Wholesale Rate Sheet - Fremont Bank

Wholesale Rate Sheet

Rates as of

4/29/20 9:28 AM

45 day locks required on all refinances and file must be delivered within 10 days. New Specials: 30 Yr Conf and High Bal Fixed Purchase + 0.25; Underwriting fee back to $950

Announcements & Current Specials -

NOW ACCEPTING PIW ON HIGH BAL!

Cutoff Dates: Last Day For Closing This Month

Cutoff Date

UPDATED Agency Specials (04-01-20) - FNMA/FHLMC (GOLD/Standard) - Pg. 2-5

Last day to acknowledge CD (refi)

Wednesday, April 22, 2020

30 Yr Conforming and High Bal Fixed Purchase + 0.25

Last day to sign to fund and record (refi)

Monday, April 27, 2020

30 Yr High Bal Fixed Cash Out + 0.250 as of 03/09/20

Loan Registration

Turn Times

The cash out special only applies to primary/second homes - NOO not eligible

Purchase

24 - 48 hours

High Bal Specials not eligible for Home Ready

Refinance

24 - 48 hours

Fremont Bank Serviced Loan Refinance Incentive +0.375% PRICE Discount

Underwriting

Turn Times Turn Times

> 4 Financed Prop LLPA for NOO subject prop + 2.00 as of 4/3/20

Purchase Transactions:

Initial u/w * Condition u/w

Port Specials - Pg. 8

Conventional

2-3 Days 4-5 Days

5/1 ARM Purchase special - 0.125; 7/1 ARM Purchase special - 0.125

Jumbo Gold

2-3 Days 4-5 Days

> 760 FICO - 0.00 as of 03/30/2020

Jumbo Port 406 & 407

2-3 Days 4-5 Days

NOO increased from 0.25 to 0.50 for locks > 3/26/20

FHA purchase

2-3 Days 4-5 Days

> $2.5mm loan amount hit reduced from 0.250 to ZERO for locks > 2/01/20

Max LTV on Port 75%. Also, Cash Out >= $100k requires Approval to Process

Refinance Transactions:

Initial u/w * Condition u/w

Lock Desk Hours: 6PM PST for Advance Lock and Regular Lock for Agency loans

Conventional

8-10 Days 5-6 Days

All other programs (port, Jumbo, FHA), lock extensions and relocks, cutoff time is 4PM PST Jumbo Fixed

8-10 Days 5-6 Days

All Agency Locks are to be performed on MORRIS; Portfolio can be submitted via email lock form

Jumbo Port 406 & 407

8-10 Days 5-6 Days

FHA refi/streamline

8-10 Days 5-6 Days

* Condition u/w includes processing time!

Rate Sheet Index

Loans in NOI status purchase: condition / re-underwrite review: 48 hours

FNMA (Gold) - Pg. 2

Diamond Jumbo - Pg. 6

Loans in NOI status refi: condition / re-underwrite review: 72 hours

FNMA (Gold) LLPA's - Pg. 3

FHA - Pg. 7

FHLMC (Standard) - Pg. 4

Jumbo Port 5/1 & 7/1 Arm - Pg. 8

Docs & Funding

Turn Times

FHLMC (Standard) LLPA's - Pg. 5

HELOC Standalone - Pg. 9

Docs

48 hours purchase; 72 hours refi

HELOC Combo - Pg. 10

Funding

48-72 hours

AE Contact Info - Pg. 11

Lock Extension Fees: Submit extension request via MORRIS (6 PM for Agency, 4 PM for Jumbo & FHA loans) Contact Us:

Lock Hours: 9:00AM - 6PM* PST

GOLD & Standard: 0.015/day - 30 day max

Website

Guidelines Lock Policy Heloc Calculator

GOLD & Diamond Jumbo: 0.02/ day; 30 days-max; max 2 extensions

locks@

Lock & Extension hours:

FHA: 0.015/day - 30 day max

submissions@

6PM for Agency

Jumbo Port 5/1 & 7/1: 0.015/ day; 30 day max

morrissupport@

4PM for other

MORRIS Support - 844-766-7747

4pm relock

Lock Eligibility & MISC:

Fees & LE's:

Minimum Loan amount $125,000 for all terms and products

Lender Origination fees for LE: Delivery Fee $ 25, Document

Max broker compensation cannot exceed $22,000 per transaction

Preparation Fee $ 125, Underwriting Fee $800 = $950

No relocks allowed on GOLD Jumbo & Diamond Jumbo programs

All Jumbo locks must be credit approved to lock with the exception of Purchase (allow Advance Locks)

Jumbo Port 5/1 & 7/1 lock eligibility:

FHA Origination Fees for LE: Delivery Fee $ 25, Document

Loans that fit guidelines and are < $1M are lock eligible upon receipt of file submission.

