base pricing assumes borrower paid compensation · prmg fha va lender ids applicable to only govt...
TRANSCRIPT
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
Agency Portfolio/Agency Portfolio No MI Pg.6
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
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 DatesDown Payment Protection Pg.9 Last day to fund GOVT loans with 4/1 payment 03/06/20
Ruby Jumbo Pg.10 Last day to fund CONV loans with 4/1 payment 03/10/20
Diamond Jumbo Pg.10 Last day to DISCLOSE Streamlines for March Funding 03/17/20
Platinum Jumbo Pg.10 Last day to fund Streamlines for March Funding 03/31/20
Diamond Price Adjustments Pg.11 Last day to Draw Docs with April 1st Payment 03/01/20
Platinum Price Adjustments Pg.12Expanded Access Pg.13 Lock Desk InfoHybrid Conforming and Jumbo Pg.14 Lock Cut-off (Govt & Agency Fixed Programs) 5:00 pm PST
Investor Solution Pg.15 Lock Cut-off (All ARMs & All Jumbo Programs) 3:30 pm PST
Lock Online (available till 5:00 pm PST) http://tpo.prmg.net/
Email Link to Manual Lock Form;
www.eprmg.net/PRMG%20Manual%20Lock%20Request%20Form%20(Editable).pdf
Secondary Fax 951-278-5633Lender Fees Extensions & Re-Locks [email protected]
Underwriting Fee - Borrower Paid Transactions $990.00Underwriting Fee - Lender Paid Transactions $990.00
FHA Streamlines/VA IRRRLs $490.00 http://www.eprmg.net/ResourceCenter/PoliciesProceduresInformation/PRMGFHAandVALenderIDs.pdf
*NO Fee Option (Use No Fee Calculator to determine fee in bps)
www.eprmg.net/NoFeeCalculator.xls Lock Expiration Dates15 Days 04/02/20
Mortgagee Clause 30 Days 04/17/20
Paramount Residential Mortgage Group, INC. 45 Days 05/02/20
Its Successors and/or Assigns 60 Days 05/17/20
1265 Corona Pointe Court Ste. 301Corona, California 92879 Lock Extension Policy
1-5 Days 0.125Approved States 6-10 Days 0.250
Alaska Missouri 11-15 Days 0.375
Alabama Montana 16-20 Days 0.500
Arizona New Hampshire 21-25 Days 0.625
Arkansas New Jersey 26-30 Days 0.750
California New MexicoColorado Nebraska Extended Rate Lock TermsConnecticut Nevada 45 Days .100 in fee
Delaware North Carolina 60 Days .300 in fee
District of Columbia North Dakota 75 Days .450 in fee
Florida Ohio 90 Days .600 in fee
Georgia Oklahoma 120 Days 1.000 in fee
Hawaii Oregon The above fees are applied to the 30 day price.
Idaho Pennsylvania
Indiana Rhode Island
Illinois South CarolinaIowa South Dakota Market UpdateKansas Tennessee 1 Yr Libor 0.862
Kentucky Texas 1 Yr T-Bill 0.170
Louisiana Utah 6 Mo Libor 0.913
Maine Vermont Prime Rate 3.250
Maryland Virginia 10 Yr Bond 1.100
Massachusetts Washington 30 Yr Bond 1.710
Michigan West VirginiaMinnesota Wisconsin Average Prime Offer RatesMississippi 30/40 Yr Fixed 3.420
15/20 Yr Fixed 2.870
PRMG Website 10 Yr Fixed 3.180
FT360 http://tpo.prmg.net/ 1/1 ARM 3.120
3/1 ARM 3.120
Scenario Pricer 5/1 ARM 3.100
For On-line Rate/Price quotes, log on to our Scenario 7/1 ARM 3.140
Pricer at: http://tpo.prmg.net/ 10/1 ARM 3.150
WHOLESALE REGIONAL OPERATING CENTERSWestern Region Dave Pilotte, RVP (951) 278-0000 Mountain Region Michael J. Miller, RVP (303) 957-8390
Western Region Herb Lewis, DVP (866) 776-4937 Northeast Region Herb Lewis, DVP (866) 776-4937
Western Region Alex Del Haro, DVP (714) 824-2997 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
Southwest Region Joe Spangenberg, RVP (602) 977-7764
Rate Sheet: Whls-1002
PRMG FHA VA Lender IDs
Applicable to only Govt & Conv-Conf Fixed Loan Programs.
Contact Secondary for fees on all other programs.
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
1:29PM 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 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
5.125% (2.123) (1.923) 4.750% (1.849) (1.649) 4.250% (2.452) (2.252) 4.750% (0.790) (0.590)
5.000% (1.952) (1.752) 4.625% (1.503) (1.303) 4.125% (2.181) (1.981) 4.625% (0.693) (0.493)
4.990% (1.872) (1.672) 4.500% (1.344) (1.144) 4.000% (1.874) (1.674) 4.500% (0.458) (0.258)
4.875% (1.923) (1.723) 4.375% (1.795) (1.595) 3.875% (1.491) (1.291) 4.490% (0.378) (0.178)
4.750% (1.599) (1.399) 4.250% (1.489) (1.289) 3.750% (1.207) (1.007) 4.375% (0.201) (0.001)
4.625% (1.276) (1.076) 4.125% (1.519) (1.319) 3.625% (0.753) (0.553) 4.250% 0.143 0.343
4.500% (1.325) (1.125) 4.000% (1.229) (1.029) 3.500% (1.229) (1.029) 4.125% (0.863) (0.663)
4.375% (0.988) (0.788) 3.875% (0.860) (0.660) 3.375% (0.882) (0.682) 4.000% (0.339) (0.139)
4.250% (0.656) (0.456) 3.750% (0.686) (0.486) 3.250% (0.544) (0.344) 3.875% (0.259) (0.059)
4.125% (0.959) (0.759) 3.625% (0.116) 0.084 3.125% (0.035) 0.165 3.750% 0.442 0.642
4.000% (0.667) (0.467) 3.500% 0.188 0.388 3.000% 0.279 0.479 3.625% 0.052 0.252
3.990% (0.587) (0.387) 3.375% 0.561 0.761 2.875% 0.605 0.805 3.500% 0.310 0.510
3.875% (0.325) (0.125) 3.250% 1.047 1.247 2.750% 0.976 1.176 3.375% 0.676 0.876
3.750% 0.117 0.317 3.125% 1.772 1.972 2.625% 1.795 1.995 3.250% 1.786 1.986
3.625% 0.023 0.223 3.000% 2.490 2.690 2.500% 2.274 2.474 3.125% 2.524 2.724
3.500% 0.426 0.626 2.875% 3.305 3.505 2.375% 2.962 3.162 3.000% 3.232 3.432
3.375% 0.885 1.085 2.750% 4.607 4.807 2.250% 3.495 3.695 2.875% 3.991 4.191
3.250% 1.380 1.580 2.750% 5.296 5.496
3.125% 2.284 2.484
3.000% 3.071 3.271
2.875% 3.892 4.092
2.750% 4.746 4.946
10 Yr Fixed 5/1 Libor ARM 7/1 Libor ARM 10/1 Libor ARMAgency/Agency No MI Agency/Agency No MI Agency/Agency No MI Agency/Agency No MI
Rate 15 30 Start Rate 15 30 Start Rate 15 30 Start Rate 15 30
4.000% (1.644) (1.444) 4.375% (2.674) (2.424) 4.500% (3.275) (3.025) 4.625% (2.668) (2.418)
3.875% (1.192) (0.992) 4.250% (2.700) (2.450) 4.375% (3.299) (3.049) 4.500% (2.790) (2.540)
3.750% (1.015) (0.815) 4.125% (1.663) (1.413) 4.250% (3.261) (3.011) 4.375% (1.318) (1.068)
3.625% (0.848) (0.648) 4.000% (1.626) (1.376) 4.125% (1.669) (1.419) 4.250% (1.345) (1.095)
3.500% (1.208) (1.008) 3.875% (1.815) (1.565) 4.000% (1.563) (1.313) 4.125% (1.060) (0.810)
3.375% (1.069) (0.869) 3.750% (1.645) (1.395) 3.875% (1.952) (1.702) 4.000% (1.105) (0.855)
3.250% (0.821) (0.621) 3.625% (1.583) (1.333) 3.750% (1.738) (1.488) 3.875% (1.656) (1.406)
3.125% (0.131) 0.069 3.500% (1.352) (1.102) 3.625% (1.774) (1.524) 3.750% (1.562) (1.312)
3.000% 0.245 0.445 3.375% (1.301) (1.051) 3.500% (1.477) (1.227) 3.625% (0.149) 0.101
2.875% 0.636 0.836 3.250% (1.022) (0.772) 3.375% (0.683) (0.433) 3.500% 0.006 0.256
2.750% 0.951 1.151 3.125% (0.394) (0.144) 3.250% (0.456) (0.206) 3.375% 0.151 0.401
2.625% 1.739 1.939 3.000% (1.081) (0.831) 3.125% (0.223) 0.027 3.250% 0.406 0.656
2.500% 2.162 2.362
Agency/Agency No MI Agency/Agency No MI Agency/Agency No MI
Rate 15 30 Start Rate 15 30 Start Rate 15 30 Rate 15 30
4.500% (2.431) (2.231) 4.125% (1.605) (1.355) 4.000% (1.588) (1.338)
4.375% (1.551) (1.351) 4.000% (1.493) (1.243) 3.875% (1.456) (1.206)
4.250% (1.233) (1.033) 3.875% (1.381) (1.131) 3.750% (1.326) (1.076)
4.125% (0.794) (0.594) 3.750% (1.269) (1.019) 3.625% (1.184) (0.934)
4.000% (0.512) (0.312) 3.625% (1.146) (0.896) 3.500% (0.947) (0.697)
3.875% (0.095) 0.105 3.500% (0.946) (0.696) 3.375% (0.711) (0.461)
3.750% (0.237) (0.037) 3.375% (0.748) (0.498) 3.250% (0.479) (0.229)
3.625% (0.017) 0.183 3.250% (0.553) (0.303) 3.125% (0.240) 0.010
3.500% 0.244 0.444 3.125% (0.348) (0.098) 3.000% (0.919) (0.669)
3.375% 0.618 0.818 3.000% (0.061) 0.189 2.875% (0.593) (0.343)
3.250% 1.003 1.203 2.875% 0.171 0.421 2.750% (0.267) (0.017)
3.125% 1.341 1.541 2.750% (1.214) (0.964) 2.625% 0.832 1.082
3.000% 1.670 1.870
Rate 15 30 Rate 15 30 Rate 15 30 Rate 15 30
4.750% (1.599) (1.399) 4.500% (2.965) (2.765)
4.625% (1.276) (1.076) 4.375% (2.355) (2.155)
4.500% (1.325) (1.125) 4.250% (2.452) (2.252)
4.375% (0.988) (0.788) 4.125% (2.181) (1.981)
4.250% (0.656) (0.456) 4.000% (1.874) (1.674)
4.125% (0.959) (0.759) 3.875% (1.491) (1.291)
4.000% (0.667) (0.467) 3.750% (1.207) (1.007)
3.875% (0.325) (0.125) 3.625% (0.753) (0.553)
3.750% 0.117 0.317 3.500% (1.229) (1.029)
3.625% 0.023 0.223 3.375% (0.882) (0.682)
3.500% 0.426 0.626 3.250% (0.544) (0.344)
3.375% 0.885 1.085 3.125% (0.035) 0.165
3.250% 1.380 1.580 3.000% 0.279 0.479
30 Yr Fixed 5/1 ARMRate 15 30 Rate 15 30
4.375% (0.749) (0.549) 3.375% 2.947 3.197
4.250% (0.291) (0.091) 3.250% 3.275 3.525
4.125% (0.273) (0.073) 3.125% 3.216 3.466
4.000% (0.380) (0.180) 3.000% 3.588 3.838
3.990% (0.300) (0.100) 2.875% 3.974 4.224
3.875% 0.028 0.228 2.750% 4.360 4.610
3.750% 0.447 0.647 2.625% 4.746 4.996
3.625% 0.340 0.540 2.500% 5.120 5.370
3.500% 0.756 0.956 2.375% 5.496 5.746
3.375% 1.193 1.393 2.250% 5.846 6.096
3.250% 1.659 1.859 #REF! #REF! #REF!
3.125% 2.401 2.601 #REF! #REF! #REF!
