greenbox loans, inc. 3250 wilshire blvd, #1900 los angeles ... · non-warrantable condo 0.250 0.250...

GreenBox Loans, Inc.

3250 Wilshire Blvd, #1900

Los Angeles, CA 90010

Phone: (800) 919-1086

Gbox CA BRE License# 01300944

Gbox CA DBO License# 603L516

Gbox NMLS# 333659

Program 5000-ELITE-24BS, 5000-ELITE-12BS & 5000-ELITE-2BS Page 2

Program 5000-24BS & 5000-2BS - 90% LTV Purchase and R&T Page 3

Program 5000-24BS-NP - Bank Statements w/580 FICO • 1 Day from Housing Event Page 4

Program 5000-12BS - 90% LTV Page 5

Program 5000-FN - Traditional Income Documentation From Country of Origin Page 6

Program 5000-ELITE-FD - 60 Mos From Housing Event • 60 Mos From BK • $2.5M Max Ln Page 7

Program 5000-NP - 24 Mos From Housing Event • 24 Mos From BK • $3,000,000 Max Ln Page 8

Program 5000-RH - One Day Out of Housing Event • $2,000,000 Max Loan Page 9

Program 5000-WVOE - Written Verification of Employment • $1,500,000 Max Loan 0

Program 5000-1YR - One Year Tax Returns • $3,000,000 Max Loan Page 11

Program 5000-ELITE-INV-DSCR - Investment, 80% LTV, Rental Income to Qualify Page 12

Program 5000-INV - $3,000,000 Max Loan Amount • NOO • No Reserves • No Ratios Page 13

Program 5000-INV-FN - Foreign National • NOO • No Reserves • No Ratios Page 13

Program 5000-INV-DSCR - Investment, 80% LTV, Rental Income to Qualify Page 14

Program 5000-ITIN-FD - No Social Security Number Full Doc Page 15

Program 5000-ITIN-24BS - No Social Security Number 24 Months Bank Statements Page 15

Program 5000-AU - Asset Utilization Page 16

Program 5000-2TD-24BS & 5000-2TD-FD - Second Liens Bank Statements & Full Doc, CLTV 85% Page 17-18

Program 5000-INV-DSCR-RH - Investment w/ Ficos as low as 500 & one year from Housing Event Page 19

This rate sheet is only an indication of value. Pricing is subject to change without notice.

PrePay Penalty

• Prepayment Penalty not allowed in the states of KS, MD, MI, MN, MS, ND, NM, OH, PA, RI, IA, IL and NJ

• If subject property is located in one of these states, contact [email protected] for pricing

Contact Details

Pricing and Registration: [email protected]

Scenario and Underwriting: [email protected]

Wholesale Support Desk: [email protected]

Specialty Lending Rates and Programs

March 18, 2020

Page 1 of 19

For Locks and Extensions

Lock: 8:00 am - 4:00 pm PST

[email protected]

Scenarios: [email protected]

3250 Wilshire Blvd, #1900 Effective Rate Sheet Date & Time:


- Impounds Required

- Minimum Loan Amount is $150,000

- Borrower Paid Compensation Only

Max Rebate 5/1 Arm 7/1 Arm Floor Margin

5000-BS-ELITE (0.500) 2/2/5 5/2/5 Margin 3.500

Loan Level Rate Adjustments (LLRA)

Loan Level Rate Adjustments (LLRA) <=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85

LTV => 760 (0.125) 0.000 0.125 0.250 0.500 0.875

740-759 (0.125) 0.000 0.125 0.375 0.500 1.000

720-739 0.000 0.000 0.125 0.500 0.625 1.125

700-719 0.125 0.125 0.250 0.750 0.875 1.250

680-699 0.250 0.250 0.375 0.875 1.125 1.500

12 Month Bank Statement 0.000 0.000 0.250 0.375 0.375 N/A

Ln Amt < 300,000 0.250 0.250 0.250 0.375 0.375 0.375

=> $500,000 (2, 24BS ONLY) (0.125) (0.125) (0.125) 0.000 0.000 0.000

$1,500,001 - $2,000,000 0.125 0.125 0.125 0.250 0.375 N/A

> $2,000,000 0.250 0.250 0.375 0.375 0.500 N/A

Purpose Cash Out 0.000 0.000 0.250 0.375 0.500 N/A

Occ Type Second Home 0.250 0.375 0.500 N/A N/A N/A

Non Owner 0.500 0.750 N/A N/A N/A N/A

Prop Type Condo 0.125 0.250 0.250 0.250 0.250 N/A

Non-Warrantable Condo N/A N/A N/A N/A N/A N/A

2-4 Units 0.375 0.500 N/A N/A N/A N/A

Amortization 7/1 0.250 0.250 0.250 0.250 0.250 0.250

30 Year Fixed 0.375 0.375 0.375 0.375 0.375 0.375

Interest Only 0.250 0.250 0.250 0.250 N/A N/A

DTI > 43% 0.000 0.125 0.125 N/A N/A N/A

N/A

0.375

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

0.250

5000-BS-ELITE

5/1 LIBOR ARM

Base Rate & Points

Rate 30 day

4.000 0.000

NMLS #333659. Rates, fees and programs are subjected to change without notice. Other restrictions may apply. Information is intended solely for mortgage bankers, mortgage

brokers and financial institutions. Not intended for distribution to consumers, as defined by Section 1026.2 of Regulation Z, which implements the Truth-In-Lending Act. Gbox CA

