Wholesale Rate Sheet - Fremont Bank

[Pages:12]Wholesale Rate Sheet

Portfolio Arm rates unchanged

Announcements & Current Specials - NEW Agency LLPA grid effective 03/03/2023

Rates as of

10/6/23 8:26 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: 0.02/day - 30 day max

9PM for Agency (GOLD & Standard) Last day to acknowledge CD (refi)

Monday, October 23, 2023

Portfolio ARMs: 0.015/ day; 30 day max

4PM for Portfolio ARM's

Last day to sign to fund and record (refi)

Thursday, October 26, 2023

4pm Relock & Extensions

Fees & LE's:

Loan Registration

Turn Times

Lender Origination fees for LE: Delivery Fee $ 25, Document Preparation Fee $ 125, Underwriting Fee $800 = $950

Purchase Refinance

24 Hours 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

Loans in NOI status: condition / re-underwrite review: 24 Hours

Heloc Calculator

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

Gold Jumbo Pricing & LLPAs- Pg. 4-6

P.O. Box 7295

FNMA (Gold) - Pg. 7

Fremont, CA 94537-7295

FHLMC (Standard) - Pg. 8

LLPA Purchase - Pg. 9

LLPA R/T Refi - Pg. 10

LLPA Cash Out Refi - Pg. 11

HELOC Combo - Pg. 12

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

10/6/2023

Wholesale Portfolio ARM Ratesheet

30 Day Avg SOFR

5/6m SOFR ARM (Fully Amortizing) 2/1/5 Caps

MORRIS Plan 463

Price

Note Rate

Caps

463/473 463/473 463/473

0.000 (1.000) (1.250)

7.125% 7.250% 7.375%

2%/1%/5% 2%/1%/5% 2%/1%/5%

Margin: Primary and Second Home

3.375%

3.375%

3.375%

Margin: Investment

Property 3.750%

3.750%

3.750%

5/6m SOFR ARM (Interest Only) 2/1/5 Caps

MORRIS Plan 468

Price

Note Rate

Caps

468/478 468/478 468/478

0.000 (1.000) (1.250)

7.375% 7.500% 7.625%

2%/1%/5% 2%/1%/5% 2%/1%/5%

Margin: Primary and Second Home

3.375%

3.375%

3.375%

Margin: Investment

Property 3.750%

3.750%

3.750%

Lock Term 45 Days 45 Days 45 Days

Lock Term 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)

7.375% -0.125% -0.125% 7.125%

5.32%

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)

-0.125 Foreclosure > 7 Years

0.500 Considered on an exception only basis. Approval to Process needed

Prime Borrower QM Special 5/6m (b)

-0.125 Short Sale/ BK > 4 years & < 7 Years

0.500

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

0.250 Short Sale/ Loan Mod < 4 Years

0.750

Asset Depletion

0.250 FICO 700-719

0.250 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

0.250 FICO < 660

1.000

Cash Out

0.250 2-4 Unit

0.125 FICO 660-679

0.500

BK > 4 years & < 7 Years

0.500 Condo

0.125 FICO 680-699

0.375

Investment Property (NOO) - Only 5/6m

0.375 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 Properties in Southern California Footprint

0.250

Outside Nothern CA and Souther CA 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

10/6/2023

Wholesale Portfolio ARM Product Guidelines

Product Offering

Product Description

Occupancy

Margin

Term

Index

Caps

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

80%3

80%2,3

Primary Residence

75%

75%

70%

70%

30-Day Average SOFR

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

Second Home

75%

75%

$1,000,000

70%

70%

$2,500,000

Investment Property

70%

70%

$1,000,000

60%

60%

$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.

Occupancy

Maximum Financed Properties (Includes Subject Property)

Maximum LTV/CLTV

Maximum Loan Amount

Maximum Financed Properties Credit Requirements

Underwriting Documentation Requirements

Primary

No Limit

See Matrix

Second Home & Investment

1-4

See Matrix

Second Home & Investment (Condo not permitted as subject)

5-10

65%

? 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

? 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 ARM-

Fully amortizing payment (PITIA) at higher of start rate + 2% or the fully indexed rate

Fully-Amortizing

ATR Port 5/6 ARM-

Fully amortizing payment (PITIA) at higher of start rate + 2% or the fully indexed rate

