PDF Table of Contents PRMG News

[Pages:10]Base Pricing Assumes Borrower Paid Compensation Wholesale Rates effective until 5:00 pm PDT (In an occurrence of a Price Change, Notification will be sent)

Table of Contents

PRMG News

Products

Page

Agency Fannie Mae/Agency Fannie Mae No MI

Pg.2

Agency Fannie Mae TX Home Equity

Pg.2

Agency Fannie Mae High Balance/Agency Fannie Mae No MI HPiggh.2Balance

Fannie Mae HomeReady

Pg.2

Agency Fannie Mae Price Adjustments

Pg.3

Agency Fannie Mae No MI Adjustments

Pg.3

Agency Fannie Mae High Balance Adjustments

Pg.3

Fannie Mae HomeReady Adjustments

Pg.3

Agency FHLMC/Agency FHLMC No MI

Pg.4

FHLMC Super Conf/FHLMC Super Conf No MI

Pg.4

FHLMC Home Possible/ FHLMC Refi Possible

Pg.4

Agency FHLMC/FHLMC Super Conf Price Adjustments

Pg.5

FHA

Pg.6

FHA Streamline Refinance

Pg.6

FHA High Balance

Pg.6

FHA High Balance Streamline Refinance

Pg.6

USDA/Rural Housing

Pg.6

VA

Pg.6

VA High Balance

Pg.6

VA IRRRL/VA IRRRL High Balance

Pg.6

FHA/VA/USDA Price Adjustments

Pg.6

Ruby Jumbo A1/Ruby Jumbo A2

Pg.7

Ruby Jumbo A1/Ruby Jumbo A2 Price Adjustments

Pg.8

Doc & Funding Cut-Off Dates

Last day to fund GOVT loans with 1/1 payment

Last day to fund CONV loans with 1/1 payment

Last day to DISCLOSE Streamlines for Jan Funding

Last day to fund Streamlines for Jan Funding

Last day to Draw Docs with Jan 1st Payment

12/06/21 12/09/21 12/23/21 12/30/21 12/24/21

Lender Fees

Underwriting Fee - Borrower Paid Transactions

$990.00

Underwriting Fee - Lender Paid Transactions FHA/USDA Streamlines/VA IRRRLs

$990.00 $490.00

*NO Fee Option (Use No Fee Calculator to determine fee in bps)

NoFeeCalculator.xls

Lock Desk Info

Lock Cut-off (Govt & Agency Fixed Programs) Lock Cut-off (All ARMs & All Jumbo Programs)

5:00 pm PST 3:30 pm PST

Lock Online (available till 5:00 pm PST) Email Link to Manual Lock Form;



PRMG%20Manual%20Lock%20Request%20Form%20(Editable).pdf

Secondary Fax

951-278-5633

Extensions & Re-Locks

Secondary@

PRMG FHA VA Lender IDs



Mortgagee Clause

Paramount Residential Mortgage Group, INC.

Its Successors and/or Assigns 1265 Corona Pointe Court Ste. 301 Corona, California 92879

Approved States

Alaska

Alabama Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Indiana Illinois Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi

Missouri

Montana New Hampshire New Jersey New Mexico Nebraska Nevada North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin

PRMG Website

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Scenario Pricer

For On-line Rate/Price quotes, log on to our Scenario

Pricer at:



Lock Expiration Dates

15 Days

30 Days 45 Days 60 Days

01/06/22

01/21/22 02/05/22 02/20/22

Lock Extension Policy

1-5 Days

6-10 Days 11-15 Days 16-20 Days 21-25 Days 26-30 Days

0.125

0.250 0.375 0.500 0.625 0.750

Extended Rate Lock Terms

45 Days

.100 in fee

60 Days

.300 in fee

75 Days

.450 in fee

90 Days

.600 in fee

120 Days

1.000 in fee

The above fees are applied to the 30 day price.

Applicable to only Govt & Conv-Conf Fixed Loan Programs. Secondary for fees on all other programs.

Contact

Market Update

1 Yr Libor 1 Yr T-Bill 6 Mo SOFR Prime Rate 10 Yr Bond 30 Yr Bond

Average Prime Offer Rates

30/40 Yr Fixed 15/20 Yr Fixed 10 Yr Fixed 1/1 ARM 3/1 ARM 5/1 ARM 7/1 ARM 10/1 ARM

0.542 0.250 0.050 3.250 1.450 1.860

3.170 2.440 2.720 3.020 3.010 2.850 2.860 2.830

WHOLESALE REGIONAL OPERATING CENTERS

Western Region

Alex Del Haro, DVP

(714) 824-2997

Pacific Northwest Region Michelle Lilley, DVP

(408) 772-6802

Southwest Region

Joe Spangenberg, RVP

(602) 977-7764

Northern California Region Michelle Lilley, DVP

(408) 772-6802

Mountain Region Northeast Region Southeast Region Midwest Region

Michael J. Miller, RVP Ryan Goldsmith, RVP Cory Przelicki, RVP Michael J. Miller, RVP

(303) 957-8390 (609) 281-5532 (954) 324-5113 (303) 957-8390

Rate Sheet: Whls-1000

Page 1

Wednesday, December 22, 2021 7:30AM

30/25 Yr Fixed

Agency Fannie Mae & No MI

Agency Fannie Mae Non-Traditional & No MI

Fannie Mae Student Loan

Rate 4.500%

15 (5.939)

30 (5.739)

4.375%

(6.504)

(6.304)

4.250%

(6.150)

(5.950)

4.125%

(5.748)

(5.548)

4.000%

(5.519)

(5.319)

3.990%

(5.439)

(5.239)

3.875%

(4.860)

(4.660)

3.750%

(4.610)

(4.410)

3.625%

(4.199)

(3.999)

3.500%

(3.785)

(3.585)

3.375%

(3.339)

(3.139)

3.250%

(2.837)

(2.637)

3.125%

(2.213)

(2.013)

3.000%

(1.705)

(1.505)

2.990%

(1.625)

(1.425)

2.875%

(1.194)

(0.994)

2.750%

(0.602)

(0.402)

2.625%

0.161

0.361

2.500%

1.056

1.256

2.375%

1.732

1.932

2.250%

2.457

2.657

Base Pricing Assumes Borrower Paid Compensation

Wholesale Rates effective until 5:00 pm PDT, ARMs until 3:30 pm PDT (In an occurrence of a Price Change, Notification will be sent)

