Rates - Total Mortgage Wholesale

Effective Date:
Borrower/ Consumer Paid Rate Sheet
2/5/2015
Table of Contents
Agy Fxd:
No Over.
Agy Arm:
DURP:
Fre. Rel.
2
3
4
5
6
Govt.
Coops
Jumbo
Spec. Prod
Acy Adj.
HARP Adj.
Index Values
7-8 1 Year Libor
9
1 Year Treasury
9 & 10
12-14
15
16
0.6200
0.1700
Total Mortgage Wholesale
185 Plains Road
Suite 300E
Milford, CT 06461
Effective Time:
11:27 AM
Processing Center
Milford
Main:
888-371-2989
Lock Desk
Fax:
203-783-5680
www.totalmortgagewholesale.com
News and Announcements
Expiration Dates
TMS Fees
15 day locks: Must be in Decisioned or Resubmittal Status
15 Day:
30 Day:
45 Day:
60 Day:
2/20/2015
3/9/2015
3/22/2015
4/6/2015
LOCK EXTENSIONS:
Minimum 5 days
6 - 30 days (Max 30 days)
10 bps
2 bps per day
.125 pt Purchase incentive on all Conforming
Fixed & FHA Fixed with FICO > = 720 (N/a for
Direct to Fannie & Freddie programs, FHA
Select)
> Eligible Lock Period: All Lock Periods
RATE LOCK POLICY:
Please refer to lock policy posted on web site:
Agency:
FHA/ USDA
FHA Streamline
Doc Prep Fee (Texas Only)
Rate Lock Correspondence
[email protected]
Max Rebate (Inclusive of risk hits)
Conf. Fixed & FHA/VA Fxd, USDA(N/A FHA 30):
www.totalmortgagewholesale.com
Pricing Availability: 12:00 AM EST Same business day
> Can not be used in conjunction with any
other incentive
Title
VP Wholesale
E-mail address
[email protected]
103.50
FHA/VA 30 Year, FHA 30 Yr Select:
104.00
FHA/VA 30 Yr High Balance:
103.50
Conforming Arms & FHA Arms:
102.50
Wholesale Sales Team
Name
Robin Buttner
$895.00
$895.00
$499.00
$225.00
FHA Sponsor ID #s
Cell Phone
203-783-4526
ID #'s
States
13506-0000-5
All States
Average Prime Offer Rate
30 Year Fixed :
20 Year Fixed :
3.71
3.05
15 Year Fixed :
5/1 Arm :
7/1 Arm :
Max Note rate: APOR + 1.50%
3.05
2.92
3.05
Account Manager
Name
Marc Carr
Barbara Dieckman
Kimberly Gresik
Kathleen Hanrahan
Erica Khan
E-mail address
[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
Mortgagee Clause
Telephone
203-783-4546
203-707-5709
203-783-4528
203-783-5569
203-783-4507
Total Mortgage Services, LLC.
ISAOA, ATIMA
185 Plains Road
Milford, CT 06461
Fees Buyout
Lender Paid Compensation Plans
Plan
Loan Amount Range
Compensation Percentage
A
0.750
E11
1.875
Lender Paid compensation plan's have been
50,000 - 75,000
1.432
A1
B
B1
C
C1
D
D1
E
0.875
1.000
1.125
1.250
1.375
1.500
1.625
1.750
F
F1
G
G1
H
H1
I
2.000
2.125
2.250
2.375
2.500
2.625
2.750
embedded into our pricing engine. Should you
choose to price a lender paid scenario, the
dollar equivalent of your plan will be reflected in
search results.
75,001 - 100,000
100,001 - 125,000
125,001 - 150,000
150,001 - 175,000
175,001 - 200,000
200,001 - 250,000
250,001 - 300,000
300,001 - 350,000
1.023
0.796
0.651
0.551
0.477
0.398
0.325
0.275
350,001 - 417,000
417,001 - 625,500
625,501 - 1,000,000
> 1,000,000
0.233
0.172
0.110
0.000
If you want to manually price, please make sure to
take your compensation into consideration
Max cumulative pay-out is capped at $22,500 (Inclusive of borrower credit and broker comp)
Effective Date:
Borrower/ Consumer Paid Rate Sheet
2/5/2015
Effective Time:
11:27 AM
Conforming Fixed
1
2
3
30 Yr Fixed
20 Yr Fxd
Page 2
4
WS - C10 Fxd
WS - C15 Fxd
WS - C20 Fxed
WS - C30 Fxd
15 Yr Fxd
10 Yr Fxd
Note Rate
15-Day
30-Day
Note Rate
15-Day
30-Day
Note Rate
15-Day
30-Day
Note Rate
15-Day
30-Day
4.625
4.500
4.375
4.250
4.125
4.000
3.990
3.875
3.750
3.625
3.500
3.375
3.250
-5.750
-5.621
-5.396
-5.044
-4.376
-3.737
-3.657
-3.131
-2.597
-1.834
-0.922
-0.029
0.669
-5.697
-5.516
-5.291
-4.939
-4.271
-3.632
-3.552
-3.026
-2.492
-1.729
-0.817
0.076
0.774
4.250
4.125
4.000
3.875
3.750
3.625
3.500
3.375
3.250
-4.500
-4.500
-3.932
-3.711
-3.307
-2.690
-1.956
-1.172
-0.334
-4.500
-4.432
-3.827
-3.606
-3.202
-2.585
-1.851
-1.067
-0.229
3.750
3.625
3.500
3.375
3.250
3.125
3.000
2.875
2.750
-4.500
-4.500
-4.134
-3.658
-3.255
-2.825
-2.290
-1.567
-0.910
-4.500
-4.487
-4.034
-3.558
-3.155
-2.725
-2.190
-1.467
-0.810
3.750
3.625
3.500
3.375
3.250
3.125
3.000
2.875
2.750
-4.500
-4.500
-4.112
-3.638
-3.194
-2.884
-2.438
-1.877
-1.257
-4.500
-4.412
-4.012
-3.538
-3.094
-2.784
-2.338
-1.777
-1.157
14
14
WS - HB30 Fxd
WS-HB15 Fxd
30 Year High Bal.
15 Year Fixed Hgh Balance
Note Rate
15-Day
30-Day
Note Rate
15-Day
30-Day
5.125
5.000
4.875
4.750
4.625
4.500
4.375
4.250
4.125
4.000
3.875
3.750
3.625
3.500
3.375
-4.500
-4.500
-4.500
-4.500
-4.500
-4.419
-3.965
-3.495
-2.968
-2.173
-1.794
-1.256
-0.471
0.421
1.435
-4.500
-4.500
-4.500
-4.500
-4.500
-4.314
-3.860
-3.390
-2.863
-2.068
-1.689
-1.151
-0.366
0.526
1.540
4.000
3.875
3.750
3.625
3.500
3.375
3.250
3.125
3.000
-4.420
-4.140
-3.787
-3.438
-2.954
-2.393
-2.040
-1.654
-1.113
-4.320
-4.040
-3.687
-3.338
-2.854
-2.293
-1.940
-1.554
-1.013
Please see page 15 for feature adjustments
Effective Date:
Borrower/ Consumer Paid Rate Sheet
2/5/2015
Effective Time:
11:27 AM
Fannie Delivery Fixed
25
25
25
30 Yr Fixed
20 Yr Fxd
Page 3
25
WS-C15 Fxd FNMA
WS - C20 Fxd FNMA
WS - C30 Fxd FNMA
WS - C10 Fxd FNMA
10 Yr Fxd
15 Yr Fxd
Note Rate
15-Day
30-Day
Note Rate
15-Day
30-Day
Note Rate
15-Day
30-Day
Note Rate
15-Day
30-Day
4.500
4.375
4.250
4.125
4.000
3.875
3.750
3.625
3.500
-5.398
-5.054
-4.739
-4.242
-3.707
-3.101
-2.567
-1.804
-0.842
-5.293
-4.949
-4.634
-4.137
-3.602
-2.996
-2.462
-1.699
-0.737
4.125
4.000
3.875
3.750
3.625
3.500
3.375
3.250
3.125
-4.339
-3.858
-3.457
-2.976
-2.372
-1.588
-0.763
0.038
1.136
-4.234
-3.753
-3.352
-2.871
-2.267
-1.483
-0.658
0.143
1.241
3.750
3.625
3.500
3.375
3.250
3.125
3.000
2.875
2.750
-4.500
-4.381
-4.025
-3.494
-3.094
-2.629
-2.116
-1.403
-0.776
-4.484
-4.281
-3.925
-3.394
-2.994
-2.529
-2.016
-1.303
-0.676
3.750
3.625
3.500
3.375
3.250
3.125
3.000
2.875
2.750
-4.422
-4.204
-3.844
-3.398
-3.014
-2.522
-2.033
-1.465
-0.927
-4.322
-4.104
-3.744
-3.298
-2.914
-2.422
-1.933
-1.365
-0.827
25
25
25
WS - HB15 Fxd FNMA
WS - HB30 Fxd FNMA
30 Yr Fxd High Bal.
15 Yr Fxd High Bal.
WS - C30 Fxd MCM FNMA
30 Yr Fxd My Community
Note Rate
15-Day
30-Day
Note Rate
15-Day
30-Day
Note Rate
15-Day
30-Day
4.750
4.625
4.500
4.375
4.250
4.125
4.000
3.875
3.750
-4.169
-3.806
-3.491
-3.099
-2.706
-2.280
-1.759
-1.302
-0.830
-4.064
-3.701
-3.386
-2.994
-2.601
-2.175
-1.654
-1.197
-0.725
4.000
3.875
3.750
3.625
3.500
3.375
3.250
3.125
3.000
-3.648
-3.642
-3.635
-3.614
-3.389
-2.915
-2.441
-2.004
-1.395
-3.548
-3.542
-3.535
-3.514
-3.289
-2.815
-2.341
-1.904
-1.295
4.500
4.375
4.250
4.125
4.000
3.875
3.750
3.625
3.500
-4.500
-4.171
-3.605
-3.000
-2.390
-1.820
-0.950
0.002
0.825
-4.498
-4.066
-3.500
-2.895
-2.285
-1.715
-0.845
0.107
0.930
Freddie Delivery Fixed & Arms
25
25
25
30 Yr Fixed
25
WS - C15 Fxd FHLMC
WS - C20 Fxd FHLMC
WS - C30 Fxd FHLMC
20 Yr Fxd
25
WS - HB30 Fxd FHLMC
15 Yr Fxd
30 Yr Fxd High Bal.
WS - HB20 Fxd FHLMC
20 Yr Fxd High Bal.
Note Rate
15-Day
30-Day
Note Rate
15-Day
30-Day
Note Rate
15-Day
30-Day
Note Rate
15-Day
30-Day
Note Rate
15-Day
30-Day
4.625
4.500
4.375
4.250
4.125
4.000
3.875
3.750
3.625
-5.750
-5.220
-5.140
-4.659
-4.083
-3.430
-2.874
-2.382
-1.745
-5.718
-5.115
-5.035
-4.554
-3.978
-3.325
-2.769
-2.277
-1.640
4.250
4.125
4.000
3.875
3.750
3.625
3.500
3.375
3.250
-4.500
-4.500
-3.952
-3.771
-3.367
-2.750
-2.016
-1.232
-0.394
-4.500
-4.492
-3.847
-3.666
-3.262
-2.645
-1.911
-1.127
-0.289
3.750
3.625
3.500
3.375
3.250
3.125
3.000
2.875
2.750
-4.500
-4.486
-4.003
-3.432
-3.159
-2.716
-2.188
-1.487
-0.830
-4.500
-4.386
-3.903
-3.332
-3.059
-2.616
-2.088
-1.387
-0.730
4.750
4.625
4.500
4.375
4.250
4.125
4.000
3.875
3.750
-4.500
-4.198
-3.500
-3.420
-2.939
-2.343
-1.650
-1.094
-0.582
-4.500
-4.093
-3.395
-3.315
-2.834
-2.238
-1.545
-0.989
-0.477
4.500
4.375
4.250
4.125
4.000
3.875
3.750
3.625
3.500
-4.414
-4.099
-3.716
-3.164
-2.504
-2.323
-1.888
-1.271
-0.522
-4.309
-3.994
-3.611
-3.059
-2.399
-2.218
-1.783
-1.166
-0.417
25
25
25
15 Yr Fxd High Bal.
25
WS - 7/1 Libor FHLMC
WS - 5/1 Libor FHLMC
WS - HB15 Fxd FHLMC
5/1 Libor Arm
WS - 10/1 Libor FHLMC
7/1 Libor Arm
10/1 Libor Arm
Note Rate
15-Day
30-Day
Note Rate
15-Day
30-Day
Note Rate
15-Day
30-Day
Note Rate
15-Day
30-Day
4.250
4.125
4.000
3.875
3.750
3.625
3.500
3.375
3.250
-4.500
-4.211
-3.725
-3.942
-3.513
-3.084
-2.587
-1.989
-1.716
-4.500
-4.111
-3.625
-3.842
-3.413
-2.984
-2.487
-1.889
-1.616
3.625
3.500
3.375
3.250
3.125
3.000
2.875
2.750
2.625
-2.959
-2.776
-2.593
-2.186
-1.591
-1.269
-0.922
-0.885
-1.050
-2.859
-2.676
-2.493
-2.086
-1.491
-1.169
-0.822
-0.785
-0.950
3.750
3.625
3.500
3.375
3.250
3.125
3.000
2.875
2.750
-2.774
-2.431
-2.194
-1.926
-1.657
-1.418
-1.150
-0.882
-0.613
-2.674
-2.331
-2.094
-1.826
-1.557
-1.318
-1.050
-0.782
-0.513
4.000
3.875
3.750
3.625
3.500
3.375
3.250
3.125
3.000
-2.925
-2.915
-2.512
-1.883
-1.615
-1.378
-0.819
-0.087
0.373
-2.825
-2.815
-2.412
-1.783
-1.515
-1.278
-0.719
0.013
0.473
Caps:
2/2/5
Caps:
5/2/5
Caps:
2/2/5
Margin:
Index:
2.25
1 yr Libor
Margin:
Index:
2.25
1 yr Libor
Margin:
Index:
2.25
1 yr Libor
0.62
Please see page 15 for feature adjustments
0.62
0.62
Effective Date:
Borrower/ Consumer Paid Rate Sheet
2/5/2015
Effective Time:
11:27 AM
Conforming Arms
10
10
5/1 Arm
Page 4
10
WS - C10/1 Libor Arm
WS - C7/1 Libor Arm
WS - C5/1 225 Libor Arm
7/1 Arm
10/1 Arm
Note Rate
15-Day
30-Day
Note Rate
15-Day
30-Day
Note Rate
15-Day
30-Day
3.875
3.750
3.625
3.500
3.375
3.250
3.125
3.000
2.875
2.750
2.625
2.500
2.375
2.250
-3.007
-3.129
-2.928
-2.608
-2.286
-1.932
-1.578
-1.193
-0.807
-0.424
-0.034
0.354
0.743
1.634
-2.907
-3.029
-2.828
-2.508
-2.186
-1.832
-1.478
-1.093
-0.707
-0.324
0.066
0.454
0.843
1.734
4.125
4.000
3.875
3.750
3.625
3.500
3.375
3.250
3.125
3.000
2.875
2.750
2.625
2.500
-3.568
-3.418
-3.272
-3.024
-2.779
-2.378
-1.975
-1.557
-1.327
-1.130
-0.676
-0.202
0.394
1.167
-3.468
-3.318
-3.172
-2.924
-2.679
-2.278
-1.875
-1.457
-1.227
-1.030
-0.576
-0.102
0.494
1.267
4.375
4.250
4.125
4.000
3.875
3.750
3.625
3.500
3.375
3.250
3.125
3.000
2.875
2.750
-2.543
-2.940
-3.000
-3.000
-2.844
-2.357
-1.888
-1.711
-1.275
-0.813
-0.197
0.588
1.140
3.320
-2.443
-2.840
-3.000
-3.000
-2.744
-2.257
-1.788
-1.611
-1.175
-0.713
-0.097
0.688
1.240
3.420
2/2/5
2.25
1 yr Libor
0.62
5/2/5
2.25
1 yr Libor
0.62
5/2/5
2.25
1 yr Libor
0.62
Caps:
Margin:
Index:
Caps:
Margin:
Index:
Caps:
Margin:
Index:
10
10
10
WS - HB5/1 2/2/5 Libor Arm
WS - HB7/1 Libor Arm
WS - HB10/1 Libor Arm