BRE License# 01300944, Gbox CA DBO License# 603L516

1.875

3.750 1.000 Index

0.5003.875

N/A

1 Yr LIBOR

85.01-90

1.625

1.750

0.000

N/A

0.375

3/17/2020

4.125 (0.250)

9:38 PM

** 2, 12 & 24 MONTH BANK STATEMENTS ELITE **$2,500,000 MAXIMUM LOAN AMOUNT UP TO 70% LTV

5000-24BS-ELITE & 5000-12BS-ELITE

4.250 (0.500)

Minimum Rate 3.750

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- Impounds Required


- If subj. property is in a state that prohibits Pre-Payment, contact lock desk for pricing

- Borrower Paid Compensation

LPC of 0.75% - add 0.375 to rate; LPC of 1.0% - add 0.50 to rate;



5000-24BS (0.500) 2/2/5 5/2/5 Start Rate 4.000



Credit Score > = 740 (0.375) (0.250) (0.125) 0.125 0.625 1.250

720 - 739 (0.250) (0.125) 0.000 0.250 0.750 1.375

700 - 719 (0.125) 0.000 0.125 0.375 1.000 1.750

680 - 699 0.000 0.125 0.500 0.750 1.250 1.875

660 - 679 0.250 0.375 0.625 1.000 1.500 2.250

Loan Amt < $250,000 0.250 0.250 0.250 0.250 0.250 0.250

$750,001 - $1,000,000 (0.125) (0.125) (0.125) (0.125) 0.000 0.000

$1,000,001 - $1,500,000 (0.125) (0.125) (0.125) 0.000 0.000 0.125

$1,500,001 - $2,500,000 0.125 0.250 0.250 0.250 0.250 0.375

$2,500,001 - $3,000,000 0.250 0.375 0.375 N/A N/A N/A

Purpose Cash Out 0.250 0.250 0.375 0.500 0.500 0.625

Occ Type Second Home 0.250 0.375 0.375 0.500 0.500 0.625

Non Owner 0.250 0.250 0.375 0.500 0.625 N/A

Prop Type Condo 0.125 0.125 0.250 0.375 0.375 0.375

Non-Warrantable Condo 0.250 0.250 0.375 0.500 0.500 N/A

2 - 4 Units 0.125 0.125 0.250 0.375 0.375 0.500

Amort Type Interest Only 0.250 0.250 0.250 0.250 0.250 0.375

7/1 ARM 0.125 0.125 0.125 0.125 0.125 0.125

30 Year Fixed 0.375 0.375 0.375 0.375 0.375 0.375

DTI > 43% 0.000 0.000 0.000 0.125 0.125 0.125

Housing Event Seasoning < 24 Months 0.125 0.125 0.125 0.125 0.125 0.250

Prepay Penalty No Prepay 1.0 pts 1.0 pts 1.0 pts 1.0 pts 1.0 pts N/A

(NOO Only) 1 Year Prepay 0.250 0.250 0.250 0.250 0.250 N/A

3 Year Prepay (0.250) (0.250) (0.250) (0.250) (0.250) N/A

Rate 30 day

4.750

0.000

0.250

4.625

N/A

0.250

0.250

0.500

85.01-90

1.875

2.000

2.500

- Lender Paid Compensation Now Available on NOO w/ PP

4.500 0.750

4.375 1.000 Index

1 Yr LIBOR

N/A

N/A

N/A

3/17/2020 9:38 PM

2 & 24 MONTH BANK STATEMENTS90% LTV PURCHASE & R/T UP TO $1,500,000

5000-24BS

5000-24BS

5/1 LIBOR ARM

Base Rate & Points

4.875 0.000

1.750




0.125

N/A

N/A

N/A

N/A

N/A

N/A

0.375

0.250

0.250

N/A

N/A

N/A

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- Impounds Required





5000-24BS-NP (0.500) 2/2/5 5/2/5 Start Rate 4.500



Credit Score > = 700 (0.375) (0.125) 0.000 0.375 0.750 1.500

680 - 699 (0.250) (0.125) 0.125 0.625 0.875 1.875

660 - 679 (0.125) 0.125 0.375 0.875 1.250 2.375

640 - 659 0.250 0.500 0.750 1.250 1.750 2.500

620 - 639 0.375 0.750 1.250 1.750 2.375 N/A

600 - 619 0.875 1.000 1.500 1.875 2.500 N/A

580 - 599 1.250 1.375 1.750 2.375 3.000 N/A

Loan Amt $750,001 - $1,000,000 (0.125) (0.125) (0.125) (0.125) 0.000 0.000

$1,000,001 - $1,500,000 (0.125) (0.125) (0.125) 0.000 0.250 0.375

$1,500,001 - $2,500,000 0.125 0.125 0.250 0.375 0.500 0.500

$2,500,001 - $3,000,000 0.375 0.375 0.500 N/A N/A N/A


Occ Type Second Home 0.375 0.500 0.500 0.625 0.625 N/A

Non Owner 0.375 0.500 0.625 N/A N/A N/A

Prop Type Condo 0.000 0.000 0.125 0.250 0.250 0.250


2 - 4 Units 0.125 0.250 0.375 0.500 0.500 0.625

Amort Type 7/1 ARM 0.125 0.125 0.125 0.125 0.125 0.125

30 Year Fixed 0.375 0.375 0.375 0.375 0.375 0.375

DTI > 43% 0.000 0.000 0.000 0.125 0.125 0.250

Prepay Penalty No Prepay 1.0 pts 1.0 pts 1.0 pts N/A N/A N/A

(NOO Only) 1 Year Prepay 0.250 0.250 0.250 N/A N/A N/A

3 Year Prepay (0.250) (0.250) (0.250) N/A N/A N/A

3/17/2020




5.375 0.750

5.750 0.000

Index

1 Yr LIBOR

BANK STATEMENTS W/ 580 FICO • 1 DAY FROM HOUSING EVENT5000-24BS-NP

Rate 30 day

5.625 0.250

5.500 0.500

1.000

9:38 PM

24 MONTH BANK STATEMENTS

5/1 LIBOR ARM

Base Rate & Points

5000-24BS-NP

5.250

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- Impounds Required




5000-12BS (0.500) 2/2/5 5/2/5 Start Rate 4.000



Credit Score > = 720 0.000 0.125 0.375 0.625 1.125 1.375

700 - 719 0.125 0.375 0.875 1.125 1.375 1.750

680 - 699 0.375 0.625 1.125 1.375 1.625 1.875

660 - 679 0.625 0.875 1.375 1.625 N/A N/A

Loan Amt < $250,000 0.625 0.625 0.750 0.750 0.750 0.750

> $600,000 <= $1,000,000 0.000 0.000 0.000 0.125 0.125 0.125

> $1,000,000 <= $1,500,000 0.000 0.000 0.000 0.000 0.125 0.125

> $1,500,000 0.250 0.250 0.250 0.250 0.250 0.375

Purpose Cash Out 0.250 0.250 0.375 0.500 0.500 0.625


Prop Type Condo 0.000 0.000 0.000 0.000 0.125 0.250

2-4 Units 0.250 0.250 0.250 0.250 0.250 N/A


7/1 ARM 0.250 0.250 0.250 0.125 0.125 0.125

30 Year Fixed 0.375 0.375 0.375 0.375 0.375 0.375

DTI > 43% 0.000 0.000 0.000 0.125 0.250 0.250 0.250

Rate 30 day

2.625

N/A

0.750

Index1.0004.250

4.750 0.000

9:38 PM

1.875

4.375 0.750

1 Yr LIBOR

85.01-90

4.625 0.250

4.500 0.500

3/17/2020

12 MONTH BANK STATEMENTS$2,500,000 MAXIMUM LOAN AMOUNT UP TO 85% LTV

5000-12BS

5000-12BS

5/1 LIBOR ARM

Base Rate & Points

2.500

0.375




0.125

0.125

N/A

N/A

N/A

N/A

N/A

N/A

0.125

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- Impounds Required



Rate 30 day - Borrower Paid Compensation

5.500 0.000

5.375 0.250 LPC of 0.75% - add 0.375 to rate; LPC of 1.0% - add 0.50 to rate;

5.250 0.500 LPC of 1.25% - add 0.625 to rate; LPC of 1.5% - add 0.75 to rate

5.125 0.750

5.000 1.000 Max Rebate 5/1 Arm 7/1 Arm Floor Margin

5000-FN 0.000 2/2/5 5/2/5 Start Rate 5.000


Loan Level Rate Adjustments (LLRA) <=60 60.01-65 65.01-70 70.01-75

Loan Amt $750,001 - $1,000,000 (0.125) (0.125) (0.125) (0.125)

