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Click for Guidelines Submission Checklists & FormsProgram Guidelines & Matrices

2 Conf - Fixed Order Appraisal3 Power Purchase℠ Helpful Links4 HomeReady - FNMA5 Home Possible - FHLMC6 Conf - FNMA HB7 Conf - FHLMC SC8 Conf - ARM9 HB/SC ARM

10 LPMI11 Conf - Multiple Prop12 Conf - Multiple Prop HB13 Conf DU - MH14 Conf LP - MH15 FHA16 VA 12 Day16 USDA 21 Day17 FHA HB 30 Day17 VA HB 45 Day18 FHA 203(k) 60 Day19 Jumbo Premier AutoPay20 Jumbo Supreme21 Elite Jumbo22 FHA-VA MH23 HARP - MH $995 24 DU Refi Plus less than 80 LTV $895 25 DU Refi Plus 80.01 - 105 LTV $1,145 26 DU Refi Plus over 105 LTV $595 27 LP Relief Refi less than 80 LTV No Fee28 LP Relief Refi 80.01 - 105 LTV29 LP Relief Refi over 105 LTV30 Reverse Mortgages31 CalPLUS32 Within Reach™

33 Flex A+ and A34 Flex A-, B, C, Investments35 Peak Plus36 Peak37 Select38 Hobby Farm

Land Home Financial Services, Inc. (LHFS) is an Equal Housing Opportunity Lender. Rates, Programs, Fees, and Guidelines are subject to change without notice.Restrictions apply. Not a commitment to lend. Terms may not apply to every situation. LHFS only conducts business in states approved to.To view states licenses click here. Land Home Financial Services, Inc. 1355 Willow Way, Suite 250, Concord, CA 94520. NMLS #1796.

Land Home Financial Services, Inc., 1355 Willow Way, Suite 250

Concord, CA 94520

Rate sheet is indication pricing only. All loans must be priced on eXPRESS. Prices subject to change due to intraday market conditions without prior notification. All adjustments are in addition to applicable LLPA's and LLRA's. Adjustments subject to change by Investor without notice. Please obtain current market, correct pricing, and adjustments on eXPRESS. All prices are subject to price caps.

Land Home Financial Services, Inc., Our Conforming Fixed Products are available for DU, LP or Manual AUS

P.O. Box 961292Fort Worth, TX 76161-0292

Pricing Adjustment Applies for Manual AUS CPL or Title Commitments:

FHA Sponsor ID: 7245500008VA ID: 9065230000

EXPANDED NICHE PRODUCTS

Loss Payee / Mortgagee ClauseProperty Insurance (Hazard / Flood):

California & HawaiiAll Other States

Within Reach (All Types)FHA Streamline

VA Loans

Lender ID Numbers

7/9/2018 Central and East Regions12 Day Locks must have CTC Approval (630) 560-5335

[email protected]

Loan Type Admin Fee

5/22/2018 (720) 459-65485/31/2018 [email protected]/11/20186/25/2018 Bob Bordenet

ARM, 203(k), Jumbo, HECM, Expanded, and Within Reach Cut-Off Time:

2:00 PM Pacific

[email protected]

Rate Changes, Program Changes, and Lock Extensions: 3:00 PM Pacific Regional Sales Directors

Lock Expiration Dates Tom MerelliMountain Region

(800) [email protected] Monday to Friday from

6 AM - 5 PM Pacific (9 AM - 8 PM ET)

Lock Desk Cut-Off TimesLHFS Wholesale Lock DeskLock Cut-Off Time: 5:00 PM Pacific

New ELEVATE Price IncentivesUp to 0.375 for Most Conforming and FHA Products

Including High Balance/Super Conforming and Manufactured

Important Online Links Customer Service

5/10/18 8:00 AMRate Locks Online - See Below For Lock Cut-Off Times

Rate Sheets Represent Borrower Paid Compensation. Pricing in the eXPRESS portal includesall Loan Level Price Adjustments (LLPAs), pricing caps and Lender Paid Compensation (LPC).

Online Rate/Price supersedes published rate sheets.LHFSWholesale.com

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https://www.fanniemae.com/content/job-aid/desktop-underwriter/topic/du_requesting_additional_sponsoring_lenders.htm

Rate 12-Day 21-Day 30-Day 45-Day 60-Day Rate 12-Day 21-Day 30-Day 45-Day 60-Day

4.000 1.289 1.404 1.488 1.567 1.663 4.000 1.274 1.389 1.473 1.552 1.6484.125 0.541 0.656 0.740 0.819 0.915 4.125 0.526 0.641 0.725 0.804 0.9004.250 -0.103 0.012 0.096 0.175 0.271 4.250 -0.118 -0.003 0.081 0.160 0.2564.375 -0.695 -0.580 -0.496 -0.417 -0.321 4.375 -0.710 -0.595 -0.511 -0.432 -0.3364.500 -1.254 -1.139 -1.055 -0.976 -0.880 4.500 -1.269 -1.154 -1.070 -0.991 -0.8954.625 -1.923 -1.808 -1.724 -1.645 -1.549 4.625 -1.938 -1.823 -1.739 -1.660 -1.5644.750 -2.505 -2.390 -2.306 -2.227 -2.131 4.750 -2.520 -2.405 -2.321 -2.242 -2.1464.875 -3.079 -2.986 -2.897 -2.808 -2.641 4.875 -3.030 -2.915 -2.831 -2.752 -2.6564.990 -2.797 -2.677 -2.587 -2.467 -2.357 5.000 -3.521 -3.406 -3.322 -3.243 -3.1475.000 -3.506 -3.391 -3.307 -3.228 -3.132 5.125 -4.116 -4.001 -3.917 -3.838 -3.7425.125 -4.101 -3.986 -3.902 -3.823 -3.727 5.250 -4.663 -4.548 -4.464 -4.385 -4.2895.250 -4.648 -4.533 -4.449 -4.370 -4.274 5.375 -5.111 -4.996 -4.912 -4.833 -4.7375.375 -5.096 -4.981 -4.897 -4.818 -4.722 5.500 -5.225 -5.225 -5.225 -5.225 -5.155

Rate 12-Day 21-Day 30-Day 45-Day 60-Day Rate 12-Day 21-Day 30-Day 45-Day 60-Day Rate 12-Day 21-Day 30-Day 45-Day 60-Day

3.750 0.709 0.851 0.925 1.011 1.880 3.250 1.915 1.915 2.013 2.111 2.494 3.250 0.985 0.985 1.102 1.219 2.2533.875 0.489 0.589 0.636 0.677 1.301 3.375 1.378 1.409 1.511 1.596 1.660 3.375 0.641 0.641 0.758 0.876 1.5354.000 0.206 0.206 0.324 0.443 0.645 3.500 0.905 0.921 1.019 1.117 1.187 3.490 1.175 1.248 1.382 1.467 1.5754.125 -0.391 -0.391 -0.273 -0.154 0.028 3.625 0.389 0.389 0.487 0.584 0.751 3.500 0.291 0.291 0.408 0.525 1.0624.250 -1.099 -1.099 -0.966 -0.832 -0.669 3.750 -0.147 -0.147 -0.051 0.070 0.145 3.625 -0.002 -0.002 0.116 0.233 0.6264.375 -1.651 -1.651 -1.518 -1.384 -1.250 3.875 -0.717 -0.717 -0.621 -0.499 -0.156 3.750 -0.741 -0.741 -0.617 -0.494 0.0204.490 -1.203 -1.083 -0.993 -0.873 -0.763 4.000 -1.091 -1.091 -0.975 -0.857 -0.672 3.875 -1.082 -1.082 -0.959 -0.835 -0.2814.500 -2.291 -2.291 -2.166 -2.022 -1.808 4.125 -1.624 -1.624 -1.507 -1.390 -1.122 3.990 -0.628 -0.508 -0.418 -0.298 -0.1884.625 -2.880 -2.880 -2.744 -2.583 -2.384 4.250 -1.992 -1.898 -1.838 -1.774 -1.710 4.000 -1.418 -1.418 -1.295 -1.171 -0.7974.750 -3.410 -3.410 -3.272 -3.110 -2.878 4.375 -2.236 -2.195 -2.082 -2.018 -1.954 4.125 -1.697 -1.697 -1.574 -1.450 -1.2474.875 -3.823 -3.823 -3.685 -3.522 -3.337 4.500 -2.734 -2.734 -2.620 -2.506 -2.295 4.250 -2.117 -2.023 -1.963 -1.899 -1.8354.990 -3.257 -3.137 -3.047 -2.927 -2.817 4.625 -2.703 -2.703 -2.570 -2.389 -2.141 4.375 -2.361 -2.267 -2.207 -2.143 -2.0795.000 -4.340 -4.340 -4.201 -4.038 -3.770 4.750 -3.069 -3.069 -2.935 -2.754 -2.688 4.490 -1.844 -1.724 -1.634 -1.514 -1.404

<=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-970.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.5001.000 1.000 1.000 1.000 1.000 1.000 n/a n/a n/a1.000 1.000 1.000 1.000 1.000 n/a n/a n/a n/a

0.000 0.000 0.000 0.000 0.750 0.750 0.750 0.750 0.7500.000 0.000 0.000 0.000 0.000 0.000 0.250 n/a n/a2.125 2.125 2.125 2.125 3.375 4.125 n/a n/a n/a0.250 0.250 0.250 0.250 0.250 0.250 0.250 0.250 0.2500.250 0.250 0.250 0.250 0.250 0.250 0.250 0.250 0.250

0.000 0.250 0.250 0.250 0.500 0.250 0.250 0.250 0.7500.000 0.250 0.250 0.500 0.750 0.500 0.500 0.500 1.0000.000 0.500 0.500 1.000 1.250 1.000 1.000 1.000 1.5000.000 0.500 0.500 1.250 1.750 1.500 1.250 1.250 1.5000.000 1.000 1.000 2.250 2.750 2.750 2.250 2.250 2.2500.500 1.250 1.250 2.750 3.000 3.250 2.750 2.750 2.7500.500 1.500 1.500 3.000 3.000 3.250 3.250 3.250 3.500

0.375 0.625 0.625 0.625 0.875 n/a n/a n/a n/a0.375 1.000 1.000 1.000 1.125 n/a n/a n/a n/a0.375 1.000 1.000 1.000 1.125 n/a n/a n/a n/a0.375 1.125 1.125 1.125 1.750 n/a n/a n/a n/a0.625 1.125 1.125 1.125 1.875 n/a n/a n/a n/a0.625 1.625 1.625 1.625 2.625 n/a n/a n/a n/a0.625 1.625 1.625 1.625 3.125 n/a n/a n/a n/a

Back to cover page Land Home Financial Services, Inc.Your Preferred Wholesale Lender

5/10/18 8:00 AMRate locks online from daily posting until 5:00 PM Pacific. ARM, Jumbo and 203(k) cut-off time is 2:00 PM Pacific.

Maximum Rebate After Adjustments - 105.00Rate Sheets Represent Borrower Paid Compensation. Pricing in the eXPRESS portal includes all Loan Level Adjustments,

Pricing Caps and Lender Paid Compensation (LPC). Online Rate/Price supersedes published rate sheets.LHFSWholesale.com

Conforming Fixed Rate Product (DU/LP)Conforming 30 Yr Fixed (WC30-000) Conforming 25 Yr Fixed (WC25-000)

Conforming 20 Yr Fixed (WC20-000) Conforming 15 Yr Fixed (WC15-000) Conforming 10 Yr Fixed (WC10-000)

LLPAs (Loan Level Price Adjustments) Are Not Guidelines - Please follow standard FNMA/FHLMC requirements as applicable

Feature Adjustments FixedManual Underwriting2 Unit Property3-4 Unit Property (75.01% - 80% LP Only)

Condominiums (Loan Terms > 15 Years)Second Home (LP Only)Investment Property5-6 Financed Properties, Non Owner Occupied (LP Only)New York State Adjustment

FICO Adjustments (All Transactions Types) with terms greater than 15 years740+720 - 739700 - 719680 - 699660 - 679640 - 659620 - 639

Cash Out Refinance Adjustments (All Loan Terms)Cash Out Refinance 740+Cash Out Refinance 720 - 739Cash Out Refinance 700 - 719Cash Out Refinance 680 - 699Cash Out Refinance 660 - 679Cash Out Refinance 640 - 659Cash Out Refinance 620 - 639

Secondary Financing LLPAs - DUAll loans with secondary financing 0.375 This fee is in addition to the fees below based on FICO and LTV/CLTV

LTV Range TLTV Range Credit Score < 720 Credit Score >= 720<=65% 80.01% - 95.00% 0.500 0.25065.01% - 75.00% 80.01% - 95.00% 0.750 0.50075.01% - 95.00% 90.01% - 95.00% 1.000 0.75075.01% - 90.00% 76.01% - 90.00% 1.000 0.750<=95% 95.01% - 97.00% 1.500

These LLPAs do not apply if the secondary financing is a Community Seconds loan.Secondary Financing LLPAs - LP

LTV Range TLTV Range Credit Score < 720 Credit Score >= 720<=75% <=80% 0.375 0.375<=65% 80.01% - 95.00% 0.875 0.625

The LLPAs in this table do not apply if the secondary financing is an Affordable Seconds loan.Lock Extension Fee: 2.5 BPS Per Day

65.01% - 75.00% 80.01% - 95.00% 1.125 0.87575.01% - 95.00% 75.01% - 95.00% 1.375 1.125

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Rate 30-Day 60-Day Rate 30-Day 60-Day Rate 30-Day 60-Day Rate 30-Day 60-Day

4.500 2.142 2.269 4.500 2.142 2.269 4.500 2.392 2.519 4.500 2.392 2.5194.625 1.533 1.683 4.625 1.533 1.683 4.625 1.783 1.933 4.625 1.783 1.9334.750 0.897 1.049 4.750 0.897 1.049 4.750 1.147 1.299 4.750 1.147 1.2994.875 0.325 0.474 4.875 0.325 0.474 4.875 0.575 0.724 4.875 0.575 0.7245.000 -0.253 -0.104 5.000 -0.253 -0.104 5.000 -0.003 0.146 5.000 -0.003 0.1465.125 -0.849 -0.668 5.125 -0.849 -0.668 5.125 -0.599 -0.418 5.125 -0.599 -0.4185.250 -1.377 -1.197 5.250 -1.377 -1.197 5.250 -1.127 -0.947 5.250 -1.127 -0.9475.375 -1.896 -1.719 5.375 -1.896 -1.719 5.375 -1.646 -1.469 5.375 -1.646 -1.4695.500 -2.345 -2.171 5.500 -2.345 -2.171 5.500 -2.095 -1.921 5.500 -2.095 -1.9215.625 -2.606 -2.442 5.625 -2.606 -2.442 5.625 -2.356 -2.192 5.625 -2.356 -2.1925.750 -3.077 -2.916 5.750 -3.077 -2.916 5.750 -2.827 -2.666 5.750 -2.827 -2.666

<=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-970.000 0.250 0.250 0.250 0.500 0.250 0.250 0.250 0.7500.000 0.250 0.250 0.500 0.750 0.500 0.500 0.500 1.0000.000 0.500 0.500 1.000 1.250 1.000 1.000 1.000 1.5000.000 0.500 0.500 1.250 1.750 1.500 1.250 1.250 1.5000.000 1.000 1.000 2.250 2.750 2.750 2.250 2.250 2.2500.500 1.250 1.250 2.750 3.000 3.250 2.750 2.750 2.7500.500 1.500 1.500 3.000 3.000 3.250 3.250 3.250 3.500

FICO 760+ 740-759 720-739 700-719 680-699 660-679 640-659 <640LLPA 1.680 2.270 2.820 3.320 4.090 5.360 5.820 n/a* Adjustments based on Loan Amount or LPMI are excluded from the LLPA caps

FICO 760+ 740-759 720-739 700-719 680-699 660-679 640-659 <640LLPA 1.950 2.510 3.060 3.950 4.400 5.870 n/a n/a* Adjustments based on Loan Amount or LPMI are excluded from the LLPA caps





Power Purchase and Power Purchase Pl Power Purchase Power Purchase Plus Power Purchase MH Power Purchase Plus MHHPA 2% Fixed 30 HPA 2% Fixed 30 LPMI HP 2% Fixed 30 HP 2% Fixed 30 LPMI

(WCPP30HPA2-000) (WCPPP30HPA2LPMI-000) (WCPPMH30HP2-000) (WCPPPMH30HP2LPMI-000)

Product Features

No minimum contribution from borrower(s) personal funds All borrowers must occupy as primary residenceNo reserves required Borrower(s) may not, as of the Note Date, have any individual or joint

ownership in other residential propertiesPurchase OnlySFR, Condo, PUD, Townhouse, MH Borrowers’ annual income cannot exceed 100% of the area median income

limits, nor higher in high cost areasSingle UnitMax 97% LTV/CLTV/HCLTV No income limits apply if the Mortgaged Premises is located in an

Underserved Area16% MI Coverage for >90% to 95% LTV12% MI Coverage for >85% to 90% LTV Maximum ratios follow AUS6% MI Coverage for >80% to 90% LTV Must be fully amortized 1st Lien Conv MtgLLPAs (Loan Level Price Adjustments) Are Not Guidelines - Please follow standard FHLMC requirements as applicable

LLPAs Are Cumulative - Maximum LLPAs (Excludes Admin Fee):LTV >80% and FICO >=680 0.000*All Other LTV Ratios and FICO Combinations 1.500*

Feature / LTV LTV <= 75% LTV > 75%Condominiums (Loan Terms > 15 Years) 0.000 0.750Manufactured Housing 0.500Loan Amount Up To $50,000* 1.500Loan Amount Over $50,000 to $75,000* 1.000Loan Amount Over $75,000 to $100,000* 0.750Loan Amount Over $100,000 to $150,000* 0.250New York State Adjustment* 0.250* Adjustments based on Loan Amount or LPMI are excluded from the LLPA caps. New York State Adjustment is excluded from the LLPA caps.

FICO Adjustments (All Transaction Types)FICO / LTV

740+

Additional Price Adjustments for Power Purchase Plus HPA 2% Fixed 30 LPMI (WCPPMH30HP2-000)*

Additional Price Adjustments for Power Purchase Plus MH HP 2% Fixed 30 LPMI (WCPPPMH30HP2LPMI-000)*

Lock Extension Fee: 2.5 BPS Per Day

720 - 739700 - 719680 - 699660 - 679640 - 659620 - 639

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Rate 12-Day 21-Day 30-Day 45-Day Rate 21-Day 30-Day 45-Day 60-Day Rate 21-Day 30-Day 45-Day 60-Day

3.750 3.358 3.461 3.581 3.660 3.625 6.007 6.088 6.159 6.277 3.625 3.504 3.585 3.656 3.7733.875 2.092 2.192 2.238 2.279 3.750 5.229 5.309 5.380 5.498 3.750 2.705 2.786 2.857 2.9754.000 2.099 2.214 2.298 2.377 3.875 4.568 4.649 4.719 4.837 3.875 1.960 2.041 2.111 2.2294.125 1.351 1.466 1.550 1.629 4.000 3.845 3.925 3.996 4.114 4.000 1.308 1.389 1.459 1.5774.250 0.707 0.822 0.906 0.985 4.125 3.031 3.112 3.183 3.300 4.125 0.685 0.765 0.836 0.9544.375 0.115 0.230 0.314 0.393 4.250 2.321 2.402 2.472 2.590 4.250 0.078 0.175 0.261 0.4094.500 -0.545 -0.473 -0.392 -0.311 4.375 1.713 1.794 1.865 1.983 4.375 -0.483 -0.386 -0.300 -0.1534.625 -1.272 -1.199 -1.118 -1.037 4.500 1.267 1.353 1.426 1.543 4.500 -1.216 -1.119 -1.033 -0.8864.750 -1.922 -1.829 -1.741 -1.652 4.625 0.521 0.618 0.704 0.852 4.625 -1.822 -1.725 -1.639 -1.4914.875 -2.529 -2.436 -2.347 -2.258 4.750 -0.129 -0.032 0.053 0.201 4.750 -2.293 -2.196 -2.110 -1.9635.000 -2.223 -2.325 -2.228 -2.136 4.875 -0.679 -0.582 -0.497 -0.349 4.875 -2.709 -2.612 -2.527 -2.3795.125 -2.840 -3.041 -2.944 -2.851 5.000 -1.073 -0.976 -0.890 -0.743 5.000 -3.177 -3.063 -2.962 -2.7855.250 -3.368 -3.658 -3.561 -3.469 5.125 -1.357 -1.260 -1.174 -1.027 5.125 -3.772 -3.659 -3.557 -3.381

<=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-971.000 1.000 1.000 1.000 1.000 1.000 n/a n/a n/a1.000 1.000 1.000 1.000 n/a n/a n/a n/a n/a0.000 0.000 0.000 0.000 0.750 0.750 0.750 0.750 0.7500.250 0.250 0.250 0.250 0.250 0.250 0.250 0.250 0.250

0.000 0.250 0.250 0.250 0.500 0.250 0.250 0.250 0.7500.000 0.250 0.250 0.500 0.750 0.500 0.500 0.500 1.0000.000 0.500 0.500 1.000 1.250 1.000 1.000 1.000 1.5000.000 0.500 0.500 1.250 1.750 1.500 1.250 1.250 1.5000.000 1.000 1.000 2.250 2.750 2.750 2.250 2.250 2.2500.500 1.250 1.250 2.750 3.000 3.250 2.750 2.750 2.7500.500 1.500 1.500 3.000 3.000 3.250 3.250 3.250 3.5000.500 1.500 1.500 3.000 3.000 3.250 3.250 3.250 3.750



Maximum Rebate After Adjustments - 105.00 (103.00 for High Balance)Rate Sheets Represent Borrower Paid Compensation. Pricing in the eXPRESS portal includes all Loan Level Adjustments,


Conforming and High Balance Conforming FNMA HomeReady FixedFor 25 Yr Fixed, 15 Yr Fixed and 10 Yr Fixed please price your loans at www.LHFS-eXPRESS.com

Conf 30 FNMA HomeReady (WC30FHR-000) Conf 30 FNMA HB HomeReady (WCHB30FHR-000) Conf 20 FNMA HomeReady (WC20FHR-000)

HOMEREADY FEATURES

• Up to 97% Financing (1-Unit Purchase) for FTBH and Repeat Homebuyers HomeReady Eligibility Map• No Minimum Borrower Contribution (Own Funds) for 1-Unit Incl. Income Limit and Average Median Income - Use Flexible Sources of Funds for Down Payment and Closing Costs Click Here - Sources of Funds can incl. Gifts, Grants, Community Seconds, Cash-On-Hand - Required Homeownership Education Through a Simple Online Course 1-Unit 2 to 4-Unit• Non-Occupant Borrowers Allowed (Max 95% LTV in DU) Purchase or Limited Cash-Out Refi

- Income is Considered Part of Qualifying Income and Subject to Applicable Income LimitsPrimary residence, including

condos, PUDs, mfr

Primary residence (no condos, co-ops,

or mfr)• Innovative New Feature that Supports Extended Family Households• Will Consider Income from a Non-Borrower Household Member - Compensating factor in DU to allow for DTI higher than 45%, up to 50% No income limits in low-income census tracts

- Not counted as qualifying income 100% of area median income (AMI) in high-minority census tracts or designated disaster areas. 80% of

AMI in all other census tracts. - Non-borrower income must be at least 30% of the total monthly qualifying income - Income from more than one non-borrower household member may be considered - Non-borrower household members may be relatives or non-relatives May have more than one Community Seconds

• Rental income from accessory dwelling units may be considered in qualifying the borrower CLTV up to 105% with eligible Community Seconds• Lower than standard mortgage insurance coverage – 25% for LTVs above 90% to 97% $0 Min Borrower Funds 3% Min Borr Funds

LLPAs (Loan Level Price Adjustments) Are Not Guidelines - Please follow standard FNMA HomeReady requirements as applicableCumulative LLPA Caps (Excludes Admin Fee)

LTV >80% and FICO >=680 0.000%All Other LTV Ratios and FICO Combinations 1.500%

Feature Adjustments Fixed2 Unit Property3-4 Unit PropertyCondominiums (Loan Terms > 15 Years)New York State Adjustment


0.500

0 (Eligible with DU)Secondary Financing LLPAs

All loans with secondary financing 0.375 This fee is in addition to the fees below based on FICO and LTV/CLTVLTV Range TLTV Range Credit Score < 720 Credit Score >= 720

76.01% - 90.00% 1.000 0.750

<=65% 80.01% - 95.00% 0.500 0.25065.01% - 75.00% 80.01% - 95.00% 0.750

<=95% 95.01% - 97.00% 1.500These LLPAs do not apply if the secondary financing is a Community Seconds loan.