3.000% 3.186 3.386
Rate Sheet: Whls-1002
FNMA HOMEREADY
2.25 Margin, 2/2/5 Caps
High Balance 7/1 ARM
2.25 Margin, 2/2/5 Caps 2.25 Margin, 5/2/5 Caps
Agency TX Home Eq 30/25 Agency TX Home Eq 15
Base Pricing Assumes Borrower Paid Compensation
Wednesday, March 18, 2020
FNMA/FHLMC
AG
EN
CY
High Balance 30
2.25 Margin, 2/2/5 Caps 2.25 Margin, 5/2/5 Caps 2.25 Margin, 5/2/5 Caps
High Balance 15/10 High Balance 5/1 ARM
Page 2
1:29PM
Applicable to All Loan Amount Credit Score (Except Terms <=15 Yrs)** Loans $295k-Std Bal Limit (Agency Fxd,Agency No MI Fxd, HomeReady Fxd, TX Home Equity Fxd only) -0.200
** Loans $245k-$294,999 (Agency Fxd,Agency No MI Fxd, HomeReady Fxd, TX Home Equity Fxd 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 Fxd,Agency No MI Fxd, HomeReady Fxd, TX Home Equity Fxd only) -0.100 >=740 0.000 0.250 0.250 0.500 0.250 0.250 0.250 0.750
** Loans $75k-$99,999 0.250 720-739 0.000 0.250 0.500 0.750 0.500 0.500 0.500 1.000
** Loans $50k - $74,999 0.500 700-719 0.000 0.500 1.000 1.250 1.000 1.000 1.000 1.500
** Loans $30k-$49,999 1.250 680-699 0.000 0.500 1.250 1.750 1.500 1.250 1.250 1.500Property Type 660-679 0.000 1.000 2.250 2.750 2.750 2.250 2.250 2.250
* 2 Units 1.000 640-659 0.500 1.250 2.750 3.000 3.250 2.750 2.750 2.750
* 3-4 Units (Except;Super Conf) 1.000 620-639 0.500 1.500 3.000 3.000 3.250 3.250 3.250 3.500* 3-4 Units & LTV up to 80% (Super Conf only) 1.000
* 3-4 Units & LTV 80.01-85% (Super Conf only) 1.500 Credit Score (In addition to all other adj)
* 3-4 Units & LTV 85.01-limit (Super Conf only) 2.000 ** Fico Scores > = 740 (Agency Fxd,Agency No MI Fxd, HomeReady Fxd, TX Home Equity Fxd only) -0.100
* Attached Condo >75% LTV (applicable only to terms >15 yrs) 0.750 ** Fico Scores > = 700 (Agency High Balance & Agency High Bal No MI Fixed only) -0.100
Occupancy Subordinate Financing* N/O/O up to 75% LTV (Except Super Conf) 2.125
* N/O/O up to 75% LTV (Super Conf only) 2.125 LTV/FICO <=75% 75.01-80.00% 80.01-85.00% 85.01-90.00% 90.01-95.00% 95.01-97.00%
* N/O/O LTV 75.01% to 80% (Except Super Conf) 3.375 <=65% & FICO <720 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 <=65% & FICO >=720 0.375 0.375 0.625 0.625 0.625 1.875
* N/O/O LTV 80.01% to 85% 4.125 65.01-75% & FICO <720 0.375 0.375 1.125 1.125 1.125 1.875
* Second Home >85% LTV 0.250 0.375 0.375 0.875 0.875 0.875 1.875
Miscellaneous N/A 1.375 1.375 1.375 1.375 1.875
** Purchase Bonus (Agency Std & High Bal Fixed & Agency Std & High Bal No MI Fixed, HomeReady Fixed only) -0.600 N/A 1.125 1.125 1.125 1.125 1.875
** Escrow Waiver (CA Only) 0.000 Cash-out (Except TX Home Equity)
** Escrow Waiver (all other states) 0.000
* 7-10 Financed Properties (Applicable to N/O/O & 2nd home only) 0.250 FICO <=60.00% 60.01-70.00% 70.01-75.00% 75.01-80.00% 80.01-85.00%
* ARMs w/LTV 90.01-95% 0.250 >=740 0.375 0.625 0.625 0.875 n/a
** Down Payment Protection Feature (refer to Down Payment Protection Tab). 720-739 0.375 1.000 1.000 1.125 n/a
700-719 0.375 1.000 1.000 1.125 n/a
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/a* Purchase & Rate/Term Refi 0.250 Cash-out and Rate&Term (TX Home Equity only)
* Cash-out Refinance 1.000
* High Balance ARM <= 75% LTV 0.750 FICO <=60.00% 60.01-70.00% 70.01-75.00% 75.01-80.00%
* High Balance ARM > 75% LTV 1.500 >=740 0.375 0.625 0.625 0.875
** Agency High Bal & Agency High Bal No MI Fixed w/LTV <=80% -0.100 720-739 0.375 1.000 1.000 1.125
700-719 0.375 1.000 1.000 1.125
680-699 0.375 1.125 1.125 1.750
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)
(Agency No MI & Agency High Bal No MI)
FICO 80.01-85% 85.01-90% 90.01-95% FICO FICO FICO
>=800 0.310 0.670 1.010 >=800 0.250 >=800 0.000 >=800 0.000
780-799 0.310 0.680 1.040 780-799 0.300 780-799 0.000 780-799 0.000
760-779 0.310 0.720 1.050 760-779 0.300 760-779 0.000 760-779 0.000
740-759 0.330 0.860 1.430 740-759 0.300 740-759 0.000 740-759 0.000
720-739 0.890 1.220 1.890 720-739 0.500 720-739 0.000 720-739 0.000
700-719 0.920 1.290 2.710 700-719 0.700 700-719 0.550 700-719 0.000
680-699 0.940 1.290 2.710 680-699 0.700 680-699 0.550 680-699 0.120
660-679 1.100 1.420 3.790 660-679 1.230 660-679 1.050 660-679 0.120
640-659 1.100 1.560 3.990 640-659 1.230 640-659 1.050 640-659 0.130
620-639 1.100 1.850 4.590 620-639 1.300 620-639 1.100 620-639 0.170
FICO
>=800 0.240
780-799 0.240
760-779 0.240
740-759 0.240
720-739 0.350
700-719 0.420
680-699 0.550
660-679 0.690
640-659 0.830
620-639 0.920
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 FICO FICO
>=800 0.310 0.670 1.010 >=800 0.000 >=800 0.000 >=800 0.240
780-799 0.310 0.680 1.040 780-799 0.000 780-799 0.000 780-799 0.240
760-779 0.310 0.720 1.050 760-779 0.000 760-779 0.000 760-779 0.240
740-759 0.330 0.860 1.430 740-759 0.000 740-759 0.000 740-759 0.240
720-739 0.890 1.220 1.890 720-739 0.000 720-739 0.000 720-739 0.350
700-719 0.920 1.290 2.710 700-719 0.550 700-719 0.000 700-719 0.420
680-699 0.940 1.290 2.710 680-699 0.550 680-699 0.120 680-699 0.550
660-679 1.100 1.420 3.790 660-679 1.050 660-679 0.120 660-679 0.690
640-659 1.100 1.560 3.990 640-659 1.050 640-659 0.130 640-659 0.830
620-639 1.100 1.850 4.590 620-639 1.100 620-639 0.170 620-639 0.920
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-1002
4.850
5.090
HomeReady LLPA Caps
Maximum Rebate/Price Cap
1.790
2.530
2.530
2.890
2.890
4.650
95.01-97%
1.420
1.790
Applicable to R&T Refi's Applicable to One Borrower Applicable to DTI >45%LTV (%) (HomeReady No MI only) (HomeReady No MI only) (HomeReady No MI only)
2.550
3.200
3.210
5.050
5.250
5.550
95.01-97%
1.750
1.900
1.950
2.490
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 >$510,400LTV (%) LTV (%) (HomeReady No MI only)
7.050
Applicable to DTI >45%(Agency No MI & Agency High Bal No MI)
2.640
2.960
3.620
3.640
6.490
6.740
95.01-97%
1.550
1.830
1.840
Applicable to Second Homes Applicable to R&T Refi's Applicable to One BorrowerLTV (%) (Agency No MI & Agency High Bal No MI) (Agency No MI & Agency High Bal No MI)
3.100
3.900
3.960
6.900
7.090
7.450
95.01-97%
1.880
2.050
2.050
2.850
LTV (%)
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 >$510,400LTV (%) 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 (%)
Applicable to Agency High Bal
(In addition to all other adj)
Base Pricing Assumes Borrower Paid Compensation
Wednesday, March 18, 2020 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, FHLMC HomeOne
Applicable to All
LTV (%)
CLTV (%)
1:29PM 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
4.500% (1.340) (1.140) 4.750% (2.005) (1.805) 4.500% (2.989) (2.789) 4.500% (2.942) (2.742)
4.375% (0.999) (0.799) 4.625% (1.584) (1.384) 4.375% (2.170) (1.970) 4.375% (2.118) (1.918)
4.250% (0.541) (0.341) 4.500% (1.501) (1.301) 4.250% (2.336) (2.136) 4.250% (1.958) (1.758)
4.125% (0.764) (0.564) 4.375% (1.234) (1.034) 4.125% (2.065) (1.865) 4.125% (1.723) (1.523)
4.000% (0.591) (0.391) 4.250% (0.783) (0.583) 4.000% (1.758) (1.558) 4.000% (1.392) (1.192)
3.875% (0.124) 0.076 4.125% (1.519) (1.319) 3.875% (1.375) (1.175) 3.875% (1.076) (0.876)
3.750% 0.197 0.397 4.000% (1.229) (1.029) 3.750% (1.091) (0.891) 3.750% (0.789) (0.589)
3.625% 0.023 0.223 3.875% (0.800) (0.600) 3.625% (0.764) (0.564) 3.625% (0.871) (0.671)
3.500% 0.426 0.626 3.750% (0.423) (0.223) 3.500% (1.113) (0.913) 3.500% (1.091) (0.891)
3.375% 0.885 1.085 3.625% (0.116) 0.084 3.375% (0.765) (0.565) 3.375% (0.788) (0.588)
3.250% 1.380 1.580 3.500% 0.188 0.388 3.250% (0.428) (0.228) 3.250% (0.497) (0.297)
3.125% 2.471 2.671 3.375% 0.561 0.761 3.125% 0.082 0.282 3.125% 0.022 0.222
3.000% 3.199 3.399 3.250% 1.047 1.247 3.000% 0.395 0.595 3.000% 0.441 0.641
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
4.750% 0.633 0.883 4.750% 0.588 0.838 4.875% (0.792) (0.542) 4.375% (0.190) 0.010
4.625% 0.851 1.101 4.625% 0.129 0.379 4.750% (0.436) (0.186) 4.250% 0.154 0.354
4.500% 0.945 1.195 4.500% 0.109 0.359 4.625% 0.144 0.394 4.125% (0.852) (0.652)
4.375% 1.038 1.288 4.375% 0.088 0.338 4.500% 0.384 0.634 4.000% (0.328) (0.128)
4.250% 1.197 1.447 4.250% 0.355 0.605 4.375% 0.624 0.874 3.875% (0.248) (0.048)
4.125% 1.398 1.648 4.125% 0.816 1.066 4.250% 0.686 0.936 3.750% 0.453 0.653
4.000% (1.287) (1.037) 4.000% (1.220) (0.970) 4.125% 0.662 0.912 3.625% 0.063 0.263
3.875% (0.999) (0.749) 3.875% (0.846) (0.596) 4.000% (0.648) (0.398) 3.500% 0.321 0.521
3.750% (0.930) (0.680) 3.750% (0.684) (0.434) 3.875% (0.481) (0.231) 3.375% 0.687 0.887
3.625% (0.839) (0.589) 3.625% (0.517) (0.267) 3.750% (0.290) (0.040) 3.250% 1.798 1.998
3.500% (0.707) (0.457) 3.500% (0.401) (0.151) 3.625% (0.107) 0.143 3.125% 2.535 2.735
3.375% (0.579) (0.329) 3.375% (0.275) (0.025) 3.500% 0.023 0.273 3.000% 3.243 3.443
2.875% 4.002 4.202
Rate 15 30 Rate 15 30 Start Rate 15 30 Start Rate 15 30
4.500% (0.458) (0.258) 4.500% (1.352) (1.152) 4.375% 1.490 1.740 4.500% 0.573 0.823
4.490% (0.378) (0.178) 4.375% (0.533) (0.333) 4.250% 1.652 1.902 4.375% 0.554 0.804
4.375% (0.201) (0.001) 4.250% (1.764) (1.564) 4.125% 1.855 2.105 4.250% 0.822 1.072
4.250% 0.143 0.343 4.125% (1.540) (1.340) 4.000% 1.992 2.242 4.125% 1.315 1.565
4.125% (0.863) (0.663) 4.000% (1.222) (1.022) 3.875% 2.129 2.379 4.000% 1.478 1.728
4.000% (0.339) (0.139) 3.875% (0.721) (0.521) 3.750% 2.327 2.577 3.875% 1.642 1.892
3.875% (0.259) (0.059) 3.750% (0.345) (0.145) 3.625% 2.568 2.818 3.750% 1.952 2.202
3.750% 0.442 0.642 3.625% (0.081) 0.119 3.500% 2.737 2.987 3.625% 2.693 2.943
3.625% 0.052 0.252 3.500% (0.225) (0.025) 3.375% 2.909 3.159 3.500% 2.806 3.056
3.500% 0.310 0.510 3.375% 0.088 0.288 3.250% 2.959 3.209 3.375% 3.050 3.300
3.375% 0.676 0.876 3.250% 0.349 0.549 3.125% 2.953 3.203 3.250% 3.291 3.541
3.250% 1.836 2.036 3.125% 0.680 0.880 3.000% 3.055 3.305
3.125% 2.574 2.774 3.000% 1.064 1.264
Rate 15 30
4.625% (0.943) (0.743)
4.500% (0.677) (0.477)
4.375% (0.337) (0.137)
4.250% 0.059 0.259
4.125% (0.050) 0.150
4.000% (0.380) (0.180)
3.990% (0.300) (0.100)
3.875% 0.028 0.228
3.750% 0.469 0.669
3.625% 0.340 0.540
3.500% 0.643 0.843
3.375% 1.082 1.282
3.250% 1.475 1.675
Rate Sheet: Whls-1002
Home Possible No MI 30
2.25 Margin, 2/2/5 Caps 2.25 Margin, 5/2/5 Caps
FHLMC HOMEPOSSIBLEHome Possible 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, March 18, 2020
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
1:29PM
Applicable to All Loan Amount Credit Score (Except Terms <=15 Yrs)** Loans $295k-Std Bal Limit (Agency LP Fixed,Agency LP No MI,HomePossible Fixed only) -0.200
** Loans $245k-$294,999 (Agency LP Fixed,Agency LP No MI,HomePossible 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,HomePossible Fixed only) -0.100 >=740 0.000 0.250 0.250 0.500 0.250 0.250 0.250 0.750
** Loans $75k-$99,999 0.250 720-739 0.000 0.250 0.500 0.750 0.500 0.500 0.500 1.000
** Loans $50k - $74,999 0.500 700-719 0.000 0.500 1.000 1.250 1.000 1.000 1.000 1.500
** Loans $30k-$49,999 1.250 680-699 0.000 0.500 1.250 1.750 1.500 1.250 1.250 1.500Property Type 660-679 0.000 1.000 2.250 2.750 2.750 2.250 2.250 2.250
* 2 Units 1.000 640-659 0.500 1.250 2.750 3.000 3.250 2.750 2.750 2.750
* 3-4 Units LTV <= 80% 1.000 620-639 0.500 1.500 3.000 3.000 3.250 3.250 3.250 3.500
* 3-4 Units LTV 80.01%-85% 1.500 Credit Score * 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 ** Fico Scores > = 700 (FHLMC Super Conf Fixed only) -0.100
Occupancy Subordinate Financing
* N/O/O up to 75% LTV (Except Super Conf) 2.125
* N/O/O up to 75% LTV (Super Conf only) 2.125 <=75% 75.01-80.00% 80.01-85.00% 85.01-90.00% 90.01-95.00% 95.01-97.00%
* 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 0.375 0.375 0.625 0.625 0.625 1.875
* N/O/O LTV 80.01% to 85% 4.125 0.375 0.375 1.125 1.125 1.125 1.875
* Second Home w/LTV >85% 0.250 0.375 0.375 0.875 0.875 0.875 1.875
Miscellaneous N/A 1.375 1.375 1.375 1.375 1.875
** Purchase Bonus (Agency LP Fixed,Agency LP No MI,FHLMC Super Conf Fixed,HomePossible Fixed only) -0.600 N/A 1.125 1.125 1.125 1.125 1.875
** Escrow Waiver 0.000 0.500 0.500 0.500 0.500 0.500 0.500
** 7-10 Financed Properties (Applicable to N/O/O & 2nd home only) 0.250
** ARM's >90% LTV (except FHLMC Super Conf) 0.250 Cash-out** Down Payment Protection Feature (refer to Down Payment Protection Tab).
