-$294,999 (Agency DU Portfolio & Agency DU Portfolio No MI Fixed only) -0.150 FICO <=60.00% 60.01-70.00%70.01-75.00% 75.01-80.00% 80.01-85.00% 85.01-90.00% 90.01-95.00% 95.01-97.00%
* Loans $200k-$244,999 (Agency DU Portfolio & Agency DU Portfolio No MI Fixed only) -0.100 >=740 0.000 0.250 0.250 0.500 0.250 0.250 0.250 0.750
* Loans $100k-$139,999 0.250 720-739 0.000 0.250 0.500 0.750 0.500 0.500 0.500 1.000
* Loans $75k-$99,999 0.375 700-719 0.000 0.500 1.000 1.250 1.000 1.000 1.000 1.500
* Loans $50k - $74,999 0.500 680-699 0.000 0.500 1.250 1.750 1.500 1.250 1.250 1.500
* Loans $30k-$49,999 1.250 660-679 0.000 1.000 2.250 2.750 2.750 2.250 2.250 2.250Property Type 640-659 0.500 1.250 2.750 3.000 3.250 2.750 2.750 2.750
* 2-4 Units 1.000 620-639 0.500 1.500 3.000 3.000 3.250 3.250 3.250 3.500
* Attached Condo >75% LTV (applicable only to terms >15 yrs) 0.750 <620 (non-Trad Credit only) 0.500 1.500 3.000 3.000 3.250 3.250 3.250 3.500* Manufactured Home 1.500
Occupancy * Fico Scores > = 740 (Agency DU Portfolio & Agency DU Portfolio No MI Fixed only) -0.100
* N/O/O up to 75% LTV 2.125
* N/O/O 75.01-80% LTV 3.375
* N/O/O 80.01-85% LTV 4.125 <=75% 75.01-80.00% 80.01-85.00% 85.01-90.00% 90.01-95.00% 95.01-97.01
Miscellaneous 0.375 0.375 0.875 0.875 0.875 1.875
* High LTV 95.01-97% 0.500 0.375 0.375 0.625 0.625 0.625 1.875
* Purchase Bonus (Agency DU Portfolio & Agency DU Portfolio No MI Fixed only) -0.150 0.375 0.375 1.125 1.125 1.125 1.875
* Escrow Waiver (CA Only) 0.150 0.375 0.375 0.875 0.875 0.875 1.875
* Escrow Waiver (all other states) 0.250 N/A 1.375 1.375 1.375 1.375 1.875
* 7-10 Financed Properties (Applicable to N/O/O & 2nd home only) 1.000 N/A 1.125 1.125 1.125 1.125 1.875
* ARMs w/LTV 90.01-95% 0.250
** Down Payment Protection Feature (refer to Down Payment Protection Tab).
Applicable to High Bal only FICO <=60.00% 60.01-70.00%70.01-75.00% 75.01-80.00% 80.01-85.00%
Loan Purpose >=740 0.375 0.625 0.625 0.875 n/a
* Purchase & Rate/Term Refi 0.250 720-739 0.375 1.000 1.000 1.125 n/a
* Cash-out Refi 1.000 700-719 0.375 1.000 1.000 1.125 n/a
Miscellaneous 680-699 0.375 1.125 1.125 1.750 n/a
* High Balance ARM LTV <=75% 0.750 660-679 0.875 1.375 1.375 2.125 n/a
* High Balance ARM LTV >75% 1.500 640-659 1.625 2.625 2.625 3.625 n/a
620-639 1.625 2.625 2.625 4.125 n/a
All Fixed Rates 105.000
All ARM Rates 103.750
Applicable to 30 Yr Term (Portfolio No MI & Portfolio High Bal No MI)
FICO 80.01-85% 85.01-90% 90.01-95% FICO 80.01-85% 85.01-90% 90.01-95% 95.01-97% FICO
>=800 0.450 0.900 1.260 >=800 0.340 0.750 1.100 1.720 >=800 0.000
780-799 0.510 0.950 1.420 780-799 0.390 0.820 1.240 1.920 780-799 0.000
760-779 0.550 1.010 1.480 760-779 0.430 0.880 1.380 1.920 760-779 0.000
740-759 0.610 1.180 1.770 740-759 0.490 1.020 1.650 2.700 740-759 0.000
720-739 0.950 1.600 2.250 720-739 0.770 1.450 2.100 2.950 720-739 0.000
700-719 1.050 1.870 2.750 700-719 0.780 1.620 2.470 3.650 700-719 0.000
680-699 1.100 1.980 2.980 680-699 0.790 1.680 2.650 3.650 680-699 0.000
660-679 1.600 3.250 4.950 660-679 1.150 2.880 4.560 6.520 660-679 0.500
640-659 1.730 3.530 5.120 640-659 1.340 3.140 4.730 6.700 640-659 0.500
620-639 2.100 4.150 5.850 620-639 1.630 3.740 5.450 7.050 620-639 1.050
Applicable to <=20 Yr Term (Portfolio No MI & Portfolio High Bal No MI)
(Portfolio No MI & Portfolio High Bal No MI)
FICO 80.01-85% 85.01-90% 90.01-95% FICO FICO
>=800 0.310 0.670 1.010 >=800 0.250 >=800 0.000
780-799 0.310 0.680 1.040 780-799 0.300 780-799 0.000
760-779 0.310 0.720 1.050 760-779 0.300 760-779 0.000
740-759 0.330 0.860 1.430 740-759 0.300 740-759 0.000
720-739 0.890 1.220 1.890 720-739 0.500 720-739 0.000
700-719 0.920 1.290 2.710 700-719 0.700 700-719 0.550
680-699 0.940 1.290 2.710 680-699 0.700 680-699 0.550
660-679 1.100 1.420 3.790 660-679 1.230 660-679 1.050
640-659 1.100 1.560 3.990 640-659 1.230 640-659 1.050
620-639 1.100 1.850 4.590 620-639 1.300 620-639 1.100
Maximum Rebate/Price CapPortfolio Fixed 105.000
Portfolio High Balance Fixed 105.000
Portfolio No MI Fixed 105.000
Portfolio No MI High Balance Fixed 105.000
Portfolio ARMs 103.750
Property Type* 2-4 Units 1.000
* Condo >75% LTV (applicable only to terms >15 yrs) 0.750 FICO <=60.00% 60.01-70.00%70.01-75.00% 75.01-80.00% 80.01-85.00% 85.01-90.00% 90.01-95.00% >95.00%
Occupancy >=740 0.000 0.250 0.250 0.250 0.000 0.000 0.000 0.000
* N/O/O up to 75% LTV 2.000 720-739 0.000 0.250 0.250 0.250 0.000 0.000 0.000 0.000
* N/O/O > 75-80% LTV 2.000 700-719 0.000 0.500 0.750 0.750 0.500 0.500 0.500 0.500
* N/O/O > 80-105% LTV 2.000 680-699 0.000 0.500 0.750 0.750 0.750 0.750 0.750 0.750LTV 660-679 0.000 1.000 1.500 1.750 1.750 1.750 1.750 1.250
* LTV >95-97% 1.000 640-659 0.500 1.250 2.000 2.000 2.000 2.000 2.000 2.000
* LTV >97-105% 1.000 620-639 0.500 1.500 2.000 2.000 2.000 2.000 2.000 2.000
* LTV >105% 2.000
* LTV >80% & >20 year term 0.750 <=80% 80.01-85.00% 85.01-90.00% 90.01-95.00% >95.00%
* LTV >80% & <=20 year term 0.000 0.375 0.375 0.375 0.625 1.875
0.625 0.625 0.625 0.875 1.875
* ALL LTV's & >25 year term 2.000
* LTV <= 105% & <=25 year term 2.000
Loan Amount* Loans $100k-$139,999 0.250
* Loans $75k-$99,999 0.375
* Loans $50k - $74,999 0.500
* Loans $30k-$49,999 1.250Miscellaneous* N/O/O LTV >75% 0.250
* Escrow Waiver (CA Only) 0.150
* Escrow Waiver (all other states) 0.250
Miscellaneous* N/O/O LTV >75% 0.250 DU Refi Plus Fixed & DU Refi High Balance Fixed 105.000
* Escrow Waiver (CA Only) 0.150
* Escrow Waiver (all other states) 0.250
Rate Sheet: Whls-1004
Maximum Rebate/Price Cap
This is not an advertisement pursuant to 12 C.F.R. 1026.2(a)(2). This is informational material intended for real estate business professionals only and is not for distribution to consumers or prospective applicants for residential mortgage loans. Interest rate,
terms and programs are subject to change without notice. © 2014 Paramount Residential Mortgage Group, Inc. 1265 Corona Pointe Court, Corona, CA 92879. All Rights Reserved. NMLS ID 75243.