$1,000,001 - $1,500,000 (0.125) (0.125) 0.000 0.000

$1,500,001 - $2,500,000 0.125 0.250 0.375 N/A

$2,500,001 - $3,000,000 0.375 N/A N/A N/A

Purpose Cash Out 0.000 0.250 N/A N/A

Occ Type Second Home 0.000 0.125 0.500 1.000

Non Owner 0.000 0.250 0.625 1.250

Prop Type Condo 0.000 0.125 0.250 0.375

Non-Warrantable Condo 0.125 0.250 0.375 N/A

2 - 4 Units 0.000 0.125 0.250 0.375

Amort Type Interest Only 0.125 0.125 0.125 0.125

7/1 ARM 0.125 0.125 0.125 0.125

30 Year Fixed 0.375 0.375 0.375 0.375

Prepay Penalty No Prepay 1.0 pts 1.0 pts 1.0 pts 1.0 pts

(NOO Only) 1 Year Prepay 0.250 0.250 0.250 0.250

3 Year Prepay (0.250) (0.250) (0.250) (0.250)

9:38 PM

5000-FN

Base Rate & Points

Index

1 Yr LIBOR




5/1 LIBOR ARM


FOREIGN NATIONAL LOANTRADITONAL INCOME DOCUMENTATION FROM COUNTRY OF ORIGIN

5000-FN

3/17/2020

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- Full Doc Only

- Impounds Required




5000-ELITE-FD (0.500) 2/2/5 5/2/5 Margin 3.500



LTV => 760 (0.250) (0.125) 0.000 0.000 0.250 0.500

740-759 (0.125) (0.125) 0.000 0.125 0.375 0.625

720-739 (0.125) (0.125) 0.000 0.250 0.500 0.750

700-719 0.000 0.000 0.125 0.375 0.625 1.000

680-699 0.125 0.125 0.375 0.750 0.875 1.250

Ln Amt < 500,000 0.250 0.250 0.250 0.250 0.250 0.375

$500,000 - $1,500,000 (0.125) (0.125) (0.125) 0.000 0.000 0.000

$1,500,001 - $2,000,000 0.125 0.125 0.125 0.375 0.375 N/A

> $2,000,000 0.250 0.250 0.375 0.375 N/A N/A


Occ Type Second Home 0.250 0.375 0.500 0.500 N/A N/A

Non Owner 0.500 0.625 N/A N/A N/A N/A

Prop Type Condo 0.125 0.250 0.250 0.250 N/A N/A

Non-Warrantable Condo N/A N/A N/A N/A N/A N/A

2-4 Units 0.375 0.500 0.750 N/A N/A N/A

Amortization 7/1 0.250 0.250 0.250 0.250 0.250 0.250

30 Year Fixed 0.375 0.375 0.375 0.375 0.375 0.375

Interest Only 0.250 0.250 0.250 0.250 0.250 N/A

DTI > 43% 0.000 0.125 0.125 N/A N/A N/A

N/A

90.01-95

2.000

2.125

0.375

N/A

3.875 0.500

5000-ELITE-FD

Rate 30 day

5000-ELITE-FD

5/1 LIBOR ARM

9:38 PM

ELITE - FULL DOC60 MOS FROM HOUSING EVENT • 60 MOS FROM BANKRUPTCY • $2,500,000 MAX LOAN

3/17/2020

4.125

4.000 0.000

(0.250)

3.750 1.000

N/A

N/A

1 Yr LIBOR

1.375

1.500

0.250

N/A

N/A

N/A

N/A

1.625

1.875

0.000

N/A

85.01-90

N/A




0.375

2.250

N/A

N/A

0.375

0.125

N/A

N/A

N/A

Index

4.250

Base Rate & Points

(0.500)