Preparation Fee $ 50, Underwriting Fee $ 395 = $ 470

Loans > $1M or loans that require a guideline exception must have an 'Approval to Process'

* Section B of LE: Flood $5.25

PIW only eligible on FNMA (GOLD) programs- DU only. High Bal included as of app date 03-09-20

** Tax Service Fee: $25 if paying off FB 1st; $50 if other lender, N/A for FHA

FNMA/ FHLMC: File will be underwritten for final determination but below are agency differences

Loss Payee & CPL:

Gold - FNMA Only Niche Scenarios:

Loss Payee Clause:

CPL: Fremont Bank

Use of second job income allowed, if at least a 12 month history, under certain conditions

Fremont Bank

2580 Shea Center Drive

Minimal losses from a secondary self employed job can potentially be ignored

ISAOA, ITS SUCCESSORS OR ASSIGNEES Livermore Ca 94551

Using rental income on purchase of investment property for borrower with No REO

P.O. Box 7295

Appraisal property condition rating of C5

Fremont, CA 94537-7295

Use of PIW

Standard - FHLMC Only Niche Scenarios:

Disburse cash out to the Borrower up to the greater of 1% of the new refinance mortgage or $2,000 (r/term)

Use of RSU time based or performance based income

Use of "short term" rental income reflected on tax returns

ACE eligible on conforming FHLMC (Standard) programs, HB not allowed even if LP allows. Must get ACE with LP recommendation

Intended for approved Mortgage Brokers use only and not for consumer use or for public distribution. The terms and programs are subject to change without notice. Please refer to our website or contact us for current information. Pricing subject to change without notice

1

Announcements

Rates as of

4/29/20 9:28 AM

FNMA (GOLD): Conforming & High Balance Fixed Rate First Mortgages - DU only underwriting

MORRIS Plan 113 Rate 3.000 3.125 3.250 3.375 3.500 3.625 3.750 3.875 3.990 4.000 4.125

4.250

15 Day (0.536) (1.405) (2.031) (2.555) (2.767) (2.877) (3.381) (3.657) (3.636) (3.686) (3.721)

(3.217)

30 Year Fixed Rate Conf 30 Day (0.346) (1.215) (1.841) (2.365) (2.577) (2.687) (3.191) (3.467) (3.446) (3.496) (3.531)

(3.027)

45 Day (0.266) (1.135) (1.761) (2.285) (2.497) (2.607) (3.111) (3.366) (3.416) (3.416) (3.451)

(2.947)

MORRIS Plan 114 Rate 3.000 3.125 3.250 3.375 3.500 3.625 3.750 3.875 4.000 4.125 4.250

4.375

15 Day (0.561) (1.431) (2.008) (2.423) (2.806) (3.450) (3.907) (4.176) (4.247) (4.204) (4.122)

(4.354)

20 Year Fixed Rate Conf 30 Day (0.371) (1.241) (1.818) (2.233) (2.616) (3.260) (3.717) (3.986) (4.067) (4.014) (3.932)

(4.164)

4.375 4.500

(3.443) (3.490)

(3.253) (3.300)

(3.173) (3.220)

4.500

(4.362)

(4.182)

45 Day (0.261) (1.131) (1.708) (2.123) (2.506) (3.150) (3.607) (3.876) (3.957) (3.904) (3.822)

(4.054)

(4.072)

MORRIS Plan 115 Rate 2.625 2.750 2.875 3.000 3.125 3.250 3.375 3.500 3.625 3.750 3.875

4.000

4.125

15 Day (0.302) (0.706) (1.148) (1.767) (2.211) (2.417) (2.617) (2.678) (2.976) (3.180) (3.290)

(3.290)

(2.833)

15 Year Fixed Rate Conf 30 Day (0.162) (0.566) (1.008) (1.627) (2.061) (2.277) (2.467) (2.538) (2.836) (3.030) (3.150)

(3.150)

(2.693)