FNMA

20 Yr Fixed

Agency Fannie Mae & No MI

Agency Fannie Mae Non-Traditional & No MI

Fannie Mae Student Loan

Rate 4.250%

15 (5.834)

30 (5.634)

4.125%

(6.251)

(6.051)

4.000%

(5.736)

(5.536)

3.875%

(5.300)

(5.100)

3.750% 3.625%

(4.904) (4.925)

(4.704) (4.725)

3.500%

(4.590)

(4.390)

3.375%

(4.204)

(4.004)

3.250%

(3.365)

(3.165)

3.125%

(2.878)

(2.678)

3.000%

(2.474)

(2.274)

2.875%

(2.018)

(1.818)

2.750%

(1.457)

(1.257)

2.625% 2.500%

(0.811) (0.072)

(0.611) 0.128

2.375%

0.460

0.660

2.250%

1.118

1.318

15 Yr Fixed

Agency Fannie Mae & No MI

Agency Fannie Mae Non-Traditional & No MI

Fannie Mae Student Loan

Rate 3.750%

15 (5.164)

30 (4.964)

3.625%

(4.842)

(4.642)

3.500%

(5.156)

(4.956)

3.375%

(4.803)

(4.603)

3.250% 3.125%

(4.408) (4.041)

(4.208) (3.841)

3.000%

(4.076)

(3.876)

2.875%

(3.702)

(3.502)

2.750%

(3.322)

(3.122)

2.625%

(2.904)

(2.704)

2.500%

(2.431)

(2.231)

2.375%

(1.893)

(1.693)

2.250%

(1.415)

(1.215)

2.125% 2.000%

(0.958) (0.432)

(0.758) (0.232)

1.875%

0.322

0.522

1.750%

0.986

1.186

High Balance 30/25 Yr Fixed

Agency Fannie Mae & No MI

Fannie Mae Student Loan

Rate 4.125% 4.000% 3.990% 3.875% 3.750% 3.625% 3.500% 3.375% 3.250% 3.125% 3.000% 2.990% 2.875% 2.750% 2.625% 2.500% 2.375% 2.250%

15 (5.468) (5.239) (5.159) (4.580) (4.330) (4.044) (3.630) (3.184) (2.682) (2.058) (1.550) (1.470) (1.039) (0.447) 0.316 1.211 1.887 2.612

30 (5.268) (5.039) (4.959) (4.380) (4.130) (3.844) (3.430) (2.984) (2.482) (1.858) (1.350) (1.270) (0.839) (0.247) 0.516 1.411 2.087 2.812

5/6 SOFR ARM

Agency Fannie Mae & No MI

Agency Fannie Mae Non-Traditional & No MI

7/6 SOFR ARM

Agency Fannie Mae & No MI

Agency Fannie Mae Non-Traditional & No MI

10/6 SOFR ARM

Agency Fannie Mae & No MI

Agency Fannie Mae Non-Traditional & No MI

High Balance 5/6 SOFR ARM

Agency Fannie Mae

AGENCY

Start Rate 3.250% 3.125% 3.000% 2.875% 2.750% 2.625% 2.500% 2.375% 2.250% 2.125% 2.000%

15 (2.749) (2.511) (2.273) (1.996) (1.707) (1.405) (1.084) (0.750) (0.384) (0.005) 0.374

30 (2.499) (2.261) (2.023) (1.746) (1.457) (1.155) (0.834) (0.500) (0.134) 0.245 0.624

3.00 Margin, 2/1/5 Caps

Agency TX Home Eq 30/25

Fannie Mae Student Loan THE

Rate

15

30

4.250%

(6.150)

(5.950)

4.125%

(5.748)

(5.548)

4.000%

(5.519)

(5.319)

3.875%

(4.860)

(4.660)

3.750%

(4.610)

(4.410)

3.625%

(4.199)

(3.999)

3.500%

(3.785)

(3.585)

3.375%

(3.339)

(3.139)

3.250%

(2.837)

(2.637)

3.125%

(2.213)

(2.013)

3.000%

(1.705)

(1.505)

2.875%

(1.194)

(0.994)

2.750%

(0.602)

(0.402)

Rate 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%

30 Yr Fixed

15 (4.315) (4.011) (3.931) (3.102) (2.587) (1.955) (1.455) (0.910) (0.286) 0.471 1.306 2.060 2.779

30 (4.115) (3.811) (3.731) (2.902) (2.387) (1.755) (1.255) (0.710) (0.086) 0.671 1.506 2.260 2.979

30/25 Yr Fixed & No MI

Rate

15

30

4.250%

(5.900)

(5.700)

4.125%

(5.498)

(5.298)

4.000%

(5.269)

(5.069)

3.990%

(5.189)

(4.989)

3.875%

(4.610)

(4.410)

3.750%

(4.360)

(4.160)

3.625%

(3.949)

(3.749)

3.500%

(3.535)

(3.335)

3.375%

(3.089)

(2.889)

3.250%

(2.587)

(2.387)

3.125%

(1.963)

(1.763)

3.000%

(1.455)

(1.255)

2.990%

(1.375)

(1.175)

Start Rate 3.125% 3.000% 2.875% 2.750% 2.625% 2.500% 2.375% 2.250% 2.125% 2.000%

15 (2.502) (2.181) (1.847) (1.480) (1.088) (0.669) (0.231) 0.221 0.675 1.110

30 (2.252) (1.931) (1.597) (1.230) (0.838) (0.419) 0.019 0.471 0.925 1.360

Start Rate 3.250% 3.125% 3.000% 2.875% 2.750% 2.625% 2.500% 2.375% 2.250% 2.125% 2.000%

15 (2.748) (2.376) (1.972) (1.543) (1.093) (0.606) (0.098) 0.411 0.902 1.381 1.862

30 (2.498) (2.126) (1.722) (1.293) (0.843) (0.356) 0.152 0.661 1.152 1.631 2.112

3.00 Margin, 5/1/5 Caps

3.00 Margin, 5/1/5 Caps

FNMA TEXAS HOME EQUITY

Agency TX Home Eq 20

Fannie Mae Student Loan THE

Rate

15

30

4.375%

(6.156)

(5.956)

4.250%

(5.834)

(5.634)

4.125%

(6.251)

(6.051)

4.000%

(5.736)

(5.536)

3.875%

(5.300)

(5.100)

3.750%

(4.904)

(4.704)

3.625%

(4.925)

