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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