FICO
>=720
Price Adjustment Caps (Second Home & Non-Owner Occ only) <720
Not Subject to Price Adjustment Caps (Standard Balance only)
Not Subject to Price Adjustment Caps (High Balance only)
Applicable to All Applicable to All Credit Score (Except Terms <=15 Yrs)
LTV (%)
Subordinate FinancingPrice Adjustment Caps (Owner Occ only) CLTV (%)
3.620
3.640
6.490
6.740
7.050
DU Refi Plus 2.0,DU Refi Plus High Balance 2.0 Price Adjustments
95.01-97%
1.550
1.830
1.840
2.640
2.960
7.090
7.450
Applicable to Second Homes Applicable to R&T Refi's LTV (%) (Portfolio No MI & Portfolio High Bal No MI)
2.050
2.850
3.100
3.900
3.960
6.900
LTV (%) LTV (%) (Portfolio No MI & Portfolio High Bal No MI)
95.01-97%
1.880
2.050
*If using a PRMG Closed End second, the PRMG 1st lien is subject to a
LLPA that will be manually added by Secondary and will be: 0.300 to
the price.
Cash-out LTV (%)
Maximum Rebate/Buy
Applicable to Lender Paid Portfolio No MI & Portfolio High Bal No MI Programs (In addition to all other LLPAs)
Applicable to 25 Yr Term (Portfolio No MI & Portfolio High Bal No MI) Applicable to Loan Size >$453,100
65.01-75% & FICO <720
65.01-75% & FICO>=720
75.01-95% & FICO <720
75.01-95% & FICO >=720
Credit Score
Subordinate FinancingCLTV (%)
LTV/FICO<=65% & FICO <720
<=65% & FICO >=720
Base Pricing Assumes Borrower Paid Compensation
Wednesday, April 25, 2018 Wholesale Rates effective until 5:00 pm PDT, ARMs until 3:30 pm PDT (In an occurrence of a Price Change, Notification will be sent)
PRICE ADJUSTMENTS
AG
EN
CY
Portfolio, Portfolio High Balance, Portfolio No MI, Portfolio No MI High Balance Price Adjustments
Applicable to All Applicable to All Credit Score (Except Terms <=15 Yrs)
LTV (%)
Page 7
7:30AM
30 Yr Fixed 15 Yr Fixed 5/1 ARMRate 15 30 Rate 15 30 Start Rate 15 30 Rate 15 30
5.625% (5.073) (4.823) 4.500% (2.883) (2.633) 4.000% (0.497) (0.247) 5.250% (2.873) (2.673)
5.500% (4.948) (4.698) 4.375% (2.549) (2.299) 3.875% (0.191) 0.059 5.125% (3.181) (2.981)
5.375% (4.823) (4.573) 4.250% (2.769) (2.519) 3.750% 0.147 0.397 5.000% (3.206) (3.006)
5.250% (4.698) (4.448) 4.125% (2.418) (2.168) 3.625% 0.409 0.659 4.875% (3.121) (2.921)
5.125% (4.446) (4.196) 4.000% (2.049) (1.799) 3.500% 0.498 0.748 4.750% (2.639) (2.439)
5.000% (4.267) (4.017) 3.875% (1.650) (1.400) 3.375% 1.127 1.377 4.625% (2.620) (2.420)
4.990% (4.187) (3.937) 3.750% (1.224) (0.974) 3.250% 1.540 1.790 4.500% (2.283) (2.083)
4.875% (3.880) (3.630) 3.625% (0.683) (0.433) 3.125% 1.887 2.137 4.375% (1.876) (1.676)
4.750% (3.594) (3.344) 3.500% (0.249) 0.001 3.000% 2.309 2.559 4.250% (1.418) (1.218)
4.625% (3.395) (3.145) 3.375% 0.202 0.452 2.875% 3.008 3.258 4.125% (0.533) (0.333)
4.500% (2.979) (2.729) 3.250% 0.668 0.918 2.750% 3.424 3.674 4.000% (0.065) 0.135
4.375% (2.476) (2.226) 3.125% 1.757 2.007 3.875% 0.432 0.632
4.250% (1.977) (1.727) 3.000% 2.148 2.398
High Balance 5/1 ARM Streamline HB 5/1 ARMRate 15 30 Start Rate 15 30 Start Rate 15 30 Rate 15 30
5.625% (4.573) (4.323) 4.000% (0.056) 0.194 4.000% 0.069 0.319 5.250% (2.543) (2.343)
5.500% (4.448) (4.198) 3.875% 0.111 0.361 3.875% 0.236 0.486 5.125% (2.676) (2.476)
5.375% (4.323) (4.073) 3.750% 0.061 0.311 3.750% 0.436 0.686 5.000% (2.876) (2.676)
5.250% (4.198) (3.948) 3.625% 0.927 1.177 3.625% 1.052 1.302 4.875% (2.616) (2.416)
5.125% (3.946) (3.696) 3.500% 1.121 1.371 3.500% 1.246 1.496 4.750% (2.309) (2.109)
5.000% (3.767) (3.517) 3.375% 1.365 1.615 3.375% 1.490 1.740 4.625% (2.290) (2.090)
4.875% (3.380) (3.130) 3.250% 1.660 1.910 3.250% 1.785 2.035 4.500% (1.953) (1.753)
4.750% (3.094) (2.844) 3.125% 2.279 2.529 3.125% 2.404 2.654 4.375% (1.546) (1.346)
4.625% (2.895) (2.645) 3.000% 2.586 2.836 3.000% 2.711 2.961 4.250% (1.088) (0.888)
4.500% (2.479) (2.229) 2.875% 3.687 3.937 2.875% 3.194 3.444 4.125% (0.203) (0.003)
4.375% (1.976) (1.726) 2.750% 4.128 4.378 2.750% 3.506 3.756 4.000% 0.265 0.465
4.250% (1.477) (1.227) 2.625% 4.049 4.299 3.875% 0.762 0.962
4.125% (0.182) 0.068
Streamline 5/1 ARMRate 15 30 Rate 15 30 Start Rate 15 30 Rate 15 30
5.250% (4.388) (4.188) 4.250% (2.348) (2.148) 4.000% (0.060) 0.190 4.750% (2.064) (1.864)
5.125% (4.136) (3.936) 4.125% (2.067) (1.867) 3.875% 0.246 0.496 4.625% (2.045) (1.845)
5.000% (3.828) (3.628) 4.000% (1.742) (1.542) 3.750% 0.584 0.834 4.500% (1.708) (1.508)
4.990% (3.793) (3.593) 3.875% (1.313) (1.113) 3.625% 0.846 1.096 4.375% (1.301) (1.101)
4.875% (3.399) (3.199) 3.750% (0.865) (0.665) 3.500% 1.185 1.435 4.250% (0.843) (0.643)
4.750% (3.284) (3.084) 3.625% (0.150) 0.050 3.375% 1.563 1.813 4.125% 0.042 0.242
