Rate Movement Lock Desk Contact Info Yesterday Today ...
[Pages:8]5 Hutton Centre Drive, Suite 200 | Santa Ana, CA 92707
FHA Sponsor ID: 2531000004
VA Sponsor ID: 902580-00-00
11/18/22 6:22 AM *Locking available online until 6:00 PM PST for Agency Programs
Lock desk is available to assist from 7:30AM to 6:00PM PST Locks@
CONVENTIONAL PAR RATE
30 YR
6.500
15 YR
6.000
GOVERNMENT PAR RATE
30 YR
6.125
Rate Movement
Yesterday Today
Change
(2.172) (1.821)
(2.129) (1.554)
(0.043) (0.266)
(1.897)
(1.801)
(0.096)
Lender Fees and Fee Buyout
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 GA, KY, LA, SC CA, IN, NV, OH, OK, FL MN, MT, NC, TN, WI AL, AZ, CO, DC, ID, MI, UT, CT OR, TX, WA, MA, IL, MD, NJ, PA, VA
Group 1 Group 2 Group 3 Group 4 Group 5
Table of Contents FHA Fixed Programs and Price Adjustments VA Fixed Programs and Price Adjustments FHA Streamline/VA IRRRL Programs and Price Adjustments FNMA Conventional Programs FHLMC Conventional Programs FNMA / FHLMC Price Adjustments FNMA/FHLMC Affordable Programs
Page 2 Page 3 Page 4
Page 5 Page 6
Page 7 Page 8
Lock online via: Email: Phone:
Lock Desk Contact Info Locks@ 949-386-5611
Lock desk is available to assist from 7:30AM to 6:00PM PST 30 YR APOR
Lock Terms
21 Day Lock Expiration*
12/9/2022
30 Day Lock Expiration
12/18/2022
45 Day Lock Expiration
1/2/2023
60 Day Lock Expiration
1/17/2023
* 21 Day Locks must be in "Approved" status or further
Locks will advance forward if the expiration date is a weekend or holiday.
Extensions & Relocks 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
Max Net Prices GOVERNMENT MAX PRICES FHA/ VA Fixed 30 Year FHA/ VA Fixed 15 Year FHA/VA ARM
(5.500) (5.000) (2.500)
VA IRRRL MIN NET PRICE
2.000
CONVENTIONAL MAX PRICES Standard Bal Fixed
High Bal Fixed All ARMs
(4.500) (3.500) (2.500)
Please see Pages 8-12 for Investor Specific Max Price MAX NET PRICE PRIOR TO BROKER COMP
Approved Prepayment Penalty States
AL, AZ, CA, CO, CT, DC, ID, FL, GA, HI, IL, IN, KY, LA, MA, ME, MI, MT, NC, NM, NV, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, OH, MN, WI, WV, WY..