Interest-Only

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 ARM-

Fully amortizing payment (PITIA) at higher of fully indexed rate or note rate

Interest-Only

? 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

See Matrix See Matrix $1,000,000

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

10/6/23 8:26 AM

Gold Program - Jumbo Fixed Rate Mortgage

MORRIS Plan 553

Rate 6.250 6.375 6.500 6.625 6.750 6.875 7.000 7.125 7.250 7.375 7.500 7.625 7.750

30 Year Super Jumbo Fixed Rate

15 Day 4.360 3.760 3.170 2.580 1.980 1.390 0.800 0.230 (0.330) (0.890) (1.430) (1.950) (2.450)

30 Day 4.600 4.010 3.410 2.820 2.220 1.630 1.050 0.470 (0.090) (0.650) (1.180) (1.710) (2.200)

45 Day 4.870 4.270 3.680 3.080 2.490 1.900 1.310 0.730 0.160 (0.380) (0.920) (1.440) (1.940)

MORRIS Plan 554

Rate 6.500 6.625 6.750 6.875 7.000 7.125 7.250 7.375 7.500 7.625

15 Year Super Jumbo Fixed Rate

15 Day 2.930 2.450 1.980 1.530 1.090 0.660 0.240 (0.150) (0.540) (0.920)

30 Day 3.060 2.580 2.110 1.660 1.210 0.780 0.370 (0.030) (0.420) (0.790)

45 Day 3.310 2.830 2.360 1.910 1.460 1.030 0.620 0.210 (0.170) (0.540)

Max Net Rebate

Loan Amount 30 Yr

< $1,000,000

-0.500

> $1,000,000 Loan Amount

-0.500 15 Yr

< $1,000,000

-1.250

> $1,000,000

-1.000

Max YSP cannot exceed max net

rebate.

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

Gold Jumbo

Rates as of

10/6/23 8:26 AM

Gold Program Jumbo LLPAs - 30 yr Fixed Rate

FICO & LTV/CLTV LLPAs (Purchase)-- Add to Price

FICO / LTV (CLTV)

50

50.01-55

55.01-60

680-699

0.250

0.375

0.625

700-719

0.000

0.000

0.125

720-739

0.000

0.000

0.000

740-759

(0.125)

(0.125)

(0.125)

760-779

(0.375)

(0.375)

(0.250)

780

(0.500)

(0.500)

(0.375)

FICO & LTV/ CLTV LLPAs (Rate/Term Refi)-- Add to Price

FICO / LTV (CLTV)

50

50.01-55

55.01-60

680-699

0.375

0.500

0.750

700-719

0.125

0.125

0.250

720-739

0.125

0.125

0.125

740-759

0.000

0.000

0.000

760-779

(0.250)

(0.250)

(0.125)

780

(0.375)

(0.375)

(0.250)

FICO & LTV/ CLTV LLPAs (Cash Out Refi)-- Add to Price

FICO / LTV (CLTV)

50

50.01-55

55.01-60

680-699

NA

NA

NA

700-719

0.250

0.250

0.375

720-739

0.250

0.250

0.250

740-759

0.125

0.125

0.125

760-779

(0.125)

(0.125)

0.000

780

(0.250)

(0.250)

(0.125)

Loan Amount & LTV, CLTV LLPAs for all Loans -- Add to Price

Loan Amounts

50

50.01-55

55.01-60

1,000,000

0.000

0.000

0.000

1,000,001-1,500,000

0.000

0.000

0.000

1,500,001-2,000,000

0.000

0.000

0.000

2,000,001-2,500,000

0.000

0.000

0.000

Feature LLPAs for all Loans -- Add to Price

Feature

50

50.01-55

55.01-60

2 Unit

0.250

0.250

0.250

3-4 Units

0.375

0.375

0.375

Second Home

0.250

0.250

0.375

Investment

1.750

1.875

2.250

Non-War. Condo

NA

NA

NA

Condo-Hotel

NA

NA

NA

Product LLPAs for all Loans -- Add to Price

Product

50

50.01-55

55.01-60

5 yr Hybrid

NA

NA

NA

7 yr Hybrid

NA

NA

NA

10 yr Hybrid

NA

NA

NA

15 yr Fixed

NA

NA

NA

20 yr Fixed(add to 30 yr Fixed) NA

NA

NA

30 yr Fixed

0.000

0.000

0.000

State LLPAs for all Loans -- Add to Price

30 Yr Fixed CA

0.000

0.000

0.000

With Escrows

(0.125)

(0.125)

(0.125)