(4.725)

3.500%

(4.590)

(4.390)

3.375%

(4.204)

(4.004)

3.250%

(3.365)

(3.165)

3.125%

(2.878)

(2.678)

3.000%

(2.474)

(2.274)

2.875%

(2.018)

(1.818)

Agency TX Home Eq 15

Fannie Mae Student Loan THE

Rate

15

30

4.000%

(5.735)

(5.535)

3.875%

(5.467)

(5.267)

3.750%

(5.164)

(4.964)

3.625%

(4.842)

(4.642)

3.500%

(5.156)

(4.956)

3.375%

(4.803)

(4.603)

3.250%

(4.408)

(4.208)

3.125%

(4.041)

(3.841)

3.000%

(4.076)

(3.876)

2.875%

(3.702)

(3.502)

2.750%

(3.322)

(3.122)

2.625%

(2.904)

(2.704)

2.500%

(2.431)

(2.231)

FNMA HOMEREADY

FNMA REFI NOW

20 Yr Fixed & No MI

Rate

15

30

4.250%

(5.584)

(5.384)

4.125%

(6.001)

(5.801)

4.000%

(5.486)

(5.286)

3.875%

(5.050)

(4.850)

3.750%

(4.654)

(4.454)

3.625%

(4.675)

(4.475)

3.500%

(4.340)

(4.140)

3.375%

(3.954)

(3.754)

3.250%

(3.115)

(2.915)

3.125%

(2.628)

(2.428)

3.000%

(2.224)

(2.024)

2.875%

(1.768)

(1.568)

2.750%

(1.207)

(1.007)

15 Yr Fixed & No MI

Rate

15

30

3.250%

(4.158)

(3.958)

3.125%

(3.791)

(3.591)

3.000%

(3.826)

(3.626)

2.875%

(3.452)

(3.252)

2.750%

(3.072)

(2.872)

2.625%

(2.654)

(2.454)

2.500%

(2.181)

(1.981)

2.375%

(1.643)

(1.443)

2.250%

(1.165)

(0.965)

2.125%

(0.708)

(0.508)

2.000%

(0.182)

0.018

1.875%

0.572

0.772

1.750%

1.236

1.436

Start Rate 3.000% 2.875% 2.750% 2.625% 2.500% 2.375% 2.250% 2.125% 2.000%

15 (0.447) (0.375) (1.619) (1.287) (0.924) (0.548) (0.171) 0.205 0.570

30 (0.197) (0.125) (1.369) (1.037) (0.674) (0.298) 0.079 0.455 0.820

3.00 Margin, 2/1/5 Caps

Page 2

Rate Sheet: Whls-1000

Wednesday, December 22, 2021 7:30AM

Base Pricing Assumes Borrower Paid Compensation

Wholesale Rates effective until 5:00 pm PDT, ARMs until 3:30 pm PDT (In an occurrence of a Price Change, Notification will be sent)

AGENCY PRICE ADJUSTMENTS

AGENCY

Agency Fannie Mae, Agency Fannie Mae No MI, Agency TX Home Equity, Agency Fannie Mae High Balance, Fannie Mae Refi Now

Fannie Mae Refi Now No MI, Agency Fannie Mae No MI High Balance, Fannie Mae HomeReady, Agency Fannie Mae SOFR ARMs

Applicable to All

Applicable to All

Loan Amount

Credit Score (Except Terms 15 yrs)

2.000 ** Fico Scores > = 740 (Agency Fxd,Agency No MI Fxd, HomeReady Fxd, TX Home Equity Fxd only) 0.750 ** Fico Scores > = 700 (Agency High Balance & Agency High Bal No MI Fixed only)

-0.100 -0.100

* Manufactured Home

1.000 Subordinate Financing

Occupancy

CLTV (%)

* N/O/O up to 75% LTV

2.125 LTV/FICO

=800

0.310

0.670

1.010

1.420

>=800

0.000

>=800

0.000

>=800

0.240

780-799

0.310

0.680

1.040

1.790

780-799

0.000

780-799

0.000

780-799

0.240

760-779

0.310

0.720

1.050

1.790

760-779

0.000

760-779

0.000

760-779

0.240

740-759

0.330

0.860

1.430

2.530

740-759

0.000

740-759

0.000

740-759

0.240

720-739

0.890

1.220

1.890

2.530

720-739

0.000

720-739

0.000

720-739

0.350

700-719

0.920

1.290

2.710

2.890

700-719

0.550

700-719

0.000

700-719

0.420

680-699

0.940

1.290

2.710

2.890

680-699

0.550

680-699

0.120

680-699

0.550

660-679

1.100

1.420

3.790

4.650

660-679

1.050

660-679

0.120

660-679

0.690

640-659

1.100

1.560

3.990

4.850

640-659

1.050

640-659

0.130

640-659

0.830

620-639

1.100

1.850

4.590

5.090

620-639

1.100

620-639

0.170

620-639

0.920

=800

0.450

0.900

1.260

1.880

>=800

0.340

0.750

1.100

1.720

780-799

0.510

0.950

1.420

2.050

780-799

0.390

0.820

1.240

1.920

760-779

0.550

1.010

1.480

2.050

760-779

0.430

0.880

1.380

1.920

740-759

0.610

1.180

1.770

2.850

740-759

0.490

1.020

1.650

2.700

720-739

0.950

1.600

2.250

3.100

720-739

0.770

1.450

2.100

2.950

Applicable to Loan Size >$647,200

(Agency FHLMC No MI & FHLMC Sup Conf No MI)

FICO

>=800

0.000

780-799

0.000

760-779

0.000

740-759

0.000

720-739

0.000

700-719

1.050

1.870

2.750

680-699

1.100

1.980

2.980

660-679

1.600

3.250

4.950

640-659

1.730

3.530

5.120

620-639

2.100

4.150

5.850

Applicable to =800

0.310

0.670

1.010

780-799

0.310

0.680

1.040

760-779

0.310

0.720

1.050

740-759

0.330

0.860

1.430

720-739

0.890

1.220

1.890

700-719

0.920

1.290

2.710

680-699

0.940

1.290

2.710

660-679

1.100

1.420

3.790

640-659

1.100

1.560

3.990

620-639

1.100

1.850

Applicable to DTI >45%

4.590

3.900 3.960 6.900 7.090 7.450

95.01-97% 1.550 1.830 1.840 2.640 2.960 3.620 3.640 6.490 6.740 7.050

700-719

0.780

1.620

680-699

0.790

1.680

660-679

1.150

2.880

640-659

1.340

3.140

620-639

1.630

3.740

Applicable to Second Homes

2.470

3.650

700-719

2.650

3.650

680-699

4.560

6.520

660-679

4.730

6.700

640-659

5.450

7.050

620-639

Applicable to R&T Refi's

0.000 0.000 0.500 0.500 1.050 Applicable to One Borrower

(Agency FHLMC No MI & FHLMC Sup Conf No MI)(Agency FHLMC No MI & FHLMC Sup Conf No MI)(Agency FHLMC No MI & FHLMC Sup Conf No MI)