75.01% - 95.00% 90.01% - 95.00% 1.000 0.75075.01% - 90.00%

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3.250 7.441 7.448 7.481 7.672 2.250 7.974 7.981 8.052 8.058 3.750 4.443 4.456 4.508 4.5803.375 7.327 7.340 7.392 7.460 2.375 7.263 7.270 7.341 7.347 3.875 3.722 3.735 3.787 3.8603.500 4.821 4.936 5.020 5.099 2.500 6.552 6.559 6.630 6.636 4.000 2.856 2.868 2.921 2.9953.625 3.926 4.041 4.125 4.204 2.625 5.897 5.904 5.977 5.982 4.125 2.206 2.223 2.297 2.3573.750 3.172 3.287 3.371 3.450 2.750 5.590 5.618 5.674 5.698 4.250 1.523 1.541 1.614 1.6743.875 2.092 2.192 2.238 2.279 2.875 4.876 4.905 4.961 4.984 4.375 0.835 0.852 0.926 0.9874.000 1.889 2.004 2.088 2.167 3.000 4.178 4.207 4.264 4.287 4.500 0.126 0.143 0.217 0.2834.125 1.141 1.256 1.340 1.419 3.125 3.555 3.583 3.642 3.665 4.625 -0.509 -0.487 -0.392 -0.3204.250 0.497 0.612 0.696 0.775 3.250 3.025 3.053 3.112 3.136 4.750 -1.145 -1.123 -1.028 -0.9554.375 -0.095 0.020 0.104 0.183 3.375 2.514 2.542 2.603 2.626 4.875 -1.717 -1.695 -1.600 -1.5294.500 -0.545 -0.473 -0.392 -0.311 3.500 2.084 2.134 2.188 2.229 5.000 -2.295 -2.273 -2.178 -2.1084.625 -1.272 -1.199 -1.118 -1.037 3.625 1.534 1.584 1.638 1.679 5.125 -2.918 -2.890 -2.774 -2.6894.750 -1.922 -1.829 -1.741 -1.652 3.750 0.955 1.005 1.060 1.101 5.250 -3.445 -3.418 -3.302 -3.218

<=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-971.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.0001.000 1.000 1.000 1.000 1.000 1.500 2.000 2.000 2.0000.000 0.000 0.000 0.000 0.750 0.750 0.750 0.750 0.7500.250 0.250 0.250 0.250 0.250 0.250 0.250 0.250 0.250

0.000 0.250 0.250 0.250 0.500 0.250 0.250 0.250 0.7500.000 0.250 0.250 0.500 0.750 0.500 0.500 0.500 1.0000.000 0.500 0.500 1.000 1.250 1.000 1.000 1.000 1.5000.000 0.500 0.500 1.250 1.750 1.500 1.250 1.250 1.5000.000 1.000 1.000 2.250 2.750 2.750 2.250 2.250 2.2500.500 1.250 1.250 2.750 3.000 3.250 2.750 2.750 2.7500.500 1.500 1.500 3.000 3.000 3.250 3.250 3.250 3.500






Conforming FHLMC Home PossibleFor 20 Yr Home Possible and 20 Yr/15 Yr Advantage Products price your loans at www.LHFS-eXPRESS.com

Conf 30 FHLMC Home Possible (WC30FHP-000) Conf 15 FHLMC Home Possible (WC15FHP-000) Conf 30 FHLMC HP Advantage (WC30FHPA-000)

HOME POSSIBLE FEATURESNo minimum contribution from borrower(s) personal funds unless

LTV/CLTV/HCLTV is >80% to <= 95% and Number of Units is 2-4 (3% is required)

All borrowers must occupy as primary residence

Borrower(s) may not, as of the Note Date, have any individual or joint ownership in other residential propertiesNo reserves required for 1-unit (2 mo. for 2- to 4-unit)

Loan Purposes: Purchase and Rate/Term Refinance Borrowers’ annual income cannot exceed 100% of the area median income limits, nor higher in high cost areas1- to 4-Unit Primary Residence and Manufactured Home

Max 95% LTV/CLTV/HCLTV for 1-4 Unit Prop (97% for Advantage) No income limits apply if the Mortgaged Premises is located in an Underserved Area16% MI Coverage for >90% to 95% LTV

12% MI Coverage for >85% to 90% LTV Maximum ratios follow AUS6% MI Coverage for >80% to 90% LTV Must be fully amortized 1st Lien Conv Mtg

Secondary Financing, incl. Afforable Second permitted Fixed-rate mortgages up to 30-year maturityHome Possible Max LTV/TLTV is 95%. Home Possible Advantage Max LTV is 97%, Max TLTV is 105% (Affordable Seconds Required).

LLPAs (Loan Level Price Adjustments) Are Not Guidelines - Please follow standard FHLMC requirements as applicableLLPAs Are Cumulative - Maximum LLPAs (Excludes Admin Fee):

LTV >80% and FICO >=680 0.000All Other LTV Ratios and FICO Combinations 1.500

Feature Adjustments Fixed2 Unit Property3-4 Unit PropertyCondominiums (Loan Terms > 15 Years)New York State Adjustment


Cash Out Refinance Adjustments (All Loan Terms)Cash Out Refinance 740+Cash Out Refinance 720 - 739

All Home Possible Loans with Secondary Financing 0.500LLPA does not apply if the secondary financing is an Affordable Seconds loan. Secondary financing for Home Possible Advantage must be Affordable Seconds.


Cash Out Refinance 700 - 719Cash Out Refinance 680 - 699Cash Out Refinance 660 - 679Cash Out Refinance 640 - 659Cash Out Refinance 620 - 639

Secondary Financing LLPA

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3.750 3.306 3.421 3.505 3.584 3.680 3.500 6.443 6.558 6.642 6.721 3.875 2.660 2.775 2.859 2.938 3.034 3.625 5.460 5.541 5.612 5.612 5.7303.990 2.817 2.937 3.027 3.147 3.257 3.750 4.682 4.762 4.833 4.833 4.9514.000 2.030 2.145 2.229 2.308 2.404 3.875 4.021 4.102 4.172 4.172 4.2904.125 1.286 1.401 1.485 1.564 1.660 4.000 3.298 3.378 3.729 3.449 3.5674.250 0.645 0.760 0.844 0.923 1.019 4.125 2.484 2.565 2.985 2.636 2.7544.375 0.054 0.169 0.253 0.332 0.428 4.250 1.774 1.855 2.344 1.925 2.0434.490 0.462 0.582 0.672 0.792 0.902 4.375 1.166 1.247 1.753 1.318 1.4364.500 -0.404 -0.289 -0.205 -0.126 -0.030 4.500 0.720 0.806 1.295 0.879 0.9974.625 -1.071 -0.956 -0.872 -0.793 -0.697 4.625 -0.026 0.071 0.628 0.157 0.3054.750 -1.652 -1.537 -1.453 -1.374 -1.278 4.750 -0.676 -0.579 0.047 -0.494 -0.3464.875 -2.161 -2.046 -1.962 -1.883 -1.787 4.875 -1.226 -1.129 -0.462 -1.044 -0.8964.990 -0.782 -0.662 -0.572 -0.452 -0.342 5.000 -1.620 -1.523 -0.552 -1.437 -1.2905.000 -2.251 -2.136 -2.052 -1.973 -1.877 5.125 -1.904 -1.807 -1.147 -1.721 -1.5745.125 -2.846 -2.731 -2.647 -2.568 -2.472 5.250 -2.486 -2.373 -1.693 -2.272 -2.0955.250 -3.392 -3.277 -3.193 -3.114 -3.018


3.500 5.156 5.259 5.307 5.400 5.505 3.000 3.685 3.785 3.832 3.879 4.476 2.750 4.929 5.003 5.130 5.211 5.3193.625 4.435 4.538 4.586 4.679 4.784 3.125 3.229 3.354 3.424 3.494 4.049 2.875 4.543 4.617 4.744 4.824 4.9333.750 3.757 3.859 3.908 4.000 4.105 3.250 2.752 2.877 2.948 3.018 3.620 3.000 3.435 3.535 3.582 3.629 3.875 3.098 3.200 3.248 3.341 3.446 3.375 2.023 2.148 2.218 2.288 3.176 3.125 2.979 3.104 3.174 3.244 4.000 3.530 3.645 3.729 3.808 3.904 3.500 1.513 1.638 1.708 1.778 2.736 3.250 2.502 2.627 2.698 2.768 3.6204.125 2.786 2.901 2.985 3.064 3.160 3.625 1.789 1.897 1.952 2.006 2.323 3.375 1.773 1.898 1.968 2.038 3.1764.250 2.145 2.260 2.344 2.423 2.519 3.750 1.246 1.354 1.409 1.464 2.004 3.500 1.263 1.388 1.458 1.528 2.7364.375 1.554 1.669 1.753 1.832 1.928 3.875 0.756 0.864 0.919 0.973 1.547 3.625 1.539 1.647 1.702 1.756 2.3234.500 1.096 1.211 1.295 1.374 1.470 4.000 0.817 0.898 2.334 0.976 1.101 3.750 0.996 1.104 1.159 1.214 2.0044.625 0.429 0.544 0.628 0.707 0.803 4.125 0.407 0.488 1.899 0.567 0.691 3.875 0.506 0.614 0.669 0.723 1.5474.750 -0.152 -0.037 0.047 0.126 0.222 4.250 0.272 0.353 1.302 0.431 0.555 4.000 0.817 0.817 0.898 0.976 1.1014.875 -0.661 -0.546 -0.462 -0.383 -0.287 4.375 0.063 0.144 1.094 0.223 0.347 4.125 0.407 0.407 0.488 0.567 0.6915.000 -0.751 -0.636 -0.552 -0.473 -0.377 4.500 -0.126 -0.045 0.818 0.033 0.157 4.250 0.272 0.272 0.353 0.431 0.5555.125 -1.346 -1.231 -1.147 -1.068 -0.972 5.250 -1.892 -1.777 -1.693 -1.614 -1.518

<=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-970.250 0.250 0.250 0.250 0.250 0.250 0.250 0.250 n/a1.000 1.000 1.000 1.000 1.000 1.000 n/a n/a n/a1.000 1.000 1.000 1.000 n/a n/a n/a n/a n/a0.000 0.000 0.000 0.000 0.750 0.750 0.750 0.750 n/a2.125 2.125 2.125 2.125 3.375 4.125 n/a n/a n/a0.250 0.250 0.250 0.250 0.250 0.250 0.250 0.250 n/a

0.000 0.250 0.250 0.250 0.500 0.250 0.250 0.250 n/a0.000 0.250 0.250 0.500 0.750 0.500 0.500 0.500 n/a0.000 0.500 0.500 1.000 1.250 1.000 1.000 1.000 n/a0.000 0.500 0.500 1.250 1.750 1.500 1.250 1.250 n/a0.000 1.000 1.000 2.250 2.750 2.750 2.250 2.250 n/a0.500 1.250 1.250 2.750 3.000 3.250 2.750 2.750 n/a0.500 1.500 1.500 3.000 3.000 3.250 3.250 3.250 n/a






Conforming High Balance FNMA Fixed Rate ProductsHigh Balance 30 Yr Fixed (WCHB30-000) High Balance 25 Yr Fixed (WCHB25-000)

High Balance 20 Yr Fixed (WCHB20-000) High Balance 15 Yr Fixed (WCHB15-000) High Balance 10 Yr Fixed (WCHB10-000)

LLPAs (Loan Level Price Adjustments) Are Not Guidelines - Please follow standard FNMA requirements as applicableFeature Adjustments Fixed

Purchase or Rate/Term Refinance - All LTV's2 Unit Property3-4 Unit PropertyCondominiums (Loan Terms > 15 Years)Investment PropertyNew York State Adjustment


Cash out Refinance Adjustments (all loan terms)Cash Out Refinance 740+Cash Out Refinance 720 - 739Cash Out Refinance 700 - 719Cash Out Refinance 680 - 699Cash Out Refinance 660 - 679Cash Out Refinance 640 - 659Cash Out Refinance 620 - 639Cash Out - ALL HIGH BALANCE (cumulative with above) 1.000

Secondary Financing LLPAs

0.500


76.01% - 90.00% 1.000 0.750

<=65% 80.01% - 95.00% 0.500 0.25065.01% - 75.00% 80.01% - 95.00% 0.750

<=95% 95.01% - 97.00% 1.500These LLPAs do not apply if the secondary financing is a Community Seconds loan.


75.01% - 95.00% 90.01% - 95.00% 1.000 0.75075.01% - 90.00%

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3.500 5.568 5.683 5.767 5.846 5.942 3.750 4.431 4.546 4.630 4.709 5.6013.625 4.679 4.794 4.878 4.957 5.053 3.875 3.785 3.900 3.984 4.063 4.7493.750 3.931 4.046 4.130 4.209 4.305 4.000 3.155 3.270 3.354 3.433 4.0053.875 3.285 3.400 3.484 3.563 3.659 4.125 2.411 2.526 2.610 2.689 3.3413.990 3.481 3.577 3.718 3.809 3.914 4.250 1.770 1.885 1.969 2.048 2.9464.000 2.655 2.770 2.854 2.933 3.029 4.375 1.179 1.294 1.378 1.457 2.5544.125 1.292 1.433 1.508 1.594 2.285 4.500 0.721 0.836 0.920 0.999 2.0554.250 1.270 1.385 1.469 1.548 1.644 4.625 0.054 0.169 0.253 0.332 1.4734.375 0.679 0.794 0.878 0.957 1.053 4.750 -0.527 -0.412 -0.328 -0.249 1.4194.490 0.886 0.989 1.137 1.230 1.335 4.875 -1.036 -0.921 -0.837 -0.758 0.9284.500 0.221 0.336 0.420 0.499 0.595 5.000 -1.126 -1.011 -0.927 -0.848 0.5044.625 -0.446 -0.331 -0.247 -0.168 -0.072 5.125 -1.721 -1.606 -1.522 -1.443 -0.0144.750 -1.027 -0.912 -0.828 -0.749 -0.653 5.250 -2.267 -2.152 -2.068 -1.989 4.875 -1.536 -1.421 -1.337 -1.258 -1.162 4.990 -1.412 -1.302 -1.146 -1.052 -0.947 5.000 -1.626 -1.511 -1.427 -1.348 -1.252 5.125 -2.221 -2.106 -2.022 -1.943 -1.847 5.250 -2.767 -2.652 -2.568 -2.489 -2.393


3.500 6.068 6.183 6.267 6.346 7.105 2.750 4.870 5.557 4.926 4.980 5.058 2.750 4.045 4.145 4.192 4.239 5.7913.625 5.179 5.294 5.378 5.457 6.343 2.875 4.397 5.635 4.454 4.508 4.585 2.875 3.559 3.659 3.706 3.753 4.9653.750 4.431 4.546 4.630 4.709 5.601 3.000 3.912 3.969 4.023 4.101 3.125 3.766 3.891 4.016 4.141 4.3293.875 3.785 3.900 3.984 4.063 4.749 3.125 3.486 3.543 3.597 3.674 3.250 3.067 3.192 3.317 3.442 3.6304.000 3.155 3.270 3.354 3.433 4.005 3.250 3.025 5.032 3.090 3.152 3.245 3.375 2.644 2.769 2.894 3.019 3.2074.125 2.411 2.526 2.610 2.689 3.341 3.375 2.581 4.206 2.646 2.708 2.801 3.500 2.199 2.324 2.449 2.574 2.7624.250 1.770 1.885 1.969 2.048 2.946 3.500 2.140 3.739 2.205 2.267 2.361 3.625 1.674 1.799 1.924 2.049 2.2374.375 1.179 1.294 1.378 1.457 2.554 3.625 1.728 3.329 1.792 1.855 1.948 3.750 1.090 1.215 1.340 1.465 1.6534.500 0.721 0.836 0.920 0.999 2.055 3.750 1.345 2.708 1.426 1.504 1.629 3.875 0.589 0.714 0.839 0.964 1.1524.625 0.054 0.169 0.253 0.332 1.473 3.875 0.889 2.434 0.970 1.048 1.172 4.000 0.160 0.285 0.410 0.535 0.7234.750 -0.527 -0.412 -0.328 -0.249 1.419 4.000 0.442 1.899 0.523 0.601 0.726 4.125 -0.324 -0.199 -0.074 0.051 0.2394.875 -1.036 -0.921 -0.837 -0.758 0.928 4.125 0.032 1.464 0.113 0.192 0.316 4.250 -0.848 -0.723 -0.598 -0.473 -0.2855.000 -1.126 -1.011 -0.927 -0.848 0.504 4.250 -0.103 0.867 -0.022 0.056 0.180 5.125 -1.721 -1.606 -1.522 -1.443 -0.014 5.250 -2.267 -2.152 -2.068 -1.989

<=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-970.250 0.250 0.250 0.250 0.250 0.250 0.250 0.250 n/a1.000 1.000 1.000 1.000 1.000 1.000 n/a n/a n/a1.000 1.000 1.000 1.000 1.000 n/a n/a n/a n/a0.000 0.000 0.000 0.000 0.750 0.750 0.750 0.750 n/a0.000 0.000 0.000 0.000 0.000 0.000 0.250 n/a n/a2.125 2.125 2.125 2.125 3.375 4.125 n/a n/a n/a0.250 0.250 0.250 0.250 0.250 0.250 0.250 0.250 n/a

0.000 0.250 0.250 0.250 0.500 0.250 0.250 0.250 n/a0.000 0.250 0.250 0.500 0.750 0.500 0.500 0.500 n/a0.000 0.500 0.500 1.000 1.250 1.000 1.000 1.000 n/a0.000 0.500 0.500 1.250 1.750 1.500 1.250 1.250 n/a0.000 1.000 1.000 2.250 2.750 2.750 2.250 2.250 n/a0.500 1.250 1.250 2.750 3.000 3.250 2.750 2.750 n/a0.500 1.500 1.500 3.000 3.000 3.250 3.250 3.250 n/a






Super Conforming FHLMC LP Fixed Rate ProductsSuper Conforming 30 Yr Fixed (WSC30-000) Super Conforming 25 Yr Fixed (WSC25-000)

Super Conforming 20 Yr Fixed (WSC20-000) Super Conforming 15 Yr Fixed (WSC15-000) Super Conforming 10 Yr Fixed (WSC10-000)

LLPAs (Loan Level Price Adjustments) Are Not Guidelines - Please follow standard FHLMC requirements as applicable

Feature Adjustments FixedPurchase or Rate/Term Refinance - All LTV's2 Unit Property3-4 Unit PropertyCondominiums (Loan Terms > 15 Years)Second HomeInvestment PropertyNew York State Adjustment


Cash out Refinance Adjustments (all loan terms)Cash Out Refinance 740+Cash Out Refinance 720 - 739Cash Out Refinance 700 - 719Cash Out Refinance 680 - 699Cash Out Refinance 660 - 679Cash Out Refinance 640 - 659Cash Out Refinance 620 - 639Cash Out - ALL HIGH BALANCE (cumulative with above) 1.000


LTV Range TLTV Range Credit Score < 720 Credit Score >= 720<=75% <=80% 0.375 0.375<=65% 80.01% - 95.00% 0.875 0.62565.01% - 75.00% 80.01% - 95.00% 1.125 0.87575.01% - 95.00% 75.01% - 95.00% 1.375 1.125


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2.750 3.452 3.515 3.627 3.690 3.990 3.500 1.220 1.220 1.363 1.506 1.821 2.875 4.432 4.557 4.682 4.807 2.875 3.158 3.221 3.333 3.396 3.696 3.625 0.827 0.827 0.970 1.113 1.356 3.000 4.059 4.184 4.309 4.434 5.0092.990 2.541 2.666 2.791 2.916 3.750 0.465 0.465 0.608 0.751 0.893 3.125 3.685 3.810 3.935 4.060 4.5023.000 2.834 2.897 3.009 3.072 3.372 3.875 0.112 0.112 0.255 0.351 0.430 3.250 3.210 3.335 3.460 3.585 4.2303.125 2.105 2.230 2.355 2.480 3.056 4.000 -0.329 -0.251 -0.185 -0.110 -0.031 3.375 2.735 2.860 2.985 3.110 3.8003.250 1.747 1.872 1.997 2.122 2.711 4.125 -0.790 -0.712 -0.646 -0.571 -0.492 3.490 3.440 3.560 3.650 3.720 3.8203.375 1.388 1.513 1.638 1.763 2.376 4.250 -1.098 -1.020 -0.954 -0.879 -0.800 3.500 2.257 2.382 2.507 2.632 3.3793.490 1.900 2.020 2.110 2.180 4.375 -1.557 -1.479 -1.413 -1.338 -1.259 3.625 1.780 1.905 2.030 2.155 2.9483.500 1.044 1.169 1.294 1.419 2.060 4.500 -2.013 -1.935 -1.869 -1.794 -1.715 3.750 1.305 1.430 1.555 1.680 2.5243.625 0.701 0.826 0.951 1.076 1.754 4.625 -2.338 -2.260 -2.194 -2.119 -2.040 3.875 0.834 0.959 1.084 1.209 2.1023.750 0.372 0.497 0.622 0.747 1.438 4.750 -2.761 -2.683 -2.617 -2.542 -2.463 3.990 1.438 1.558 1.648 1.718 1.8183.875 0.041 0.166 0.291 0.416 1.131 4.875 -0.857 -2.414 -2.271 -2.128 4.000 0.389 0.514 0.639 0.764 1.780 4.125 -0.050 0.075 0.200 0.325 1.317 4.250 -0.369 -0.244 -0.119 0.006 0.863

Rate 12-Day 21-Day 30-Day 45-Day 60-Day Rate 12-Day 21-Day 30-Day 45-Day 60-Day Rate 12-Day 21-Day 30-Day 45-Day