FICO <=60.00% 60.01-70.00% 70.01-75.00% 75.01-80.00%
* Purchase & Rate/Term Refi 0.250 >=740 0.375 0.625 0.625 0.875
* Cash-out Refinance 1.000 720-739 0.375 1.000 1.000 1.125
* High Balance ARM Purch, R/T, Cash-out <=75% LTV 0.750 700-719 0.375 1.000 1.000 1.125
* High Balance ARM Purch, R/T, Cash-out >75%-90% LTV 1.500 680-699 0.375 1.125 1.125 1.750* High Balance ARM Purch, R/T >90% LTV 1.750 660-679 0.625 1.125 1.125 1.875
* Fico Scores 680-739 0.125 640-659 1.500 2.250 2.250 3.250
* Fico Scores 620-679 0.250 620-639 1.500 2.250 2.250 3.750** FHLMC Super Conforming Fixed w/LTV <=80% -0.100
HomePossible LLPA Caps
LTV >80% & Fico >=680 0.000
All Other LTV & Fico 1.500
** These HomePossible LLPA's are NOT subject to the above LLPA Caps
Applicable to 30 Yr Term (Agency LP No MI & FHLMC Sup Conf 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 LP No MI & FHLMC Sup Conf No MI)
FICO 80.01-85% 85.01-90% 90.01-95% FICO FICO FICO
>=800 0.310 0.670 1.010 >=800 0.250 >=800 0.000 >=800 0.000
780-799 0.310 0.680 1.040 780-799 0.300 780-799 0.000 780-799 0.000
760-779 0.310 0.720 1.050 760-779 0.300 760-779 0.000 760-779 0.000
740-759 0.330 0.860 1.430 740-759 0.300 740-759 0.000 740-759 0.000
720-739 0.890 1.220 1.890 720-739 0.500 720-739 0.000 720-739 0.000
700-719 0.920 1.290 2.710 700-719 0.700 700-719 0.550 700-719 0.000
680-699 0.940 1.290 2.710 680-699 0.700 680-699 0.550 680-699 0.120
660-679 1.100 1.420 3.790 660-679 1.230 660-679 1.050 660-679 0.120
640-659 1.100 1.560 3.990 640-659 1.230 640-659 1.050 640-659 0.130
620-639 1.100 1.850 4.590 620-639 1.300 620-639 1.100 620-639 0.170
FICO
>=800 0.240
780-799 0.240
760-779 0.240
740-759 0.240
720-739 0.350
700-719 0.420
680-699 0.550
660-679 0.690
640-659 0.830
620-639 0.920
Applicable to 30 Yr Term (HomePossible No MI only)
FICO 80.01-85% 85.01-90% 90.01-95% FICO FICO
>=800 0.450 0.900 1.300 >=800 0.000 >=800 0.000
780-799 0.510 0.950 1.380 780-799 0.000 780-799 0.000
760-779 0.550 1.010 1.460 760-779 0.000 760-779 0.000
740-759 0.610 1.180 1.700 740-759 0.000 740-759 0.000
720-739 0.950 1.600 2.050 720-739 0.000 720-739 0.000
700-719 1.050 1.870 2.700 700-719 0.000 700-719 0.550
680-699 1.100 1.980 2.980 680-699 0.000 680-699 0.550
660-679 1.600 3.250 4.200 660-679 0.500 660-679 1.050
640-659 1.730 3.530 4.400 640-659 0.500 640-659 1.050
620-639 2.100 4.150 5.000 620-639 1.050 620-639 1.100
FICO FICO
>=800 0.000 >=800 0.240
780-799 0.000 780-799 0.240
760-779 0.000 760-779 0.240
740-759 0.000 740-759 0.240
720-739 0.000 720-739 0.350
700-719 0.000 700-719 0.420
680-699 0.120 680-699 0.550
660-679 0.120 660-679 0.690
640-659 0.130 640-659 0.830 All Fixed Rates 105.000620-639 0.170 620-639 0.920 All ARM Rates 103.750
Rate Sheet: Whls-1002
(HomePossible No MI only) (HomePossible No MI only)
Maximum Rebate/Price Cap
3.200
3.210
5.050
5.250
5.550
Applicable to One Borrower Applicable to DTI >45%
95.01-97%
1.750
1.900
1.950
2.490
2.550
**Applicable to Lender Paid HomePossible No MI Programs (In addition to all other LLPAs)Applicable to Loan Size >$510,400 Applicable to R&T Refi's
LTV (%) (HomePossible No MI only) (HomePossible No MI only)
3.640
6.490
6.740
7.050Applicable to DTI >45%(Agency LP No MI & FHLMC Sup Conf No MI)
1.550
1.830
1.840
2.640
2.960
3.620
Applicable to One BorrowerLTV (%) (Agency LP No MI & FHLMC Sup Conf No MI) (Agency LP No MI & FHLMC Sup Conf No MI) (Agency LP No MI & FHLMC Sup Conf No MI)
95.01-97%
3.960
6.900
7.090
7.450
Applicable to Second Homes Applicable to R&T Refi's
1.880
2.050
2.050
2.850
3.100
3.900
Applicable to 25 Yr Term (Agency LP No MI) Applicable to Loan Size >$510,400LTV (%) LTV (%) (Agency LP No MI & FHLMC Sup Conf No MI)
95.01-97%
75.01-95% & FICO >=720
***All Home Possible (above do not apply)
***Not applicable when using Affordable Second meeting Section 4204.2 reqmts.
LTV (%)
Applicable to FHLMC Super Conf ( in add to all other adj)
Applicable to Lender Paid Agency LP No MI & FHLMC Super Conforming No MI Programs (In addition to all other LLPAs)
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, March 18, 2020 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, FHLMC HomeOne Home Possible, Home Possible No MI, Home Possible Advantage, Home Possible Advantage No MI
Applicable to All
LTV (%)
CLTV (%)
1:29PM
Rate 15 30 Rate 15 30 Rate 15 30 Rate 15 30
4.750% (1.349) (1.149) 4.750% (1.599) (1.399) 3.750% (0.957) (0.707) 4.125% (1.608) (1.608)
4.625% (1.026) (0.826) 4.625% (1.253) (1.053) 3.625% (0.503) (0.253) 4.000% (1.394) (1.394)
4.500% (1.075) (0.875) 4.500% (1.094) (0.894) 3.500% (0.979) (0.729) 3.875% (0.942) (0.942)
4.375% (0.738) (0.538) 4.375% (1.545) (1.345) 3.375% (0.632) (0.382) 3.750% (0.765) (0.765)
4.250% (0.406) (0.206) 4.250% (1.239) (1.039) 3.250% (0.294) (0.044) 3.625% (0.598) (0.598)
4.125% (0.709) (0.509) 4.125% (1.269) (1.069) 3.125% 0.215 0.465 3.500% (0.958) (0.958)
4.000% (0.417) (0.217) 4.000% (0.979) (0.779) 3.000% 0.529 0.779 3.375% (0.819) (0.819)
3.990% (0.337) (0.137) 3.875% (0.610) (0.410) 2.875% 0.855 1.105 3.250% (0.571) (0.571)
3.875% (0.075) 0.125 3.750% (0.436) (0.236) 2.750% 1.226 1.476 3.125% 0.119 0.119
3.750% 0.367 0.567 3.625% 0.134 0.334 2.625% 2.045 2.295 3.000% 0.495 0.495
3.625% 0.273 0.473 3.500% 0.438 0.638 2.500% 2.524 2.774 2.875% 0.886 0.886
3.500% 0.676 0.876 3.375% 0.811 1.011 2.375% 3.212 3.462 2.750% 1.201 1.201
3.375% 1.135 1.335 3.250% 1.297 1.497 2.250% 3.745 3.995 2.625% 1.989 1.989
3.250% 1.630 1.830
3.125% 2.534 2.734
3.000% 3.321 3.521
2.875% 4.142 4.342
2.750% 4.996 5.196
Start Rate 15 30 Start Rate 15 30 Rate 15 30 Rate 15 30
4.750% (3.056) (2.806) 4.750% (3.796) (3.546) 4.750% (0.540) (0.340) 4.250% 0.393 0.593
4.625% (2.259) (2.009) 4.625% (2.989) (2.739) 4.625% (0.443) (0.243) 4.125% (0.613) (0.413)
4.500% (2.336) (2.086) 4.500% (3.025) (2.775) 4.500% (0.208) (0.008) 4.000% (0.089) 0.111
4.375% (2.424) (2.174) 4.375% (3.049) (2.799) 4.375% 0.049 0.249 3.875% (0.009) 0.191
4.250% (2.450) (2.200) 4.250% (3.011) (2.761) 4.250% 0.393 0.593 3.750% 0.692 0.892
4.125% (1.413) (1.163) 4.125% (1.419) (1.169) 4.125% (0.613) (0.413) 3.625% 0.302 0.502
4.000% (1.376) (1.126) 4.000% (1.313) (1.063) 4.000% (0.089) 0.111 3.500% 0.560 0.760
3.875% (1.565) (1.315) 3.875% (1.702) (1.452) 3.875% (0.009) 0.191 3.375% 0.926 1.126
3.750% (1.395) (1.145) 3.750% (1.488) (1.238) 3.750% 0.692 0.892 3.250% 2.036 2.236
3.625% (1.333) (1.083) 3.625% (1.524) (1.274) 3.625% 0.302 0.502 3.125% 2.774 2.974
3.500% (1.102) (0.852) 3.500% (1.227) (0.977) 3.500% 0.560 0.760 3.000% 3.482 3.682
3.375% (1.051) (0.801) 3.375% (0.433) (0.183) 3.375% 0.926 1.126 2.875% 4.241 4.441
3.250% (0.772) (0.522) 3.250% (0.206) 0.044 3.250% 2.036 2.236 2.750% #VALUE! #VALUE!
3.125% 2.774 2.974
3.000% 3.482 3.682
2.875% 4.241 4.441
2.750% 5.546 5.746
Rate 15 30 Rate 15 30 Start Rate 15 30 Start Rate 15 30
4.500% (2.181) (1.981) 4.500% (2.181) (1.931) 4.000% (1.243) (0.993) 4.000% (1.338) (1.088)
4.375% (1.301) (1.101) 4.375% (1.301) (1.051) 3.875% (1.131) (0.881) 3.875% (1.206) (0.956)
4.250% (0.983) (0.783) 4.250% (0.983) (0.733) 3.750% (1.019) (0.769) 3.750% (1.076) (0.826)
4.125% (0.544) (0.344) 4.125% (0.544) (0.294) 3.625% (0.896) (0.646) 3.625% (0.934) (0.684)
4.000% (0.262) (0.062) 4.000% (0.262) (0.012) 3.500% (0.696) (0.446) 3.500% (0.697) (0.447)
3.875% 0.155 0.355 3.875% 0.155 0.405 3.375% (0.498) (0.248) 3.375% (0.461) (0.211)
3.750% 0.013 0.213 3.750% 0.013 0.263 3.250% (0.303) (0.053) 3.250% (0.229) 0.021
3.625% 0.233 0.433 3.625% 0.233 0.483 3.125% (0.098) 0.152 3.125% 0.010 0.260
3.500% 0.494 0.694 3.500% 0.494 0.744 3.000% 0.189 0.439 3.000% (0.669) (0.419)
3.375% 0.868 1.068 3.375% 0.868 1.118 2.875% 0.421 0.671 2.875% (0.343) (0.093)
3.250% 1.253 1.453 3.250% 1.253 1.503 2.750% (0.964) (0.714) 2.750% (0.017) 0.233
3.125% 1.591 1.791 3.125% 1.591 1.841 2.625% (0.685) (0.435) 2.625% 1.082 1.332
3.000% 1.920 2.120 3.000% 1.920 2.170
Rate Sheet: Whls-1002
2.25 Margin, 2/2/5 Caps 2.25 Margin, 5/2/5 Caps
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 30/25 Yr Fixed 20 Yr Fixed
Base Pricing Assumes Borrower Paid Compensation
Wednesday, March 18, 2020 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
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30/25 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) -0.200
* 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 $75k-$99,999 0.250 720-739 0.000 0.250 0.500 0.750 0.500 0.500 0.500 1.000
* Loans $50k - $74,999 0.500 700-719 0.000 0.500 1.000 1.250 1.000 1.000 1.000 1.500
* Loans $30k-$49,999 1.250 680-699 0.000 0.500 1.250 1.750 1.500 1.250 1.250 1.500
Property Type 660-679 0.000 1.000 2.250 2.750 2.750 2.250 2.250 2.250
* 2-4 Units 1.000 640-659 0.500 1.250 2.750 3.000 3.250 2.750 2.750 2.750* Attached Condo >75% LTV (applicable only to terms >15 yrs) 0.750 620-639 0.500 1.500 3.000 3.000 3.250 3.250 3.250 3.500
* Manufactured Home 1.000<620 (non-Trad Credit only)0.500 1.500 3.000 3.000 3.250 3.250 3.250 3.750Occupancy* N/O/O up to 75% LTV 2.125 ** Fico Scores > = 740 (Agency DU Portfolio & Agency DU Portfolio No MI Fixed only) -0.100
* N/O/O 75.01-80% LTV 3.375 ** Fico Scores > = 700 (Agency DU Portfolio High Bal & Agency DU Portfolio High Bal No MI Fixed only) -0.100* N/O/O 80.01-85% LTV 4.125
* Second Home >85% LTV 0.250Miscellaneous <=75% 75.01-80.00% 80.01-85.00% 85.01-90.00% 90.01-95.00% 95.01-97.01
* Purchase Bonus (Agency DU Portfolio Std Bal & High Bal Fixed & Agency DU Portfolio Std Bal & High Bal No MI Fixed only) -0.600 0.375 0.375 0.875 0.875 0.875 1.875
* Escrow Waiver (CA Only) 0.000 0.375 0.375 0.625 0.625 0.625 1.875
* Escrow Waiver (all other states) 0.000 0.375 0.375 1.125 1.125 1.125 1.875* 7-10 Financed Properties (Applicable to N/O/O & 2nd home only) 0.250 0.375 0.375 0.875 0.875 0.875 1.875
* ARMs w/LTV 90.01-95% 0.250 N/A 1.375 1.375 1.375 1.375 1.875
** Down Payment Protection Feature (refer to Down Payment Protection Tab). N/A 1.125 1.125 1.125 1.125 1.875
FICO <=60.00% 60.01-70.00% 70.01-75.00% 75.01-80.00% 80.01-85.00%
Applicable to High Bal only >=740 0.375 0.625 0.625 0.875 n/a
Loan Purpose 720-739 0.375 1.000 1.000 1.125 n/a
* Purchase & Rate/Term Refi 0.250 700-719 0.375 1.000 1.000 1.125 n/a
* Cash-out Refi 1.000 680-699 0.375 1.125 1.125 1.750 n/a
** Agency DU Portfoilo High Bal Fixed w/LTV <=80% -0.100 660-679 0.875 1.375 1.375 2.125 n/a
Miscellaneous 640-659 1.625 2.625 2.625 3.625 n/a
* High Balance ARM LTV <=75% 0.750 620-639 1.625 2.625 2.625 4.125 n/a
* High Balance ARM LTV >75% 1.500
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 0.500640-659 1.730 3.530 5.120 640-659 1.340 3.140 4.730 6.700 640-659 0.500620-639 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)
FICO 80.01-85% 85.01-90% 90.01-95% FICO FICO FICO
>=800 0.310 0.670 1.010 >=800 0.250 >=800 0.000 >=800 0.000
780-799 0.310 0.680 1.040 780-799 0.300 780-799 0.000 780-799 0.000
760-779 0.310 0.720 1.050 760-779 0.300 760-779 0.000 760-779 0.000
740-759 0.330 0.860 1.430 740-759 0.300 740-759 0.000 740-759 0.000
720-739 0.890 1.220 1.890 720-739 0.500 720-739 0.000 720-739 0.000
700-719 0.920 1.290 2.710 700-719 0.700 700-719 0.550 700-719 0.000
680-699 0.940 1.290 2.710 680-699 0.700 680-699 0.550 680-699 0.120
660-679 1.100 1.420 3.790 660-679 1.230 660-679 1.050 660-679 0.120640-659 1.100 1.560 3.990 640-659 1.230 640-659 1.050 640-659 0.130620-639 1.100 1.850 4.590 620-639 1.300 620-639 1.100 620-639 0.170
FICO>=800 0.240
780-799 0.240760-779 0.240740-759 0.240
720-739 0.350 Maximum Rebate/Price Cap700-719 0.420 Portfolio Fixed 105.000
680-699 0.550 Portfolio High Balance Fixed 105.000
660-679 0.690 Portfolio No MI Fixed 105.000
640-659 0.830 Portfolio No MI High Balance Fixed 105.000
620-639 0.920 Portfolio ARMs 103.750
Rate Sheet: Whls-1002
6.7407.050
Applicable to DTI >45%(Portfolio No MI & Portfolio High Bal No MI)
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.