45 Day (0.102) (0.496) (0.938) (1.567) (2.001) (2.217) (2.407) (2.478) (2.776) (2.970) (3.080)

(3.090)

(2.633)

MORRIS Plan 116 Rate 2.625 2.750 2.875 3.000 3.125 3.250 3.375 3.500 3.625 3.750 3.875

4.000

4.125

15 Day (0.292) (0.628) (1.124) (1.675) (2.085) (2.364) (2.433) (2.611) (2.941) (3.188) (3.275)

(3.311)

(2.792)

10 Year Fixed Rate Conf 30 Day (0.142) (0.488) (0.974) (1.535) (1.945) (2.214) (2.283) (2.471) (2.801) (3.048) (3.135)

(3.161)

(2.652)

45 Day (0.082) (0.428) (0.914) (1.465) (1.875) (2.154) (2.223) (2.411) (2.731) (2.988) (3.065)

(3.101)

(2.582)

MORRIS Plan 127

30 Year High Balance Fixed Rate

MORRIS Plan 128

15 Year High Balance Fixed Rate

Rate

15 Day

30 Day

45 Day

Rate

15 Day

30 Day

45 Day

3.375

1.046

1.236

1.346

2.875

(0.344)

(0.204)

(0.144)

3.500

0.894

1.084

1.194

3.000

(0.773)

(0.633)

(0.573)

3.625

0.994

1.174

1.284

3.125

(1.097)

(0.957)

(0.897)

3.750

0.730

0.920

1.030

3.250

(1.313)

(1.173)

(1.113)

3.875

0.454

0.644

0.754

3.375

(1.473)

(1.333)

(1.263)

4.000

0.335

0.525

0.635

3.500

(1.854)

(1.714)

(1.644)

4.125

0.370

0.560

0.670

3.625

(2.092)

(1.952)

(1.892)

4.250

1.734

1.924

2.034

3.750

(2.286)

(2.146)

(2.076)

4.375

1.478

1.658

1.768

3.875

(2.356)

(2.216)

(2.156)

4.500

1.401

1.591

1.701

4.000

(2.346)

(2.206)

(2.146)

4.125

(1.339)

(1.199)

(1.139)

Intended for approved Mortgage Brokers use only and not for consumer use or for public distribution. The terms and programs are subject to change without notice.

Please refer to our website or contact us for current information.

2

(FNMA) Gold

Rates as of

4/29/20 9:28 AM

FNMA (GOLD): Conforming & High Balance LLPA's - DU only underwriting

All Eligible Mortgage FICO & LTV LLPAs for loans with terms > than 15 yrs -- Add to Price

FICO / LTV

740

0.000

0.250

0.250

0.500

0.250

0.250

0.250

720 - 739

0.000

0.250

0.500

0.750

0.500

0.500

0.500

700 - 719

0.000

0.500

1.000

1.250

1.000

1.000

1.000

680 - 699

0.000

0.500

1.250

1.750

1.500

1.250

1.250

660 - 679

0.000

1.000

2.250

2.750

2.750

2.250

2.250

640 - 659

0.500

1.250

2.750

3.000

3.250

2.750

2.750

620 - 639

0.500

1.500

3.000

3.000

3.250

3.250

3.250

< 620 *

0.500

1.500

3.000

3.000

3.250

3.250

3.250

* A minimum required credit score of 620 applies to all mortgage loans delivered to FNMA in accordance with the Selling Guide.

All Eligible Mortgage Cash Out Refis LLPAs for All Loans -- Add to Price

FICO / LTV

740

0.375

0.625

0.625

0.875

N/A

N/A

N/A

720 - 739

0.375

1.000

1.000

1.125

N/A

N/A

N/A

700 - 719

0.375

1.000

1.000

1.125

N/A

N/A

N/A

680 - 699

0.375

1.125

1.125

1.750

N/A

N/A

N/A

660 - 679

0.625

1.125

1.125

1.875

N/A

N/A

N/A

640 - 659

0.625

1.625

1.625

2.625

N/A

N/A

N/A

620 - 639

0.625

1.625

1.625

3.125

N/A

N/A

N/A

< 620 *

1.625

2.625

2.625

3.125

N/A

N/A

N/A

All Eligible Mortgage LLPAs (excluding MCM) -- Apply to All Credit Scores -- Add to Price