DTI

< 43.00

0.000

43.01 to 45.00

2.000

45.01 to 47.00

4.000

> 47.00

6.500

60.01-65 1.000 0.375 0.125 0.000 (0.125) (0.250)

60.01-65 1.125 0.500 0.250 0.125 0.000 (0.125)

60.01-65 NA

0.625 0.375 0.250 0.125 0.000

60.01-65 0.000 0.000 0.000 0.000

60.01-65 0.375 0.500 0.500 2.750 NA NA

60.01-65 NA NA NA NA NA

0.000

0.000 (0.125)

65.01-70 2.000 0.875 0.375 0.125 0.125 (0.125)

65.01-70 2.125 1.000 0.500 0.250 0.250 0.000

65.01-70 NA NA

0.625 0.375 0.375 0.125

65.01-70 0.000 0.000 0.250 0.375

65.01-70 0.500 0.625 0.750 3.500 NA NA

65.01-70 NA NA NA NA NA

0.000

0.000 (0.125)

70.01-75 NA

1.375 0.625 0.375 0.250 0.000

70.01-75 NA

1.500 0.750 0.500 0.375 0.125

70.01-75 NA NA NA NA NA NA

70.01-75 0.000 0.125 0.375 NA

70.01-75 NA NA

1.500 NA NA NA

70.01-75 NA NA NA NA NA

0.000

0.000 (0.125)

75.01-80 NA

2.000 1.125 0.875 0.500 0.125

75.01-80 NA

2.125 1.250 1.000 0.625 0.250

75.01-80 NA NA NA NA NA NA

75.01-80 0.125 0.250 NA NA

75.01-80 NA NA

2.000 NA NA NA

75.01-80 NA NA NA NA NA

0.000

0.000 (0.125)

No MI

80.01-85 NA NA NA

3.375 2.375 1.375 No MI 80.01-85

NA

NA

NA 3.500 2.500 1.500 No MI 80.01-85

NA NA NA

NA

NA NA No MI 80.01-85 0.250 NA NA NA No MI

80.01-85 NA NA NA NA NA NA

No MI 80.01-85

NA NA NA NA NA 0.000 No MI 0.000 (0.125)

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

Gold Jumbo llpa's 30 Yr

Rates as of

10/6/23 8:26 AM

Gold Program Jumbo LLPAs - 15 Yr Fixed Rate

FICO & LTV/CLTV LLPAs (Purchase)-- Add to Price

FICO / LTV (CLTV)

50

50.01-55

55.01-60

680-699

NA

NA

NA

700-719

NA

NA

NA

720-739

(0.125)

0.000

0.000

740-759

(0.125)

0.000

0.000

760-779

(0.250)

(0.125)

(0.125)

780

(0.375)

(0.250)

(0.125)

FICO & LTV/ CLTV LLPAs (Rate/Term Refi)-- Add to Price

FICO / LTV (CLTV)

50

50.01-55

55.01-60

680-699

NA

NA

NA

700-719

NA

NA

NA

720-739

0.000

0.000

0.000

740-759

0.000

0.000

0.000

760-779

(0.125)

(0.125)

(0.125)

780

(0.250)

(0.250)

(0.125)

FICO & LTV/ CLTV LLPAs (Cash Out Refi)-- Add to Price

FICO / LTV (CLTV)

50

50.01-55

55.01-60

680-699

NA

NA

NA

700-719

NA

NA

NA

720-739

0.000

0.000

0.000

740-759

0.000

0.000

0.000

760-779

(0.125)

(0.125)

(0.125)

780

(0.250)

(0.250)

(0.125)

Loan Amount & LTV, CLTV LLPAs for all Loans -- Add to Price

Loan Amounts

50

50.01-55

55.01-60

1,000,000

(0.125)

(0.125)

0.000

1,000,001-1,500,000

(0.125)

(0.125)

0.000

1,500,001-2,000,000

(0.125)

0.000

0.000

2,000,001-2,500,000

(0.125)

0.000

0.000

Feature LLPAs for all Loans -- Add to Price

Feature

50

50.01-55

55.01-60

2 Unit

NA

NA

NA

3-4 Units

NA

NA

NA

Second Home

NA

NA

NA

Condo (LR & HR)

