(adjustable rate mortgage)

www.ec-tpo.com

Copyright 2021 | Excelerate Capital is a registered DBA of Castle Mortgage Corporation; NMLS #61382; Equal Housing Lender. Debt Service Cover Ratio (DSCR) is a business purpose loan and not a consumer loan. These loan products may have a higher interest rate, more points, or more fees than other loan products requiring full documentation. Programs and rates are subject to change without notice. Not all applicants will qualify. Turn time estimates are not warranted or guaranteed. 4000 MacArthur Blvd, Suite 300, Newport Beach, CA 92660. Licensed in the following states: AL License No. 20952, AR; AZ: 18444 N. 25th Ave., Suite 420-527, Phoenix, AZ 85023, Mortgage Banker License #BK-0923664; CA: Licensed by Dept. of Financial Protection and Innovation, under the CA Residential Mortgage Lending Act, License No. 4131263; CO: Regulated by the Division of Real Estate; GA: Residential Mortgage Licensee #6209; IL: Residential Mortgage Licensee #MB.6760958 – Dept. of Financial and Professional Regulation; KS: Licensed Mortgage Company MC.0025530; ME: Supervised Lender License; MN: Residential Mortgage Originator License #MN-MO-61382; MN: Not an offer for a rate lock agreement, MS: Licensed by the MS Dept. of Banking and Consumer Finance; NH: Licensed by the NH Banking Dept. #21629-MB; NV: License #5022; NJ: New Jersey – Castle Mortgage Corporation dba Excelerate Capital, 4000 MacArthur Blvd, Suite 300, Newport Beach, CA 92660, (844) 432-3685, Licensed by the NJ Department of Banking and Insurance; OH: RM.804507.000; OR: License #ML-5196; PA: Licensed by the Dept. of Banking – License #43554; RI: Licensed Lender; TX: SML Mortgage Banker Registration TX: 4000 MacArthur Blvd, Suite 300, Newport Beach, CA 92660, (844) 432-3685; WA: Consumer Loan Company License CL-61382. Conditions may apply. Not licensed in the state of New York and not intended for distribution to NY residents. For more licensing information, visit the Nationwide Multistate Licensing System’s Consumer Access website www.nmlsconsumeraccess.org. Revised 09.23.21

1.855.455.7026Questions? Ask Us!Full Name

For lending professionals only not intended for consumer use.

Email Address Phone Number

u 5/6 ARM Options on all Non-QM Programs

u 0.125% Rate Improvement on ARMs

u Interest Only Options Available

5/6 ARM – Loan is a fixed rate for the first 5 years and then will be adjustable every six months for the remaining term of the loan.

FIVE YEARFIXED ARM

INTRODUCING 5/6 ARM*

(ADJUSTABLE RATE MORTGAGE)

https://www.exceleratecapital.com

https://ec-tpo.com/rate-sheets/





Cambria

Rate SheetEffective Date: September 20th, 2021

CONTACT INFORMATION GENERAL INFORMATION EXTENSION COST PRICING INFORMATIONSubmission [email protected] • Approval required to Lock Per Day (0.02) Maximum Price 101.00Scenario Desk [email protected] • 15 Day locks require Clear to Close 7 days (0.15) Minimum Rate 3.000%Lock Request [email protected] • Lock Desk Hours 8:30am - 3:30pm PT 15 days (0.30) Rate Buydown Formula .125 Rate / .25% PriceDisclosures [email protected] • Underwriting Fee - $1195 Lender Paid (0.5% - 2.75%) 0.25 Rate / 0.5 % LPCFunding [email protected]

SPECIAL PRICE INCENTIVES15/30 YEAR FIXED PRIME Purchase Transaction (0.250)

FICO <= 50% 50.01 - 55 55.01 - 60 60.01 - 65 65.01 - 70 70.01 - 75 75.01 - 80 80.01 - 85 85.01 - 90 15-Day Lock (0.250)760+ 3.125 3.125 3.250 3.250 3.375 3.625 3.875 4.000 4.500740 - 759 3.250 3.250 3.250 3.375 3.500 3.625 3.875 4.000 4.875 LTV RESTRICTIONS720 - 739 3.250 3.250 3.375 3.500 3.625 3.750 3.875 4.250 5.250 Loan Amount Limits Purchase/RateTe Cash Out700 - 719 3.375 3.500 3.625 3.625 3.750 4.000 4.250 4.500 5.750 > 3,000,000 (case by case) 70 65680 - 699 3.625 3.625 3.750 3.875 3.875 4.125 4.375 4.875 6.000 > 2,500,000 75 70660 - 679 3.750 3.875 4.000 4.000 4.125 4.375 4.375 5.000 N/A > 2,000,000 80 75

