New York Wholesale Rate Sheet

[Pages:13]Effective Fri 02/11/2022 3:13 PM EST

New York Wholesale Rate Sheet

Improved pricing on loan amounts from $300,000 to the conforming limit! Purchase Special available on Conventional & Government! Government FICOs down to 580! Smart Series Non-QM & Jumbo Series are Back!

Please Note: Rate Sheets are provided for pricing purposes only and do not necessarily reflect product eligibility or availability. Please refer to the Product Guidelines located in the NewRez Lending Library in order to determine product eligibility and/or availability for a given loan scenario.

TABLE OF CONTENTS

Page 2 Page 3 Page 4 Page 5 Page 6 Page 7 Page 8 Page 9 Page 10 Page 11 Page 12 Page 13

FHA, VA, & USDA - Fixed, ARM, and Jumbo Fannie Mae - Fixed Conforming and High Balance Products Freddie Mac - Fixed Conforming and Super Conforming Products Fannie Mae - HomeReadyTM Fixed and ARM Products Fannie Mae - HomeReadyTM High Balance Fixed and ARM Products Freddie Mac - Home Possible Fixed and ARM Products Fannie Mae - ARM Conforming and High Balance Products Freddie Mac - ARM Conforming and Super Conforming Products Smart Series - Non-QM Products Dream Big Jumbo Jumbo Series D Jumbo Series I

MARKET MOVEMENTS

Rate

Today's Price Pricing Change

Conventional 30yr Fixed

0.000

#N/A

#N/A

#N/A

#N/A

#N/A

Conventional 15yr Fixed

0.000

#N/A

#N/A

#N/A

#N/A

#N/A

Conforming 5-6 SOFR ARM (2-1-5)

3.000

#VALUE!

2.875

#VALUE!

**Market movement is a result of 30-day current pricing

compared to the most recent rate sheet released.**

Bracketed Pricing Changes and green arrows indicate improved pricing.

Rate

Today's Price

Pricing Change

FHA 30yr Fixed

0.000

#N/A

#N/A

#N/A

#N/A

#N/A

VA 30yr Fixed

0.000

#N/A

#N/A

#N/A

#N/A

#N/A

LOCK POLICIES

Hours: Price release ? 6:59 AM EST on the following business day Pricing on-line: In order to lock prior to loan submission, 3.2 file must be uploaded via our website, In order to remain locked, a full file must be submitted within 10 days for a 30-day lock, 15 days for a 45-day lock, or 20 days for a 60-day lock or greater.

Lock Extension Info 1st-3rd Extension - 2 bps/day 4th Extension or more - 4 bps/day

Extended loans cannot expire on a weekend or holiday.

Max number of days to extend is 45 days per request.

Expiration Dates 7 Day Extension 15 Day Lock/Extension 30 Day Lock/Extension 45 Day Lock/Extension 60 Day Lock 90 Day Lock

2/18/2022 2/28/2022 3/14/2022 3/28/2022 4/12/2022 5/12/2022

Relock Policy

Pricing is based on worst case pricing: current market vs locked less a relock fee.

15 Day Cost < 3 Prior Ext

0.300

3 Prior Ext.

0.600

30 Day Cost < 3 Prior Ext

0.600

3 Prior Ext.

1.200

45 Day Cost < 3 Prior Ext

0.900

3 Prior Ext.

1.800

If the market has improved by more than 50 bps and the loan is closing within 15 days,

the relock fee will be waived on 15 day relocks only. (Other restrictions may apply.)

GENERAL INFORMATION

Fee Info Lender Fees - Conforming, Government & Jumbo Lender Fees - Smart Series Lender Fees - FHA Streamline & VA IRRRL

$995 $1,295

$495

Desk Review - LA $1MM-$1.5MM Desk Review - Transferred Appraisal Risk Report - Transferred Appraisal Flood Fee (excluded from No Lender Fee Calculation) Tax Service Fee (excluded from No Lender Fee Calculation)

**Lender fees must be included in block one of the initial LE. No Lender Fee options are available through the pricing engine online.

