prmg wa 2 27 ratesheet

Products: PageFHA Pg. 2

FHA Streamline Refinance Pg. 2

FHA High Balance Pg. 2

FHA High Balance Streamline Refinance Pg. 2

CalHFA - CHDAP 2nd Lien Pg. 3

USDA/Rural Housing Pg. 3

VA Pg. 3

VA High Balance Pg. 3

VA IRRRL/VA IRRRL High Balance Pg. 3

CHF Platinum Pg. 3

FHA Help Pg. 3

FHA Help High Balance Pg. 3

FHA/VA/USDA Price Adjustments Pg. 4

Agency (FNMA/FHLMC) Pg. 5

Agency ARMs Pg. 5

Agency Premium Pg. 5

Agency TX Home Equity Pg. 5

Agency Price Adjustments Pg. 6

Agency No MI Pg. 7

Agency No MI Adjustments Pg. 8

Agency High Balance Pg. 9

Agency No MI High Balance Pg. 9

FHLMC Super Conforming Pg. 9

Agency High Balance Adjustments Pg. 10

FNMA Homepath Pg. 11

FNMA Homepath High Balance Pg. 11

FNMA DU Refi Plus Pg. 11FNMA Homepath Price Adjustments Pg. 12

FNMA DU Refi Plus Adjustments Pg. 12

Gold Medal Jumbo Pg. 13

Silver Medal Jumbo Pg. 13

Platinum Jumbo Pg. 13

Gold /Silver Medal/Platinum Price Adjustments Pg. 14 Doc & Funding Cut-Off DatesLender Fees Last day to fund FHA/VA loans with Jan Docs 02/07/13

Underwriting Fee - Borrower Paid Transactions $990.00 Last day to fund Agency loans with Jan Docs 02/08/13Underwriting Fee - Lender Paid Transactions $990.00 Last day to Doc Streamlines for Feb Funding 02/21/13FHA Streamline/VAIRRL $590.00 Last day to Sign Streamlines for Feb Funding 02/22/13CalHFA $550.00 Last day to Draw Docs for April 1st Payment 02/27/13

Loan SubmissionsEmail: [email protected] Lock Cut-off 3:00 pm PSTPhysical Address: Lock Online www.PRMGlending.net1215 120th Avenue NE, Suite 102, Bellevue, WA 98005 Secondary Fax 951-278-5633

Extensions & Re-Locks [email protected]

Turn Times

Underwriting-Refinances Call AE Lock Expiration DatesUnderwriting-Purchases Call AE 15 Days 03/14/13Docs 24-48 Hrs 30 Days 03/29/13Funding 24-48 Hrs 40 Days 04/08/13

55 Days 04/23/13

Mortgagee Clause

Paramount Residential Mortgage Group, INC. Lock Extension PolicyIts Successors and/or Assigns 1-5 Days 0.2501265 Corona Pointe Court Ste. 301 6-10 Days 0.375Corona, California 92879 11+ Days Refer to Relock Policy

FHA HUD ID # Extended Rate Lock Terms22-94400120 40 Days .250 in fee

55 Days .500 in fee

VA Lender ID #

900115-00-00

Market Update1 Yr Libor 0.753

Approved States 1 Yr T-Bill 0.170

Arizona South Carolina 6 Mo Libor 0.457California Tennessee Prime Rate 3.250Colorado Texas 10 Yr Bond 1.860Connecticut Utah 30 Yr Bond 3.050Florida Vermont

Georgia Washington Average Prime Offer RatesIdaho 30/40 Yr Fixed 3.620Maine 15/20 Yr Fixed 2.880Maryland 10 Yr Fixed 3.890Massachusetts 1/1 ARM 2.940New Hampshire 3/1 ARM 2.890New Mexico 5/1 ARM 2.860Nevada 7/1 ARM 3.060North Carolina 10/1 ARM 3.490OregonPennsylvaniaRhode Island

PRMG WebsiteFastTrac www.PRMGlending.net

Scenario PricerFor On-line Rate/Price quotes, log on to our Scenario Pricer at: www.PRMGlending.net

Branch Production Manager: Jajean Leaf

1215 120th Avenue NE, Suite 102, Bellevue, WA 98005 (425) 455-0199

WASHINGTON WHOLESALE BRANCH

Lock Desk Info

The above fees are applied to the 30 day price.

Base Pricing Assumes Borrower Paid Compensation

Wholesale Rates effective until 3:00 pm PDT (In an occurance of a Price Change, Notification will be sent)

Table of Contents PRMG News


30 Yr Fixed 15 Yr FixedRate 15 30 Rate 15 30 Rate 15 30 FHA4.125% (6.125) (5.875) 3.500% (4.250) (4.000) 3.875% (4.375) (4.125)4.000% (6.750) (6.500) 3.375% (4.125) (3.875) 3.750% (3.875) (3.625) * Owner Occupied 3.875% (5.875) (5.625) 3.250% (3.875) (3.625) 3.625% (3.500) (3.250) * R&T to 97.75% LTV3.750% (5.375) (5.125) 3.125% (2.750) (2.500) 3.500% (3.375) (3.125) * Cash-out to 85% LTV3.625% (4.375) (4.125) 3.000% (2.750) (2.500) 3.375% (2.750) (2.500) * SFR, 1-4 Units, Condo's, 3.500% (4.250) (4.000) 2.875% (2.500) (2.250) 3.250% (2.250) (2.000) Modular Homes3.375% (3.625) (3.375) 2.750% (2.000) (1.750) 3.125% 1.875 2.125 * 640 Minimum Fico 3.250% (3.125) (2.875) 2.625% 0.500 0.750 * No Reserve Reqmts.3.125% 0.500 0.750 2.500% 0.875 1.1253.000% 0.500 0.750 FHA HIGH BALANCE

* Owner Occupied * R&T to 97.75% LTV* Cash-out to 85% LTV

3/1 ARM 5/1 ARM * SFR, 1-4 Units, Condo's, Start Rate 15 30 Start Rate 15 30 Rate 15 30 Modular Homes4.125% 1.375 1.625 3.625% (1.750) (1.500) 3.990% (4.250) (4.000) * 660 Minimum Fico 4.000% 1.625 1.875 3.500% (1.750) (1.500) 3.875% (4.000) (3.750) * Full Doc3.875% 1.875 2.125 3.375% (1.750) (1.500) 3.750% (3.625) (3.375) * No Reserve Reqmts.3.750% 2.125 2.375 3.250% (1.750) (1.500) 3.625% (3.125) (2.875)3.625% 3.125 3.375 3.125% (1.750) (1.500) 3.500% (3.000) (2.750)3.500% 3.375 3.625 3.000% (1.625) (1.375) 3.375% (2.500) (2.250) STREAMLINE PREMIUM3.375% 3.625 3.875 3.250% (2.000) (1.750)3.250% 3.875 4.125 3.125% 2.125 2.375 * 640 Minimum Fico

* AVM/2055 Required* 115% Maximum LTV/CLTV* Income Docs Not Required* SFR, 2-4 Units, Condo's, PUDs, Modular Homes* Fin Closing Cost not allowed

Rate 15 30 Rate 15 30 Rate 15 30 FHA STREAMLINE REFI3.875% (5.625) (5.375) 3.500% (4.000) (3.750) 3.875% (4.500) (4.250)3.750% (5.125) (4.875) 3.375% (3.875) (3.625) 3.750% (4.000) (3.750) * 680 Minimum Fico 3.625% (4.125) (3.875) 3.250% (3.625) (3.375) 3.625% (3.500) (3.250) * No Appraisal Required3.500% (4.000) (3.750) 3.125% (2.500) (2.250) 3.500% (3.125) (2.875) * 100% Maximum CLTV3.375% (3.375) (3.125) 3.000% (2.500) (2.250) 3.375% (2.500) (2.250) * Income Docs Not Required3.250% (2.875) (2.625) 2.875% (2.250) (2.000) 3.250% (2.000) (1.750) * SFR, Condo's, 3.125% 0.750 1.000 2.750% (1.750) (1.500) 3.125% 1.375 1.625 Modular Homes

* Fin Closing Cost allowed With appraisal option

FHA HIGH BAL STREAMLINE

* Owner Occupied * SFR, Condo's,

Repair Escrow 30 Yr High Balance 5/1 ARM Modular HomesRate 15 30 Start Rate 15 30 * 680 Minimum Fico 3.875% (4.625) (4.375) 3.625% (2.375) (2.125) * No Appraisal Required3.750% (4.250) (4.000) 3.500% (2.125) (1.875) * Income Docs Not Required3.625% (3.375) (3.125) 3.375% (1.875) (1.625)3.500% (3.000) (2.750) 3.250% (1.625) (1.375)3.375% (2.500) (2.250) 3.125% (0.500) (0.250) FHA REPAIR ESCROW3.250% (2.000) (1.750) 3.000% (0.250) 0.0003.125% 1.125 1.375 * HUD REOs Only3.000% 1.875 2.125 * SFR, 1-4 Units, Condo's

* 640 Minimum Fico * SFR, 1-4 Units, Condo's * Finance HUD Approved Repair costs on HUD REOs

FHA Flip 30 Yr Fixed FHA Flip 15 Yr Fixed

Rate 15 30 Rate 15 30 Rate 15 30

3.750% (5.125) (4.875) 3.500% (4.000) (3.750) 3.750% (4.875) (4.625)

3.625% (4.125) (3.875) 3.375% (3.875) (3.625) 3.625% (3.875) (3.625)

3.500% (4.000) (3.750) 3.250% (3.625) (3.375) 3.500% (3.750) (3.500)

3.375% (3.375) (3.125) 3.125% (2.500) (2.250) 3.375% (3.125) (2.875) FHA SHORT REFI3.250% (2.875) (2.625) 3.000% (2.500) (2.250) 3.250% (2.625) (2.375)

3.125% 0.750 1.000 2.875% (2.250) (2.000) 3.125% 1.000 1.250 * SFR only

3.000% 0.750 1.000 2.750% (1.750) (1.500) 3.000% 1.000 1.250 * AUS Approval Req.