Minimum Rate 3.625

N/A

N/A

N/A

0.250

0.375

N/A

N/A

N/A

N/A

N/A

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- Impounds Required





LPC of 1.25% - add 0.625 to rate; LPC of 1.5% - add 0.75 to rate


5000-NP (0.500) 2/2/5 5/2/5 Start Rate 4.000



Credit Score > = 720 (0.250) (0.125) 0.000 0.000 0.625 1.125

700 - 719 (0.125) 0.000 0.000 0.250 0.750 1.375

680 - 699 0.000 0.000 0.250 0.500 1.000 1.750

660 - 679 0.000 0.125 0.250 0.500 1.125 2.000

640 - 659 0.375 0.500 0.625 1.000 1.750 2.250

620 - 639 0.500 0.750 1.125 1.500 2.250 2.625

600 - 619 1.000 1.125 1.500 1.875 2.750 N/A

Loan Amt $750,001 - $1,000,000 (0.125) (0.125) (0.125) (0.125) 0.000 0.000

$1,000,001 - $1,500,000 (0.125) (0.125) (0.125) 0.000 0.125 0.250

$1,500,001 - $2,500,000 0.125 0.125 0.125 0.125 0.250 0.250

$2,500,001 - $3,000,000 0.250 0.375 0.375 0.375 0.500 N/A

Purpose Cash Out 0.250 0.250 0.375 0.500 0.500 0.625


Investment 0.250 0.250 0.375 0.500 0.625 N/A

Prop Type Condo 0.000 0.000 0.000 0.125 0.125 0.125


2 - 4 Units 0.000 0.000 0.000 0.125 0.250 0.500

Amort Type 7/1 ARM 0.125 0.125 0.125 0.125 0.125 0.125

30 Year Fixed 0.375 0.375 0.375 0.375 0.375 0.375

Interest Only 0.125 0.125 0.125 0.250 0.250 0.375

Delinq Adj >1x30x12 0.250 0.250 0.375 0.375 0.375 0.375

Trade Lines Limited 0.500 0.500 0.500 0.500 0.500 N/A

DTI > 43% 0.000 0.000 0.000 0.125 0.125 0.250


(NOO Only) 1 Year Prepay 0.250 0.250 0.250 0.250 0.250 N/A

3 Year Prepay (0.250) (0.250) (0.250) (0.250) (0.250) N/A N/A

0.250

0.250

0.375




0.375

N/A

N/A

N/A

5000-NP

4.875 0.000

30 day

4.375 1.000 Index

4.750 0.250

4.625 0.500

1.625

N/A

85.01-90

1 Yr LIBOR

5000-NP

5/1 LIBOR ARM

Base Rate & Points

Rate

4.500 0.750

NON-PRIME FULL DOC


3/17/2020

1.750

2.125

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

0.000

24 MOS FROM HOUSING EVENT • 24 MOS FROM BANKRUPTCY • $3,000,000 MAX LOAN

9:38 PM

N/A

N/A

N/A

0.125

N/A

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- Impounds Required





5000-RH (0.500) 2/2/5 5/2/5 Start Rate 4.500



Credit Score > = 720 (0.375) (0.125) 0.000 0.125 0.500 0.750

700 - 719 (0.375) (0.125) 0.000 0.125 0.500 0.875

680 - 699 (0.250) 0.000 0.125 0.375 0.750 1.125

660 - 679 0.000 0.125 0.375 0.625 1.125 1.500

640 - 659 0.125 0.375 0.625 1.000 1.625 N/A

620 - 639 0.375 0.750 1.000 1.375 1.875 N/A

600 - 619 0.625 0.875 1.250 1.750 2.250 N/A

580 - 599 1.000 1.250 1.625 2.125 2.625 N/A

540 - 579 1.250 1.500 2.125 2.750 N/A N/A

500 - 539 1.500 1.750 2.125 N/A N/A N/A

Loan Amt $750,001 - $1,000,000 (0.125) (0.125) (0.125) (0.125) 0.000 0.000

$1,000,001 - $1,500,000 (0.125) (0.125) (0.125) 0.000 0.125 0.250

> $1,500,000 0.125 0.125 0.250 0.250 0.375 N/A



Investment =>620 0.250 0.375 0.500 N/A N/A N/A

Investment <620 0.750 1.000 1.500 N/A N/A N/A

Prop Type Condo 0.000 0.000 0.000 0.125 0.250 0.250

Non-Warrantable Condo 0.125 0.125 0.125 0.250 0.375 0.375