$200 $200

$25 $6

$80

1 Unit 2 Unit 3 Unit 4 Unit

Agency Loan Limits

Mortgagee Clause (Wholesale) NewRez LLC ISAOA ATIMA PO Box 7050 TROY, MI 48007-7050

$647,200 $828,700 $1,001,650 $1,244,850

CORPORATE CONTACTS

NewRez

(888) 988-1695

GoNewRez@

Fax

(484) 594-1998

Website



Lock Desk

LockRequest@

* Rates are subject to change without notice

**Additional products, not on the rate sheet, are available through the portal. Contact your Relationship Manager for more details.

Page 1

New York Wholesale Rate Sheet

as of 2/11/2022 3:13 PM

Government Products

4.500 4.375 4.250 4.125 4.000 3.875 3.750 3.625 3.500 3.375 3.250 3.125 3.000 2.990 2.875 2.750 2.625 2.500 2.375 2.250 2.125 2.000 1.990 1.875 1.750

FHA 30 Yr Fixed

15 Day

30 Day

45 Day

60 Day

3.750 3.625 3.500 3.375 3.250 3.125 3.000 2.875 2.750 2.625 2.500 2.375 2.250 2.125 2.000 1.875 1.750

FHA 15 Yr Fixed

15 Day

30 Day

45 Day

60 Day

3.500 3.375 3.250 3.125 3.000 2.990 2.875 2.750 2.625 2.500 2.375 2.250 2.125 2.000 1.990 1.875 1.750

VA High Balance 30 Yr Fixed

15 Day

30 Day

45 Day

60 Day

FHA 5-1 ARM High Balance (1-1-5 Caps)

4.125 4.000 3.875 3.750 3.625 3.500 3.375 3.250 3.125 3.000 2.875 2.750

15 Day

30 Day

45 Day

60 Day

4.500 4.375 4.250 4.125 4.000 3.875 3.750 3.625 3.500 3.375 3.250 3.125 3.000 2.990 2.875 2.750 2.625 2.500 2.375 2.250 2.125 2.000 1.990 1.875 1.750

3.750 3.625 3.500 3.375 3.250 3.125 3.000 2.875 2.750 2.625 2.500 2.375 2.250 2.125 2.000 1.875 1.750

4.125 4.000 3.875 3.750 3.625 3.500 3.375 3.250 3.125 3.000 2.875 2.750

VA 30 Yr Fixed

15 Day

30 Day

45 Day

60 Day

VA 15 Yr Fixed

15 Day

30 Day

45 Day

60 Day

FHA 5-1 ARM (1-1-5 Caps)

15 Day

30 Day

45 Day

60 Day

4.500 4.375 4.250 4.125 4.000 3.875 3.750 3.625 3.500 3.375 3.250 3.125 3.000 2.990 2.875 2.750 2.625 2.500 2.375 2.250 2.125 2.000 1.990 1.875 1.750

USDA 30 Yr Fixed

15 Day

30 Day

45 Day

60 Day

3.500 3.375 3.250 3.125 3.000 2.990 2.875 2.750 2.625 2.500 2.375 2.250 2.125 2.000 1.990 1.875 1.750

FHA High Balance 30 Yr Fixed

15 Day

30 Day

45 Day

60 Day

4.125 4.000 3.875 3.750 3.625 3.500 3.375 3.250 3.125 3.000 2.875 2.750

VA 5-1 ARM (1-1-5 Caps)

15 Day

30 Day

45 Day

60 Day

VA 5-1 ARM High Balance (1-1-5 Caps)

4.125 4.000 3.875 3.750 3.625 3.500 3.375 3.250 3.125 3.000 2.875 2.750

15 Day

30 Day

45 Day

60 Day

Loan Level Price Adjustments

Loan Amount 15yr Term) Escrow Waiver (Full or Taxes Only)

Misc Adjusters

Escrow Waiver (Insurance Only) Manufactured Home (High Bal Excluded)

90 Day Lock (FRM Only)

Co-Op Special

NA NA NA NA

> 85 1.000 2.000 720 0.375 0.625 0.875 1.125 2.125 3.375 4.125 1.125 1.625 2.125 3.375 4.125 C/O Refi. 1.250 1.500 1.750 0.750 0.000 0.000 1.000

N/A (0.250)

No Lender Fee options are available through the pricing engine online.