2.625% 0.875 1.125 * 640 Minimum Fico

2.500% 1.250 1.500 * Owner Occupied

* R&T to 97.75% LTV

Rate Sheet: 122-Whls


GOVERNMENT

SRP Included in Base Price

Streamline Premium 30


Wednesday, February 27, 2013


FHAUnderwriting Highlights



2.00 Margin, 1/1/5 Caps

FHA Streamline 30 YR



High Balance - 30

Str Premium HB - 30



FHA Short Refi 30

SRP Included in Base PriceSRP Included in Base Price


2.00 Margin, 1/1/5 Caps2.00 Margin, 1/1/5 Caps

Streamline Premium 15



30 Yr Fixed 15 Yr Fixed

Rate 15 30 Rate 15 30 Rate 15 30 VA3.875% (5.000) (4.750) 3.250% (2.750) (2.500) 3.625% (2.500) (2.250)3.750% (4.500) (4.250) 3.125% (2.125) (1.875) 3.500% (2.500) (2.250) * Owner Occupied 3.625% (4.000) (3.750) 3.000% (1.875) (1.625) 3.375% (2.500) (2.250) * 100% LTV on Purchase 3.500% (3.625) (3.375) 2.875% (1.250) (1.000) 3.250% (2.500) (2.250) * Cash-out to 90% LTV3.375% (3.000) (2.750) 2.750% (0.875) (0.625) 3.125% (2.500) (2.250) * SFR, 1-4 Units, PUD,Condo's 3.250% (2.500) (2.250) 2.625% 0.750 1.000 3.000% (2.500) (2.250) * 620 Minimum Fico 3.125% 0.875 1.125 2.500% 1.125 1.375 * Full Doc3.000% 1.375 1.625 * No Reserve Reqmts.

* up to $417k Max Loan Amount

* Gift Funds Allowed* 3/1 ARM available


VA HIGH BALANCERate 15 304.000% (4.125) (3.875) * Owner Occupied 3.875% (3.500) (3.250) * 100% LTV on Purchase 3.750% (3.125) (2.875) * Cash-out to 90% LTV3.625% (2.500) (2.250) * SFR, PUD, Condo's 3.500% (2.125) (1.875) * 680 Minimum Fico 3.375% (1.625) (1.375) * Full Doc3.250% (1.125) (0.875) * $417,001 Min Loan Amount3.125% 2.250 2.500 * up to $1.5m Max Loan Amount

* 3/1 ARM available


VA IRRRLRate 15 30 Rate 15 30 Rate 15 303.875% (5.375) (5.125) 3.250% (3.125) (2.875) 4.000% (4.250) (4.000) * Owner Occupied 3.750% (4.875) (4.625) 3.125% (2.500) (2.250) 3.875% (3.000) (2.750) * Rate Reduction Refinance3.625% (4.375) (4.125) 3.000% (2.250) (2.000) 3.750% (2.625) (2.375) * SFR, PUD, Condo's, 2-4 Units3.500% (4.000) (3.750) 2.875% (1.625) (1.375) * 640 Minimum Fico 3.375% (3.375) (3.125) 2.750% (1.250) (1.000) * Full Doc3.250% (2.875) (2.625) 2.625% 0.375 0.625 * up to $700k Max Loan Amount

3.125% 0.500 0.750 2.500% 0.750 1.000 * 5/1 and 3/1 ARMs available3.000% 1.000 1.250

USDA/Rural HousingRate 15 30 Rate 15 30 Rate 15 30 * 100% LTV/CLTV3.750% (4.375) (4.125) 4.000% (3.000) (2.750) 3.375% (0.750) (0.500) * SFR, PUD's3.625% (3.625) (3.375) 3.875% (2.625) (2.375) 3.250% (0.500) (0.250) * 640 Minimum Fico 3.500% (3.250) (3.000) 3.750% (2.375) (2.125) 3.125% 0.000 0.250 *Max Loan Amount $417k3.375% (2.625) (2.375) 3.625% (1.250) (1.000) 3.000% 0.375 0.6253.250% (2.125) (1.875) 3.500% (0.875) (0.625) 2.875% 0.750 1.000 FHA 203K Streamline

3.375% (0.375) (0.125) 2.750% 1.125 1.375 * SFR, 1-4 Units, PUD,Condo's 3.250% 0.000 0.250 2.625% 5.000 5.250 * Max 96.5% LTV Purchase

2.500% 5.375 5.625 * 640 Min FICO2.375% 5.750 6.000 * 5/1 T and 15 yr HB available

Good Neighbor Next DoorRate 15 30 Rate 15 30

3.875% (4.625) (4.375) 4.000% (1.750) (1.500) * Special program for Law

3.750% (4.250) (4.000) 3.875% (1.375) (1.125) Enforcement Officers,

3.625% (3.375) (3.125) 3.750% (1.125) (0.875) Firefighters, EMTs and

3.500% (3.000) (2.750) 3.625% 0.000 0.250 School Teachers

3.375% (2.500) (2.250) 3.500% 0.375 0.625 * $100 Min Down Payment

3.250% (2.000) (1.750) 3.375% 0.875 1.125 * Up to 50% Discount on the

3.125% 1.125 1.375 3.250% 1.250 1.500 Sales price

3.000% 1.875 2.125 * Select HUD REOs Only

Rate 40 N/A CalHFA3.250% 0.000 * SFR, PUD's, Condo's

* First Time Homebuyers

* 96.50% LTV/105% CLTV


VAUnderwriting Highlights5/1 ARM

Govt Special Programs

High Balance - 30

FHA 203K Strmline 30


FHA 203K Strm HB 30

VA IRRRL - 15


VA IRRRL High Bal - 30


VA IRRRL - 30

GOVERNMENT

FHA Good Nbr 30



FHA 203K Strmline 15


USDA - 30 Yr


CalHFA- CHDAP 2nd

Borrower Paid Comp Only


Loan Amount: Loan Amount:

* Loans $100k-$139,999 0.125 * Loans $100k-$139,999 0.125

* Loans $75k-$99,999 0.500 * Loans $75k-$99,999 0.500

* Loans $50k-$74,999 0.875 * Loans $50k-$74,999 0.875

* Loans $30k-$49,999 2.000 * Loans $30k-$49,999 2.000

* Loans < $30,000 Contact Secondary * Loans < $30,000 Contact Secondary

FICO: FICO:

* Fico Scores >= 720 -0.250 * Fico Scores >= 720 -0.250

* Fico Scores 640 - 679 0.500 Miscellaneous :

Miscellaneous : * Down Payment Asst Prgrms 0.375

* Down Payment Asst Prgrms 0.375

Loan Amount:

Loan Amount: * Loans $145k-$174,999 0.125

* Loans $100k-$139,999 0.125 * Loans $125k-$144,999 0.250

* Loans $75k-$99,999 0.500 * Loans $100k-$124,999 0.375

* Loans $50k-$74,999 0.875 * Loans $70k-$99,999 0.750

* Loans $30k-$49,999 2.000 * Loans $50k-$69,999 1.125


FICO: FICO:

* Fico Scores >= 720 -0.250 * Fico Scores >= 720 -0.250

* Fico Scores 660 - 679 0.250 * Fico Scores 640 - 679 0.500

* Fico Scores 640 - 659 0.500

Miscellaneous :

* Base pricing and Adjustments available in FastTrac * Down Payment Asst Prgrms 0.375

FICO:

Loan Amount: * Fico Scores >= 720 -0.250

* Loans $100k-$139,999 0.125 * Fico Scores 660 - 679 0.500

* Loans $75k-$99,999 0.500 Miscellaneous :

* Loans $50k-$74,999 0.875 * Down Payment Asst Prgrms 0.375* Loans $30k-$49,999 2.000

* Loans < $30,000 Contact Secondary FICO:

FICO: * Fico Scores >= 720 -0.375

* Fico Scores >= 720 -0.375 * Fico Scores 640 - 659 0.375* Fico Scores 640 - 659 0.375

Loan Amount:Loan Amount: * Loans $100k-$139,999 0.125

* Loans $100k-$139,999 0.125 * Loans $75k-$99,999 0.500

* Loans $75k-$99,999 0.500 * Loans $50k-$74,999 0.875

* Loans $50k-$74,999 0.875 * Loans $30k-$49,999 2.000

* Loans $30k-$49,999 2.000 * Loans < $30,000 Contact Secondary* Loans < $30,000 Contact Secondary FICO:FICO: * Fico Scores >= 720 -0.250

* Fico Scores >= 720 -0.250 * Fico Scores 640 - 679 0.500* Fico Scores 640 - 679 0.500 Miscellaneous :Miscellaneous : * State Adjust: MA only 0.750

* State Adjust: MA only 0.750

All FHA Fixed Rates (excluding FHA 203k) 104.000 All FHA ARM 103.750


* Loans $100k-$139,999 0.125 * Loans $100k-$139,999 0.125

* Loans $75k-$99,999 0.500 * Loans $75k-$99,999 0.500

* Loans $50k-$74,999 0.875 * Loans $50k-$74,999 0.875

* Loans $30k-$49,999 2.000 * Loans $30k-$49,999 2.000


FICO: FICO:

* Fico Scores 620 - 639 1.500 * Fico Scores 640 - 679 0.500

* Fico Scores 640 - 679 0.500 * Fico Scores >=720 -0.250

* Fico Scores >=720 -0.250 Occupancy:

Miscellaneous : * N/O/O 0.750


Credit Score:

* FICO >= 720 -0.250 FICO:

Miscellaneous : * Fico Scores 640 - 679 0.250

* Down Payment Asst Prgrms 0.375 * Fico Scores >=720 -0.250

All VA programs 104.000

Loan Amount: USDA Fixed Rates 104.000

* Loans $100k-$139,999 0.125

* Loans $75k-$99,999 0.500

* Loans $50k-$74,999 0.875

* Loans $30k-$49,999 2.000

* Loans < $30,000 Contact Secondary

FICO:

* Fico Scores 640 - 659 1.000

* Fico Scores >=720 -0.250

Lender Paid Comp (Applicable to all programs):

* Plan C1 1.000 * Plan C9 3.000

* Plan C2 1.250 * Plan C10 3.250

* Plan C3 1.500 * Plan C11 3.500

* Plan C4 1.750 Additional Comp Paid By Lender (Applicable to all programs):

* Plan C5 2.000 * Plans C1 - C11 0.125

* Plan C6 2.250 * Plans C1 - C10 0.250

* Plan C7 2.500 * Plans C1 - C10 0.375

* Plan C8 2.750

Comp Plans fire based on the App date entered on the FT 1003. This should be the date submitted to PRMG or the Locked date which ever comes first.