FICO

FICO

FICO

>=800

0.250

>=800

0.000

>=800

0.000

780-799

0.300

780-799

0.000

780-799

0.000

760-779

0.300

760-779

0.000

760-779

0.000

740-759

0.300

740-759

0.000

740-759

0.000

720-739

0.500

720-739

0.000

720-739

0.000

700-719

0.700

700-719

0.550

700-719

0.000

680-699

0.700

680-699

0.550

680-699

0.120

660-679

1.230

660-679

1.050

660-679

0.120

640-659

1.230

640-659

1.050

640-659

0.130

620-639

1.300

620-639

1.100

620-639

0.170

(Agency FHLMC No MI & FHLMC Sup Conf No MI)

FICO

>=800

0.240

780-799

0.240

760-779

0.240

740-759

0.240

720-739

0.350

700-719

0.420

680-699

0.550

660-679

0.690

640-659

0.830

620-639

0.920

**Applicable to Lender Paid HomePossible No MI Programs (In addition to all other LLPAs)

Applicable to 30 Yr Term (HomePossible No MI only)

Applicable to Loan Size >$510,400

Applicable to R&T Refi's

LTV (%)

(HomePossible No MI only)

(HomePossible No MI only)

FICO

80.01-85% 85.01-90% 90.01-95%

95.01-97%

FICO

FICO

>=800

0.450

0.900

1.300

1.750

>=800

0.000

>=800

0.000

780-799

0.510

0.950

1.380

1.900

780-799

0.000

780-799

0.000

760-779

0.550

1.010

1.460

1.950

760-779

0.000

760-779

0.000

740-759

0.610

1.180

1.700

2.490

740-759

0.000

740-759

0.000

720-739

0.950

1.600

2.050

2.550

720-739

0.000

720-739

0.000

700-719

1.050

1.870

2.700

3.200

700-719

0.000

700-719

0.550

680-699

1.100

1.980

2.980

3.210

680-699

0.000

680-699

0.550

660-679

1.600

3.250

4.200

5.050

660-679

0.500

660-679

1.050

640-659

1.730

3.530

4.400

5.250

640-659

0.500

640-659

1.050

620-639

2.100

4.150

5.000

5.550

620-639

1.050

620-639

1.100

Applicable to One Borrower

Applicable to DTI >45%

(HomePossible No MI only)

FICO

>=800

0.000

780-799

0.000

760-779

0.000

740-759

0.000

720-739

0.000

700-719

0.000

680-699

0.120

660-679

0.120

640-659 620-639

0.130 0.170

(HomePossible No MI only)

FICO

>=800

0.240

780-799

0.240

760-779

0.240

740-759

0.240

720-739

0.350

700-719

0.420

680-699

0.550

660-679

0.690

640-659 620-639

0.830 0.920

Maximum Rebate/Price Cap All Fixed Rates

105.000

Rate Sheet: Whls-1000

Wednesday, December 22, 2021 7:30AM

30/25 Yr Fixed

Rate

15

30

4.375%

(4.609)

(4.409)

4.250%

(5.714)

(5.514)

4.125%

(5.370)

(5.170)

4.000%

(4.986)

(4.786)

3.990%

(4.906)

(4.706)

3.875%

(4.868)

(4.668)

3.750%

(4.787)

(4.587)

3.625%

(5.048)

(4.848)

3.500%

(4.624)

(4.424)

3.375%

(4.294)

(4.094)

3.250%

(4.233)

(4.033)

3.125%

(3.732)

(3.532)

3.000%

(3.367)

(3.167)

2.990%

(3.287)

(3.087)

2.875%

(2.836)

(2.636)

2.750%

(2.750)

(2.550)

2.625%

(2.077)

(1.877)

2.500%

(1.608)

(1.408)

2.375%

(1.158)

(0.958)

2.250%

(0.697)

(0.497)

Base Pricing Assumes Borrower Paid Compensation

Wholesale Rates effective until 5:00 pm PDT, ARMs until 3:30 pm PDT (In an occurrence of a Price Change, Notification will be sent)

FHA

Rate 3.375% 3.250% 3.125% 3.000% 2.875% 2.750% 2.625% 2.500% 2.375% 2.250%

15 Yr Fixed

15 (3.545) (3.796) (3.551) (3.188) (2.855) (2.882) (2.859) (2.484) (2.075) (1.638)

30 (3.345) (3.596) (3.351) (2.988) (2.655) (2.682) (2.659) (2.284) (1.875) (1.438)

Start Rate 4.125% 4.000% 3.875% 3.750% 3.625% 3.500% 3.375% 3.250% 3.125% 3.000% 2.875%

5/1 ARM

15 1.796 2.011 2.255 0.600 0.159 0.043 0.255 0.516 0.116 0.378 0.651

30 2.046 2.261 2.505 0.850 0.409 0.293 0.505 0.766 0.366 0.628 0.901

High Balance - 30/25/20

Rate

15

30

4.500%

(0.905)

(0.705)

4.375%

(1.671)

(1.471)

4.250%

(4.407)

(4.207)

4.125%

(4.200)

(4.000)

4.000%

(3.903)

(3.703)

3.990%

(3.823)

(3.623)

3.875%

(3.562)

(3.362)

3.750%

(3.926)

(3.726)

3.625%

(4.010)

(3.810)

3.500%

(3.612)

(3.412)

3.375%

(3.292)

(3.092)

3.250%

(3.337)

(3.137)

3.125%

(3.053)

(2.853)

3.000%

(2.761)

(2.561)

2.875%

(2.258)

(2.058)

2.750%

(1.912)

(1.712)

2.625%

(1.202)

(1.002)

2.500%

(0.759)

(0.559)