*Escrow Waiver penalty does not apply in NY. Max YSP

-6.000

1.920 5.140 6.790 8.760

Loan Amount 20 Yr Term

85 85.01 - 90 90.01 - 95 95.01 - 97

LTV

CLTV

< 720

65

80.01 - 95

0.500

65.01-75

80.01 - 95

0.750

75.01-95

90.01 - 95

1.000

75.01-90

76.01 - 90

1.000

95

95.01 - 97

1.500

ALL

ALL

0.375

2-4 Units

Attached Condo > 75 LTV (>15yr Term)

Manufactured Home

Adjustments Applied after Cap Escrow Waiver (Full or Taxes Only)

Manufactured Home

60 Day 60 Day 60 Day

5.000 4.990 4.875 4.750 4.625 4.500 4.375 4.250 4.125 4.000 3.990 3.875 3.750 3.625 3.500 3.375 3.250 3.125 3.000 2.990 2.875 2.750 2.625 2.500 2.375 2.250

4.375 4.250 4.125 4.000 3.990 3.875 3.750 3.625 3.500 3.375 3.250 3.125 3.000 2.990 2.875 2.750 2.625 2.500 2.375 2.250 2.125 2.000 1.990 1.875 1.750

3.375 3.250 3.125 3.000 2.990 2.875 2.750 2.625 2.500 2.375 2.250

60 60.01 - 70 70.01 - 75 75.01 - 80 80.01 - 85 85.01 - 90 90.01 - 95 95.01 - 97

60 60.01 - 75 75.01 - 80

< 620 NA NA NA NA NA NA

NA NA NA NA

NA NA NA NA

720 0.250 0.500 0.750 0.750 1.500 0.375 1.000 0.750 0.500

0.000 0.500

620 - 639 1.000 1.300 0.490 1.250 1.530 1.820

0.780 2.430 5.470 6.320

1.920 5.140 5.810 6.660

Loan Amount 80%

Adjustment Caps

1.500

< 680

> 80%

1.500

All

80%

*Some adjustment details may not appear when pricing through the portal, however the final price will match the rate sheet.

*Escrow Waiver penalty does not apply in NY.

No Lender Fee options are available through the pricing engine online.

Max YSP

-6.000

45

85.01 - 90 90.01 - 95

95.01 - 97

< 620 NA NA NA NA NA NA

620 - 639 1.000 1.300 0.490 1.250 1.530 1.820

640 - 659 0.950 1.300 0.440 1.010 1.270 1.600

660 - 679 0.950 1.300 0.420 0.890 1.120 1.420

680 - 699 0.650 1.000 0.380 0.750 1.000 1.240

700 - 719 0.400 1.000 0.300 0.620 0.720 1.060

720 - 739 0.300 0.700 0.220 0.500 0.570 0.760

740 - 759 0.200 0.500 0.170 0.390 0.440 0.620

760-779 0.120 0.500 0.110 0.280 0.350 0.380

780-799 0.110 0.500 0.110 0.280 0.350 0.380

Lender Paid MI

85

NA

Adj.

LTV Adjusters 20 Yr Term

85.01 - 90

NA

90.01 - 95

NA

95.01 - 97

NA

0.780 2.430 5.470 6.320

0.680 2.210 4.930 5.690

0.640 2.020 4.490 5.150

0.520 1.540 3.420 3.860

0.480 1.270 2.710 3.060

0.480 1.140 2.350 2.650

0.480 0.910 1.860 2.080

0.480 0.690 1.270 1.410

0.480 0.620 1.120 1.410

85

NA

> 20 Yr Term

85.01 - 90

NA

90.01 - 95

NA

95.01 - 97

NA

1.920 5.140 5.810 6.660

1.790 4.700 5.270 6.040

1.610 4.420 4.830 5.490

1.210 3.210 3.660 4.110

1.020 2.640 2.950 3.300

0.890 2.190 2.510 2.810

0.760 1.790 2.010 2.230

0.620 1.250 1.430 1.570

0.620 1.110 1.210 1.490

Subordinate Financing Excludes Community Seconds?