> 1,500,000 85 75

ADDITIONAL "LOAN LEVEL RATE ADJUSTERS" 12 Month Income 90 80Doc Type <= 50% 50.01 - 55 55.01 - 60 60.01 - 65 65.01 - 70 70.01 - 75 75.01 - 80 80.01 - 85 85.01 - 90 2nd Home / Investments 85 802 Year Tax Returns / 1099's 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.0001 Year Tax Returns / 1099's 0.000 0.000 0.125 0.125 0.125 0.250 0.250 0.250 0.250 PRODUCT OVERLAYS24 Month Bank Statements 0.000 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125 Minimum Loan Amount $150,00012 Month Bank Statements 0.125 0.250 0.250 0.250 0.375 0.375 0.375 0.500 0.500 Maximum Loan Amount $3,000,000Asset Utilization 0.250 0.250 0.250 0.250 0.375 0.500 0.500 0.625 N/A (Contact Secondary) $4,000,000Written VOE 0.500 0.500 0.500 0.500 0.500 0.500 0.500 N/A N/A Cash Out Limit $750,000Loan Purpose <= 50% 50.01 - 55 55.01 - 60 60.01 - 65 65.01 - 70 70.01 - 75 75.01 - 80 80.01 - 85 85.01 - 90 Cash Out Amount Limit - LTV <= 50% UnlimitedCash Out 0.375 0.375 0.375 0.375 0.375 0.375 0.375 0.375 N/A Asset Utilization 85% LTV/CLTVInterest Only 0.000 0.125 0.125 0.250 0.250 0.250 0.250 0.250 0.375 Condo (Purchase) 90% LTV/CLTV5/6 ARM (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) Condo (R/T & Cashout) 85% LTV/CLTVProperty Type <= 50% 50.01 - 55 55.01 - 60 60.01 - 65 65.01 - 70 70.01 - 75 75.01 - 80 80.01 - 85 85.01 - 90 Non-Warrantable Condo 80% LTV/CLTVCondo (All) 0.125 0.125 0.125 0.125 0.125 0.250 0.250 0.250 0.375 Condo in Florida (C/O) 65% LTV/CLTV2-4 Units 0.250 0.250 0.250 0.250 0.250 0.375 0.375 0.375 N/A 2-4 Units 85% LTV/CLTVOccupancy <= 50% 50.01 - 55 55.01 - 60 60.01 - 65 65.01 - 70 70.01 - 75 75.01 - 80 80.01 - 85 85.01 - 90 Rural 75% LTV/CLTVSecond Home 0.125 0.125 0.125 0.250 0.375 0.375 0.375 0.375 N/A Declining Markets 70% LTV/CLTVInvestment Property 0.125 0.125 0.250 0.250 0.250 0.375 0.375 0.375 N/A FSBO 80% LTV/CLTVLoan Amount <= 50% 50.01 - 55 55.01 - 60 60.01 - 65 65.01 - 70 70.01 - 75 75.01 - 80 80.01 - 85 85.01 - 90 Subordination Institutional Only$2,000,001 - $2,500,000 0.125 0.125 0.125 0.125 0.125 0.125 0.125 N/A N/A Credit Event (FC, BK, SS, or Loan Mod) 4+ Years$2,500,001 - $3,000,000 0.250 0.250 0.250 0.250 0.250 0.250 N/A N/A N/A Forbearance 4+ Years$3,000,000 + Debt-to-Income Limit 50%Credit / Debt <= 50% 50.01 - 55 55.01 - 60 60.01 - 65 65.01 - 70 70.01 - 75 75.01 - 80 80.01 - 85 85.01 - 90 Reserves (Loan Amount <= $1,500,000) 6 MonthsDTI 50% - 55% 0.125 0.125 0.125 0.125 0.125 0.250 0.250 N/A N/A Reserves (Loan Amount > $1,500,000) 9 MonthsMortgage History (1x30x12) 0.250 0.250 0.375 0.500 0.500 0.500 0.500 0.500 N/A Reserves (Loan Amount > $2,500,000) 12 MonthsPPP Term (Investment Only) <= 50% 50.01 - 55 55.01 - 60 60.01 - 65 65.01 - 70 70.01 - 75 75.01 - 80 80.01 - 85 85.01 - 90 Reserves Reduced by 3 Months LTV <= 75%60 Month PPP (0.500) (0.500) (0.500) (0.500) (0.500) (0.500) (0.500) (0.500) N/A48 Month PPP (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) N/A Mortage History36 Month PPP (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) N/A Seasoning/History Purchase/RT Cash Out24 Month PPP 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125 N/A 1x30x12 85% 80%12 Month PPP 0.375 0.375 0.375 0.375 0.375 0.375 0.375 0.375 N/ANo Prepay 0.750 0.750 0.750 0.750 0.750 0.750 0.750 0.750 N/A