5/1 Arm High Balance
7/1 Arm High Balance
10/1 Arm High Balance
Note Rate
15-Day
30-Day
Note Rate
15-Day
30-Day
Note Rate
15-Day
30-Day
4.000
3.875
3.750
3.625
3.500
3.375
3.250
3.125
3.000
2.875
2.750
2.625
2.500
2.375
-2.395
-2.075
-2.324
-2.123
-1.803
-1.481
-1.127
-0.773
-0.388
-0.002
0.381
0.771
1.159
1.548
-2.295
-1.975
-2.224
-2.023
-1.703
-1.381
-1.027
-0.673
-0.288
0.098
0.481
0.871
1.259
1.648
4.125
4.000
3.875
3.750
3.625
3.500
3.375
3.250
3.125
3.000
2.875
2.750
2.625
-2.788
-2.638
-2.492
-2.244
-1.999
-1.598
-1.195
-0.774
-0.353
0.103
0.560
1.014
1.475
-2.688
-2.538
-2.392
-2.144
-1.899
-1.498
-1.095
-0.674
-0.253
0.203
0.660
1.114
1.575
4.250
4.125
4.000
3.875
3.750
3.625
3.500
3.375
3.250
3.125
3.000
2.875
2.750
-3.531
-3.137
-2.636
-2.139
-1.652
-1.173
-0.671
-0.165
0.335
0.833
1.338
1.845
4.206
-3.431
-3.037
-2.536
-2.039
-1.552
-1.073
-0.571
-0.065
0.435
0.933
1.438
1.945
4.306
5/2/5
2.25
1 yr Libor
0.62
Caps:
Margin:
Index:
2/2/5
2.25
1 yr Libor
0.62
Caps:
Margin:
Index:
5/2/5
2.25
1 yr Libor
0.62
Caps:
Margin:
Index:
Please see page 15 for feature adjustments
Effective Date:
Borrower/ Consumer Paid Rate Sheet
2/5/2015
Effective Time:
11:27 AM
DU Refi Plus
Page 5
22
21
23
WS-C30 Fxd DURP
WS-C20 Fxd DURP
30 Yr Fxd
20 Yr Fxd
WS-C15 Fxd DURP
15 Yr Fxd
Note Rate
15-Day
30-Day
Note Rate
15-Day
30-Day
Note Rate
15-Day
30-Day
4.250
4.125
4.000
3.875
3.750
3.625
3.500
3.375
3.250
-4.500
-3.860
-3.090
-2.780
-2.308
-1.515
-0.556
1.019
1.707
-4.500
-3.743
-2.973
-2.663
-2.191
-1.398
-0.439
1.136
1.824
4.250
4.125
4.000
3.875
3.750
3.625
3.500
3.375
3.250
-4.500
-4.281
-3.828
-3.410
-2.919
-2.314
-1.530
-0.705
0.096
-4.500
-4.164
-3.711
-3.293
-2.802
-2.197
-1.413
-0.588
0.213
3.750
3.625
3.500
3.375
3.250
3.125
3.000
2.875
2.750
-4.500
-4.452
-3.967
-3.407
-2.999
-2.613
-2.071
-1.417
-0.693
-4.500
-4.337
-3.852
-3.292
-2.884
-2.498
-1.956
-1.302
-0.578
20
20
WS-C30 Fxd DURP 105.01-125
30 Yr Fxd 105.01 - 125
20
WS-C20 Fxd DURP 105.01-125
20 Yr Fxd 105.01 - 125
WS-C15 Fxd DURP 105.01 - 125
15 Yr Fxd 105.01 - 125
Note Rate
15-Day
30-Day
Note Rate
15-Day
30-Day
Note Rate
15-Day
30-Day
4.625
4.500
4.375
4.250
4.125
4.000
3.875
3.750
3.625
3.500
3.375
3.250
-4.500
-4.500
-4.500
-4.500
-3.948
-3.067
-2.192
-1.322
-0.255
1.012
2.143
3.137
-4.500
-4.500
-4.500
-4.500
-3.831
-2.950
-2.075
-1.205
-0.138
1.129
2.260
3.254
4.625
4.500
4.375
4.250
4.125
4.000
3.875
3.750
3.625
3.500
3.375
3.250
-4.500
-4.500
-4.500
-4.500
-4.412
-3.791
-3.177
-2.622
-1.904
-1.080
-0.375
0.184
-4.500
-4.500
-4.500
-4.500
-4.295
-3.674
-3.060
-2.505
-1.787
-0.963
-0.258
0.301
4.250
4.125
4.000
3.875
3.750
3.625
3.500
3.375
3.250
3.125
3.000
2.875
-4.500
-4.500
-4.463
-4.199
-3.953
-3.673
-3.250
-2.644
-2.077
-1.503
-0.748
0.382
-4.500
-4.485
-4.348
-4.084
-3.838
-3.558
-3.135
-2.529
-1.962
-1.388
-0.633
0.497
24
24
WS - HB30 Fxd DURP
30 Year High Bal DU Refi Plus
WS - HB15 Fxd DURP
15 Yr Fixed High Bal DURP
Note Rate
15-Day
30-Day
Note Rate
15-Day
30-Day
4.625
4.500
4.375
4.250
4.125
4.000
3.875
3.750
3.625
-4.500
-4.241
-3.787
-3.277
-2.587
-1.817
-1.093
-0.543
0.313
-4.385
-4.124
-3.670
-3.160
-2.470
-1.700
-0.976
-0.426
0.430
4.250
4.125
4.000
3.875
3.750
3.625
3.500
3.375
3.250
-4.500
-4.401
-4.079
-3.860
-3.600
-3.263
-2.779
-2.218
-1.865
-4.500
-4.286
-3.964
-3.745
-3.485
-3.148
-2.664
-2.103
-1.750
Please see page 16 for feature adjustments
Effective Date:
Borrower/ Consumer Paid Rate Sheet
2/5/2015
Effective Time:
11:27 AM
Freddie Relief Open Access
Page 6
15
15
15
WS - C30 Fxd Freddie Relief
WS - C20 Fxd Freddie Relief
WS - C15 Fxd Freddie Relief
30 Year Fixed Freddie Relief
20 Year Fixed Freddie Relief
15 Year Fixed Freddie Relief
Note Rate
15-Day
30-Day
Note Rate
15-Day
30-Day
Note Rate
15-Day
30-Day
4.500
4.375
4.250
4.125
4.000
3.875
3.750
3.625
3.500
3.375
-4.472
-4.392
-3.911
-3.335
-2.682
-2.126
-1.634
-0.997
-0.144
0.749
-4.355
-4.275
-3.794
-3.218
-2.565
-2.009
-1.517
-0.880
-0.027
0.866
4.375
4.250
4.125
4.000
3.875
3.750
3.625
3.500
3.375
3.250
-4.500
-4.500
-3.999
-3.354
-3.173
-2.769
-2.152
-1.418
-0.634
0.204
-4.500
-4.434
-3.882
-3.237
-3.056
-2.652
-2.035
-1.301
-0.517
0.321
4.125
4.000
3.875
3.750
3.625
3.500
3.375
3.250
3.125
3.000
-4.500
-4.482
-4.500
-4.270
-3.841
-3.358
-2.787
-2.514
-2.071
-1.543
-4.500
-4.367
-4.500
-4.155
-3.726
-3.243
-2.672
-2.399
-1.956
-1.428
15
15
WS - C30 Fxd FR 105.01 - 125
15
WS - C20 Fxd FR 105.01 - 125
20 Yr Fxd 105.01 - 125
30 Yr Fxd 105.01 - 125
WS - C15 Fxd FR 105.01 - 125
15 Yr Fxd 105.01 - 125
Note Rate
15-Day
30-Day
Note Rate
15-Day
30-Day
Note Rate
15-Day
30-Day
4.750
4.625
4.500
4.375
4.250
4.125
4.000
3.875
3.750
3.625
-4.500
-3.950
-3.347
-4.500
-4.161
-3.085
-2.432
-2.126
-1.634
-0.997
-4.425
-3.833
-3.230
-4.500
-4.044
-2.968
-2.315
-2.009
-1.517
-0.880
4.375
4.250
4.125
4.000
3.875
3.750
3.625
3.500
3.375
3.250
-4.403
-4.051
-3.499
-2.854
-3.173
-2.769
-2.152
-1.418
-0.634
0.204
-4.286
-3.934
-3.382
-2.737
-3.056
-2.652
-2.035
-1.301
-0.517
0.321
4.125
4.000
3.875
3.750
3.625
3.500
3.375
3.250
3.125
3.000
-4.500
-4.500
-4.500
-4.395
-3.966
-3.483
-2.912
-2.514
-2.071
-1.543
-4.500
-4.492
-4.500
-4.280
-3.851
-3.368
-2.797
-2.399
-1.956
-1.428
Feature adjustments
See Page 14 for Freddie Specific risk adjusters
Applicable Conventional Conforming Risk Adjustments
Loan Size
Regional Adjusters
Lock Period
See Page 13
Effective Date:
Borrower/ Consumer Paid Rate Sheet
2/5/2015
Effective Time:
11:27 AM
FHA
9
8
9
WS - FHA 30 Fxd HB
WS - FHA 30 Fxd
30 Year Fixed FHA
30 Year High Balance
Page 7
8
WS - FHA 15 Fxd
WS - FHA 15 Fxd HB
15 Year FHA
15 Year FHA High Bal.
Note Rate
15-Day
30-Day
Note Rate
15-Day
30-Day
Note Rate
15-Day
30-Day
Note Rate
15-Day
30-Day
4.250
4.125
4.000
3.875
3.750
3.625
3.500
3.375
3.250
-5.000
-5.000
-5.000
-4.819
-4.329
-4.001
-3.523
-2.998
-2.452
-5.000
-5.000
-5.000
-4.709
-4.219
-3.891
-3.413
-2.888
-2.342
4.250
4.125
4.000
3.875
3.750
3.625
3.500
3.375
3.250
-4.110
-4.009
-3.945
-3.129
-2.640
-2.302
-1.816
-1.309
-0.763
-4.000
-3.899
-3.835
-3.019
-2.530
-2.192
-1.706
-1.199
-0.653
3.750
3.625
3.500
3.375
3.250
3.125
3.000
2.875
2.750
-4.500
-4.500
-4.500
-4.500
-4.500
-4.023
-3.575
-3.115
-2.683
-4.500
-4.500
-4.500
-4.500
-4.443
-3.908
-3.460
-3.000
-2.568
4.000
3.875
3.750
3.625
3.500
3.375
3.250
3.125
3.000
-4.375
-4.007
-4.500
-4.184
-3.803
-3.439
-3.032
-1.773
-1.325
-4.260
-3.892
-4.437
-4.069
-3.688
-3.324
-2.917
-1.658
-1.210
9
8
WS - FHA 30 Fxd NCQ SLR W/O A
30 Yr SLR NCQ No Appsl
9
WS - FHA 30 Fxd HB NCQ SLR W/O A
30 Yr HB SLR NCQ No Apr
8
WS - FHA 15 Fxd NCQ SLR W/O A
15 Yr SLR NCQ No Appsl
WS - FHA 15 Fxd HB NCQ SLR W/O A
15 Yr HB SLR NCQ No Apr
Note Rate
15-Day
30-Day
Note Rate
15-Day
30-Day
Note Rate
15-Day
30-Day
Note Rate
15-Day
30-Day
4.250
4.125
4.000
3.875
3.750
3.625
3.500
3.375
3.250
-5.000
-5.000
-5.000
-4.655
-4.166
-3.828
-3.342
-2.835
-2.289
-5.000
-5.000
-5.000
-4.533
-4.044
-3.706
-3.220
-2.713
-2.167
4.500
4.375
4.250
4.125
4.000
3.875
3.750
3.625
3.500
-4.500
-4.248
-3.842
-3.896
-3.832
-3.016
-2.527
-2.189
-1.736
-4.500
-4.126
-3.720
-3.774
-3.710
-2.894
-2.405
-2.067
-1.614
4.000
3.875
3.750
3.625
3.500
3.375
3.250
3.125
3.000
-4.500
-4.500
-4.500
-4.500
-4.500
-4.500
-4.268
-3.898
-3.450
-4.500
-4.500
-4.500
-4.500
-4.500
-4.500
-4.153
-3.783
-3.335
4.000
3.875
3.750
3.625
3.500
3.375
3.250
3.125
3.000
-3.398
-3.039
-2.645
-3.323
-2.905
-2.464
-2.018
-1.648
-1.200
-3.283
-2.924
-2.530
-3.208
-2.790
-2.349
-1.903
-1.533
-1.085
11
11
11
WS - FHA 5/1 Arm
WS - FHA 3/1 Arm
FHA 3/1 Arm
7
WS - FHA HB 5/1 Arm 2.00 Margin
FHA 5/1 Arm
FHA 5/1 Arm High Balance
Note Rate
15-Day
30-Day
Note Rate
15-Day
30-Day
Note Rate
15-Day
30-Day
4.250
4.125
4.000
3.875
3.750
3.625
3.500
0.351
0.351
0.351
0.351
0.562
1.193
1.386
0.501
0.501
0.501
0.501
0.712
1.343
1.536
3.500
3.375
3.250
3.125
3.000
2.875
2.750
-3.264
-3.031
-2.729
-2.352
-1.964
-1.577
-1.189
-3.154
-2.921
-2.619
-2.242
-1.854
-1.467
-1.079
3.500
3.375
3.250
3.125
3.000
2.875
2.750
-2.500
-2.289
-2.017
-1.537
-1.319
-1.032
-0.730
-2.435
-2.179
-1.907
-1.427
-1.209
-0.922
-0.620
Caps:
1/1/5
Caps:
1/1/5
Caps:
1/1/5
Margin:
Index:
2.00
1 yr Trea.
Margin:
Index:
2.00
1 yr Trea.
Margin:
Index:
2.00
1 yr Trea.
0.170
0.170
WS - FHA 30 Fxd Select
30 Year Fxd FHA - Select
Note Rate 15-Day
4.250
4.125
4.000
3.875
3.750
3.625
3.500
3.375
3.250
-6.522
-6.265
-6.193
-5.351
-4.835
-4.533
-4.055
-3.514
-2.946
30-Day
-6.410
-6.153
-6.081
-5.239
-4.723
-4.421
-3.943
-3.402
-2.834
Requirements
Min Loan amt: $ 175,000
Min FICO: 720
0.170
See Page 13 for feature adjustments
USDA
18
Feature adjustments
WS - 30 Yr Fixed Rural Housing
30 Year Fixed
Note Rate
15-Day
30-Day
4.250
4.125
4.000
3.875
3.750
3.625
3.500
3.375
3.250
-4.500
-4.500
-4.500
-4.449
-4.026
-3.588
-3.098
-2.586
-2.084
-4.500
-4.500
-4.500
-4.329
-3.906
-3.468
-2.978
-2.466
-1.964
Middle Credit Score
640 - 679
680 - 719
>=720
Investment Property
Loan Size
Loan Amount 125,001 - 150,000
Loan Amount 75,001 - 125,000
Loan Amount 50,000 - 75,000
Minimum Loan Amount = 50,000
Regional Adjustments
OH, TX
FL
AZ, CT, GA, MS, NE, PA, WA, WV
AR, IL, IN, NH, NJ, OR, SC, VT
CO, DC, DE, KS, NC, NY, TN, WI
MD, MA, ME, VA
RI
CA, MI
Lock Period
45 Day (Adjustment from 30 day price)
60 Day (Adjustment from 30 day price)
0.500
0.000
-0.250
N/a
0.125
0.250
0.500
-0.250
-0.150
-0.050
0.000
0.050
0.100
0.150
0.250
0.180
0.375
Effective Date:
Borrower/ Consumer Paid Rate Sheet
2/5/2015
Effective Time:
11:27 AM
VA (Coming Soon)