LTV 65 65.01-75 75.01-95 75.01-90 95 ALL Products

High Balance Adjustments

ALL

ARMs (in addition to HB Adjustments listed

above)

CLTV

80.01 - 95 80.01 - 95 90.01 - 95 76.01 - 90 95.01 - 97

ALL

LTV 75 90

< 720

720

0.500

0.250

0.750

0.500

1.000

0.750

1.000

0.750

1.500

1.500

0.375

0.375

Purch & R/T Refi

0.500

0.750 1.000

0.750

1.500 1.750

Loan Amount High Balance

620-639 -0.500

High Balance

620-639 -0.250

640-659 -0.500

640-659 -0.250

Purchase FICO/Loan Size Adjustments - Applied After Cap

660-679

680-699

700-719

720-739

-0.500

-0.650

-0.650

-0.900

Refinance FICO/Loan Size Adjustments - Applied After Cap

660-679

680-699

700-719

720-739

-0.250

-0.400

-0.400

-0.650

740-759 -0.900

740-759 -0.650

760-779 -0.900

760-779 -0.650

60 Day

60 Day

760 0.000 0.250 0.250 0.500 0.250 0.250 0.250 0.750

NA NA NA 800 0.100 0.500 0.110 0.280 0.350 0.380 0.480 0.620 1.080 1.410 0.620 1.060 1.120 1.450 780+ -1.000 780+ -0.750

Misc Adjusters

2-4 Units Attached Condo > 75 LTV (>15yr Term)

Manufactured Home

1.000 0.750 0.500

Adjustments Applied after Cap Escrow Waiver (Full or Taxes Only)

Manufactured Home

Adjustment Caps

0.000 1.500 1.500

FICO 680 < 680

All

0.000 0.500

LTV > 80% > 80% 80%

*Some adjustment details may not appear when pricing through the portal, however the final price will match the rate sheet. *Escrow Waiver penalty does not apply in NY.

No Lender Fee options are available through the pricing engine online.

Max YSP

-6.000

New York Wholesale Rate Sheet

as of 2/11/2022 3:13 PM

5.000 4.990 4.875 4.750 4.625 4.500 4.375 4.250 4.125 4.000 3.990 3.875 3.750 3.625 3.500 3.375 3.250 3.125 3.000 2.990 2.875 2.750 2.625 2.500 2.375 2.250

4.375 4.250 4.125 4.000 3.990 3.875 3.750 3.625 3.500 3.375 3.250 3.125 3.000 2.990 2.875 2.750 2.625 2.500 2.375 2.250 2.125 2.000 1.990 1.875 1.750

3.250 3.125 3.000 2.990 2.875 2.750 2.625 2.500 2.375 2.250 2.125

FHLMC Home Possible? 30 Yr Fixed

15 Day

30 Day

45 Day

FHLMC Home Possible? 15 Yr Fixed

15 Day

30 Day

45 Day

FHLMC Home Possible? 5/6 SOFR ARM (2/1/5)

15 Day

30 Day

45 Day

All Conforming (does not apply to Fixed terms

LTV

15yrs)

Premium Adjusters

Lender Paid MI Adj.

LTV Adjusters

Rate & Term Refi

Manufactured Home

3 - 4 Unit

85

DTI > 45

85.01 - 90 90.01 - 95

95.01 - 97

20 Yr Term

85 85.01 - 90 90.01 - 95 95.01 - 97

60 Day 60 Day 60 Day

5.000 4.990 4.875 4.750 4.625 4.500 4.375 4.250 4.125 4.000 3.990 3.875 3.750 3.625 3.500 3.375 3.250 3.125 3.000 2.990 2.875 2.750 2.625 2.500 2.375 2.250

4.375 4.250 4.125 4.000 3.990 3.875 3.750 3.625 3.500 3.375 3.250 3.125 3.000 2.990 2.875 2.750 2.625 2.500 2.375 2.250 2.125 2.000 1.990 1.875 1.750

3.375 3.250 3.125 3.000 2.990 2.875 2.750 2.625 2.500 2.375 2.250

60 60.01 - 70 70.01 - 75 75.01 - 80 80.01 - 85 85.01 - 90 90.01 - 95 95.01 - 97*

< 620 NA NA NA NA NA NA NA

NA NA NA NA

620 - 639 1.000 1.300 2.630 0.490 1.250 1.530 1.820

0.780 2.430 5.470 6.320

FHLMC Home Possible? Products

FHLMC Home Possible? 25 Yr Fixed

15 Day

30 Day

45 Day

FHLMC Home Possible? 10 Yr Fixed

15 Day

30 Day

45 Day

FHLMC Home Possible? 7/6 SOFR ARM (5/1/5)