1.840
2.640
2.960
3.620
3.640
6.490
95.01-97%
1.550
1.830
Applicable to R&T Refi's Applicable to One BorrowerLTV (%) (Portfolio No MI & Portfolio High Bal No MI) (Portfolio No MI & Portfolio High Bal No MI) (Portfolio No MI & Portfolio High Bal No MI)
3.900
3.960
6.9007.0907.450
Applicable to Second Homes
95.01-97%
1.880
2.050
2.050
2.850
3.100
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 >$510,400LTV (%) LTV (%) (Portfolio No MI & Portfolio High Bal No MI)
65.01-75% & FICO <720
65.01-75% & FICO>=720
75.01-95% & FICO <720
75.01-95% & FICO >=720
Cash-out LTV (%)
Credit Score
Subordinate FinancingCLTV (%)
LTV/FICO
<=65% & FICO <720
<=65% & FICO >=720
Base Pricing Assumes Borrower Paid Compensation
Wednesday, March 18, 2020 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
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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
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30/25 Yr Fixed 15 Yr Fixed 5/1 ARMRate 15 30 Rate 15 30 Start Rate 15 30 Rate 15 30
5.375% (2.374) (2.174) 4.625% (4.226) (4.026) 4.500% (1.520) (1.270) 4.750% 0.532 0.732
5.250% (2.187) (1.987) 4.500% (3.751) (3.551) 4.375% (1.283) (1.033) 4.625% 0.641 0.841
5.125% (2.413) (2.213) 4.375% (2.619) (2.419) 4.250% (1.039) (0.789) 4.500% 0.721 0.921
5.000% (1.914) (1.714) 4.250% (2.144) (1.944) 4.125% (0.899) (0.649) 4.375% 1.098 1.298
4.990% (1.834) (1.634) 4.125% (2.985) (2.785) 4.000% (0.682) (0.432) 4.250% 0.732 0.932
4.875% (1.622) (1.422) 4.000% (2.507) (2.307) 3.875% (0.426) (0.176) 4.125% (0.479) (0.279)
4.750% (1.146) (0.946) 3.875% (2.518) (2.318) 3.750% (2.117) (1.867) 4.000% (0.313) (0.113)
4.625% (1.943) (1.743) 3.750% (2.207) (2.007) 3.625% (0.898) (0.648) 3.990% (0.233) (0.033)
4.500% (1.888) (1.688) 3.625% (1.764) (1.564) 3.500% (0.656) (0.406) 3.875% (0.111) 0.089
4.375% (1.576) (1.376) 3.500% (1.435) (1.235) 3.375% (0.406) (0.156) 3.750% 0.118 0.318
4.250% (1.697) (1.497) 3.375% (0.929) (0.729) 3.250% (0.139) 0.111 3.625% (0.234) (0.034)
4.125% (1.280) (1.080) 3.250% (0.380) (0.180) 3.500% (0.015) 0.185
4.000% (1.022) (0.822) 3.125% (1.050) (0.850) 3.375% 0.174 0.374
3.990% (0.942) (0.742) 3.250% 0.567 0.767
3.875% (0.576) (0.376) 3.125% 0.625 0.825
3.750% (1.040) (0.840) 3.000% 0.956 1.156
3.625% (1.474) (1.274) 2.875% 1.354 1.554
3.500% (1.221) (1.021) 2.750% 1.816 2.016
3.375% (1.297) (1.097)
3.250% (0.859) (0.659)
3.125% 0.061 0.261
3.000% 0.321 0.521
2.875% 0.558 0.758
2.750% 0.805 1.005
High Balance 5/1 ARMStart Rate 15 30 Rate 15 30 Rate 15 30 Rate 15 30
4.500% (1.541) (1.291) 4.250% (1.572) (1.372) 4.375% (1.294) (1.094) 4.250% 0.857 1.057
4.375% (1.354) (1.104) 4.125% (1.155) (0.955) 4.250% (0.819) (0.619) 4.125% (0.354) (0.154)
4.250% (1.160) (0.910) 4.000% (0.897) (0.697) 4.125% (1.660) (1.460) 4.000% (0.188) 0.012
4.125% (0.862) (0.612) 3.990% (0.817) (0.617) 4.000% (1.182) (0.982) 3.875% 0.014 0.214
4.000% (0.701) (0.451) 3.875% (0.451) (0.251) 3.875% (1.193) (0.993) 3.750% 0.243 0.443
3.875% (0.496) (0.246) 3.750% (0.915) (0.715) 3.750% (0.882) (0.682) 3.625% (0.109) 0.091
3.750% (2.906) (2.656) 3.625% (1.349) (1.149) 3.625% (0.439) (0.239) 3.500% 0.110 0.310
3.625% (1.686) (1.436) 3.500% (1.096) (0.896) 3.500% (0.110) 0.090 3.375% 0.299 0.499
3.500% (1.445) (1.195) 3.375% (1.172) (0.972) 3.375% 0.396 0.596 3.250% 0.692 0.892
3.375% (1.194) (0.944) 3.250% (0.734) (0.534) 3.250% 0.945 1.145 3.125% 0.750 0.950
3.250% (0.928) (0.678) 3.125% 0.186 0.386 3.125% 0.275 0.475 3.000% 1.081 1.281
3.000% 0.446 0.646 2.875% 1.479 1.679
2.875% 0.683 0.883 2.750% 1.941 2.141
VA 30 Yr Fixed VA 15 Yr FixedRate 15 30 Rate 15 30 Start Rate 15 30 Rate 15 30
5.375% (2.374) (2.174) 4.500% (3.236) (2.986) 4.500% (2.805) (2.555) 4.625% 0.941 1.141
5.250% (2.187) (1.987) 4.375% (2.182) (1.932) 4.375% (2.463) (2.213) 4.500% 1.021 1.221
5.125% (2.413) (2.213) 4.250% (2.046) (1.796) 4.250% (2.127) (1.877) 4.375% 1.398 1.598
5.000% (1.914) (1.714) 4.125% (2.396) (2.146) 4.125% (2.737) (2.487) 4.250% 1.032 1.232
4.875% (1.622) (1.422) 4.000% (2.179) (1.929) 4.000% (2.402) (2.152) 4.125% (0.179) 0.021
4.750% (1.146) (0.946) 3.875% (2.064) (1.814) 3.875% (2.072) (1.822) 4.000% (0.013) 0.187
4.625% (1.943) (1.743) 3.750% (1.739) (1.489) 3.750% (2.677) (2.427) 3.875% 0.189 0.389
4.500% (1.888) (1.688) 3.625% (1.233) (0.983) 3.625% (2.059) (1.809) 3.750% 0.418 0.618
4.375% (1.576) (1.376) 3.500% (0.940) (0.690) 3.500% (1.744) (1.494) 3.625% 0.066 0.266
4.250% (1.697) (1.497) 3.375% (0.700) (0.450) 3.375% (1.423) (1.173) 3.500% 0.285 0.485
4.125% (1.280) (1.080) 3.250% (0.432) (0.182) 3.250% (1.093) (0.843) 3.375% 0.474 0.674
4.000% (1.022) (0.822) 3.125% (0.722) (0.472) 3.125% (1.324) (1.074) 3.250% 0.867 1.067
3.875% (0.576) (0.376) 3.000% (0.396) (0.146) 3.000% (1.082) (0.832) 3.125% 0.925 1.125
3.750% (1.040) (0.840) 2.875% (0.822) (0.572) 3.000% 1.256 1.456
3.625% (1.474) (1.274) 2.750% (0.540) (0.290) 2.875% 1.654 1.854
3.500% (1.221) (1.021) 2.750% 2.116 2.316
3.375% (1.297) (1.097)
3.250% (0.859) (0.659)
3.125% 0.061 0.261
3.000% 0.321 0.521
2.875% 0.558 0.758
2.750% 0.805 1.005 2.00 Margin, 1/1/5 Caps
Rate 15 30 Rate 15 30 Rate 15 30 Rate 15 30
4.250% (1.722) (1.522) 4.250% (1.121) (0.921) 4.250% 1.157 1.357 4.250% (3.056) (2.856)
4.125% (1.305) (1.105) 4.125% (1.415) (1.215) 4.125% (0.054) 0.146 4.125% (3.023) (2.823)
4.000% (1.047) (0.847) 4.000% (1.254) (1.054) 4.000% 0.112 0.312 4.000% (2.498) (2.298)
3.875% (0.601) (0.401) 3.875% (1.139) (0.939) 3.875% 0.314 0.514 3.875% (1.663) (1.463)
3.750% (1.065) (0.865) 3.750% (0.814) (0.614) 3.750% 0.543 0.743 3.750% (2.289) (2.089)
3.625% (1.499) (1.299) 3.625% (0.308) (0.108) 3.625% 0.191 0.391 3.625% (2.286) (2.086)
3.500% (1.246) (1.046) 3.500% (0.015) 0.185 3.500% 0.410 0.610 3.500% (1.857) (1.657)
3.375% (1.322) (1.122) 3.375% 0.225 0.425 3.375% 0.599 0.799 3.375% (1.374) (1.174)
3.250% (0.884) (0.684) 3.250% 0.493 0.693 3.250% 0.992 1.192 3.250% (1.327) (1.127)
3.125% 0.036 0.236 3.125% 0.203 0.403 3.125% 1.050 1.250 3.125% (0.616) (0.416)
3.000% 0.296 0.496 3.000% 0.529 0.729 3.000% 1.381 1.581 3.000% (0.075) 0.125
2.875% 0.533 0.733 2.875% 0.821 1.021 2.875% 1.779 1.979
2.750% 0.780 0.980 2.750% 1.251 1.451 2.750% 2.241 2.441
Loan Amount FICO* Loans $250k-Std Bal Limit -0.200 * Fico Scores 720+ -0.250
* Loans $175k-$249,999 -0.100 * Fico Scores 680-719 -0.125
* Loans $75k-$99,999 0.250 * Fico Scores 640 - 679 (VA IRRRL High Bal only) 0.625
* Loans $50k-$74,999 0.750 * Fico Scores 640 - 679 (FHA Std Bal Streamline Only) 0.250
* Loans $30k-$49,999 2.000 * Fico Scores 660 - 679 (all; except FHA Std Bal Strmln & VA IRRRL HB) 0.125
* Loans < $30,000 Contact Secondary * Fico Scores 640 - 659 (all; except FHA Std Bal Strmln & VA IRRRL HB) 0.500
* Loans $1M-$1.5m (VA High Bal only) 0.500 * Fico Scores 620 - 639 1.375
* Loans >=$1m (VA IRRRL High Bal only) 0.625 * Fico Scores 600 - 619 1.875
* Fico Scores 580 - 599 2.625
* No FICO Score (Non-Traditional Credit only) 2.625LTV * Fico Scores 550 - 579 3.375
* Streamline CLTV 100.01-125% 0.250
* VA IRRRL & VA IRRRL High Bal w/LTV >100-105% 0.250
* VA IRRRL & VA IRRRL High Bal w/LTV >105% 0.500* VA/VA High Bal Cash-out w/LTV >90% 3.500
Miscellaneous Occupancy * Purchase Bonus (FHA & VA , Fixed only, Std Bal & High Bal) -0.600
* Non Owner Occupied 1.000 * Down Payment Asst Prgrms (FHA High Bal only) 0.375
Maximum Rebate/Price Cap * FHA Manufactured Home 1.250
All Fixed Rates 105.000 * USDA/VA Manufactured Home 1.000
All ARM Rates 103.750 ** Down Payment Protection Feature (refer to Down Payment Protection Tab).