9
8
9
WS - VA 30 Fxd HB
WS - VA 30 Fxd
30 Year Fixed VA
30 Year High Balance
Page 8
8
WS - VA 15 Fxd
WS - VA 15 Fxd HB
15 Year VA
15 Year VA High Bal.
Note Rate
15-Day
30-Day
Note Rate
15-Day
30-Day
Note Rate
15-Day
30-Day
Note Rate
15-Day
30-Day
4.250
4.125
4.000
3.875
3.750
3.625
3.500
3.375
3.250
-5.000
-5.000
-5.000
-4.694
-4.427
-3.891
-3.398
-2.857
-2.289
-5.000
-5.000
-5.000
-4.584
-4.317
-3.781
-3.288
-2.747
-2.179
4.250
4.125
4.000
3.875
3.750
3.625
3.500
3.375
3.250
-4.160
-3.759
-3.695
-2.879
-2.920
-2.384
-1.817
-1.207
-0.534
-4.050
-3.649
-3.585
-2.769
-2.810
-2.274
-1.707
-1.097
-0.424
3.750
3.625
3.500
3.375
3.250
3.125
3.000
2.875
2.750
-4.500
-4.500
-4.500
-4.500
-4.308
-3.923
-3.475
-3.015
-2.543
-4.500
-4.500
-4.500
-4.500
-4.193
-3.808
-3.360
-2.900
-2.428
4.000
3.875
3.750
3.625
3.500
3.375
3.250
3.125
3.000
-4.030
-3.662
-4.207
-3.839
-3.458
-3.298
-2.880
-2.439
-1.993
-3.915
-3.547
-4.092
-3.724
-3.343
-3.183
-2.765
-2.324
-1.878
9
8
WS - VA 30 Fxd IRRRL
30 Yr IRRRL
9
WS - VA 30 Fxd IRRRL HB
8
WS - 15 Fxd IRRRL
30 Yr HB IRRRL
WS - VA 15 Fxd IRRRL HB
15 Yr IRRRL
15 Yr HB IRRRL
Note Rate
15-Day
30-Day
Note Rate
15-Day
30-Day
Note Rate
15-Day
30-Day
Note Rate
15-Day
30-Day
4.250
4.125
4.000
3.875
3.750
3.625
3.500
3.375
3.250
-5.000
-5.000
-5.000
-4.706
-4.216
-3.888
-3.410
-2.885
-2.339
-5.000
-5.000
-5.000
-4.584
-4.094
-3.766
-3.288
-2.763
-2.217
4.500
4.375
4.250
4.125
4.000
3.875
3.750
3.625
3.500
-4.500
-4.303
-4.047
-3.646
-3.582
-2.766
-2.682
-2.146
-1.579
-4.500
-4.181
-3.925
-3.524
-3.460
-2.644
-2.560
-2.024
-1.457
3.750
3.625
3.500
3.375
3.250
3.125
3.000
2.875
2.750
-4.500
-4.500
-4.500
-4.500
-4.183
-3.798
-3.350
-2.890
-2.418
-4.500
-4.500
-4.500
-4.499
-4.068
-3.683
-3.235
-2.775
-2.303
4.000
3.875
3.750
3.625
3.500
3.375
3.250
3.125
3.000
-3.905
-3.537
-4.082
-3.714
-3.333
-2.970
-2.563
-1.948
-1.541
-3.790
-3.422
-3.967
-3.599
-3.218
-2.855
-2.448
-1.833
-1.426
Effective Date:
Borrower/ Consumer Paid Rate Sheet
2/5/2015
Effective Time:
11:27 AM
Agency Coops
Page 9
16
WS - C30 Fxd CP
16
WS - C20 Fxd CP
30 Year Fixed
20 Year Fixed
16
16
WS - C15 Fxd CP
WS - C10 Fxd CP
15 Year Fixed
10 Year Fixed
Note Rate
15-Day
30-Day
Note Rate
15-Day
30-Day
Note Rate
15-Day
30-Day
Note Rate
15-Day
30-Day
4.375
4.250
4.125
4.000
3.875
3.750
3.625
3.500
-4.500
-4.193
-3.503
-2.733
-2.223
-1.651
-0.858
0.101
-4.500
-4.073
-3.383
-2.613
-2.103
-1.531
-0.738
0.221
4.375
4.250
4.125
4.000
3.875
3.750
3.625
3.500
-4.500
-4.200
-3.598
-3.171
-2.753
-2.262
-1.561
-0.707
-4.500
-4.080
-3.478
-3.051
-2.633
-2.142
-1.441
-0.587
3.750
3.625
3.500
3.375
3.250
3.125
3.000
2.875
-4.124
-3.787
-3.302
-2.742
-2.334
-1.948
-1.406
-0.752
-4.014
-3.677
-3.192
-2.632
-2.224
-1.838
-1.296
-0.642
3.750
3.625
3.500
3.375
3.250
3.125
3.000
2.875
-3.881
-3.612
-3.212
-2.738
-2.291
-1.984
-1.538
-0.977
-3.771
-3.502
-3.102
-2.628
-2.181
-1.874
-1.428
-0.867
17
17
WS - HB30 Fxd CP
WS - HB15 Fxd CP
30 Year Fixed High Balance
15 Year Fixed High Balance
Note Rate
15-Day
30-Day
Note Rate
15-Day
30-Day
4.625
4.500
4.375
4.250
4.125
4.000
3.875
3.750
-4.155
-3.894
-3.440
-2.930
-2.240
-1.470
-0.594
0.377
-4.035
-3.774
-3.320
-2.810
-2.120
-1.350
-0.474
0.497
4.375
4.250
4.125
4.000
3.875
3.750
3.625
3.500
-4.500
-4.339
-4.046
-3.724
-3.505
-3.245
-2.908
-2.424
-4.459
-4.229
-3.936
-3.614
-3.395
-3.135
-2.798
-2.314
16
WS - C5/1 Libor Arm CP
5/1 Arm
16
WS - C7/1 Libor Arm CP
16
WS - C10/1 Libor Arm CP
7/1 Arm
10/1 Arm
Arm Information
Note Rate
15-Day
30-Day
Note Rate
15-Day
30-Day
Note Rate
15-Day
30-Day
Caps:
3.750
3.625
3.500
3.375
3.250
3.125
-1.900
-1.693
-1.415
-1.136
-0.855
-0.554
-1.790
-1.583
-1.305
-1.026
-0.745
-0.444
3.750
3.625
3.500
3.375
3.250
3.125
-1.900
-1.768
-1.394
-1.020
-0.645
-0.238
-1.790
-1.658
-1.284
-0.910
-0.535
-0.128
4.125
4.000
3.875
3.750
3.625
3.500
-1.793
-1.793
-1.572
-1.357
-1.051
-0.577
-1.683
-1.683
-1.462
-1.247
-0.941
-0.467
Caps:
7/1 & 10/1 : 5/2/5
Margin:
2.50
Index:
Ind. Val:
1 yr Libor
0.6200
5/1 Arm: 2/2/5
Pricing subject to prior approval.
Exceptions may be considered but pricing
will be impacted.
740+
720-739
700-719
680-699
660-679
640-659
620-639
<=60
-0.250
-0.250
-0.250
0.000
0.000
n/a
n/a
740+
720-739
700-719
680-699
660-679
640-659
620-639
<=60
0.000
0.000
0.000
0.000
0.250
n/a
n/a
FICO/ LTV Grid. Applicable for Terms > 15 Years
60.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01 - 97
0.000
0.000
0.250
0.250
0.250
n/a
n/a
0.000
0.250
0.500
0.500
0.500
n/a
n/a
0.500
0.750
1.000
1.000
1.000
n/a
n/a
0.500
1.250
1.750
1.500
1.250
n/a
n/a
1.000
-2.000
-2.500
-2.750
-2.250
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
FICO/LTV Grid. Applicable for all Cash-out Refi's
60.01-70 70.01-75 75.01-80 80.01-85
0.250
0.250
0.500
n/a
0.625
0.625
0.750
n/a
0.625
0.625
0.750
n/a
0.750
0.750
1.375
n/a
0.750
0.750
1.500
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
Feature Adjustments
Coop > 75% (Term > 15 Yrs)
No Investment properties
High Balance
Cash-out Refinance
Loan Size
Loan Amount 100,000 - 125,000
Loan Amount 125,001 - 150,000
Loan Amount 200,001 - 275,000
Loan Amount 275,001 - 350,000
Loan Amount 350,001 - 417,000
Minimum Loan Amount = 100,000
Regional Adjustments
NJ, NY
Lock Period
45 Day (Adjustment from 30 day price)
60 Day (Adjustment from 30 day price)
0.000
1.000
0.250
0.125
-0.125
-0.250
-0.375
0.000
0.160
0.375
Effective Date:
Borrower/ Consumer Paid Rate Sheet
2/5/2015
Effective Time:
11:27 AM
Jumbo Premier
Page 10
34
34
WS - J30 Fxd Premier
WS - J15 Fxd Premier
30 Year Jumbo
Rate
15 Day
4.750
4.625
4.500
4.375
4.250
4.125
4.000
3.875
3.750
3.625
-2.490
-2.490
-2.240
-1.990
-1.678
-1.334
-0.897
-0.209
0.478
1.228
30 Day
-2.324
-2.324
-2.074
-1.824
-1.511
-1.167
-0.730
-0.042
0.645
1.395
15 Year Jumbo
45 Day
-2.157
-2.157
-1.907
-1.657
-1.345
-1.001
-0.563
0.124
0.812
1.562
60 Day
Rate
-1.979
-1.979
-1.729
-1.479
-1.167
-0.823
-0.386
0.302
0.989
1.739
4.375
4.250
4.125
4.000
3.875
3.750
3.625
3.500
3.375
3.250
34
Rate
-3.006
-2.943
-2.881
-2.787
-2.537
-2.240
-1.928
-1.584
-1.209
-0.803
30 Day
-2.850
-2.787
-2.725
-2.631
-2.381
-2.084
-1.772
-1.428
-1.053
-0.647
Arm Margin and Cap Structure
45 Day
60 Day
-2.693
-2.631
-2.568
-2.475
-2.225
-1.928
-1.615
-1.272
-0.897
-0.490
-2.527
-2.464
-2.402
-2.308
-2.058
-1.761
-1.449
-1.105
-0.730
-0.324
Product
Index