Product Feature/ LTV

4 Financed Props (a)

2.000

2.000

2.000

2.000

2.000

N/A

N/A

2 - Unit

1.000

1.000

1.000

1.000

1.000

N/A

N/A

3 - 4 Unit

1.000

1.000

1.000

N/A

N/A

N/A

N/A

Condo w/ Term > 15 Year

0.000

0.000

0.000

0.750

0.750

0.750

0.750

(a) > 4 Financed Properties applicable to NOO subject prop only

Additional LLPAs -- Apply to credit scores for High Balance FRM & ARM -- Add to Price - LTV

Product Feature

5 Years

95% - 90.01%

30%

1.60%

90% - 85.01%

25%

1.20%

85% & Under

12%

0.59%

< 20 Year Fixed - HomeReady

97% - 95.01%

25%

1.09%

95% - 90.01%

25%

0.95%

< 20 Year Fixed

95% - 90.01%

25%

0.95%

90% - 85.01%

12%

0.59%

85% & Under

6%

0.43%

FICO

Premium Adjustments

760+

Rate/Term Refinance *

0.00%

Cash Out

0.54%

Second Home

0.36%

3-4 Unit

1.02%

Investment Property

1.02%

Please refer to our website or contact us for current information. 3

FICO 740-759 2.27% 1.91%

FICO 720-739 2.82% 2.36%

FICO 700-719 3.32% 2.74%

2.22% 1.68% 0.72%

2.75% 2.08% 0.83%

3.21% 2.49% 0.97%

1.43% 1.24%

1.76% 1.50%

2.05% 1.74%

1.24% 0.72% 0.47% FICO 740-759 0.00% 0.60% 0.39% 1.19% 1.19%

1.50% 0.84% 0.49% FICO 720-739 0.00% 0.70% 0.49% 1.33% 1.33%

1.74% 0.95% 0.53% FICO 700-719 0.00% 0.85% 0.60% 1.50% 1.50%

(FNMA) Gold New LLPA

FICO 680-699 4.09% 3.35%

3.94% 3.01% 1.13%

2.49% 2.08%

2.08% 1.10% 0.58% FICO 680-699 0.00% 1.05% 0.70% 1.75% 1.75%

FICO 660-679 5.36% 4.37%

5.16% 4.06% 1.52%

3.19% 2.66%

2.66% 1.40% 0.69% FICO 660-679 0.00% 1.50% 1.23% 1.90% 1.90%

FICO 640-659 5.82% 4.63%

5.48% 4.22% 1.57%

3.39% 2.77%

2.77% 1.43% 0.71% FICO 640-659 0.00% 1.65% 1.27% 2.00% 2.00%

FICO 620-639 6.35% 4.93%

5.83% 4.42% 1.62%

3.62% 2.91%

2.91% 1.47% 0.72% FICO 620-639 0.00% 1.80% 1.35% 2.63% 2.63%

Rates as of

4/29/20 9:28 AM

FHLMC (Standard): Conforming & High Balance Fixed First Mortgages - LP Only

MORRIS Plan 210

30 Year Fixed Rate Conf

MORRIS Plan 211

20 Year Fixed Rate Conf

MORRIS Plan 212

15 Year Fixed Rate Conf

Rate

15 Day 30 Day 45 Day

Rate

15 Day 30 Day 45 Day

Rate

15 Day 30 Day 45 Day

3.000

(0.696) (0.546) (0.396)

3.000

(0.621) (0.521) (0.351)

2.625

(0.452) (0.262) (0.252)

3.125

(1.555) (1.415) (1.275)

3.125

(1.181) (1.081) (0.931)

2.750

(0.856) (0.666) (0.666)

3.250

(2.161) (1.991) (1.821)

3.250

(1.788) (1.658) (1.468)

2.875

(1.298) (1.108) (1.108)

3.375

(2.545) (2.385) (2.225)

3.375

(2.233) (2.113) (1.923)

3.000

(1.647) (1.467) (1.467)

3.500

(2.897) (2.737) (2.587)

3.500

(2.646) (2.526) (2.346)

3.125

(2.181) (2.021) (2.001)

3.625

(3.007) (2.857) (2.727)

3.625

(2.900) (2.770) (2.600)

3.250

(2.527) (2.377) (2.357)

3.750

(3.281) (3.121) (2.971)

3.750

(3.187) (3.047) (2.867)

3.375

(2.717) (2.567) (2.547)