VA Price Adjustments

FHA High Balance Price Adjustments

VA IRRRL High Balance Price Adjustments

Maximum Rebate/Buy

FHA Repair Escrow Price Adjustments

FHA Streamline Premium Price Adjustments

FHA $100 Down Price Adjustments

FHA Flip Price AdjustmentsFHA Short Refi Price Adjustments


FHA Price Adjustments

FHA Streamline Price AdjustmentsGOVERNMENT

VA IRRRL Price Adjustments

VA High Balance Price Adjustments

Compensation Level Price Adjustments

VA Price Adjustments

USDA Price Adjustments

USDA Price Adjustments Maximum Rebate/Buy

PRICE ADJUSTMENTSWednesday, February 27, 2013

FHA Price Adjustments

FHA 203K High Bal Streamline Price Adjustments

Maximum Rebate/Buy

FHA 203K Streamline Price Adjustments

Maximum Rebate/Buy


30/25 Yr Fixed 20 Yr Fixed 15 Yr Fixed

Rate 15 30 Rate 15 30 Rate 15 30 Owner Occupied4.625% (6.125) (5.875) 4.500% (6.375) (6.125) 4.250% (5.375) (5.125) * Purchase to 95% LTV4.500% (5.500) (5.250) 4.375% (6.250) (6.000) 4.125% (5.250) (5.000)4.375% (5.625) (5.375) 4.250% (5.750) (5.500) 4.000% (5.250) (5.000) * Rate and Term to 95% LTV4.250% (5.250) (5.000) 4.125% (5.250) (5.000) 3.875% (5.250) (5.000)4.125% (4.625) (4.375) 4.000% (4.875) (4.625) 3.750% (4.875) (4.625) * Cash-out to 80% LTV4.000% (4.125) (3.875) 3.875% (4.875) (4.625) 3.625% (4.500) (4.250)3.875% (4.125) (3.875) 3.750% (4.375) (4.125) 3.500% (4.125) (3.875) * SFR, 1-4 Units, Condo's 3.750% (3.625) (3.375) 3.625% (3.625) (3.375) 3.375% (3.875) (3.625)3.625% (3.000) (2.750) 3.500% (2.625) (2.375) 3.250% (3.625) (3.375) * 620 Minimum Fico 3.500% (2.125) (1.875) 3.375% (1.750) (1.500) 3.125% (3.250) (3.000)3.375% (1.375) (1.125) 3.250% (1.000) (0.750) 3.000% (2.750) (2.500) Non-Owner Occupied3.250% (0.250) 0.000 3.125% (0.875) (0.625) 2.875% (2.000) (1.750) * Purchase to 80% LTV3.125% 0.750 1.000 3.000% 0.250 0.500 2.750% (1.375) (1.125)

* R/T to 75% LTV

Agency Premium 30 3/1 Libor ARM 3/1 Libor ARM-Int Only * C/O to 60% LTVRate 15 30 Start Rate 15 30 Start Rate 15 304.375% (5.625) (5.375) 3.250% 0.000 0.250 3.500% 0.375 0.625 * SFR, 1-4 Units, Condo's 4.250% (5.250) (5.000) 3.125% 0.000 0.250 3.375% 0.375 0.6254.125% (4.500) (4.250) 3.000% 0.125 0.375 3.250% 0.500 0.750 Other4.000% (4.000) (3.750) 2.875% 0.125 0.375 3.125% 0.500 0.7503.875% (3.625) (3.375) 2.750% 0.250 0.500 3.000% 0.625 0.875 * Minimum $50k Loan amount3.750% (3.125) (2.875) 2.625% 0.375 0.625 2.875% 0.625 0.8753.625% (2.500) (2.250) 2.500% 0.500 0.750 2.750% 0.750 1.000 * Full Doc 3.500% (1.625) (1.375) 2.625% 0.875 1.1253.375% (0.875) (0.625) 2.500% 1.000 1.250 * DU & LP Approvals Accepted

3.250% 0.000 0.2503.125% 1.125 1.375 * Loans w/LTV >80% require MI

* 30 Yr Fixed Interest only also available

5/1 Libor ARM 5/1 Libor ARM-Int Only 7/1 Libor ARMStart Rate 15 30 Start Rate 15 30 Start Rate 15 303.375% (0.750) (0.500) 2.625% (1.250) (1.000) 3.750% (0.875) (0.625)3.250% (0.750) (0.500) 2.500% (1.125) (0.875) 3.625% (0.875) (0.625) AGENCY PREMIUM3.125% (1.000) (0.750) 3.500% (0.750) (0.500)3.000% (2.125) (1.875) 3.375% (1.875) (1.625) * Owner Occ to 97% LTV2.875% (2.000) (1.750) 3.250% (1.875) (1.625)2.750% (1.875) (1.625) 3.125% (1.750) (1.500) * Second Homes to 90% LTV2.625% (1.750) (1.500) 3.000% (1.625) (1.375)2.500% (1.625) (1.375) 2.875% (1.625) (1.375) * Purchase & Rate and Term

2.750% (1.500) (1.250) Refi's

* SFR, PUD's, and Condos

* 620 Minimum Credit Score2.25 Margin, 5/2/5 Caps

7/1 Libor ARM-Int Only 10/1 Libor ARM * up 417,000 Loan amountStart Rate 15 30 Start Rate 15 303.125% (1.250) (1.000) 3.250% (1.625) (1.375) * 10, 15, 20, 25 Yr Fixed also 3.000% (1.125) (0.875) 3.125% (1.375) (1.125) available

3.000% (1.125) (0.875)

Start Rate 15 30 Start Rate 15 30 Start Rate 15 30

4.375% (5.250) (5.000) 3.875% (5.000) (4.750) 3.750% (0.875) (0.625)

4.250% (4.875) (4.625) 3.750% (4.625) (4.375) 3.625% (0.750) (0.500)

4.125% (4.125) (3.875) 3.625% (4.250) (4.000) 3.500% (0.750) (0.500)

4.000% (3.750) (3.500) 3.500% (3.875) (3.625) 3.375% (0.625) (0.375)

3.875% (3.250) (3.000) 3.375% (3.625) (3.375) 3.250% (0.750) (0.500)

3.750% (2.750) (2.500) 3.250% (3.250) (3.000) 3.125% (0.625) (0.375)

3.625% (1.875) (1.625) 3.125% (2.875) (2.625) 3.000% (1.500) (1.250)

3.500% (1.000) (0.750) 3.000% (2.250) (2.000) 2.875% (1.375) (1.125)

3.375% 0.000 0.250 2.875% (1.500) (1.250)

3.250% 1.000 1.250 2.750% (0.750) (0.500)







Underwriting Highlights


AGENCY

FNMA/FHLMC


Agency TX Home Eq 30 Agency TX Home Eq 15 Agency TX Home Eq 7/1


Loan Amount: Credit Score:

* Loans $100k-$139,999 0.250 * Fico Scores >=740 & LTV >75-95% 0.250

* Loans $75k-$99,999 0.375 * Fico Scores 720-739 & LTV >70-75% 0.250

* Loans $50k - $74,999 0.500 * Fico Scores 720-739 & LTV >75-95% 0.500

* Loans $30k-$49,999 1.250 * Fico Scores >=700 & LTV <= 60% -0.250

Property Type: * Fico Scores 700-719 & LTV >70-75% 0.750

* 2 Units 1.250 * Fico Scores 700-719 & LTV >75-95% 1.000

* 3-4 Units 1.500 * Fico Scores 680-719 & LTV >60%-70% 0.500

* Condo >75% LTV (applicable only to terms >15 yrs) 0.750 * Fico Scores 680-699 & LTV >70-75% 1.250

Occupancy: * Fico Scores 680-699 & LTV >75-80% 1.750

* Contact Secondary on NOO for possible daily price improvements * Fico Scores 680 -699 & LTV >80% - 85% 1.500

* N/O/O up to 75% LTV 2.000 * Fico Scores 680 -699 & LTV >85% - 95% 1.250

* N/O/O LTV 75.01% to 80% 3.250 * Fico Scores 660-679 & LTV >60-70% 1.000

Subordinate Financing: * Fico Scores 660-679 & LTV >70-75% 2.250

* LTV <=65% & CLTV 80.01-95% & Fico <720 (Non IO) 0.500 * Fico Scores 660-679 & LTV >75-80% 2.750