Caps
Look Back
5/1 Arm
1 yr Libor
2.25
2/2/5
45 Days
7/1 Arm
1 yr Libor
2.25
5/2/5
45 Days
10/1 Arm
1 yr Libor
2.25
5/2/5
45 Days
34
34
WS - J71L Arm Premier
WS - J101L Arm Premier
5/1 Arm Year Jumbo
7/1 Arm Year Jumbo
10/1 Arm Year Jumbo
-2.898
-2.773
-2.586
-2.367
-2.117
-1.805
-1.430
-1.023
-0.586
-0.117
30 Day
-2.753
-2.628
-2.440
-2.221
-1.971
-1.659
-1.284
-0.878
-0.440
0.029
45 Day
-2.607
-2.482
-2.294
-2.075
-1.825
-1.513
-1.138
-0.732
-0.294
0.175
60 Day
Rate
-2.451
-2.326
-2.139
-1.920
-1.670
-1.357
-0.982
-0.576
-0.139
0.330
15 Day
4.375
4.250
4.125
4.000
3.875
3.750
3.625
3.500
3.375
3.250
-3.568
-3.381
-3.162
-2.912
-2.599
-2.224
-1.787
-1.318
-0.818
-0.287
30 Day
-3.412
-3.224
-3.006
-2.756
-2.443
-2.068
-1.631
-1.162
-0.662
-0.131
45 Day
60 Day
-3.256
-3.068
-2.849
-2.599
-2.287
-1.912
-1.474
-1.006
-0.506
0.026
Rate
-3.089
-2.901
-2.683
-2.433
-2.120
-1.745
-1.308
-0.839
-0.339
0.192
15 Day
4.625
4.500
4.375
4.250
4.125
4.000
3.875
3.750
3.625
3.500
LTV/FICO Level Price Adjustments
<=1.0MM
Margin
WS - J51L Arm Premier
15 Day
4.125
4.000
3.875
3.750
3.625
3.500
3.375
3.250
3.125
3.000
15 Day
30 Day
-3.511
-3.292
-3.042
-2.729
-2.354
-1.917
-1.417
-0.886
-0.323
0.271
45 Day
60 Day
-3.344
-3.125
-2.875
-2.563
-2.188
-1.750
-1.250
-0.719
-0.156
0.437
-3.177
-2.958
-2.708
-2.396
-2.021
-1.583
-1.083
-0.552
0.010
0.604
-2.999
-2.781
-2.531
-2.218
-1.843
-1.406
-0.906
-0.374
0.188
0.782
80.01-85
Other Adjustments
State
<=60
60.01-65
65.01-70
70.01-75
75.01-80
80.01-85
800+
-0.750
-0.750
-0.500
0.000
0.250
N/A
760-799
-0.625
-0.625
-0.375
0.000
0.250
N/A
740-759
-0.500
-0.500
-0.125
0.000
0.250
N/A
AZ
0.000
0.000
0.000
0.250
0.250
N/A
720-739
700-719
-0.500
-0.250
-0.375
-0.125
0.000
0.000
0.375
0.625
0.750
1.500
N/A
N/A
CA
TX
0.000
0.000
0.000
0.000
0.000
0.000
0.000
0.000
0.000
0.000
N/A
N/A
680-699
0.000
N/A
N/A
N/A
N/A
N/A
Non-CA
-0.250
-0.250
-0.250
-0.250
-0.250
N/A
<=60
60.01-65
65.01-70
70.01-75
75.01-80
80.01-85
<=60
60.01-65
65.01-70
70.01-75
75.01-80
80.01-85
<=1.5MM
<=60
60.01-65
65.01-70
70.01-75
75.01-80
FL
0.000
0.000
0.000
0.250
0.250
N/A
NV
0.000
0.000
0.000
0.250
0.250
N/A
Property Type
800+
-0.750
-0.625
-0.375
0.000
0.375
N/A
2 Units
0.250
0.250
0.250
0.500
0.875
NA
760-799
740-759
-0.625
-0.500
-0.625
-0.500
-0.250
-0.125
0.000
0.000
0.375
0.500
N/A
N/A
Condo/Coop
0.250
0.250
0.250
0.375
0.500
NA
80.01-85
720-739
-0.500
-0.375
0.000
0.500
1.000
N/A
1 Unit
700-719
-0.250
-0.125
0.000
0.875
1.875
N/A
680-699
0.000
N/A
N/A
N/A
N/A
N/A
<=60
60.01-65
65.01-70
70.01-75
75.01-80
80.01-85
<=2.0MM
2nd Home (720+)
Purpose
Purchase
Cashout
Miscellaneous
800+
-0.750
-0.625
-0.250
0.375
0.500
N/A
760-799
740-759
-0.625
-0.500
-0.625
-0.500
-0.125
-0.125
0.375
0.625
0.625
0.750
N/A
N/A
Escrow Waiver
DTI <=43
720-739
-0.450
-0.375
0.000
1.125
1.250
N/A
700-719
680-699
-0.250
N/A
-0.125
N/A
0.125
N/A
1.250
N/A
2.000
N/A
N/A
N/A
<=2.5MM
<=60
60.01-65
65.01-70
70.01-75
75.01-80
0.125
0.250
0.500
0.750
2.000
NA
<=60
60.01-65
65.01-70
70.01-75
75.01-80
80.01-85
-0.375
0.125
-0.375
0.250
-0.375
0.375
-0.375
N/A
-0.250
N/A
N/A
N/A
<=60
60.01-65
65.01-70
70.01-75
75.01-80
80.01-85
0.125
0.000
0.125
0.000
0.125
0.000
0.250
0.000
0.250
0.000
0.250
0.000
DTI > 43
N/A
N/A
N/A
N/A
N/A
N/A
IO
Investor
N/A
3.000
N/A
3.000
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Ineligible States
<=60
60.01-65
65.01-70
70.01-75
75.01-80
80.01-85
800+
760-799
-0.625
-0.500
-0.375
-0.375
0.000
0.000
N/A
N/A
N/A
N/A
N/A
N/A
WV
740-759
-0.375
-0.250
0.125
N/A
N/A
N/A
45,000 - 75,000
0.125
720-739
700-719
680-699
-0.250
-0.125
N/A
-0.125
0.000
N/A
0.500
0.875
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
75,001 - 150,000
150,001 +
0.250
Balance Increase
Not Allowed
Max Rebate (inclusive of risk adjusters)
<=60
60.01-65
65.01-70
70.01-75
75.01-80
80.01-85
Fixed
101.625
800+
0.000
N/A
N/A
N/A
N/A
N/A
Arms
101.125
760-799
0.000
N/A
N/A
N/A
N/A
N/A
740-759
0.000
N/A
N/A
N/A
N/A
N/A
720-739
0.000
N/A
N/A
N/A
N/A
N/A
700-719
680-699
0.000
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
<=3mm
Effective Date:
Borrower/ Consumer Paid Rate Sheet
2/5/2015
Effective Time:
11:27 AM
Expanded Jumbo
Page 11
26
26
WS - 30J Fxd Inv
WS - 30J Fxd HR
WS - 30J Fxd SP
WS - 15J Fxd Inv
WS - 15J Fxd HR
WS - 15J Fxd SP
30 Yr Jumbo
15 Yr Jumbo
Note Rate
7-Day
15-Day
30-Day
45-Day
60-Day
Note Rate
7-Day
15-Day
30-Day
45-Day
60-Day
5.000
4.875
4.750
4.625
4.500
4.375
4.250
4.125
4.000
3.875
3.750
3.625
-2.957
-2.801
-2.645
-2.489
-2.239
-1.981
-1.700
-1.419
-0.981
-0.387
0.238
0.894
-2.897
-2.741
-2.585
-2.429
-2.179
-1.929
-1.648
-1.367
-0.929
-0.335
0.290
0.946
-2.717
-2.561
-2.405
-2.249
-1.999
-1.757
-1.476
-1.195
-0.757
-0.163
0.462
1.118
-2.538
-2.382
-2.226
-2.070
-1.820
-1.585
-1.304
-1.023
-0.585
0.009
0.634
1.290
-2.358
-2.202
-2.046
-1.890
-1.640
-1.413
-1.132
-0.851
-0.413
0.181
0.806
1.462
4.625
4.500
4.375
4.250
4.125
4.000
3.875
3.750
3.625
3.500
3.375
3.250
-2.835
-2.772
-2.709
-2.584
-2.459
-2.271
-1.990
-1.677
-1.302
-0.865
-0.381
0.119
-2.790
-2.727
-2.664
-2.539
-2.414
-2.226
-1.945
-1.632
-1.257
-0.820
-0.320
0.180
-2.665
-2.602
-2.539
-2.414
-2.289
-2.101
-1.820
-1.507
-1.132
-0.695
-0.179
0.321
-2.540
-2.477
-2.414
-2.289
-2.164
-1.976
-1.695
-1.382
-1.007
-0.570
-0.039
0.461
-2.415
-2.352
-2.289
-2.164
-2.039
-1.851
-1.570
-1.257
-0.882
-0.445
0.102
0.602
<= 60
60.01 - 65
LTV/CLTV
65.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
FICO
>= 780
(0.600)
(0.500)
(0.450)
-
0.250
1.375
760-779
(0.600)
(0.500)
(0.300)
0.150
0.375
1.875
740-759
(0.600)
(0.500)
(0.100)
0.300
0.500
2.000
720-739
(0.500)
(0.450)
-
0.450
0.850
n/a
700-719
(0.400)
(0.300)
0.200
0.750
1.250
n/a
680-699
660-679
2.000
1.000
2.500
1.500
4.000
1.500
n/a
2.000
n/a
n/a
n/a
-
-
-
Loan Balance
<= $500k
-
-
$500k+ to $1.0mm
-
-
-
-
-
-
$1mm+ to $1.5mm
-
-
0.125
0.250
0.375
0.375
$1.5mm+ to $2.0mm
-
-
-
0.250
0.375
0.500
0.500
$2mm+ to $2.5mm
0.125
0.250
0.375
n/a
n/a
n/a
$2.5mm+ to $3.0mm
0.125
0.250
n/a
n/a
n/a
n/a
$3.0mm+ to $3.5mm
0.375
n/a
n/a
n/a
n/a
n/a
$3.5mm+ to $4.0mm
0.500
n/a
n/a
n/a
n/a
n/a
$4.0mm+ to $4.5mm
$4.5mm+ to $5.0mm
0.625
0.750
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
0.300
4.000
0.450
n/a
1.000
n/a
n/a
n/a
Note: LLPAs/portions of the matrix indicate eligibility exclusively for the High
Reserve Loan Program.
