Wholesale Rate Sheet - Fremont Bank
Wholesale Rate Sheet
Portfolio rates unchanged
Announcements & Current Specials - NEW Agency LLPA grid effective 03/03/2023
Rates as of
4/27/23 8:42 AM
Portfolio Lock Eligibility -
Portfolio ARM's must have an "Approval to Process" from Loan Committee prior to initial submission. Loan can then be locked after Conditional Approval is issued.
Lock Extension Fees:
Lock & Extension hours:
Cutoff Dates: Last Day For Closing This Month
Cutoff Date
GOLD & Standard: 0.025/day - 30 day max
9PM for Agency (GOLD & Standard) Last day to acknowledge CD (refi)
Thursday, April 20, 2023
Portfolio ARMs: 0.015/ day; 30 day max
4PM for Portfolio ARM's
Last day to sign to fund and record (refi)
Tuesday, April 25, 2023
4pm Relock & Extensions
Fees & LE's:
Loan Registration
Turn Times
Lender Origination fees for LE: Delivery Fee $ 25, Document
Purchase
24 Hours
Preparation Fee $ 125, Underwriting Fee $800 = $950
Refinance
24 Hours
Total Lender Fees- Port ARM- $950
Underwriting
Turn Times Turn Times
* Section B of LE: Flood $5.25
Purchase Transactions:
Initial u/w * Condition u/w
** Tax Service Fee: $25 if paying off FB 1st; $50 if other lender, N/A for FHA
Conventional
24 Hours 24 Hours
Max Comp $30k
Jumbo Portfolio ARMs
24 Hours 24 Hours
Min Loan Amount $125k
Refinance Transactions
Initial u/w * Condition u/w
Contact Us:
Helpful Links:
Conventional
24 Hours 24 Hours
locks@
Website
Jumbo Portfolio ARMs
24 Hours 24 Hours
submissions@
Guidelines
* Condition u/w includes processing time!
morrissupport@
Lock Policy Heloc Calculator
Loans in NOI status: condition / re-underwrite review: 24 Hours
Docs & Funding
Turn Times
Scott Borst - Sales Director
Docs
24 Hours
Scott.Borst@
Funding
24-48 hours
714-262-1801
Loss Payee & CPL:
Rate Sheet Index:
Loss Payee Clause:
CPL: Fremont Bank
Portfolio ARMs - Pg. 2
Fremont Bank
2580 Shea Center Drive
Port ARM Guidelines - Pg. 3
ISAOA, ITS SUCCESSORS OR ASSIGNEES Livermore Ca 94551
FNMA (Gold) - Pg. 4
P.O. Box 7295
FHLMC (Standard) - Pg. 5
Fremont, CA 94537-7295
LLPA Purchase - Pg. 6
LLPA R/T Refi - Pg. 7
LLPA Cash Out Refi - Pg. 8
HELOC Combo - Pg. 9
Intended for approved Mortgage Brokers use only and not for consumer use or for public distribution. The terms and programs are subject to change without notice.