2 - 4 Units 0.000 0.000 0.000 0.125 0.375 0.375

Amort Type 7/1 ARM 0.125 0.125 0.125 0.125 0.125 0.125

30 Year Fixed 0.375 0.375 0.375 0.375 0.375 0.375

Trade Lines Limited 0.500 0.500 0.500 0.500 0.500 0.500

DTI > 43% 0.000 0.000 0.000 0.125 0.250 0.250

Prepay Penalty No Prepay 1.0 pts 1.0 pts 1.0 pts N/A N/A N/A

(NOO Only) 1 Year Prepay 0.250 0.250 0.250 N/A N/A N/A

3 Year Prepay (0.250) (0.250) (0.250) N/A N/A N/A

3/17/2020

5000-RH

5000-RH

5/1 LIBOR ARM

Base Rate & Points

Rate 30 day

Index

1 Yr LIBOR

0.000

5.625 0.250

5.500

5.250 1.000




0.500

5.750

9:38 PM

NON-PRIME - RECENT HOUSING - FULL DOCONE DAY OUT OF FORECLOSURE OR BANKRUPTCY • $2,000,000 MAX LOAN

5.375 0.750

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- Impounds Required



- Owner Occupied Only


5000-1YR (0.500) 2/2/5 5/2/5 Start Rate 4.000



LTV > = 720 (0.625) (0.500) (0.250) 0.375

700 - 719 (0.375) (0.250) 0.000 0.500

680 - 699 (0.250) (0.125) 0.250 N/A

660 - 679 0.000 0.125 0.250 N/A

Ln Amt $750,001 - $1,000,000 (0.125) (0.125) (0.125) (0.125)

$1,000,001 - $1,500,000 (0.125) (0.125) (0.125) N/A

Purpose Cash Out 0.250 0.250 0.375 0.500

Prop Type Condo 0.000 0.000 0.125 0.125

2 - 4 Units 0.000 0.000 0.125 0.250

Amortization 7/1 ARM 0.125 0.125 0.125 0.125

30 Year Fixed 0.375 0.375 0.375 0.375

Interest Only 0.125 0.125 0.125 0.250

DTI > 43% N/A N/A N/A N/A

5.500 (0.500)

5.375 (0.250)

3/17/2020

WRITTEN VERIFICATION OF EMPLOYMENT75% LTV PURCHASE/ RATE & TERM • $1,500,000 MAX LOAN

5000-WVOE

5000-WVOE

5/1 LIBOR ARM

Base Rate & Points

Rate 30 day

Index

4.875 0.750 1 Yr LIBOR

4.750 1.000




5.125 0.250

5.000 0.500

9:38 PM

5.250 0.000

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- Impounds Required






5000-1YR (0.500) 2/2/5 5/2/5 Start Rate 4.000



LTV > = 720 (0.375) (0.125) 0.000 0.375 0.625 1.000

700 - 719 (0.250) 0.000 0.000 0.500 0.750 1.250

680 - 699 (0.125) 0.000 0.250 0.750 1.000 1.750

660 - 679 0.000 0.125 0.250 0.750 1.250 2.500

Ln Amt $750,001 - $1,000,000 (0.125) (0.125) (0.125) (0.125) 0.000 0.000

$1,000,001 - $1,500,000 (0.125) (0.125) (0.125) 0.000 0.125 0.125

$1,500,001 - $2,500,000 0.125 0.125 0.125 0.125 0.250 0.375

$2,500,001 - $3,000,000 0.250 0.375 0.375 0.375 0.500 N/A



Investment 0.250 0.375 0.500 0.625 0.875 N/A


2 - 4 Units 0.000 0.000 0.000 0.125 0.250 0.500

Amortization 7/1 ARM 0.125 0.125 0.125 0.125 0.125 0.125

30 Year Fixed 0.500 0.500 0.500 0.500 0.500 0.500

Interest Only 0.125 0.125 0.125 0.250 0.250 0.375


1 Year Prepay 0.250 0.250 0.250 0.250 0.250 N/A

3 Year Prepay (0.250) (0.250) (0.250) (0.250) (0.250) N/A

DTI > 43% 0.000 0.000 0.000 0.125 0.125 0.250

5.250 (0.500)

1.500

1.875

2.375

N/A

0.125

0.250

N/A

9:38 PM

4.625 0.750


3/17/2020

1 Yr LIBOR

4.500 1.000

85% LTV PURCHASE/ RATE & TERM • $3,000,000 MAX LOAN5000-1YR

5000-1YR

5/1 LIBOR ARM

5.125 (0.250)