PRIMEPremium Mortgage

Contact Secondary

Guidelines

Information provided herein is intended for mortgage professionals only. Castle Mortgage Corporation, LLC., d.b.a. Excelerate Capital. nmlsconsumeraccess.org; NMLS #61382. 4000 MacArthur Blvd, Suite 800, Newport Beach, CA 92660.

Available in these states: AZ, CA, CO, FL, GA, HI, ID, IL, IN, MD, MI, MS, NC, NV, OH, OR, PA, SC, TN, TX, VA, WA.

mailto:[email protected]










https://ec-tpo-com-assets.s3-us-west-2.amazonaws.com/pdf/product-guidelines/Prime.pdf

https://ec-tpo-com-assets.s3-us-west-2.amazonaws.com/pdf/product-guidelines/Prime.pdf


CONTACT INFORMATION GENERAL INFORMATION EXTENSION COST PRICING INFORMATIONSubmission [email protected] • Approval required to Lock Per Day (0.02) Maximum Price 101.00Scenario Desk [email protected] • 15 Day locks require Clear to Close 7 days (0.15) Minimum Rate 3.375%Lock Request [email protected] • Lock Desk Hours 8:30am - 3:30pm PT 15 days (0.30) Rate Buydown Formula .125 Rate / .25% PriceDisclosures [email protected] • Underwriting Fee - $1195 Lender Paid (0.5% - 2.75%) 0.25 Rate / 0.5 % LPCFunding [email protected]

SPECIAL PRICE INCENTIVES15/30 YEAR FIXED EXCELERATE Purchase Transaction (0.250)

FICO <= 50% 50.01 - 55 55.01 - 60 60.01 - 65 65.01 - 70 70.01 - 75 75.01 - 80 80.01 - 85 85.01 - 90 15-Day Lock (0.250)740+ 3.500 3.625 3.625 3.750 3.875 4.000 4.125 4.500 5.000 Loan Amount 500,000 - 1,000,000 (0.125)720-739 3.750 3.750 3.875 3.875 4.125 4.125 4.250 4.750 5.250700-719 3.875 4.000 4.000 4.125 4.250 4.375 4.500 5.000 5.500 RESTRICTIONS680-699 3.875 3.875 4.000 4.250 4.250 4.375 4.625 5.125 N/A Loan Amount Limits Min. FICO Purchase/RT Cash Out660-679 4.000 4.000 4.125 4.375 4.500 4.625 4.875 5.500 N/A > 2,500,000 680 75 70640-659 4.250 4.250 4.375 4.500 4.750 4.750 5.000 N/A N/A > 2,000,000 620 80 70620-639 4.375 4.500 4.500 4.750 4.875 5.250 5.625 N/A N/A > 1,500,000 620 85 75600-619 5.000 5.125 5.125 5.375 5.500 N/A N/A N/A N/A <= 1,500,000 580 90 80580-599 5.375 5.500 5.750 6.125 6.250 N/A N/A N/A N/A 12 Month Income 580 90 80

