Rate Movement Lock Desk Contact Info Yesterday Today ...
9/5/24 12:39 PM
*Locking available online until 9:00 PM PST for Agency Programs
*Locking available online until 3:00 PM PST for NonQM
*Locking available online until 2:00 PM PST for the DPA AXIS Program
Lock desk is available to assist from 7:30AM to 6:00PM PST
Locks@
2475 Village View Drive, Suite 100 | Henderson, NV 89074
FHA Sponsor ID: 2531000004
VA Sponsor ID: 902580-00-00
Rate Movement
CONVENTIONAL PAR RATE
30 YR
5.750
15 YR
4.990
GOVERNMENT PAR RATE
FHA 30 YR
5.125
VA 30 YR
5.375
Lock Desk Contact Info
Yesterday
Today
(0.239)
(0.322)
(0.135)
(0.061)
(0.104)
(0.262)
0.181
(0.102)
0.040
(0.212)
0.141
0.109
Lock online via:
Email:
Phone:
Change
949-386-5611
Lock desk is available to assist from 7:30AM to 6:00PM PST
30 YR APOR
Lender Fees and Fee Buyout
Lock Terms
21 Day Lock Expiration*
9/26/2024
30 Day Lock Expiration
10/5/2024
45 Day Lock Expiration
10/20/2024
60 Day Lock Expiration
11/4/2024
* 21 Day Locks must be in "Approved" status or further
Locks will advance forward if the expiration date is a weekend or holiday.
All Lender fees are located:
Lender Fee Sheet
Nations Direct fees may be included in Final Price
*No Fee Option (Use Fee Buyout Calculator to convert to BPs)
Zone 1 Fee Buyouts capped at 1.5
Zone 2 Fee Buyouts capped at 1.2
State Adjustments
LA, SC, CA, IN, OH, OK, MN, MT, NC, TN, WI
AL, AZ, CO, DC, ID, MI, NV, UT, CT, GA, NM, FL, KY
OR, TX, WA, MA, IL, MD, NJ, PA, VA, RI, NH, ME, VT, DE
Locks@
Extensions & Relocks
Group 1
Group 2
Group 3
1st & 2nd Lock Extension
All Additional Extensions
0.015 /day
0.025 /day
Max lock extension request 30 days / 60 days total
Relocks are worse case plus the applicable extension fee above.
* See lock policy for more detail
Table of Contents
FHA Fixed Programs and Price Adjustments
VA Fixed Programs and Price Adjustments
VA Fixed Cash Out Programs and Price Adjustments
FHA Streamline/VA IRRRL Programs and Price Adjustments
FNMA Conventional Programs
FHLMC Conventional Programs
FNMA / FHLMC Price Adjustments
FNMA / FHLMC Mortgage Insurance Price Adjustments
FNMA/FHLMC Affordable Programs
FHA DPA AXIS
NonQM Bank Statement 110
NonQM Express DSCR 110
NonQM Full Doc 110
NonQM 1099 110
NonQM P&L 110
NonQM Bank Statement 120
NonQM Express DSCR 120
NonQM Full Doc 120
NonQM 1099 120
NonQM P&L 120
NonQM Bank Statement 130
NonQM Express DSCR 130
NonQM Full Doc 130
NonQM 1099 130
NonQM P&L 130
NonQM Premier Full Doc 140
NonQM Bank Statement Second 120
NonQM Full Doc Second 120
NONQM Premier Second Full Doc 110
NONQM Premier Second Full Doc 150
Max Net Prices
GOVERNMENT MAX PRICES
FHA/ VA Fixed 30 Year
FHA/ VA Fixed 15 Year
Page 2
Page 3
Page 4
Page 5
Page 6
Page 7
Page 8
Page 9
Page 10
Page 11
Page 12
Page 13
Page 14
Page 15
Page 16
Page 17
Page 18
Page 19
Page 20
Page 21
Page 22
Page 23
Page 24
Page 25
Page 26
Page 27
Page 28
Page 29
Page 30
Page 31
VA IRRRL MIN NET PRICE
CONVENTIONAL MAX PRICES
Standard Bal Fixed
High Bal Fixed
(5.500)
(5.000)
2.000
(4.500)
(3.500)
Please see Pages 8-12 for Investor Specific Max Price
MAX NET PRICE PRIOR TO BROKER COMP
Approved Prepayment Penalty States
Refer to Matrix for List of Approved Prepayment Penalty States.