2.750 4.913 4.991 5.057 5.132 3.000 2.607 2.732 2.857 2.982 3.250 2.710 2.835 2.960 3.085 2.875 4.505 4.583 4.649 4.724 3.125 2.223 2.348 2.473 2.598 3.375 2.235 2.360 2.485 2.610 2.990 2.041 2.166 2.291 2.416 3.250 1.818 1.943 2.068 2.193 3.500 1.757 1.882 2.007 2.132 3.000 4.104 4.182 4.248 4.323 3.375 1.412 1.537 1.662 1.787 3.625 1.280 1.405 1.530 1.655 3.125 1.605 1.730 1.855 1.980 3.500 1.025 1.150 1.275 1.400 3.750 0.805 0.930 1.055 1.180 3.250 1.247 1.372 1.497 1.622 3.625 0.641 0.766 0.891 1.016 2.530 3.875 0.334 0.459 0.584 0.709 3.375 0.888 1.013 1.138 1.263 3.750 0.255 0.380 0.505 0.630 2.130 4.000 -0.111 0.014 0.139 0.264 3.500 0.544 0.669 0.794 0.919 3.875 -0.131 -0.006 0.119 0.244 1.729 4.125 -0.550 -0.425 -0.300 -0.175 3.625 0.201 0.326 0.451 0.576 4.000 0.626 0.751 0.876 1.001 1.376 4.250 -0.869 -0.744 -0.619 -0.494 3.750 -0.128 -0.003 0.122 0.247 4.125 0.281 0.406 0.531 0.656 1.031 4.375 -1.191 -1.066 -0.941 -0.816 3.875 -0.459 -0.334 -0.209 -0.084 4.250 -0.051 0.074 0.199 0.324 0.699 4.500 -1.557 -1.432 -1.307 -1.182 4.000 1.069 1.147 1.213 1.288 4.375 -0.382 -0.257 -0.132 -0.007 0.368 4.625 -1.911 -1.786 -1.661 -1.536

<=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-971.000 1.000 1.000 1.000 1.000* 1.000* n/a n/a n/a1.000 1.000 1.000* 1.000* 1.000* n/a n/a n/a n/a0.000 0.000 0.000 0.000 0.750 0.750 0.750 0.750* n/a0.250 0.250 0.250 0.250 0.250 0.250 0.250 n/a n/a0.000 0.000 0.000 0.000 0.000 0.000 0.250* n/a n/a2.125 2.125 2.125 2.125 3.375* 4.125* n/a n/a n/a0.250 0.250 0.250 0.250 0.250 0.250 0.250 0.250 n/a

0.000 0.250 0.250 0.250 0.500 0.250 0.250 0.500* n/a0.000 0.250 0.250 0.500 0.750 0.500 0.500 0.750* n/a0.000 0.500 0.500 1.000 1.250 1.000 1.000 1.250* n/a0.000 0.500 0.500 1.250 1.750 1.500 1.250 1.500* n/a0.000 1.000 1.000 2.250 2.750 2.750 2.250 2.500* n/a0.500 1.250 1.250 2.750 3.000 3.250 2.750 3.000* n/a0.500 1.500 1.500 3.000 3.000 3.250 3.250 3.500* n/a






Standard Conforming ARMs - FNMA and FHLMCConforming 5/1 LIBOR ARM (WC51L-000) Conforming 7/1 LIBOR ARM (WC71L-000) Conforming 10/1 LIBOR ARM (WC101L-000)FNMA 5/1 LIBOR | Margin 2.25 - 2/2/5 Caps FNMA 7/1 LIBOR | Margin 2.25 - 5/2/5 Caps FNMA 10/1 LIBOR | Margin 2.25 - 5/2/5 Caps

Conforming FHLMC 5/1 Libor ARM (WC51LLP-000) Conforming FHLMC 7/1 LIBOR ARM (WC71LLP-000) Conforming FHLMC 10/1 LIBOR ARM (WC101LLP-000)FHLMC 5/1 LIBOR | Margin 2.25 - 2/2/5 Caps FHLMC 7/1 LIBOR | Margin 2.25 - 5/2/5 Caps FHLMC 10/1 LIBOR | Margin 2.25 - 5/2/5 Caps

LLPAs (Loan Level Price Adjustments) Are Not Guidelines - Please follow standard FNMA/FHLMC requirements as applicableFeature Adjustments ARM

2 Unit Property3-4 Unit PropertyCondominiums (Loan Terms > 15 Years, All LTV's for LP)Escrow Waiver (>80% LTV FNMA Only Unless CA) (89.99% Max LTV in CA)Second HomeInvestment PropertyNew York State Adjustment

*FHLMC Products OnlyFICO Adjustments (All Transactions Types)

740+720 - 739700 - 719680 - 699660 - 679640 - 659620 - 639

*FHLMC Products OnlyCash Out Refinance Adjustments (all loan terms)

Cash Out Refinance 740+Cash Out Refinance 720 - 739Cash Out Refinance 700 - 719Cash Out Refinance 680 - 699Cash Out Refinance 660 - 679Cash Out Refinance 640 - 659Cash Out Refinance 620 - 639

Secondary Financing LLPAs - FNMA ProductsAll loans with secondary financing 0.375 This fee is in addition to the fees below based on FICO and LTV/CLTV

LTV Range TLTV Range Credit Score < 720 Credit Score >= 720<=65% 80.01% - 95.00% 0.500 0.25065.01% - 75.00% 80.01% - 95.00% 0.750 0.50075.01% - 95.00% 90.01% - 95.00% 1.000 0.75075.01% - 90.00% 76.01% - 90.00% 1.000 0.750<=95% 95.01% - 97.00% 1.500

These LLPAs do not apply if the secondary financing is a Community Seconds loan.Secondary Financing LLPAs - FHLMC Products



65.01% - 75.00% 80.01% - 95.00% 1.125 0.87575.01% - 95.00% 75.01% - 95.00% 1.375 1.125

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3.000 3.552 3.672 3.762 3.832 2.875 4.670 4.732 4.845 4.907 3.000 4.659 4.784 4.909 5.0343.125 2.705 2.830 2.955 3.080 3.000 3.707 3.832 3.957 4.082 3.125 4.285 4.410 4.535 4.6603.250 2.347 2.472 2.597 2.722 3.125 3.323 3.448 3.573 3.698 3.250 3.810 3.935 4.060 4.1853.375 1.988 2.113 2.238 2.363 3.250 2.918 3.043 3.168 3.293 3.375 3.335 3.460 3.585 3.7103.490 2.090 2.210 2.300 2.370 3.375 2.512 2.637 2.762 2.887 3.490 3.240 3.360 3.450 3.5203.500 1.644 1.769 1.894 2.019 3.490 2.275 2.395 2.485 2.555 3.500 2.857 2.982 3.107 3.2323.625 1.301 1.426 1.551 1.676 3.500 2.125 2.250 2.375 2.500 3.625 2.380 2.505 2.630 2.7553.750 0.972 1.097 1.222 1.347 3.625 1.741 1.866 1.991 2.116 3.750 1.905 2.030 2.155 2.2803.875 0.641 0.766 0.891 1.016 3.750 1.355 1.480 1.605 1.730 3.875 1.434 1.559 1.684 1.8093.990 0.688 0.808 0.898 0.968 3.875 0.969 1.094 1.219 1.344 3.990 1.238 1.358 1.448 1.5184.000 0.394 0.519 0.644 0.769 3.990 0.781 0.901 0.991 1.061 4.000 0.989 1.114 1.239 1.3644.125 0.154 0.279 0.404 0.529 4.000 0.626 0.751 0.876 1.001 4.125 0.550 0.675 0.800 0.925 4.250 0.231 0.356 0.481 0.563


1.250 9.421 9.389 9.357 9.324 1.250 11.687 11.656 11.625 11.595 1.250 12.757 12.727 12.697 12.6671.375 9.061 9.033 9.005 8.978 1.375 11.271 11.244 11.218 11.192 1.375 12.291 12.265 12.239 12.2141.500 8.695 8.671 8.648 8.625 1.500 10.844 10.822 10.800 10.779 1.500 11.812 11.791 11.770 11.7491.625 8.328 8.310 8.291 8.273 1.625 10.417 10.400 10.383 10.366 1.625 11.334 11.317 11.300 11.2841.750 8.139 8.125 8.111 8.097 1.750 10.262 10.249 10.237 10.224 1.750 11.088 11.076 11.064 11.0521.875 7.833 7.824 7.814 7.805 1.875 9.928 9.920 9.912 9.903 1.875 10.689 10.682 10.674 10.6662.000 7.351 7.346 7.341 7.336 2.000 9.323 9.319 9.315 9.311 2.000 10.057 10.054 10.051 10.0472.125 6.868 6.868 6.867 6.867 2.125 8.717 8.718 8.718 8.719 2.125 9.425 9.426 9.428 9.4292.250 6.163 6.167 6.171 6.175 2.250 7.791 7.796 7.801 7.806 2.250 8.510 8.515 8.521 8.5262.375 5.604 5.613 5.622 5.631 2.375 7.076 7.085 7.095 7.105 2.375 7.781 7.791 7.801 7.8112.500 5.269 5.282 5.295 5.309 2.500 6.681 6.695 6.710 6.724 2.500 7.336 7.350 7.365 7.3792.625 4.933 4.951 4.969 4.987 2.625 6.287 6.305 6.324 6.343 2.625 6.891 6.910 6.929 6.9482.750 4.598 4.621 4.643 4.666 2.750 5.897 5.920 5.943 5.967 2.750 6.451 6.475 6.498 6.5222.875 4.263 4.290 4.317 4.344 2.875 5.504 5.531 5.559 5.587 2.875 6.008 6.036 6.064 6.0923.000 3.926 3.958 3.989 4.021 3.000 5.106 5.139 5.171 5.204 3.000 5.559 5.591 5.624 5.6573.125 3.589 3.625 3.662 3.698 3.125 4.709 4.746 4.783 4.820 3.125 5.109 5.146 5.184 5.221

<=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-970.750 0.750 0.750 0.750 1.500 1.500 1.500 1.500 n/a0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.250* n/a0.250 0.250 0.250 0.250 0.250 0.250 0.250 0.250 n/a1.000* 1.000* 1.000* 1.000* 1.750* 1.750* 1.750* 1.750* n/a1.000 1.000 1.000 1.000 1.000* 1.000* n/a n/a n/a1.000 1.000 1.000* 1.000* 1.000* n/a n/a n/a n/a0.000 0.000 0.000 0.000 0.750 0.750 0.750 0.750 n/a0.250 0.250 0.250 0.250 0.250 0.250 0.250 n/a n/a0.000 0.000 0.000 0.000 0.000 0.000 0.250* n/a n/a2.125 2.125 2.125 2.125 3.375* 4.125* n/a n/a n/a0.250 0.250 0.250 0.250 0.250 0.250 0.250 0.250 n/a

0.000 0.250 0.250 0.250 0.500 0.250 0.250 0.250 n/a0.000 0.250 0.250 0.500 0.750 0.500 0.500 0.500 n/a0.000 0.500 0.500 1.000 1.250 1.000 1.000 1.000 n/a0.000 0.500 0.500 1.250 1.750 1.500 1.250 1.250 n/a0.000 1.000 1.000 2.250 2.750 2.750 2.250 2.250 n/a0.500 1.250 1.250 2.750 3.000 3.250 2.750 2.750 n/a0.500 1.500 1.500 3.000 3.000 3.250 3.250 3.250 n/a

0.375 0.625 0.625 0.625 0.875 n/a n/a n/a n/a0.375 1.000 1.000 1.000 1.125 n/a n/a n/a n/a0.375 1.000 1.000 1.000 1.125 n/a n/a n/a n/a0.375 1.125 1.125 1.125 1.750 n/a n/a n/a n/a0.625 1.125 1.125 1.125 1.875 n/a n/a n/a n/a0.625 1.625 1.625 1.625 2.625 n/a n/a n/a n/a0.625 1.625 1.625 1.625 3.125 n/a n/a n/a n/a1.000 1.000 1.000 1.000 1.000 n/a n/a n/a n/a1.750 1.750 1.750 1.750 2.500 n/a n/a n/a n/a





Standard High Balance and Super Conforming ARM Products (DU/LP)High Balance 5/1 Libor ARM (WCHB51L-000) High Balance 7/1 Libor ARM (WCHB71L-000) High Balance 10/1 Libor ARM (WCHB101L-000)

DU 5/1 LIBOR | Margin 2.25 - 2/2/5 Caps DU 7/1 LIBOR | Margin 2.25 - 5/2/5 Caps DU 10/1 LIBOR | Margin 2.25 - 5/2/5 Caps

5/1 Arm - Super Conforming (WSC51L-000) 7/1 Arm - Super Conforming (WSC71L-000) 10/1 Arm - Super Conforming (WSC101L-000)LP 5/1 LIBOR | Margin 2.25 - 2/2/5 Caps LP 7/1 LIBOR | Margin 2.25 - 5/2/5 Caps LP 10/1 LIBOR | Margin 2.25 - 5/2/5 Caps

LLPAs (Loan Level Price Adjustments) Are Not Guidelines - Please follow standard FNMA/FHLMC requirements as applicableFeature Adjustments ARM

All High Balance/Super Conforming ARM ProductsAll Super Conforming ARM ProductsPurchase or Rate/Term Refinance - High Balance OnlyPurchase or Rate/Term Refinance - Super Conforming Only2 Unit Property3-4 Unit PropertyCondominiums (Loan Terms > 15 Years)Escrow Waiver (High Balance Only)Second HomeInvestment PropertyNew York State Adjustment

*Super Conforming Products OnlyFICO Adjustments (All Transactions Types)

740+720 - 739700 - 719680 - 699660 - 679640 - 659620 - 639

Cash out Refinance Adjustments (All Loan Terms)Cash Out Refinance 740+Cash Out Refinance 720 - 739Cash Out Refinance 700 - 719Cash Out Refinance 680 - 699Cash Out Refinance 660 - 679Cash Out Refinance 640 - 659Cash Out Refinance 620 - 639Cash Out - HIGH BALANCE ONLY (cumulative w/ above)Cash Out - SUPER CONFORMING ONLY (cumulative w/ above)

Secondary Financing LLPAs - High Balance ProductsAll loans with secondary financing 0.375 This fee is in addition to the fees below based on FICO and LTV/CLTV

LTV Range TLTV Range Credit Score < 720 Credit Score >= 720<=65% 80.01% - 90.00% 0.500 0.25065.01% - 75.00% 80.01% - 90.00% 0.750 0.50075.01% - 90.00% 90.01% - 90.00% 1.000 0.75075.01% - 90.00% 76.01% - 90.00% 1.000 0.750

These LLPAs do not apply if the secondary financing is a Community Seconds loan.Secondary Financing LLPAs - Super Conforming Products



65.01% - 75.00% 80.01% - 95.00% 1.125 0.87575.01% - 95.00% 75.01% - 95.00% 1.375 1.125

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Rate 12-Day 21-Day 30-Day 45-Day Rate 12-Day 21-Day 30-Day 45-Day Rate 12-Day 21-Day 30-Day 45-Day3.500 5.727 5.875 5.968 6.073 3.500 5.727 5.875 5.968 6.073 3.500 5.727 5.875 5.968 6.0733.625 4.828 4.976 5.069 5.174 3.625 4.828 4.976 5.069 5.174 3.625 4.828 4.976 5.069 5.1743.750 4.086 4.234 4.327 4.432 3.750 4.086 4.234 4.327 4.432 3.750 4.086 4.234 4.327 4.4323.875 3.486 3.634 3.727 3.832 3.875 3.486 3.634 3.727 3.832 3.875 3.486 3.634 3.727 3.8323.990 2.775 2.923 3.016 3.121 3.990 2.775 2.923 3.016 3.121 3.990 2.775 2.923 3.016 3.1214.000 2.713 2.861 2.954 3.059 4.000 2.713 2.861 2.954 3.059 4.000 2.713 2.861 2.954 3.0594.125 1.936 2.084 2.177 2.282 4.125 1.936 2.084 2.177 2.282 4.125 1.936 2.084 2.177 2.2824.250 1.293 1.441 1.534 1.638 4.250 1.293 1.441 1.534 1.638 4.250 1.293 1.441 1.534 1.6384.375 0.768 0.916 1.009 1.113 4.375 0.768 0.916 1.009 1.113 4.375 0.768 0.916 1.009 1.1134.490 0.137 0.285 0.378 0.482 4.490 0.137 0.285 0.378 0.482 4.490 0.137 0.285 0.378 0.4824.500 0.082 0.230 0.323 0.427 4.500 0.082 0.230 0.323 0.427 4.500 0.082 0.230 0.323 0.4274.625 -0.596 -0.447 -0.355 -0.250 4.625 -0.596 -0.447 -0.355 -0.250 4.625 -0.596 -0.447 -0.355 -0.2504.750 -1.169 -1.021 -0.928 -0.824 4.750 -1.169 -1.021 -0.928 -0.824 4.750 -1.169 -1.021 -0.928 -0.8244.875 -1.628 -1.480 -1.387 -1.282 4.875 -1.628 -1.480 -1.387 -1.282 4.875 -1.628 -1.480 -1.387 -1.2824.990 -2.071 -1.923 -1.830 -1.725 4.990 -2.071 -1.923 -1.830 -1.725 4.990 -2.071 -1.923 -1.830 -1.7255.000 -2.109 -1.961 -1.868 -1.764 5.000 -2.109 -1.961 -1.868 -1.764 5.000 -2.109 -1.961 -1.868 -1.7645.125 -2.812 -2.664 -2.571 -2.467 5.125 -2.812 -2.664 -2.571 -2.467 5.125 -2.812 -2.664 -2.571 -2.4675.250 -3.365 -3.217 -3.124 -3.019 5.250 -3.365 -3.217 -3.124 -3.019 5.250 -3.365 -3.217 -3.124 -3.019

Rate 12-Day 21-Day 30-Day 45-Day Rate 12-Day 21-Day 30-Day 45-Day Rate 12-Day 21-Day 30-Day 45-Day2.750 5.439 5.566 5.647 5.755 2.750 5.439 5.566 5.647 5.755 3.625 6.317 6.465 6.558 6.6632.875 4.877 5.004 5.085 5.193 2.875 4.877 5.004 5.085 5.193 3.750 5.542 5.690 5.783 5.8882.990 4.395 4.522 4.603 4.711 2.990 4.395 4.522 4.603 4.711 3.875 4.911 5.059 5.152 5.2573.000 4.353 4.480 4.561 4.670 3.000 4.353 4.480 4.561 4.670 3.990 4.386 4.534 4.627 4.7323.125 3.775 3.902 3.983 4.091 3.125 3.775 3.902 3.983 4.091 4.000 4.341 4.489 4.582 4.6863.250 3.285 3.419 3.504 3.613 3.250 3.285 3.419 3.504 3.613 4.125 3.603 3.751 3.844 3.9483.375 2.763 2.897 2.982 3.090 3.375 2.763 2.897 2.982 3.090 4.250 2.905 3.053 3.146 3.2513.490 2.294 2.428 2.513 2.622 3.490 2.294 2.428 2.513 2.622 4.375 2.354 2.502 2.595 2.7003.500 2.253 2.387 2.473 2.581 3.500 2.253 2.387 2.473 2.581 4.490 1.864 2.012 2.105 2.2103.625 1.733 1.867 1.952 2.060 3.625 1.733 1.867 1.952 2.060 4.500 1.821 1.969 2.062 2.1673.750 1.331 1.479 1.573 1.681 3.750 1.331 1.479 1.573 1.681 4.625 1.072 1.220 1.313 1.4183.875 0.813 0.961 1.055 1.163 3.875 0.813 0.961 1.055 1.163 4.750 0.446 0.594 0.687 0.7913.990 0.339 0.488 0.581 0.690 3.990 0.339 0.488 0.581 0.690 4.875 -0.047 0.102 0.194 0.2994.000 0.298 0.446 0.540 0.648 4.000 0.298 0.446 0.540 0.648 4.990 -0.484 -0.336 -0.243 -0.1384.125 -0.204 -0.056 0.038 0.146 4.125 -0.204 -0.056 0.038 0.146 5.000 -0.522 -0.374 -0.281 -0.1764.250 -0.504 -0.356 -0.263 -0.154 4.250 -0.504 -0.356 -0.263 -0.154 5.125 -0.984 -0.836 -0.743 -0.6394.375 -0.767 -0.618 -0.525 -0.416 4.375 -0.767 -0.618 -0.525 -0.416 5.250 -1.344 -1.196 -1.103 -0.9984.500 -1.358 -1.210 -1.117 -1.008 4.500 -1.358 -1.210 -1.117 -1.008 5.375 -1.675 -1.527 -1.434 -1.329

Rate 12-Day 21-Day 30-Day 45-Day Rate 12-Day 21-Day 30-Day 45-Day Rate 12-Day 21-Day 30-Day 45-Day3.625 6.317 6.465 6.558 6.663 3.625 6.317 6.465 6.558 6.663 2.750 6.182 6.309 6.389 6.4983.750 5.542 5.690 5.783 5.888 3.750 5.542 5.690 5.783 5.888 2.875 5.650 5.777 5.858 5.9663.875 4.911 5.059 5.152 5.257 3.875 4.911 5.059 5.152 5.257 2.990 5.155 5.282 5.362 5.4713.990 4.386 4.534 4.627 4.732 3.990 4.386 4.534 4.627 4.732 3.000 5.111 5.238 5.319 5.4284.000 4.341 4.489 4.582 4.686 4.000 4.341 4.489 4.582 4.686 3.125 4.667 4.794 4.875 4.9834.125 3.603 3.751 3.844 3.948 4.125 3.603 3.751 3.844 3.948 3.250 4.447 4.574 4.655 4.7634.250 2.905 3.053 3.146 3.251 4.250 2.905 3.053 3.146 3.251 3.375 4.026 4.160 4.245 4.3534.375 2.354 2.502 2.595 2.700 4.375 2.354 2.502 2.595 2.700 3.490 3.573 3.707 3.792 3.9014.490 1.864 2.012 2.105 2.210 4.490 1.864 2.012 2.105 2.210 3.500 3.534 3.668 3.753 3.8614.500 1.821 1.969 2.062 2.167 4.500 1.821 1.969 2.062 2.167 3.625 3.122 3.256 3.341 3.4504.625 1.072 1.220 1.313 1.418 4.625 1.072 1.220 1.313 1.418 3.750 2.859 2.993 3.078 3.1874.750 0.446 0.594 0.687 0.791 4.750 0.446 0.594 0.687 0.791 3.875 2.571 2.705 2.791 2.8994.875 -0.047 0.102 0.194 0.299 4.875 -0.047 0.102 0.194 0.299 3.990 2.236 2.383 2.476 2.5844.990 -0.484 -0.336 -0.243 -0.138 4.990 -0.484 -0.336 -0.243 -0.138 4.000 2.207 2.355 2.449 2.5575.000 -0.522 -0.374 -0.281 -0.176 5.000 -0.522 -0.374 -0.281 -0.176 4.125 1.808 1.956 2.050 2.1595.125 -0.984 -0.836 -0.743 -0.639 5.125 -0.984 -0.836 -0.743 -0.639 4.250 1.596 1.744 1.838 1.9465.250 -1.344 -1.196 -1.103 -0.998 5.250 -1.344 -1.196 -1.103 -0.998 4.375 1.416 1.564 1.657 1.7665.375 -1.675 -1.527 -1.434 -1.329 5.375 -1.675 -1.527 -1.434 -1.329 4.500 0.929 1.077 1.171 1.279

620-639 640-659 660-679 680-699 700-719 720-739 740-759 760+3.250 3.250 2.750 1.500 1.000 0.500 0.250 0.2503.250 2.750 2.250 1.250 1.000 0.500 0.250 0.2503.250 2.750 2.250 1.250 1.000 0.500 0.250 0.2503.500 2.750 2.250 1.500 1.500 1.000 0.750 0.750

620-639 640-659 660-679 680-699 700-719 720-739 740-759 760+2.100 1.800 1.500 1.200 0.900 0.750 0.660 0.6001.350 1.270 1.230 0.700 0.600 0.490 0.390 0.3601.050 0.840 0.690 0.540 0.420 0.300 0.240 0.150

n/a n/a n/a n/a n/a 1.330 1.190 1.0200.720 0.710 0.690 0.580 0.530 0.490 0.470 0.4301.470 1.430 1.400 1.100 0.950 0.840 0.720 0.5902.910 2.770 2.660 2.080 1.740 1.500 1.240 0.9504.830 4.530 4.260 3.290 2.700 2.280 1.840 1.3701.620 1.570 1.520 1.130 0.970 0.830 0.720 0.5904.420 4.220 4.060 3.010 2.490 2.080 1.680 1.2005.830 5.480 5.160 3.940 3.210 2.750 2.220 1.6008.530 7.830 7.220 5.480 4.420 3.730 2.980 2.1600.250 0.250 0.250 0.250 0.250 0.250 0.250 0.250