5.000

Base Rate & Points

Rate 30 day

0.000

4.875 0.250

Index




85.01-90

1 YEAR TAX RETURNS

4.750 0.500

N/A

N/A

N/A

0.375

N/A

N/A

N/A

N/A

0.500

0.125

N/A

N/A

N/A

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- Impounds Required


- Five year prepay






Max Rebate 5/1 Arm 7/1 Arm Floor Margin Index

5000-ELITE-INV-DSCR-PP (0.500) 2/2/6 5/2/5 Start Rate 6.000



Credit Score > = 760 (0.125) 0.000 0.000 0.250 0.375 0.625

740 - 759 0.000 0.000 0.125 0.375 0.500 0.750

720 - 739 0.125 0.125 0.375 0.500 0.625 1.000

700 - 719 0.250 0.375 0.500 0.625 0.750 1.250

680 - 699 0.375 0.500 0.750 0.875 1.000 1.625

Loan Amt <= $200,000 0.375 0.375 0.500 0.500 0.500 0.625

$1,000,001 - $1,500,000 (0.125) 0.000 0.000 0.000 0.125 0.125

$1,500,001 - $2,000,000 (0.125) 0.000 0.125 0.125 0.250 N/A

$2,000,001 - $3,000,000 0.375 0.500 0.500 0.500 N/A N/A

$3,000,001 - $3,500,000 0.625 0.750 0.750 N/A N/A N/A

Purpose Cash Out 0.000 0.125 0.250 0.375 0.375 0.375

Prop Type Non Warrantable Condo N/A N/A N/A N/A N/A N/A

2-4 Units 0.000 0.000 0.000 0.125 0.250 N/A

DSCR => 1.25 (0.125) (0.125) (0.125) (0.125) (0.250) (0.250)

Prepay Penalty No PrePay 1.75 pts 1.75 pts 1.75 pts 1.75 pts 1.75 pts 1.75 pts

1 Yr PrePay 1.000 1.000 1.000 1.000 1.000 1.000

2 Yr Prepay 0.750 0.750 0.750 0.750 0.750 0.750

3 Yr Prepay 0.375 0.375 0.375 0.375 0.375 0.375

4 Yr Prepay 0.125 0.125 0.125 0.125 0.125 0.125


7/1 ARM 0.125 0.125 0.125 0.125 0.250 0.250

30 Year Fixed 0.375 0.375 0.375 0.500 0.500 0.500

0.250

0.500

4.375 1 Yr LIBOR




75.01-80

0.875

1.000

1.125

1.500

2.000

0.750

N/A

N/A

N/A

N/A

N/A

N/A

N/A

(0.125)

1.75 pts

1.000

0.750

0.375

0.125

N/A

3/17/2020 9:38 PM

ELITE INVESTMENT DSCR$3,500,000 MAX LN AMT • NON-OWNER OCCUPIED • QUALIFY ON RENTAL INCOME

5000-ELITE-INV-DSCR-PP

ELITE-INV-DSCR-PP

5/1 LIBOR ARM

Base Rate & Points

Rate 30 day

4.875 (0.500)

4.750 (0.250)