Government Price Adjustments
VA IRRRL - 30/25 VA IRRRL - 15 VA IRRRL High Bal - 30 USDA - 30 Yr
2.00 Margin, 1/1/5 Caps
VA/USDAVA 5/1 ARM VA High Balance - 30
Base Pricing Assumes Borrower Paid Compensation
Wednesday, March 18, 2020 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)
FHAG
OV
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NM
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High Balance - 30/25/20
2.00 Margin, 1/1/5 Caps
Streamline 30 Streamline 15 Streamline HB - 30
Page 8
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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-1002
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, March 18, 2020 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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1:29PM
Diamond 30 Yr Fixed Diamond 15 Yr Fixed Diamond 5/1 ARM Diamond 7/1 ARMRate 30 45 Rate 30 45 Start Rate 30 45 Start Rate 30 45
5.875% 1.353 1.603 5.625% (2.344) (2.094) 4.500% #VALUE! #VALUE! 4.500% 4.533 4.783
5.750% 1.528 1.778 5.500% (2.078) (1.828) 4.375% 3.877 4.127 4.375% 4.814 5.064
5.625% 1.701 1.951 5.375% (1.812) (1.562) 4.250% 4.189 4.439 4.250% 5.095 5.345
5.500% 1.873 2.123 5.250% (1.547) (1.297) 4.125% 4.502 4.752 4.125% 5.376 5.626
5.375% 2.043 2.293 5.125% (1.281) (1.031) 4.000% 4.814 5.064 4.000% 5.658 5.908
5.250% 2.212 2.462 5.000% (1.016) (0.766) 3.875% 5.127 5.377 3.875% 5.939 6.189
5.125% 2.379 2.629 4.875% (0.750) (0.500) 3.750% 5.439 5.689 3.750% 6.220 6.470
5.000% 2.544 2.794 4.750% (0.484) (0.234) 3.625% 5.752 6.002 3.625% 6.501 6.751
4.875% 2.708 2.958 4.625% (0.219) 0.031 3.500% 6.064 6.314 3.500% 6.783 7.033
4.750% 2.621 2.871 4.500% 0.047 0.297 3.375% 6.423 6.673
4.625% 2.656 2.906 4.375% 0.313 0.563
4.500% 2.773 3.023 4.250% 0.578 0.828
4.375% 2.938 3.188 4.125% 0.844 1.094
Rate 15 30 Rate 15 30 Start Rate 15 30 Start Rate 15 30
4.875% (1.514) (1.264) 4.500% (2.550) (2.300) 4.500% (1.835) (1.585) 4.500% (1.618) (1.368)
4.750% (1.235) (0.985) 4.375% (2.395) (2.145) 4.375% (1.565) (1.315) 4.375% (1.327) (1.077)
4.625% (1.024) (0.774) 4.250% (2.116) (1.866) 4.250% (1.294) (1.044) 4.250% (1.043) (0.793)
4.500% (0.964) (0.714) 4.125% (1.808) (1.558) 4.125% (1.026) (0.776) 4.125% (0.758) (0.508)
4.375% (0.783) (0.533) 4.000% (1.676) (1.426) 4.000% (0.754) (0.504) 4.000% (0.474) (0.224)
4.250% (0.496) (0.246) 3.875% (1.337) (1.087) 3.875% (0.335) (0.085) 3.875% (0.188) 0.062
4.125% (0.335) (0.085) 3.750% (0.964) (0.714) 3.750% 0.086 0.336 3.750% 0.130 0.380
4.000% (0.226) 0.024 3.625% (0.548) (0.298) 3.625% 0.230 0.480 3.625% 0.731 0.981
3.875% (0.194) 0.056 3.500% (0.064) 0.186 3.500% 0.654 0.904 3.500% 1.085 1.335
3.750% (0.078) 0.172 3.375% 0.342 0.592 3.375% 1.083 1.333 3.375% 1.463 1.713
3.625% (0.022) 0.228 3.250% 0.806 1.056 3.250% 1.473 1.723 3.250% 1.871 2.121
3.500% 0.238 0.488
3.375% 0.431 0.681
Rate 15 30 Rate 15 30 Start Rate 15 30 Start Rate 15 30
4.250% (1.538) (1.288) 4.250% (1.551) (1.301) 4.250% (1.288) (1.038) 4.250% (1.135) (0.885)
4.125% (1.290) (1.040) 4.125% (1.250) (1.000) 4.125% (0.966) (0.716) 4.125% (0.937) (0.687)
4.000% (0.989) (0.739) 4.000% (0.893) (0.643) 4.000% (0.614) (0.364) 4.000% (0.661) (0.411)
3.875% (0.648) (0.398) 3.875% (0.495) (0.245) 3.875% (0.242) 0.008 3.875% (0.322) (0.072)
3.750% (0.278) (0.028) 3.750% (0.072) 0.178 3.750% 0.142 0.392 3.750% 0.063 0.313
3.625% 0.107 0.357 3.625% 0.361 0.611 3.625% 0.527 0.777 3.625% 0.480 0.730
3.500% 0.508 0.758 3.500% 0.793 1.043 3.500% 0.937 1.187 3.500% 0.912 1.162
3.375% 0.933 1.183 3.375% 1.238 1.488 3.375% 1.382 1.632 3.375% 1.368 1.618
3.250% 1.389 1.639 3.250% 1.707 1.957 3.250% 1.871 2.121 3.250% 1.855 2.105
3.125% 1.883 2.133 3.125% 2.215 2.465 3.125% 2.412 2.662 3.125% 2.381 2.631
Rate Sheet: Whls-1002
2.50 Margin, 5/2/5 Caps 2.50 Margin, 5/2/5 Caps
2.25 Margin, 2/2/5 Caps 2.25 Margin, 2/2/5 Caps
PLATINUM JUMBOPlatinum 30 Yr Fixed Platinum 15 Yr Fixed Platinum 5/1 ARM Platinum 7/1 ARM
Base Pricing Assumes Borrower Paid Compensation
Wednesday, March 18, 2020 Wholesale Rates effective until 3:30 pm PDT (In an occurrence of a Price Change, Notification will be sent)
DIAMOND JUMBO
GE
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RUBY JUMBORuby 30 Yr Fixed Ruby 15 Yr Fixed Ruby 5/1 ARM Ruby 7/1 ARM
Page 10
1:29PM
Lnamt <=60.00% 60.01-65.00%65.01-70.00%70.01-75.00% 75.01-80.00% 80.01-85%* 85.01-90%*
<=$1M -0.250 -0.125 0.000 0.000 0.000 0.000
>1M -1.5M -0.125 0.000 0.000 0.000 0.000 0.000
>1.5M-2.0M 0.000 0.000 0.000 0.125 0.500 0.500
>2m-2.5m 0.000 0.000
FICO <=60.00% 60.01-65.00%65.01-70.00%70.01-75.00% 80.01-85%* 85.01-90%*
>=800 -0.500 -0.500 -0.250 -0.250 0.125 0.625
780-799 -0.500 -0.375 -0.250 -0.125 0.125 0.625
760-779 -0.375 -0.250 -0.125 0.000 0.250 0.750
740-759 -0.250 -0.125 0.000 0.125 0.500 0.750
720-739 -0.250 -0.125 0.125 0.250 N/A N/A
700-719 -0.125 0.000 0.250 0.500 N/A N/A
State <=60.00% 60.01-65.00%65.01-70.00%70.01-75.00% 80.01-85%* 85.01-90%*
FL, NV-Fixed 0.000 0.000 0.000 0.000 0.375 0.375
FL, NV-ARM 0.000 0.000 0.000 0.375 N/A N/A
CA- Fixed 0.125 0.125 0.125 0.250 0.375 0.375
CA-ARM 0.000 0.125 0.125 0.125 N/A N/A
<=60.00% 60.01-65.00%65.01-70.00%70.01-75.00% 80.01-85%* 85.01-90%*
Purchase -0.125 0.000 0.000 0.000 0.000 0.000
Cash Out 0.250 0.500 0.750 1.000 N/A N/A
2 Units 0.250 0.375 0.500 0.750 N/A N/A
3-4 units 0.375 0.500 0.625 N/A N/A N/A
2nd Home 0.000 0.000 0.125 0.125 0.750 1.000
Investment 1.000 1.250 1.500 N/A N/A N/A
Escrow Waiver 0.125 0.125 0.125 0.125 0.125 0.125
*>80 LTV/CLTV limited to 30 Yr Fixed rate only
(Price cap is after all LLPAs but before Lender Paid Comp)
Term <=$1.0M > $1.0M
30YR 102.450 101.950
15YR 101.950 101.700
5/1 Arm 101.325 101.200
7/1 Arm 101.325 101.200
FICO <=55% 55.01-60% 60.01-65% 65.01-70% 70.01-75% 80.01-85% 85.01-90%
680-699 -0.375 -0.250 -0.125 0.000 0.500 n/a n/a
700-719 -0.375 -0.250 -0.125 0.000 0.250 1.000 1.000
720-739 -0.500 -0.375 -0.250 -0.250 0.000 0.750 0.750
740-759 -0.500 -0.375 -0.250 -0.250 0.000 0.500 0.500
760-779 -0.500 -0.375 -0.375 -0.375 -0.125 0.250 0.250
780-850 -0.500 -0.500 -0.500 -0.375 -0.250 0.125 0.125
Purpose <=55% 55.01-60% 60.01-65% 65.01-70% 70.01-75% 80.01-85% 85.01-90%
Cash-out Refi 0.000 0.000 0.250 0.500 0.875 n/a n/a
Purchase -0.375 -0.375 -0.250 -0.250 -0.250 -0.500 -0.500
Other <=55% 55.01-60% 60.01-65% 65.01-70% 70.01-75% 80.01-85% 85.01-90%
Interest Only 0.500 0.500 1.000 1.000 1.500 n/a n/a
Investor 0.000 0.000 0.250 0.375 0.500 n/a n/a
>80 LTV NO MI n/a n/a n/a n/a n/a 0.375 0.625
(Price cap is after all LLPAs but before Lender Paid Comp)
Term Price Cap
30YR 102.550
15YR 102.550
5/1 Arm 102.550
7/1 Arm 102.55010/1 Arm 102.550
Rate Sheet: Whls-1002
LTV/CLTV (%)
75.01-80%
n/a
n/a
n/a
Maximum Rebate/Price Cap
PURPOSE/CLTVLTV/CLTV (%)
75.01-80%
n/a
-0.250
OTHER/CLTV
0.875
0.625
0.500
0.250
0.125
0.000
Loan Amount
Ruby Jumbo Price Adjustments
Applicable to All FICO/CLTV
LTV/CLTV (%)
75.01-80%
1.000
N/A
0.500
N/A
0.125
Maximum Rebate/Price Cap
0.250
Purpose/Property AdjustmentsLTV/CLTV (%)
75.01-80.00%
0.000
1.750
State AdjustorsLTV/CLTV (%)
75.01-80.00%
0.375
0.750
0.375
-0.125
0.000
0.250
0.375
0.625
1.000
0.000
0.500
FICO / LTV / CLTVLTV/CLTV (%)
75.01-80.00%
Base Pricing Assumes Borrower Paid Compensation
Wednesday, March 18, 2020 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 Loan Amount / LTV / CLTV
LTV/CLTV (%)
0.000
Page 11
1:29PM
Applicable to Fixed Rate Loans Purchase and R/T refinanceCredit Score
LTV/CLTV (%)FICO <=50.00% 50.01-55% 55.01-60% 60.01-65% 65.01-70.00%70.01-75.00%75.01-80.00%
>-800 -0.1250 -0.0625 -0.0625 -0.0625 0.0625 0.1875 0.3750
780-799 -0.1250 -0.0625 -0.0625 0.0000 0.1250 0.2500 0.4375
760-779 -0.0625 -0.0625 -0.0625 0.0000 0.1250 0.3125 0.6250
740-759 -0.0625 -0.0625 0.0000 0.0625 0.2500 0.4375 0.7500
720-739 -0.0625 0.0000 0.0625 0.0625 0.3125 0.5000 0.9375
700-719 -0.0625 0.0625 0.1250 0.1875 0.4375 0.7500 1.3750
680-699 0.0000 0.1250 0.1875 0.2500 n/a n/a n/aMiscellaneous
<=50.00% 50.01-55% 55.01-60% 60.01-65% 65.01-70.00%70.01-75.00%75.01-80.00%
2nd home 0.0000 0.1250 0.1875 0.3125 0.3750 0.4375 n/a
2-4 untis 0.2500 0.3750 0.7500 1.0000 1.5000 2.0000 3.0000
Condo 0.0000 0.0000 0.0625 0.1250 0.1250 0.1250 0.1250
DTI >40% 0.0000 0.0000 0.1250 0.1875 0.1875 0.2500 0.3750Applicable to Fixed Rate Loan Cash outCredit Score
LTV/CLTV (%)FICO <=50.00% 50.01-55% 55.01-60% 60.01-65% 65.01-70.00%70.01-75.00%75.01-80.00%
>-800 -0.1250 -0.0625 -0.0625 0.0625 0.1250 1.8750 n/a
780-799 -0.1250 -0.0625 -0.0625 0.1250 0.1875 0.3125 n/a
760-779 -0.0625 -0.0625 0.0625 0.1875 0.3125 0.4375 n/a
740-759 -0.0625 0.0625 0.1250 0.2500 0.3750 0.5625 n/a
720-739 -0.0625 0.0625 0.1875 0.3125 0.5625 0.8125 n/a
700-719 -0.0625 0.1250 0.3125 0.5000 0.7500 1.1875 n/a
680-699 n/a n/a n/a n/a n/a n/a n/aMiscellaneous
<=50.00% 50.01-55% 55.01-60% 60.01-65% 65.01-70.00%70.01-75.00%75.01-80.00%
2nd home 0.0000 0.1250 0.1875 0.3125 0.3750 n/a n/a
2-4 untis 0.2500 0.3750 0.7500 1.0000 1.5000 2.0000 3.0000
Condo 0.0000 0.0000 0.0625 0.1250 0.1250 0.1250 0.1250
DTI >40% n/a n/a n/a n/a n/a n/a n/aApplicable to Fixed rate loan Purchase, R/T, and Cash out* Loan amount change $45,001-$75,000 0.125
* Loan amount change $75,000-$150,000 0.250
*Escrow wavier( excluding Ca, NC, DC, and NY) 0.125
*Purchase Special on Purchase and R/T only -0.125Applicable to ARM Loans Purchase and R/TCredit Score
LTV/CLTV (%)FICO <=50.00% 50.01-55% 55.01-60% 60.01-65% 65.01-70.00%70.01-75.00%75.01-80.00%
>-800 -0.1250 -0.0625 0.0625 0.0625 0.1875 0.3125 0.5000
780-799 -0.1250 -0.0625 0.0625 0.1250 0.2500 0.3750 0.5625
760-779 -0.0625 -0.0625 0.0625 0.1250 0.2500 0.4375 0.7500