4.625% (2.862) (2.662) 3.500% 0.208 0.408 3.250% 1.977 2.227 4.000% 0.510 0.710
4.500% (2.497) (2.297) 3.375% 0.678 0.878 3.125% 2.324 2.574 3.875% 0.632 0.832
4.375% (1.976) (1.776) 3.250% 1.163 1.363 3.000% 2.745 2.995 3.750% 1.530 1.730
4.250% (1.299) (1.099) 3.125% 1.938 2.138 2.875% 3.288 3.538 3.625% 2.247 2.447
4.125% (0.755) (0.555) 3.000% 2.329 2.529 2.750% 3.600 3.850 3.500% 3.455 3.655
4.000% (0.349) (0.149) 2.875% 2.833 3.033 3.375% 3.999 4.199
3.990% (0.299) (0.099) 2.750% 3.345 3.545 3.250% 5.230 5.430
VA 30 Yr Fixed VA 15 Yr FixedRate 15 30 Rate 15 30 Start Rate 15 30 Rate 15 30
5.250% (4.298) (4.098) 4.500% (2.338) (2.088) 4.000% (0.397) (0.147) 5.250% (2.298) (2.098)
5.125% (4.046) (3.846) 4.375% (2.028) (1.778) 3.875% (0.145) 0.105 5.125% (2.605) (2.405)
5.000% (3.738) (3.538) 4.250% (2.438) (2.188) 3.750% 0.136 0.386 5.000% (2.632) (2.432)
4.875% (3.328) (3.128) 4.125% (2.048) (1.798) 3.625% 0.541 0.791 4.875% (2.447) (2.247)
4.750% (3.194) (2.994) 4.000% (1.641) (1.391) 3.500% 0.816 1.066 4.750% (2.224) (2.024)
4.625% (3.020) (2.820) 3.875% (1.236) (0.986) 3.375% 1.138 1.388 4.625% (2.035) (1.835)
4.500% (2.538) (2.338) 3.750% (0.815) (0.565) 3.250% 1.503 1.753 4.500% (1.804) (1.604)
4.375% (2.305) (2.105) 3.625% (0.163) 0.087 3.125% 1.941 2.191 4.375% (1.856) (1.656)
4.250% (2.031) (1.831) 3.500% 0.212 0.462 3.000% 2.314 2.564 4.250% (1.079) (0.879)
4.125% (1.326) (1.126) 3.375% 0.620 0.870 2.875% 2.817 3.067 4.125% (0.524) (0.324)
4.000% (0.489) (0.289) 3.250% 1.054 1.304 2.750% 3.233 3.483 4.000% 0.281 0.481
3.875% (0.020) 0.180 3.125% 2.283 2.533 2.625% 3.718 3.968 3.875% 0.755 0.955
3.750% 0.030 0.230 3.000% 2.723 2.973 2.00 Margin, 1/1/5 Caps
Rate 15 30 Rate 15 30 Rate 15 30 Rate 15 30
5.250% (4.198) (3.998) 4.500% (1.885) (1.685) 5.250% (2.323) (2.123) 5.000% (3.304) (3.104)
5.125% (3.946) (3.746) 4.375% (1.770) (1.570) 5.125% (2.605) (2.405) 4.875% (3.505) (3.305)
5.000% (3.638) (3.438) 4.250% (2.158) (1.958) 5.000% (2.347) (2.147) 4.750% (3.509) (3.309)
4.875% (3.209) (3.009) 4.125% (1.768) (1.568) 4.875% (1.986) (1.786) 4.625% (3.056) (2.856)
4.750% (3.094) (2.894) 4.000% (1.361) (1.161) 4.750% (2.000) (1.800) 4.500% (2.584) (2.384)
4.625% (2.683) (2.483) 3.875% (0.956) (0.756) 4.625% (1.892) (1.692) 4.375% (2.128) (1.928)
4.500% (2.351) (2.151) 3.750% (0.635) (0.435) 4.500% (1.659) (1.459) 4.250% (1.626) (1.426)
4.375% (1.981) (1.781) 3.625% 0.270 0.470 4.375% (1.335) (1.135) 4.125% (0.947) (0.747)
4.250% (1.451) (1.251) 3.500% 0.693 0.893 4.250% (0.805) (0.605) 4.000% (0.444) (0.244)
4.125% (0.656) (0.456) 3.375% 1.115 1.315 4.125% 0.314 0.514 3.875% 0.205 0.405
4.000% (0.162) 0.038 3.250% 1.553 1.753 4.000% 0.732 0.932 3.750% 0.729 0.929
3.875% 0.377 0.577 3.125% 2.563 2.763 3.875% 1.277 1.477 3.625% 1.864 2.064
3.750% 0.925 1.125 3.500% 2.415 2.615
Loan Amount FICO* Loans $300k-Std Bal Limit -0.300 * Fico Scores >= 680 (all FHA, VA & USDA; Except FHA strml Std & High Bal VA IRRRL Std & High Bal)-0.125
* Loans $250k-$299,999 -0.200 * Fico Scores >= 700 (FHA Strml Std & High Bal &VA IRRRL Std & High Bal only) -0.375
* Loans $175k-$249,999 -0.100 * Fico Scores 680-699 (FHA Strml Std & High Bal &VA IRRRL Std & High Bal only) -0.250
* Loans $100k-$139,999 0.125 * Fico Scores 640 - 679 (VA IRRRL High Bal only) 0.625
* Loans $75k-$99,999 0.500 * Fico Scores 640 - 679 (FHA Std Bal Streamline Only) 0.250
* Loans $50k-$74,999 0.875 * Fico Scores 660 - 679 (all; except FHA Std Bal Strmln & VA IRRRL HB) 0.125
* Loans $30k-$49,999 2.000 * Fico Scores 640 - 659 (all; except FHA Std Bal Strmln & VA IRRRL HB) 0.500
* Loans < $30,000 Contact Secondary * Fico Scores 620 - 639 1.250
* Loans $1M-$1.5m (VA High Bal only) 0.500 * Fico Scores 600 - 619 1.500
* Loans >=$1m (VA IRRRL High Bal only) 0.625 * Fico Scores 580 - 599 2.250LTV * No FICO Score (Non-Traditional Credit only) 2.250
* Streamline CLTV 100.01-125% 0.250 Miscellaneous * VA IRRRL & VA IRRRL High Bal w/LTV >100-105% 0.250 * Purchase Bonus (FHA, FHA Portfolio, VA only - All Standard Bal Fixed only) -0.100
* VA IRRRL & VA IRRRL High Bal w/LTV >105% 0.500 * Down Payment Asst Prgrms (FHA High Bal only) 0.375* VA Cash-out 90.01-95% (Standard Bal and High Bal) 0.250
Occupancy * VA Cash-out 95.01 to 100% (Standard Bal and High Bal) 0.500
* Non Owner Occupied 1.000 *FHA Manufactured Home 2.000Maximum Rebate/Price Cap *USDA/VA Manufactured Home 1.000
All Fixed Rates 105.000 ** Down Payment Protection Feature (refer to Down Payment Protection Tab).