* LTV <=65% & CLTV 80.01-95% & Fico > =720 (Non IO) 0.250 * Fico Scores 660 -679 & LTV >80% - 85% 2.750

* LTV 65.01-75% & CLTV 80.01-95% & Fico <720 (Non IO) 0.750 * Fico Scores 660 -679 & LTV >85% - 95% 2.250

* LTV 65.01-75% & CLTV 80.01-95% & Fico >=720 (Non IO) 0.500 * Fico Scores 640-659 & LTV <=60% 0.500

* LTV 75.01-95% & CLTV 76.01-95% & Fico <720 (Non IO) 1.000 * Fico Scores 640-659 & LTV >60-70% 1.250

* LTV 75.01-95% & CLTV 76.01-95% & Fico >=720 (Non IO) 0.750 * Fico Scores 640-659 & LTV >70-75% 2.750

Miscellaneous: * Fico Scores 640-659 & LTV >75-80% 3.000

* Escrow Waiver (CA Only) 0.150 * Fico Scores 620-639 & LTV <=60% 0.750

* Escrow Waiver (all other states) 0.250 * Fico Scores 620-639 & LTV >60-70% 1.500

* ARMs LTV 90.01-95% 0.250 * Fico Scores 620-639 & LTV >70-80% 3.000

* Down Payment Asst Prgrms 0.375 Additional Adds for Interest only loans

Credit Score (additional to all other adj): LTV:

* Fico Scores 680-739 0.125 * Fixed Rate w/LTV <=90% 0.750

* Fico Scores 620-679 0.250 * ARMs w/LTV <=90% 0.250

Additional Adds for Cash-out loans (Excluding the TX Home Equity)

* Fico Scores >=680 & LTV <=60% 0.250

* Fico Scores >=740 & LTV 60.01-75% 0.250

* Fico Scores >=740 & LTV 75.01-80% 0.500

Additional C/O Adds for TX Home Equity loans * Fico Scores 700-739 & LTV 60.01-75% 1.125

* Fico Scores >=740 & LTV 60.01-75% 0.250 * Fico Scores 700-739 & LTV 75.01-80% 1.250

* Fico Scores >=740 & LTV 75.01-80% 0.500 * Fico Scores 680-699 & LTV 75.01-80% 1.875

* Fico Scores 700-739 & LTV 60.01-75% 0.625 * Fico Scores 680-699 & LTV 60.01-75% 1.250

* Fico Scores 700-739 & LTV 75.01-80% 0.750 * Fico Scores 660-679 & LTV <=60% 1.500



* Fico Scores 660-679 & LTV <=60% 0.250 * Fico Scores 640-659 & LTV 75.01-80% 3.250

* Fico Scores 660-679 & LTV 60.01-75% 0.750 * Fico Scores 620-659 & LTV <=60% 2.000



* Fico Scores 640-659 & LTV <=60% 0.250 Max Rebate

* Fico Scores 640-659 & LTV 60.01-75% 1.250 Agency Fixed 104.000

Loan Amount:

* Loans $100k-$139,999 0.250 Credit Score:

* Loans $75k-$99,999 0.375 * Fico Scores >=740 % LTV >80% - 95% 0.250

* Loans $50k - $74,999 0.500 * Fico Scores >=740 % LTV >95% 0.750

* Loans $30k-$49,999 1.250 * Fico Scores 720 -739 & LTV >80% - 95% 0.500

Property Type: * Fico Scores 720 -739 & LTV >95% 1.000

* Condo >75% LTV (applicable only to terms >15 yrs) 0.750 * Fico Scores 700 -719 & LTV >80% - 95% 1.000

Subordinate Financing: * Fico Scores 700 -719 & LTV >95% 1.000

* LTV >75% & CLTV 76.01-95% 0.750 * Fico Scores 680 -699 & LTV >80% - 85% 1.500

* CLTV >95% 1.500 * Fico Scores 680 -699 & LTV >85% - 95% 1.250

Additional Adds for Cash-out loans * Fico Scores 680 -699 & LTV >95% 1.125

* Fico Scores >=740 & LTV 80.01-85% 0.625 * Fico Scores 660 -679 & LTV >80% - 85% 2.750

* Fico Scores 700-739 & LTV 80.01-85% 2.000 * Fico Scores 660 -679 & LTV >85% - 95% 2.250




Miscellaneous: Max Rebate

* Escrow Waiver (CA Only) 0.150 Agency Premium Fixed 104.000

* Escrow Waiver (all other states) 0.250


Credit Score (additional to all other adj):

* Fico Scores 680-739 0.125

* Fico Scores 620-679 0.250


* Plan C1 1.000 * Plan C9 3.000

* Plan C2 1.250 * Plan C10 3.250

* Plan C3 1.500 * Plan C11 3.500


* Plan C5 2.000 * Plans C1 - C11 0.125

* Plan C6 2.250 * Plans C1 - C10 0.250

* Plan C7 2.500 * Plans C1 - C10 0.375

* Plan C8 2.750




AGENCY

Agency Premium Price Adjustments

Applicable to Terms >15 Yrs


PRICE ADJUSTMENTS

Applicable to All Applicable to all except: Terms <=15 Yrs

Agency & Agency TX Home Equity Price Adjustments



Agency NO MI 30 Yr Agency NO MI 20 Yr Agency NO MI 15 Yr Rate 15 30 Rate 15 30 Rate 15 304.625% (4.375) (4.125) 4.375% (4.500) (4.250) 4.000% (3.625) (3.375) AGENCY NO MI4.500% (3.750) (3.500) 4.250% (4.125) (3.875) 3.875% (3.500) (3.250)4.375% (3.875) (3.625) 4.125% (3.500) (3.250) 3.750% (3.125) (2.875) * Maximum 95% LTV4.250% (3.500) (3.250) 4.000% (3.125) (2.875) 3.625% (2.750) (2.500)4.125% (2.875) (2.625) 3.875% (3.125) (2.875) 3.500% (2.250) (2.000) * 620 Minimum Credit Score4.000% (2.375) (2.125) 3.750% (2.625) (2.375) 3.375% (2.125) (1.875)3.875% (2.375) (2.125) 3.625% (2.000) (1.750) 3.250% (1.875) (1.625) * Purchase, Rate and Term 3.750% (1.875) (1.625) 3.500% (1.000) (0.750) 3.125% (1.625) (1.375) and Cash Out Refinances3.625% (1.250) (1.000) 3.375% 0.000 0.250 3.000% (1.000) (0.750)3.500% (0.375) (0.125) 3.250% 0.750 1.000 2.875% (1.250) (1.000)3.375% 0.375 0.625 3.125% 0.875 1.125 2.750% (0.625) (0.375)

Agency NO MI 5/1 L Start Rate 15 30 Start Rate 15 30 Start Rate 15 30

3.625% 1.125 1.375 3.750% 1.125 1.375 3.250% 0.375 0.6253.500% 1.125 1.375 3.625% 1.125 1.375 3.125% 0.625 0.8753.375% 1.250 1.500 3.500% 1.250 1.500 3.000% 0.875 1.125

3.250% 1.250 1.500 3.375% 0.125 0.3753.125% 1.000 1.250 3.250% 0.125 0.3753.000% (0.125) 0.125 3.125% 0.250 0.5002.875% 0.000 0.250 3.000% 0.375 0.6252.750% 0.125 0.375 2.875% 0.375 0.6252.625% 0.250 0.500 2.750% 0.500 0.7502.500% 0.375 0.625




Agency No MI

AGENCY


Agency NO MI 7/1 L Agency NO MI 10/1 L

2.25 Margin, 5/2/5 Caps 2.25 Margin, 5/2/5 Caps 2.25 Margin, 5/2/5 Caps


Loan Amount: Applicable to Fixed Rate Terms:* Loans $100k-$139,999 0.250 * LTV 80.01-85% w/Fico Score >=740 0.250

* Loans $75k-$99,999 0.375 * LTV 80.01-85% w/Fico Score 720-739 0.625

* Loans $50k - $74,999 0.500 * LTV 80.01-85% w/Fico Score 700-719 1.375

* Loans $30k-$49,999 1.250 * LTV 80.01-85% w/Fico Score 680-699 1.875

Property Type: * LTV 80.01-85% w/Fico Score 660-679 3.250

* Condo >75% LTV (applicable only to terms >15 yrs) 0.750 * LTV 80.01-85% w/Fico Score 620-659 3.750

Credit Score (additional to all other adj): * LTV 85.01-90% w/Fico Score >=740 0.625

* Fico Scores 680-739 0.125 * LTV 85.01-90% w/Fico Score 720-739 1.250

* Fico Scores 620-679 0.250 * LTV 85.01-90% w/Fico Score 700-719 2.250

Occupancy: * LTV 85.01-90% w/Fico Score 680-699 2.500

* Second Home & Fico Score >=740 0.250 * LTV 85.01-90% w/Fico Score 660-679 3.875

* Second Home & Fico Score 720-739 0.500 * LTV 85.01-90% w/Fico Score 640-659 4.375

* Second Home & Fico Score 680-719 0.750 * LTV 85.01-90% w/Fico Score 620-639 4.875

* Second Home & Fico Score 620-679 1.250 * LTV 90.01-95% w/Fico Score >= 740 1.375

Subordinate Financing: * LTV 90.01-95% w/Fico Score 720-739 1.875

* CLTV 80.01-95% & Fico >=720 0.750 * LTV 90.01-95% w/Fico Score 700-719 3.250

* CLTV 80.01-95% & Fico<720 1.000 * LTV 90.01-95% w/Fico Score 680-699 3.500

Miscellaneous: * LTV 90.01-95% w/Fico Score 660-679 5.500

* Escrow Waiver (CA Only) 0.150 * LTV 90.01-95% w/Fico Score 640-659 6.500

* Escrow Waiver (all other states) 0.250 * LTV 90.01-95% w/Fico Score 620-639 7.000