Please refer to our website or contact us for current information. Pricing subject to change without notice
1
Announcements
4/27/2023
Wholesale Portfolio ARM Ratesheet
30 Day Avg SOFR 4.82%
5/6m SOFR ARM (Fully Amortizing) 2/1/5 Caps
MORRIS Plan 463
Price
Note Rate
Margin: Primary
Caps
and Second
Home
463/473
0.000
6.625%
2%/1%/5%
3.375%
463/473
(1.000)
6.750%
2%/1%/5%
3.375%
463/473
(1.250)
6.875%
2%/1%/5%
3.375%
463/473
(1.375)
7.000%
2%/1%/5%
3.375%
463/473
(1.500)
7.125%
2%/1%/5%
3.375%
Margin: Investment
Property 3.750% 3.750% 3.750% 3.750% 3.750%
Lock Term
45 Days 45 Days 45 Days 45 Days 45 Days
5/6m Prime Borrower QM Purchase Example
Adjustments
Price Note Rate
Base Price Prime Borrower QM (b)
5/6m Purchase (a) Final Price
(1.250) (1.250)
6.875% -0.250% -0.125% 6.500%
5/6m SOFR ARM (Interest Only) 2/1/5 Caps
MORRIS Plan 468
Price
Note Rate
Caps
468/478 468/478 468/478 468/478 468/478
0.000 (1.000) (1.250) (1.375) (1.500)
6.875% 7.000% 7.125% 7.250% 7.375%
5%/1%/5% 5%/1%/5% 5%/1%/5% 5%/1%/5% 5%/1%/5%
Margin: Primary and Second Home 3.375% 3.375% 3.375% 3.375% 3.375%
Margin: Investment
Property 3.750% 3.750% 3.750% 3.750% 3.750%
Lock Term
45 Days 45 Days 45 Days 45 Days 45 Days
Loan Level Rate Adjustments - Add to Rate - All Adjustments are independent of each other
Standardized Loan Level Rate Adjustments - Add to Rate
Expanded Loan Level Rate Adjustments
Purchase Specials 5/6m (a) Prime Borrower QM Special 5/6m (b)
-0.125 Foreclosure > 7 Years -0.250 Short Sale > 4 years & < 7 Years
0.500 Considered on an exception only basis. Approval to Process needed
0.250
prior to lock or submission. Contact your AE
> 760 FICO
0.000 > 43% DTI
0.250 Continuity of Obligation
0.125
Alternative Credit
0.500 Non-Occ Co-Borrower Income > 70%
0.125 Short Sale/ Loan Mod < 4 Years
0.500
Asset Depletion
0.250 FICO 700-719
0.125 2 or More Short Sales
0.250
Alternative Income (min 720 FICO)
0.250 File Complexity (d)
0.250 > 48% DTI
0.500
Unique Collateral
0.250 >75%-80% LTV
0.125 FICO < 660
1.000
Cash Out
0.250 2-4 Unit
0.125 FICO 660-679
0.500
BK > 4 years & < 7 Years
0.250 Condo
0.125 FICO 680-699
0.375
Investment Property (NOO) - Only 5/6m
0.250 Over Max Loan Amount
0.250
Temporary Financing
0.250 Up to 5% Over Max LTV
0.250
> Loan Amount $2.5mm (e)
0.250 > 5% - 10% Over Max LTV
0.375
Delayed Financing (outside of guide)
0.250 Outside Footprint
0.375
Non-Warrantable Condo (c)
0.375
Reserves Below Guidelines
0.250
Mortgage Late in last 12 Months
0.250
5-10 Financed Prop (NOO)
0.250
Important Program Details
Effective 06/03/2022 - Portfolio ARM's can lock after initial uw approval. Also, Port loans > $2.5mm 0.25 LLPA for existing apps but not accepting new loans > $2.5mm
Total Lender Fees are $950 for refi and purchase. See page 1 of the rate sheet Rate Adjustments are not Final until the file has received Final Approval by our Loan Committee and cleared for docs Non Owner: Maximum of 10 financed properties (a) Purchase Specials Not Applicable for: Major derogatory credit or mortgage lates regardless of seasoning, Outside Footprint & Port ARM/HELOC combos > 70% HCLTV (b) Prime Borrower QM Eligibility: Owner Occupied, FICO > 740, Max LTV/HCLTV < 75% (< 70% for refi), no self-employed income used to qualify and max of three (3) rental properties, no asset depletion, DTI < 43%, and fully amortizing only. (Non-warrantable Condos are ineligible) No exceptions allowed.