0.000

0.000

0.000

Investment

NA

NA

NA

Product LLPAs for all Loans -- Add to Price

Product

50

50.01-55

55.01-60

5 yr Hybrid

NA

NA

NA

7 yr Hybrid

NA

NA

NA

10 yr Hybrid

NA

NA

NA

15 yr Fixed

NA

NA

NA

State LLPAs for all Loans -- Add to Price

CA

0.000

0.000

0.000

Escrow LLPAs for all Loans -- Add to Price

With Escrows

(0.125)

(0.125)

(0.125)

DTI

< 43.00

0.000

43.01 to 45.00

0.750

45.01 to 47.00

1.250

> 47.00

1.750

60.01-65 NA NA

0.000 0.000 0.000 0.000

60.01-65 NA NA

0.000 0.000 0.000 0.000

60.01-65 NA NA

0.000 0.000 0.000 0.000

60.01-65 0.000 0.000 0.000 0.000

60.01-65 NA NA NA

0.000 NA

60.01-65 NA NA NA NA

0.500

(0.125)

65.01-70 NA NA

0.000 0.000 0.000 0.000

65.01-70 NA NA

0.000 0.000 0.000 0.000

65.01-70 NA NA NA NA NA NA

65.01-70 0.000 0.000 0.000 0.000

65.01-70 NA NA NA

0.000 NA

65.01-70 NA NA NA NA

0.750

(0.125)

70.01-75 NA NA

0.375 0.250 0.250 0.125

70.01-75 NA NA

0.375 0.250 0.250 0.125

70.01-75 NA NA NA NA NA NA

70.01-75 0.000 0.000 0.000 NA

70.01-75 NA NA NA

0.000 NA

70.01-75 NA NA NA NA

1.000

(0.125)

75.01-80 NA NA

0.500 0.375 0.250 0.250

75.01-80 NA NA

0.500 0.375 0.250 0.250

75.01-80 NA NA NA NA NA NA

75.01-80 0.000 0.000 NA NA

75.01-80 NA NA NA

0.000 NA

75.01-80 NA NA NA NA

1.250

(0.125)

No MI

80.01-85 NA NA NA NA NA NA

No MI 80.01-85

NA

NA

NA NA NA NA No MI 80.01-85 NA NA NA

NA

NA NA No MI 80.01-85 NA NA NA NA No MI

80.01-85 NA NA NA NA NA

No MI 80.01-85

NA NA NA NA No MI 0.000 No MI

(0.125)

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.

6

Gold Jumbo llpa's 15 Yr

Rates as of

10/6/23 8:26 AM

FNMA (GOLD): Conforming & High Balance Fixed Rate First Mortgages - DU only underwriting

MORRIS Plan 113 Rate 6.250 6.375 6.500 6.625 6.750 6.875 7.000 7.125 7.250 7.375

15 Day 4.732 4.260 3.670 3.016 2.462 2.017 1.635 1.045 0.581 0.184

30 Year Fixed Rate Conf 30 Day 4.962 4.490 3.900 3.246 2.682 2.237 1.865 1.275 0.801 0.414

45 Day 4.902 4.430 3.840 3.186 2.622 2.177 1.795 1.215 0.741 0.354

MORRIS Plan 114 Rate 6.000 6.125 6.250 6.375 6.500 6.625 6.750 6.875 7.000 7.125

15 Day 5.500 4.825 4.009 3.595 3.235 2.639 2.173 1.778 1.344 0.813

20 Year Fixed Rate Conf 30 Day 5.630 4.955 4.139 3.715 3.365 2.769 2.303 1.908 1.474 0.943

45 Day 5.720 5.055 4.239 3.815 3.465 2.869 2.393 1.998 1.574 1.033

7.500

(0.014)

0.217

0.147

7.250

0.417

0.547

0.647

7.625

(0.544)

(0.324)

(0.384)

7.375

0.068

0.198

0.298

7.750

(1.014)

(0.794)

(0.854)

7.500

(0.272)

(0.142)

(0.042)

7.875

(1.414)

(1.184)

(1.244)

8.000

(1.674)

(1.444)

(1.504)