2nd Home / Investments 580 85 80ADDITIONAL "LOAN LEVEL RATE ADJUSTERS"Doc Type <= 50% 50.01 - 55 55.01 - 60 60.01 - 65 65.01 - 70 70.01 - 75 75.01 - 80 80.01 - 85 85.01 - 90 PRODUCT OVERLAYS2 Year Tax Returns / 1099's 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 Minimum Loan Amount $150,0001 Year Tax Returns / 1099's 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.250 Maximum Loan Amount $3,000,00024 Month Bank Statements 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.250 0.250 Cash Out Limit $750,00012 Month Bank Statements 0.250 0.250 0.250 0.250 0.250 0.250 0.250 0.375 0.375 Cash Out Amount Limit - LTV <= 50% UnlimitedAsset Utilization 0.250 0.250 0.250 0.250 0.375 0.375 0.375 N/A N/A Asset Utilization 80% LTV/CLTVWritten VOE 0.250 0.250 0.250 0.250 0.375 0.375 0.375 N/A N/A Condo 85% LTV/CLTVProfit & Loss ONLY 0.250 0.250 0.250 0.375 0.375 0.500 0.500 N/A N/A Non-Warrantable Condo 80% LTV/CLTVLoan Purpose <= 50% 50.01 - 55 55.01 - 60 60.01 - 65 65.01 - 70 70.01 - 75 75.01 - 80 80.01 - 85 85.01 - 90 Condo in Florida (C/O) 65% LTV/CLTVCash Out 0.125 0.125 0.250 0.250 0.250 0.375 0.375 N/A N/A 2-4 Units 85% LTV/CLTVInterest Only 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.250 0.250 Rural 75% LTV/CLTV5/6 ARM (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) Declining Markets 70% LTV/CLTVProperty Type <= 50% 50.01 - 55 55.01 - 60 60.01 - 65 65.01 - 70 70.01 - 75 75.01 - 80 80.01 - 85 85.01 - 90 FSBO 80% LTV/CLTVCondo (All) 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125 N/A Interest Only - Maximum LTV 90% LTV/CLTV2-4 Unit 0.250 0.250 0.250 0.250 0.250 0.250 0.250 0.250 N/A Interest Only - Minimum FICO 640Occupancy <= 50% 50.01 - 55 55.01 - 60 60.01 - 65 65.01 - 70 70.01 - 75 75.01 - 80 80.01 - 85 85.01 - 90 Subordination Institutional OnlySecond Home 0.125 0.125 0.125 0.125 0.125 0.125 0.250 0.250 N/A Debt-to-Income Limit 50%Investment Property 0.250 0.250 0.250 0.375 0.375 0.375 0.375 0.375 N/A Reserves (LTV < 80%) 3 MonthsLoan Amount <= 50% 50.01 - 55 55.01 - 60 60.01 - 65 65.01 - 70 70.01 - 75 75.01 - 80 80.01 - 85 85.01 - 90 Reserves (LTV > 80.01%) 6 Months$2,000,001 - $2,500,000 0.125 0.125 0.125 0.125 0.125 0.125 0.125 N/A N/A Mortage History 0x90x12$2,500,001 - $3,000,000 0.250 0.250 0.250 0.250 0.250 0.250 N/A N/A N/A Seasoning/History Purchase/RT Cash OutMortage Hisotry <= 50% 50.01 - 55 55.01 - 60 60.01 - 65 65.01 - 70 70.01 - 75 75.01 - 80 80.01 - 85 85.01 - 90 1x30x12 85% 80%Mortgage History (1x30x12) 0.000 0.000 0.000 0.000 0.125 0.250 0.250 0.250 N/A 0x60x12 80% 75%Mortgage History (0x60x12) 0.125 0.125 0.125 0.125 0.250 0.375 0.375 N/A N/A 0x90x12 70% N/AMortgage History (0x90x12) 0.375 0.375 0.375 0.500 0.625 N/A N/A N/A N/A Credit Event (FC, BK, SS) 1+ YearCredit Event History <= 50% 50.01 - 55 55.01 - 60 60.01 - 65 65.01 - 70 70.01 - 75 75.01 - 80 80.01 - 85 85.01 - 90 Seasoning/History Purchase/RT Cash Out>=36 Mo 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 No Credit Event 90% 80%24 - 36 Mo 0.125 0.125 0.125 0.125 0.250 0.250 0.250 0.250 N/A Credit Event 3+ Years 90% 80%12 - 24 Mo 0.125 0.125 0.125 0.125 0.375 N/A N/A N/A N/A Credit Event 2+ Years 85% 75%PPP Term (Investment Only) <= 50% 50.01 - 55 55.01 - 60 60.01 - 65 65.01 - 70 70.01 - 75 75.01 - 80 80.01 - 85 85.01 - 90 Credit Event 1+ Years 70% N/A60 Month PPP (0.500) (0.500) (0.500) (0.500) (0.500) (0.500) (0.500) (0.500) N/A Forbearance (Loan mod, Deferral) 3+ Months48 Month PPP (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) N/A Seasoning/History Purchase/RT Cash Out36 Month PPP (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) N/A Forbearance 3+ Months 80% 70%24 Month PPP 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125 N/A Forbearance 6+ Months 85% 75%12 Month PPP 0.375 0.375 0.375 0.375 0.375 0.375 0.375 0.375 N/A Seasoning/History Purchase/RT Cash OutNo Prepay 0.750 0.750 0.750 0.750 0.750 0.750 0.750 0.750 N/A Forbearance 3+ Months 80% 70%