(c) Non-Warrantable Condo adjustment is in addition to standard condo adjustment if applicable. (d) File Complexity: 2 or more of following - >10 Fin Props, Leaseholds, New Condo Proj. w/Full Legal Review
- DTI Max 48% Fully-Amortizing/Max 45% I/O. Max LTV/HCLTV allowed for Interest Only is 75% Lock Extensions: Add to fee - 1.5bps per day; Max 30 days. Worse Case after max ext. ** To receive an 'Approval to Process', send your Account Executive your scenario. Accuracy is Critical. Be sure to indicate retirement accounts. Loss Payee: Fremont Bank, Its' Successors and/or Assigns. PO Box 7295, Fremont, CA 94536
2
Portfolio ARMs
4/27/2023
Wholesale Portfolio ARM Product Guidelines
Product Offering
Product Description
Occupancy
Margin
Term
Fully-Amortizing
Primary & Second Home Investment
3.375% 3.750%
30-year Fully Amortizing
Interest-Only
Primary & Second Home Investment
3.375% 3.750%
Interest-only for 10 yrs; 30-year term
LTV/CLTV and Loan Amount Matrix (Minimum loan amount is $100,000)
Occupancy
Maximum LTV
Maximum HCLTV
Primary Residence - Purchase or Rate & Term Only, Fully Amortizing Only
Primary Residence
80%3
75% 70%
80%2,3
75% 70%
Second Home
75%
75%
70%
70%
Investment Property
70%
70%
60%
60%
Index 30-Day Average SOFR
Caps
5/6 mo. ARM - 2/1/5 7/6 mo. ARM - 5/1/5 10/6 mo. ARM - 5/1/5
Loan Amount1,2
$1,500,000
< $2,000,000 $2,500,000 $1,000,000 $2,500,000 $1,000,000 $1,500,000
Closing Cost Option: Points and Fees option only 1Condomium maximum loan amount $1,000,000
2Investment Properties not permitted for the 10/6m SOFR ARMs 3Interest-Only max LTV/HCLTV is 75%
Underwriting Guidelines
Geographic Footprint Restrictions*
Northern California - Alameda, Contra Costa, Marin, Monterey, Napa, Sacramento, Santa Clara, Santa Cruz, San Francisco, San Mateo, Sonoma, Solano, San Joaquin, Placer and El Dorado Southern California - San Luis Obispo, Santa Barbara, Ventura, Los Angeles, Orange, San Diego and Riverside *Loans outside Fremont Bank's Footprint have a 5% reduction to max LTV/CLTV gudelines and maximum loan amount of $2,500,000
Property Types
Eligible Single Family Residence (SFR), PUD, Condo, 2-4 Units
Ineligible Modular Pre-Cut/Panelized Housing/Manufactured Homes, Leasehold Estates, Co-ops/Condo Hotels, Non-Warrantable Condo Investment Properties
Loan Purpose FICO/DTI/Cash Out
Purchase, Rate & Term Refinance, Cash-Out Refinance (Rate & Term refinance allowed with up to 1% cash back)
Minimum FICO- Fully Amortizing Minimum FICO- Interest-Only
Max DTI-
Maximum DTI-
700
720
48%
45%
1Cash-out amount excludes payoff of second lien when seasoned at least 12 months or HELOC with < $2k in most recent 6 months
Maximum Cash Out2 $500,000
Prime Borrower QM
Eligible for Owner Occupied, FICO > 740, Max LTV/HCLTV < 75% (< 70% for refi), no self-employed income used to qualify and a max of 3 rental properties, no asset depletion, DTI < 43%, and fully amort. products. (Non-Warrantable Condo Ineligible) No exceptions allowed.
