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the PERFECT PAIRING

FAM

TCF



TCF Relationship Lending - Pricing & Product Guide

Effective Date: 03/23/18 Replaces Pricing Guide of: 01/01/18

HELOC RATES

Current Prime ? 4.75%

*PRIMARY RESIDENCES (OWNER OCCUPIED)

Property Type: SFR, PUD, Townhomes, Condo, 1-2 units Line Amounts: $5,000 to $350,000 with a maximum CLTV of 89.99%

>$350,000 to $500,000 with a maximum CLTV of 85%

Combined 1st & 2nd

$750,000 $750,000 $750,000 $1,500,000 $1,500,000 $1,500,000

10 YEAR DRAW/20 YEAR REPAY HELOC RATES

CLTV

Minimum FICO Purchases

Minimum FICO REFI

89.99%

700

700

80.00%

700

700

70.00%

700

700

89.99%

730

730

80.00%

730

730

70.00%

730

730

Prime+

(margin listed below)

1.99% 1.49% .99% 1.99% 1.49% .99%

**SECOND HOMES (OWNER OCCUPIED)

Property Type: SFR, PUD, Townhomes, Condo, 1-2 units Line Amounts: $5,000 to $250,000 with a maximum CLTV of 85%

$1,275,000

85.00%

730

730

$1,275,000

80.00%

730

730

$1,275,000

70.00%

730

730

1.99% 1.49% .99%

?2018 Finance of America Mortgage LLC is licensed nationwide |

| NMLS ID #1071 () | 300 Welsh Road, Building 5, Horsham, PA 19044 | (800) 355-

5626 | AZ Mortgage Banker License #0910184 | Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act | Georgia Residential Mortgage

Licensee #15499 | Illinois Residential Mortgage Licensee | Kansas Licensed Mortgage Company | Licensed by the N.J. Department of Banking and Insurance | Licensed Mortgage Banker

-- NYS Banking Department | Rhode Island Licensed Lender. Some products may not be available in all states. Credit and collateral subject to approval. THIS INFORMATION IS INTENDED

FOR MORTGAGE PROFESSIONALS ONLY AND IS NOT AN ADVERTISEMENT TO EXTEND CREDIT. ALL RATES AND PROGRAMS SUBJECT TO CHANGE WITHOUT NOTICE.

the PERFECT PAIRING

FAM

TCF



TCF Relationship Lending - Pricing & Product Guide

? Qualifying debt ratios: 38% front-end / 45% total. ? TCF uses appraisal from the 1st mortgage loan, provided it is less than 120 days old when

submitted, less than 150 days old at closing, and meets TCF underwriting requirements. ? TCF uses title commitment/work from the 1st mortgage loan. Junior title insurance policy

needed if the credit limit is greater than $250,000. ? A minimum of three credit bureau trades, with the oldest trade originated at least three years

prior to the credit bureau date. ? TCF will calculate a payment for underwriting purposes at the appropriate qualifying rate

amortized over a 30 year term, plus a payment shock of .0018 times the line amount. ? No foreclosure, deed-in-lieu of foreclosure, short sale or "real estate account paid for less

than full balance" within the last 5 years. ? No bankruptcy filing within the last 7 years. ? Approvals and pricing are good for 30 days. ? Floor rate of 51 bps below the initial rate or 4.99%, whichever is greater, unless the initial start

rate is less than 4.99%, then the floor rate will be equal to the initial start rate. ? $75.00 annual maintenance fee. ? Owner-occupied primary residence and second homes. ? Borrower pays TCF loan origination charge of $295 and third party settlement charges. ? Use the tri-merge mid-score from the primary wage earner.

?2018 Finance of America Mortgage LLC is licensed nationwide |

| NMLS ID #1071 () | 300 Welsh Road, Building 5, Horsham, PA 19044 | (800) 355-

5626 | AZ Mortgage Banker License #0910184 | Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act | Georgia Residential Mortgage

Licensee #15499 | Illinois Residential Mortgage Licensee | Kansas Licensed Mortgage Company | Licensed by the N.J. Department of Banking and Insurance | Licensed Mortgage Banker

-- NYS Banking Department | Rhode Island Licensed Lender. Some products may not be available in all states. Credit and collateral subject to approval. THIS INFORMATION IS INTENDED

FOR MORTGAGE PROFESSIONALS ONLY AND IS NOT AN ADVERTISEMENT TO EXTEND CREDIT. ALL RATES AND PROGRAMS SUBJECT TO CHANGE WITHOUT NOTICE.

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