Forbearance 6+ Months 85% 75%

ExcelerateIt 's Easy

Maximum LTV

Guidelines













https://ec-tpo-com-assets.s3-us-west-2.amazonaws.com/pdf/product-guidelines/Excelerate.pdf

https://ec-tpo-com-assets.s3-us-west-2.amazonaws.com/pdf/product-guidelines/Excelerate.pdf

Cambria


CONTACT INFORMATION GENERAL INFORMATION PRICING INFORMATIONSubmission [email protected] • Approval required to Lock Maximum Price 101.00Scenario Desk [email protected] • 15 Day locks require Clear to Close Minimum Rate 3.750%Lock Request [email protected] • Lock Desk Hours 8:30am - 3:30pm PT EXTENSION COST Rate Buydown Formula .125 Rate / .25% PriceDisclosures [email protected] • Underwriting Fee - $1195 Per Day (0.02) Lender Paid (0.5% - 2.75%) 0.25 Rate / 0.5 % LPCFunding [email protected] 7 days (0.15)

15 days (0.30) SPECIAL PRICE INCENTIVES15-Day Lock (0.250)

15/30 YEAR FIXED CASH FLOW Purchase Transaction (0.250)FICO <= 50% 50.01 - 55 55.01 - 60 60.01 - 65 65.01 - 70 70.01 - 75 75.01 - 80

760+ 3.750 3.750 3.875 3.875 4.000 4.125 4.250 LTV RESTRICTIONS740 - 759 3.750 3.750 3.875 4.000 4.125 4.125 4.375 Loan Amount Limits Purchase/RateTe Cash Out720 - 739 3.875 3.875 4.000 4.000 4.250 4.250 4.500 > 2,500,000 70 65700 - 719 4.000 4.125 4.250 4.250 4.250 4.375 4.500 > 2,000,000 70 65680 - 699 4.250 4.250 4.250 4.375 4.625 4.625 4.625 > 1,500,000 75 70660 - 679 4.375 4.500 4.500 4.625 4.875 5.125 5.625640 - 659 4.500 4.500 4.625 5.000 5.125 5.625 N/A PRODUCT OVERLAYS620 - 639 5.125 5.250 5.375 5.625 5.750 N/A N/A Minimum Loan Amount $150,000600 - 619 5.500 5.750 6.000 6.125 N/A N/A N/A Maximum Loan Amount $3,000,000

Cash Out Limit $750,000

ADDITIONAL "LOAN LEVEL RATE ADJUSTERS" Cash Out Amount Limit - LTV <= 50% UnlimitedFeature <= 50% 50.01 - 55 55.01 - 60 60.01 - 65 65.01 - 70 70.01 - 75 75.01 - 80 Condo 80% LTV/CLTVCash Out 0.125 0.125 0.125 0.250 0.250 0.375 N/A Condo in Florida (C/O) 65% LTV/CLTVInterest Only 0.125 0.125 0.250 0.250 0.250 0.250 0.250 2-4 Units 75% LTV/CLTVDSCR 0.65- 0.99 0.375 0.375 0.375 0.375 0.375 0.375 0.375 Rural 70% LTV/CLTV5/6 ARM (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) Declining Markets 70% LTV/CLTVProperty Type <= 50% 50.01 - 55 55.01 - 60 60.01 - 65 65.01 - 70 70.01 - 75 75.01 - 80 FSBO 80% LTV/CLTVCondo 0.125 0.125 0.125 0.125 0.250 0.250 0.250 Interest Only - Minimum FICO 6402-4 Units 0.125 0.125 0.125 0.250 0.250 0.250 N/A Subordinate Financing Institutional OnlyCredit <= 50% 50.01 - 55 55.01 - 60 60.01 - 65 65.01 - 70 70.01 - 75 75.01 - 80 Credit Event (FC, BK, SS) 3+ YearsMortgage History (1x30x12) 0.250 0.250 0.250 0.250 0.375 0.500 N/A Forbearance (Loan mod, Deferral) 3+ MonthsPPP Term (Investment Only) <= 50% 50.01 - 55 55.01 - 60 60.01 - 65 65.01 - 70 70.01 - 75 75.01 - 80 Mortage History 1x30x1260 Month PPP (0.500) (0.500) (0.500) (0.500) (0.500) (0.500) (0.500) 1x30x12 - Max LTV 75% LTV/CLTV48 Month PPP (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) Reserves 3 Months36 Month PPP (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) Reserves (Loan Amount > $1,500,000) 6 Months24 Month PPP 0.125 0.125 0.125 0.125 0.125 0.125 0.125 DSCR Minimum 0.6512 Month PPP 0.375 0.375 0.375 0.375 0.375 0.375 0.375No Prepay 0.750 0.750 0.750 0.750 0.750 0.750 0.750 CREDIT REQUIREMENTS