Maximum Financed Properties
Occupancy
Primary Second Home & Investment Second Home & Investment (Condo not permitted as subject)
Maximum Financed Properties (Includes Subject Property) No Limit 1-4
5-10
Maximum LTV/CLTV
See Matrix See Matrix
65%
Maximum Loan Amount
See Matrix See Matrix
$1,000,000
Credit Requirements
? FICO Score required for all borrowers- lowest middle score used ? No late payments on any existing mortgage in the past 12 months. Exceptions may be considered based on strong compensating factors and
circumstances of the late mortgage payment(s). However exceptions will not be allowed if lates are > 2x30 or 1x60 in last 12 months. ? Lender must obtain a payment history for each residential mortgage or rental history, including accounts that do not appear on the credit
report No Exceptions to the following: ? Bankruptcy: A four (4) year waiting period is required, measured from the discharge or dismissal date of the bankruptcy action or completion
date of the foreclosure. Borrower must re-establish credit. ? Foreclosure: A seven (7) year waiting period is required, measured from the discharge or dismissal date of the bankruptcy action or
completion date of the foreclosure. Borrower must re-establish credit. ? Deed-in-Lieu/Short Sale: A two (2) year waiting period is required measured from the completion, discharge or dismissal date of the short
sale/deed-in-lieu of foreclosure to the new application date. Borrower must re-establish credit. ? No previous Deed-in-Lieu/Short Sale or Bankruptcy/Foreclosure regardless of waiting period for interest-only option Investment Properties
Underwriting Documentation Requirements
? Manual underwriting required to current Fannie Mae manual underwriting guidelines for items not covered in this matrix. Any exceptions to this matrix or FNMA manual underwriting guidelines must be approved by ROLC.
? All Condo Projects are subject to FNMA CPM Condo Project Approval guidelines No Exceptions to the following: ? Eight underwriting criteria must be addressed/documented and must reflect the borrowers ability to repay (general ATR).
Product
Qualify based on
ATR Port 5/6 ARMFully-Amortizing
Fully amortizing payment (PITIA) at higher of start rate + 2% or the fully indexed rate
ATR Port 5/6 ARMInterest-Only
Fully amortizing payment (PITIA) at higher of start rate + 2% or the fully indexed rate
ATR Port 7/6 & 10/6 ARMFully-Amortizing
Fully amortizing payment (PITIA) at the higher of the fully indexed rate or note rate
ATR Port 7/6 & 10/6 ARMInterest-Only
Fully amortizing payment (PITIA) at higher of fully indexed rate or note rate
? Full documentation covering the most recent 2 years required ? Executed 4506C with personal 1040 tax transcripts required (Broker provided transcripts from third party allowed) ? Full ALTA Lenders Title Policy ? Fraud evaluation required on all loans
? 6 months PITIA for Owner Occupied/Second Home and 12 months PITIA for Investment1 and/or Interest only
Qualifying 30-year 20-year 30-year 20-year
Reserve Requirements (Fully amortizing and Interest
only)
Note: Owner Occupied, > 760 FICO, < 60% LTV/HCLTV, < 38% DTI - Zero months verified2
1. >4 5-10 Financed Properties - Aditional 3 6 months' reserves required > 10 Financed properties requires ATP and additioal 12 months PITIA reserves) 2. Assets to still be stated on the URLA (1003) at time of application