4.625 0.000

4.500 0.500

4.375 1.000

4.250 1.500

Minimum Rate

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- Impounds Required


- Three year prepay





Max Rebate 3/1 Arm 5/1 Arm 7/1 Arm Floor Margin

5000-INV-PP 0.000 2/2/6 2/2/6 5/2/5 Start Rate 6.000


Loan Level Rate Adjustments (LLRA) <=55 55.01-60 60.01-65 65.01-70 70.01-75

Credit Score > = 740 (0.750) (0.500) (0.500) (0.375) 0.375

(Does not apply to 720 - 739 (0.625) (0.500) (0.375) (0.250) 0.875

Foreign Nationals) 700 - 719 (0.375) (0.250) (0.250) 0.000 1.250

680 - 699 (0.250) (0.125) 0.000 0.125 1.625

660 - 679 0.000 0.000 0.000 0.250 2.000

640 - 659 0.000 0.250 0.375 0.625 2.125

620 - 639 0.250 0.375 0.500 0.875 N/A

Loan Amt $1,000,001 - $1,500,000 0.000 0.000 0.000 0.125 0.250

$1,500,001 - $2,000,000 0.000 0.000 0.125 0.250 N/A

$2,000,001 - $3,000,000 0.250 0.375 0.500 0.500 N/A

Purpose Cash Out 0.250 0.250 0.375 0.500 N/A

Prop Type Non Warrantable Condo 0.250 0.250 0.250 0.250 0.250

2-4 Units 0.000 0.000 0.125 0.125 N/A

Prepay Penalty No PrePay 1.25 pts 1.25 pts 1.25 pts 1.25 pts 1.25 pts

1 Yr PrePay 0.500 0.500 0.500 0.500 0.500

2 Yr Prepay 0.250 0.250 0.250 0.250 0.250

Amort Type Interest Only 0.125 0.125 0.125 0.125 0.125

5/1 ARM 0.125 0.125 0.125 0.125 0.125

7/1 ARM 0.250 0.250 0.250 0.250 0.250

30 Year Fixed 0.500 0.500 0.500 0.500 0.500

Foreign National 0.375 0.500 0.625 0.750 1.625


Base Rate & Points

3/17/2020

INVESTMENT NO RATIO$3,000,000 MAX LOAN AMOUNT • NON-OWNER OCCUPIED • NO RESERVES • NO RATIOS

5000-INV-PP & 5000-INV-FN-PP

5000-INV-PP




5000-INV-FN-PP

Index

1 Yr LIBOR

0.000

6.375 0.250

6.250 0.500

Rate 30 day

0.750

6.000 1.000

6.500

3/1 LIBOR ARM

9:38 PM

6.125

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- Impounds Required


- Three year prepay






Max Rebate 5/1 Arm 7/1 Arm Floor Margin Index

5000-INV-DSCR-PP (0.500) 2/2/6 5/2/5 Start Rate 6.000



Credit Score > = 720 (0.250) (0.125) 0.000 0.000 0.750 1.125

(Does not apply to 700 - 719 (0.125) 0.000 0.000 0.250 1.250 1.625

Foreign Nationals) 680 - 699 0.000 0.125 0.375 0.500 1.500 N/A

660 - 679 0.125 0.250 0.500 0.750 1.875 N/A

640 - 659 0.375 0.625 0.875 1.125 2.125 N/A

620 - 639 1.500 1.750 2.000 2.375 N/A N/A

Loan Amt $1,000,001 - $1,500,000 0.000 0.000 0.000 0.125 0.125 N/A

$1,500,001 - $2,000,000 0.000 0.000 0.000 0.125 N/A N/A

$2,000,001 - $3,000,000 0.250 0.375 0.500 N/A N/A N/A


Prop Type Non Warrantable Condo 0.250 0.250 0.250 0.250 0.375 N/A

2-4 Units 0.000 0.000 0.000 0.125 N/A N/A

Prepay Penalty No PrePay 1.5 pts 1.5 pts 1.5 pts 1.5 pts 1.5 pts 1.5 pts

1 Yr PrePay 0.500 0.500 0.500 0.500 0.500 0.500

2 Yr Prepay 0.250 0.250 0.250 0.250 0.250 0.250

4 Yr Prepay (0.125) (0.125) (0.125) (0.125) (0.125) (0.125)

5 Yr Prepay (0.250) (0.250) (0.250) (0.250) (0.250) (0.250)

DSCR 1.01 - 1.24 (0.125) (0.125) (0.125) (0.125) (0.125) (0.125)

=> 1.25 (0.375) (0.375) (0.375) (0.375) (0.375) (0.375)

Amort Type Interest Only 0.125 0.125 0.125 0.125 0.250 N/A

7/1 ARM 0.125 0.125 0.125 0.125 0.125 0.125

30 Year Fixed 0.375 0.375 0.500 0.500 0.500 0.500

Foreign National 0.250 0.500 0.750 1.000 1.500 N/A

(0.500)

INVESTMENT DSCR$3,000,000 MAX LN AMT • NON-OWNER OCCUPIED • QUALIFY ON RENTAL INCOME

5000-INV-DSCR-PP

5/1 LIBOR ARM

Base Rate & Points

3/17/2020 9:38 PM

5.750 0.000

1 Yr LIBOR




5.625 0.250

5.500

5000-INV-DSCR-PP & 5000-INV-DSCR-FN-PP

6.000

0.750

5.250 1.000

0.500

5.375

Rate 30 day

5.875 (0.250)

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- Impounds Required



Max Rebate 7/1 Arm Floor Margin

5000-ITIN 0.000 5/2/5 Start Rate 4.000


Loan Level Rate Adjustments (LLRA) <=60 60.01-65 65.01-70 70-01.75 75-01.80 80-01.85

LTV => 720 (0.250) 0.000 0.250 0.375 1.000 1.500

700 - 719 (0.125) 0.125 0.375 0.500 1.125 1.625

680 - 699 0.000 0.250 0.500 0.625 1.250 1.750

660 - 679 0.125 0.375 0.625 0.750 1.375 1.875

620 - 659 0.250 0.500 0.750 0.875 1.500 N/A

No Fico / < 620 0.500 0.750 1.000 1.125 1.750 N/A

State CT, DE, FL, IL, LA, NJ, OK,PA 0.125 0.125 0.125 0.250 0.250 0.250

DTI > 43% 0.000 0.000 0.125 0.125 N/A N/A

Purpose Cash Out 0.500 0.625 N/A N/A N/A N/A


2 - 4 Units 0.000 0.000 0.125 0.125 N/A N/A

Amort Type 30 Year Fixed 0.375 0.375 0.375 0.375 0.375 0.375

Doc Type 24 Month Bank Statements 0.500 0.625 0.750 0.875 1.000 N/A N/A

Occupancy Second Home 0.250 0.375 0.500 N/A N/A N/A

Investment 0.500 0.750 N/A N/A N/A N/A N/A

Prepay Penalty No Prepay 1.0 pts 1.0 pts N/A N/A N/A N/A

(NOO Only) 1 Year Prepay 0.250 0.250 N/A N/A N/A N/A

3 Year Prepay (0.250) (0.250) N/A N/A N/A N/A




N/A

N/A

0.250

N/A

N/A

5.750 0.500

5.625 0.750

5.500 1.000 Index

1 Yr LIBOR

85.01-90

1.750

1.875

2.000

2.125

N/A

0.375

N/A

N/A

N/A

N/A

ITIN - No Social Security Number

9:38 PM

6.000 0.000

5.875 0.250

N/A

3/17/2020

90% LTV PURCHASE / RATE & TERM REFINANCES5000-ITIN

5000-ITIN

7/1 LIBOR ARM

Base Rate & Points

Rate 30 day

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- Impounds Required




5000-1YR (0.500) 2/2/5 5/2/5 Start Rate 4.000


Loan Level Rate Adjustments (LLRA) <=60 60.01-65 65.01-70 70-01.75

Credit Score > = 720 (0.250) 0.000 0.000 0.500

700 - 719 0.000 0.000 0.125 0.625

680 - 699 0.000 0.125 0.375 0.875

Loan Amt $750,001 - $1,000,000 (0.125) (0.125) (0.125) (0.125)