Visit us on the web @ | Call Us Today @ (949) 270-7900 | For Mortgage Professionals only. Distribution to the general public is prohibited. Rates, terms and programs are subject to change without notice. Additional terms and
conditions may apply. This is not an advertisement as defined in Regulation Z, section 226.2.
Nations Direct Mortgage is not part of, or associated with, HUD/FHA or the Federal Government.
Confidential
9/5/2024
Page 1
9/5/24 12:39 PM
*Locking available online until 9:00 PM PST for Agency Programs
*Locking available online until 3:00 PM PST for NonQM
*Locking available online until 2:00 PM PST for the DPA AXIS Program
Lock desk is available to assist from 7:30AM to 6:00PM PST
Locks@
2475 Village View Drive, Suite 100 | Henderson, NV 89074
FHA Sponsor ID: 2531000004
VA Sponsor ID: 902580-00-00
FHA FIXED FICO 640+
30/25/20 Year Fixed FHA FICO 640+
Rate
7.250
7.125
7.000
6.990
6.875
6.750
6.625
6.500
6.375
6.250
6.125
6.000
5.990
5.875
5.750
5.625
5.500
5.375
5.250
5.125
5.000
4.990
4.875
4.750
21 Day
(3.234)
(3.139)
(2.707)
(2.677)
(2.275)
(2.814)
(2.481)
(2.098)
(1.667)
(2.519)
(2.212)
(1.700)
(1.670)
(1.344)
(1.967)
(1.470)
(0.978)
(0.524)
(0.822)
(0.085)
0.466
0.466
1.043
1.464
30 Day
(3.109)
(3.014)
(2.582)
(2.552)
(2.150)
(2.689)
(2.356)
(1.973)
(1.542)
(2.394)
(2.087)
(1.575)
(1.545)
(1.219)
(1.842)
(1.345)
(0.853)
(0.399)
(0.697)
0.040
0.591
0.591
1.168
1.589
45 Day
(3.031)
(2.936)
(2.503)
(2.473)
(2.072)
(2.767)
(2.434)
(2.051)
(1.621)
(2.487)
(2.181)
(1.669)
(1.639)
(1.313)
(1.858)
(1.361)
(0.868)
(0.415)
(0.682)
0.056
0.606
0.606
1.184
1.511
30/25/20 Year Fixed FHA FICO 640+ HB
60 Day
(2.906)
(2.811)
(2.378)
(2.348)
(1.947)
(2.642)
(2.309)
(1.926)
(1.496)
(2.362)
(2.056)
(1.544)
(1.514)
(1.188)
(1.733)
(1.236)
(0.743)
(0.290)
(0.557)
0.181
0.731
0.731
1.309
1.636
Rate
7.250
7.125
7.000
6.990
6.875
6.750
6.625
6.500
6.375
6.250
6.125
6.000
5.990
5.875
5.750
5.625
5.500
5.375
5.250
5.125
5.000
4.990
4.875
4.750
21 Day
(2.091)
(1.940)
(1.774)
(1.744)
(1.485)
(0.019)
(1.722)
(1.456)
(1.098)
(2.418)
(2.095)
(1.781)
(1.751)
(1.281)
(1.273)
(0.619)
(0.122)
0.375
1.531
1.603
2.129
2.129
2.714
3.530
30 Day
(1.966)
(1.815)
(1.649)
(1.619)
(1.360)
0.106
(1.597)
(1.331)
(0.973)
(2.293)
(1.970)
(1.656)
(1.626)
(1.156)
(1.148)
(0.494)
0.003
0.500
1.656
