Broker Rate Sheet: 1/3/2019

5/1 ARM - 5yr Fixed, 25yr Adjustable, 30yr Am Purchase Cash-Out and Rate/Term Refinances
Loan Amount up to Loan Amount up to
FICO Points <=55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-80 FICO $750,000 1,000,000 $1,500,000 $2,000,000 $750,000 1,000,000 $1,500,000 $2,000,000
760+ 1.00% 5.40% 6.15% 6.65% 6.80% 6.90% 7.15% 760+ 80% 80% 80% 75% 75% 75% 75% 70%
740-759 1.00% 6.50% 6.65% 6.80% 6.90% 7.05% 7.30% 740-759 80% 80% 80% 75% 75% 75% 75% 70%
720-739 1.00% 6.85% 6.95% 7.05% 7.20% 7.30% 7.55% 720-739 80% 80% 80% 70% 75% 75% 75% 65%
700-719 1.00% 7.10% 7.20% 7.30% 7.45% 7.55% 7.70% 700-719 80% 80% 75% 65% 75% 75% 70% 60%
680-699 1.00% 7.35% 7.45% 7.55% 7.80% 8.05% 8.30% 680-699 80% 75% 70% 60% 75% 70% 65% 55%
660-679 1.00% 7.70% 7.80% 7.90% 8.30% 8.40% 660-679 75% 70% 65% 70% 65% 60%
640-659 1.00% 8.20% 8.30% 8.45% 8.95% 9.20% 640-659 75% 70% 65% 70% 65% 60%
Foreign National 1.00% 8.30% 8.40% 8.65% Foreign National 65% 65% 65% 60% 60% 60%
7/1 ARM Rate Adjustment 0.25%
10/1 ARM Rate Adjustment 0.38%

30yr Fixed Rate, 30yr Am Other LTV Restrictions Loan Terms

Non-Permanent Residents Max 70% LTV Loan Type 5/1, 7/1 ARM, 10/1 ARM, 30yr Fixed
FICO Points <=55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-80 Foreign Nationals Max 65% LTV Loan Term 30 yrs
760+ 1.00% 5.90% 6.55% 7.05% 7.15% 7.30% 7.55% DSCR > 0.85 and < 1.00* -5% LTV Loan Amortization 30 yrs
740-759 1.00% 6.90% 7.05% 7.15% 7.30% 7.40% 7.65% Unleased Refinances -5% LTV Index 1yr Libor
720-739 1.00% 7.20% 7.30% 7.45% 7.55% 7.70% 7.95% Margin 7.00%
700-719 1.00% 7.45% 7.55% 7.70% 7.80% 7.95% 8.05% DSCR Restrictions 5/1 Cap Structure 2/2/5
680-699 1.00% 7.70% 7.80% 7.95% 8.20% 8.45% 8.70% Minimum DSCR: 1.00 Loan amount > $250,000 7/1 Cap Structure 5/2/5
660-679 1.00% 8.05% 8.15% 8.30% 8.65% 8.80% Minimum DSCR: 1.15 Loan amount $100,000 - $250,000 10/1 Cap Structure 5/2/5
640-659 1.00% 8.60% 8.70% 8.80% 9.30% 9.55% Minimum DSCR: 1.25 Loan amount < $100,000, 2-4 Units Prepay Penalty Fee 3/2/1
Foreign National 1.00% 8.70% 8.80% 9.05% Prepay Penalty Term 3 years
Min UPB $75,000
Rate Adjustments Max UPB $2,000,000
Loan Balance <=55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-80 Limited Ratio Program
< $100,000 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% Allowed on SFR loan amounts greater than
Property Type <=55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-80 *DSCR between 0.85 and 1.00 $250,000; subject to 5% reduction in
2-4 Unit 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% leverage and pricing adjustment
Condo 0.50% 0.50% 0.50% 0.50% 0.50% 0.50%
DSCR Adjustments <=55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-80
DSCR > 1.30 *Applies only to SFR -0.15% -0.15% -0.15% -0.15% -0.15% -0.15%
DSCR > 0.85 and < 1.00 0.50% 0.50% 0.50% 0.50% 0.50%