Seasoning/History Purchase/RT Cash OutForbearance 3+ Months 75% 65%Forbearance 6+ Months 80% 70%

INVESTORDebt Service Coverage

Guidelines


Available in these states: AZ, CA, CO, FL, GA, HI, ID, IL, IN, MD, MI, MS, NC, NV, OH, OR, PA, SC, TN, TX, VA, WA.State restrictions (can't sponsor): AZ, CA, ID, NV, NC, OR, VA.











https://ec-tpo-com-assets.s3-us-west-2.amazonaws.com/pdf/product-guidelines/Cash-Flow.pdf

https://ec-tpo-com-assets.s3-us-west-2.amazonaws.com/pdf/product-guidelines/Cash-Flow.pdf

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Cambria


CONTACT INFORMATION GENERAL INFORMATION PRICING INFORMATIONSubmission [email protected] • Approval required to Lock Maximum Price 101.00

Scenario Desk [email protected] • 15 Day locks require Clear to Close Minimum Rate 3.375%

Lock Request [email protected] • Lock Desk Hours 8:30am - 3:30pm PT EXTENSION COST Rate Buydown Formula .125 Rate / .25% Price

Disclosures [email protected] • Underwriting Fee - $1195 Per Day (0.02) Lender Paid (0.5% - 2.75%) 0.25 Rate / 0.5 % LPC

Funding [email protected] 7 days (0.15)


15/30 YEAR FIXED CASH FLOW Purchase Transaction (0.250)

FICO <= 50% 50.01 - 55 55.01 - 60 60.01 - 65 65.01 - 70 70.01 - 75 75.01 - 80

760+ 3.375 3.375 3.500 3.500 3.625 3.750 4.000 LTV RESTRICTIONS740 - 759 3.500 3.500 3.500 3.500 3.750 3.875 4.125 Loan Amount Limits Purchase/RateTe Cash Out

720 - 739 3.625 3.625 3.625 3.625 3.875 4.000 4.250 > 1,500,000 70 70

> 1,000,000 75 70

ADDITIONAL "LOAN LEVEL RATE ADJUSTERS"Feature <= 50% 50.01 - 55 55.01 - 60 60.01 - 65 65.01 - 70 70.01 - 75 75.01 - 80 PRODUCT OVERLAYSCash Out 0.125 0.125 0.125 0.250 0.250 0.375 N/A Minimum Loan Amount $150,000

Interest Only 0.125 0.125 0.250 0.250 0.250 0.250 0.250 Maximum Loan Amount $2,000,000

5/6 ARM (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) Cash Out Limit $750,000

Property Type <= 50% 50.01 - 55 55.01 - 60 60.01 - 65 65.01 - 70 70.01 - 75 75.01 - 80 Cash Out Amount Limit - LTV <= 50% Unlimited

Condo 0.125 0.125 0.125 0.125 0.250 0.250 0.250 Condo in Florida (C/O) 65% LTV/CLTV

2-4 Units 0.125 0.125 0.125 0.250 0.250 0.250 N/A 2-4 Units 75% LTV/CLTV

PPP Term (Investment Only) <= 50% 50.01 - 55 55.01 - 60 60.01 - 65 65.01 - 70 70.01 - 75 75.01 - 80 Rural N/A

60 Month PPP (0.500) (0.500) (0.500) (0.500) (0.500) (0.500) (0.500) Declining Markets N/A

48 Month PPP (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) Subordinate Financing Institutional Only

36 Month PPP (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) Credit Event (FC, BK, SS) 4+ Years

24 Month PPP 0.125 0.125 0.125 0.125 0.125 0.125 0.125 Forbearance (Loan mod, Deferral) 4+ Years

12 Month PPP 0.375 0.375 0.375 0.375 0.375 0.375 0.375 Mortage History 0x30x12

Reserves 6 Months

DSCR Minimum 1.25

INVESTOR +Debt Service Coverage +

NEW PRODUCT

Guidelines


Available in these states: AZ, CA, CO, FL, GA, HI, ID, IL, IN, MD, MI, MS, NC, NV, OH, OR, PA, SC, TN, TX, VA, WA.State restrictions (can't sponsor): AZ, CA, ID, NV, NC, OR, VA.