Lender Paid Mortgage Insurance (LPMI)Conforming 30 Yr Fixed LPMI (WC30LPMI-000) Conforming 25 Yr Fixed LPMI (WC25LPMI-000) Conforming 20 Yr Fixed LPMI (WC20LPMI-000)

Conforming 15 Yr Fixed LPMI (WC15LPMI-000) Conforming 10 Yr Fixed LPMI (WC10LPMI-000) High Balance Conf 30 Yr Fixed LPMI (WCHB30LPMI-000)

High Balance Conf 25 Yr Fixed LPMI (WCHB25LPMI-000) High Balance Conf 20 Yr Fixed LPMI (WCHB20LPMI-000) High Balance Conf 10 Yr Fixed LPMI (WCHB10LPMI-000)

Pricing Cap - Ratesheets Are Not GuidelinesMaximum Price (Pre-Comp): 104 / $12,000

LLPAs (Loan Level Price Adjustments) - Ratesheets Are Not GuidelinesDescription Conf 10/15 Yr Conf 20/25/30 Yr High Balance

Loan Amount <$100,000 (Exempt From Cap) 0.250 0.250 n/aFICO <660 & LTV >90% (Exempt From Cap) 0.000 0.500 0.500Waive Escrows (Exempt From Cap, California Only, 89.99 Max LTV) 0.125 0.125 0.1252 Units 1.000 1.000 1.000Condo (Detatched Condo N/A) 0.000 0.750 0.750Investment Property 4.250 4.250 4.250High Balance n/a n/a 0.250Subordinate Financing (Cumulative with Secondary Financing LLPAs below) 0.375 0.375 0.375Secondary Financing: CLTV <=95% & FICO <720 1.000 1.000 1.000Secondary Financing: CLTV <=95% & FICO >=720 0.750 0.750 0.750Secondary Financing: CLTV >95% 1.500 1.500 1.500

Additional LLPAsDescription / FICO

LTV 80.01-85%LTV 85.01-90%LTV 90.01-95%LTV 95.01-97%

Additional LLPAs - Exempt From Adjustment CapDescription / FICO

Loan Amount >$650,000Second HomeRate/Term RefinanceInvestment Property10/15/20 Yr Term, LTV 80.01-85%10/15/20 Yr Term, LTV 85.01-90%

New York State AdjustmentLock Extension Fee: 2.5 BPS Per Day

10/15/20 Yr Term, LTV 90.01-95%10/15/20 Yr Term, LTV 95.01-97%25/30 Yr Term, LTV 80.01-85%25/30 Yr Term, LTV 85.01-90%25/30 Yr Term, LTV 90.01-95%25/30 Yr Term, LTV 95.01-97%

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3.500 6.044 6.109 6.171 6.288 3.625 3.504 3.585 3.656 3.773 2.500 6.507 6.572 6.636 6.7613.625 5.157 5.221 5.283 5.401 3.750 2.705 2.786 2.857 2.975 2.625 6.042 6.107 6.171 6.2953.750 4.405 4.470 4.532 4.650 3.875 1.960 2.041 2.111 2.229 2.750 4.975 5.016 5.056 5.1343.875 3.667 3.732 3.794 3.912 4.000 1.308 1.389 1.459 1.577 2.875 4.438 4.479 4.519 4.5964.000 2.857 2.922 2.984 3.102 4.125 0.685 0.765 0.836 0.954 3.000 3.893 3.933 3.973 4.0514.125 2.086 2.151 2.213 2.330 4.250 0.078 0.175 0.261 0.409 3.125 3.319 3.359 3.400 3.4774.250 1.417 1.482 1.544 1.661 4.375 -0.483 -0.386 -0.300 -0.153 3.250 2.950 2.999 3.047 3.1404.375 0.861 0.926 0.987 1.105 4.500 -1.216 -1.119 -1.033 -0.886 3.375 2.408 2.457 2.505 2.5984.500 0.133 0.214 0.291 0.438 4.625 -1.822 -1.725 -1.639 -1.491 3.500 1.869 1.917 1.966 2.0594.625 -0.601 -0.520 -0.443 -0.296 4.750 -2.293 -2.196 -2.110 -1.963 3.625 1.313 1.362 1.410 1.5034.750 -1.222 -1.142 -1.064 -0.917 4.875 -2.709 -2.612 -2.527 -2.379 3.750 0.844 0.909 0.973 1.0984.875 -1.727 -1.646 -1.569 -1.421 5.000 -3.177 -3.063 -2.962 -2.785 3.875 0.326 0.390 0.455 0.5795.000 -2.294 -2.197 -2.104 -1.928 5.125 -3.772 -3.659 -3.557 -3.381 4.000 -0.190 -0.126 -0.061 0.063


4.000 2.810 2.875 2.937 3.055 3.750 2.659 2.739 2.810 2.928 3.250 2.904 2.952 3.000 3.0944.125 2.039 2.104 2.166 2.284 3.875 1.913 1.994 2.064 2.182 3.375 2.361 2.410 2.458 2.5514.250 1.370 1.435 1.497 1.615 4.000 1.261 1.342 1.412 1.530 3.500 1.822 1.870 1.919 2.0124.375 0.814 0.879 0.941 1.058 4.125 0.638 0.719 0.789 0.907 3.625 1.266 1.315 1.363 1.4564.500 0.086 0.167 0.244 0.391 4.250 0.031 0.128 0.214 0.362 3.750 0.829 0.893 0.958 1.0824.625 -0.648 -0.567 -0.490 -0.342 4.375 -0.530 -0.433 -0.347 -0.200 3.875 0.310 0.375 0.439 0.5634.750 -1.269 -1.189 -1.111 -0.964 4.500 -1.263 -1.166 -1.080 -0.933 4.000 -0.206 -0.141 -0.077 0.0474.875 -1.774 -1.693 -1.616 -1.468 4.625 -1.868 -1.771 -1.686 -1.538 4.125 -0.755 -0.691 -0.626 -0.5025.000 -2.325 -2.228 -2.136 -1.959 4.750 -2.340 -2.243 -2.157 -2.010 4.250 -0.946 -0.881 -0.817 -0.6935.125 -3.041 -2.944 -2.851 -2.674 4.875 -2.756 -2.659 -2.573 -2.426 4.375 -1.242 -1.178 -1.113 -0.9895.250 -3.658 -3.561 -3.469 -3.292 5.000 -3.208 -3.095 -2.993 -2.817 4.500 -1.512 -1.448 -1.383 -1.2595.375 -4.168 -4.071 -3.978 -3.802 5.125 -3.803 -3.690 -3.589 -3.412 4.625 -1.943 -1.846 -1.748 -1.5465.500 -4.518 -4.421 -4.328 -4.151 5.250 -4.266 -4.153 -4.051 -3.874 4.750 -2.091 -1.994 -1.896 -1.694

<=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-970.500 0.500 0.500 0.500 0.500 0.500 n/a n/a n/a1.000 1.000 1.000 n/a n/a n/a n/a n/a n/a1.000 1.000 1.000 n/a n/a n/a n/a n/a n/a0.000 0.000 0.000 0.000 0.750 0.750 n/a n/a n/a2.125 2.125 2.125 2.125 3.375 4.125 n/a n/a n/a0.250 0.250 0.250 0.250 0.250 0.250 n/a n/a n/a

0.000 0.250 0.250 0.250 n/a n/a n/a n/a n/a0.000 0.250 0.250 0.500 n/a n/a n/a n/a n/a

0.375 0.625 0.625 0.625 0.875 n/a n/a n/a n/a0.375 1.000 1.000 1.000 1.125 n/a n/a n/a n/a





Conforming Fixed Rate - Multiple Properties (7 - 10) & Multiple Properties Delayed Financing (DU)See next page for High Balance Multiple Properties and High Balance Multiple Properties Delayed Financing

Conforming Fixed 30 Yr Multiple Properties Conforming Fixed 20 Yr Multiple Properties Conforming Fixed 15 Yr Multiple Properties(WC30M-000) (WC20M-000) (WC15M-000)

Conf Fixed 30 Yr (7 to 10 Fin Prop - Conf Fixed 20 Yr (7 to 10 Fin Prop - Conf Fixed 15 Yr (7 to 10 Fin Prop -Delayed Fin) (WC30MDF-000) Delayed Fin) (WC20MDF-000) Delayed Fin) (WC15MDF-000)


Manual Underwriting (>75% Purchase Only)2 Unit Property3-4 Unit PropertyCondominiums (>75% Purchase Only)Investment Property (>75% Purchase Only)New York State Adjustment

FICO Adjustments (All Transactions Types) w/terms greater than 15 years740+720 - 739

Cash out Refinance Adjustments (all loan terms)Cash out Refinance 740+Cash out Refinance 720 - 739

Secondary Financing LLPAsAll loans with secondary financing 0.375 This fee is in addition to the fees below based on FICO and LTV/CLTV

LTV Range TLTV Range Credit Score < 720 Credit Score >= 720<=65% 80.01% - 95.00% n/a 0.25065.01% - 75.00% 80.01% - 95.00% n/a 0.50075.01% - 95.00% 90.01% - 95.00% n/a 0.75075.01% - 90.00% 76.01% - 90.00% n/a 0.750<=95% 95.01% - 97.00% n/a 1.500

These LLPAs do not apply if the secondary financing is a Community Seconds loan.Lock Extension Fee: 2.5 BPS Per Day

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3.625 5.961 6.041 6.112 6.230 3.625 5.961 6.041 6.112 6.230 2.750 5.245 5.301 5.355 5.4333.750 5.182 5.262 5.333 5.451 3.750 5.182 5.262 5.333 5.451 2.875 4.772 4.829 4.883 4.9603.875 4.521 4.602 4.672 4.790 3.875 4.521 4.602 4.672 4.790 3.000 4.287 4.344 4.398 4.4764.000 3.798 3.879 3.949 4.067 4.000 3.798 3.879 3.949 4.067 3.125 3.861 3.918 3.972 4.0494.125 2.985 3.065 3.136 3.254 4.125 2.985 3.065 3.136 3.254 3.250 3.400 3.465 3.527 3.6204.250 2.274 2.355 2.425 2.543 4.250 2.274 2.355 2.425 2.543 3.375 2.956 3.021 3.083 3.1764.375 1.667 1.747 1.818 1.936 4.375 1.667 1.747 1.818 1.936 3.500 2.515 2.580 2.642 2.7364.500 1.220 1.306 1.379 1.497 4.500 1.220 1.306 1.379 1.497 3.625 2.103 2.167 2.230 2.3234.625 0.475 0.572 0.657 0.805 4.625 0.475 0.572 0.657 0.805 3.750 1.720 1.801 1.879 2.0044.750 -0.176 -0.079 0.007 0.154 4.750 -0.176 -0.079 0.007 0.154 3.875 1.264 1.345 1.423 1.547


4.250 2.274 2.355 2.425 2.543 4.250 2.274 2.355 2.425 2.543 3.500 2.515 2.580 2.642 2.7364.375 1.667 1.747 1.818 1.936 4.375 1.667 1.747 1.818 1.936 3.625 2.103 2.167 2.230 2.3234.500 1.220 1.306 1.379 1.497 4.500 1.220 1.306 1.379 1.497 3.750 1.720 1.801 1.879 2.0044.625 0.475 0.572 0.657 0.805 4.625 0.475 0.572 0.657 0.805 3.875 1.264 1.345 1.423 1.5474.750 -0.176 -0.079 0.007 0.154 4.750 -0.176 -0.079 0.007 0.154 4.000 0.817 0.898 0.976 1.1014.875 -0.726 -0.629 -0.543 -0.396 4.875 -0.726 -0.629 -0.543 -0.396 4.125 0.407 0.488 0.567 0.6915.000 -1.120 -1.023 -0.937 -0.790 5.000 -1.120 -1.023 -0.937 -0.790 4.250 0.272 0.353 0.431 0.5555.125 -1.404 -1.307 -1.221 -1.073 5.125 -1.404 -1.307 -1.221 -1.073 4.375 0.063 0.144 0.223 0.3475.250 -1.986 -1.873 -1.772 -1.595 5.250 -1.986 -1.873 -1.772 -1.595 4.500 -0.126 -0.045 0.033 0.1575.375 -2.543 -2.429 -2.328 -2.151 5.375 -2.543 -2.429 -2.328 -2.151 4.625 -0.299 -0.186 -0.074 0.128

<=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97n/a n/a n/a n/a n/a n/a n/a n/a n/a

1.000 1.000 1.000 n/a n/a n/a n/a n/a n/a1.000 1.000 1.000 n/a n/a n/a n/a n/a n/a2.125 2.125 2.125* 2.125* n/a n/a n/a n/a n/a0.250 0.250 0.250 0.250 n/a n/a n/a n/a n/a

0.000 0.250 0.250* 0.250* n/a n/a n/a n/a n/a0.000 0.250 0.250* 0.500* n/a n/a n/a n/a n/a

0.375 0.625 0.625 0.625 n/a n/a n/a n/a n/a0.375 1.000 1.000 1.000 n/a n/a n/a n/a n/a





Conforming Fixed - High Balance Multiple Properties (7 - 10) & HB Multiple Properties Delayed Financing (DU)See previous page for Conf Fixed Multiple Properties and Conf Fixed Multiple Properties Delayed Financing

Conf High Bal Fixed 30 Yr Multiple Properties Conf High Bal Fixed 20 Yr Multiple Properties Conf High Bal Fixed 15 Yr Multiple Properties(WCHB30M-000) (WCHB20M-000) (WCHB15M-000)

Conf High Bal Fixed 30 Yr Multiple Properties Conf High Bal Fixed 20 Yr Multiple Properties Conf High Bal Fixed 15 Yr Multiple PropertiesDelayed Financing (WCHB30MDF-000) Delayed Financing (WCHB20MDF-000) Delayed Financing (WCHB15MDF-000)


Manual Underwriting2 Unit Property3-4 Unit PropertyInvestment PropertyNew York State Adjustment

FICO Adjustments (All Transactions Types) w/terms greater than 15 years740+720 - 739

* >65% Cash-Out Refinance OnlyCash out Refinance Adjustments (all loan terms)

Cash out Refinance 740+Cash out Refinance 720 - 739


LTV Range TLTV Range Credit Score < 720 Credit Score >= 720<=65% 80.01% - 95.00% n/a 0.25065.01% - 75.00% 80.01% - 95.00% n/a 0.50075.01% - 95.00% 90.01% - 95.00% n/a 0.75075.01% - 90.00% 76.01% - 90.00% n/a 0.750<=95% 95.01% - 97.00% n/a 1.500

These LLPAs do not apply if the secondary financing is a Community Seconds loan.Lock Extension Fee: 2.5 BPS Per Day

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3.500 6.219 6.284 6.346 6.463 3.500 6.422 6.487 6.549 6.667 3.625 3.882 3.963 4.034 4.1513.625 5.332 5.396 5.458 5.576 3.625 5.535 5.599 5.661 5.779 3.750 3.084 3.164 3.235 3.3533.750 4.580 4.645 4.707 4.825 3.750 4.783 4.848 4.910 5.028 3.875 2.338 2.419 2.489 2.6073.875 3.842 3.907 3.969 4.087 3.875 4.046 4.110 4.172 4.290 4.000 1.686 1.767 1.837 1.9554.000 3.032 3.097 3.159 3.277 4.000 3.235 3.300 3.362 3.480 4.125 1.063 1.144 1.214 1.3324.125 2.261 2.326 2.388 2.505 4.125 2.464 2.529 2.591 2.709 4.250 0.456 0.553 0.639 0.7874.250 1.592 1.657 1.719 1.836 4.250 1.795 1.860 1.922 2.040 4.375 -0.105 -0.008 0.078 0.2254.375 1.036 1.101 1.162 1.280 4.375 1.239 1.304 1.366 1.483 4.500 -0.838 -0.741 -0.655 -0.5084.500 0.308 0.389 0.466 0.613 4.500 0.511 0.592 0.669 0.816 4.625 -1.443 -1.346 -1.261 -1.1134.625 -0.426 -0.345 -0.268 -0.121 4.625 -0.223 -0.142 -0.065 0.083 4.750 -1.915 -1.818 -1.732 -1.5854.750 -1.047 -0.967 -0.889 -0.742 4.750 -0.844 -0.764 -0.686 -0.539 4.875 -2.331 -2.234 -2.148 -2.0014.875 -1.552 -1.471 -1.394 -1.246 4.875 -1.349 -1.268 -1.191 -1.043 5.000 -2.783 -2.670 -2.568 -2.3925.000 -2.119 -2.022 -1.929 -1.753 5.000 -1.900 -1.803 -1.711 -1.534 5.125 -3.378 -3.265 -3.164 -2.987

Rate 21-Day 30-Day 45-Day 60-Day Rate 21-Day 30-Day 45-Day 60-Day

2.750 5.354 5.394 5.434 5.512 2.500 5.887 5.984 6.077 6.2012.875 4.816 4.857 4.897 4.975 2.625 5.574 5.671 5.763 5.888 Up to 50,000 0.500 to rate3.000 4.271 4.311 4.351 4.429 2.750 4.211 4.284 4.352 4.429 50,0001 - 75,000 0.250 to rate3.125 3.697 3.738 3.778 3.855 2.875 3.853 3.926 3.994 4.071 75,001 - 99,999 0.125 to rate3.250 3.329 3.377 3.425 3.519 3.000 3.492 3.565 3.633 3.7113.375 2.786 2.835 2.883 2.976 3.125 3.195 3.268 3.336 3.4143.500 2.247 2.295 2.344 2.437 3.250 2.470 2.551 2.627 2.7203.625 1.691 1.740 1.788 1.881 3.375 2.110 2.191 2.267 2.3613.750 1.254 1.318 1.383 1.507 3.500 1.752 1.833 1.909 2.0023.875 0.735 0.800 0.864 0.988 3.625 1.466 1.547 1.623 1.7174.000 0.219 0.284 0.348 0.472 3.750 0.735 0.816 0.895 1.0194.125 -0.330 -0.266 -0.201 -0.077 3.875 0.393 0.474 0.552 0.6774.250 -0.521 -0.456 -0.392 -0.268 4.000 0.051 0.132 0.210 0.334

<=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-970.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500 n/a0.250 0.250 0.250 0.250 0.250 0.250 0.250 0.250 n/a

0.000 0.250 0.250 0.250 0.500 0.250 0.250 0.250 n/a0.000 0.250 0.250 0.500 0.750 0.500 0.500 0.500 n/a0.000 0.500 0.500 1.000 1.250 1.000 1.000 1.000 n/a0.000 0.500 0.500 1.250 1.750 1.500 1.250 1.250 n/a0.000 1.000 1.000 2.250 2.750 2.750 2.250 2.250 n/a0.500 1.250 1.250 2.750 3.000 3.250 2.750 2.750 n/a0.500 1.500 1.500 3.000 3.000 3.250 3.250 3.250 n/a






Conforming Fixed Rate Manufactured Housing Product (DU)MH FNMA 30 Yr Fixed (WMH30DU-000) MH FNMA 25 Yr Fixed (WMH25DU-000) MH FNMA 20 Yr Fixed (WMH20DU-000)

MH FNMA 15 Yr Fixed (WMH15DU-000) MH FNMA 10 Yr Fixed (WMH10DU-000) Rate Adjustments for Loan Size


Manufactured HousingNew York State Adjustment

FICO Adjustments (All Transactions Types) w/terms greater than 15 years740+720 - 739700 - 719680 - 699660 - 679640 - 659620 - 639

Cash Out Refinance Adjustments (all loan terms)Cash Out Refinance 740+Cash Out Refinance 720 - 739Cash Out Refinance 700 - 719Cash Out Refinance 680 - 699Cash Out Refinance 660 - 679Cash Out Refinance 640 - 659Cash Out Refinance 620 - 639


0.500


76.01% - 90.00% 1.000 0.750

<=65% 80.01% - 95.00% 0.500 0.25065.01% - 75.00% 80.01% - 95.00% 0.750

<=95% 95.01% - 97.00% n/aThese LLPAs do not apply if the secondary financing is a Community Seconds loan.