All ARM Rates 103.750
Government Price Adjustments
VA 5/1 ARM VA High Balance - 30
VA IRRRL - 30 VA IRRRL - 15 VA IRRRL High Bal - 30 USDA - 30 Yr
Streamline 30 Streamline 15 Streamline HB - 30
2.00 Margin, 1/1/5 Caps
VA/USDA
Base Pricing Assumes Borrower Paid Compensation
Wednesday, April 25, 2018 Wholesale Rates effective until 5:00 pm PDT, ARMs until 3:30 pm PDT (In an occurrence of a Price Change, Notification will be sent)
FHA
GO
VE
RN
ME
NT
High Balance - 30
2.00 Margin, 1/1/5 Caps
FHA Portfolio 30 FHA HB Portfolio 30
2.00 Margin, 1/1/5 Caps
Page 8
7:30AM
LTV80.00% * Purchase only
80.01%-81.00% * Agency
81.01%-82.00% * Agency NO MI
82.01%-83.00% * Agency LP
83.01%-84.00% * Agency High Balance
84.01%-85.00% * Home Ready
85.01%-86.00% * Home Possible
86.01%-87.00% * FHLMC Super Confriming
87.01%-88.00% * FHA
88.01%-89.00% * FHA Portfolio
89.01%-90.00% * FHA Portfolio No Score
90.01%-91.00% * FHA 203H
91.01%-92.00% * FHA Portfolio GNND
92.01%-93.00%
93.01%-94.00%
94.01%-95.00%
95.01%-96.00% * Refinance
96.01%-96.50% * Agency Tx Home Equity
96.51%-97.00% * Niche
* Jumbos
* FHA Streamilines
* DU Refi Plus
Group2 * Closed End Seconds
Group3 * VA IRRRLS
Group4 * FHA 203K
Group5
Rate Sheet: WHLS-1004
2 - Maximum coverage available cannot exceed $200,000
DE, FL, MD, MI, MN, RI, UT
GA, OR
ID
AZ, NV
Notes:1 - All rates include State level fees and taxes.
0.181 0.223 0.266 0.372 0.436
Group1 AK, AL, AR, CA, CO, CT, DC, HI, IA, IL, IN, KS, KY, LA, MA, ME, MO, MS, MT, NC, ND, NE, NH, NJ,
NM, OH, OK, PA, SC, SD, TN, TX, VA, VT, WA, WI, WV
0.202 0.252 0.299 0.417 0.488
0.191 0.237 0.282 0.395 0.462
Programs- Not Allowed0.282 0.358 0.424 0.587 0.684
0.355 0.446 0.530 0.732 0.859
0.318 0.402 0.476 0.659 0.771
0.431 0.538 0.642 0.885 1.041
0.393 0.491 0.586 0.808 0.949
0.489 0.617 0.737 1.013 1.194
0.470 0.585 0.699 0.963 1.135
0.529 0.683 0.816 1.117 1.317
0.509 0.650 0.776 1.065 1.255
0.571 0.753 0.898 1.226 1.445
0.550 0.718 0.857 1.171 1.380
0.599 0.806 0.965 1.320 1.549
0.585 0.779 0.931 1.273 1.496
0.629 0.861 1.035 1.419 1.659
0.614 0.833 0.999 1.369 1.603
Available Programs
0.645 0.890 1.071 1.471 1.716
Base Pricing Assumes Borrower Paid Compensation
Wednesday, April 25, 2018 Wholesale Rates effective until 5:00 pm PDT, ARMs until 3:30 pm PDT (In an occurrence of a Price Change, Notification will be sent)
Down Payment Protection Feature
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7:30AM
Diamond 30 Yr Fixed Diamond 15 Yr Fixed Diamond 5/1 ARM Diamond 7/1 ARMRate 30 45 Rate 30 45 Rate 30 45 Rate 30 45
4.875% (0.310) (0.060) 4.250% 2.757 3.007 4.875% 2.995 3.245 5.000% 3.253 3.503
4.750% 0.174 0.424 4.125% 3.429 3.679 4.750% 3.542 3.792 4.875% 3.878 4.128
4.625% 0.658 0.908 4.000% 4.101 4.351 4.625% 4.089 4.339 4.750% 4.503 4.753
4.500% 1.167 1.417 3.875% 4.773 5.023 4.500% 4.636 4.886 4.625% 5.128 5.378
4.375% 1.714 1.964 3.750% 5.445 5.695 4.375% 5.183 5.433 4.500% 5.753 6.003
4.250% 2.260 2.510 3.625% 6.117 6.367 4.250% 5.730 5.980 4.375% 6.378 6.628
4.125% 2.807 3.057 3.500% 6.789 7.039 4.125% 6.277 6.527 4.250% 7.003 7.253
4.000% 3.354 3.604 3.375% 7.460 7.710 4.000% 6.823 7.073 4.125% 7.628 7.878
3.875% 3.901 4.151 3.250% 8.132 8.382 3.875% 7.370 7.620 4.000% 8.253 8.503
3.750% 4.448 4.698 3.125% 8.804 9.054 3.750% 7.917 8.167 3.875% 8.878 9.128
3.625% 4.995 5.245 3.000% 9.476 9.726 3.625% 8.464 8.714 3.750% 9.503 9.753
3.500% 5.542 5.792 2.875% 10.148 10.398 3.500% 9.011 9.261 3.625% 10.128 10.378
3.375% 6.089 6.339 2.750% 10.820 11.070 3.375% 9.558 9.808 3.500% 10.753 11.003
Rate 15 30 Rate 15 30 Start Rate 15 30 Start Rate 15 30
5.250% (2.274) (2.024) 4.750% (1.187) (0.937) 4.875% (1.751) (1.501) 4.875% (1.528) (1.278)
5.125% (1.864) (1.614) 4.625% (0.886) (0.636) 4.750% (1.399) (1.149) 4.750% (1.252) (1.002)
5.000% (1.412) (1.162) 4.500% (0.529) (0.279) 4.625% (1.027) (0.777) 4.625% (0.913) (0.663)
4.875% (0.933) (0.683) 4.375% (0.131) 0.119 4.500% (0.643) (0.393) 4.500% (0.528) (0.278)
4.750% (0.439) (0.189) 4.250% 0.292 0.542 4.375% (0.258) (0.008) 4.375% (0.111) 0.139
4.625% 0.059 0.309 4.125% 0.724 0.974 4.250% 0.153 0.403 4.250% 0.321 0.571
4.500% 0.566 0.816 4.000% 1.157 1.407 4.125% 0.597 0.847 4.125% 0.777 1.027
4.375% 1.092 1.342 3.875% 1.601 1.851 4.000% 1.086 1.336 4.000% 1.264 1.514
4.250% 1.644 1.894 3.750% 2.071 2.321 3.875% 1.628 1.878 3.875% 1.790 2.040
4.125% 2.229 2.479 3.625% 2.578 2.828 3.750% 2.232 2.482 3.750% 2.363 2.613
SM 30/20 Yr Fixed SM 15 Yr Fixed SM 5/1 ARMRate 15 30 Rate 15 30 Start Rate 15 30 Start Rate 15 30