Occ Type Second Home 0.375 0.375 0.500 0.500

Investment 0.500 0.500 0.625 0.875

Purpose Cash Out 0.250 0.250 0.375 N/A

Prop Type Condo 0.125 0.125 0.250 0.375

Non Warrantable Condo 0.250 0.250 0.375 0.500

2 - 4 Units 0.125 0.125 0.250 0.375

Amort Type 7/1 ARM 0.125 0.125 0.125 0.125

30 Year Fixed 0.500 0.500 0.500 0.500

Interest Only 0.125 0.125 0.125 0.250

DTI > 43% N/A N/A N/A N/A

Prepay Penalty No PrePay 1.00 pts 1.00 pts 1.00. pts 1.00 pts

1 Yr PrePay 0.500 0.500 0.500 0.500

2 Yr Prepay 0.250 0.250 0.250 0.250

Index

4.625 0.750 1 Yr LIBOR

4.500 1.000




5.250 (0.500)

5.125 (0.250)

5.000 0.000

4.875 0.250

4.750 0.500

3/17/2020 9:38 PM

5000-AU

5000-AU WHOLESALE

5/1 LIBOR ARM

Base Rate & Points

Rate 30 day

75% LTV PURCHASE/ RATE & TERM • $1,500,000 MAX LOAN

ASSET UTILIZATION

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- No Impounds


- 20 Year Fixed


Max Rebate

5000-2TD-24BS 0.000

CLTV

<= 70% 70.01-75% 75.01-80% 80.01-85%

0.000 0.250 1.000 1.250

0.125 0.375 1.125 1.500

0.250 0.625 1.375 2.000

0.000 0.000 0.125 0.125

0.375 N/A N/A N/A

Maximum DTI: 43.0

Minimum Loan Amount: $150,000

Maximum Loan Amount: $500,000

Loan Level Rate Adjustments




FICO

780+

740-779

700-739

Cashout

Second Home

7.375 0.000

7.250 0.500

7.125 1.000

7.000 1.500

6.875 2.000

3/17/2020 9:38 PM

SECOND LIEN - 24 MONTHS BANK STATEMENTS85% CLTV CASH OUT UP TO $250,000

5000-2TD-24BS

5000-2TD-24BS

20 Year Fixed

Base Rate & Points

Rate 30 day

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- No Impounds


- 20 Year Fixed


Max Rebate

5000-2TD-FD 0.000

CLTV

<= 70% 70.01-75% 75.01-80% 80.01-85%

0.000 0.250 1.000 1.250

0.125 0.375 1.125 1.500

0.250 0.625 1.375 2.000

0.000 0.000 0.125 0.125

0.375 N/A N/A N/A

Maximum DTI: 43.0

Minimum Loan Amount: $150,000

Maximum Loan Amount: $500,000

780+

740-779

700-739

Cashout

Rate 30 day

6.750 0.000

6.625 0.500

6.500 1.000

6.375 1.500

3/17/2020 9:38 PM

SECOND LIEN - FULL DOCUMENTATION85% CLTV CASH OUT UP TO $250,000

5000-2TD-FD




6.250 2.000

Loan Level Rate Adjustments

FICO

Second Home

5000-2TD-FD

20 Year Fixed

Base Rate & Points

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- Impounds Required


- Three year prepay



- Lender Paid Compensation is Not Available

Max Rebate Balloon I/O Term

5000-INV-DSCR-RH-PP 0.000 Yes 36 Mos 36 Mos



Credit Score > = 620 0.000 0.125 0.250 0.375

600 - 619 0.125 0.250 0.375 0.500

580 - 599 0.500 0.625 0.750 N/A

540 - 579 0.750 1.000 N/A N/A

500 - 539 1.000 N/A N/A N/A

Loan Amt $1,000,001 - $1,500,000 0.125 0.250 0.375 0.500

Purpose Cash Out 0.250 0.375 0.500 N/A

Prop Type Condo (warrantable & Non) 0.250 0.250 0.250 N/A

2-4 Units 0.250 0.375 0.500 N/A

Prepay Penalty No PrePay: Not Available N/A N/A N/A N/A

1 Yr PrePay 0.750 0.750 0.750 0.750

2 Yr Prepay 0.375 0.375 0.375 0.375

Amort Type Interest Only 0.250 0.250 0.250 0.375

DSCR => 1.50 (0.375) (0.375) (0.375) (0.375)

1.0 - 1.49 (0.250) (0.250) (0.250) (0.250)




7.875 0.000

3/17/2020 9:38 PM

INVESTMENT DSCR RHNON-OWNER OCCUPIED • QUALIFY ON RENTAL INCOME • 500 FICO

5000-INV-DSCR-RH-PP

5000-INV-DSCR-RH PP

3 Year Fixed with Balloon

Base Rate & Points

Rate 30 day

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greenbox loans, inc. 3250 wilshire blvd, #1900 los angeles ... · non-warrantable condo 0.250 0.250...

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