High Balance 5/1 ARM

Start Rate

15

30

4.125%

2.655

2.905

4.000%

2.809

3.059

3.875%

3.005

3.255

3.750%

0.136

0.386

3.625%

(0.004)

0.246

3.500%

(0.149)

0.101

3.375%

(0.026)

0.224

3.250%

0.113

0.363

3.125%

0.081

0.331

3.000%

0.217

0.467

2.875%

0.363

0.613

2.00 Margin, 1/1/5 Caps

VA 30 Yr Fixed

Rate

15

30

4.125%

(5.370)

(5.170)

4.000%

(4.986)

(4.786)

3.990%

(4.906)

(4.706)

3.875%

(4.868)

(4.668)

3.750%

(4.787)

(4.587)

3.625%

(5.048)

(4.848)

3.500%

(4.624)

(4.424)

3.375%

(4.294)

(4.094)

3.250%

(4.233)

(4.033)

3.125%

(3.732)

(3.532)

3.000%

(3.367)

(3.167)

2.990%

(3.287)

(3.087)

2.875%

(2.836)

(2.636)

2.750%

(2.750)

(2.550)

2.625%

(2.077)

(1.877)

2.500%

(1.608)

(1.408)

2.375%

(1.158)

(0.958)

2.250%

(0.697)

(0.497)

Rate 3.500% 3.375% 3.250% 3.125% 3.000% 2.990% 2.875% 2.750% 2.625% 2.500% 2.375% 2.250%

Streamline 30

15 (4.499) (4.169) (4.108) (3.607) (3.242) (3.162) (2.711) (2.625) (1.952) (1.483) (1.033) (0.572)

30 (4.299) (3.969) (3.908) (3.407) (3.042) (2.962) (2.511) (2.425) (1.752) (1.283) (0.833) (0.372)

2.00 Margin, 1/1/5 Caps

Streamline 15

Rate

15

30

3.375%

(3.420)

(3.220)

3.250%

(3.671)

(3.471)

3.125%

(3.426)

(3.226)

3.000%

(3.063)

(2.863)

2.875%

(2.730)

(2.530)

2.750%

(2.757)

(2.557)

2.625%

(2.734)

(2.534)

2.500%

(2.359)

(2.159)

2.375%

(1.950)

(1.750)

2.250%

(1.513)

(1.313)

VA/USDA

Rate 3.250% 3.125% 3.000% 2.875% 2.750% 2.625% 2.500% 2.375% 2.250%

VA 15 Yr Fixed

15 (3.796) (3.551) (3.188) (2.855) (2.882) (2.859) (2.484) (2.075) (1.638)

30 (3.546) (3.301) (2.938) (2.605) (2.632) (2.609) (2.234) (1.825) (1.388)

VA High Balance - 30

Rate

15

30

4.000%

(3.603)

(3.403)

3.990%

(3.523)

(3.323)

3.875%

(3.262)

(3.062)

3.750%

(3.626)

(3.426)

3.625%

(3.710)

(3.510)

3.500%

(3.312)

(3.112)

3.375%

(2.992)

(2.792)

3.250%

(3.037)

(2.837)

3.125%

(2.753)

(2.553)

3.000%

(2.461)

(2.261)

2.875%

(1.958)

(1.758)

2.750%

(1.612)

(1.412)

2.625%

(0.902)

(0.702)

2.500%

(0.459)

(0.259)

2.375%

(0.017)

0.183

Streamline HB - 30

Rate

15

30

4.000%

(3.778)

(3.578)

3.875%

(3.437)

(3.237)

3.750%

(3.801)

(3.601)

3.625%

(3.885)

(3.685)

3.500%

(3.487)

(3.287)

3.375%

(3.167)

(2.967)

3.250%

(3.212)

(3.012)

3.125%

(2.928)

(2.728)

3.000%

(2.636)

(2.436)

2.875%

(2.133)

(1.933)

2.750%

(1.787)

(1.587)

2.625%

(1.077)

(0.877)

2.500%

(0.634)

(0.434)

VA IRRRL - 30/25

Rate

15

30

3.125%

(3.607)

(3.407)

3.000%

(3.242)

(3.042)

2.990%

(3.162)

(2.962)

2.875%

(2.711)

(2.511)

2.750%

(2.625)

(2.425)

2.625%

(1.952)

(1.752)

2.500%

(1.483)

(1.283)

2.375%

(1.033)

(0.833)

2.250%

(0.572)

(0.372)

GOVERNMENT

Rate 3.250% 3.125% 3.000% 2.875% 2.750% 2.625% 2.500% 2.375% 2.250%

VA IRRRL - 15 15

(3.816) (3.525) (3.208) (2.875) (2.902) (2.695) (2.371) (2.014) (1.723)

30 (3.616) (3.325) (3.008) (2.675) (2.702) (2.495) (2.171) (1.814) (1.523)

VA IRRRL High Bal - 30

Rate

15

30

4.000%

(3.478)

(3.278)

3.875%

(3.137)

(2.937)

3.750%

(3.501)

(3.301)

3.625%

(3.585)

(3.385)

3.500%

(3.187)

(2.987)

3.375%

(2.867)

(2.667)

3.250%

(2.912)

(2.712)

3.125%

(2.628)

(2.428)

3.000%

(2.336)

(2.136)

2.875%

(1.833)

(1.633)

2.750%

(1.487)

(1.287)

2.625%

(0.777)

(0.577)

2.500%

(0.334)

(0.134)

Rate 3.500% 3.375% 3.250% 3.125% 3.000% 2.875% 2.750% 2.625% 2.500% 2.375% 2.250%

USDA - 30 Yr

15 (4.884) (4.593) (4.263) (3.690) (3.347) (2.899) (2.514) (2.084) (1.640) (1.198) (0.737)

30 (4.684) (4.393) (4.063) (3.490) (3.147) (2.699) (2.314) (1.884) (1.440) (0.998) (0.537)

USDA Streamlined Assist - 30 Yr

Rate

15

30

3.750%

(4.566)

(4.366)

3.625%

(5.308)

(5.108)

3.500%

(4.659)

(4.459)

3.375%

(4.368)

(4.168)

3.250%

(4.038)

(3.838)

3.125%

(3.465)

(3.265)

3.000%

(3.122)

(2.922)

2.875%

(2.674)

(2.474)

2.750%

(2.389)

(2.189)

2.625%

(1.959)

(1.759)

2.500%

(1.515)

(1.315)

2.375%

(1.073)