75.01% - 95.00% 90.01% - 95.00% 1.000 0.75075.01% - 90.00%

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2.750 12.113 12.146 12.333 12.359 2.750 11.863 11.896 12.083 12.109 2.750 9.668 9.699 9.948 9.9742.875 10.958 10.990 11.177 11.204 2.875 10.708 10.740 10.927 10.954 2.875 8.713 8.744 8.995 9.0203.000 9.815 9.847 10.036 10.063 3.000 9.565 9.597 9.786 9.813 3.000 7.770 7.801 8.053 8.0793.125 8.690 8.722 8.912 8.939 3.125 8.440 8.472 8.662 8.689 3.125 6.842 6.873 7.127 7.1533.250 7.748 7.781 7.972 7.999 3.250 7.498 7.531 7.722 7.749 3.250 6.478 6.530 6.628 6.6703.375 7.640 7.692 7.760 7.804 3.375 7.390 7.442 7.510 7.554 3.375 5.544 5.595 5.695 5.7373.500 6.531 6.584 6.653 6.696 3.500 6.281 6.334 6.403 6.446 3.500 4.635 4.686 4.787 4.8303.625 5.458 5.510 5.581 5.624 3.625 5.208 5.260 5.331 5.374 3.625 3.754 3.806 3.908 3.9513.750 4.806 4.858 4.930 4.973 3.750 4.556 4.608 4.680 4.723 3.750 3.030 3.081 3.186 3.2283.875 4.085 4.137 4.210 4.254 3.875 3.835 3.887 3.960 4.004 3.875 2.320 2.372 2.479 2.5224.000 3.218 3.271 3.345 3.389 4.000 2.968 3.021 3.095 3.139 4.000 1.611 1.662 1.776 1.8194.125 2.573 2.647 2.707 2.767 4.125 2.323 2.397 2.457 2.517 4.125 0.981 1.053 1.146 1.2054.250 1.891 1.964 2.024 2.085 4.250 1.641 1.714 1.774 1.835 4.250 0.329 0.401 0.496 0.556


2.250 8.399 8.406 8.477 8.483 2.250 8.149 8.156 8.227 8.2332.375 7.688 7.695 7.766 7.772 2.375 7.438 7.445 7.516 7.522 Up to 50,000 0.500 to rate2.500 6.977 6.984 7.055 7.061 2.500 6.727 6.734 6.805 6.811 50,0001 - 75,000 0.250 to rate2.625 6.322 6.329 6.402 6.407 2.625 6.072 6.079 6.152 6.157 75,001 - 99,999 0.125 to rate2.750 6.015 6.043 6.099 6.123 2.750 5.765 5.793 5.849 5.8732.875 5.301 5.330 5.386 5.409 2.875 5.051 5.080 5.136 5.1593.000 4.603 4.632 4.689 4.712 3.000 4.353 4.382 4.439 4.4623.125 3.980 4.008 4.067 4.090 3.125 3.730 3.758 3.817 3.8403.250 3.450 3.478 3.537 3.561 3.250 3.200 3.228 3.287 3.3113.375 2.939 2.967 3.028 3.051 3.375 2.689 2.717 2.778 2.8013.500 2.509 2.559 2.613 2.654 3.500 2.259 2.309 2.363 2.4043.625 1.959 2.009 2.063 2.104 3.625 1.709 1.759 1.813 1.8543.750 1.380 1.430 1.485 1.526 3.750 1.130 1.180 1.235 1.276

<=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-970.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500 n/a0.250 0.250 0.250 0.250 0.250 0.250 0.250 0.250 n/a

0.000 0.250 0.250 0.250 0.500 0.250 0.250 0.250 n/a0.000 0.250 0.250 0.500 0.750 0.500 0.500 0.500 n/a0.000 0.500 0.500 1.000 1.250 1.000 1.000 1.000 n/a0.000 0.500 0.500 1.250 1.750 1.500 1.250 1.250 n/a0.000 1.000 1.000 2.250 2.750 2.750 2.250 2.250 n/a0.500 1.250 1.250 2.750 3.000 3.250 2.750 2.750 n/a0.500 1.500 1.500 3.000 3.000 3.250 3.250 3.250 n/a






Conforming Fixed Rate Manufactured Housing Product (LP)MH FHMLC 30 Yr Fixed (WMH30LP-000) MH FHMLC 25 Yr Fixed (WMH25LP-000) MH FHMLC 20 Yr Fixed (WMH20LP-000)

MH FHMLC 15 Yr Fixed (WMH15LP-000) MH FHMLC 10 Yr Fixed (WMH10LP-000) Rate Adjustments for Loan Size

LLPAs (Loan Level Price Adjustments) Are Not Guidelines - Please follow standard FHLMC requirements as applicableFeature Adjustments Fixed

Manufactured HousingNew York State Adjustment

FICO Adjustments (All Transactions Types) w/terms greater than 15 years740+720 - 739700 - 719680 - 699660 - 679640 - 659620 - 639

Cash Out Refinance Adjustments (all loan terms)Cash Out Refinance 740+Cash Out Refinance 720 - 739Cash Out Refinance 700 - 719Cash Out Refinance 680 - 699Cash Out Refinance 660 - 679Cash Out Refinance 640 - 659Cash Out Refinance 620 - 639

Secondary Financing LLPAsLTV Range TLTV Range Credit Score < 720 Credit Score >= 720

<=75% <=80% 0.375 0.375<=65% 80.01% - 95.00% 0.875 0.62565.01% - 75.00% 80.01% - 95.00% 1.125 0.87575.01% - 95.00% 75.01% - 95.00% 1.375 1.125


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Rate 12-Day 21-Day 30-Day 45-Day Rate 12-Day 21-Day 30-Day 45-Day Rate 12-Day 30-Day 45-Day 60-Day3.750 0.277 0.379 0.462 0.556 3.375 2.854 2.956 3.039 3.133 2.750 3.872 3.947 4.015 4.0923.875 -0.330 -0.228 -0.145 -0.051 3.500 2.220 2.322 2.405 2.499 2.875 3.359 3.434 3.502 3.5793.990 -0.610 -0.564 -0.391 -0.332 3.625 1.773 1.875 1.958 2.052 3.000 2.857 2.932 3.000 3.0774.000 -0.910 -0.808 -0.725 -0.631 3.750 0.877 0.979 1.062 1.156 3.125 2.466 2.541 2.609 2.6864.125 -1.314 -1.212 -1.129 -1.035 3.875 0.270 0.372 0.455 0.549 3.250 1.391 1.466 1.534 1.6114.250 -1.840 -1.772 -1.655 -1.561 4.000 -0.310 -0.208 -0.125 -0.031 3.375 0.905 0.980 1.048 1.1254.375 -2.386 -2.284 -2.201 -2.107 4.125 -0.714 -0.612 -0.529 -0.435 3.500 0.436 0.511 0.579 0.6564.500 -2.903 -2.801 -2.718 -2.624 4.250 -1.240 -1.138 -1.055 -0.961 3.625 0.078 0.153 0.221 0.2984.625 -3.276 -3.225 -3.074 -2.980 4.375 -1.786 -1.684 -1.601 -1.507 3.750 -0.605 -0.530 -0.462 -0.3854.750 -3.725 -3.674 -3.482 -3.410 4.500 -2.303 -2.201 -2.118 -2.024 3.875 -1.053 -0.978 -0.910 -0.8334.875 -3.758 -3.693 -3.573 -3.479 4.625 -2.659 -2.557 -2.474 -2.380 4.000 -1.481 -1.406 -1.338 -1.2614.990 -4.129 -4.066 -3.866 -3.787 4.750 -2.678 -2.576 -2.493 -2.399 4.125 -1.808 -1.733 -1.665 -1.588

Rate 12-Day 21-Day 30-Day 45-Day Rate 12-Day 21-Day 30-Day 45-Day Rate 12-Day 21-Day 30-Day 45-Day4.375 -0.386 -0.284 -0.201 -0.107 3.250 4.500 4.656 4.719 4.719 3.250 3.641 3.716 3.784 3.8614.500 -0.903 -0.801 -0.718 -0.624 3.375 4.500 4.656 4.719 4.719 3.375 3.155 3.230 3.298 3.3754.625 -1.259 -1.157 -1.074 -0.980 3.500 4.500 4.656 4.719 4.719 3.500 2.686 2.761 2.829 2.9064.750 -1.278 -1.176 -1.093 -0.999 3.625 4.173 4.275 4.358 4.452 3.625 2.328 2.403 2.471 2.5484.875 -1.758 -1.656 -1.573 -1.479 3.750 1.828 1.953 2.078 2.078 3.750 1.645 1.720 1.788 1.8655.000 -2.206 -2.104 -2.021 -1.927 3.875 1.828 1.953 2.078 2.078 3.875 1.197 1.272 1.340 1.4175.125 -2.513 -2.411 -2.328 -2.234 4.000 1.828 1.953 2.078 2.078 4.000 0.769 0.844 0.912 0.9895.250 -2.200 -2.098 -2.015 -1.921 4.125 1.686 1.788 1.871 1.965 4.125 0.442 0.517 0.585 0.6625.375 -2.612 -2.510 -2.427 -2.333 4.250 -0.359 -0.203 -0.062 -0.062 4.250 1.036 1.111 1.179 1.2565.500 -2.991 -2.889 -2.806 -2.712 4.375 -0.359 -0.203 -0.062 -0.062 5.625 -3.249 -3.147 -3.064 -2.970 4.500 -0.359 -0.203 -0.062 -0.062 5.750 -3.391 -3.391 -2.625 -2.625 4.625 -0.359 -0.203 -0.074 -0.062

Rate 12-Day 21-Day 30-Day 45-Day Rate 12-Day 21-Day 30-Day 45-Day Rate 12-Day 21-Day 30-Day 45-Day2.500 3.535 3.660 3.785 3.910 3.375 3.004 3.106 3.189 3.283 2.750 4.262 4.337 4.405 4.4822.625 3.026 3.151 3.276 3.401 3.500 2.370 2.472 2.555 2.649 2.875 3.749 3.824 3.892 3.9692.750 2.073 2.168 2.268 2.373 3.625 1.923 2.025 2.108 2.202 3.000 3.247 3.322 3.390 3.4672.875 1.760 1.856 1.955 2.061 3.750 1.027 1.129 1.212 1.306 3.125 2.856 2.931 2.999 3.0763.000 1.683 1.778 1.878 1.983 3.875 0.420 0.522 0.605 0.699 3.250 1.781 1.856 1.924 2.0013.125 1.510 1.606 1.705 1.811 4.000 -0.160 -0.058 0.025 0.119 3.375 1.295 1.370 1.438 1.5153.250 0.463 0.572 0.684 0.802 4.125 -0.564 -0.462 -0.379 -0.285 3.500 0.826 0.901 0.969 1.0463.375 0.150 0.259 0.372 0.489 4.250 -1.090 -0.988 -0.905 -0.811 3.625 0.468 0.543 0.611 0.6883.500 -0.052 0.057 0.169 0.287 4.375 -1.636 -1.534 -1.451 -1.357 3.750 -0.215 -0.140 -0.072 0.0053.625 -0.068 0.041 0.153 0.271 4.500 -2.153 -2.051 -1.968 -1.874 3.875 -0.663 -0.588 -0.520 -0.4433.750 -0.952 -0.837 -0.719 -0.597 4.625 -2.509 -2.407 -2.324 -2.230 4.000 -1.091 -1.016 -0.948 -0.8713.875 -1.233 -1.118 -1.000 -0.878 4.750 -2.528 -2.426 -2.343 -2.249 4.000 -1.373 -1.258 -1.140 -1.018 4.875 -3.008 -2.906 -2.823 -2.729

Rate 12-Day 21-Day 30-Day 45-Day Rate 12-Day 21-Day 30-Day 45-Day Rate 12-Day 21-Day 30-Day 45-Day3.375 2.854 2.956 3.039 3.133 3.375 3.004 3.106 3.189 3.283 2.750 4.262 4.337 4.405 4.4823.500 2.220 2.322 2.405 2.499 3.500 2.370 2.472 2.555 2.649 2.875 3.749 3.824 3.892 3.9693.625 1.773 1.875 1.958 2.052 3.625 1.923 2.025 2.108 2.202 3.000 3.247 3.322 3.390 3.4673.750 0.877 0.979 1.062 1.156 3.750 1.027 1.129 1.212 1.306 3.125 2.856 2.931 2.999 3.0763.875 0.270 0.372 0.455 0.549 3.875 0.420 0.522 0.605 0.699 3.250 1.781 1.856 1.924 2.0014.000 -0.310 -0.208 -0.125 -0.031 4.000 -0.160 -0.058 0.025 0.119 3.375 1.295 1.370 1.438 1.5154.125 -0.714 -0.612 -0.529 -0.435 4.125 -0.564 -0.462 -0.379 -0.285 3.500 0.826 0.901 0.969 1.0464.250 -1.240 -1.138 -1.055 -0.961 4.250 -1.090 -0.988 -0.905 -0.811 3.625 0.468 0.543 0.611 0.6884.375 -1.786 -1.684 -1.601 -1.507 4.375 -1.636 -1.534 -1.451 -1.357 3.750 -0.215 -0.140 -0.072 0.0054.500 -2.303 -2.201 -2.118 -2.024 4.500 -2.153 -2.051 -1.968 -1.874 3.875 -0.663 -0.588 -0.520 -0.4434.625 -2.659 -2.557 -2.474 -2.380 4.625 -2.509 -2.407 -2.324 -2.230 4.000 -1.091 -1.016 -0.948 -0.8714.750 -2.678 -2.576 -2.493 -2.399 4.875 -3.158 -3.056 -2.973 -2.879

0.000 0.000 1.0000.000 1.000 0.500(0.500) 0.500 0.000

(0.250) (0.250)0.250 (0.750) (0.250)

New York State Adjustment 0.250 (1.000)

1.0001.000





Government FHA Fixed / ARM RatesFHA 30 Yr Fixed (WGF30-000) FHA 20 Yr Fixed (WGF20-000) FHA 15 Yr Fixed (WGF15-000)

FHA 30 Yr Fixed Low FICO (WGF30LF-000) FICO's 580+ FHA 20 Yr Fixed Low FICO (WGF20LF-000) FICO's 580+ FHA 15 Yr Fixed Low FICO (WGF15LF-000) FICO's 580+

FHA 5/1 ARM (WGF51T-000) FHA 30 Yr Fixed Non Credit Qual Streamline - FHA 15 Yr Fixed Non Credit Qual Streamline -Max Rebate 104 | Margin 2.00 | 1/1/5 Caps | FICO 640 No Appraisal (WGFNCQSLNA30-000) No Appraisal (WGFNCQSLNA15-000)

FHA Fixed 30 w/ Down Pymt Assistance (DAP) FHA 30 Yr Fixed Credit Qual Streamline No Appraisal FHA 15 Yr Fixed Credit Qual Streamline No Appraisal(WGF30DAP-000) (WGFCQSLNA30-000) (WGFCQSLNA15-000)

FHA Purchase/Rate & Term LLPAs (Low FICO Products) Streamline LLPAs (Loan Level Price Adjustments) FHA Purchase / Rate & Term / Cash Out LLPAsNo FICO Score (GFLF-000 Only) No FICO Score - Mortgage Only FICO 620 - 639FICO 580 - 599 FICO 580 - 599 FICO 640 - 659FICO 600 - 619 FICO 600-619 FICO 660 - 679

LLPAs (All Products, As Applicable) FICO 640-659 FICO 720-739Cash Out FICO 660-699 FICO 740+

FICO 700+ Fixed Rate Extension - Days and Extension CostNO FICO ADJUSTMENTS FOR TERMS <20 Years 2.5 BPS Per Day - Maximum Lock Period 60 Days

After 60 days lock compared to current market, relocked worst case pricing to avoid additional extension fees or if extreme rate range

market movement, rate may need to be adjustedManufactured Housing Available Second Home

Please See FHA Manufactured Housing Rates Page Non-OwnerLock Extension Fee: 2.5 BPS Per Day

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Rate 12-Day 21-Day 30-Day 45-Day Rate 12-Day 21-Day 30-Day 45-Day Rate 12-Day 21-Day 30-Day 45-Day3.000 8.906 8.969 9.156 9.156 3.375 2.954 3.056 3.139 3.233 2.750 4.122 4.197 4.265 4.3423.125 8.906 8.969 9.156 9.156 3.500 2.320 2.422 2.505 2.599 2.875 3.609 3.684 3.752 3.8293.250 5.500 5.656 5.719 5.719 3.625 1.873 1.975 2.058 2.152 3.000 3.107 3.182 3.250 3.3273.375 5.500 5.656 5.719 5.719 3.750 0.977 1.079 1.162 1.256 3.125 2.716 2.791 2.859 2.9363.500 2.266 2.368 2.451 2.545 3.875 0.370 0.472 0.555 0.649 3.250 1.641 1.716 1.784 1.8613.625 1.819 1.921 2.004 2.098 4.000 -0.210 -0.108 -0.025 0.069 3.375 1.155 1.230 1.298 1.3753.750 0.923 1.025 1.108 1.202 4.125 -0.614 -0.512 -0.429 -0.335 3.500 0.686 0.761 0.829 0.9063.875 0.316 0.418 0.501 0.595 4.250 -1.140 -1.038 -0.955 -0.861 3.625 0.328 0.403 0.471 0.5484.000 -0.264 -0.162 -0.079 0.015 4.375 -1.686 -1.584 -1.501 -1.407 3.750 -0.355 -0.280 -0.212 -0.1354.125 -0.668 -0.566 -0.483 -0.389 4.500 -2.203 -2.101 -2.018 -1.924 3.875 -0.803 -0.728 -0.660 -0.5834.250 -1.194 -1.092 -1.009 -0.915 4.625 -2.559 -2.457 -2.374 -2.280 4.000 -1.231 -1.156 -1.088 -1.0114.375 -1.740 -1.638 -1.555 -1.461 4.750 -2.578 -2.476 -2.393 -2.299 4.125 -1.558 -1.483 -1.415 -1.3384.500 -2.257 -2.155 -2.072 -1.978 4.875 -3.058 -2.956 -2.873 -2.779 4.250 -0.964 -0.889 -0.821 -0.744

Rate 12-Day 21-Day 30-Day 45-Day Rate 12-Day 21-Day 30-Day 45-Day Rate 12-Day 21-Day 30-Day 45-Day2.250 5.553 5.678 5.803 5.928 3.375 3.254 3.356 3.439 3.533 2.750 4.247 4.322 4.390 4.4672.375 5.044 5.169 5.294 5.419 3.500 2.620 2.722 2.805 2.899 2.875 3.734 3.809 3.877 3.9542.500 4.535 4.660 4.785 4.910 3.625 2.173 2.275 2.358 2.452 3.000 3.232 3.307 3.375 3.4522.625 4.026 4.151 4.276 4.401 3.750 1.277 1.379 1.462 1.556 3.125 2.841 2.916 2.984 3.0612.750 3.073 3.168 3.268 3.373 3.875 0.670 0.772 0.855 0.949 3.250 1.766 1.841 1.909 1.9862.875 2.760 2.856 2.955 3.061 4.000 0.090 0.192 0.275 0.369 3.375 1.280 1.355 1.423 1.5003.000 2.683 2.778 2.878 2.983 4.125 -0.314 -0.212 -0.129 -0.035 3.500 0.811 0.886 0.954 1.0313.125 2.510 2.606 2.705 2.811 4.250 -0.840 -0.738 -0.655 -0.561 3.625 0.453 0.528 0.596 0.6733.250 1.463 1.572 1.684 1.802 4.375 -1.386 -1.284 -1.201 -1.107 3.750 -0.230 -0.155 -0.087 -0.0103.375 1.150 1.259 1.372 1.489 4.500 -1.903 -1.801 -1.718 -1.624 3.875 -0.678 -0.603 -0.535 -0.4583.500 0.948 1.057 1.169 1.287 4.625 -2.259 -2.157 -2.074 -1.980 4.000 -1.106 -1.031 -0.963 -0.8863.625 0.932 1.041 1.153 1.271 4.750 -2.278 -2.176 -2.093 -1.999 4.125 -1.433 -1.358 -1.290 -1.2133.750 0.048 0.163 0.281 0.403 4.250 -0.839 -0.764 -0.696 -0.619

Rate 12-Day 21-Day 30-Day 45-Day Rate 12-Day 21-Day 30-Day 45-Day Rate 12-Day 21-Day 30-Day 45-Day3.375 3.354 3.456 3.539 3.633 3.375 3.254 3.356 3.439 3.533 2.750 4.247 4.322 4.390 4.4673.500 2.720 2.822 2.905 2.999 3.500 2.620 2.722 2.805 2.899 2.875 3.734 3.809 3.877 3.9543.625 2.273 2.375 2.458 2.552 3.625 2.173 2.275 2.358 2.452 3.000 3.232 3.307 3.375 3.4523.750 1.377 1.479 1.562 1.656 3.750 1.277 1.379 1.462 1.556 3.125 2.841 2.916 2.984 3.0613.875 0.770 0.872 0.955 1.049 3.875 0.670 0.772 0.855 0.949 3.250 1.766 1.841 1.909 1.9864.000 0.190 0.292 0.375 0.469 4.000 0.090 0.192 0.275 0.369 3.375 1.280 1.355 1.423 1.5004.125 -0.214 -0.112 -0.029 0.065 4.125 -0.314 -0.212 -0.129 -0.035 3.500 0.811 0.886 0.954 1.0314.250 -0.740 -0.638 -0.555 -0.461 4.250 -0.840 -0.738 -0.655 -0.561 3.625 0.453 0.528 0.596 0.6734.375 -1.286 -1.184 -1.101 -1.007 4.375 -1.386 -1.284 -1.201 -1.107 3.750 -0.230 -0.155 -0.087 -0.0104.500 -1.803 -1.701 -1.618 -1.524 4.500 -1.903 -1.801 -1.718 -1.624 3.875 -0.678 -0.603 -0.535 -0.4584.625 -2.159 -2.057 -1.974 -1.880 4.625 -2.259 -2.157 -2.074 -1.980 4.000 -1.106 -1.031 -0.963 -0.8864.750 -2.178 -2.076 -1.993 -1.899 4.750 -2.278 -2.176 -2.093 -1.999 4.125 -1.433 -1.358 -1.290 -1.2134.875 -2.658 -2.556 -2.473 -2.379 4.250 -0.839 -0.764 -0.696 -0.619

Rate 12-Day 21-Day 30-Day 45-Day Rate 12-Day 21-Day 30-Day 45-Day3.375 3.004 3.106 3.189 3.283 2.750 3.341 3.441 3.488 3.5353.500 2.370 2.472 2.555 2.649 VA IRRRL 2.875 2.861 2.961 3.008 3.0553.625 1.923 2.025 2.108 2.202 No FICO Score - Mortgage Only Available 2.990 2.417 2.517 2.564 2.6113.750 1.027 1.129 1.212 1.306 660+ Unlimited LTV 3.000 2.378 2.478 2.525 2.5723.875 0.420 0.522 0.605 0.699 Manufactured Home IRRRL 3.125 1.892 1.992 2.039 2.0854.000 -0.160 -0.058 0.025 0.119 Available Online At eXPRESS 3.250 0.746 0.846 0.892 0.9394.125 -0.564 -0.462 -0.379 -0.285 3.375 0.264 0.364 0.411 0.4584.250 -1.090 -0.988 -0.905 -0.811 * Rate/Term is cash out code determines LTV 3.500 -0.212 -0.112 -0.065 -0.018 ** Cash out allows cash out for non-mtg debt 3.625 -0.686 -0.586 -0.539 -0.492 VA Manufactured Housing Available Please See VA Manufactured Housing Rates Page

No FICO Score - Mortgage Only 0.000 0.250 No FICO Score (VA Purchase, Manual UW) 2.500FICO 580-599 1.000 New York State Adjustment 0.250 FICO 580 - 599 (VA Purchase & R/T) 2.500FICO 600-619 0.500 FICO 600 - 619 (VA Purchase & R/T) 2.000FICO 640-659 (0.250) 1.000FICO 660-699 (0.750) 0.500FICO 700 + (1.000) 2.000 0.000

1.250 (0.250)1.000 0.750 0.250





Government VA Fixed / ARM Rates & USDAVA FIXED RATES - All VA loan types have admin & Processing Fee built in - Your price will change based on loan amount. Please price online for accuracy.