3.875

(3.577) (3.417) (3.267)

3.875

(3.496) (3.366) (3.186)

3.500

(2.788) (2.638) (2.628)

3.990

(3.806) (3.646) (3.506)

4.000

(3.807) (3.677) (3.497)

3.625

(3.036) (2.896) (2.866)

4.000

(3.856) (3.696) (3.556)

4.125

(3.904) (3.764) (3.594)

3.750

(3.270) (3.130) (3.110)

4.125

(3.891) (3.731) (3.591)

4.250

(3.722) (3.592) (3.512)

3.875

(3.400) (3.250) (3.230)

4.250

(3.377) (3.227) (3.167)

4.375

(3.854) (3.724) (3.644)

4.000

(3.390) (3.250) (3.240)

4.375

(3.603) (3.453) (3.403)

4.500

(3.952) (3.832) (3.742)

4.125

(2.893) (2.763) (2.723)

4.500

(3.650) (3.500) (3.460)

MORRIS Plan 227 30 Year High Balance Fixed Rate MORRIS Plan 228 15 Year High Balance Fixed Rate

Rate

15 Day 30 Day 45 Day

Rate

15 Day 30 Day 45 Day

3.375

1.096

1.286

1.396

2.875

(0.344) (0.204) (0.144)

3.500

0.944

1.134

1.244

3.000

(0.773) (0.633) (0.573)

3.625

1.044

1.224

1.334

3.125

(1.097) (0.957) (0.897)

3.750

0.780

0.970

1.080

3.250

(1.313) (1.173) (1.113)

3.875

0.504

0.694

0.804

3.375

(1.473) (1.333) (1.263)

4.000

0.385

0.575

0.685

3.500

(1.854) (1.714) (1.644)

4.125

0.420

0.610

0.720

3.625

(2.092) (1.952) (1.892)

4.250

1.784

1.974

2.084

3.750

(2.286) (2.146) (2.076)

4.375

1.528

1.708

1.818

3.875

(2.356) (2.216) (2.156)

4.500

1.451

1.641

1.751

4.000

(2.346) (2.206) (2.146)

4.125

(1.339) (1.199) (1.139)

1 Yr Libor

0.90975%

FHLMC (Standard): Conforming & High Balance ARM's - LP Only

MORRIS Plan 273

5/1 LIBOR ARM Conf Margin 2.250 - Caps 2/2/5

MORRIS Plan 274

7/1 LIBOR ARM Conf Margin 2.250 - Caps 5/2/5

MORRIS Plan 275

10/1 LIBOR ARM Conf Margin 2.250 - Caps 5/2/5

Rate

15 Day 30 Day 45 Day

Rate

15 Day 30 Day 45 Day

Rate

15 Day 30 Day 45 Day

2.875

0.190

0.190

0.190

2.875

0.280

0.290

0.290

3.000

0.090

0.090

0.100

3.000

0.120

0.130

0.140

3.000

0.110

0.110

0.120

3.125

(0.010) 0.000

0.020

3.125

0.050

0.070

0.080

3.125

(0.070) (0.060) (0.050)

3.250

0.220

0.240

0.260

3.250

0.230

0.250

0.270

3.250

(0.100) (0.090) (0.070)

3.375

0.240

0.270

0.290

3.375

0.240

0.270

0.290

3.375

(0.230) (0.210) (0.190)

3.500

(0.070) (0.040) (0.010)

3.500

0.020

0.050

0.070

3.500

(0.510) (0.480) (0.450)

3.625

(0.380) (0.350) (0.310)

3.625

(0.210) (0.180) (0.140)

3.625

(0.780) (0.750) (0.710)

3.750

(0.780) (0.740) (0.700)

3.750

(0.560) (0.520) (0.480)

3.750

(1.210) (1.160) (1.130)

3.875

(1.120) (1.070) (1.030)

3.875

(0.840) (0.790) (0.740)

3.875

(1.530) (1.480) (1.440)

4.000

(1.370) (1.320) (1.270)

4.000

(0.980) (0.930) (0.880)

4.000

(1.710) (1.650) (1.610)

4.125

(1.630) (1.570) (1.520)

4.125

(1.130) (1.070) (1.020)

4.125

(1.880) (1.820) (1.770)

4.250

(1.890) (1.820) (1.770)