740-759 -0.0625 -0.0625 0.1250 0.1875 0.3750 0.5625 0.8750
720-739 -0.0625 0.0000 0.1875 0.1875 0.4375 0.6250 1.0625
700-719 -0.0625 0.0625 0.2500 0.3125 0.5625 0.8750 1.5000
680-699 0.0000 0.1250 0.3125 0.3750 n/a n/a n/aMiscellaneous
<=50.00% 50.01-55% 55.01-60% 60.01-65% 65.01-70.00%70.01-75.00%75.01-80.00%
2nd home 0.0000 0.1250 0.1875 0.3125 0.3750 0.4375 n/a
2-4 untis 0.2500 0.3750 0.7500 1.0000 1.5000 2.0000 3.0000
Condo 0.0000 0.0000 0.0625 0.1250 0.1250 0.1250 0.1250
DTI >40% 0.0000 0.0000 0.1250 0.1875 0.1875 0.2500 0.3750
Applicable to ARM Loans cash outCredit Score
LTV/CLTV (%)FICO <=50.00% 50.01-55% 55.01-60% 60.01-65% 65.01-70.00%70.01-75.00%75.01-80.00%
>-800 -0.1250 -0.0625 0.0625 0.1875 0.2500 0.3125 n/a
780-799 -0.1250 -0.0625 0.0625 0.2500 0.3125 0.4375 n/a
760-779 -0.0625 -0.0625 0.1875 0.3125 0.4375 0.5625 n/a
740-759 -0.0625 0.0625 0.2500 0.3750 0.5000 0.6875 n/a
720-739 -0.0625 0.0625 0.3125 0.4375 0.6875 0.9375 n/a
700-719 -0.0625 0.1250 0.4375 0.6250 0.8750 1.3125 n/a
680-699 n/a n/a n/a n/a n/a n/a n/a
Miscellaneous<=50.00% 50.01-55% 55.01-60% 60.01-65% 65.01-70.00%70.01-75.00%75.01-80.00%
2nd home 0.0000 0.1250 0.1875 0.3125 0.3750 0.4375 n/a
2-4 untis 0.2500 0.3750 0.7500 1.0000 1.5000 2.0000 3.0000
Condo 0.0000 0.0000 0.0625 0.1250 0.1250 0.1250 0.1250
DTI >40% n/a n/a n/a n/a n/a n/a n/a
Applicable to ARM loan Purchase, R/T, and Cash out Maximum Rebate/Price Cap* Loan amount change $45,001-$75,000 0.125 (Price cap is after all LLPAs but before Lender Paid Comp)
* Loan amount change $75,000-$150,000 0.250 * Platinum 30 yr Fixed Rate 101.200
*Escrow wavier( excluding Ca, NC, DC, and NY) 0.125 * Platinum 15 yr Fixed Rate 100.950
*Purchase Special on Purchase and R/T only -0.125 * Platinum 10/1 ARM, 7/1 ARM, 5/1 ARM 100.825
Rate Sheet: Whls-1002
Base Pricing Assumes Borrower Paid Compensation
Wednesday, March 18, 2020 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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30 Yr Fixed 5/1 Libor ARM 7/1 Libor ARMRate 30 45 Start Rate 30 45 Start Rate 30 45
7.625% (7.330) (7.080) 7.625% (7.280) (7.030) 7.625% (7.130) (6.880)
7.500% (7.080) (6.830) 7.500% (7.030) (6.780) 7.500% (6.880) (6.630)
7.375% (6.830) (6.580) 7.375% (6.780) (6.530) 7.375% (6.630) (6.380)
7.250% (6.580) (6.330) 7.250% (6.530) (6.280) 7.250% (6.380) (6.130)
7.125% (6.330) (6.080) 7.125% (6.280) (6.030) 7.125% (6.130) (5.880)
7.000% (6.080) (5.830) 7.000% (6.030) (5.780) 7.000% (5.880) (5.630)
6.875% (5.830) (5.580) 6.875% (5.780) (5.530) 6.875% (5.630) (5.380)
6.750% (5.580) (5.330) 6.750% (5.530) (5.280) 6.750% (5.380) (5.130)
6.625% (5.330) (5.080) 6.625% (5.280) (5.030) 6.625% (5.130) (4.880)
6.500% (5.080) (4.830) 6.500% (5.030) (4.780) 6.500% (4.880) (4.630)
6.375% (4.830) (4.580) 6.375% (4.780) (4.530) 6.375% (4.630) (4.380)
6.250% (4.580) (4.330) 6.250% (4.530) (4.280) 6.250% (4.380) (4.130)
6.125% (4.330) (4.080)
Rate 30 45 Start Rate 30 45 Start Rate 30 45
7.875% (5.245) (4.995) 7.125% (4.245) (3.995) 7.125% (3.865) (3.615)
7.750% (4.995) (4.745) 7.000% (3.995) (3.745) 7.000% (3.615) (3.365)
7.625% (4.745) (4.495) 6.875% (3.745) (3.495) 6.875% (3.365) (3.115)
7.500% (4.495) (4.245) 6.750% (3.495) (3.245) 6.750% (3.115) (2.865)
7.375% (4.245) (3.995) 6.625% (3.245) (2.995) 6.625% (2.865) (2.615)
7.250% (3.995) (3.745) 6.500% (2.995) (2.745) 6.500% (2.615) (2.365)
7.125% (3.745) (3.495) 6.375% (2.745) (2.495) 6.375% (2.365) (2.115)
7.000% (3.495) (3.245) 6.250% (2.495) (2.245) 6.250% (2.115) (1.865)
6.875% (3.245) (2.995) 6.125% (2.245) (1.995) 6.125% (1.865) (1.615)
6.750% (2.995) (2.745) 6.000% (1.995) (1.745) 6.000% (1.615) (1.365)
6.625% (2.745) (2.495) 5.875% (1.745) (1.495) 5.875% (1.365) (1.115)
6.500% (2.495) (2.245) 5.750% (1.495) (1.245) 5.750% (1.115) (0.865)
6.375% (2.245) (1.995)
<50% 50.01%-55% 60.01-65% 65.01-70% 75.01-80% 80.01-85% 85.01-90%
-0.375 -0.250 -0.125 0.000 0.375 1.000 1.500
-0.375 -0.250 -0.125 0.000 0.375 1.000 1.625
-0.250 -0.125 0.000 0.125 0.625 1.500 1.750
-0.125 0.000 0.125 0.250 0.875 1.625 1.875
0.000 0.125 0.375 0.875 1.375 2.000 N/A
0.000 0.125 0.625 1.250 2.250 2.875 N/A
0.500 0.625 1.000 1.625 2.875 N/A N/A
-0.125 0.000 0.375 0.500 1.500 2.125 N/A
-0.125 0.000 0.375 0.500 1.500 2.125 N/A
0.000 0.125 0.500 1.000 1.875 2.375 N/A
0.125 0.250 0.625 1.375 2.250 N/A N/A
0.250 0.375 1.000 1.625 N/A N/A N/A
0.375 0.500 1.250 N/A N/A N/A N/A
N/A N/A N/A N/A N/A N/A N/A
Unison Only
<60% 60.01-65% 70.01-75% 75.01-80% 85.01-90% 90.01-95%
-1.625 -1.625 -0.875 -0.375 1.375 2.250
-1.375 -1.375 -0.750 -0.250 1.875 3.000
-1.375 -1.250 -0.250 0.250 2.875 4.375
-0.875 -0.875 0.000 0.875 N/A N/A
-0.625 -0.250 0.875 1.875 N/A N/A
-0.375 -0.125 1.625 2.625 N/A N/A
1.625 1.875 3.125 4.000 N/A N/A
2.625 2.875 4.125 5.000 N/A N/A
0.000 0.000 0.750 1.375 N/A
0.250 0.250 0.875 1.500 N/A
0.500 0.500 1.500 2.000 N/A
0.750 0.750 2.000 2.500 N/A
0.750 1.000 2.250 3.500 N/A
1.750 1.875 3.625 N/A N/A
3.875 4.000 5.250 N/A N/A
4.875 5.000 6.250 N/A N/A
<50% 50.01%-55% 60.01-65% 65.01-70% 75.01-80% 80.01-85% 85.01-90%
0.000 0.000 0.000 0.000 0.000 0.000 N/A
0.125 0.250 0.250 0.250 0.500 N/A N/A
0.000 0.000 0.000 0.250 0.250 0.500 0.500
0.500 0.500 0.500 0.500 N/A N/A N/A
-0.250 -0.250 -0.250 -0.250 -0.250 -0.250 -0.250
0.125 0.125 0.250 0.500 0.750 N/A N/A
0.500 0.625 0.750 0.875 N/A N/A N/A
0.000 0.250 0.750 0.750 1.000 N/A N/A
0.250 0.250 0.500 0.500 0.500 0.750 N/A
0.125 0.125 0.125 0.125 0.250 0.250 0.250
0.250 0.250 0.250 0.250 N/A N/A N/A
0.000 0.000 0.750 1.250 1.875 2.000 N/A
0.000 0.000 0.000 0.000 0.000 0.000 N/A
-0.250 -0.250 -0.250 -0.250 -0.250 -0.250 -0.250
0.375 0.375 0.375 0.375 0.375 0.375 N/A
0.125 0.125 0.375 0.625 N/A N/A N/A
0.625 0.625 0.625 0.750 N/A N/A N/A
** Fixed Rate Adjustments additive to 12 Month CPA PnL adjuster.
Unison Only
<60% 60.01-65% 70.01-75% 75.01-80% 85.01-90% 90.01-95%
0.000 0.000 0.000 0.000 0.250 0.375
0.375 0.375 0.375 0.375 0.500 0.625
0.500 0.500 0.500 N/A N/A N/A
0.375 0.375 0.500 0.500 N/A N/A
0.000 0.000 0.250 0.250 0.500 0.625
0.000 0.000 0.500 0.750 N/A N/A
0.250 0.375 0.500 1.000 N/A N/A
0.500 0.500 1.750 2.250 N/A N/A
0.500 0.750 1.000 1.000 N/A N/A
0.250 0.500 0.500 0.500 N/A N/A
0.750 1.000 1.750 2.000 N/A N/A
0.125 0.125 0.250 0.250 0.250 0.375
0.875 1.375 1.750 N/A N/A N/A
0.250 0.250 0.500 0.500 N/A N/A
0.000 0.500 1.000 1.000 1.000 1.125
0.000 0.000 0.500 0.500 1.250 1.375
0.000 0.500 1.000 1.000 1.000 1.125
-0.375 -0.375 -0.500 -0.500 -0.500 N/A
N/A N/A N/A N/A -0.375 N/A
N/A N/A N/A N/A N/A -0.250
**12 Month Bank Statements additive to 24 Month Bank Statement Adjusments
101.950 103.700
102.700
Rate Sheet: WHLS-1002
Maximum Rebate/Price Cap* Expanded Access - AA Credit Fixed/ARM Rates * Expanded Access - B & C Credit Fixed Rates
* Expanded Access - B & C Credit ARM Rates
* Unison only w/10% Down N/A N/A
* Unison only w/5% Down N/A N/A
* Express Doc- 1yr Tax Return 0.750 1.000
* Unison only w/>10% Down -0.375 -0.500
* 24 Month Bank Statement 0.750 1.000
** 12 Month Bank Statement 0.250 1.000
* Foreign National 1.500 N/A
* Asset Utilization 0.500 N/A
* Non Warrantable Condo 1.500 N/A
* 2-4 Unit Property 0.125 0.250
* Second Home 1.000 N/A
* Condo/ Co-ops 0.500 0.750
* Cash-out/Debt Consolidation 0.500 1.250
* Investor 1.000 N/A
* Loan Amount <=$250k 0.250 0.500
* Loan Amount >$1.5mm 0.500 N/A
* DTI > 50% 0.500 N/A
* Interest Only 0.375 0.750
* DTI > 43% & Fico 680+ 0.000 0.250
* DTI > 43% & Fico <680 0.375 0.500
** Fixed Rate 12 Month CPA PnL 0.625 1.000
EA - B-C Credit Full Doc / Express Doc / Bank StatementLTV/CLTV
Misc Price Adjustments 65.01-70% 80.01-85%
* Fixed Rate Bank Stmt 0.375 0.375
* 12 Month CPA PnL 0.125 0.750
* Express Doc-1 yr Tax Return + PnL^ 0.000 0.000
* Non-CA State -0.250 -0.250
* Asset Utilization 0.250 0.375
* 12 Month Bank Statement 0.000 1.625
* Condos 0.250 0.500
* 2-4 Unit Property 0.125 0.250
* Investor 0.625 1.000
* Second Home 0.500 1.000
* Purchase -0.250 -0.250
* Cash-out/Debt Consolidation 0.125 0.500
* Loan Amount <=$250k 0.000 0.250
* Loan Amount >$2mm 0.500 0.500
* DTI > 43% & Fico > 680 0.000 0.000
* Interest Only 0.250 0.375
EA - AA Credit Full Doc / Express Doc / Bank Statement / CPA PnLLTV/CLTV
Misc Price Adjustments 55.01%-60% 70.01-75%
600-619 4.375 N/A
580-599 5.375 N/A
640-659 1.125 N/A
620-639 2.000 N/A
1.750
680-699 0.875 2.250
660-679 1.000 N/A
580-599 3.500 N/A
EA - C Credit
Full Doc
Express Doc
Bank Statement
720+ Fico 0.000 1.625
700-719 0.250
620-639 0.500 N/A
600-619 2.500 N/A
660-679 -0.500 2.000
640-659 0.000 2.250
EA - B Credit
Full Doc
Express Doc
Bank Statement
720+ Fico -1.500 0.500
700-719 -1.125 0.875
680-699 -0.625 1.750
661-679 Fico N/A N/A
LTV/CLTV65.01-70% 80.01-85%
700-719 Fico 0.375 2.250
680-699 Fico 0.500 N/A
1.000
740-759 Fico 0.125 1.625
720-739 Fico 0.250 1.875
661-679 Fico 0.750 2.250
EA - AA Credit
Express Doc/Bank
Statement/CPA PnL
780+ Fico 0.000 0.750
760-779 Fico 0.000
700-719 Fico 0.125 1.125
680-699 Fico 0.250 1.750
0.250
740-759 Fico -0.125 0.375
720-739 Fico 0.000 0.625
Expanded Access - Full Doc / Express Doc / Bank Statement Price AdjustmentsLTV/CLTV
55.01%-60% 70.01-75%
EA - AA Credit Full
Doc
780+ Fico -0.250 0.250
760-779 Fico -0.250
30 Yr Fixed 5/1 Libor ARM 7/1 Libor ARM Program HighlightsB-C Credit Grades
4.00 Margin, 2/2/5 Caps 4.00 Margin, 5/2/5 Caps
Base Pricing Assumes Borrower Paid Compensation
Wednesday, March 18, 2020 Wholesale Rates effective until 5:00 pm PDT (In an occurrence of a Price Change, Notification will be sent)
Expanded Access AA Credit Grade
NIC
HE
/ E
XP
AN
DE
D A
CC
ES
S N
ON
-CO
NF
OR
MIN
G
