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

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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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