(0.873)

2.250%

(0.612)

(0.412)

Government Price Adjustments

Loan Amount

* Loans $250k-Std Bal Limit * Loans $175k-$249,999 * Loans $75k-$99,999 * Loans $50k-$74,999 * Loans $30k-$49,999 * Loans < $30,000 * Loans $1M-$1.5m (VA/ VA IRRRL High Bal only) * Loans >$1.5m (VA High Bal only) * Loans >$1.5m (VA IRRRL High Bal only)

LTV

* Streamline CLTV 100.01-125% * VA IRRRL & VA IRRRL High Bal w/LTV >100-105% * VA IRRRL & VA IRRRL High Bal w/LTV >105%

Occupancy

-0.200 -0.100 0.250 0.750 2.000 Contact Secondary 0.250 1.000 2.500

FICO

* Fico Scores 740+ * Fico Scores 700-739 * Fico Scores 660-679 (Except VA IRRRL High Bal) * Fico Scores 660 - 679 (VA IRRRL High Bal only) * Fico Scores 640 - 659 * Fico Scores 620 - 639 * Fico Scores 600 - 619 * Fico Scores 580 - 599 * No FICO Score (FHA, Non-Traditional Credit only)

0.250 0.250 0.500

Miscellaneous

-0.250 -0.125 0.375 0.625 1.125 1.375 2.125 2.750 2.750

* Non Owner Occupied

Maximum Rebate/Price Cap

All Fixed Rates All ARM Rates

1.000

105.000 103.750

* Down Payment Asst Prgrms (FHA High Bal only) * FHA Manufactured Home

* USDA/VA Manufactured Home ** Down Payment Protection Feature (refer to Down Payment Protection Tab).

0.375 1.000

1P.0a0g0e 6

Rate Sheet: Whls-1000

Wednesday, December 22, 2021 7:30AM

Ruby A1 30 Yr Fixed

Rate 4.625% 4.500% 4.375% 4.250% 4.125% 4.000% 3.875% 3.750% 3.625% 3.500% 3.375% 3.250% 3.125% 3.000%

15 (1.722) (1.701) (1.683) (1.640) (1.561) (1.442) (1.288) (1.095) (0.840) (0.491) (0.043) 0.427 0.762 1.164

30 (1.472) (1.451) (1.433) (1.390) (1.311) (1.192) (1.038) (0.845) (0.590) (0.241) 0.207 0.677 1.012 1.414

Ruby A2 30 Yr Fixed

Rate 4.750% 4.625% 4.500% 4.375% 4.250% 4.125% 4.000% 3.875% 3.750% 3.625% 3.500% 3.375% 3.250% 3.125%

15 (3.182) (3.201) (3.220) (3.239) (3.259) (3.173) (3.087) (2.695) (2.303) (2.014) (1.725) (1.364) (1.003) (0.581)

30 (2.932) (2.951) (2.970) (2.989) (3.009) (2.923) (2.837) (2.445) (2.053) (1.764) (1.475) (1.114) (0.753) (0.331)

Base Pricing Assumes Borrower Paid Compensation Wholesale Rates effective until 3:30 pm PDT (In an occurrence of a Price Change, Notification will be sent)

RUBY JUMBO

Ruby A1 15 Yr Fixed

Rate 3.750% 3.625% 3.500% 3.375% 3.250% 3.125% 3.000% 2.875% 2.750% 2.625% 2.500%

15 (1.007) (0.925) (0.818) (0.668) (0.502) (0.343) (0.089) 0.224 0.603 0.954 1.358

30 (0.757) (0.675) (0.568) (0.418) (0.252) (0.093) 0.161 0.474 0.853 1.204 1.608

Ruby A2 15 Yr Fixed

Rate 4.125% 4.000% 3.875% 3.750% 3.625% 3.375% 3.250% 3.125% 3.000% 2.875%

15 (2.768) (2.586) (2.429) (2.272) (1.850) (1.097) (0.766) (0.507) (0.247) 0.022

30 (2.518) (2.336) (2.179) (2.022) (1.600) (0.847) (0.516) (0.257) 0.003 0.272

Rate Sheet: WHLS-1000

Page 7

Wednesday, December 22, 2021

7:30AM

Base Pricing Assumes Borrower Paid Compensation Wholesale Rates effective until 3:30 pm PDT (In an occurrence of a Price Change, Notification will be sent)

Ruby A1 Fixed Adjustments

Primary Purchase

Credit Score

800+ 780-799 760-779 740-759 720-739 700-719 680-699 660-679

Primary No Cash-out Refi Credit Score

800+

780-799 760-779

740-759

720-739

700-719

680-699

660-679 Primary Cash-out Refi Credit Score

800+

780-799

760-779

740-759

720-739

700-719 680-699 Second Home Purchase

Credit Score

800+ 780-799 760-779

740-759 720-739 700-719 680-699 660-679

Second Home No Cash-out Refi Credit Score

800+

780-799

760-779

740-759

720-739

700-719

680-699 660-679 Second Home Cash-out Refi Credit Score

800+

780-799 760-779

740-759 720-739

700-719 Non-Owner Purchase

Credit Score

800+ 780-799 760-779

740-759 720-739 700-719 680-699 660-679 Non-Owner No Cash-out Refi Credit Score

800+ 780-799 760-779 740-759 720-739

700-719 680-699 660-679

Non-Owner Cash-out Refi Credit Score

800+

780-799

760-779

740-759 720-739

700-719

680-699

0-55% (0.790) (0.790) (0.790) (0.665) (0.540) (0.290) (0.040) 0.210

0-55% (0.540) (0.540) (0.540) (0.415) (0.290) (0.040) 0.210 0.460

0-55% (0.540) (0.540) (0.540) (0.415) (0.290) (0.040) 0.210

0-55% (0.790) (0.790) (0.790) (0.665) (0.540) (0.290) (0.040) 0.210

0-55% (0.540) (0.540) (0.540) (0.415) (0.290) (0.040) 0.210 0.460

0-50% (0.540) (0.540) (0.540) (0.415) (0.290) (0.040)