https://ec-tpo-com-assets.s3.us-west-2.amazonaws.com/pdf/product-guidelines/Cash-Flow-Plus.pdf

https://ec-tpo-com-assets.s3.us-west-2.amazonaws.com/pdf/product-guidelines/Cash-Flow-Plus.pdf

ssaldano

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ssaldano

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Cambria


CONTACT INFORMATION GENERAL INFORMATION EXTENSION COSTSubmission [email protected] • Approval required to Lock Per Day 7 days 15 daysScenario Desk [email protected] • 15 Day locks require Clear to Close (0.02) (0.15) (0.30)Lock Request [email protected] • Lock Desk Hours 8:30am - 3:30pm PTDisclosures [email protected] • Underwriting Fee - $1195 PRODUCT OVERLAYSFunding [email protected] Minimum Loan Amount $150,000

Maximum Loan Amount $2,000,000Cash-In-Hand Limit - LTV <= 50% $750,000

15/30 YEAR FIXED CASH FLOW Cash-In-Hand Limit - LTV > 50% $300,000FICO <= 50% 50.01 - 55 55.01 - 60 60.01 - 65 65.01 - 70 70.01-75 Condo 65% LTV/CLTV

720+ 4.250 4.250 4.500 4.625 4.750 5.000 2-4 Unit 65% LTV/CLTV680 - 719 4.500 4.625 4.750 5.000 5.125 5.625 Credit Event (FC, BK, SS) 4+ YearsForeign Credit 4.750 4.750 5.000 5.375 5.750 6.000 Mortage History 0x30x12

Debt-to-Income Limit (Asset Utilization Only) 50%

ADDITIONAL "LOAN LEVEL RATE ADJUSTERS" Reserves 12 MonthsFeature <=50 50.01-55 55.01-60 60.01-65 65.01-70 70.01-75 Reserves reduced to 6 months 5% LTV reductionAsset Utilization 0.250 0.250 0.250 0.250 0.250 0.250 DSCR Minimum 0.75DSCR 0.75- 0.99 0.250 0.250 0.250 0.250 N/A N/AFeature <=50 50.01-55 55.01-60 60.01-65 65.01-70 70.01 - 75 SPECIAL PRICE INCENTIVESCash-Out Refi 0.250 0.375 0.375 0.500 0.500 NA 15-Day Lock (0.250)Interest Only 0.125 0.125 0.125 0.125 0.125 0.125 Purchase Transaction (0.250)5/6 ARM (0.125) (0.125) (0.125) (0.125) (0.125) (0.125)Property Type <=50 50.01-55 55.01-60 60.01-65 65.01-70 70.01 - 75 PRICING INFORMATIONCondo 0.125 0.125 0.125 0.125 NA NA Maximum Price 100.002-4 Unit 0.250 0.250 0.250 0.250 NA NA Minimum Rate 4.250PPP Term (Investment Only) <=50 50.01-55 55.01-60 60.01-65 65.01-70 70.01 - 75 Rate Buydown Formula .125 Rate / .25% Price60 Months (0.125) (0.125) (0.250) (0.375) (0.375) (0.375) Lender Paid (0.5% - 2.75%) 0.25 Rate / 0.5 % LPC48 Months (0.125) (0.125) (0.125) (0.250) (0.250) (0.250)36 Months 0.000 0.000 0.000 0.000 0.000 0.00024 Months 0.375 0.375 0.375 0.375 0.375 0.37512 Months 0.625 0.625 0.750 0.875 0.875 0.875

No Penalty 0.875 0.875 1.000 1.125 1.125 1.125

FOREIGN NATIONAL2nd Home & Investments

Guidelines













https://ec-tpo-com-assets.s3-us-west-2.amazonaws.com/pdf/product-guidelines/Foreign-National.pdf

https://ec-tpo-com-assets.s3-us-west-2.amazonaws.com/pdf/product-guidelines/Foreign-National.pdf

Cambria

Individual Taxpayer Identificat ion Number

Effective Date: September 20th, 2021

CONTACT INFORMATION GENERAL INFORMATION PRICING INFORMATIONSubmission [email protected] • Approval required to Lock Maximum Price 101.00Scenario Desk [email protected] • 15 Day locks require Clear to Close Minimum Rate 4.000%Lock Request [email protected] • Lock Desk Hours 8:30am - 3:30pm PT EXTENSION COST Rate Buydown Formula .125 Rate / .25% PriceDisclosures [email protected] • Underwriting Fee - $1195 Per Day (0.02) Lender Paid (0.5% - 2.75%) 0.25 Rate / 0.5 % LPCFunding [email protected] 7 days (0.15)