* Rate & Term Refinance & Fico Score 680-719 0.500 Applicable to ARM Terms:* Rate & Term Refinance & Fico Score 620-679 1.000 * LTV 80.01-85% w/Fico Score >=740 0.250

* Down Payment Asst Prgrms 0.375 * LTV 80.01-85% w/Fico Score 720-739 0.875

* ARMs LTV 90.01-95% 0.250 * LTV 80.01-85% w/Fico Score 700-719 1.625

Applicable to Terms <= 25 Years: * LTV 80.01-85% w/Fico Score 680-699 2.125

* 25, 20, 15, 10 Year Terms -0.250 * LTV 80.01-85% w/Fico Score 660-679 3.500

Additional Adds for Cash-out loans * LTV 80.01-85% w/Fico Score 620-659 4.250

* Fico Scores >=740 & LTV 80.01-85% 0.625 * LTV 85.01-90% w/Fico Score >=740 1.000

* Fico Scores 720-739 & LTV 80.01-85% 2.750 * LTV 85.01-90% w/Fico Score 720-739 1.750





Max Rebate * LTV 85.01-90% w/Fico Score 620-639 5.500

Agency NO MI Fixed 104.000 * LTV 90.01-95% w/Fico Score >= 740 1.875

* LTV 90.01-95% w/Fico Score 720-739 2.625

* LTV 90.01-95% w/Fico Score 700-719 4.000

* LTV 90.01-95% w/Fico Score 680-699 4.500

* LTV 90.01-95% w/Fico Score 660-679 6.500

* LTV 90.01-95% w/Fico Score 640-659 7.500

* LTV 90.01-95% w/Fico Score 620-639 8.000


* Plan C1 1.000 * Plan C9 3.000

* Plan C2 1.250 * Plan C10 3.250

* Plan C3 1.500 * Plan C11 3.500


* Plan C5 2.000 * Plans C1 - C11 0.125

* Plan C6 2.250 * Plans C1 - C10 0.250

* Plan C7 2.500 * Plans C1 - C10 0.375

* Plan C8 2.750


AGENCY



PRICE ADJUSTMENTSAgency NO MI Price Adjustments



Agency High Bal - 30 Yr Agency High Bal - 15 Yr Rate 15 30 Rate 15 30 Rate 15 30 Owner Occupied4.375% (3.875) (3.625) 4.125% (2.875) (2.625) 3.000% 0.000 0.250 * Purchase to 90% LTV4.250% (3.375) (3.125) 4.000% (2.625) (2.375) 2.875% 0.000 0.2504.125% (2.750) (2.500) 3.875% (2.500) (2.250) 2.750% (1.625) (1.375) * Rate and Term to 90% LTV4.000% (2.875) (2.625) 3.750% (2.250) (2.000) 2.625% (1.375) (1.125)3.875% (2.875) (2.625) 3.625% (2.000) (1.750) 2.500% (1.125) (0.875) * Cash-out to 60% LTV3.750% (2.375) (2.125) 3.500% (1.625) (1.375)3.625% (1.625) (1.375) 3.375% (2.750) (2.500) * SFR, 1-4 Units, Condo's 3.500% (0.750) (0.500) 3.250% (2.625) (2.375)3.375% 0.375 0.625 3.125% (2.500) (2.250)3.250% 1.375 1.625 3.000% (2.125) (1.875)3.125% 2.125 2.375 2.875% (1.500) (1.250) Non-Owner Occupied3.000% 3.000 3.250 2.750% (0.875) (0.625) * Purchase to 65% LTV2.875% 3.875 4.125

* R/T to 65% LTV

Agency High Bal - 7/1 ARM * SFR, 1-4 Units, Condo's Rate 15 30 Rate 15 30 Start Rate 15 30

4.375% (1.625) (1.375) 3.875% (1.125) (0.875) 3.500% 0.375 0.6254.250% (1.125) (0.875) 3.750% (1.000) (0.750) 3.375% 0.375 0.6254.125% (0.500) (0.250) 3.625% (0.750) (0.500) 3.250% 0.375 0.625 Agency No MI HB4.000% (0.625) (0.375) 3.500% (0.375) (0.125) 3.125% 0.375 0.6253.875% (0.625) (0.375) 3.375% (1.500) (1.250) 3.000% (1.500) (1.250) * Minimum $50k Loan amount3.750% (0.125) 0.125 3.250% (1.250) (1.000) 2.875% (1.250) (1.000)3.625% 0.625 0.875 3.125% (1.000) (0.750) 2.750% (0.875) (0.625) * Full Doc 3.500% 1.500 1.750 3.000% (0.375) (0.125) 2.625% (0.375) (0.125)3.375% 2.625 2.875 2.875% 0.375 0.625 2.500% 0.125 0.375 * DU Approvals Only 3.250% 3.625 3.875 2.750% 1.125 1.3753.125% 4.375 4.625 * 720 Minimum Fico 3.000% 5.250 5.5002.875% 6.125 6.375

Rate 15 30 Rate 15 30 Start Rate 15 30 Owner Occupied4.625% (2.375) (2.125) 3.625% (1.375) (1.125) 3.500% 0.375 0.625 * Purchase to 90% LTV4.500% (2.250) (2.000) 3.500% (1.250) (1.000) 3.375% 0.375 0.6254.375% (2.000) (1.750) 3.375% (1.000) (0.750) 3.250% 0.375 0.625 * Rate and Term to 90% LTV4.250% (1.500) (1.250) 3.250% (0.625) (0.375) 3.125% 0.125 0.3754.125% (2.625) (2.375) 3.125% (2.500) (2.250) * Cash-out to 60% LTV4.000% (2.625) (2.375) 3.000% (2.125) (1.875)3.875% (2.250) (2.000) 2.875% (1.500) (1.250) * SFR, 1-4 Units, PUD's, Condo's 3.750% (1.750) (1.500) 2.750% (0.875) (0.625)3.625% (1.125) (0.875)3.500% (0.250) 0.0003.375% 0.500 0.750 Non-Owner Occupied3.250% 1.375 1.625 * Purchase to 65% LTV

* R/T to 65% LTV


FHLMC Super Conf - 15 Yr FHLMC Super Conf - 5/1 ARM Underwriting Highlights






FNMA/FHLMCUnderwriting HighlightsAgency High Bal - 5/1 ARM

Agency No MI High Bal 30 Agency No MI High Bal 15

AGENCY HIGH BALANCE

Freddie Mac Super ConformingFHLMC Super Conf - 30 Yr


LTV:

* N/O/O up to 65% LTV 1.750 Credit Score:

Loan Purpose: * Fico Scores >=740 & LTV 75.01-90% 0.250

* Cash-out Refi 1.000 * Fico Scores 720-739 & LTV 75.01-90% 0.500

Property Type: * Fico Scores 720-739 & LTV 70.01-75% 0.250

* 2 Units 1.000 * Fico Scores >=700 & LTV <= 60% -0.250

* 3-4 Units 1.500 * Fico Scores 700-719 & LTV 70.01-75% 0.750

* Condo >75% LTV 0.750 * Fico Scores 700-719 & LTV 75.01-90% 1.000

Subordinate Financing: * Fico Scores 680-719 & LTV 60.01-70% 0.500

* LTV <=65% & CLTV 80.01-95% & Fico <720 0.500 * Fico Scores 680-699 & LTV 70.01-75% 1.250

* LTV <=65% & CLTV 80.01-95% & Fico > =720 0.250 * Fico Scores 680-699 & LTV 75.01-80% 1.750

* LTV 65.01-75% & CLTV 80.01-95% & Fico <720 0.750 * Fico Scores 680-699 & LTV 80.01-85% 1.500

* LTV 65.01-75% & CLTV 80.01-95% & Fico >=720 0.500 * Fico Scores 680-699 & LTV 85.01-90% 1.250

* LTV 75.01-80% & CLTV 76.01-95% & Fico <720 1.000 * Fico Scores 660-679 & LTV 60.01-70% 1.000

* LTV 75.01-80% & CLTV 76.01-95% & Fico >=720 0.750 * Fico Scores 660-679 & LTV 70.01-75% 2.125

Miscellaneous: * Fico Scores 660-679 & LTV 75.01-80% 2.625

* Escrow Waiver (CA Only) 0.150 * Fico Scores 660-679 & LTV 80.01-85% 2.750

* Escrow Waiver (all other states) 0.250 * Fico Scores 660-679 & LTV 85.01-90% 2.250

* Down Payment Asst Prgrms 0.375 * Fico Scores 620-659 & LTV <= 60% 0.500

* Fico Scores 640-659 & LTV 60.01-70% 1.250

* Fico Scores 640-659 & LTV 70.01-75% 2.625

Credit Score (additional to all other adj): * Fico Scores 640-659 & LTV 75.01-80% 3.000

* Fico Scores 680-739 0.125 * Fico Scores 640-659 & LTV 80.01-85% 3.250

* Fico Scores 660-679 0.250 * Fico Scores 640-659 & LTV 85.01-90% 2.750

Max Rebate * Fico Scores 620-639 & LTV 60.01-70% 1.500

Agency High Balance Fixed 104.000 * Fico Scores 620-639 & LTV 70.01-80% 3.000

* Fico Scores 620-639 & LTV 80.01-90% 3.250

Property Type: Applicable to All:

* Condo (applicable only to terms >15 yrs) 0.750 * LTV 80.01-85% w/Fico Score >=740 0.250