Note: LLPAs/portions of the matrix without color backgrounds should be
available under the Super Prime Program.
Note: LLPAs/portions of the matrix indicate eligibility exclusively for the
Investment Property Loan Program.
Occupancy
2nd Home
Investor
0.150
3.000
0.200
3.000
Property Types
2-4 Units
Condo
Coop
0.150
0.200
0.300
0.450
0.550
0.550
-
-
0.125
0.125
0.125
0.125
0.125
0.125
0.125
0.125
Guideline Exceptions
Guideline exceptions will be considered. Please run
scenarios by you’re A/E for a quote
Geographic
AZ
-
-
-
0.250
0.250
0.250
FL
-
-
-
0.250
0.250
0.250
MI
-
-
-
0.375
0.375
0.375
Other
No Re-lock Option for this program. If need be, only ability
Cashout
0.250
0.300
0.500
1.500
n/a
n/a
DTI > 40
-
-
-
0.125
0.125
n/a
No Escrows
0.100
0.100
0.100
0.100
0.100
Purchase
(0.250)
(0.250)
(0.250)
(0.375)
(0.375)
n/a
Non-CA
15-Year
(0.375)
-
(0.375)
-
(0.375)
-
(0.375)
-
(0.375)
0.250
n/a
0.500
to obtain added time is via extension
0.100
Max Rebate (inclusive of risk adjusters)
30 year
15 year
15 year: Max Loan Amount $2,000,000
Minimum Loan Amounts
102.500
101.625
SP Program: 417,001
HR Program: 625,000
Inv Program: 417,001
Effective Date:
2/5/2015
Borrower/ Consumer Paid Rate Sheet
Effective Time:
11:27 AM
Specialty Programs
Page 12
New Product To Be Announced
Effective Date:
2/5/2015
Borrower/ Consumer Paid Rate Sheet
Effective Time:
11:27 AM
Specialty Programs
Page 13
New Product To Be Announced
Effective Date:
Borrower/ Consumer Paid Rate Sheet
2/5/2015
Effective Time:
11:27 AM
Specialty Programs
Page 14
Reduced Doc
32
32
WS - 5/1 Libor Arm RD
WS - 7/1 Libor Arm RD
5/1 Arm
7/1 Arm
Rate
30 Day
Rate
30 Day
5.000
4.875
4.750
4.625
4.500
4.375
4.250
-1.000
-0.750
-0.500
-0.250
0.000
0.500
1.000
5.500
5.375
5.250
5.125
5.000
4.875
4.750
-1.000
-0.750
-0.500
-0.250
0.000
0.500
1.000
Caps:
Margin:
Index:
5/2/5
2.50
1 yr Libor
Caps:
Margin:
Index:
Risk Adjustments
Cash Out
Escrow Waiver
Loan amount >$1,000,000 to $1,125,000
Loan amount >$1,125,000 to $1,250,000
Loan amount >$1,250,000 to $1,375,000
Loan amount >$1,375,000 - $2,000,000
5/2/5
2.50
1 yr Libor
Price
0.500
N/a
0.125
0.250
0.375
0.500
Ineligible States: FL, NJ, NY
Minimum Loan Amount: 417,001
Prior approval required
Max Rebate (Inclusive of risk adjusters)
101
Key Features
Loan Purpose
Purchase &
Rate & Term
Cash-out
Loan Purpose
Purchase &
Rate & Term
Units
1 Unit/PUD
Units
1 Unit/PUD
Primary Residence
LTV
CLTV
Loan Amount
Max Cash Back
70
70
1,000,000
60
60
2,000,000
N/A
70
70
1,000,000
400,000
LTV
70
Second Home
CLTV
Loan Amount
70
1,000,000
Max Cash Back
N/A
FICO
700
700
700
FICO
700
Program Notes:
No 4506T Required
Self-Employed Only
Qualifying Ratios/ Qualifying Rates:
Ratios: 33/43
Greater of Note Rate or Fully Indexed Rate
Effective Date:
Borrower/ Consumer Paid Rate Sheet
2/5/2015
Effective Time:
11:27 AM
Agency Risk Adjusters
Page 15
740+
720-739
700-719
680-699
660-679
640-659
620-639
740+
720-739
700-719
680-699
660-679
640-659
620-639
<=60
-0.250
-0.250
-0.250
0.000
0.000
0.500
0.500
<=60
0.000
0.000
0.000
0.000
0.250
0.250
0.250
FICO/ LTV Grid. Applicable for Terms > 15 Years (Excluding MCM)
60.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01 - 97
0.000
0.000
0.250
0.250
0.250
0.250
0.250
0.000
0.250
0.500
0.500
0.500
0.500
0.500
0.500
0.750
1.000
1.000
1.000
1.000
1.000
0.500
1.250
1.750
1.500
1.250
1.250
1.000
1.000
2.125
2.625
2.750
2.250
2.250
1.750
1.250
2.625
3.000
3.250
2.750
2.750
2.250
1.500
3.000
3.000
3.250
3.250
3.250
3.000
FICO/LTV Grid. Applicable for all Cash-out Refi's(Excluding MCM)
60.01-70 70.01-75 75.01-80 80.01-85
0.250
0.250
0.500
n/a
0.625
0.625
0.750
n/a
0.625
0.625
0.750
n/a
0.750
0.750
1.375
n/a
0.750
0.750
1.500
n/a
1.250
1.250
3.250
n/a
1.250
1.250
3.250
n/a
Applicable for Fannie/Freddie No Overlay Only
97 LTV Available for Fannie 30 Year Fixed only
Feature adjustments (Excluding MCM Unless noted)
Non-Escrow Loan (n/a - NY)
2 Units
3-4 Units
Investment Property <=75%
Investment Property 75.01 - 80%
Investment Property 80.01 - 85%
0.250
1.000
1.000
2.000
3.250
3.750
Condo > 75% (Term > 15 Yrs)
0.750
Loan Size
Loan Amount 125,001 - 150,000
Loan Amount 75,001 - 125,000
Loan Amount 50,000 - 75,000
Minimum Loan Amount = 50,000
Agency High Balance Fixed & Arms
Cash-out Refinance
0.125
0.250
0.500
1.000
Fannie / Freddie Direct
Investment Property <=75%
My Community (MCM)
MCM with Subordinate Financing
1.750
0.750
0.500
0.500
High LTV (95.01 - 97)
LTV Range
<=65
65.01-75
75.01 - 90
75.01 - 95
<=95
Subordinate Financing
FICO < 720
CLTV Range
0.500
80.01 - 95
0.750
80.01 - 95
76.01 - 95
1.000
1.000
90.01 - 95
1.500
95.01 - 97
Regional Adjustments
TX
FL
CA
AR, CT, GA, MS, NE, PA
MI, NH, NJ, OH, OR, SC, VA, WA, WV
DE, IL, IN, KS, NC, TN, VT, WI
AZ, CO, DC, MD, MA, ME, NY
RI
FICO >=720
0.250
0.500
0.750
0.750
1.500
-0.250
-0.150
-0.100
-0.050
0.000
0.050
0.100
0.150
Conforming & High Balance Arms
LTV >= 90.01 - 95%
0.250
Lock Period
45 Day (Adjustment from 30 day price)
60 Day (Adjustment from 30 day price)
0.160
0.375