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
11/18/2022
Page 1
5 Hutton Centre Drive, Suite 200 | Santa Ana, CA 92707
FHA Sponsor ID: 2531000004
VA Sponsor ID: 902580-00-00
FHA FIXED FICO 640+
11/18/22 6:22 AM *Locking available online until 6:00 PM PST for Agency Programs
Lock desk is available to assist from 7:30AM to 6:00PM PST Locks@
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
Rate 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 FHA30=>640 FHA15=>640
30/25/20 Year Fixed
Standard Balance
21 Day
30 Day
(3.199)
(2.724)
(2.887)
(2.412)
(2.653)
(2.178)
(2.621)
(2.146)
(2.299)
(1.824)
(3.018)
(2.715)
(2.687)
(2.384)
(2.481)
(2.178)
(2.006)
(1.703)
(2.436)
(2.164)
(2.073)
(1.801)
(1.744)
(1.472)
(1.705)
(1.433)
(1.099)
(0.828)
(1.504)
(1.342)
(1.012)
(0.849)
(0.501)
(0.338)
0.029
0.191
0.470
0.602
1.028
1.159
1.610
1.741
1.656
1.788
45 Day (2.624) (2.312) (2.078) (2.046) (1.724) (2.615) (2.284) (2.078) (1.603) (2.064) (1.701) (1.372) (1.333) (0.728) (1.242) (0.749) (0.238) 0.291 0.702 1.259 1.841 1.888
15 Year Fixed
Standard Balance
21 Day
30 Day
(2.405)
(2.205)
(2.098)
(1.910)
(1.701)
(1.513)
(1.669)
(1.481)
(1.302)
(1.115)
(1.574)
(1.527)
(1.176)
(1.129)
(0.776)
(0.729)
(0.373)
(0.326)
(0.242)
(0.398)
0.162
0.006
0.566
0.410
0.599
0.442
0.970
0.814
45 Day (2.105) (1.810) (1.413) (1.381)
(1.015) (1.427) (1.029) (0.629) (0.226) (0.298) 0.106 0.510 0.542 0.914
60 Day (1.899) (1.587) (1.353) (1.321) (0.999) (1.827) (1.496) (1.291) (0.816) (1.354) (0.991) (0.663) (0.624) (0.018) (0.595) (0.102) 0.409 0.938 0.911 1.469 2.051 2.097
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
60 Day (1.768) (1.429) (1.032) (1.000)
(0.634) (1.124) (0.726) (0.326) 0.077 (0.229) 0.175 0.579 0.611 0.983
Rate 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 FHA30HB=>640 FHA15HB=>640
30/25/20 Year Fixed
High Balance
21 Day
30 Day
(1.538)
(1.063)
(1.355)
(0.880)
(1.123)
(0.648)
(1.092)
(0.617)
(0.773)
(0.298)
(2.295)
(1.992)
(2.117)
(1.814)
(1.840)
(1.537)
(1.443)
(1.140)
(1.876)
(1.604)
(1.516)
(1.244)
(1.190)
(0.918)
(1.151)
(0.879)
(0.548)
(0.276)
(0.081)
0.081
0.408
0.571
0.916
1.078
1.442
1.604
1.604
1.735
45 Day (0.963) (0.780) (0.548) (0.517) (0.198) (1.892) (1.714) (1.437) (1.040) (1.504) (1.144) (0.818) (0.779) (0.176) 0.181 0.671 1.178 1.704 1.835
60 Day (0.238) (0.055) 0.177 0.208 0.527 (1.104) (0.927) (0.649) (0.252) (0.795) (0.434) (0.109) (0.070) 0.533 0.828 1.318 1.825 2.351 2.044
15 Year Fixed
High Balance
21 Day
30 Day
(1.794)
(1.594)
(1.386)
(1.199)
(0.990)
(0.803)
(0.958)
(0.771)
(0.592)
(0.405)
(0.865)
(0.818)
(0.467)
(0.420)
(0.067)
(0.020)
0.335
0.382
0.466
0.310
0.870
0.714
1.274
1.118
1.306
1.150
1.678
1.521
45 Day (1.494) (1.099) (0.703) (0.671)
(0.305) (0.718) (0.320) 0.080 0.482 0.410 0.814 1.218 1.250 1.621
60 Day (1.156) (0.718) (0.321) (0.290)
0.076 (0.415) (0.017) 0.383 0.785 0.479 0.883 1.287 1.319 1.690
FHA FIXED FICO < 640
Price Adjustments 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
(0.375) (0.250) 0.000 0.500
1.250 1.750 0.750 0.250 0.000
DTI > 50% DTI > 55%
0.000 0.250
State Adjustments
Group 1
0.000
Group 2
(0.050)
Group 3
(0.150)
Group 4
(0.200)
Group 5
(0.250)
Loan Amount (No High Bal)
90% LTV 740+ 720-739 700-719 680-699 660-679 640-659
2.000 2.000 2.000 2.000 2.000 2.000
State Adjustments
Group 1
0.000
Group 2
(0.050)
Group 3
(0.150)
Group 4
(0.200)
Group 5
(0.250)
Loan Amount (No High Bal)
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