6.125% (3.602) (3.352) 5.625% (2.682) (2.432) 5.375% (2.640) (2.390) 5.000% (1.395) (1.145)
6.000% (3.227) (2.977) 5.500% (2.307) (2.057) 5.250% (2.328) (2.078) 4.875% (1.020) (0.770)
5.875% (2.852) (2.602) 5.250% (1.557) (1.307) 5.125% (2.015) (1.765) 4.750% (0.645) (0.395)
5.750% (2.477) (2.227) 5.125% (1.120) (0.870) 5.000% (1.640) (1.390) 4.625% (0.270) (0.020)
5.625% (2.102) (1.852) 5.000% (0.682) (0.432) 4.875% (1.265) (1.015) 4.500% 0.105 0.355
5.500% (1.727) (1.477) 4.875% (0.245) 0.005 4.750% (0.890) (0.640) 4.375% 0.480 0.730
5.375% (1.227) (0.977) 4.750% 0.193 0.443 4.625% (0.515) (0.265) 4.250% 0.855 1.105
5.250% (0.727) (0.477) 4.625% 0.630 0.880 4.500% (0.140) 0.110 4.125% 1.230 1.480
5.125% (0.227) 0.023 4.500% 1.068 1.318 4.375% 0.235 0.485 4.000% 1.605 1.855
5.000% 0.273 0.523 4.375% 1.505 1.755 4.250% 0.610 0.860 3.875% 2.105 2.355
4.875% 0.773 1.023 4.250% 2.068 2.318 4.125% 0.985 1.235 3.750% 2.605 2.855
4.125% 2.630 2.880 4.000% 1.360 1.610 3.625% 3.105 3.355
Rate Sheet: Whls-1004
2.50 Margin, 5/2/5 Caps 2.50 Margin, 5/2/5 Caps
SILVER MEDAL JUMBOSM 7/1 ARM
2.25 Margin, 2/2/5 Caps 2.25 Margin, 2/2/5 Caps
Base Pricing Assumes Borrower Paid Compensation
Wednesday, April 25, 2018 Wholesale Rates effective until 3:30 pm PDT (In an occurrence of a Price Change, Notification will be sent)
DIAMOND JUMBO
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PLATINUM JUMBOPlatinum 30 Yr Fixed Platinum 15 Yr Fixed Platinum 5/1 ARM Platinum 7/1 ARM
Page 10
7:30AM
* Cash-out Refi LTV 60.01-65% 0.250
Lnamt <=60.00% 60.01-65.00%65.01-70.00%70.01-75.00% 75.01-80.00% * Cash-out Refi LTV 65.01-70% 0.500
<=$1M -0.250 -0.125 0.000 0.000 0.000 * Cash-out Refi LTV 70.01-75% 0.750
>1M -1.5M -0.125 0.000 0.000 0.000 0.000 * Cash-out Refi LTV >75 1.000
>1.5M-2.0M 0.000 0.000 0.000 0.125 0.500 * Purchase Special LTV<=60% -0.125>2M-2.5M 0.000 0.000 Property
* 2 Units w/LTV <=60% 0.250
* 2 Units w/LTV 60.01-65% 0.375
FICO <=60.00% 60.01-65.00%65.01-70.00%70.01-75.00% 75.01-80.00% * 2 Units w/LTV 65.01-70% 0.500
>=800 -0.500 -0.500 -0.250 -0.250 -0.125 * 2 Units w/LTV 70.01-75% 0.750
780-799 -0.500 -0.375 -0.250 -0.125 0.000 * 2 Units w/LTV 75.01-80% 1.000
760-779 -0.375 -0.250 -0.125 0.000 0.250 * 3-4 Units <=60% 0.375
740-759 -0.250 -0.125 0.000 0.125 0.375 * 3-4 Units LTV 60.01-65% 0.500
720-739 -0.250 -0.125 0.125 0.250 0.625 * 3-4 Units LTV 65.01-70% 0.625700-719 -0.125 0.000 0.250 0.500 1.000 Occupancy
* Second Home LTV/CLTV 65.01-75% 0.125
*Investmetnt <= 60% 2.750
State <=60.00% 60.01-65.00%65.01-70.00%70.01-75.00% 75.01-80.00% MiscellaneousFL, NV-Fixed 0.000 0.000 0.000 0.000 0.375 * Escrow waiver 0.125
FL, NV-ARM 0.000 0.000 0.000 0.375 0.750
CA- Fixed 0.125 0.125 0.125 0.250 0.375
CA-ARM 0.000 0.125 0.125 0.125 0.250
(Price cap is after all LLPAs but before Lender Paid Comp)
Term <=$1.0M > $1.0M
30YR 102.500 102.000
15YR 102.000 101.750
5/1 Arm 101.375 101.250
7/1 Arm 101.750 101.500
Rate Sheet: Whls-1004
Loan Amount
LTV/CLTV (%)
FICO / LTV / CLTVLTV/CLTV (%)
State AdjustorsLTV/CLTV (%)
Maximum Rebate/Price Cap
Base Pricing Assumes Borrower Paid Compensation
Wednesday, April 25, 2018 Wholesale Rates effective until 3:30 pm PDT (In an occurrence of a Price Change, Notification will be sent)
JUMBO PRICE ADJUSTMENTS
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Diamond Jumbo Price Adjustments
Applicable to All Applicable to All:Loan Amount / LTV / CLTV Loan Purpose
Page 11
7:30AM
Applicable to Fixed Rate Loans Applicable to ARM Loans (continued)Loan Amount Loan Purpose* Loans <=$1M & LTV/CLTV <=60% -0.250 * Cashout & LTV/CLTV<=60% 0.250
* Loans <=$1M & LTV/CLTV 60.01-65% -0.125 * Cashout & LTV/CLTV 60.01-65% 0.375
* Loans >$1.0M-$1.5M & LTV/CLTV <=60% -0.125 * Cashout & LTV/CLTV 65.01-70% 0.500
* Loans >$1M-$1.5M & LTV/CLTV 70.01-75% 0.125 * Cashout & LTV/CLTV 70.01-75% 1.375
* Loans >$1M-$1.5M & LTV/CLTV 75.01-80% 0.250 MiscellaneousCredit Score * DTI >40% & LTV/CLTV 70.01-75% 0.250
LTV/CLTV (%) * DTI >40% & LTV/CLTV 75.01-80% 0.375
FICO <=60.00% 60.01-65.00%65.01-70.00%70.01-75.00% 75.01-80.00% *Purchase Special ARM -0.125>=760 -0.500 -0.375 -0.250 0.125 0.250 Applicable to All
740-759 -0.375 -0.250 -0.125 0.250 0.625 Occupancy720-739 -0.250 -0.125 0.000 0.500 0.750 * Second Home & LTV/CLTV <=60% 0.000
700-719 -0.125 0.125 0.250 0.750 1.125 * Second Home & LTV/CLTV 60.01-65% 0.250
<700 0.000 0.250 * Second Home & LTV/CLTV 65.01-70% 0.375Loan Purpose * Second Home & LTV/CLTV 70.01-75% 0.625
* Cashout & LTV/CLTV<=60% 0.125 Property Type* Cashout & LTV/CLTV 60.01-65% 0.250 * 2-4 Units & LTV/CLTV 65.01-70% 0.250* Cashout & LTV/CLTV 65.01-70% 0.375 * 2-4 Units & LTV/CLTV 70.01-75% 0.500