15/30 YEAR ITIN Purchase Transaction (0.250)FICO <= 50% 50.01 - 55 55.01 - 60 60.01 - 65 65.01 - 70 70.01 - 75 75.01 - 80

760+ 4.000 4.000 4.125 4.125 4.250 4.375 4.500 LTV RESTRICTIONS740 - 759 4.000 4.000 4.125 4.250 4.375 4.375 4.625 Loan Amount Limits Purchase/RateTe Cash Out720 - 739 4.125 4.125 4.250 4.250 4.500 4.500 4.750 > 1,000,000 75 70700 - 719 4.250 4.375 4.500 4.500 4.500 4.625 4.750680 - 699 4.500 4.625 4.500 4.625 4.875 4.875 5.000 PRODUCT OVERLAYS660 - 679 4.625 4.750 4.750 4.875 5.125 5.375 N/A Minimum Loan Amount $150,000640 - 659 4.750 4.750 4.875 5.250 5.375 N/A N/A Maximum Loan Amount $1,500,000

Cash Out Limit 5/6 ARM

ADDITIONAL "LOAN LEVEL RATE ADJUSTERS" Cash Out Amount Limit - LTV <= 50% UnlimitedDoc Type <= 50% 50.01 - 55 55.01 - 60 60.01 - 65 65.01 - 70 70.01 - 75 75.01 - 80 Condo 80% LTV/CLTVFull Documentation 0.000 0.000 0.000 0.000 0.000 0.000 0.000 Condo in Florida (C/O) 65% LTV/CLTV24 Month Bank Statements 0.125 0.125 0.125 0.125 0.125 0.125 0.125 2-4 Units 80% LTV/CLTV12 Month Bank Statements 0.250 0.250 0.250 0.250 0.250 0.250 0.250 Declining Markets 70% LTV/CLTVFeature <= 50% 50.01 - 55 55.01 - 60 60.01 - 65 65.01 - 70 70.01 - 75 75.01 - 80 FSBO 80% LTV/CLTVCash Out 0.375 0.375 0.375 0.375 0.375 0.375 N/A Debt-to-Income Limit 50%Interest Only 0.125 0.125 0.250 0.250 0.250 0.250 0.250 Interest Only - Minimum FICO 6405/6 ARM (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) Subordinate Financing Institutional OnlyProperty Type <= 50% 50.01 - 55 55.01 - 60 60.01 - 65 65.01 - 70 70.01 - 75 75.01 - 80 Credit Event (FC, BK, SS) 3+ YearsCondo 0.125 0.125 0.125 0.125 0.125 0.125 0.125 Forbearance (Loan mod, Deferral) 3+ Months2-4 Units 0.250 0.250 0.250 0.250 0.250 0.250 0.250 Mortage History 1x30x12Credit <= 50% 50.01 - 55 55.01 - 60 60.01 - 65 65.01 - 70 70.01 - 75 75.01 - 80 1x30x12 - Max LTV 75% LTV/CLTVMortgage History (1x30x12) 0.250 0.250 0.250 0.250 0.375 0.500 N/A Reserves (Loan Amount <= $1,000,000) 3 MonthsPPP Term (Investment Only) <= 50% 50.01 - 55 55.01 - 60 60.01 - 65 65.01 - 70 70.01 - 75 75.01 - 80 Reserves (Loan Amount > $1,000,000) 6 Months60 Month PPP (0.500) (0.500) (0.500) (0.500) (0.500) (0.500) (0.500)48 Month PPP (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) CREDIT REQUIREMENTS36 Month PPP (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) Seasoning/History Purchase/RT Cash Out24 Month PPP 0.125 0.125 0.125 0.125 0.125 0.125 0.125 Forbearance 3+ Months 75% 65%12 Month PPP 0.375 0.375 0.375 0.375 0.375 0.375 0.375 Forbearance 6+ Months 80% 70%No Prepay 0.750 0.750 0.750 0.750 0.750 0.750 0.750

ITIN

Guidelines













https://ec-tpo-com-assets.s3-us-west-2.amazonaws.com/pdf/product-guidelines/ITIN.pdf

https://ec-tpo-com-assets.s3-us-west-2.amazonaws.com/pdf/product-guidelines/ITIN.pdf

(adjustable rate mortgage)

Documents