No Texas Cash-out Refis on Primary Residences
Government Risk Adjustments
LPMI Upfront Single Premium Risk Adjustments
Middle Credit Score
620 - 639 Fixed only
640 - 679
680 - 719
> = 720 (n/a for FHA Select)
LTV
1.750
0.750
0.000
-0.250
0.125
0.250
0.500
-0.250
-0.150
-0.050
0.000
0.050
0.100
0.150
0.250
0.160
0.500
Coverage
740-759
720-739
680-719
30%
1.950
2.150
2.230
3.290
85.01 - 90
25%
1.370
1.370
1.600
2.170
80.01 - 85
12%
0.950
0.990
1.120
1.330
Feature adjustments (Subject to MI Approval)
Loan Size
Loan Amount 125,001 - 150,000
Loan Amount 75,001 - 125,000
Loan Amount 50,000 - 75,000
Minimum Loan Amount = 50,000
Regional Adjustments
TX
FL
AZ, CT, GA, MS, NE, PA, WA, WV
AR, CA, IL, IN, NH, NJ, NY, OH, OR, SC, VT
CO, DC, DE, KS, NC, TN, WI
MD, MA, ME, VA
RI
MI
Lock Period
45 Day (Adjustment from 30 day price)
60 Day (Adjustment from 30 day price)
>=760
90.01 - 95
>=760
740-759
720-739
680-719
Ln Amt $ 417,001 - $ 625,500
0.400
0.400
0.880
1.400
C/O Refinance
0.500
0.500
0.700
1.000
R/T Refinance
0.000
0.000
0.000
0.530
2nd Home
Term 20 Yrs & Under
0.250
-0.180
0.250
-0.180
0.490
-0.180
0.700
-0.280
Investment Property
1.190
1.190
1.330
n/a
FHA Stream-Line Specific - Feature Adjustments
Middle Credit Score
640 - 679
680 - 719
>=720
Other (applicable for all Government loans)
Total Mortgage Manual Underwrite:
0.500
0.000
-0.250
1.000
Effective Date:
Borrower/ Consumer Paid Rate Sheet
2/5/2015
Effective Time:
11:27 AM
DU Refi Plus
All DU Refi Plus Mortgages
Page 16
Credit Score/ LTV - Applicable for terms > 15 years
Product Type
LTV%
<=60%
-0.250
-0.250
-0.250
0.000
0.000
n/a
n/a
FICO >=740
FICO 720-739
FICO 700 - 719
FICO 680 - 699
FICO 660 - 679
FICO 640 - 659
FICO 620 - 639
60.01 - 70%
0.000
0.000
0.500
0.500
1.000
n/a
n/a
70.01-75% 75.01-80% 80.01-85%
0.000
0.000
0.000
0.000
0.000
0.000
0.500
0.500
0.500
0.750
0.750
0.750
1.500
1.750
1.750
n/a
n/a
n/a
n/a
n/a
n/a
85.01-90% 90.01-95% 95.01-97%
0.000
0.000
0.000
0.000
0.000
0.000
0.500
0.500
0.500
0.750
0.750
0.500
1.750
1.750
1.250
n/a
n/a
n/a
n/a
n/a
n/a
97.01-105%
0.000
0.000
0.500
0.500
1.250
n/a
n/a
>105%
0.000
0.000
0.500
0.500
1.250
n/a
n/a
70.01-75% 75.01-80% 80.01-85%
0.000
0.750
0.750
1.750
3.000
3.750
1.000
1.000
1.000
1.000
1.000
1.000
0.000
0.000
0.000
0.000
0.000
0.000
n/a
n/a
n/a
85.01-90% 90.01-95% 95.01-97%
0.750
0.750
0.750
3.750
3.750
3.750
1.000
1.000
1.000
1.000
1.000
1.000
0.000
0.000
0.500
0.000
0.000
0.500
n/a
n/a
n/a
97.01-105%
0.750
3.750
1.000
1.000
1.000
1.000
n/a
>105%
0.750
n/a
1.000
1.000
1.000
0.500
0.250
All DU Refi Plus Mortgages - Feature Adjustments
Adjustment
Attached Condo W/Term > 15 YR
Investment property
2 unit property
3-4 unit property
High LTV - 30 Yr
High LTV - !5 & 20 Yr
With MI
LTV Range
65.01 - 75
75.01 - 95
75.01 - 90
ANY
<=60%
0.000
1.750
1.000
1.000
0.000
0.000
n/a
60.01 - 70%
0.000
1.750
1.000
1.000
0.000
0.000
n/a
DU Refi Plus Adjuster Caps:
DU Refi Plus Mortgages with Secondary Financing
FICO >=720
CLTV Range
FICO < 720
90.01 - 95
0.500
0.250
0.250
90.01 - 95
0.500
76.01 - 90
0.250
0.000
> 95.01
1.500
1.500
Feature Adjustments
Pri w/ Tm > 20 & LTV >80%
Pri w/ Tm > 20 & LTV <=80%
Pri w/ Tm <= 20 & LTV >80%
Pri w/ Tm <= 20 & LTV <=80%
Inv & 2nd H, all LTVs & Tm
Freddie Relief Open Access
All Open Access Mortgages
Credit Score/ LTV - Applicable for terms > 15 years
Product Type
LTV%
FICO >=740
FICO 720-739
FICO 700 - 719
FICO 680 - 699
FICO 660 - 679
FICO 640 - 659
FICO 620 - 639
-0.250
-0.250
-0.250
0.000
n/a
60.0170.00
0.000
0.000
0.500
0.500
n/a
70.0175.00
0.000
0.250
0.750
1.250
n/a
75.0180.00
0.250
0.500
1.000
1.750
n/a
80.0185.00
0.000
0.000
0.500
1.000
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
<=60.00
> 85
0.000
0.000
0.500
0.750
n/a
n/a
n/a
All Open Access Mortgages - Feature Adjustments
Condominiums (Applicable for terms > 15 years)
California Condo's (Applicable for terms > 15 years)
Investment Property
2 Unit Property
3-4 Unit Property
High LTV (All Eligible Product)
Borrower with MI
<=60.00
0.000
1.000
n/a
1.000
1.000
0.000
0.000
Mortgages with Subordinate Financing
LTV Ratios
TLTV Ratios
< = 65
80.01 - 95
65.01 - 75.00
80.01 - 95.00
75.01 - 80.00
76.01 - 90.00
75.01 - 80.00
90.01 - 95.00
80.01 - 90.00
81.01 - 95.00
90.01 - 95.00
90.01 - 95.00
Any
> 95.00
Credit Score < 720
0.500
0.750
1.000
1.000
1.000
0.500
1.500
Adjustment
Open Access Adjuster Caps:
Feature Adjustment
Fixed Rate
<=20 years
Fixed Rate
> 20 years
Investment Property
<80%
2.000
2.000
n/a
> 80%
0.000
0.750
n/a
60.01-70.0 70.01-75.0 75.01-80.0080.01- 85 85.01-90.0 90.01-95.00 95.01-97.0 97.01-105.> 105.00
0.000
0.000
0.750
0.750
0.750
0.750
0.750
0.750
0.750
1.000
1.000
1.000
1.000
1.000
1.000
1.000
1.000
1.000
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
1.000
1.000
1.000
1.000
1.000
1.000
1.000
1.000
1.000
1.000
1.000
1.000
1.500
2.000
2.000
2.000
2.000
2.000
0.000
0.000
0.000
0.000
0.000
0.000
0.500
1.000
2.000
0.000
0.000
0.000
0.250
0.250
0.250
0.250
0.250
0.250
Credit Score >= 720
0.250
0.500
0.750
0.750
0.500
0.250
1.500
0.750
2.000
0.000
2.000
2.000