* Cashout & LTV/CLTV 70.01-75% 1.250 * 2-4 Units & LTV/CLTV 75.01-80% 0.875Miscellaneous Balance Change/Loan Amount Tolerance* DTI >40% & LTV/CLTV 70.01-75% 0.125 * Loan amount change $45,001-$75,000 0.125
* DTI >40% & LTV/CLTV 75.01-80% 0.250 * Loan amount change $75,000-$150,000 0.250
*Purchase Special 15 YR fixed -0.125 Miscellaneous*Purchase Special 30 YR fixed -0.250 * Escrow Waiver (Excluding CA, NC, AND DC) 0.125Applicable to ARM LoansLoan Amount * Loans <=$1M & LTV/CLTV <=60% -0.250
* Loans <=$1M & LTV/CLTV 60.01-65% -0.125
* Loans >$1M-$1.5M & LTV/CLTV <=60% -0.125
* Loans >$1M-$1.5M & LTV/CLTV 70.01-75% 0.125
* Loans >$1M-$1.5M & LTV/CLTV 75.01-80% 0.250
Credit ScoreLTV/CLTV (%)
FICO <=60.00% 60.01-65.00%65.01-70.00%70.01-75.00% 75.01-80.00%
>=760 -0.375 -0.250 -0.125 0.125 0.375 Maximum Rebate/Price Cap740-759 -0.250 -0.125 0.000 0.375 0.750 (Price cap is after all LLPAs but before Lender Paid Comp)
720-739 -0.125 0.000 0.125 0.625 0.875 * Platinum 30 yr Fixed Rate 101.260700-719 0.000 0.250 0.375 0.875 1.250 * Platinum 15 yr Fixed Rate 101.010
<700 0.125 0.375 * Platinum 10/1 ARM, 7/1 ARM, 5/1 ARM 100.885
Credit Score* Refi Adjuster 7/1 & 5/1 ARM 0.250
FICO <=60.00% 60.01-70.00%70.01-75.00%75.01-80.00% 80.01-85.00% * Refi Adjuster 15 Yr. 0.250
>=800 -0.750 -0.625 -0.500 -0.250 0.000 * Refi Adjuster 10/1 ARM 0.250
780-799 -0.625 -0.500 -0.375 -0.125 0.250 * Refi Adjuster 30Yr 0.250
760-779 -0.500 -0.375 -0.125 0.125 0.750 * Cash-Out Refinance LTV <=50% 0.125
740-759 -0.375 -0.125 0.125 0.375 1.375 * Cash-Out Refinance LTV >50% <=60% 0.250
720-739 -0.125 0.250 0.500 0.875 * Cash-Out Refinance LTV >60% 0.375
700-719 0.125 0.500 0.875 1.375
Loan Amount *Auto Pay Special Feature (Rate Adjustment) -0.250
* Loans >=$1mm -0.125 *State Adjuster 30/20 Yr. (CT,IL,KS,MO,NJ) -0.500
Property Type *State Adjuster 15/10 Yr. (CT,IL,KS,MO,NJ) -0.375
* 3 Unit Property 0.375 *State Adjuster 7/1,5/1 ARMS (CT,IL,KS,MO,NJ) -0.375
* 4 Unit Property 1.000
Occupancy*Second Home 0.250
* Investment Property (5/1 ARM N/A) 1.750
Rate Sheet: Whls-1004
Miscellaneous
Base Pricing Assumes Borrower Paid Compensation
Wednesday, April 25, 2018 Wholesale Rates effective until 3:30 pm PDT (In an occurrence of a Price Change, Notification will be sent)
JUMBO PRICE ADJUSTMENTS (Continued)
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Silver Medal Jumbo Price Adjustments
Applicable to AllLoan Purpose
LTV/CLTV (%)
Page 12
7:30AM
Niche Jumbo 30 Yr Fixed Niche Jumbo 5/1 ARMRate 30 45 Start Rate 30 45
6.500% (1.048) (0.798) 6.125% (1.423) (1.173)
6.375% (0.813) (0.563) 6.000% (1.196) (0.946)
6.250% (0.579) (0.329) 5.875% (0.970) (0.720)
6.125% (0.350) (0.100) 5.750% (0.745) (0.495)
6.000% (0.143) 0.107 5.625% (0.520) (0.270)
5.875% 0.060 0.310 5.500% (0.296) (0.046)
5.750% 0.258 0.508 5.375% (0.079) 0.171
5.625% 0.451 0.701 5.250% 0.136 0.386
5.500% 0.638 0.888 5.125% 0.350 0.600
5.375% 0.817 1.067 5.000% 0.561 0.811
5.250% 0.985 1.235 4.875% 0.772 1.022
5.125% 1.148 1.398 4.750% 0.981 1.231
5.000% 1.326 1.576
Rate 30 45 Start Rate 30 45
7.125% (0.013) 0.237 6.750% (0.414) (0.164)
7.000% 0.222 0.472 6.625% (0.182) 0.068
6.875% 0.457 0.707 6.500% 0.050 0.300
6.750% 0.692 0.942 6.375% 0.278 0.528
6.625% 0.927 1.177 6.250% 0.506 0.756
6.500% 1.162 1.412 6.125% 0.733 0.983
6.375% 1.397 1.647 6.000% 0.960 1.210
6.250% 1.631 1.881 5.875% 1.186 1.436
6.125% 1.860 2.110 5.750% 1.411 1.661
6.000% 2.067 2.317 5.625% 1.636 1.886
5.875% 2.270 2.520 5.500% 1.860 2.110
5.750% 2.468 2.718 5.375% 2.077 2.327
5.625% 2.661 2.911
Non-Prime Adv 30 Yr Fixed Non-Prime Adv 5/1 ARMRate 30 45 Rate 30 45
8.375% 0.387 0.637 8.000% (0.246) 0.004
8.250% 0.622 0.872 7.875% 0.080 0.330
8.125% 0.857 1.107 7.750% 0.384 0.634
8.000% 1.092 1.342 7.625% 0.667 0.917
7.875% 1.327 1.577 7.500% 0.943 1.193
7.750% 1.562 1.812 7.375% 1.176 1.426
7.625% 1.797 2.047 7.250% 1.408 1.658
7.500% 2.032 2.282 7.125% 1.640 1.890
7.375% 2.267 2.517 7.000% 1.872 2.122
7.250% 2.502 2.752 6.875% 2.104 2.354
7.125% 2.737 2.987 6.750% 2.336 2.586
7.000% 2.972 3.222 6.625% 2.568 2.818
6.875% 3.207 3.457
Rate Sheet: Whls-1004
*Loan Amounts from $100,000 to $1 Million
*LTV to 85%
6.50 Margin, 2/2/6 Caps
NON-PRIME ADVANTAGEProgram Highlights
NICHE NON-PRIME ADVANTAGE
*No seasoning for bankruptcy, foreclosure, deed in lieu or short sale
*580 Minimum Credit Score
*No Mortgage or Rental Pay History Required
*Multiple Derogatory Events with 4 Year Seasoning
*Mortgage Lates in Last Year Allowed