15 Day

30 Day

45 Day

Loan Level Price Adjustments

< 620 NA NA NA NA NA NA NA NA

620 - 639 0.500 1.500 3.000 3.000 3.250 3.250 3.250 3.500

640 - 659 0.500 1.250 2.750 3.000 3.250 2.750 2.750 2.750

LPMI Adjustments Applied after Cap

640 - 659 0.950 1.300 2.630 0.440 1.010 1.270 1.600

660 - 679 0.950 1.300 2.630 0.420 0.890 1.120 1.420

680 - 699 0.650 1.000 1.750 0.380 0.750 1.000 1.240

0.680 2.210 4.930 5.690

0.640 2.020 4.490 5.150

0.520 1.540 3.420 3.860

60 Day

60 Day

60 Day

660 - 679 0.000 1.000 2.250 2.750 2.750 2.250 2.250 2.250

700 - 719 0.400 1.000 1.750 0.300 0.620 0.720 1.060 0.480 1.270 2.710 3.060

4.990 4.875 4.750 4.625 4.500 4.375 4.250 4.125 4.000 3.990 3.875 3.750 3.625 3.500 3.375 3.250 3.125 3.000 2.990 2.875 2.750 2.625 2.500 2.375 2.250

FHLMC Home Possible? 20 Yr Fixed

15 Day

30 Day

45 Day

60 Day

3.500 3.375 3.250 3.125 3.000 2.990 2.875 2.750 2.625 2.500 2.375

680 - 699 0.000 0.500 1.250 1.750 1.500 1.250 1.250 1.500

720 - 739 0.300 0.700 1.330 0.220 0.500 0.570 0.760

0.480 1.140 2.350 2.650

FHLMC Home Possible? 10/6 SOFR ARM (5/1/5)

15 Day

30 Day

45 Day

700 - 719 0.000 0.500 1.000 1.250 1.000 1.000 1.000 1.500

740 - 759 0.200 0.500 1.190 0.170 0.390 0.440 0.620

0.480 0.910 1.860 2.080

720 - 739 0.000 0.250 0.500 0.750 0.500 0.500 0.500 1.000

760-779 0.120 0.500 1.190 0.110 0.280 0.350 0.380

0.480 0.690 1.270 1.410

740 - 759 0.000 0.250 0.250 0.500 0.250 0.250 0.250 0.750

780-799 0.110 0.500 1.190 0.110 0.280 0.350 0.380

0.480 0.620 1.120 1.410

60 Day

760 0.000 0.250 0.250 0.500 0.250 0.250 0.250 0.750

800 0.100 0.500 1.190 0.110 0.280 0.350 0.380 0.480 0.620 1.080 1.410

Number Of Units

Subordinate Financing Excludes Community Seconds?

Misc Adjusters

> 20 Yr Term

85 85.01 - 90 90.01 - 95 95.01 - 97

LTV

80

80.01 - 85

2 Units

1.000

1.000

3-4 units

1.000

1.500

LTV

CLTV

< 720

75

80

0.500

65

80.01 - 95

0.500

65.01-75

80.01 - 95

0.500

75.01-95

76.01-95

0.500

Attached Condo > 75 LTV (>15yr Term)

Manufacured Home

Adjustments Applied after Cap Escrow Waiver (Full or Taxes Only)

Manufactured Home

NA NA NA NA

> 85 1.000 2.000 720 0.500 0.500 0.500 0.500 0.750 0.500

0.000 0.500

1.920 5.140 5.810 6.660

Loan Amount 80%

Adjustment Caps

1.500

< 680

> 80%

1.500

All

80%

*Some adjustment details may not appear when pricing through the portal, however the final price will match the rate sheet.

No Lender Fee options are available through the pricing engine online.

Max YSP

-6.000

45

85.01 - 90 90.01 - 95

95.01 - 97

> 20 Yr Term

85 85.01 - 90 90.01 - 95 95.01 - 97

Subordinate Financing

Excludes Community Seconds?

Non Owner Occupied

LTV 75 LTV

Misc Adjusters

Escrow Waiver (Full or Taxes Only)

Escrow Waiver (Insurance Only)

>90 LTV

Co-Op Special

*Escrow Waiver penalty does not apply in NY. No Lender Fee options are available through the pricing engine online.

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