Appraisal Requirements 3
? Full Appraisal required (Form 1004/1073) (Loan amounts >$2.5MM may require a Field Review or Second appraisal based on review by Chief Appraiser)
? Internal Desk Review required on all loans outside NorCal footprint and loan amounts > $1,500,000 ? Internal Desk Review required on all loans = or > $1,500,000 ? Fremont Bank to order all appraisals ? transferred appraisals to Fremont Bank may be allowed, if reviewed and approved by the Bank's
Chief Appraiser or designee
Rates as of
4/27/23 8:42 AM
FNMA (GOLD): Conforming & High Balance Fixed Rate First Mortgages - DU only underwriting
MORRIS Plan 113 Rate 5.750 5.875 6.000 6.125 6.250 6.375 6.500 6.625 6.750 6.875 7.000
7.125
15 Day 0.680 0.199 0.212 (0.114) (0.749) (0.900) (1.060) (1.195) (1.769) (1.904) (2.036)
(2.346)
30 Year Fixed Rate Conf 30 Day 0.910 0.419 0.432 0.107 (0.529) (0.670) (0.830) (0.965) (1.549) (1.684) (1.816)
(2.116)
45 Day 0.840 0.359 0.372 0.047 (0.589) (0.730) (0.900) (1.035) (1.609) (1.744) (1.876)
(2.176)
MORRIS Plan 114 Rate 5.750 5.875 6.000 6.125 6.250 6.375 6.500 6.625 6.750 6.875 7.000
7.125
15 Day 0.183 (0.172) (0.541) (0.876) (1.292) (1.615) (1.695) (1.632) (1.868) (2.193) (2.237)
(2.528)
20 Year Fixed Rate Conf 30 Day 0.313 (0.042) (0.411) (0.756) (1.162) (1.485) (1.565) (1.502) (1.738) (2.063) (2.107)
(2.398)
45 Day 0.403 0.059 (0.321) (0.656) (1.062) (1.395) (1.465) (1.412) (1.648) (1.963) (2.017)
(2.308)
7.250
7.375
7.500 MORRIS Plan 115
Rate 5.000 5.125 5.250 5.375 5.500 5.625 5.750 5.875 6.000 6.125 6.250
(2.880) (3.017) (3.154)
15 Day 0.906 0.523 0.219 0.168 (0.014) (0.361) (0.618) (0.685) (1.085) (1.357) (1.594)
(2.650)
(2.797)
(2.924) 15 Year Fixed Rate Conf
30 Day 1.036 0.653 0.339 0.288 0.107 (0.231) (0.488) (0.555) (0.955) (1.237) (1.474)
(2.710) (2.857) (2.984)
45 Day 1.086 0.693 0.389 0.338 0.157 (0.181) (0.438) (0.515) (0.905) (1.187) (1.424)
7.250
MORRIS Plan 116 Rate 5.000 5.125 5.250 5.375 5.500 5.625 5.750 5.875 6.000 6.125 6.250
(2.854)
(2.724)
(2.624)
15 Day 1.274 0.890 0.585 0.537 0.074 (0.256) (0.514) (0.585) (0.995) (1.271) (1.510)
10 Year Fixed Rate Conf 30 Day 1.394 1.020 0.715 0.657 0.204 (0.136) (0.384) (0.455) (0.865) (1.141) (1.380)
45 Day 1.444 1.060 0.765 0.707 0.254 (0.086) (0.344) (0.405) (0.825) (1.101) (1.330)
6.375
(1.691)
(1.561)
(1.511)
6.375
(1.598)
(1.468)
(1.418)
6.500 MORRIS Plan 127
Rate
(1.628)
(1.498)
30 Year High Balance Fixed Rate
15 Day
30 Day
(1.458) 45 Day
MORRIS Plan 128 Rate
15 Year High Balance Fixed Rate
15 Day
30 Day
45 Day
5.500
3.815
4.045
3.995
5.000
3.582
3.632
3.682
5.625
3.193
3.413
3.363
5.125
3.218
3.258
3.308
5.750
2.610
2.840
2.780
5.250
0.815
0.865
0.915
5.875
2.059
2.279
2.229
5.375
0.413
0.463
0.503
6.000
1.502
1.732
1.672
5.500
(0.008)
0.043
0.083
6.125
1.017
1.247
1.187
5.625
(0.315)
(0.265)
(0.215)
6.250
0.622
0.842
0.792
5.750
(0.542)
(0.492)
(0.442)
6.375
0.330
0.560
0.510
5.875
(0.690)
(0.640)
(0.590)
6.500
0.200
0.420
0.370
6.000
(1.080)
(1.030)
(0.980)
6.625
0.246
0.476
0.426
6.125
(1.311)
(1.271)
(1.221)
6.750
(0.089)
0.142
0.082
6.250
(1.508)
(1.468)
(1.418)
6.875
(0.354)
(0.134)
(0.184)
6.375
(1.585)
(1.535)
(1.485)
7.000
(0.456)
(0.226)
(0.286)
6.500
(1.523)
(1.473)
(1.423)
Intended for approved Mortgage Brokers use only and not for consumer use or for public distribution. The terms and programs are subject to change without notice.