1.728
2.254
2.254
2.839
3.655
45 Day
(1.888)
(1.737)
(1.571)
(1.541)
(1.282)
0.028
(1.675)
(1.409)
(1.051)
(2.387)
(2.064)
(1.749)
(1.719)
(1.250)
(1.164)
(0.509)
(0.013)
0.484
1.672
1.744
2.270
2.270
2.854
3.577
Price Adjustments
60 Day
(1.763)
(1.612)
(1.446)
(1.416)
(1.157)
0.153
(1.550)
(1.284)
(0.926)
(2.262)
(1.939)
(1.624)
(1.594)
(1.125)
(1.039)
(0.384)
0.112
0.609
1.797
1.869
2.395
2.395
2.979
3.702
Credit Score
720+
680-719
660-679
640-659
Man. Home Pur, R/T
Man. Home Cashout
3-4 units
2 Units (NJ Only)
Manual Underwrite
No FICO Co-Borrower
1.250
1.750
0.250
0.250
0.000
0.500
DTI > 50%
DTI > 55%
0.000
0.250
State Adjustments
Group 1
Group 2
Group 3
Rate
6.750
6.625
6.500
6.375
6.250
6.125
6.000
5.990
5.875
5.750
5.625
5.500
5.375
5.250
5.125
5.000
4.990
4.875
4.750
21 Day
(1.650)
(1.843)
(1.615)
(1.190)
(2.418)
(2.229)
(1.865)
(1.835)
(1.446)
(2.002)
(1.691)
(1.253)
(0.808)
(1.277)
(0.889)
(0.451)
(0.451)
(0.010)
0.360
30 Day
(1.525)
(1.718)
(1.490)
(1.065)
(2.293)
(2.104)
(1.740)
(1.710)
(1.321)
(1.877)
(1.566)
(1.128)
(0.683)
(1.152)
(0.764)
(0.326)
(0.326)
0.115
0.485
45 Day
(1.478)
(1.672)
(1.443)
(1.019)
(2.277)
(2.089)
(1.725)
(1.695)
(1.305)
(1.877)
(1.566)
(1.128)
(0.683)
(1.167)
(0.779)
(0.342)
(0.342)
0.099
0.469
15 Year Fixed FHA FICO 640+ HB
60 Day
(1.353)
(1.547)
(1.318)
(0.894)
(2.152)
(1.964)
(1.600)
(1.570)
(1.180)
(1.752)
(1.441)
(1.003)
(0.558)
(1.042)
(0.654)
(0.217)
(0.217)
0.224
0.594
FHA30=>640
FHA15=>640
Rate
6.750
6.625
6.500
6.375
6.250
6.125
6.000
5.990
5.875
5.750
5.625
5.500
5.375
5.250
21 Day
(1.198)
(0.363)
0.070
0.496
0.222
0.043
0.333
0.363
0.751
0.660
0.677
1.122
1.573
1.465
30 Day
(1.073)
(0.238)
0.195
0.621
0.347
0.168
0.458
0.488
0.876
0.785
0.802
1.247
1.698
1.590
45 Day
(1.026)
(0.191)
0.241
0.668
0.363
0.183
0.473
0.503
0.892
0.785
0.802
1.247
1.698
1.574
60 Day
(0.901)
(0.066)
0.366
0.793
0.488
0.308
0.598
0.628
1.017
0.910
0.927
1.372
1.823
1.699
(0.150)
(0.200)
(0.250)
Loan Amount (No High Bal)
640
FHA FIXED FICO < 640
30/25/20 Year Fixed FHA FICO 55%
0.250
0.500
State Adjustments
Group 1
Group 2
Group 3
Rate
6.750
6.625
6.500
6.375
6.250
6.125
6.000
5.990
5.875
5.750
5.625
5.500
5.375
5.250
5.125
5.000
4.990
4.875
4.750
FHA30= ................
................
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