Program HighlightsAA Credit Grade
3.50 Margin, 2/2/5 Caps 3.50 Margin, 5/2/5 Caps
Expanded Access B-C Credit Grades
1:29PM
30 Yr Fixed-30/40 IO Fixed 15 Yr Fixed 5/1 Libor ARM - 5/1 ARM 30/40 IO 7/1 Libor ARM -7/1 ARM 30/40 IORate 15 30 Rate 15 30 Start Rate 15 30 Start Rate 15 30
7.375% (7.759) (7.509) 7.375% (7.992) (7.742) 7.250% (6.814) (6.564) 7.625% (8.293) (8.043)
7.250% (7.444) (7.194) 7.250% (7.677) (7.427) 7.125% (6.499) (6.249) 7.500% (7.959) (7.709)
7.125% (7.129) (6.879) 7.125% (7.362) (7.112) 7.000% (6.184) (5.934) 7.375% (7.626) (7.376)
7.000% (6.814) (6.564) 7.000% (7.047) (6.797) 6.875% (5.869) (5.619) 7.250% (7.292) (7.042)
6.875% (6.499) (6.249) 6.875% (6.732) (6.482) 6.750% (5.554) (5.304) 7.125% (6.958) (6.708)
6.750% (6.184) (5.934) 6.750% (6.417) (6.167) 6.625% (5.239) (4.989) 7.000% (6.624) (6.374)
6.625% (5.869) (5.619) 6.625% (6.102) (5.852) 6.500% (4.924) (4.674) 6.875% (6.291) (6.041)
6.500% (5.554) (5.304) 6.500% (5.787) (5.537) 6.375% (4.609) (4.359) 6.750% (5.957) (5.707)
6.375% (5.239) (4.989) 6.375% (5.472) (5.222) 6.250% (4.294) (4.044) 6.625% (5.623) (5.373)
6.250% (4.924) (4.674) 6.250% (5.157) (4.907) 6.125% (3.979) (3.729) 6.500% (5.289) (5.039)
6.125% (4.609) (4.359) 6.125% (4.842) (4.592) 6.000% (3.664) (3.414) 6.375% (4.956) (4.706)
6.000% (4.294) (4.044) 6.000% (4.527) (4.277) 5.875% (3.349) (3.099) 6.250% (4.622) (4.372)
5.875% (3.979) (3.729) 5.875% (4.212) (3.962) 5.750% (3.034) (2.784) 6.125% (4.288) (4.038)
5.750% (3.664) (3.414) 5.750% (3.897) (3.647) 5.625% (2.719) (2.469) 6.000% (3.954) (3.704)
5.625% (3.349) (3.099) 5.625% (3.582) (3.332) 5.500% (2.404) (2.154) 5.875% (3.621) (3.371)
5.500% (3.034) (2.784) 5.500% (3.267) (3.017) 5.375% (2.089) (1.839) 5.750% (3.283) (3.033)
5.375% (2.719) (2.469) 5.375% (2.952) (2.702) 5.250% (1.774) (1.524) 5.625% (2.942) (2.692)
5.250% (2.404) (2.154) 5.250% (2.637) (2.387) 5.125% (1.432) (1.182) 5.500% (2.599) (2.349)
5.125% (2.089) (1.839) 5.125% (2.322) (2.072) 5.000% (1.076) (0.826) 5.375% (2.249) (1.999)
5.000% (1.774) (1.524) 5.000% (2.007) (1.757) 4.875% (0.778) (0.528) 5.250% (1.895) (1.645)
4.875% (1.432) (1.182) 4.875% (1.692) (1.442) 4.750% (0.481) (0.231) 5.125% (1.526) (1.276)
4.750% (1.076) (0.826) 4.750% (1.350) (1.100)
10/1 Libor ARM -10/1 ARM 30/40 IOStart Rate 15 30
7.375% (8.122) (7.872)
7.250% (7.769) (7.519)
7.125% (7.417) (7.167)
7.000% (7.064) (6.814) Mortgage History: Min 0x30 12 Months
6.875% (6.712) (6.462) Max DTI: 45
6.750% (6.359) (6.109) Bankruptcy Seasoning: Chap 13&11: 2 Yrs Chap 7: 4 Yrs
6.625% (6.007) (5.757) Foreclosure Seasoning: 7 Years
6.500% (5.654) (5.404) Other Loss Mitigation Seasoning: 4 Years6.375% (5.302) (5.052) Reserves <= 80% LTV: Per AUS Approval
6.250% (4.949) (4.699) Reserves > 80% LTV: Per AUS Approval
6.125% (4.597) (4.347) Documentation Programs: Per AUS Approval
6.000% (4.244) (3.994) Max Loan Amount: $3,000,000
5.875% (3.892) (3.642) Min Loan Amount: $100,000
5.750% (3.532) (3.282) Max LTV: 95%
5.625% (3.164) (2.914) Min FICO: 600
5.500% (2.793) (2.543) Occupancy Types: Owner, 2nd Home, Investor
5.375% (2.408) (2.158)
5.250% (2.015) (1.765)
5.125% (1.619) (1.369)
5.000% (1.216) (0.966)
4.875% (0.802) (0.552)
4.750% (0.388) (0.138)
50.01%-55% 55.01%-60% 65.01-70% 70.01-75% 80.01-85% 85.01-90% 90.01-95%
-0.450 -0.450 -0.200 -0.050 0.600 1.250 2.500
-0.450 -0.450 -0.150 0.000 0.700 1.350 2.750
-0.400 -0.350 -0.100 0.050 0.850 1.550 3.000
-0.300 -0.250 0.050 0.250 1.000 1.750 3.250
-0.150 -0.150 0.250 0.450 1.250 2.050 3.750
0.000 0.000 0.550 0.750 1.650 2.550 4.250
0.200 0.250 0.900 1.200 2.700 3.800 5.000
0.400 0.550 1.100 1.500 3.500 N/A N/A
0.800 1.100 2.000 2.500 5.000 N/A N/A
1.200 1.500 2.750 3.500 N/A N/A N/A
1.700 2.000 3.750 4.750 N/A N/A N/A
-0.250 -0.250 -0.250 -0.250 -0.375 -0.375 -0.375
0.400 0.600 0.800 0.800 0.800 0.900 1.200
0.400 0.400 0.600 0.800 N/A N/A N/A
0.300 0.300 0.500 0.700 1.400 1.800 2.600
0.200 0.200 0.400 0.400 1.100 1.600 2.200
0.000 0.000 0.000 0.000 0.200 0.300 0.500
0.000 0.000 0.000 0.000 0.200 N/A N/A
0.250 0.250 0.350 0.350 0.600 N/A N/A
0.400 0.400 0.500 0.500 0.750 N/A N/A
0.000 0.000 0.200 0.400 0.800 N/A N/A
0.500 0.900 1.200 1.500 2.500 N/A N/A
0.400 0.600 0.600 0.800 1.800 N/A N/A
-0.300 -0.300 -0.400 -0.500 -0.700 N/A N/A
-0.200 -0.200 -0.200 -0.300 -0.400 -0.400 -0.400
0.200 0.500 0.800 1.100 2.000 N/A N/A
0.000 0.000 0.200 0.400 1.000 1.500 N/A
0.000 0.000 0.200 0.200 0.400 0.600 0.800
0.000 0.000 0.300 0.300 0.600 0.800 1.000
0.125 0.125 0.125 0.125 0.125 0.125 0.125
0.000 0.000 0.500 1.000 2.000 2.500 3.500
102.450 101.700
96.700
Rate Sheet: WHLS-1002
Maximum Rebate/Price Cap* Hybrid Conforming and Jumbo w/Loan Amount <=$1MM * Hybrid Conforming and Jumbo w/Loan Amount >$1MMMinimum Price* Hybrid Conforming and Jumbo ALL Loan Amounts
Escrow Waiver 0.125 0.125 0.125
Sub Financing by CLTV 0.000 0.000 1.500
Loan Amt >$1.5MM-$2.5MM 0.000 0.200 0.400
Loan Amt >$2.5MM-$3MM 0.000 0.300 0.600
DTI >43% & Fico <680 0.200 0.500 1.500
DTI >43% & Fico >=680 0.000 0.000 0.600
DTI <=25% & Fico <680 -0.300 -0.400 -0.500
DTI <=25% & Fico>=680 -0.200 -0.200 -0.300
Investment & Fico <680 0.500 1.200 2.000
Investment & Fico >=680 0.400 0.600 1.200
4 Unit 0.400 0.500 0.750
2nd Home 0.000 0.200 0.600
2 Unit 0.000 0.000 0.200
3 Unit 0.250 0.350 0.600
Cashout & Fico >=740 0.200 0.400 0.600
Condo 0.000 0.000 0.000
Cashout & Fico <680 0.400 0.600 N/A
Cashout & Fico 680-739 0.300 0.500 0.900
Purchase Transaction -0.250 -0.250 -0.250
Interest Only (10 Yr IO) 0.400 0.600 0.800
620-639 Fico 1.000 2.000 4.500
600-619 Fico 1.500 2.750 5.750
660-679 Fico 0.200 0.750 2.000
640-659 Fico 0.600 1.400 3.000
700-719 Fico -0.100 0.150 1.100
680-699 Fico 0.000 0.450 1.500
740-759 Fico -0.300 -0.200 0.450
720-739 Fico -0.200 -0.050 0.700
780-799 Fico -0.500 -0.300 0.200
760-779 Fico -0.450 -0.250 0.250
<=50% 60.01-65% 75.01-80%
800+ Fico -0.500 -0.350 0.150
2.25 Margin, 5/2/5 Caps
HYBRID CONFORMING AND JUMBO - PRICE ADJUSTMENTSLTV/CLTV
Base Pricing Assumes Borrower Paid Compensation
Wednesday, March 18, 2020 Wholesale Rates effective until 5:00 pm PDT (In an occurrence of a Price Change, Notification will be sent)
HYBRID CONFORMING AND JUMBO
NIC
HE
/NO
N-Q
M
2.25 Margin, 2/2/5 Caps 2.25 Margin, 5/2/5 Caps
PROGRAM HIGHLIGHTS
Hybrid Conforming & Jumbo Program accepts Agency Approved Eligible and Agency Approved Ineligible Loans subject
to Overlays (See Guidelines)
1:29PM
30 Yr Fixed 5/1 Libor ARM 7/1 Libor ARM Rate 30 45 Start Rate 30 45 Start Rate 30 45
6.750% (2.575) (2.325) 6.750% (3.325) (3.075) 6.750% (3.075) (2.825) * 3/1 Libor ARM Pricing Available Online
6.625% (2.325) (2.075) 6.625% (3.075) (2.825) 6.625% (2.825) (2.575) * Minimum Loan Amount $75k
6.500% (2.075) (1.825) 6.500% (2.825) (2.575) 6.500% (2.575) (2.325) * Maximum Loan Amount $2mm
6.375% (1.825) (1.575) 6.375% (2.575) (2.325) 6.375% (2.325) (2.075) * Housing Event 2+ Years
6.250% (1.575) (1.325) 6.250% (2.325) (2.075) 6.250% (2.075) (1.825) * BK 2+ Years
6.125% (1.325) (1.075) 6.125% (2.075) (1.825) 6.125% (1.825) (1.575) * Mortgage History 1x30x12
6.000% (1.075) (0.825) 6.000% (1.825) (1.575) 6.000% (1.575) (1.325) * Max Lock Period; 60 Days
5.875% (0.825) (0.575) 5.875% (1.575) (1.325) 5.875% (1.325) (1.075) * Max Lock Period w/Lock Ext; 75 Days
5.750% (0.575) (0.325) 5.750% (1.325) (1.075) 5.750% (1.075) (0.825)
5.625% (0.200) 0.050 5.625% (0.950) (0.700) 5.625% (0.700) (0.450)
5.500% 0.175 0.425 5.500% (0.575) (0.325) 5.500% (0.325) (0.075)
5.375% 0.550 0.800 5.375% (0.200) 0.050 5.375% 0.050 0.300
5.250% 0.925 1.175
<60% 60.01%-65% 70.01-75% 75.01-80%
-2.000 -1.750 -0.500 1.500
-1.750 -1.500 0.250 1.750
-1.500 -1.000 0.500 N/A
-1.000 -0.750 1.750 N/A
-0.250 -0.250 2.250 N/A
0.250 0.625 2.500 N/A
1.000 1.500 N/A N/A
<60% 60.01%-65% 70.01-75% 75.01-80%
0.750 0.750 1.000 N/A
0.000 0.000 0.250 0.500
0.250 0.500 N/A N/A
0.500 0.500 N/A N/A
0.500 0.500 N/A N/A
0.000 0.000 N/A N/A
0.000 0.000 2.000 N/A
1.000 1.000 N/A N/A
(0.500) (0.500) (0.500) (0.500)
(0.250) (0.250) (0.250) (0.250)
0.500 0.500 0.500 0.500
1.000 1.000 1.000 1.000
0.250 0.250 0.750 1.000
102.700 98.700
100.700
Rate Sheet: WHLS-1002
* Investor Solution DSCR/No Ratio w/1 Yr or No Prepay
* Interest Only 0.500
Maximum Rebate/Price Cap Minimum Price * Investor Solution DSCR/No Ratio w/2+ Yr Prepay * Investor Solution DSCR/No Ratio
* 1 Yr Prepayment Penalty 0.500
* No Prepayment Penalty 1.000
* 3 Yr Prepayment Penalty (0.500)
* 2 Yr Prepayment Penalty (0.250)
* 2-4 Unit Property 1.250
* Foreign National (Price to 660 FICO) N/A
* Non-Warrantable Condo N/A
* Condo 0.250
* Loan Amount >$1.5mm 0.500
* Cash-out/Debt Consolidation 0.750
* No Ratio 0.750
* Loan Amount <=$250k 0.000
620-639 Fico N/A
LTV/CLTVMisc Price Adjustments 65.01%-70%
660-679 Fico 0.500
640-659 Fico 1.000
700-719 Fico -0.500
680-699 Fico 0.000
LTV/CLTV65.01%-70%
1x30 Mtg DQ
(2+ Yrs)
740+ Fico -1.250
720-739 Fico -1.000
Base Pricing Assumes Borrower Paid Compensation
Wednesday, March 18, 2020 Wholesale Rates effective until 5:00 pm PDT (In an occurrence of a Price Change, Notification will be sent)
Investor Solution Debt Service Coverage Ratio (DSCR) & No Ratio
NIC
HE
/NO
N-C
ON
FO
RM
ING
Program Highlights
6.00 Margin, 2/2/5 Caps 6.00 Margin, 5/2/5 Caps
Investor Solution DSCR & No Ratio Price Adjustments
1:29PM
30 Yr Fixed-30/40 IO Fixed 15 Yr Fixed 5/1 Libor ARM - 5/1 ARM 30/40 IO 7/1 Libor ARM -7/1 ARM 30/40 IORate 15 30 Rate 15 30 Start Rate 15 30 Start Rate 15 30
7.250% (7.821) (7.571) 7.125% (7.748) (7.498) 7.250% (7.191) (6.941) 7.500% (8.361) (8.111)
7.125% (7.506) (7.256) 7.000% (7.433) (7.183) 7.125% (6.876) (6.626) 7.375% (8.027) (7.777)