Fixed 30 USDA >10/1/11 (WG30USDA-000) VA 30 Yr Fixed (WGV30-000) VA 15 Yr Fixed (WGV15-000)

VA 5/1 ARM (WVA51T-000) VA Fixed 30 Cash Out** (WGV30CO-000) VA Fixed 15 Cash Out** (WGV15CO-000)

VA 30 Yr Fixed DAP (WGV30DAP-000) VA Fixed 30 Rate/Term (WGV30RT-000) VA Fixed 15 Rate/Term (WGV15RT-000)

VA 30 Yr Fixed IRRRL (WGVIRRRL30-000) General Information VA 15 Yr Fixed IRRRL (WGV15IRRRL-000)

IRRRL LLPAs (Loan Level Price Adjustments) LLPAs (All VA/USDA Products, As Applicable) VA Purchase/Rate & Term/Cash Out & USDA LLPAsCash Out

FICO 620 - 639 (VA Purchase & R/T, USDA)VA Loan Amount LLPAs (All VA Products) FICO 640 - 659

Up to $50,000 FICO 660 - 679


FICO Adjustments do not apply to <20 yr Terms $50,001 to $100,000 FICO 720+Non-Owner/Second Home $100,001 to $125,000 Cash Out (VA)

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3.500 3.028 3.130 3.213 3.307 2.750 6.326 6.426 6.473 6.520 3.250 6.098 4.486 4.629 4.772

3.625 2.640 2.742 2.825 2.919 2.875 5.846 5.946 5.993 6.040 3.375 5.553 3.939 4.082 4.225

3.750 1.264 1.366 1.449 1.543 3.250 2.255 2.330 2.398 2.475 3.500 5.028 3.401 3.544 3.687

3.875 0.764 0.866 0.949 1.043 3.375 1.837 1.912 1.980 2.057 3.625 4.640 2.873 3.016 3.159

4.000 0.289 0.391 0.474 0.568 3.500 1.442 1.517 1.585 1.662 3.750 3.264 1.803 1.946 2.089

4.125 -0.060 0.042 0.125 0.219 3.625 1.144 1.219 1.287 1.364 3.875 2.764 1.277 1.420 1.563

4.250 -0.602 -0.500 -0.417 -0.323 3.750 0.260 0.335 0.403 0.480 4.000 2.289 0.763 0.906 1.049

4.375 -1.048 -0.946 -0.863 -0.769 3.875 -0.109 -0.034 0.034 0.111 4.125 1.940 0.261 0.404 0.547

4.500 -1.468 -1.366 -1.283 -1.189 4.000 -0.453 -0.378 -0.310 -0.233

4.625 -1.773 -1.671 -1.588 -1.494 4.125 -0.712 -0.637 -0.569 -0.492

4.750 -2.140 -2.038 -1.955 -1.861

4.875 -2.528 -2.426 -2.343 -2.249


2.500 3.785 3.877 3.990 4.052 3.250 4.221 4.318 4.384 4.431 2.250 5.803 5.928 6.053 6.178

2.625 3.276 3.401 3.526 3.651 3.375 3.714 3.811 3.876 3.923 2.375 5.294 5.419 5.544 5.669

2.750 2.323 2.418 2.518 2.623 3.450 3.411 3.508 3.574 3.621 2.500 4.785 4.910 5.035 5.160

2.875 2.010 2.106 2.205 2.311 3.500 3.184 3.281 3.347 3.394 2.625 4.276 4.401 4.526 4.651

3.000 1.933 2.028 2.128 2.233 3.550 2.971 3.068 3.133 3.180 2.750 3.810 3.935 4.060 4.185

3.125 1.760 1.856 1.955 2.061 3.625 2.653 2.749 2.815 2.862 2.875 3.468 3.593 3.718 3.843

3.250 0.713 0.822 0.934 1.052 3.750 1.511 1.618 1.690 1.747 3.000 3.129 3.254 3.379 3.504

3.375 0.400 0.509 0.622 0.739 3.800 1.405 1.512 1.584 1.641 3.125 2.792 2.917 3.042 3.167

3.500 0.198 0.307 0.419 0.537 3.875 1.023 1.129 1.201 1.258 3.250 2.469 2.594 2.719 2.844

3.625 0.182 0.291 0.403 0.521 3.950 0.740 0.847 0.919 0.976 3.375 2.153 2.278 2.403 2.528

3.750 -0.702 -0.587 -0.469 -0.347 3.990 0.565 0.672 0.744 0.800 3.500 1.838 1.963 2.088 2.213

3.875 -0.983 -0.868 -0.750 -0.628 4.000 0.521 0.628 0.700 0.757 3.625 1.523 1.648 1.773 1.898

1.0000.5000.000(0.250)0.2500.250

FICO 580-599 (FHA & IRRRL Ineligible) 1.000FICO 600-619 (FHA & IRRRL Ineligible) 0.500FICO 640-659 (0.250)FICO 660-699 (0.750)FICO 700 + (1.000)New York State Adjustment 0.250

1.000





FHA and VA High Balance FHA High Balance 30 Yr Fixed FHA High Balance 15 Yr Fixed FHA High Balance 30 Yr Fixed Non Credit Qual

(WGFHB30-000) (WGFHB15-000) Streamline - No Appraisal (WGFHBNCQSLNA30-000)

FHA High Balance 5/1 ARM (WGFHB51T-000) VA High Balance Fixed 30 (WGVHB30-000) VA High Balance 5/1 ARM (WGVHB51T-000)

High Balance FHA / VA LLPAs General InformationFICO 620 - 639 Maximum Number of Total Properties Owned = 4FICO 640 - 659 All FHA / VA loans require impounds for taxes and hazard insurance.

No Manufactured Housing

FICO 660 - 679 No cash out for any program / product in TexasFICO 720+ No Non-traditional credit for any borrower - all borrowers must have credit scoreCash Out (640+ FICO Required)New York State Adjustment

VA High Balance 30 Yr Fixed IRRRL (WGVHBIRRRL30-000) is available - Please price in eXPRESS

30 Year Fixed Terms only for Streamlines/IRRRLsNon-Owner/Second Home


High Balance Streamline / IRRRL LLPAs VA High Balance Fixed 30 (WGVHB30-000) HighlightsPlease check VA county loan limits.

Ratios 41/41 (Exceptions with required additional residual)No Non-traditional credit for any borrower - all borrowers must have credit score

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Rate 12-Day 21-Day 30-Day 45-Day Rate 12-Day 21-Day 30-Day 45-Day Rate 12-Day 21-Day 30-Day 45-Day4.750 -1.464 -0.885 -0.885 -0.797 3.250 3.451 3.495 3.542 3.591 2.750 4.684 4.748 4.816 4.8904.875 -1.589 -1.010 -1.010 -0.922 3.375 3.326 3.370 3.417 3.466 2.875 4.384 4.448 4.516 4.5905.000 -1.652 -1.073 -1.073 -0.984 3.500 3.201 3.245 3.292 3.341 3.000 4.169 4.233 4.301 4.3755.125 -1.671 -1.092 -1.092 -1.003 3.625 3.076 3.120 3.167 3.216 3.125 3.934 3.998 4.066 4.1405.250 -2.592 -2.091 -2.091 -2.026 3.750 1.409 1.475 1.547 1.620 3.250 3.042 3.119 3.200 3.2875.375 -2.686 -2.184 -2.184 -2.120 3.875 1.284 1.350 1.422 1.495 3.375 2.742 2.819 2.900 2.9875.500 -2.749 -2.247 -2.247 -2.182 4.000 1.159 1.225 1.297 1.370 3.500 2.527 2.604 2.685 2.7725.625 -2.768 -2.266 -2.266 -2.201 4.125 1.034 1.100 1.172 1.245 3.625 2.292 2.369 2.450 2.5375.750 -2.779 -2.253 -2.253 -2.156 4.250 1.048 1.158 1.263 1.368 3.750 1.408 1.492 1.579 1.6705.875 -2.529 -2.003 -2.003 -1.906 4.375 0.923 1.033 1.138 1.243 3.875 1.108 1.192 1.279 1.3706.000 -3.436 -2.911 -2.911 -2.814 4.500 0.798 0.908 1.013 1.118 4.000 0.893 0.977 1.064 1.1556.125 -3.455 -2.930 -2.930 -2.833 4.625 0.673 0.783 0.888 0.993 4.125 0.658 0.742 0.829 0.920

Rate 12-Day 21-Day 30-Day 45-Day Rate 12-Day 21-Day 30-Day 45-Day4.750 1.161 1.270 1.365 1.453 2.750 5.684 5.748 5.816 5.8904.875 1.036 1.145 1.240 1.328 2.875 5.384 5.448 5.516 5.5905.000 0.973 1.083 1.177 1.266 3.000 5.169 5.233 5.301 5.3755.125 0.954 1.064 1.158 1.247 3.125 4.934 4.998 5.066 5.1405.250 2.533 2.595 2.659 2.724 3.250 4.042 4.119 4.200 4.2875.375 2.439 2.501 2.566 2.630 3.375 3.742 3.819 3.900 3.9875.500 2.376 2.439 2.503 2.568 3.500 3.527 3.604 3.685 3.7725.625 2.357 2.420 2.484 2.549 3.625 3.292 3.369 3.450 3.5375.750 2.596 2.659 2.747 2.844 3.750 2.408 2.492 2.579 2.6705.875 2.659 2.721 2.809 2.906 3.875 2.108 2.192 2.279 2.3706.000 2.734 2.796 2.884 2.981 4.000 1.893 1.977 2.064 2.1556.125 1.890 1.952 2.040 2.137 4.125 1.658 1.742 1.829 1.920

Rate 12-Day 21-Day 30-Day 45-Day Rate 12-Day 21-Day 30-Day 45-Day Rate 12-Day 21-Day 30-Day 45-Day4.750 -1.464 -1.230 -0.885 -0.797 3.250 3.451 3.495 3.542 3.591 2.750 4.684 4.748 4.816 4.8904.875 -1.589 -1.355 -1.010 -0.922 3.375 3.326 3.370 3.417 3.466 2.875 4.384 4.448 4.516 4.5905.000 -1.652 -1.417 -1.073 -0.984 3.500 3.201 3.245 3.292 3.341 3.000 4.169 4.233 4.301 4.3755.125 -1.671 -1.436 -1.092 -1.003 3.625 3.076 3.120 3.167 3.216 3.125 3.934 3.998 4.066 4.1405.250 -2.592 -2.405 -2.091 -2.026 3.750 1.409 1.475 1.547 1.620 3.250 3.042 3.119 3.200 3.2875.375 -2.686 -2.499 -2.184 -2.120 3.875 1.284 1.350 1.422 1.495 3.375 2.742 2.819 2.900 2.9875.500 -2.749 -2.561 -2.247 -2.182 4.000 1.159 1.225 1.297 1.370 3.500 2.527 2.604 2.685 2.7725.625 -2.768 -2.580 -2.266 -2.201 4.125 1.034 1.100 1.172 1.245 3.625 2.292 2.369 2.450 2.5375.750 -2.779 -2.591 -2.253 -2.156 4.250 1.048 1.158 1.263 1.368 3.750 1.408 1.492 1.579 1.6705.875 -2.529 -2.341 -2.003 -1.906 4.375 0.923 1.033 1.138 1.243 3.875 1.108 1.192 1.279 1.3706.000 -3.436 -3.249 -2.911 -2.814 4.500 0.798 0.908 1.013 1.118 4.000 0.893 0.977 1.064 1.1556.125 -3.455 -3.268 -2.930 -2.833 4.625 0.673 0.783 0.888 0.993 4.125 0.658 0.742 0.829 0.920

Rate 12-Day 21-Day 30-Day 45-Day Rate 12-Day 21-Day 30-Day 45-Day4.750 1.161 1.270 1.365 1.453 2.750 4.934 4.998 5.066 5.1404.875 1.036 1.145 1.240 1.328 2.875 4.634 4.698 4.766 4.8405.000 0.973 1.083 1.177 1.266 3.000 4.419 4.483 4.551 4.6255.125 0.954 1.064 1.158 1.247 3.125 4.184 4.248 4.316 4.3905.250 2.533 2.595 2.659 2.724 3.250 3.292 3.369 3.450 3.5375.375 2.439 2.501 2.566 2.630 3.375 2.992 3.069 3.150 3.2375.500 2.376 2.439 2.503 2.568 3.500 2.777 2.854 2.935 3.0225.625 2.357 2.420 2.484 2.549 3.625 2.542 2.619 2.700 2.7875.750 2.596 2.659 2.747 2.844 3.750 1.658 1.742 1.829 1.9205.875 2.659 2.721 2.809 2.906 3.875 1.358 1.442 1.529 1.6206.000 2.734 2.796 2.884 2.981 4.000 1.143 1.227 1.314 1.4056.125 1.890 1.952 2.040 2.137 4.125 0.908 0.992 1.079 1.170

Limited Renovation Products 0.500FICO 620 - 639 (No High Balance) 1.250FICO 640 - 659 (640 Min FICO for High Bal.) 0.500FICO 700+ (0.250)Loan Amount <$50,000 1.500Loan Amount $50,000-$74,999 0.500Refi Cash Out 0.250New York State Adjustment 0.250





Government FHA 203(k) Limited Renovation FHA Limted 203K Fixed 30 FHA Limited 203K Fixed 15 FHA Limited 203K 5/1 ARM

(WGF30L203K-068) (WGF15L203K-068) (WGF51TL203K-068)

FHA Limited 203K High Balance Fixed 30 FHA Limited 203K High Balance 5/1 ARM(WGFHB30L203K-068) (WGFHB51TL203K-068)

Government FHA 203(k) Standard Renovation FHA Standard 203K Fixed 30 FHA Standard 203K Fixed 15 FHA Standard 203K 5/1 Treasury ARM

(WGF30203K-068) (WGF15203K-068) (WGF51T203K-068)

FHA 203(k) Standard Renovation and Limited Renovation Products Must Be Conditionally Approved

to Lock

Manual U/W is not available on these products

Fixed Rate Extension - Days and Extension CostLock Extension Fee: 2.5 BPS Per Day - Maximum Lock Period 60 Days

FHA Standard 203K High Balance Fixed 30 FHA Standard 203K High Balance 5/1 Treasury ARM(WGFHB30203K-068) (WGFHB51T203K-068)

LLPAs (Loan Level Price Adjustments)

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Rate 21-Day 30-Day 45-Day Rate 21-Day 30-Day 45-Day Rate 21-Day 30-Day 45-Day Rate 30-Day 45-Day 60-Day Rate 30-Day 45-Day 60-Day Rate 45-Day4.000 3.595 3.720 3.845 4.000 3.095 3.220 3.345 3.625 3.716 3.841 3.966 3.250 3.649 3.774 3.899 3.250 3.774 3.899 4.024 3.500 3.7874.125 2.970 3.095 3.220 4.125 2.470 2.595 2.720 3.750 3.154 3.279 3.404 3.375 3.149 3.274 3.399 3.375 3.274 3.399 3.524 3.625 3.2874.250 2.345 2.470 2.595 4.250 1.845 1.970 2.095 3.875 2.591 2.716 2.841 3.500 2.649 2.774 2.899 3.500 2.774 2.899 3.024 3.750 2.7874.375 1.720 1.845 1.970 4.375 1.220 1.345 1.470 4.000 2.029 2.154 2.279 3.625 2.149 2.274 2.399 3.625 2.274 2.399 2.524 3.875 2.2874.500 1.220 1.345 1.470 4.500 0.720 0.845 0.970 4.125 1.591 1.716 1.841 3.750 1.649 1.774 1.899 3.750 1.774 1.899 2.024 4.000 1.7874.625 0.720 0.845 0.970 4.625 0.220 0.345 0.470 4.250 1.154 1.279 1.404 3.875 1.274 1.399 1.524 3.875 1.399 1.524 1.649 4.125 1.4124.750 0.220 0.345 0.470 4.750 -0.280 -0.155 -0.030 4.375 0.716 0.841 0.966 4.000 0.899 1.024 1.149 4.000 1.024 1.149 1.274 4.250 1.0374.875 -0.280 -0.155 -0.030 4.875 -0.780 -0.655 -0.530 4.500 0.279 0.404 0.529 4.125 0.524 0.649 0.774 4.125 0.649 0.774 0.899 4.375 0.6625.000 -0.780 -0.655 -0.530 5.000 -1.280 -1.155 -1.030 4.625 -0.159 -0.034 0.091 4.250 0.149 0.274 0.399 4.250 0.274 0.399 0.524 4.500 0.2875.125 -1.280 -1.155 -1.030 5.125 -1.780 -1.655 -1.530 4.750 -0.596 -0.471 -0.346 4.375 -0.226 -0.101 0.024 4.375 -0.101 0.024 0.149 4.625 -0.0885.250 -1.780 -1.655 -1.530 5.250 -2.280 -2.155 -2.030 4.875 -1.034 -0.909 -0.784 4.500 -0.601 -0.476 -0.351 4.500 -0.476 -0.351 -0.226 4.750 -0.4635.375 -2.155 -2.030 -1.905 5.375 -2.655 -2.530 -2.405 5.000 -1.471 -1.346 -1.221 4.625 -0.976 -0.851 -0.726 4.625 -0.851 -0.726 -0.601 4.875 -0.8385.500 -2.530 -2.405 -2.280 5.500 -3.030 -2.905 -2.780 5.125 -1.846 -1.721 -1.596 4.750 -1.351 -1.226 -1.101 4.750 -1.226 -1.101 -0.976 5.000 -1.2135.625 -2.905 -2.780 -2.655 5.625 -3.405 -3.280 -3.155 5.250 -2.221 -2.096 -1.971 4.875 -1.726 -1.601 -1.476 4.875 -1.601 -1.476 -1.351 5.125 -1.5885.750 -3.280 -3.155 -3.030 5.750 -3.780 -3.655 -3.530 5.375 -2.596 -2.471 -2.346 5.000 -2.038 -1.913 -1.788 5.000 -1.913 -1.788 -1.663 5.250 -1.901

Rate 21-Day 30-Day 45-Day Rate 21-Day 30-Day 45-Day Rate 21-Day 30-Day 45-Day Rate 45-Day Rate 30-Day 45-Day 60-Day Rate 45-Day4.250 3.595 3.720 3.845 4.250 3.095 3.220 3.345 3.875 3.716 3.841 3.966 3.500 3.774 3.500 3.774 3.899 4.024 3.750 3.7874.375 2.970 3.095 3.220 4.375 2.470 2.595 2.720 4.000 3.154 3.279 3.404 3.625 3.274 3.625 3.274 3.399 3.524 3.875 3.2874.500 2.345 2.470 2.595 4.500 1.845 1.970 2.095 4.125 2.591 2.716 2.841 3.750 2.774 3.750 2.774 2.899 3.024 4.000 2.7874.625 1.720 1.845 1.970 4.625 1.220 1.345 1.470 4.250 2.029 2.154 2.279 3.875 2.274 3.875 2.274 2.399 2.524 4.125 2.2874.750 1.220 1.345 1.470 4.750 0.720 0.845 0.970 4.375 1.591 1.716 1.841 4.000 1.774 4.000 1.774 1.899 2.024 4.250 1.7874.875 0.720 0.845 0.970 4.875 0.220 0.345 0.470 4.500 1.154 1.279 1.404 4.125 1.399 4.125 1.399 1.524 1.649 4.375 1.4125.000 0.220 0.345 0.470 5.000 -0.280 -0.155 -0.030 4.625 0.716 0.841 0.966 4.250 1.024 4.250 1.024 1.149 1.274 4.500 1.0375.125 -0.280 -0.155 -0.030 5.125 -0.780 -0.655 -0.530 4.750 0.279 0.404 0.529 4.375 0.649 4.375 0.649 0.774 0.899 4.625 0.6625.250 -0.780 -0.655 -0.530 5.250 -1.280 -1.155 -1.030 4.875 -0.159 -0.034 0.091 4.500 0.274 4.500 0.274 0.399 0.524 4.750 0.2875.375 -1.280 -1.155 -1.030 5.375 -1.780 -1.655 -1.530 5.000 -0.596 -0.471 -0.346 4.625 -0.101 4.625 -0.101 0.024 0.149 4.875 -0.0885.500 -1.780 -1.655 -1.530 5.500 -2.280 -2.155 -2.030 5.125 -1.034 -0.909 -0.784 4.750 -0.476 4.750 -0.476 -0.351 -0.226 5.000 -0.4635.625 -2.155 -2.030 -1.905 5.625 -2.655 -2.530 -2.405 5.250 -1.471 -1.346 -1.221 4.875 -0.851 4.875 -0.851 -0.726 -0.601 5.125 -0.8385.750 -2.530 -2.405 -2.280 5.750 -3.030 -2.905 -2.780 5.375 -1.846 -1.721 -1.596 5.000 -1.226 5.000 -1.226 -1.101 -0.976 5.250 -1.2135.875 -2.905 -2.780 -2.655 5.875 -3.405 -3.280 -3.155 5.500 -2.221 -2.096 -1.971 5.125 -1.601 5.125 -1.601 -1.476 -1.351 5.375 -1.5886.000 -3.280 -3.155 -3.030 6.000 -3.780 -3.655 -3.530 5.625 -2.596 -2.471 -2.346 5.250 -1.913 5.250 -1.913 -1.788 -1.663 5.500 -1.9016.125 -3.655 -3.530 -3.405 6.125 -4.155 -4.030 -3.905 5.750 -2.971 -2.846 -2.721 5.375 -2.226 5.375 -2.226 -2.101 -1.976 5.625 -2.213

FICO Adjustments780+760-779740-759720-739700-719Other AdjustmentsCash-Out RefinanceSecond HomeInvestment (not eligible for 5/1 ARM)3-4 UnitsNY State AdjustmentLoan Amount >= $1 MM

Announcements / Notes- AutoPay Program requires ACH deduction from Checking Account to be opened with Investor- Rate sheet is indication pricing only - All loans must be priced on eXPRESS- Prices subject to change due to intraday market conditions without prior notification- All adjustments are in addition to applicable LLPA's and are subject to change by Investor without notice



Fixed Products Net Price Cap: 102. ARM Products Net Price Cap: 101.75. Broker LPC taken from credit for rate chosen after Net Price Cap.Rate Sheets Represent Borrower Paid Compensation. Pricing in the eXPRESS portal includes all Loan Level Adjustments,


JUMBO Premier AutoPay Non-Conforming Fixed / ARMSJumbo Premier AutoPay Jumbo Premier AutoPay Jumbo Premier AutoPay Jumbo Premier AutoPay Jumbo Premier AutoPay Jumbo Premier AutoPay

Fixed 30 (017) Fixed 20 (017) Fixed 15 (017) 5/1 LIBOR ARM (017) 7/1 LIBOR ARM (017) 10/1 LIBOR ARM (017)(WJ30AP-017) (WJ20AP-017) (WJ15AP-017) (WJ51LAP-017) (WJ71LAP-017) (WJ101LAP-017)

JUMBO Premier Non-Conforming Fixed / ARMSJumbo Premier Jumbo Premier Jumbo Premier Jumbo Premier Jumbo Premier Jumbo Premier

Fixed 30 Fixed 20 Fixed 15 5/1 LIBOR ARM (017) 7/1 LIBOR ARM (017) 10/1 LIBOR ARM (017)(WJ30-017) (WJ20-017) (WJ15-017) (WJ51L-017) (WJ71L-017) (WJ101L-017)

Underwriting Notes Caps and Margins

PLEASE ALLOW ADDITIONAL TURN TIME. NOT ELIGIBLE FOR 21 DAY PURCHASE GUARANTEE.