MORRIS Plan 115 Rate 5.000 5.125 5.250 5.375 5.500 5.625 5.750

15 Day 5.276 4.833 4.469 4.148 3.637 3.240 2.903

15 Year Fixed Rate Conf 30 Day 5.406 4.963 4.599 4.278 3.767 3.360 3.033

45 Day 5.456 5.013 4.649 4.318 3.807 3.410 3.083

MORRIS Plan 116 Rate 5.000 5.125 5.250 5.375 5.500 5.625 5.750

15 Day 5.634 5.210 4.865 4.557 3.724 3.345 3.027

10 Year Fixed Rate Conf 30 Day 5.764 5.340 4.995 4.687 3.854 3.465 3.157

45 Day 5.804 5.390 5.035 4.737 3.894 3.515 3.197

5.875 6.000 6.125

2.585 2.095 1.744

2.715 2.225 1.864

2.765 2.265 1.914

5.875 6.000 6.125

2.645 2.175 1.830

2.765 2.305 1.960

2.815 2.345 2.010

6.250

1.437

1.557

1.607

6.250

1.541

1.671

1.721

6.375

1.340

1.460

1.510

6.375

1.453

1.583

1.623

6.500 MORRIS Plan 127

Rate 5.500 5.625 5.750 5.875 6.000 6.125 6.250 6.375

1.383

1.513

30 Year High Balance Fixed Rate

15 Day

30 Day

9.955

10.185

9.213

9.443

8.600

8.830

7.989

8.219

7.302

7.522

6.627

6.857

5.982

6.212

5.340

5.570

1.563

45 Day 10.125 9.383 8.770 8.169 7.472 6.797 6.162 5.510

MORRIS Plan 128 Rate 5.000 5.125 5.250 5.375 5.500 5.625 5.750 5.875

15 Year High Balance Fixed Rate

15 Day

30 Day

7.942

7.992

7.538

7.588

7.045

7.095

6.603

6.653

6.143

6.193

5.786

5.836

5.459

5.509

5.031

5.081

45 Day 8.042 7.638 7.145 6.703 6.243 5.876 5.549 5.121

6.500

4.690

4.920

4.870

6.000

4.591

4.641

4.691

6.625

4.126

4.356

4.306

6.125

4.300

4.340

4.390

6.750

3.652

3.882

3.832

6.250

4.053

4.093

4.143

6.875

3.287

3.517

3.457

6.375

3.966

4.016

4.066

7.000

3.155

3.375

3.325

6.500

4.018

4.068

4.118

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.

7

(FNMA) Gold

Rates as of

10/6/23 8:26 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

6.250 6.375 6.500 6.625 6.750 6.875 7.000

4.842 4.360 3.910 3.586 2.642 2.177 1.845

5.042 4.560 4.120 3.786 2.832 2.377 2.045

4.942 4.460 4.020 3.686 2.762 2.307 1.975

6.000 6.125 6.250 6.375 6.500 6.625 6.750

5.270 4.605 3.789 3.355 3.005 2.399 1.933

5.430 4.755 3.939 3.515 3.165 2.569 2.103

5.510 4.835 4.019 3.595 3.245 2.659 2.193

5.000 5.125 5.250 5.375 5.500 5.625 5.750

5.396 5.133 4.719 4.348 4.067 3.480 3.133

5.496 5.233 4.819 4.448 4.177 3.570 3.233

5.506 5.253 4.839 4.468 4.197 3.590 3.253

7.125 7.250 7.375 7.500 7.625 7.750 7.875 8.000 MORRIS Plan 227

1.525

1.715

1.655

0.771

0.961

0.881

0.334

0.534

0.454

0.007

0.207

0.137

(0.284) (0.074) (0.144)

(0.764) (0.484) (0.514)

(1.144) (0.864) (0.894)

(1.474) (1.184) (1.214)

30 Year High Balance Fixed Rate

6.875 7.000 7.125 7.250 7.375 7.500

MORRIS Plan 228

1.538 1.104 0.563 0.337 0.028 (0.222)

1.708 1.274 0.743 0.477 0.178 (0.072)