7.000% (7.191) (6.941) 6.875% (7.118) (6.868) 7.000% (6.561) (6.311) 7.250% (7.694) (7.444)
6.875% (6.876) (6.626) 6.750% (6.803) (6.553) 6.875% (6.246) (5.996) 7.125% (7.360) (7.110)
6.750% (6.561) (6.311) 6.625% (6.488) (6.238) 6.750% (5.931) (5.681) 7.000% (7.026) (6.776)
6.625% (6.246) (5.996) 6.500% (6.173) (5.923) 6.625% (5.616) (5.366) 6.875% (6.692) (6.442)
6.500% (5.931) (5.681) 6.375% (5.858) (5.608) 6.500% (5.301) (5.051) 6.750% (6.359) (6.109)
6.375% (5.616) (5.366) 6.250% (5.543) (5.293) 6.375% (4.986) (4.736) 6.625% (6.025) (5.775)
6.250% (5.301) (5.051) 6.125% (5.228) (4.978) 6.250% (4.671) (4.421) 6.500% (5.691) (5.441)
6.125% (4.986) (4.736) 6.000% (4.913) (4.663) 6.125% (4.356) (4.106) 6.375% (5.357) (5.107)
6.000% (4.671) (4.421) 5.875% (4.598) (4.348) 6.000% (4.041) (3.791) 6.250% (5.024) (4.774)
5.875% (4.356) (4.106) 5.750% (4.283) (4.033) 5.875% (3.726) (3.476) 6.125% (4.690) (4.440)
5.750% (4.041) (3.791) 5.625% (3.968) (3.718) 5.750% (3.411) (3.161) 6.000% (4.356) (4.106)
5.625% (3.726) (3.476) 5.500% (3.653) (3.403) 5.625% (3.096) (2.846) 5.875% (4.022) (3.772)
5.500% (3.411) (3.161) 5.375% (3.338) (3.088) 5.500% (2.781) (2.531) 5.750% (3.689) (3.439)
5.375% (3.096) (2.846) 5.250% (3.023) (2.773) 5.375% (2.466) (2.216) 5.625% (3.353) (3.103)
5.250% (2.781) (2.531) 5.125% (2.708) (2.458) 5.250% (2.151) (1.901) 5.500% (3.011) (2.761)
5.125% (2.466) (2.216) 5.000% (2.393) (2.143) 5.125% (1.836) (1.586) 5.375% (2.668) (2.418)
5.000% (2.151) (1.901) 4.875% (2.078) (1.828) 5.000% (1.494) (1.244) 5.250% (2.318) (2.068)
4.875% (1.836) (1.586) 4.750% (1.763) (1.513) 4.875% (1.179) (0.929) 5.125% (1.964) (1.714)
4.750% (1.494) (1.244) 4.625% (1.421) (1.171) 4.750% (0.882) (0.632) 5.000% (1.595) (1.345)
4.625% (1.138) (0.888) 4.500% (1.065) (0.815)
50.01%-55% 55.01%-60% 65.01-70% 70.01-75% 80.01-85% 85.01-90% 90.01-95%
-0.650 -0.600 -0.450 -0.250 0.350 1.100 1.800
-0.600 -0.550 -0.400 -0.200 0.450 1.200 1.900
-0.550 -0.500 -0.300 -0.100 0.650 1.300 2.100
-0.500 -0.450 -0.150 0.100 0.800 1.500 2.300
-0.450 -0.400 0.000 0.250 1.100 1.800 2.800
-0.400 -0.200 0.300 0.550 1.650 2.500 3.500
-0.150 0.000 0.600 0.850 2.500 3.500 4.500
-0.500 -0.500 -0.375 -0.375 -0.250 -0.250 -0.250
0.700 0.700 0.800 0.900 0.900 1.000 1.400
0.200 0.200 0.400 0.600 1.200 1.800 2.400
0.000 0.000 0.200 0.400 0.900 1.200 1.600
0.000 0.000 0.000 0.000 0.000 0.000 0.000
0.000 0.000 0.000 0.000 0.000 N/A N/A
0.250 0.250 0.350 0.350 0.500 N/A N/A
0.350 0.350 0.500 0.500 0.750 N/A N/A
0.000 0.125 0.250 0.250 0.375 N/A N/A
0.700 0.900 1.100 1.100 1.500 N/A N/A
-0.200 -0.200 -0.200 -0.300 -0.300 -0.300 -0.300
0.000 0.000 0.125 0.125 0.125 0.250 0.375
0.000 0.000 0.250 0.375 0.750 1.000 1.500
0.000 0.000 0.000 0.250 0.500 0.750 1.000
0.125 0.125 0.125 0.125 0.125 0.125 0.125
0.000 0.000 0.500 1.000 2.000 2.500 3.500
102.450 101.700
96.700 $60,000
30 Yr Fixed-30/40 IO Fixed 15 Yr Fixed 5/1 Libor ARM - 5/1 ARM 30/40 IO 7/1 Libor ARM -7/1 ARM 30/40 IORate 15 30 Rate 15 30 Start Rate 15 30 Start Rate 15 30
7.375% (7.759) (7.509) 7.375% (7.992) (7.742) 7.250% (6.814) (6.564) 7.625% (8.293) (8.043)
7.250% (7.444) (7.194) 7.250% (7.677) (7.427) 7.125% (6.499) (6.249) 7.500% (7.959) (7.709)
7.125% (7.129) (6.879) 7.125% (7.362) (7.112) 7.000% (6.184) (5.934) 7.375% (7.626) (7.376)
7.000% (6.814) (6.564) 7.000% (7.047) (6.797) 6.875% (5.869) (5.619) 7.250% (7.292) (7.042)
6.875% (6.499) (6.249) 6.875% (6.732) (6.482) 6.750% (5.554) (5.304) 7.125% (6.958) (6.708)
6.750% (6.184) (5.934) 6.750% (6.417) (6.167) 6.625% (5.239) (4.989) 7.000% (6.624) (6.374)
6.625% (5.869) (5.619) 6.625% (6.102) (5.852) 6.500% (4.924) (4.674) 6.875% (6.291) (6.041)
6.500% (5.554) (5.304) 6.500% (5.787) (5.537) 6.375% (4.609) (4.359) 6.750% (5.957) (5.707)
6.375% (5.239) (4.989) 6.375% (5.472) (5.222) 6.250% (4.294) (4.044) 6.625% (5.623) (5.373)
6.250% (4.924) (4.674) 6.250% (5.157) (4.907) 6.125% (3.979) (3.729) 6.500% (5.289) (5.039)
6.125% (4.609) (4.359) 6.125% (4.842) (4.592) 6.000% (3.664) (3.414) 6.375% (4.956) (4.706)
6.000% (4.294) (4.044) 6.000% (4.527) (4.277) 5.875% (3.349) (3.099) 6.250% (4.622) (4.372)
5.875% (3.979) (3.729) 5.875% (4.212) (3.962) 5.750% (3.034) (2.784) 6.125% (4.288) (4.038)
5.750% (3.664) (3.414) 5.750% (3.897) (3.647) 5.625% (2.719) (2.469) 6.000% (3.954) (3.704)
5.625% (3.349) (3.099) 5.625% (3.582) (3.332) 5.500% (2.404) (2.154) 5.875% (3.621) (3.371)
5.500% (3.034) (2.784) 5.500% (3.267) (3.017) 5.375% (2.089) (1.839) 5.750% (3.283) (3.033)
5.375% (2.719) (2.469) 5.375% (2.952) (2.702) 5.250% (1.774) (1.524) 5.625% (2.942) (2.692)
5.250% (2.404) (2.154) 5.250% (2.637) (2.387) 5.125% (1.432) (1.182) 5.500% (2.599) (2.349)
5.125% (2.089) (1.839) 5.125% (2.322) (2.072) 5.000% (1.076) (0.826) 5.375% (2.249) (1.999)
5.000% (1.774) (1.524) 5.000% (2.007) (1.757) 4.875% (0.778) (0.528) 5.250% (1.895) (1.645)
4.875% (1.432) (1.182) 4.875% (1.692) (1.442) 4.750% (0.481) (0.231) 5.125% (1.526) (1.276)
4.750% (1.076) (0.826) 4.750% (1.350) (1.100)
50.01%-55% 55.01%-60% 65.01-70% 70.01-75% 80.01-85% 85.01-90% 90.01-95%
-0.450 -0.450 -0.200 -0.050 0.600 1.250 2.500
-0.450 -0.450 -0.150 0.000 0.700 1.350 2.750
-0.400 -0.350 -0.100 0.050 0.850 1.550 3.000
-0.300 -0.250 0.050 0.250 1.000 1.750 3.250
-0.150 -0.150 0.250 0.450 1.250 2.050 3.750
0.000 0.000 0.550 0.750 1.650 2.550 4.250
0.200 0.250 0.900 1.200 2.700 3.800 5.000
0.400 0.550 1.100 1.500 3.500 N/A N/A
0.800 1.100 2.000 2.500 5.000 N/A N/A
1.200 1.500 2.750 3.500 N/A N/A N/A
1.700 2.000 3.750 4.750 N/A N/A N/A
-0.250 -0.250 -0.250 -0.250 -0.375 -0.375 -0.375
0.400 0.600 0.800 0.800 0.800 0.900 1.200
0.400 0.400 0.600 0.800 N/A N/A N/A
0.300 0.300 0.500 0.700 1.400 1.800 2.600
0.200 0.200 0.400 0.400 1.100 1.600 2.200
0.000 0.000 0.400 0.600 0.600 0.800 N/A
0.000 0.000 0.000 0.000 0.200 0.300 0.500
0.000 0.000 0.000 0.000 0.000 0.000 0.000
0.000 0.000 0.000 0.000 0.200 N/A N/A
0.250 0.250 0.350 0.350 0.600 N/A N/A
0.400 0.400 0.500 0.500 0.750 N/A N/A
0.000 0.000 0.200 0.400 0.800 N/A N/A
0.500 0.900 1.200 1.500 2.500 N/A N/A
0.400 0.600 0.600 0.800 1.800 N/A N/A
-0.300 -0.300 -0.400 -0.500 -0.700 N/A N/A
-0.200 -0.200 -0.200 -0.300 -0.400 -0.400 -0.400
0.000 0.000 0.200 0.400 1.000 1.500 N/A
0.000 0.000 0.200 0.200 0.400 0.600 0.800
0.000 0.000 0.300 0.300 0.600 0.800 1.000
0.000 0.000 0.250 0.375 0.750 1.000 1.500
0.000 0.000 0.000 0.250 0.500 0.750 1.000
0.125 0.125 0.125 0.125 0.125 0.125 0.125
0.000 0.000 0.500 1.000 2.000 2.500 3.500
101.700 102.450
96.700 $60,000
Rate Sheet: WHLS-1002
Maximum Rebate/Price Cap* Choice Plus Conforming and Jumbo w/Loan Amount <=$1MM * Choice Plus Conforming and Jumbo w/Loan Amount >$1MMMinimum Price Maximum Premium Proceeds* Choice Plus Conforming and Jumbo ALL Loan Amounts * Choice Plus Conforming and Jumbo ALL Loan Amounts
Escrow Waiver 0.125 0.125 0.125
Sub Financing by CLTV 0.000 0.000 1.500
Reserves <9 Months 0.000 0.000 0.500
Reserves >=9 Months - 15 Months 0.000 0.000 0.375
Loan Amt >$1.5MM-$2.5MM 0.000 0.200 0.400
Loan Amt >$2.5MM-$3MM 0.000 0.300 0.600
DTI <=25% & Fico>=680 -0.200 -0.200 -0.300
DTI >43% & Fico >=680 0.000 0.000 0.600
Investment & Fico >=680 0.400 0.600 1.200
DTI <=25% & Fico <680 -0.300 -0.400 -0.500
2nd Home 0.000 0.200 0.600
Investment & Fico <680 0.500 1.200 2.000
3 Unit 0.250 0.350 0.600
4 Unit 0.400 0.500 0.750
Co-op 0.000 0.000 0.000
2 Unit 0.000 0.000 0.200
Addl Cashout LLPA (Non Full Doc) 0.000 0.200 0.600
Condo 0.000 0.000 0.000
Cashout & Fico 680-739 0.300 0.500 0.900
Cashout & Fico >=740 0.200 0.400 0.600
Interest Only (10 Yr IO) 0.400 0.600 0.800
Cashout & Fico <680 0.400 0.600 N/A
600-619 Fico 1.500 2.750 5.750
Purchase Transaction -0.250 -0.250 -0.250
640-659 Fico 0.600 1.400 3.000
620-639 Fico 1.000 2.000 4.500
680-699 Fico 0.000 0.450 1.500
660-679 Fico 0.200 0.750 2.000
720-739 Fico -0.200 -0.050 0.700
700-719 Fico -0.100 0.150 1.100
760-779 Fico -0.450 -0.250 0.250
740-759 Fico -0.300 -0.200 0.450
800+ Fico -0.500 -0.350 0.150
780-799 Fico -0.500 -0.300 0.200
CHOICE PLUS CONFORMING AND JUMBO
2.25 Margin, 2/2/5 Caps 2.25 Margin, 5/2/5 Caps
CHOICE PLUS CONFORMING AND JUMBO - PRICE ADJUSTMENTSFull Doc LTV/CLTV
<=50% 60.01-65% 75.01-80%
Maximum Rebate/Price Cap* Choice Conforming and Jumbo w/Loan Amount <=$1MM * Choice Conforming and Jumbo w/Loan Amount >$1MMMinimum Price Maximum Premium Proceeds* Choice Conforming and Jumbo ALL Loan Amounts * Choice Conforming and Jumbo ALL Loan Amounts
Escrow Waiver 0.125 0.125 0.125
Sub Financing by CLTV 0.000 0.000 1.500
Reserves <9 Months 0.000 0.000 0.500
Reserves >=9 Months - 15 Months 0.000 0.000 0.375
DTI <=25% & Fico >=680 -0.200 -0.200 -0.300
Loan Amt >$1.5MM-$2MM 0.000 0.000 0.125
2nd Home 0.000 0.125 0.375
Investment & Fico >=680 0.700 1.000 1.300
3 Unit 0.250 0.350 0.500
4 Unit 0.350 0.500 0.750
Co-op 0.000 0.000 0.000
2 Unit 0.000 0.000 0.000
Cashout & Fico >=680 - 739 0.200 0.400 0.800
Cashout & Fico >=740 0.000 0.200 0.600
Purchase Transaction -0.500 -0.375 -0.250
Interest Only (10 Yr IO) 0.700 0.700 0.900
700-719 Fico -0.450 0.050 1.050
680-699 Fico -0.300 0.300 1.450
740-759 Fico -0.550 -0.250 0.350
720-739 Fico -0.500 -0.200 0.750
780-799 Fico -0.650 -0.500 0.000
760-779 Fico -0.600 -0.400 0.100
60.01-65% 75.01-80%
800+ Fico -0.700 -0.550 -0.050
Base Pricing Assumes Borrower Paid Compensation
Wednesday, March 18, 2020 Wholesale Rates effective until 5:00 pm PDT (In an occurrence of a Price Change, Notification will be sent)
CHOICE CONFORMING AND JUMBO
2.25 Margin, 2/2/5 Caps 2.25 Margin, 5/2/5 Caps
CHOICE CONFORMING AND JUMBO - PRICE ADJUSTMENTSLTV/CLTV
<=50%