0-50% (0.290) (0.290) (0.290) (0.165) (0.040) 0.210 0.460 0.710

0-50% (0.040) (0.040) (0.040) 0.085 0.210 0.460 0.710 0.960

0-50% (0.040) (0.040) (0.040) 0.085 0.210 0.460 0.710

55.01-60% (0.790) (0.790) (0.665) (0.540) (0.415) (0.165) 0.085 0.335

55.01-60% (0.540) (0.540) (0.415) (0.290) (0.165) 0.085 0.335 0.585

55.01-60% (0.540) (0.540) (0.415) (0.290) (0.165) 0.085 0.335

55.01-60% (0.790) (0.790) (0.665) (0.540) (0.415) (0.165) 0.085 0.335

55.01-60% (0.540) (0.540) (0.415) (0.290) (0.165) 0.085 0.335 0.585

50.01-55% (0.540) (0.540) (0.540) (0.415) (0.290) (0.040)

50.01-55% (0.290) (0.290) (0.290) (0.165) (0.040) 0.210 0.460 0.710

50.01-55% (0.040) (0.040) (0.040) 0.085 0.210 0.460 0.710 0.960

50.01-55% (0.040) (0.040) (0.040) 0.085 0.210 0.460 0.710

60.01-65% (0.665) (0.665) (0.540) (0.415) (0.290) (0.040) 0.210 0.460

60.01-65% (0.415) (0.415) (0.290) (0.165) (0.040) 0.210 0.460 0.710

60.01-65% (0.415) (0.415) (0.290) (0.165) (0.040) 0.210 0.460

60.01-65% (0.665) (0.665) (0.540) (0.415) (0.290) (0.040) 0.210 0.460

60.01-65% (0.415) (0.415) (0.290) (0.165) (0.040) 0.210 0.460 0.710

55.01-60% (0.540) (0.540) (0.415) (0.290) (0.165) 0.085

55.01-60% (0.290) (0.290) (0.165) (0.040) 0.085 0.335 0.585 0.835

55.01-60% (0.040) (0.040) 0.085 0.210 0.335 0.585 0.835 1.085

55.01-60% (0.040) (0.040) 0.085 0.210 0.335 0.585 0.835

CLTV

65.01-70% (0.540) (0.540) (0.415) (0.290) (0.165) 0.085 0.460 0.835

CLTV 65.01-70%

(0.290) (0.290) (0.165) (0.040) 0.085 0.335 0.710 1.085 CLTV

65.01-70% (0.040) (0.040) 0.085 0.210 0.335 0.585 0.960

CLTV

70.01-75% (0.540) (0.540) (0.415) (0.290) (0.040) 0.335 0.710 1.210

75.01-80% (0.415) (0.415) (0.290) (0.165) 0.085 0.460 0.960 1.710

80.01-85% (0.290) (0.290) (0.165) (0.040) 0.085 0.460 1.085 N/A

70.01-75% (0.290) (0.290) (0.165) (0.040) 0.210 0.585 0.960 1.460

75.01-80% (0.165) (0.165) (0.040) 0.085 0.335 0.710 1.210 1.960

80.01-85% 0.085 0.085 0.210 0.335 0.460 0.835 1.460 N/A

70.01-75% 0.210 0.210 0.335 0.460 0.710 1.085 1.460

75.01-80% 0.585 0.585 0.710 0.835 1.085 1.460 1.960

80.01-85% 1.085 1.085 1.210 1.335 N/A N/A N/A

85.01-90% (0.290) (0.290) (0.040) 0.085 0.335 0.585 1.210 N/A

85.01-90% 0.085 0.085 0.335 0.460 0.710 0.960 1.585 N/A

85.01-90% 1.335 1.335 1.585 1.710 N/A N/A N/A

65.01-70% (0.540) (0.540) (0.415) (0.290) (0.165) 0.085 0.460 0.835

CLTV

65.01-70% (0.290) (0.290) (0.165) (0.040) 0.085 0.335 0.710 1.085

CLTV

60.01-65% (0.415) (0.415) (0.290)

(0.165) (0.040) 0.210 CLTV

70.01-75% (0.540) (0.540) (0.415)

(0.290) (0.040) 0.335 0.710 1.210

75.01-80% (0.415) (0.415) (0.290)

(0.165) 0.085 0.460 0.960 1.710

80.01-85% (0.290) (0.290) (0.165)

(0.040) 0.085 0.530 1.550

N/A

70.01-75% (0.290) (0.290) (0.165) (0.040) 0.210 0.585 0.960 1.460

75.01-80% (0.165) (0.165) (0.040) 0.085 0.335 0.710 1.210 1.960

80.01-85% 0.085 0.085 0.210 0.335 0.470 0.925 1.550 n/a

65.01-70% (0.040) (0.040) 0.085 0.210 0.335 0.585

70.01-75% 0.210 0.210 0.335 0.460 0.710 1.085

75.01-80% n/a n/a n/a n/a n/a

85.01-90% (0.290) (0.290) (0.040) 0.085 0.335 0.655 1.290 N/A

85.01-90% 0.085 0.085 0.335 0.460 0.760 1.100 1.775 n/a

60.01-65% 0.085 0.085 0.210

65.01-70% 0.460 0.460 0.585

70.01-75% 0.710 0.710 0.835

75.01-80% 1.085 1.085 1.210

0.335 0.460 0.710 0.960 1.210 CLTV 60.01-65% 0.335 0.335 0.460 0.585 0.710 0.960 1.210 1.460

CLTV

60.01-65% 0.335 0.335 0.460 0.585 0.710

0.960 1.210

0.710 0.835 1.085 1.460 1.835

0.960 1.210 1.585 1.960

n/a

1.335 1.585 1.960 2.480

n/a

65.01-70% 0.710 0.710 0.835 0.960 1.085

1.335 1.710 2.095

70.01-75% 0.960 0.960 1.085 1.210 1.460

1.835 2.210

n/a

75.01-80% 1.335 1.335 1.460 1.695 1.985

2.410 3.000

n/a

65.01-70% 0.960 0.960 1.085 1.210 1.335 1.585 1.960

70.01-75% 1.460 1.460 1.585 1.710 1.960 2.335 2.710

75.01-80% n/a n/a n/a n/a n/a

Ruby A2 Fixed Adjustments

Applies to ALL Ruby A1 Loans:

Self-Employed Borrower >80 LTV No MI and LTV 80.01-85% >80 LTV No MI and LTV 85.01-90%

0.000 1.000 1.375

**Loan amount change of 10% (increasing/decreasing) will be

subject worse case pricing ** Rate changes .25% (increasing/decreasing) in interest rate

will be subject to worse case pricing

Maximum Rebate/Price Cap

(Price cap is after all LLPAs but before Lender Paid Comp)