*610 Minimum Credit Score
*90% LTV with No MI
5.00 Margin, 2/2/6 Caps *Non Warrantable Condos (including Condotels)
Alt Access 30 Yr Fixed Alt Access 5/1 ARM Program HighlightsNICHE ALTERNATIVE ACCESS
*Loan amounts from $100,000 to $1.5 Million
*Derogatory Credit with 24 Month Seasoning
*Restricted Stock and Asset Depletion Allowed
*650 Minimum Credit Score
*85% LTV Cash Out Refinance
4.50 Margin, 2/2/6 Caps *Non Warrantable Condos (including Condotels)
ALTERNATIVE ACCESS
Base Pricing Assumes Borrower Paid Compensation
Wednesday, April 25, 2018 Wholesale Rates effective until 3:30 pm PDT (In an occurrence of a Price Change, Notification will be sent)
NICHE JUMBO
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Program HighlightsNICHE JUMBO
*Loan Amounts from $100,000 to $3 Million
*4 Year Seasoning on Derogatory Credit
*90% LTV with No MI
Page 13
7:30AM
Adjustments to RATE:
0-70% 70.01-75% 75.01-80% 80.01-85% >85%
*Second Home 0.250 0.250 0.250 0.250 0.250
*Cash-Out (Except Debt Consol) 0.375 0.375 0.375 0.375 N/A
*2-4 Units 0.125 0.125 0.125 0.125 0.125
0.500 0.500 0.500 0.500 0.500
0-70% 70.01-75% 75.01-80% 80.01-85% >85%
-0.500 -0.375 -0.250 0.250 0.500
-0.375 -0.250 -0.125 0.375 0.625
-0.250 -0.125 0.000 0.500 0.750
0.000 0.125 0.250 0.625 0.875
0.125 0.250 0.375 0.750 1.125
0.500 0.625 0.750 1.125 N/A
Adjustments to PRICE:
0-70% 70.01%-75% 75.01-80% 80.10%-85% >85%
-0.500 -0.500 -0.500 -0.625 -0.750
-0.250 -0.250 -0.250 -0.375 -0.500
0.250 0.250 0.250 0.000 -0.500
0.250 0.250 0.250 0.000 -0.500
0.125 0.125 0.125 -0.125 -0.500 *Niche Jumbo Debt Consol 30 Yr Fixed (price same as Niche Jumbo 30)
-0.125 -0.125 -0.125 -0.250 -0.740 *Niche Jumbo Debt Consol 5/1 ARM (price same as Niche Jumbo 5/1)
-0.250 -0.250 -0.250 -0.250 -0.750 *Niche Jumbo Texas HE 30 Yr Fixed (price same as Niche Jumbo 30)
-0.375 -0.375 -0.375 -0.375 -1.000 Maximum Rebate/Price Cap-0.250 -0.250 -0.250 -0.375 -0.500 (Price cap is after all LLPAs but before Lender Paid Comp)
-0.125 -0.125 -0.125 -0.125 -0.250 *Niche Jumbo 30 Yr Fixed 101.400
N/A N/A N/A -0.500 -0.500 *Niche Jumbo 5/1 ARM 101.400
Adjustments to RATE:
0-65% 65.01-70% 70.01-75% 75.01-80% 80.01-85%
0.250 0.250 0.250 0.250 0.250
0.375 0.375 0.375 0.375 N/A
0.125 0.125 0.125 0.125 0.125
0-65% 65.01-70% 70.01-75% 75.01-80% 80.01-85%
-0.875 0.750 -0.625 -0.500 0.000
-0.750 -0.625 -0.500 -0.375 0.125
-0.625 -0.500 -0.375 -0.250 0.250
-0.375 -0.250 -0.125 0.000 0.375
-0.250 -0.125 0.000 0.125 0.500
0.000 0.125 0.250 0.375 0.750
0.250 0.375 0.500 0.625 1.125
0.500 0.625 0.750 1.000 N/A
Adjustments to PRICE:
0-65% 65.01-70% 70.01-75% 75.01-80% 80.01-85%
-0.375 -0.375 -0.375 -0.370 -0.500
-0.250 -0.250 -0.250 -0.250 -0.375
0.250 0.250 0.250 0.250 -0.250
1.000 1.000 1.000 1.000 -0.250 *Alt Access Debt Consol 30 Yr Fixed (price same as Alt Access 30)
1.000 1.000 1.000 1.000 -0.250 *Alt Access Debt Consol 5/1 ARM (price same as Alt Access 5/1)
0.375 0.375 0.375 0.375 -0.250 *Alt Access Texas HE 30 Yr Fixed (price same as Alt Access 30)
0.250 0.250 0.250 0.250 -0.250
0.125 0.125 0.125 0.125 -0.250 (Price cap is after all LLPAs but before Lender Paid Comp)
-0.375 -0.375 -0.375 -0.375 -0.375 *Alternative Access 30 Yr Fixed 101.000
-0.125 -0.125 -0.125 -0.125 -0.125 *Alternative Access 5/1 ARM 101.000
Adjustments to RATE:
0-65% 65.01-70% 70.01-75% 75.01-80% 80.01-85%
0.250 0.250 0.250 0.250 0.250
0.375 0.375 0.375 0.375 N/A
0.125 0.125 0.125 0.125 0.125
0-65% 65.01-70% 70.01-75% 75.01-80% 80.01-85%
-0.750 -0.625 -0.500 -0.375 0.125
-0.625 -0.500 -0.375 -0.250 0.250
-0.375 -0.250 -0.125 0.000 0.375
-0.250 -0.125 0.000 0.125 0.500
0.000 0.125 0.250 0.375 0.625
0.250 0.375 0.500 0.625 N/A
0.500 0.625 N/A N/A N/A
0.750 0.875 N/A N/A N/A
Adjustments to PRICE:
0-65% 65.01-70% 70.01-75% 75.01-80% 80.01-85%
-0.375 -0.375 0.375 -0.500 -0.500
-0.125 -0.125 -0.125 -0.250 -1.000 *Non-Prime Advtg Debt Consol 30 Yr Fixed (price same as Non-Prime Advtg 30)
1.000 0.750 0.750 -0.250 -1.000 *Non-Prime Advtg Debt Consol 5/1 ARM (price same as Non-Prime Advtg 5/1)
1.000 0.750 0.750 -0.250 -1.000 *Non-Prime Advtg Texas HE 30 Yr Fixed (price same as Non-Prime Advtg 30)
1.000 0.750 0.750 -0.250 -1.000
0.250 0.250 0.250 -0.250 -1.000 (Price cap is after all LLPAs but before Lender Paid Comp)
-0.375 -0.375 -0.375 -0.375 -0.500 *Non-Prime Advantage 30 Yr Fixed 101.000
-0.125 -0.125 -0.125 -0.125 -0.250 *Non-Prime Advantage 5/1 ARM 101.000Rate Sheet: WHLS-1004
*Condo N/A
*Ln Amt $600k-$849,999 N/A Maximum Rebate/Price Cap*Ln Amt >=$850k N/A
*Refiannce N/A
*Ln Amt $200k-$349,999 N/A