5/1 LIBOR ARM HB

Margin

MORRIS Plan 290

2.250 - Caps 2/2/5

MORRIS Plan 291

7/1 LIBOR ARM HB Margin 2.250 - Caps 5/2/5

MORRIS Plan 292

10/1 LIBOR ARM HB Margin 2.250 - Caps 5/2/5

Rate

15 Day 30 Day 45 Day

Rate

15 Day 30 Day 45 Day

Rate

15 Day 30 Day 45 Day

2.875

1.690

1.690

1.690

3.375

1.780

1.790

1.790

3.625

1.590

1.590

1.600

3.000

1.620

1.630

1.640

3.500

1.610

1.610

1.620

3.750

1.490

1.500

1.520

3.125

1.550

1.570

1.580

3.625

1.430

1.440

1.450

3.875

1.720

1.740

1.760

3.250

1.730

1.750

1.770

3.750

1.400

1.410

1.430

4.000

1.740

1.770

1.790

3.375

1.740

1.770

1.790

3.875

1.270

1.290

1.310

4.125

1.430

1.460

1.490

3.500

1.520

1.550

1.570

4.000

0.990

1.020

1.050

4.250

1.120

1.150

1.190

3.625

1.290

1.320

1.360

4.125

0.720

0.750

0.790

4.375

0.720

0.760

0.800

3.750

0.940

0.980

1.020

4.250

0.290

0.340

0.370

4.500

0.380

0.430

0.470

3.875

0.660

0.710

0.760

4.375

(0.030) 0.020

0.060

4.625

0.130

0.180

0.230

4.000

0.520

0.570

0.620

4.500

(0.210) (0.150) (0.110)

4.750

(0.130) (0.070) (0.020)

4.125

0.370

0.430

0.480

4.625

(0.380) (0.320) (0.270)

4.875

(0.390) (0.320) (0.270)

Intended for approved Mortgage Brokers use only and not for consumer use or for public distribution. The terms and programs are subject to change without notice.

Please refer to our website or contact us for current information.

4

(FHLMC) Standard

Rates as of

4/29/20 9:28 AM

FHLMC (Standard): Conforming & High Balance LLPA's - LP Only

ARM's - Maximum number of financed properties (including the subject) for SH & INV 7/1 & 10/1 ARMs is six (6), 5/1 ARM maximum is limited to one (1)

FICO / LTV

740

0.000

0.250

0.250

0.500

0.250

0.250

720 - 739

0.000

0.250

0.500

0.750

0.500

0.500

700 - 719

0.000

0.500

1.000

1.250

1.000

1.000

680 - 699

0.000

0.500

1.250

1.750

1.500

1.250

660 - 679

0.000

1.000

2.250

2.750

2.750

2.250

640 - 659

0.500

1.250

2.750

3.000

3.250

2.750

620 - 639

0.500

1.500

3.000

3.000

3.250

3.250

< 620 *

0.500

1.500

3.000

3.000

3.250

3.250

Cash Out Refis LLPAs for all Loans -- Add to Price

FICO / LTV

740

0.375

0.625

0.625

0.875

N/A

N/A

720 - 739

0.375

1.000

1.000

1.125

N/A

N/A

700 - 719

0.375

1.000

1.000

1.125

N/A

N/A

680 - 699

0.375

1.125

1.125

1.750

N/A

N/A

660 - 679

0.625

1.125

1.125

1.875

N/A

N/A

640 - 659

0.625

1.625

1.625

2.625

N/A

N/A

620 - 639

0.625

1.625

1.625

3.125

N/A

N/A

< 620 *

1.625

2.625

2.625

3.125

N/A

N/A

Additional LLPAs -- Apply to All Credit Scores -- Add to Price

Product Feature / LTV

15 Year

0.000

0.000

0.000

0.750

0.750

0.750

Investment Property

2.125

2.125

2.125

3.375

4.125

N/A

Second Home

0.000

0.000

0.000

0.000

0.000

0.250

> 4 Financed Prop (a) 2-4 Unit

2.000

2.000

2.000

2.000

2.000

N/A

1.000

1.000

1.000

1.000

N/A

N/A

Second Home > 85%

0.000

0.000

0.000

0.000

0.000

0.250

(a) > 4 Financed Properties applicable to NOO subject prop only

Additional LLPAs -- Apply to credit scores for High Balance FRM & ARM -- Add to Price - LTV

Product Feature

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