5/1 LIBOR ARM 2/2/5 2.2507/1 LIBOR ARM 2/2/5 2.25010/1 LIBOR ARM 2/2/5 2.250

LOCK AT CONDITIONAL APPROVAL ONLYMaximum 4 Financed Properties Regardless of Occupancy

Fixed/ARM LLPAs (Loan Level Price Adjustments) - Adjustments Are Not "Guidelines"LTV: <=60 60.01-65 65.01-70 70.01-75 75.01-80

FEATURES

(0.500) (0.250) (0.250) (0.125) (0.125)(0.250) (0.250) (0.250)

0.500 1.000

0.000 0.125(0.125) 0.000 0.000 0.125 0.375

0.250 0.250

0.000 0.125 0.125 0.250 0.7500.125 0.375 0.375

n/a n/a

0.250 0.250 0.250 n/a n/a0.250 0.250 0.250

0.125 0.125

1.750 n/a n/a n/a n/a0.375 0.375 0.375


- Please refer to Market Classification for Maximum Financing. - All prices are subject to price caps. - Please obtain current market, correct pricing and adjustments on eXPRESS

0.625 0.625 0.625 0.625 0.6250.125 0.125 0.125

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Rate 21-Day 30-Day 45-Day 60-Day Rate 21-Day 30-Day 45-Day 60-Day4.000 3.327 3.417 3.537 3.647 2.875 5.947 6.037 6.157 6.2674.125 2.699 2.789 2.909 3.019 3.000 5.441 5.531 5.651 5.7614.250 2.099 2.189 2.309 2.419 3.125 4.942 5.032 5.152 5.2624.375 1.502 1.592 1.712 1.822 3.250 4.451 4.541 4.661 4.7714.500 0.918 1.008 1.128 1.238 3.375 3.966 4.056 4.176 4.2864.625 0.348 0.438 0.558 0.668 3.500 3.488 3.578 3.698 3.8084.750 -0.207 -0.117 0.003 0.113 3.625 3.017 3.107 3.227 3.3374.875 -0.751 -0.661 -0.541 -0.431 3.750 2.552 2.642 2.762 2.8725.000 -1.280 -1.190 -1.070 -0.960 3.875 2.093 2.183 2.303 2.4135.125 -1.793 -1.703 -1.583 -1.473 4.000 1.640 1.730 1.850 1.9605.250 -2.305 -2.215 -2.095 -1.985 4.125 1.191 1.281 1.401 1.5115.375 -2.814 -2.724 -2.604 -2.494 4.250 0.745 0.835 0.955 1.065

4.375 0.307 0.397 0.517 0.627 4.500 -0.127 -0.037 0.083 0.193 4.625 -0.557 -0.467 -0.347 -0.237 4.750 -0.983 -0.893 -0.773 -0.663

Rate 21-Day 30-Day 45-Day 60-Day Rate 21-Day 30-Day 45-Day 60-Day Rate 21-Day 30-Day 45-Day 60-Day2.875 3.165 3.255 3.325 3.425 3.125 3.083 3.173 3.243 3.343 3.375 3.013 3.103 3.173 3.2733.000 2.874 2.964 3.034 3.134 3.250 2.752 2.842 2.912 3.012 3.500 2.660 2.750 2.820 2.9203.125 2.584 2.674 2.744 2.844 3.375 2.421 2.511 2.581 2.681 3.625 2.308 2.398 2.468 2.5683.250 2.293 2.383 2.453 2.553 3.500 2.090 2.180 2.250 2.350 3.750 1.956 2.046 2.116 2.2163.375 2.002 2.092 2.162 2.262 3.625 1.759 1.849 1.919 2.019 3.875 1.603 1.693 1.763 1.8633.500 1.711 1.801 1.871 1.971 3.750 1.428 1.518 1.588 1.688 4.000 1.251 1.341 1.411 1.5113.625 1.420 1.510 1.580 1.680 3.875 1.097 1.187 1.257 1.357 4.125 0.899 0.989 1.059 1.1593.750 1.129 1.219 1.289 1.389 4.000 0.766 0.856 0.926 1.026 4.250 0.546 0.636 0.706 0.8063.875 0.838 0.928 0.998 1.098 4.125 0.460 0.550 0.620 0.720 4.375 0.194 0.284 0.354 0.4544.000 0.547 0.637 0.707 0.807 4.250 0.167 0.257 0.327 0.427 4.500 -0.151 -0.061 0.009 0.1094.125 0.256 0.346 0.416 0.516 4.250 -0.036 0.054 0.124 0.224

<=55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-80FICO Adjustments>=790 (1.000) (1.000) (1.000) (0.750) (0.500) (0.125)740-789 (0.375) (0.375) (0.375) (0.250) (0.125) 0.125730-739 (0.375) (0.375) (0.375) (0.250) n/a n/a720-729 0.125 0.125 0.125 0.250 n/a n/a700-719 0.125 0.125 n/a n/a n/a n/a

Other AdjustmentsPurchase Special (0.125) (0.125) (0.125) (0.125) (0.125) 0.000California 0.050 0.050 0.050 0.050 0.050 0.050Arizona 0.250 0.250 0.250 0.250 0.250 0.250New York 0.250 0.250 0.250 0.250 0.250 0.250Cash Out 0.250 0.500 0.500 n/a n/a n/aSecond Home 0.125 0.125 0.250 0.250 0.250 n/aCondo 0.000 0.000 0.000 0.000 0.625 0.625Loan Amount >$1MM - $1.5MM 0.000 0.000 0.000 0.000 0.250 0.375

Announcements / Notes- Rate sheet is indication pricing only - All loans must be priced on eXPRESS- Prices subject to change due to intraday market conditions without prior notification- All adjustments are in addition to applicable LLPA's and are subject to change by Investor without notice





Jumbo SupremeJumbo Supreme Fixed 30 (WJ30-015) Jumbo Supreme Fixed 15 (WJ15-015)

Jumbo Supreme 5/1 Libor Arm (WJ51L-015) Jumbo Supreme 7/1 Libor Arm (WJ71L-015) Jumbo Supreme 10/1 Libor Arm (WJ101L-015)

Underwriting NotesPLEASE ALLOW ADDITIONAL TURN TIME. NOT ELIGIBLE FOR 21 DAY PURCHASE GUARANTEE.

LOCK AT CONDITIONAL APPROVAL ONLY

-All prices are subject to price caps

Maximum 4 Financed Properties Regardless of OccupancyFixed/ARM LLPAs (Loan Level Price Adjustments) - Adjustments Are Not "Guidelines"

LTV:

FEATURES


- Please refer to Declining Market Index: Wholesale.LHFS.com/download/Supreme_Declining_Markets_Index.pdf

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https://wholesale.lhfs.com/download/Supreme_Declining_Markets_Index.pdf
















Rate 21-Day 30-Day 45-Day Rate 21-Day 30-Day 45-Day Rate 21-Day 30-Day 45-Day 3.875 2.543 2.668 2.793 3.875 1.779 1.904 2.029 3.625 1.895 2.020 2.145 4.000 1.985 2.110 2.235 4.000 1.285 1.410 1.535 3.750 1.448 1.573 1.698 4.125 1.302 1.427 1.552 4.125 0.693 0.818 0.943 3.875 1.010 1.135 1.260 4.250 0.634 0.759 0.884 4.250 0.108 0.233 0.358 4.000 0.585 0.710 0.835 4.375 -0.020 0.105 0.230 4.375 -0.466 -0.341 -0.216 4.125 0.137 0.262 0.387 4.500 -0.649 -0.524 -0.399 4.500 -1.024 -0.899 -0.774 4.250 -0.288 -0.163 -0.038 4.625 -1.189 -1.064 -0.939 4.625 -1.457 -1.332 -1.207 4.375 -0.652 -0.527 -0.402 4.750 -1.688 -1.563 -1.438 4.750 -1.542 -1.417 -1.292 4.500 -0.845 -0.720 -0.595 4.875 -2.106 -1.981 -1.856 4.875 -1.597 -1.472 -1.347 5.000 -2.340 -2.215 -2.090 5.000 -1.652 -1.527 -1.402 5.125 -2.326 -2.201 -2.076 5.125 -1.684 -1.559 -1.434

State LLPA State LLPA State LLPA < =60 60.01-65 65.01-70 70.01-75 75.01-80AK 0.000 KY 0.020 OH 0.010 (0.375) (0.375) (0.375) (0.250) (0.125)AL 0.050 LA 0.070 OK (0.040) (0.375) (0.375) (0.375) (0.125) 0.000AR (0.020) MA 0.020 OR 0.020 (0.375) (0.250) (0.250) 0.000 0.125AZ 0.020 MD 0.300 PA 0.020 (0.250) (0.125) (0.125) 0.125 0.250CA 0.060 ME 0.140 RI (0.020) (0.250) (0.125) 0.250 0.500 0.750CO 0.140 MI (0.050) SC 0.050 0.000 0.125 0.625 1.250 1.500CT 0.030 MN (0.020) SD 0.000 0.000 0.375 1.250 2.375 2.625DC 0.000 MO (0.040) TN 0.010DE 0.080 MT (0.020) TX (0.050) (0.375) (0.375) (0.250) 0.000 0.125FL 0.190 NC 0.030 UT 0.040 (0.375) (0.375) (0.125) 0.125 0.250GA (0.010) ND 0.060 VA 0.070 (0.375) (0.250) 0.000 0.250 0.375HI 0.060 NE 0.000 VT 0.020 (0.250) (0.125) 0.125 0.375 0.500IA (0.050) NH (0.010) WA 0.250 0.000 0.125 0.500 0.750 1.000ID 0.070 NJ 0.020 WI (0.040) 0.250 0.375 0.875 1.500 1.750IL 0.100 NM 0.040 WV (0.020) n/a n/a n/a n/a n/aIN 0.100 NV 0.170 WY 0.010KS 0.010 NY (0.050)

< =60 60.01-65 65.01-70 70.01-75 75.01-800.000 0.125 0.250 0.375 0.7500.000 0.250 0.375 n/a n/a1.500 2.000 n/a n/a n/a0.500 0.625 n/a n/a n/a0.250 0.500 n/a n/a n/a0.500 0.750 n/a n/a n/a0.250 0.250 0.250 0.250 0.2500.000 0.000 0.000 0.000 0.0000.250 0.250 0.250 0.250 0.250

Announcements / Notes- Rate sheet is indication pricing only - All loans must be priced on eXPRESS- Prices subject to change due to intraday market conditions without prior notification- All adjustments are in addition to applicable LLPA's and are subject to change by Investor without notice





Elite JumboElite Jumbo Fixed 30 (WJ30-080) Elite Jumbo Fixed 20 (WJ20-080) Elite Jumbo Fixed 15 (WJ15-080)

Underwriting NotesPLEASE ALLOW ADDITIONAL TURN TIME. NOT ELIGIBLE FOR 21 DAY PURCHASE GUARANTEE.

LOCK AT CONDITIONAL APPROVAL ONLYMaximum 4 Financed Properties Regardless of Occupancy

JUMBO FIXED ADJUSTERS - All Loan Level Price Adjustments (LLPAs) are Cumulative - Rate Sheets Are Not "Guidelines"State LLPAs FICO / LTV LLPAs: Applicable for loan amounts <=$850,000

FICO / LTV>= 800

780 - 799760 - 779740 - 759720 - 739700 - 719680 - 699

FICO / LTV LLPAs: Applicable for loan amounts >$850,000>= 800

780 - 799760 - 779740 - 759720 - 739700 - 719680 - 699

Feature / LTV LLPAsFeature / LTV

Condo2nd HomeInvestment

Cashout2-Unit

3-4 Unit

-All prices are subject to price caps

Escrow WaiverCA Escrow Waiver

New York Adjustment


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4.250 -0.215 -0.113 -0.030 0.064 3.250 4.875 5.031 5.094 5.094 3.500 3.311 3.386 3.454 3.531

4.375 -0.761 -0.659 -0.576 -0.482 3.375 4.629 4.731 4.814 4.908 3.625 2.953 3.028 3.096 3.173

4.500 -1.278 -1.176 -1.093 -0.999 3.500 3.995 4.097 4.180 4.274 3.750 2.156 2.281 2.413 2.438

4.625 -1.634 -1.532 -1.449 -1.355 3.625 3.548 3.650 3.733 3.827 3.875 1.822 1.897 1.965 2.042

4.750 -2.018 -1.932 -1.789 -1.646 3.750 2.203 2.328 2.453 2.453 4.000 1.394 1.469 1.537 1.614

4.875 -2.488 -2.402 -2.259 -2.116 3.875 2.045 2.147 2.230 2.324 4.125 1.067 1.142 1.210 1.287

5.000 -2.942 -2.856 -2.713 -2.570 4.000 1.465 1.567 1.650 1.744 4.250 1.661 1.736 1.804 1.881

5.125 -3.382 -3.296 -3.153 -3.010 4.125 1.061 1.163 1.246 1.340 4.375 1.253 1.328 1.396 1.473

5.250 -3.088 -3.002 -2.859 -2.716 4.250 0.016 0.172 0.313 0.313 4.500 0.868 0.943 1.011 1.088

5.375 -3.528 -3.442 -3.299 -3.156 4.375 -0.011 0.091 0.174 0.268 4.625 0.574 0.649 0.717 0.794


3.250 5.875 6.031 6.094 6.094 3.250 4.406 4.500 4.594 4.594

3.375 5.875 5.981 6.064 6.094 3.375 4.280 4.355 4.423 4.500

3.500 5.245 5.347 5.430 5.524 3.500 3.811 3.886 3.954 4.031

3.625 4.798 4.900 4.983 5.077 3.625 3.453 3.528 3.596 3.673

3.750 3.203 3.328 3.453 3.453 3.750 2.156 2.281 2.438 2.438

3.875 3.203 3.328 3.453 3.453 3.875 2.156 2.281 2.438 2.438

4.000 2.715 2.817 2.900 2.994 4.000 1.894 1.969 2.037 2.114

4.125 2.311 2.413 2.496 2.590 4.125 1.567 1.642 1.710 1.787

4.250 1.016 1.172 1.313 1.313 4.250 1.828 2.000 2.156 2.156

4.375 1.016 1.172 1.313 1.313 4.375 1.753 1.828 1.896 1.973

4.500 0.722 0.824 0.907 1.001 4.500 1.368 1.443 1.511 1.588


3.250 6.625 6.781 6.781 6.844 3.750 1.902 2.004 2.087 2.181 2.250 8.781 10.219 10.219 10.234

3.375 3.879 3.879 3.981 4.064 3.875 1.295 1.397 1.480 1.574 2.375 8.781 10.219 10.219 10.234

3.500 3.245 3.245 3.347 3.430 4.000 0.715 0.817 0.900 0.994 2.500 8.781 10.219 10.219 10.234

3.625 2.798 2.798 2.900 2.983 4.125 0.311 0.413 0.496 0.590 2.625 8.781 10.219 10.219 10.234

3.750 1.902 1.902 2.004 2.087 4.250 -0.215 -0.113 -0.030 0.064 2.750 5.747 5.822 5.890 5.967

3.875 1.295 1.295 1.397 1.480 4.375 -0.761 -0.659 -0.576 -0.482 2.875 5.234 5.309 5.377 5.454

4.000 0.715 0.715 0.817 0.900 4.500 -1.278 -1.176 -1.093 -0.999 3.000 4.732 4.807 4.875 4.952

4.125 0.311 0.311 0.413 0.496 4.625 -1.634 -1.532 -1.449 -1.355 3.125 4.341 4.416 4.484 4.561

4.250 -0.215 -0.215 -0.113 -0.030 4.750 -1.653 -1.551 -1.468 -1.374 3.250 3.266 3.341 3.409 3.486

4.375 -0.761 -0.761 -0.659 -0.576 4.875 -2.133 -2.031 -1.948 -1.854 3.375 2.780 2.855 2.923 3.000


3.500 4.245 4.347 4.430 4.524 3.500 3.311 3.386 3.454 3.531

3.625 3.798 3.900 3.983 4.077 3.625 2.953 3.028 3.096 3.173

3.750 2.902 3.004 3.087 3.181 3.750 2.156 2.281 2.413 2.438

3.875 2.295 2.397 2.480 2.574 3.875 1.822 1.897 1.965 2.042

4.000 1.715 1.817 1.900 1.994 4.000 1.394 1.469 1.537 1.614

4.125 1.311 1.413 1.496 1.590 4.125 1.067 1.142 1.210 1.287

4.250 0.785 0.887 0.970 1.064 4.250 1.661 1.736 1.804 1.881

4.375 0.239 0.341 0.424 0.518 4.375 1.253 1.328 1.396 1.473

4.500 -0.278 -0.176 -0.093 0.001 4.500 0.868 0.943 1.011 1.088

4.625 -0.634 -0.532 -0.449 -0.355 4.625 0.574 0.649 0.717 0.794

4.750 -0.653 -0.551 -0.468 -0.374 4.750 1.828 2.000 2.156 2.156

FICO 580-599 2.500 FHA Cash Out (Min FICO 620) 0.500FICO 600-619 2.000 VA Cash Out (Min FICO 640) 0.250 2.000FICO 620 - 639 1.000 Manual U/W 0.000 1.250FICO 640 - 659 0.500 New York Adjustment 0.250 0.750FICO 720+ -0.250 0.250



Maximum Rebate After Adjustments - 105.00 (104.00 for MH FHA 30 Yr and 25 Yr Fixed Standard)Rate Sheets Represent Borrower Paid Compensation. Pricing in the eXPRESS portal includes all Loan Level Adjustments,


Government Manufactured Housing ProductMH FHA 30 Yr Fixed Standard (WMHFHA30-000) MH FHA 20 Yr Fixed Standard (WMHFHA20-000) MH FHA 15 Yr Fixed Standard (WMHFHA15-000)

MH FHA 30 Yr Streamline No Appraisal Standard MH FHA 15 Yr Fixed Streamline CQNA(WMHFHA30CQSLNA-000) (WMHFHA15CQSLNA-000)

MH VA 30 Yr Fixed Standard (WMHVA30-000) MH VA 20Yr Fixed Standard (WMHVA20-000) MH VA 15Yr Fixed Standard (WMHVA15-000)

Loan Amt 100,001 - 125,000New York Adjustment


MH VA IRRRL Fixed 30 (WMHVA30IRRRL-000) MH VA IRRRL Fixed 15 (WMHVA15IRRRL-000)

LLPAs (Loan Level Price Adjustments) - Adjustments Are Not "Guidelines"MH VA Products Only

Loan Amt <= 50,000Loan Amt 50,001 - 100,000

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Rate 21-Day 30-Day 45-Day 60-Day Rate 21-Day 30-Day 45-Day 60-Day Rate 21-Day 30-Day 45-Day 60-Day3.625 7.172 7.237 7.299 7.417 3.750 4.632 4.713 4.784 4.901 2.750 7.170 7.235 7.299 7.4243.750 6.285 6.349 6.411 6.529 3.875 3.834 3.914 3.985 4.103 2.875 6.104 6.144 6.184 6.2623.875 5.533 5.598 5.660 5.778 4.000 3.088 3.169 3.239 3.357 3.000 5.566 5.607 5.647 5.7254.000 4.796 4.860 4.922 5.040 4.125 2.436 2.517 2.587 2.705 3.125 5.021 5.061 5.101 5.1794.125 3.985 4.050 4.112 4.230 4.250 1.813 1.894 1.964 2.082 3.250 4.447 4.488 4.528 4.6054.250 3.214 3.279 3.341 3.459 4.375 1.206 1.303 1.389 1.537 3.375 4.079 4.127 4.175 4.2694.375 2.545 2.610 2.672 2.790 4.500 0.645 0.742 0.828 0.975 3.500 3.536 3.585 3.633 3.7264.500 1.989 2.054 2.116 2.233 4.625 -0.088 0.009 0.095 0.242 3.625 2.997 3.045 3.094 3.1874.625 1.261 1.342 1.419 1.566 4.750 -0.693 -0.596 -0.511 -0.363 3.750 2.441 2.490 2.538 2.6314.750 0.527 0.608 0.685 0.833 4.875 -1.165 -1.068 -0.982 -0.835 3.875 2.004 2.068 2.133 2.2574.875 -0.094 -0.014 0.064 0.211 5.000 -1.581 -1.484 -1.398 -1.251 4.000 1.485 1.550 1.614 1.7385.000 -0.599 -0.518 -0.441 -0.293 5.125 -2.033 -1.920 -1.818 -1.642 4.125 0.969 1.034 1.098 1.222

Rate 21-Day 30-Day 45-Day 60-Day Rate 21-Day 30-Day 45-Day 60-Day Rate 21-Day 30-Day 45-Day 60-Day3.875 8.222 8.287 8.349 8.466 3.750 7.319 7.383 7.445 7.563 3.125 7.726 7.783 7.837 7.9154.000 7.557 7.622 7.684 7.801 3.875 6.495 6.559 6.621 6.739 3.250 7.065 7.122 7.176 7.2544.125 6.564 6.629 6.690 6.808 4.000 5.834 5.898 5.960 6.078 3.375 6.804 6.861 6.915 6.9934.250 5.523 5.588 5.650 5.768 4.125 5.299 5.363 5.425 5.543 3.500 6.171 6.236 6.298 6.3914.375 4.690 4.755 4.817 4.934 4.250 4.498 4.563 4.625 4.742 3.625 5.481 5.546 5.608 5.7014.500 4.074 4.141 4.204 4.322 4.375 3.758 3.823 3.885 4.003 3.750 4.842 4.906 4.969 5.0624.625 3.067 3.147 3.225 3.372 4.500 3.149 3.214 3.275 3.393 3.875 4.385 4.466 4.544 4.6694.750 2.078 2.159 2.237 2.384 4.625 2.651 2.716 2.778 2.895 4.000 3.723 3.803 3.882 4.0064.875 1.302 1.383 1.460 1.608 4.750 1.880 1.961 2.038 2.186 4.125 3.063 3.144 3.222 3.3465.000 0.747 0.828 0.905 1.053 4.875 1.196 1.277 1.354 1.501 4.250 2.429 2.510 2.589 2.7135.125 0.274 0.355 0.433 0.580 5.000 0.644 0.725 0.803 0.950 4.375 2.220 2.301 2.379 2.504

Rate 12-Day 21-Day 30-Day 45-Day Rate 12-Day 21-Day 30-Day 45-Day Rate 12-Day 21-Day 30-Day 45-Day3.750 5.958 6.010 6.081 6.124 3.500 6.294 6.345 6.445 6.487 3.250 3.450 3.478 3.537 3.5613.875 5.306 5.358 5.430 5.473 3.625 5.385 5.436 5.537 5.580 3.375 2.939 2.967 3.028 3.0514.000 4.585 4.637 4.710 4.754 3.750 4.504 4.556 4.658 4.701 3.500 2.509 2.559 2.613 2.6544.125 3.718 3.771 3.845 3.889 3.875 3.780 3.831 3.936 3.978 3.625 1.959 2.009 2.063 2.1044.250 3.073 3.147 3.207 3.267 4.000 3.070 3.122 3.229 3.272 3.750 1.380 1.430 1.485 1.5264.375 2.391 2.464 2.524 2.585 4.125 2.361 2.412 2.526 2.569 3.875 0.808 0.858 0.913 0.9554.500 1.702 1.776 1.837 1.897 4.250 1.731 1.803 1.896 1.955 4.000 0.404 0.476 0.557 0.6164.625 0.993 1.067 1.133 1.194 4.375 1.079 1.151 1.246 1.306 4.125 -0.140 -0.068 0.015 0.0744.750 0.363 0.458 0.530 0.608 4.500 0.513 0.586 0.684 0.744 4.250 -0.422 -0.350 -0.268 -0.2094.875 -0.273 -0.178 -0.105 -0.026 4.625 -0.178 -0.106 -0.004 0.056 5.000 -0.845 -0.750 -0.679 -0.601 4.750 -0.837 -0.743 -0.639 -0.561 5.125 -1.423 -1.328 -1.258 -1.179 4.875 -1.375 -1.281 -1.173 -1.096

Rate 12-Day 21-Day 30-Day 45-Day Rate 12-Day 21-Day 30-Day 45-Day Rate 12-Day 21-Day 30-Day 45-Day3.750 7.458 7.510 7.581 7.624 3.750 5.754 5.806 5.908 5.951 2.875 7.515 7.543 7.599 7.6233.875 6.806 6.858 6.930 6.973 3.875 5.030 5.081 5.186 5.228 3.000 6.801 6.830 6.886 6.9094.000 6.085 6.137 6.210 6.254 4.000 4.320 4.372 4.479 4.522 3.125 6.103 6.132 6.189 6.2124.125 5.218 5.271 5.345 5.389 4.125 3.611 3.662 3.776 3.819 3.250 5.480 5.508 5.567 5.5904.250 4.573 4.647 4.707 4.767 4.250 2.981 3.053 3.146 3.205 3.375 4.950 4.978 5.037 5.0614.375 3.891 3.964 4.024 4.085 4.375 2.329 2.401 2.496 2.556 3.500 4.439 4.467 4.528 4.5514.500 3.202 3.276 3.337 3.397 4.500 1.763 1.836 1.934 1.994 3.625 4.009 4.059 4.113 4.1544.625 2.493 2.567 2.633 2.694 4.625 1.072 1.144 1.246 1.306 3.750 3.459 3.509 3.563 3.6044.750 1.863 1.958 2.030 2.108 4.750 0.413 0.507 0.611 0.689 3.875 2.880 2.930 2.985 3.0264.875 1.227 1.322 1.395 1.474 4.875 -0.125 -0.031 0.077 0.154 4.000 2.308 2.358 2.413 2.4555.000 0.655 0.750 0.821 0.899 5.000 -0.541 -0.447 -0.338 -0.261 4.125 1.904 1.976 2.057 2.116

<=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97 97.01-105 > 1050.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.5001.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.0002.125 2.125 2.125 2.125 3.375 4.125 4.125 4.125 4.125 4.125 4.1250.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.5000.250 0.250 0.250 0.250 0.250 0.250 0.250 0.250 0.250 0.250 0.2500.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.1250.250 0.250 0.250 0.250 0.250 0.250 0.250 0.250 0.250 0.250 0.250

