Rates - Total Mortgage Wholesale

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