Please refer to our website or contact us for current information.
4
(FNMA) Gold
Rates as of
4/27/23 8:42 AM
FHLMC (Standard): Conforming & High Balance Fixed First Mortgages - LP Only
MORRIS Plan 210
30 Year Fixed Rate Conf
MORRIS Plan 211
20 Year Fixed Rate Conf
MORRIS Plan 212
15 Year Fixed Rate Conf
Rate
15 Day 30 Day 45 Day
Rate
15 Day 30 Day 45 Day
Rate
15 Day 30 Day 45 Day
5.750
0.840
1.050
0.950
5.750
0.273
0.433
0.533
5.000
0.976
1.096
1.186
5.875
0.489
0.689
0.599
5.875
(0.082) 0.089
0.179
5.125
0.533
0.643
0.713
6.000
0.192
0.402
0.302
6.000
(0.451) (0.281) (0.191)
5.250
0.179
0.279
0.349
6.125
(0.054) 0.157
0.057
6.125
(0.816) (0.646) (0.556)
5.375
(0.003) 0.098
0.168
6.250
(0.489) (0.289) (0.389)
6.250
(0.992) (0.852) (0.772)
5.500
(0.204) (0.094) (0.024)
6.375
(0.780) (0.590) (0.680)
6.375
(1.345) (1.205) (1.115)
5.625
(0.391) (0.301) (0.251)
6.500
(1.090) (0.890) (0.990)
6.500
(1.775) (1.625) (1.535)
5.750
(0.638) (0.538) (0.488)
6.625
(1.295) (1.095) (1.195)
6.625
(1.842) (1.702) (1.602)
5.875
(0.855) (0.755) (0.695)
6.750
(1.499) (1.289) (1.369)
6.750
(1.918) (1.808) (1.728)
6.000
(1.125) (1.035) (0.975)
6.875
(1.804) (1.594) (1.674)
6.875
(2.223) (2.103) (2.023)
6.125
(1.197) (1.107) (0.997)
7.000
(1.986) (1.766) (1.856)
7.000
(2.417) (2.307) (2.227)
6.250
(1.414) (1.324) (1.214)
7.125
(2.236) (2.026) (2.106)
7.125
(2.708) (2.598) (2.518)
6.375
(1.681) (1.581) (1.471)
7.250
(2.350) (2.090) (2.130)
7.250
(2.724) (2.574) (2.464)
6.500
(1.788) (1.698) (1.578)
7.375
(2.637) (2.377) (2.417)
7.500
(2.854) (2.594) (2.634)
MORRIS Plan 227 30 Year High Balance Fixed Rate MORRIS Plan 228 15 Year High Balance Fixed Rate
Rate
15 Day 30 Day 45 Day
Rate
15 Day 30 Day 45 Day
5.500
3.815
4.045
3.995
5.000
3.582
3.632
3.682
5.625
3.193
3.413
3.363
5.125
3.218
3.258
3.308
5.750
2.610
2.840
2.780
5.250
0.815
0.865
0.915
5.875
2.059
2.279
2.229
5.375
0.413
0.463
0.503
6.000
1.502
1.732
1.672
5.500
(0.008) 0.043
0.083
6.125
1.017
1.247
1.187
5.625
(0.315) (0.265) (0.215)
6.250
0.622
0.842
0.792
5.750
(0.542) (0.492) (0.442)
6.375
0.330
0.560
0.510
5.875
(0.690) (0.640) (0.590)
6.500
0.200
0.420
0.370
6.000
(1.080) (1.030) (0.980)
6.625
0.246
0.476
0.426
6.125
(1.311) (1.271) (1.221)
6.750
(0.089) 0.142
0.082
6.250
(1.508) (1.468) (1.418)
6.875
(0.354) (0.134) (0.184)
6.375
(1.585) (1.535) (1.485)
7.000
(0.456) (0.226) (0.286)
6.500
(1.523) (1.473) (1.423)
30 Day Avg SOFR
4.82%