*Ruby A1 Jumbo Fixed

102.240

Primary Purchase

Credit Score

800+ 780-799 760-779

740-759 720-739 700-719

Primary No Cash-out Refi Credit Score

800+ 780-799

760-779

740-759

720-739

700-719 Primary Cash-out Refi Credit Score

800+

780-799

760-779

740-759

720-739

700-719 Second Home Purchase

Credit Score

800+ 780-799 760-779

740-759 720-739

Second Home No Cash-out Refi Credit Score

800+

780-799

760-779

740-759

720-739 Second Home Cash-out Refi Credit Score

800+

780-799 760-779

740-759

720-739 Non-Owner Purchase

Credit Score

800+ 780-799 760-779

740-759 720-739

Non-Owner No Cash-out Refi Credit Score

800+

780-799

760-779

740-759 720-739

0-55% (0.540) (0.540) (0.415) (0.415) (0.290) (0.165)

0-55% (0.165) (0.165) (0.040) (0.040) 0.085 0.210

0-55% 0.085 0.085 0.210 0.210

n/a n/a

0-55% (0.540) (0.540) (0.415) (0.415) (0.290)

0-55% (0.165) (0.165) (0.040) (0.040) 0.085

0-55% 0.085 0.085 0.210 0.210

n/a

0-55% 0.210 0.210 0.335 0.335 0.460

0-55% 0.585 0.585 0.710 0.710 0.835

55.01-60% (0.540) (0.540) (0.415) (0.415) (0.290) (0.165)

55.01-60% (0.165) (0.165) (0.040) (0.040) 0.085 0.210

55.01-60% 0.085 0.085 0.210 0.210 n/a n/a

55.01-60% (0.540) (0.540) (0.415) (0.415) (0.290)

55.01-60% (0.165) (0.165) (0.040) (0.040) 0.085

55.01-60% 0.085 0.085 0.210 0.210 n/a

55.01-60% 0.210 0.210 0.335 0.335 0.460

55.01-60% 0.585 0.585 0.710 0.710 0.835

60.01-65% (0.540) (0.540) (0.415) (0.290) (0.290) (0.165)

60.01-65% (0.165) (0.165) (0.040) 0.085 0.085 0.210

60.01-65% 0.210 0.210 0.335 0.460 n/a n/a

60.01-65% (0.540) (0.540) (0.415) (0.290) (0.290)

60.01-65% (0.165) (0.165) (0.040) 0.085 0.085

60.01-65% 0.210 0.210 0.335 0.460 n/a

60.01-65% 0.460 0.460 0.585 0.710 0.710

60.01-65% 0.835 0.835 0.960 1.085 1.085

CLTV

65.01-70% (0.290) (0.290) (0.290)

(0.165) (0.165) (0.040) CLTV 65.01-70% (0.040) (0.040) (0.040) 0.085 0.085 0.210 CLTV 65.01-70%

0.460 0.460 0.460 0.585

n/a n/a CLTV

65.01-70% (0.290) (0.290) (0.290)

(0.165) (0.165) CLTV 65.01-70% (0.040) (0.040) (0.040) 0.085 0.085 CLTV 65.01-70% 0.4600 0.4600 0.4600 0.5850

n/a CLTV

65.01-70% 1.210 1.210 1.210

1.335 1.335 CLTV 65.01-70% 1.460 1.460 1.460 1.585 1.585

70.01-75% (0.290) (0.290) (0.290)

(0.040) 0.085 0.460

75.01-80% (0.290) (0.290) (0.290)

(0.040) 0.210 0.710

80.01-85% 1.085 1.085 1.210

1.460 1.710

n/a

70.01-75% (0.040) (0.040) (0.040) 0.210 0.335 0.710

75.01-80% (0.040) (0.040) (0.040) 0.210 0.460 0.960

80.01-85% n/a n/a n/a n/a n/a n/a

70.01-75% 0.710 0.710 0.710 0.960 n/a n/a

75.01-80% 0.960 0.960 0.960 1.210 n/a n/a

80.01-85% n/a n/a n/a n/a n/a n/a

70.01-75% (0.290) (0.290) (0.290)

(0.040) 0.085

75.01-80% 0.210 0.210 0.210

0.460 0.710

80.01-85% n/a n/a n/a

n/a n/a

70.01-75% (0.040) (0.040) (0.040) 0.210 0.335

75.01-80% 0.460 0.460 0.460 0.710 0.960

80.01-85% n/a n/a n/a n/a n/a

70.01-75% n/a n/a n/a n/a n/a

75.01-80% n/a n/a n/a n/a n/a

80.01-85% n/a n/a n/a n/a n/a

70.01-75% n/a n/a n/a

n/a n/a

75.01-80% n/a n/a n/a

n/a n/a

80.01-85% n/a n/a n/a

n/a n/a

70.01-75% n/a n/a n/a n/a n/a

75.01-80% n/a n/a n/a n/a n/a

80.01-85% n/a n/a n/a n/a n/a

85.01-90% 1.585 1.585 1.710 1.960 2.210 n/a

85.01-90% n/a n/a n/a n/a n/a n/a

85.01-90% n/a n/a n/a n/a n/a n/a

85.01-90% n/a n/a n/a n/a n/a

85.01-90% n/a n/a n/a n/a n/a

85.01-90% n/a n/a n/a n/a n/a

85.01-90% n/a n/a n/a n/a n/a

85.01-90% n/a n/a n/a n/a n/a

Applies to ALL Ruby A2 Loans:

Condo & LTV 65.01-70% Condo & LTV 70.01-75% Condo & LTV 75.01-80% 2 Units & LTV 65.01-70%

3 & 4 Units & LTV .01-60% 3 & 4 Units & LTV 60.01-65% Loan Amt >$1.5MM - $3MM

0.125 0.250 0.500 0.250

0.250 0.375 0.250

Self-Employed Borrower & LTV 60.01-65%

0.375

Self-Employed Borrower & LTV 65.01-75%

0.375

Self-Employed Borrower & LTV 75.01-80%

0.375

**Loan amount change >=10% will be subject worse case pricing

** Rate change > .25% in interest rate will be subject to worse case

pricing

Maximum Rebate/Price Cap

(Price cap is after all LLPAs but before Lender Paid Comp)

*Ruby A2 Jumbo Fixed

102.290

Page 8 Rate Sheet: WHLS-1000

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