Miscellaneous: * LTV 80.01-85% w/Fico Score 720-739 1.125

* Escrow Waiver (CA Only) 0.150 * LTV 80.01-85% w/Fico Score 700-719 2.375

* Escrow Waiver (all other states) 0.250 * LTV 80.01-85% w/Fico Score 680-699 2.875

* Rate & Term Refinance & Fico Score 700-719 0.500 * LTV 80.01-85% w/Fico Score 660-679 5.000

* Down Payment Asst Prgrms 0.375 * LTV 80.01-85% w/Fico Score 640-659 5.500

* LTV 80.01-85% w/Fico Score 620-639 5.750

* LTV 85.01-90% w/Fico Score >=740 0.625

* LTV 85.01-90% w/Fico Score 720-739 1.750

* LTV 85.01-90% w/Fico Score 700-719 2.250

* LTV 85.01-90% w/Fico Score 680-699 3.500

* LTV 85.01-90% w/Fico Score 660-679 5.625

* LTV 85.01-90% w/Fico Score 640-659 6.125

* LTV 85.01-90% w/Fico Score 620-639 6.625

*15 Year Terms -0.250 Credit Score (additional to all other adj):

* Fico Scores 680-739 0.125

Agency NO MI High Balance Fixed 104.000 * Fico Scores 620-679 0.250

LTV:

* N/O/O up to 75% LTV 2.000 Credit Score:

Loan Purpose: * Fico Scores 720-739 & LTV >70-75% 0.250

* Cash-out Refi 1.000 * Fico Scores >=700 & LTV <= 60% -0.250


* 2-4 Units 1.000 * Fico Scores 700-719 & LTV >75% 1.000

Subordinate Financing: * Fico Scores 680-719 & LTV >60%-70% 0.500

* LTV <=65% & CLTV 80.01-90% & Fico <720 0.500 * Fico Scores 680-699 & LTV >70-75% 1.250

* LTV <=65% & CLTV 80.01-90% & Fico > =720 0.250 * Fico Scores 660-679 & LTV >60-70% 1.000

* LTV 65.01-75% & CLTV 80.01-90% & Fico <720 0.750 * Fico Scores 660-679 & LTV >70-75% 2.250

* LTV 65.01-75% & CLTV 80.01-90% & Fico >=720 0.500

Miscellaneous: FHLMC Super Conforming Fixed 104.000

* Escrow Waiver (CA Only) 0.150


* ARMs w/LTV <= 75% 0.750

Additional Adds for Cash-out loans* Fico Scores >=740 & LTV 60.01-75% 0.250

* Fico Scores 700-739 & LTV 60.01-75% 0.625

* Fico Scores 660-699 & LTV 60.01-75% 0.750

* Fico Scores 620-679 & LTV <=60% 0.250

* Fico Scores 620-659 & LTV 60.01-75% 1.250

Credit Score (additional to all other adj):* Fico Scores 680-739 0.125

* Fico Scores 620-679 0.250


* Plan C1 1.000 * Plan C9 3.000

* Plan C2 1.250 * Plan C10 3.250

* Plan C3 1.500 * Plan C11 3.500


* Plan C5 2.000 * Plans C1 - C11 0.125

* Plan C6 2.250 * Plans C1 - C10 0.250

* Plan C7 2.500 * Plans C1 - C10 0.375

* Plan C8 2.750



Applicable to Terms <= 25 Years:

FHLMC Super Conforming Price Adjustments


Max Rebate

Max Rebate



PRICE ADJUSTMENTS

Applicable to All Terms


AGENCY

Agency High Balance Price Adjustments


Agency NO MI High Balance Price Adjustments


30 Yr Fixed 15 Yr FixedRate 15 30 Rate 15 30 Rate 15 304.250% (4.375) (4.125) 3.875% (3.875) (3.625) 4.125% (1.750) (1.500) Homepath Conforming4.125% (3.750) (3.500) 3.750% (3.625) (3.375) 4.000% (1.750) (1.500) Owner Occupied4.000% (3.250) (3.000) 3.625% (3.250) (3.000) 3.875% (1.500) (1.250) * Purchase to 97% LTV3.875% (2.875) (2.625) 3.500% (2.750) (2.500) 3.750% (1.000) (0.750) * SFR, 1-4 Units, Condo's 3.750% (2.375) (2.125) 3.375% (2.500) (2.250) 3.625% (0.375) (0.125) * No Mortgage Insurance3.625% (1.750) (1.500) 3.250% (2.250) (2.000) 3.500% 0.500 0.750 * Max DTI 50%3.500% (0.875) (0.625) 3.125% (1.750) (1.500) 3.375% 1.375 1.625 * No Mortgage Insurance3.375% (0.125) 0.125 3.000% (1.125) (0.875) 3.250% 2.125 2.375 * 620 Minimum Fico 3.250% 0.750 1.000 2.875% (0.500) (0.250) 3.125% 3.000 3.250 Non-Owner Occupied3.125% 1.875 2.125 2.750% 0.125 0.375 3.000% 3.875 4.125 * Purchase to 85% LTV3.000% 2.750 3.000 2.875% 4.750 5.000 * SFR, 1-4 Units, Condo's 2.875% 3.625 3.875 2.750% 5.625 5.875 * 620 Minimum Fico 2.750% 4.500 4.750 * Purchase to 85% LTV

* Max DTI 50%

Homepath High Balance Rate 15 30 Rate 15 30 Rate 15 303.000% (1.375) (1.125) 3.375% (1.125) (0.875) 2.750% (0.875) (0.625) Owner Occupied2.875% (1.250) (1.000) 3.250% (1.000) (0.750) 2.625% (0.625) (0.375) * Purchase to 90% LTV2.750% (1.125) (0.875) 3.125% (1.000) (0.750) 2.500% (0.375) (0.125) * SFR, 1-4 Units, Condo's 2.625% (1.000) (0.750) 3.000% (0.875) (0.625) * No Mortgage Insurance2.500% (0.875) (0.625) 2.875% (0.750) (0.500) * Max DTI 50%

2.750% (0.625) (0.375) * 660 Minimum Fico

Non-Owner Occupied* Purchase to 65% LTV* SFR, 1-4 Units, Condo's * 740 Minimum Fico * Max DTI 50%

Rate 15 30 Rate 15 304.250% (4.875) (4.625) 3.625% (4.250) (4.000)

4.125% (4.375) (4.125) 3.500% (3.750) (3.500)4.000% (3.875) (3.625) 3.375% (3.625) (3.375) * Max LTV 125%3.875% (3.875) (3.625) 3.250% (3.375) (3.125) * Max CLTV 125%3.750% (3.375) (3.125) 3.125% (3.000) (2.750) * No Mortgage Insurance3.625% (2.625) (2.375) 3.000% (2.500) (2.250) * 660 Min Fico, Owner Occ3.500% (1.875) (1.625) 2.875% (1.750) (1.500)3.375% (1.000) (0.750) 2.750% (1.125) (0.875)

Rate 15 30 Rate 15 30

4.250% (4.875) (4.625) 3.625% (4.000) (3.750)

4.125% (4.250) (4.000) 3.500% (3.500) (3.250)4.000% (3.625) (3.375) 3.375% (3.375) (3.125)3.875% (3.625) (3.375) 3.250% (3.125) (2.875)3.750% (3.125) (2.875) 3.125% (2.750) (2.500)3.625% (2.375) (2.125) 3.000% (2.250) (2.000)3.500% (1.500) (1.250) 2.875% (1.500) (1.250)3.375% (0.375) (0.125) 2.750% (0.875) (0.625)

Rate 15 30 Rate 15 30

4.250% (4.250) (4.000) 4.000% (3.625) (3.375)

4.125% (3.625) (3.375) 3.875% (3.250) (3.000)4.000% (2.875) (2.625) 3.750% (2.875) (2.625)3.875% (2.625) (2.375) 3.625% (2.250) (2.000)3.750% (2.125) (1.875) 3.500% (1.625) (1.375)3.625% (1.500) (1.250) 3.375% (0.875) (0.625)3.500% (0.750) (0.500) 3.250% (0.125) 0.125

3.375% 0.125 0.375 3.125% 1.625 1.875


20 Yr >105% LTV


30 Yr >105% LTV


DU Refi Plus

7/1 Libor ARM

DU Refi Plus 2.030 Yr Fixed <=80% LTV 15 Yr Fixed <=80% LTV

30 Yr 80.01%-105% LTV 15 Yr 80.01%-105% LTV



High Balance - 5/1 ARM


5/1 Libor ARM

AGENCY

HomepathUnderwriting HighlightsHigh Balance - 30 Yr



Applicable to all except: Terms <=15 Yrs


* Loans $100k-$139,999 0.250 * Fico Scores >740 & LTV >75 0.250


* Loans $50k - $74,999 0.500 * Fico Scores 720-739 & LTV >75 0.500



* 2-4 Units 1.000 * Fico Scores 700-719 & LTV >75% 1.000

* Condo & LTV >75% (excluding 15 Yr term) 0.750 * Fico Scores 680-719 & LTV >60%-70% 0.500

LTV: * Fico Scores 680-699 & LTV >70-75% 1.250

*LTV >80%-85% 1.000 * Fico Scores 680-699 & LTV >75-80% 1.750



*LTV >95% 3.250 * Fico Scores 680-699 & LTV >95-97% 1.000

*LTV >95% (w/o Sub Fin, in addition to above) 0.500 * Fico Scores 660-679 & LTV >60-70% 1.000