*Ln Amt $350k-$449,999 N/A
*Ln Amt $450k-$599,999 N/A
LTV (%)
Misc Adjustments >85%
*Ln Amt $100k-$199,999 N/A
*600-619 FICO N/A
*580-599 FICO N/A
*660-679 FICO N/A
*640-659 FICO N/A
*620-639 FICO N/A
*720+ FICO N/A
*700-719 FICO N/A
*680-699 FICO N/A
LTV (%)
FICO Score Adjustments >85%
*Second Home N/A
*Cash-Out (Except Debt Consol) N/A
*2-4 Units N/A
LTV (%)Misc Adjustments >85%
*Condo -0.250
Niche Non-Prime Advantage Rate/Price Adjustments
*Ln Amt $850k-$999,999 -0.625 Maximum Rebate/Price Cap*Ln Amt >=$1MM -0.625
*Refiannace -0.625
*Ln Amt $350k-$449,999 -0.625
*Ln Amt $450k-$599,999 -0.625
*Ln Amt $600k-$849,999 -0.625
*Ln Amt $100k-$149,999 -0.625
*Ln Amt $150k-$199,999 -0.625
*Ln Amt $200k-$349,999 -0.625
LTV (%)Misc Adjustments >85%
*620-639 FICO N/A
*610-619 FICO N/A
*680-699 FICO 0.625
*660-679 FICO 0.875
*640-659 FICO N/A
*740+ FICO 0.250
*720-739 FICO 0.375
*700-719 FICO 0.500
LTV (%)
FICO Score Adjustments >85%
*Second Home 0.250
*Cash-Out (Except Debt Consol) N/A
*2-4 Units 0.125
LTV (%)
Misc Adjustments >85%
*Ln Amt $1,500,000-1,999,999
*Ln Amt $>=2,000,000
*Refiannce
*Condo
*>80% LTV and <700 Fico
Niche Alternative Access Rate/Price Adjustments
*Ln Amt $100K-$199,999
*Ln Amt $200K-$299,999
*Ln Amt $300K-$599,999
*Ln Amt $600K-$799,999
*Ln Amt $800K-$999,999
*Ln Amt $1mm-$1,499,999
*680-699 FICO
*660-679 FICO
*650-659 FICO
LTV (%)
Misc Adjustments
LTV (%)
FICO Score Adjustments
*740+ FICO
*720-739 FICO
*700-719 FICO
Wednesday, April 25, 2018 Wholesale Rates effective until 3:30 pm PDT (In an occurrence of a Price Change, Notification will be sent)
NICHE/NON-PRIME PRICE ADJUSTMENTS
NIC
HE
/NO
N-P
RIM
E
Niche Jumbo Rate/Price Adjustments
LTV (%)
Misc Adjustments
*Asset Depletion, RSU Income
Page 14
7:30AM
30 Yr Fixed 20 Yr Fixed 15/10 Yr FixedRate 30 45 Rate 30 45 Rate 30 45
8.250% (3.974) (3.724) 7.875% (3.974) (3.724) 7.750% (3.974) (3.724)
8.125% (3.724) (3.474) 7.750% (3.724) (3.474) 7.625% (3.724) (3.474)
8.000% (3.474) (3.224) 7.625% (3.474) (3.224) 7.500% (3.474) (3.224)
7.875% (3.209) (2.959) 7.500% (3.209) (2.959) 7.375% (3.209) (2.959)
7.750% (2.912) (2.662) 7.375% (2.912) (2.662) 7.250% (2.912) (2.662)
7.625% (2.570) (2.320) 7.250% (2.570) (2.320) 7.125% (2.570) (2.320)
7.500% (2.195) (1.945) 7.125% (2.195) (1.945) 7.000% (2.195) (1.945)
7.375% (1.790) (1.540) 7.000% (1.790) (1.540) 6.875% (1.790) (1.540)
7.250% (1.352) (1.102) 6.875% (1.352) (1.102) 6.750% (1.352) (1.102)
7.125% (0.915) (0.665) 6.750% (0.915) (0.665) 6.625% (0.915) (0.665)
7.000% (0.462) (0.212) 6.625% (0.462) (0.212) 6.500% (0.462) (0.212)
6.875% 0.021 0.271 6.500% 0.021 0.271 6.375% 0.021 0.271
6.750% 0.521 0.771 6.375% 0.521 0.771 6.250% 0.521 0.771
Applicable to All
* Closed-End Second 102.50
FICO <=60.00% 60.01-65% 70.01-75% 75.01-80% 85.01-90% 90.01-95% '(Price cap is before Lender Paid Comp)>=760 -0.750 -0.750 -0.500 -0.375 0.375 1.000
740-759 0.000 0.000 0.250 0.500 1.250 2.000 * Closed-End Second 98.00
720-739 0.000 0.000 0.250 0.500 1.250 2.000700-719 0.875 0.875 1.000 1.250 n/a n/a
680-699 0.875 0.875 1.000 1.250 n/a n/a * Closed-End Second 10.00%
* Closed-End Second 4.00%
FICO <=60.00% 60.01-65% 70.01-75% 75.01-80% 85.01-90% 90.01-95%
>=760 0.000 0.000 -0.125 -0.250 -0.375 -0.375
740-759 0.000 0.000 -0.125 -0.250 -0.375 -0.375
720-739 0.000 0.000 -0.125 -0.250 -0.375 -0.375
700-719 0.000 0.000 -0.125 -0.250 n/a n/a
680-699 0.000 0.000 -0.125 -0.250 n/a n/a
<=60.00% 60.01-65% 70.01-75% 75.01-80% 85.01-90% 90.01-95%
2nd Home 0.000 0.000 0.250 0.375 n/a n/a
2-4 Units 0.000 0.125 0.250 0.250 n/a n/a
Condo 0.000 0.000 0.125 0.125 0.250 0.250
Rate Sheet: WHLS-1004
0.000 0.250
CLTV (%)
65.01-70% 80.01-85%
0.125 0.500
0.125 0.500
-0.125 -0.250 *If using a PRMG Closed End second,
the PRMG 1st Lien will be subject to a
LLPA that will be manually added by
Secondary and will be: 0.300 to the
price.
-0.125 -0.250
-0.125 -0.250
-0.125 -0.250
OTHER Rate Adjustments
DTI < 25% Rate Adjustments Min Interest Rate/Rate Cap:CLTV (%)
65.01-70% 80.01-85%
-0.125 -0.250
0.000 0.7500.875 1.625 Max Interest Rate/Rate Cap:0.875 1.625
65.01-70% 80.01-85%
-0.750 -0.125 Min Cost/Price Cap:0.000 0.750
Base Pricing Assumes Borrower Paid Compensation
Wednesday, April 25, 2018 Wholesale Rates effective until 5:00 pm PDT, ARMs until 3:30 pm PDT (In an occurrence of a Price Change, Notification will be sent)
CLOSED-END SECOND
SE
CO
ND
LIE
NS
CLOSED-END SECOND RATE ADJUSTMENTSApplicable to All FICO - CLTV Rate Adjustments Max Rebate/Price Cap:
CLTV (%)
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