FHLMC (Standard): Conforming & High Balance ARM's - LP Only
MORRIS Plan 848
5/6m SOFR ARM Conf Margin 2.750 - Caps 2/1/5
MORRIS Plan 849
7/6m SOFR ARM Conf Margin 2.750 - Caps 5/1/5
MORRIS Plan 850
10/6m SOFR ARM Conf Margin 2.750 - Caps 5/1/5
Rate
15 Day 30 Day 45 Day
Rate
15 Day 30 Day 45 Day
Rate
15 Day 30 Day 45 Day
4.250
5.360
5.290
5.230
4.250
6.610
6.550
6.490
4.500
6.620
6.570
6.520
4.375
5.070
5.010
4.950
4.375
6.190
6.130
6.080
4.625
6.190
6.140
6.100
4.500
4.780
4.720
4.670
4.500
5.760
5.710
5.660
4.750
5.790
5.740
5.700
4.625
4.490
4.440
4.390
4.625
5.340
5.290
5.240
4.875
5.400
5.360
5.320
4.750
4.160
4.110
4.070
4.750
4.930
4.890
4.850
5.000
5.020
4.980
4.950
4.875
3.790
3.750
3.710
4.875
4.550
4.510
4.470
5.125
4.630
4.600
4.570
5.000
3.430
3.390
3.350
5.000
4.160
4.130
4.090
5.250
4.330
4.300
4.280
5.125
3.060
3.030
3.000
5.125
3.780
3.740
3.710
5.375
4.090
4.070
4.050
5.250
2.740
2.710
2.680
5.250
3.440
3.410
3.380
5.500
3.850
3.840
3.820
5.375
2.450
2.420
2.400
5.375
3.140
3.120
3.090
5.625
3.620
3.600
3.590
5.500
2.160
2.140
2.120
5.500
2.840
2.820
2.800
5.750
3.320
3.310
3.310
MORRIS Plan 865
5/6m SOFR ARM HB
Margin
2.750 - Caps 2/1/5
MORRIS Plan 866
7/6m SOFR ARM HB
Margin
2.750 - Caps 5/1/5
MORRIS Plan 867
10/6m SOFR ARM HB Margin 2.750 - Caps 5/1/5
Rate
15 Day 30 Day 45 Day
Rate
15 Day 30 Day 45 Day
Rate
15 Day 30 Day 45 Day
4.250
6.360
6.290
6.230
4.250
7.610
7.550
7.490
4.500
8.120
8.070
8.020
4.375
6.070
6.010
5.950
4.375
7.190
7.130
7.080
4.625
7.690
7.640
7.600
4.500
5.780
5.720
5.670
4.500
6.760
6.710
6.660
4.750
7.290
7.240
7.200
4.625
5.490
5.440
5.390
4.625
6.340
6.290
6.240
4.875
6.900
6.860
6.820
4.750
5.160
5.110
5.070
4.750
5.930
5.890
5.850
5.000
6.520
6.480
6.450
4.875
4.790
4.750
4.710
4.875
5.550
5.510
5.470
5.125
6.130
6.100
6.070
5.000
4.430
4.390
4.350
5.000
5.160
5.130
5.090
5.250
5.830
5.800
5.780
5.125
4.060
4.030
4.000
5.125
4.780
4.740
4.710
5.375
5.590
5.570
5.550
5.250
3.740
3.710
3.680
5.250
4.440
4.410
4.380
5.500
5.350
5.340
5.320
5.375
3.450
3.420
3.400
5.375
4.140
4.120
4.090
5.625
5.120
5.100
5.090
5.500
3.160
3.140
3.120
5.500
3.840
3.820
3.800
5.750
4.820
4.810
4.810
Intended for approved Mortgage Brokers use only and not for consumer use or for public distribution. The terms and programs are subject to change without notice.
Please refer to our website or contact us for current information.
5
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