*LTV >90%(ARMs Only) 0.250 * Fico Scores 660-679 & LTV >70-75% 2.000


* N/O/O up to 75% LTV 1.750 * Fico Scores 660-679 & LTV >80-85% 2.750

* N/O/O > 75% - 80% LTV 2.000 * Fico Scores 660-679 & LTV >85-95% 2.250

* N/O/O > 80% LTV 2.500 * Fico Scores 660-679 & LTV >95-97% 1.750

Subordinate Financing: * Fico Scores 640-659 & LTV <=60% 0.500

* LTV <=65% & CLTV 80.01-90% (Non IO) 0.500 * Fico Scores 640-659 & LTV >60-70% 1.250

* LTV 65.01-75% & CLTV 80.01-90% (Non IO) 0.750 * Fico Scores 640-659 & LTV >70-75% 2.500

* LTV 75.01-80% & CLTV 90.01-95% (Non IO) 1.000 * Fico Scores 640-659 & LTV >75-80% 3.000

Miscellaneous: * Fico Scores 620-639 & LTV <=60% 0.500

* Escrow Waiver (CA Only) 0.150 * Fico Scores 620-639 & LTV >60-70% 1.500

* Escrow Waiver (all other states) 0.250 * Fico Scores 620-639 & LTV >70-80% 3.000


* Fico Scores 680-739 0.125 * All Homepath programs 104.000

* Fico Scores 620-679 0.250

Applicable to All:

Property Type: Credit Score:

* 2-4 Units 1.000 * Fico Scores >740 & LTV >75 0.250

* Condo & LTV >75% 0.750 * Fico Scores 720-739 & LTV >70-75% 0.250


*LTV >80%-85% 1.000 * Fico Scores >=700 & LTV <= 60% -0.250



* N/O/O up to 75% LTV 1.750 * Fico Scores 680-719 & LTV >60%-70% 0.500

Subordinate Financing: * Fico Scores 680-699 & LTV >70-75% 1.250

* LTV >75%-90% & CLTV >75%-90% w/FICO <720 1.000 * Fico Scores 660-679 & LTV >60-70% 1.000

* LTV >75%-90% & CLTV >75%-90% w/FICO >=720 0.750 * Fico Scores 660-679 & LTV >70-75% 2.000

Miscellaneous:

* Escrow Waiver (CA Only) 0.150



* Fico Scores 680-739 0.125 * All Homepath programs 103.000

* Fico Scores 620-679 0.250




* Loans $75k-$99,999 0.375 * Fico Scores 700-719 & LTV <= 60% -0.250

* Loans $50k - $74,999 0.500 * Fico Scores 700-719 & LTV >60% 0.500



* Condo & LTV >75% 0.750 * Fico Scores 680-699 & LTV >95% 0.500



*LTV >97% 1.000 * Fico Scores 660-679 & LTV >75-95% 1.750

*LTV >105% 2.000 * Fico Scores 660-679 & LTV >95% 1.250

Subordinate Financing: Miscellaneous:

* CLTV 75.01% - 90% & Fico <720 0.250 * Escrow Waiver (CA Only) 0.150

* CLTV 90.01% - 95% & Fico >=720 0.250 * Escrow Waiver (all other states) 0.250

* CLTV 90.01% - 95% & Fico <720 0.500 * State Adjust: 30 Yr term in MA only 0.250

* CLTV >95% 1.500 * State Adjust: 20, 15, 10 Yr terms in MA only 0.750

DU Refi Plus Fixed & DU Refi High Balance Fixed 104.000


* Plan C1 1.000 * Plan C9 3.000

* Plan C2 1.250 * Plan C10 3.250

* Plan C3 1.500 * Plan C11 3.500


* Plan C5 2.000 * Plans C1 - C11 0.125

* Plan C6 2.250 * Plans C1 - C10 0.250

* Plan C7 2.500 * Plans C1 - C10 0.375

* Plan C8 2.750



PRICE ADJUSTMENTSHomepath/Homepath EA I Price Adjustments


Maximum Rebate/Buy

DU Refi Plus 2.0/DU Refi Plus HB 2.0 Price Adjustments


AGENCY

Applicable to All:

Applicable to All

Homepath High Balance Price Adjustments

Applicable to All


Maximum Rebate/Buy

Maximum Rebate/Buy


GM 30 Yr Fixed GM 15/10 Yr Fixed GM 3/1 & 3/6 ARM

Rate 15 30 Rate 15 30 Start Rate 15 30 * 1-2 Unit, Purch/R&T to 65% LTV

4.125% (0.500) (0.250) 3.750% (0.875) (0.625) 3.000% (0.375) (0.125)4.000% (0.125) 0.125 3.625% (0.750) (0.500) 2.990% (0.375) (0.125) * Condos and Attached Puds to 65%LTV

3.990% (0.125) 0.125 3.500% (0.500) (0.250) 2.875% (0.250) 0.0003.875% 0.250 0.500 3.375% (0.250) 0.000 2.750% (0.125) 0.125 * 3-4 Unit, Purch/R&T to 55% LTV

3.750% 0.750 1.000 3.250% 0.125 0.375 2.625% 0.000 0.2503.625% 1.250 1.500 3.125% 0.625 0.875 2.500% 0.250 0.500 * Minimum Ln Amt $417,0013.500% 1.875 2.125 3.000% 1.000 1.250 2.375% 0.500 0.750 * SFR, 1-4 Units, Condo's 3.375% 2.500 2.750 2.990% 1.125 1.375 2.250% 0.750 1.000 * Maximum Ln Amt $2mil3.250% 3.125 3.375 2.875% 1.500 1.750 2.125% 1.125 1.3753.125% 3.875 4.125 2.750% 2.000 2.250 2.000% 1.375 1.625 * Cash-out to 65% LTV3.000% 4.625 4.875 2.625% 2.500 2.750 1.990% 1.375 1.6252.990% 4.625 4.875 2.500% 2.875 3.125 * 1-4 Units,Low & High-Rise 2.875% 5.375 5.625 2.375% 3.500 3.750 Condos, PUDs

2.250% 4.000 4.250

GM 7/1 & 7/6 ARM GM 10/1 & 10/6 ARM * Owner Occ & Second HomesStart Rate 15 30 Start Rate 15 30 Start Rate 15 30

3.125% (0.875) (0.625) 3.250% (0.875) (0.625) 4.125% (1.500) (1.250) * 700 Minimum Fico Required3.000% (0.750) (0.500) 3.125% (0.500) (0.250) 4.000% (1.375) (1.125)2.990% (0.750) (0.500) 3.000% 0.000 0.250 3.990% (1.375) (1.125) * 45% Maximum DTI2.875% (0.500) (0.250) 2.990% 0.000 0.250 3.875% (1.250) (1.000)2.750% (0.125) 0.125 2.875% 0.375 0.625 3.750% (1.125) (0.875) * Full Doc2.625% 0.250 0.500 2.750% 0.750 1.000 3.625% (0.750) (0.500)2.500% 0.625 0.875 2.625% 1.125 1.375 3.500% (0.375) (0.125) * 1st Time Homebuyer allowed2.375% 1.000 1.250 2.500% 1.625 1.875 3.375% 0.000 0.2502.250% 1.375 1.625 2.375% 2.000 2.250 3.250% 0.375 0.625 * No Minimum Tradeline Reqmts.

2.125% 1.750 2.000 2.250% 2.500 2.750 3.125% 0.875 1.1252.125% 2.875 3.125 3.000% 1.250 1.500 * Non Arms Length Trans. Ok2.000% 3.375 3.625 2.990% 1.375 1.625

2.875% 1.750 2.000

SM 30/20 Yr Fixed SM 15 Yr Fixed

Rate 15 30 Rate 15 30 * 1 Unit, Purch/R&T to 80% LTV

4.625% (0.875) (0.625) 4.000% (1.750) (1.500)4.500% (0.500) (0.250) 3.875% (1.250) (1.000) * Condos to 80%LTV4.375% (0.125) 0.125 3.750% (0.875) (0.625)4.250% 0.250 0.500 3.625% (0.375) (0.125) * Minimum Ln Amt $30k4.125% 0.625 0.875 3.500% 0.000 0.2504.000% 1.000 1.250 3.375% 0.500 0.750 * Maximum Ln Amt $2mil3.875% 1.375 1.625 3.250% 0.875 1.1253.750% 2.000 2.250 3.125% 1.375 1.625 * SFR, Condo's, PUDs

3.000% 1.750 2.0002.875% 2.250 2.500 * Owner Occupied Only2.750% 2.625 2.875

* 720 Minimum Fico Required

* 40% Maximum DTI

SM 5/1 ARM * Full Doc

Start Rate 15 30 Start Rate 15 30 Start Rate 15 30

#VALUE! #VALUE! #VALUE! 3.875% (1.750) (1.500) 4.125% (1.875) (1.625) * 1st Time Homebuyer allowed

4.125% (3.000) (2.750) 3.750% (1.375) (1.125) 4.000% (1.500) (1.250)

4.000% (2.625) (2.375) 3.625% (1.000) (0.750) 3.875% (1.125) (0.875) * No Minimum Tradeline Reqmts.