1.798 1.364 0.833 0.567 0.258 0.019

15 Year High Balance Fixed Rate

5.875 6.000 6.125 6.250 6.375 6.500

2.905 2.575 1.994 1.747 1.450 1.193

3.005 2.675 2.114 1.867 1.570 1.313

3.025 2.695 2.144 1.897 1.610 1.353

Rate

15 Day 30 Day 45 Day

Rate

15 Day 30 Day 45 Day

5.500 5.625 5.750 5.875 6.000 6.125 6.250 6.375 6.500 6.625 6.750 6.875

9.955 9.213 8.600 7.989 7.302 6.627 5.982 5.340 4.690 4.126 3.652 3.287

10.185 9.443 8.830 8.219 7.522 6.857 6.212 5.570 4.920 4.356 3.882 3.517

10.125 9.383 8.770 8.169 7.472 6.797 6.162 5.510 4.870 4.306 3.832 3.457

5.000 5.125 5.250 5.375 5.500 5.625 5.750 5.875 6.000 6.125 6.250 6.375

7.942 7.538 7.045 6.603 6.143 5.786 5.459 5.031 4.591 4.300 4.053 3.966

7.992 7.588 7.095 6.653 6.193 5.836 5.509 5.081 4.641 4.340 4.093 4.016

8.042 7.638 7.145 6.703 6.243 5.876 5.549 5.121 4.691 4.390 4.143 4.066

7.000

3.155

3.375

3.325

6.500

4.018

4.068

4.118

30 Day Avg SOFR

5.32%

FHLMC (Standard): Conforming & High Balance ARM's - LP Only

MORRIS Plan 848 Rate

5/6m SOFR ARM Conf Margin 2.750 - Caps 2/1/5 15 Day 30 Day 45 Day

MORRIS Plan 849 Rate

7/6m SOFR ARM Conf Margin 2.750 - Caps 5/1/5 15 Day 30 Day 45 Day

MORRIS Plan 850 Rate

10/6m SOFR ARM Conf Margin 2.750 - Caps 5/1/5 15 Day 30 Day 45 Day

4.250 4.375

8.820 8.510

8.740 8.430

8.650 8.340

4.250 4.375

11.810 11.290

11.730 11.210

11.640 11.130

4.500 4.625

12.180 11.710

12.110 11.640

12.040 11.570

4.500 4.625

8.200 7.880

8.120 7.810

8.040 7.730

4.500 4.625

10.770 10.250

10.690 10.180

10.620 10.110

4.750 4.875

11.240 10.780

11.180 10.730

11.120 10.660

4.750 4.875 5.000

7.570 7.260 6.950

7.500 7.200 6.890

7.430 7.130 6.830

4.750 4.875 5.000

9.770 9.310 8.860

9.700 9.250 8.800

9.630 9.180 8.740

5.000 5.125 5.250

10.330 9.870 9.390

10.270 9.810 9.350

10.210 9.760 9.300

5.125 5.250

6.640 6.320

6.590 6.270

6.530 6.210

5.125 5.250

8.400 7.960

8.350 7.910

8.290 7.850

5.375 5.500

8.910 8.430

8.870 8.390

8.820 8.350

5.375 5.500

MORRIS Plan 865 Rate

5.990

5.940

5.890

5.660

5.610

5.570

5/6m SOFR ARM HB

Margin

2.750 - Caps 2/1/5

15 Day 30 Day 45 Day

5.375 5.500

MORRIS Plan 866 Rate

7.520

7.480

7.430

7.090

7.040

7.000

7/6m SOFR ARM HB

Margin

2.750 - Caps 5/1/5

15 Day 30 Day 45 Day

5.625 5.750

MORRIS Plan 867 Rate

7.950

7.910

7.870

7.500

7.470

7.440

10/6m SOFR ARM HB

Margin 2.750 - Caps 5/1/5

15 Day 30 Day 45 Day

4.250 4.375 4.500 4.625 4.750 4.875

9.820 9.510 9.200 8.880 8.570 8.260

9.740 9.430 9.120 8.810 8.500 8.200

9.650 9.340 9.040 8.730 8.430 8.130

4.250 4.375 4.500 4.625 4.750 4.875

12.810 12.290 11.770 11.250 10.770 10.310

12.730 12.210 11.690 11.180 10.700 10.250

12.640 12.130 11.620 11.110 10.630 10.180

4.500 4.625 4.750 4.875 5.000 5.125

13.680 13.210 12.740 12.280 11.830 11.370

13.610 13.140 12.680 12.230 11.770 11.310

13.540 13.070 12.620 12.160 11.710 11.260

5.000 5.125

7.950 7.640

7.890 7.590

7.830 7.530

5.000 5.125

9.860 9.400

9.800 9.350

9.740 9.290

5.250 5.375

10.890 10.410

10.850 10.370

10.800 10.320

5.250 5.375

7.320 6.990

7.270 6.940

7.210 6.890

5.250 5.375

8.960 8.520

8.910 8.480

8.850 8.430

5.500 5.625

9.930 9.450

9.890 9.410

9.850 9.370

5.500

6.660

6.610

6.570

5.500

8.090

8.040

8.000

5.750

9.000

8.970

8.940

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.

8

(FHLMC) Standard

 ................
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