3.875% (2.375) (2.125) 3.500% (0.625) (0.375) 3.750% (0.750) (0.500)

3.750% (2.000) (1.750) 3.375% (0.250) 0.000 3.625% (0.375) (0.125) * Gift Funds allowed

3.625% (1.750) (1.500) 3.250% 0.125 0.375 3.500% 0.000 0.250

3.500% (1.375) (1.125) 3.125% 0.500 0.750 3.375% 0.375 0.625

3.375% (1.125) (0.875) 3.000% 0.875 1.125 3.250% 0.750 1.000

3.250% (0.750) (0.500) 2.875% 1.250 1.500 3.125% 1.125 1.375

3.125% (0.500) (0.250) 2.750% 1.625 1.875 3.000% 1.500 1.750

3.000% (0.125) 0.125 2.625% 2.000 2.250 2.875% 1.875 2.125

2.875% 0.125 0.375 2.500% 2.375 2.625 2.750% 2.250 2.500

2.750% 0.500 0.750 2.375% 2.750 3.000 2.625% 2.625 2.875

Platinum 30 Yr Fixed Platinum 15 Yr Fixed Platinum 5/1 ARMRate 15 30 Rate 15 30 Start Rate 15 30 * Purch/R&T to 80% LTV

4.625% (3.375) (3.125) 3.750% (3.125) (2.875) 3.625% (2.500) (2.250)

4.500% (3.125) (2.875) 3.625% (3.000) (2.750) 3.500% (2.375) (2.125) * Cashout Refi to 75%LTV

4.375% (2.875) (2.625) 3.500% (2.750) (2.500) 3.375% (2.125) (1.875)

4.250% (2.500) (2.250) 3.375% (2.375) (2.125) 3.250% (2.000) (1.750) * Minimum Ln Amt $417,001

4.125% (2.250) (2.000) 3.250% (2.000) (1.750) 3.125% (1.750) (1.500)

4.000% (1.875) (1.625) 3.125% (1.625) (1.375) 3.000% (1.375) (1.125) * Maximum Ln Amt $2mil

3.875% (1.375) (1.125) 3.000% (1.250) (1.000) 2.875% (1.125) (0.875)

3.750% (0.875) (0.625) 2.875% (0.875) (0.625) 2.750% (0.750) (0.500) * SFR, Condo, PUD, 2-4 units

3.625% (0.375) (0.125) 2.750% (0.375) (0.125) 2.625% (0.500) (0.250)

3.500% 0.250 0.500 2.625% 0.125 0.375 2.500% (0.125) 0.125 * Owner Occupied and SH

* 700 Minimum Fico Required

* Full Doc

Platinum 5/1 IO ARMStart Rate 15 30 Start Rate 15 30 Start Rate 15 30

3.625% (1.500) (1.250) 4.125% (2.500) (2.250) 4.125% (1.500) (1.250)

3.500% (1.375) (1.125) 4.000% (2.375) (2.125) 4.000% (1.375) (1.125)

3.375% (1.125) (0.875) 3.875% (2.250) (2.000) 3.875% (1.250) (1.000)

3.250% (1.000) (0.750) 3.750% (2.000) (1.750) 3.750% (1.000) (0.750)

3.125% (0.750) (0.500) 3.625% (1.750) (1.500) 3.625% (0.750) (0.500)

3.000% (0.375) (0.125) 3.500% (1.375) (1.125) 3.500% (0.375) (0.125)

2.875% (0.125) 0.125 3.375% (1.125) (0.875) 3.375% (0.125) 0.125

2.750% 0.250 0.500 3.250% (0.750) (0.500) 3.250% 0.250 0.500

2.625% 0.500 0.750 3.125% (0.375) (0.125) 3.125% 0.625 0.875

2.500% 0.875 1.125 3.000% 0.125 0.375 3.000% 1.125 1.375


2.25 Margin, 2/2/5 Caps 2.25 Margin, 2/2/5 Caps


2.25 Margin, 5/2/5 Caps 2.25 Margin, 5/2/5 Caps

OLYMPIC JUMBO/SILVER MEDALUnderwriting Highlights

SM 7/1 ARM SM 10/1 ARM


OLYMPIC JUMBO/GOLD MEDALUnderwriting Highlights



GM 5/1 & 5/6 ARM

GENERIC JUMBO / CONVENTIONAL NON-CONFORMING


PLATINUM JUMBOUnderwriting Highlights


Platinum 10/1 ARM Platinum 10/1 IO ARM

2.25 Margin, 5/2/5 Caps 2.25 Margin, 5/2/5 Caps 2.25 Margin, 5/2/5 Caps



* Loans <=$1.0mil & LTV <=60% & FICO <720 -0.250 * Loans <=$1.0mil & LTV <=60% & FICO <720 -0.250

* Loans <=$1.0mil & LTV <=60% & FICO >=720 -0.625 * Loans <=$1.0mil & LTV <=60% & FICO >=720 -0.750

* Loans <=$1.0mil & LTV >60%-65% & FICO <720 -0.125 * Loans <=$1.0mil, LTV >60%-65%, FICO <720 -0.125

* Loans <=$1.0mil & LTV >60%-65% & FICO >=720-750 -0.500 * Loans <=$1.0mil, LTV >60%-65%, FICO >=720 -0.750

* Loans <=$1.0mil & LTV >60%-65% & FICO >750 -0.625 * Loans >$1mil-$1.5mil & LTV<=65% -0.750

* Loans >$1.0mil-<=1.5mil & FICO >= 750 -0.625 * Loans>$1m-$1.5m,LTV>60%-65%,FICO>=720-750 -0.625

* Loans >$1.0mil<=1.5mil & LTV<=60% & FICO 720-750 -0.375 * Loans >$1.5mil-$2mil & LTV <=60%, FICO >750 -0.500

* Loans >$1.0mil<=1.5mil & LTV>60%-65% & FICO 720-750 -0.250 * Loans >$1.5mil-$2mil, LTV >60%-65%, FICO >750 -0.375

* Loans >$1.5m-$2m, LTV >60%-65%, FICO 720-750 0.125 * Loans >$1.5m-$2m,LTV <=60%,FICO >=720-750 -0.375

* Loans >$1.5mil-$2mil & LTV <=60%, FICO >750 -0.250 * Loans >$1.5m-$2m,LTV>60%-65%,FICO>=720-750 -0.250

Loan Purpose: Occupancy:

* Cash-out Refi 0.250 * Second Home 0.500

Occupancy: Loan Purpose:

* Second Home 0.500 * Cash-out Refi & LTV <=60% 0.250

Property Type: * Cash-out Refi & LTV >60% 0.375

* 3-4 Units 1.000 Property Type:

*Detached/Site Condo 0.250 * 2 Units 0.250

Miscellaneous: * 3-4 Units 1.000

* Escrow Waiver 0.250 *Detached/Site Condo 0.250

* Purchase Bonus -0.250 Miscellaneous:

* Escrow Waiver 0.125

* Purchase Bonus -0.250

* Gold Medal Fixed w/Ln Amt <=$1mil (0.875) * Gold Medal ARM's w/Ln Amt <=$1mil (0.875)

* Gold Medal Fixed w/Ln Amt >$1mil-$1.5mil (0.750) * Gold Medal ARM's w/Ln Amt >$1mil-$1.5mil (0.750)

* Gold Medal FIxed w/Ln Amt >$1.5mil-$2mil (0.500) * Gold Medal ARM's w/Ln Amt >$1.5mil-$2mil (0.500)

Credit Score: Loan Amount:

* FICO 740-779 & LTV 70.01-80% 0.375 * Loan Amount $140k-$417k 1.000

* FICO 720-739 & LTV 60.01-70% 0.375 * Loans $100k-$139,999 0.750

* FICO 720-739 & LTV 70.01-80% 0.750 * Loans $75k-$99,999 0.875

* Loans $50k - $74,999 1.000* Loans $30k-$49,999 1.750


Balance Change/Tolerance: Credit Score:

* Loan amount change $45,001-$75,000 0.125 * Fico Scores >=740 & LTV/CLTV <=60% (0.250)

* Loan amount change $75,000-$150,000 0.250 * Fico Scores >=740 & LTV/CLTV 60.01% - 65% (0.125)

Property Type: * Fico Scores 700-739 & LTV/CLTV <=60% (0.125)

* 2 -4 Units & LTV/CLTV >70% 0.500 * Fico Scores >=780 & LTV/CLTV 77.51-80% 0.375

Occupancy: * Fico Scores 740-779 & LTV/CLTV 75.01-77.50% 0.250

* Second Home & LTV/CLTV <=60% 0.250 * Fico Scores 740-779 & LTV/CLTV 77.51-80% 0.500

* Second Home & LTV/CLTV 60.01-65% 0.375 * Fico Scores 720-739 & LTV/CLTV 75.01-77.50% 0.625

* Second Home & LTV/CLTV 65.01-75% 0.500 * Fico Scores 720-739 & LTV/CLTV 77.51-80% 1.250

Loan Purpose: * Fico Scores 700-719 & LTV/CLTV 75.01-77.50% 0.875

* Cash Out & LTV/CLTV 70.01-72.50% 0.875 * Fico Scores 700-719 & LTV/CLTV 77.51-80% 1.500

* Cash Out & LTV/CLTV 72.51-75% 1.000

Miscellaneous:

* DTI >40% & LTV/CLTV 72.51-77.50% 0.125

* DTI >40% & LTV/CLTV 77.51-80% 0.250

* Escrow Waiver 0.250 (Price cap is after all LLPAs but before Lender Paid Comp)

* State Adjust (FL/NV/AZ) 0.250 * Platinum Fixed Rate (1.000)

* Platinum 10/1 ARM (0.750)

* Platinum 5/1 or 7/1 ARM (0.750)


* Plan C1 1.000 * Plan C9 3.000

* Plan C2 1.250 * Plan C10 3.250

* Plan C3 1.500 * Plan C11 3.500


* Plan C5 2.000 * Plans C1 - C11 0.125

* Plan C6 2.250 * Plans C1 - C10 0.250

* Plan C7 2.500 * Plans C1 - C10 0.375

* Plan C8 2.750



Applicable to All:

Applicable to All:

Platinum Jumbo Adjustments

Maximum Rebate/Buy Maximum Rebate/Buy

Silver Medal Price Adjustments

Maximum Rebate/Buy


PORTFOLIO


PRICE ADJUSTMENTS

Applicable to Fixed Rate Loans Applicable to ARM Loans

Gold Medal Price Adjustments


prmg wa 2 27 ratesheet

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