0.000 0.250 0.250 0.250 0.250 0.000 0.000 0.000 0.000 0.000 0.0000.000 0.250 0.250 0.250 0.250 0.000 0.000 0.000 0.000 0.000 0.0000.000 0.500 0.500 0.750 0.750 0.500 0.500 0.500 0.500 0.500 0.5000.000 0.500 0.500 0.750 0.750 0.750 0.750 0.500 0.500 0.500 0.5000.000 1.000 1.000 1.500 1.750 1.750 1.750 1.250 1.250 1.250 1.2500.500 1.250 1.250 2.000 2.250 2.250 2.250 1.750 1.750 1.750 1.7500.500 1.500 1.500 2.500 2.750 2.750 2.750 2.500 2.500 2.500 2.500

0.000 0.250 0.250 0.250 0.500 0.000 0.000 0.000 0.000 0.000 0.0000.000 0.250 0.250 0.500 0.750 0.000 0.000 0.000 0.000 0.000 0.0000.000 0.500 0.500 1.000 1.250 0.500 0.500 0.500 0.500 0.500 0.5000.000 0.500 0.500 1.250 1.750 1.000 0.750 0.750 0.750 0.750 0.7500.000 1.000 1.000 2.250 2.750 2.250 1.750 1.750 1.750 1.750 1.7500.500 1.250 1.250 2.750 3.000 2.750 2.250 2.250 2.250 2.250 2.2500.500 1.500 1.500 3.000 3.000 2.750 2.750 2.750 2.750 2.750 2.750





Manufactured Housing DU Refi Plus - Up to 105%MH DU Refi Plus Conf Fixed 25 (WMH25DURP-000) MH DU Refi Plus Conf Fixed 20 (WMH20DURP-000) MH DU Refi Plus Conf Fixed 15 (WMH15DURP-000)

Manufactured Housing DU Refi Plus - Over 105%MH Fixed 25 DURP 105+ (WMH225DURP-000) MH Fixed 20 DURP 105+ (WMH220DURP-000) MH Fixed 15 DURP 105+ (WMH215DURP-000)

Manufactured Housing FHLMC Relief Refi - Up to 105%Conf MH Relief Refi Fixed 25 (WMHRR25-006) Conf MH Relief Refi Fixed 20 (WMHRR20-006) Conf MH Relief Refi Fixed 15 (WMHRR15-006)

Manufactured Housing FHLMC Relief Refi - Over 105%Conf MH Relief Refi Fixed 25 105+ (WMHRR225-006) Conf MH Relief Refi Fixed 20 105+ (WMHRR220-006) Conf MH Relief Refi Fixed 15 105+ (WMHRR215-006)

LLPAs (Loan Level Price Adjustments) - Adjustments Are Not "Guidelines"Description / LTV

MH DU Refi Plus - Up to & Over 105%MH FHLMC Open Access - Up to & Over 105%Investment Property (as applicable or available)Loan Amount <= $50,000Loan Amount $50,001 - $75,000Loan Amount $75,001 - $99,999New York Adjustment

DURP FICO Adjustments (All Transactions Types) w/terms greater than 15 years740+720 - 739700 - 719680 - 699660 - 679640 - 659<=639

Relief Refi FICO Adjustments (All Transactions Types) w/terms greater than 15 years740+720 - 739700 - 719680 - 699660 - 679640 - 659<=639

Secondary Financing LLPAs - DUAll loans with secondary financing 0.375 This fee is in addition to the fees below based on FICO and LTV/CLTV

LTV Range TLTV Range Credit Score < 720 Credit Score >= 72065.01% - 75.00% 90.01% - 95.00% 0.500 0.25075.01% - 95.00% 90.01% - 95.00% 0.500 0.25075.01% - 90.00% 76.01% - 90.00% 0.250 0.000Any >95% 1.500

These LLPAs do not apply if the secondary financing is a Community Seconds loan.Secondary Financing LLPAs - LP

LTV Range TLTV Range Credit Score < 720 Credit Score >= 720<=75% <=80% 0.375 0.375<=65% 80.01% - 95.00% 0.875 0.62565.01% - 75.00% 80.01% - 95.00% 1.125 0.87575.01% - 80.00% 75.01% - 95.00% 1.375 1.12580.01% - 90.00% 81.01% - 95.00% 1.375 0.87590.01% - 95.00% 91.01% - 95.00% 0.875 0.625Any >95% 1.875 1.875


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Rate 12-Day 21-Day 30-Day 45-Day Rate 12-Day 21-Day 30-Day 45-Day Rate 12-Day 21-Day 30-Day 45-Day3.500 5.796 5.911 5.995 6.074 3.750 4.147 4.262 4.346 4.425 3.750 2.591 2.659 2.739 2.8103.625 4.901 5.016 5.100 5.179 3.875 3.497 3.612 3.685 3.747 3.875 2.012 1.913 1.994 2.0643.750 4.147 4.262 4.346 4.425 4.000 2.810 2.810 2.875 2.937 4.000 1.356 1.261 1.342 1.4123.875 3.497 3.612 3.685 3.747 4.125 2.039 2.039 2.104 2.166 4.125 0.739 0.638 0.719 0.7894.000 2.864 2.810 2.875 2.937 4.250 1.370 1.370 1.435 1.497 4.250 0.042 0.031 0.128 0.2144.125 2.116 2.039 2.104 2.166 4.375 0.814 0.814 0.879 0.941 4.375 -0.539 -0.530 -0.433 -0.3474.250 1.472 1.370 1.435 1.497 4.500 0.086 0.086 0.167 0.244 4.500 -1.097 -1.263 -1.166 -1.0804.375 0.880 0.814 0.879 0.941 4.625 -0.648 -0.648 -0.567 -0.490 4.625 -1.673 -1.868 -1.771 -1.6864.500 0.321 0.086 0.167 0.244 4.750 -1.269 -1.269 -1.189 -1.111 4.750 -2.167 -2.340 -2.243 -2.1574.625 -0.348 -0.648 -0.567 -0.490 4.875 -1.774 -1.774 -1.693 -1.616 4.875 -2.626 -2.756 -2.659 -2.5734.750 -0.930 -1.269 -1.189 -1.111 5.000 -2.325 -2.325 -2.228 -2.136 5.000 -3.059 -3.208 -3.095 -2.9934.875 -1.440 -1.774 -1.693 -1.616 5.125 -3.041 -3.041 -2.944 -2.851 5.125 -3.531 -3.803 -3.690 -3.5895.000 -1.931 -2.325 -2.228 -2.136 5.250 -3.658 -3.658 -3.561 -3.469 5.250 -3.984 -4.266 -4.153 -4.051

Rate 12-Day 21-Day 30-Day 45-Day Rate 12-Day 21-Day 30-Day 45-Day3.250 3.000 3.000 3.000 3.000 2.750 3.9273.375 2.458 2.458 2.458 2.458 2.875 3.5693.500 1.919 1.919 1.919 1.919 3.000 3.2083.625 1.363 1.363 1.363 1.363 3.125 2.9113.750 0.958 0.958 0.958 0.958 3.250 3.387 3.481 3.541 2.2023.875 0.439 0.439 0.439 0.439 3.375 2.553 2.647 2.707 1.8424.000 -0.077 -0.077 -0.077 -0.077 3.500 2.080 2.174 2.234 1.4844.125 -0.626 -0.626 -0.626 -0.626 3.625 1.644 1.738 1.798 1.1984.250 -0.817 -0.817 -0.817 -0.817 3.750 1.038 1.132 1.192 0.4704.375 -1.113 -1.113 -1.113 -1.113 3.875 0.737 0.831 0.891 0.1274.500 -1.383 -1.383 -1.383 -1.383 4.000 0.221 0.315 0.375 -0.2154.625 -1.748 -1.748 -1.748 -1.748 4.125 -0.229 -0.135 -0.075 -0.499

<=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97 97.01-105 > 1050.000 0.250 0.250 0.250 0.250 n/a n/a n/a n/a n/a n/a0.000 0.250 0.250 0.250 0.250 n/a n/a n/a n/a n/a n/a0.000 0.500 0.500 0.750 0.750 n/a n/a n/a n/a n/a n/a0.000 0.500 0.500 0.750 0.750 n/a n/a n/a n/a n/a n/a0.000 1.000 1.000 1.500 1.750 n/a n/a n/a n/a n/a n/a0.500 1.250 1.250 2.000 2.250 n/a n/a n/a n/a n/a n/a0.500 1.500 1.500 2.500 2.750 n/a n/a n/a n/a n/a n/a0.500 1.500 1.500 3.000 3.000 n/a n/a n/a n/a n/a n/a

<=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97 97.01-105 > 1050.000 0.000 0.000 0.000 0.750 n/a n/a n/a n/a n/a n/a2.125 2.125 2.125 2.125 3.375 n/a n/a n/a n/a n/a n/a1.000 1.000 1.000 1.000 1.000 n/a n/a n/a n/a n/a n/a0.250 0.250 0.250 0.250 0.250 n/a n/a n/a n/a n/a n/a





DU REFI PLUSDU Refi Plus 30 Yr Fixed (WCRP30-000) DU Refi Plus 25 Yr Fixed (WCRP25-000) DU Refi Plus 20 Yr Fixed (WCRP20-000)

Under 80% LTV - Unlimited CLTV Under 80% LTV - Unlimited CLTV Under 80% LTV - Unlimited CLTV

DU Refi Plus 15 Yr Fixed (WCRP15-000) DU Refi Plus 10 Yr Fixed (WCRP10-000)Under 80% LTV - Unlimited CLTV

Our goal is to provide a "One Touch" approval

with closings in 21 days or less (Pending MI and Appraisal requirements)

Please use the HARP Loan Submission Form.

Under 80% LTV - Unlimited CLTV

DU Refi Plus LLPAs (Loan Level Price Adjustments)Adjustments Are Not "Guidelines"

FICO Adjustments (All Transactions Types) w/terms greater than 15 yearsFICO / LTV

740+720 - 739700 - 719680 - 699660 - 679640 - 659621 - 639<=620

Additional LLPAs (Loan Level Price Adjustments)Description / LTV

Condominiums (Loan Terms > 15 Years)Investment Property2-4 UnitsNew York Adjustment Manufactured Home See Manufactured Housing Specific Ratesheet


LTV Range TLTV Range Credit Score < 720 Credit Score >= 72065.01% - 75.00% 90.01% - 95.00% 0.500 0.25075.01% - 95.00% 90.01% - 95.00% 0.500 0.25075.01% - 90.00% 76.01% - 90.00% 0.250 0.000

All loans must be ran through Desktop Underwriter and receive the recommendation: Approve/Eligible DU REFI PLUSAll LTV's Under 80% Adjustment Cap is Limited to 2%. | Any LTV N/O/O or 2nd Home Adjustment Cap is Limited to 2%.

O/O LTV > 80% Term > 20yrs is limited to .75% (Not Including Escrow Waiver) O/O LTV>80% Term <=20yrs Adjustment Cap is Limited to 012 Day Lock mandatory and will incur a penalty of .25 plus normal extension cost. Clean, Clear to Close files on this lock period.

Any >95% 1.500These LLPAs do not apply if the secondary financing is a Community Seconds loan.

Lock Extension Fee: 2.5 BPS Per DayImportant Notes

X23A0T














































Rate 21-Day 30-Day 45-Day 60-Day Rate 21-Day 30-Day 45-Day 60-Day Rate 21-Day 30-Day 45-Day 60-Day3.500 6.247 6.312 6.374 6.492 3.750 4.358 4.423 4.485 4.603 3.750 2.659 2.739 2.810 2.9283.625 5.360 5.424 5.486 5.604 3.875 3.621 3.685 3.747 3.865 3.875 1.913 1.994 2.064 2.1823.750 4.608 4.673 4.735 4.853 4.000 2.810 2.875 2.937 3.055 4.000 1.261 1.342 1.412 1.5303.875 3.871 3.935 3.997 4.115 4.125 2.039 2.104 2.166 2.284 4.125 0.638 0.719 0.789 0.9074.000 3.060 3.125 3.187 3.305 4.250 1.370 1.435 1.497 1.615 4.250 0.031 0.128 0.214 0.3624.125 2.289 2.354 2.416 2.534 4.375 0.814 0.879 0.941 1.058 4.375 -0.530 -0.433 -0.347 -0.2004.250 1.620 1.685 1.747 1.865 4.500 0.086 0.167 0.244 0.391 4.500 -1.263 -1.166 -1.080 -0.9334.375 1.064 1.129 1.191 1.308 4.625 -0.648 -0.567 -0.490 -0.342 4.625 -1.868 -1.771 -1.686 -1.5384.500 0.336 0.417 0.494 0.641 4.750 -1.269 -1.189 -1.111 -0.964 4.750 -2.340 -2.243 -2.157 -2.0104.625 -0.398 -0.317 -0.240 -0.092 4.875 -1.774 -1.693 -1.616 -1.468 4.875 -2.756 -2.659 -2.573 -2.4264.750 -1.019 -0.939 -0.861 -0.714 5.000 -2.325 -2.228 -2.136 -1.959 5.000 -3.208 -3.095 -2.993 -2.8174.875 -1.524 -1.443 -1.366 -1.218 5.125 -3.041 -2.944 -2.851 -2.674 5.125 -3.803 -3.690 -3.589 -3.412

Rate 21-Day 30-Day 45-Day 60-Day Rate 21-Day 30-Day 45-Day 60-Day3.250 2.904 2.952 3.000 3.094 2.750 4.036 4.109 4.177 4.2543.375 2.361 2.410 2.458 2.551 2.875 3.678 3.751 3.819 3.8963.500 1.822 1.870 1.919 2.012 3.000 3.317 3.390 3.458 3.5363.625 1.266 1.315 1.363 1.456 3.125 3.020 3.093 3.161 3.2393.750 0.829 0.893 0.958 1.082 3.250 2.295 2.376 2.452 2.5453.875 0.310 0.375 0.439 0.563 3.375 1.935 2.016 2.092 2.1864.000 -0.206 -0.141 -0.077 0.047 3.500 1.577 1.658 1.734 1.8274.125 -0.755 -0.691 -0.626 -0.502 3.625 1.291 1.372 1.448 1.5424.250 -0.946 -0.881 -0.817 -0.693 3.750 0.560 0.641 0.720 0.8444.375 -1.242 -1.178 -1.113 -0.989 3.875 0.218 0.299 0.377 0.5024.500 -1.512 -1.448 -1.383 -1.259 4.000 -0.124 -0.043 0.035 0.1594.625 -1.943 -1.846 -1.748 -1.546 4.125 -0.408 -0.327 -0.249 -0.1244.750 -2.091 -1.994 -1.896 -1.694 4.250 -0.619 -0.538 -0.459 -0.335

<=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97 97.01-105 > 105n/a n/a n/a n/a n/a 0.000 0.000 0.000 0.000 0.000 n/an/a n/a n/a n/a n/a 0.000 0.000 0.000 0.000 0.000 n/an/a n/a n/a n/a n/a 0.500 0.500 0.500 0.500 0.500 n/an/a n/a n/a n/a n/a 0.750 0.750 0.750 0.500 0.500 n/an/a n/a n/a n/a n/a 1.750 1.750 1.750 1.250 1.250 n/an/a n/a n/a n/a n/a 2.250 2.250 2.250 1.750 1.750 n/an/a n/a n/a n/a n/a 2.750 2.750 2.750 2.500 2.500 n/an/a n/a n/a n/a n/a 3.000 3.000 3.000 3.000 3.000 n/a

<=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97 97.01-105 > 105n/a n/a n/a n/a n/a 0.750 0.750 0.750 0.750 0.750 n/an/a n/a n/a n/a n/a 4.125 n/a n/a n/a n/a n/an/a n/a n/a n/a n/a 1.000 1.000 1.000 1.000 1.000 n/an/a n/a n/a n/a n/a 0.250 0.250 0.250 0.250 0.250 n/a

n/a n/a n/a n/a n/a 0.000 0.000 0.000 0.500 1.000 n/a





DU REFI PLUS 80.01-105%Conf DURP Fixed 30 - 80.01-105 (WCRP130-003) Conf DURP Fixed 25 - 80.01-105 (WCRP125-003) Conf DURP Fixed 20 - 80.01-105 (WCRP120-003)

80.01-105% LTV - Unlimited CLTV 80.01-105% LTV - Unlimited CLTV 80.01-105% LTV - Unlimited CLTV

Conf DURP Fixed 15 - 80.01-105 (WCRP115-003) Conf DURP Fixed 10 - 80.01-105 (WCRP110-003)80.01-105% LTV - Unlimited CLTV


with closings in 21 days or less (Pending MI and

Appraisal requirements) Please use the HARP Loan

Submission Form.

80.01-105% LTV - Unlimited CLTV



740+720 - 739700 - 719680 - 699660 - 679640 - 659621 - 639<=620


Condominiums (Loan Terms > 15 Years)Investment Property2-4 UnitsNew York Adjustment Manufactured Home See Manufactured Housing Specific RatesheetHigh LTV


LTV Range TLTV Range Credit Score < 720 Credit Score >= 72065.01% - 75.00% 90.01% - 95.00% n/a n/a75.01% - 95.00% 90.01% - 95.00% 0.500 0.25075.01% - 90.00% 76.01% - 90.00% 0.250 0.000





X24A0T














































Rate 21-Day 30-Day 45-Day 60-Day Rate 21-Day 30-Day 45-Day 60-Day Rate 21-Day 30-Day 45-Day 60-Day3.750 6.297 6.362 6.424 6.541 4.250 2.265 2.330 2.392 2.509 3.750 4.570 4.634 4.696 4.8143.875 5.632 5.697 5.759 5.876 4.375 1.649 1.716 1.779 1.897 3.875 3.909 3.973 4.035 4.1534.000 4.639 4.704 4.765 4.883 4.500 0.642 0.722 0.800 0.947 4.000 3.374 3.438 3.500 3.6184.125 3.598 3.663 3.725 3.843 4.625 -0.347 -0.266 -0.188 -0.041 4.125 2.573 2.638 2.700 2.8174.250 2.765 2.830 2.892 3.009 4.750 -1.123 -1.042 -0.965 -0.817 4.250 1.833 1.898 1.960 2.0784.375 2.149 2.216 2.279 2.397 4.875 -1.678 -1.597 -1.520 -1.372 4.375 1.224 1.289 1.350 1.4684.500 1.142 1.222 1.300 1.447 5.000 -2.151 -2.070 -1.992 -1.845 4.500 0.726 0.791 0.853 0.9704.625 0.153 0.234 0.312 0.459 5.125 -2.972 -2.875 -2.783 -2.606 4.625 -0.045 0.036 0.113 0.2614.750 -0.623 -0.542 -0.465 -0.317 5.250 -3.745 -3.648 -3.555 -3.378 4.750 -0.729 -0.648 -0.571 -0.4244.875 -1.178 -1.097 -1.020 -0.872 5.375 -4.306 -4.209 -4.117 -3.940 4.875 -1.281 -1.200 -1.122 -0.9755.000 -1.651 -1.570 -1.492 -1.345 5.500 -4.691 -4.594 -4.501 -4.324 5.000 -1.724 -1.643 -1.566 -1.4185.125 -2.472 -2.375 -2.283 -2.106 5.125 -2.267 -2.170 -2.078 -1.901

Rate 21-Day 30-Day 45-Day 60-Day Rate 21-Day 30-Day 45-Day 60-Day3.000 5.551 5.608 5.662 5.740 3.250 4.629 4.686 4.740 4.8183.125 4.890 4.947 5.001 5.079 3.375 3.996 4.061 4.123 4.2163.250 4.629 4.686 4.740 4.818 3.500 3.306 3.371 3.433 3.5263.375 3.996 4.061 4.123 4.216 3.625 2.667 2.731 2.794 2.8873.500 3.306 3.371 3.433 3.526 3.750 2.210 2.291 2.369 2.4943.625 2.667 2.731 2.794 2.887 3.875 1.548 1.628 1.707 1.8313.750 2.210 2.291 2.369 2.494 4.000 0.888 0.969 1.047 1.1713.875 1.548 1.628 1.707 1.831 4.125 0.254 0.335 0.414 0.5384.000 0.888 0.969 1.047 1.171 4.250 0.045 0.126 0.204 0.3294.125 0.254 0.335 0.414 0.538 4.375 -0.283 -0.202 -0.123 0.001

<=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97 97.01-105 > 105n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a 0.000n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a 0.000n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a 0.500n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a 0.500n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a 1.250n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a 1.750n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a 2.500n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a 3.000

<=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97 97.01-105 > 105n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a 0.750n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a 4.125n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a 1.000n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a 0.250

n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a 1.000n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a 0.500





DU REFI PLUS Over 105%DU Refi Plus 30 Year Fixed 105+ (WCRP230-003) DU Refi Plus 25 Year Fixed 105+ (WCRP225-003) DU Refi Plus 20 Year Fixed 105+ (WCRP220-003)

Over 105% LTV - Unlimited CLTV Over 105% LTV - Unlimited CLTV Over 105% LTV - Unlimited CLTV

DU Refi Plus 15 Year Fixed 105+ (WCRP215-003) DU Refi Plus 10 Year Fixed 105+ (WCRP210-003)Over 105% LTV - Unlimited CLTV


with closings in 21 days or less (Pending MI and

Appraisal requirements) Please use the HARP Loan

Submission Form.

Over 105% LTV - Unlimited CLTV



740+720 - 739700 - 719680 - 699660 - 679640 - 659621 - 639<=620


Condominiums (Loan Terms > 15 Years)Investment Property2-4 UnitsNew York AdjustmentManufactured Home See Manufactured Housing Specific Ratesheet

High LTV - 30 Yr Fixed TermHigh LTV - All Other Fixed Terms


LTV Range TLTV Range Credit Score < 720 Credit Score >= 72065.01% - 75.00% 90.01% - 95.00% n/a n/a75.01% - 95.00% 90.01% - 95.00% n/a n/a75.01% - 90.00% 76.01% - 90.00% n/a n/a





X25A0T














































Rate 12-Day 21-Day 30-Day 45-Day Rate 12-Day 21-Day 30-Day 45-Day3.250 7.073 7.106 7.297 7.324 3.250 6.823 6.856 7.047 7.0743.375 6.965 7.017 7.085 7.129 LTV Must be Under 80% 3.375 6.715 6.767 6.835 6.8793.500 5.856 5.909 5.978 6.021 No CLTV Maximum 3.500 5.606 5.659 5.728 5.7713.625 4.783 4.835 4.906 4.949 3.625 4.533 4.585 4.656 4.6993.750 4.131 4.183 4.255 4.298 3.750 3.881 3.933 4.005 4.0483.875 3.410 3.462 3.535 3.579 3.875 3.160 3.212 3.285 3.3294.000 2.543 2.596 2.670 2.714 4.000 2.293 2.346 2.420 2.4644.125 1.898 1.972 2.032 2.092 4.125 1.648 1.722 1.782 1.8424.250 1.216 1.289 1.349 1.410 4.250 0.966 1.039 1.099 1.1604.375 0.527 0.601 0.662 0.722 4.375 0.277 0.351 0.412 0.4724.500 -0.182 -0.108 -0.042 0.019 4.500 -0.432 -0.358 -0.292 -0.2314.625 -0.812 -0.717 -0.645 -0.567 4.625 -1.062 -0.967 -0.895 -0.8174.750 -1.448 -1.353 -1.280 -1.201 4.750 -1.698 -1.603 -1.530 -1.451

Rate 12-Day 21-Day 30-Day 45-Day Rate 12-Day 21-Day 30-Day 45-Day Rate 12-Day 21-Day 30-Day 45-Day2.750 9.243 9.274 9.523 9.549 2.250 7.724 7.731 7.802 7.808 2.250 7.724 7.731 7.802 7.8082.875 8.288 8.319 8.570 8.595 2.375 7.013 7.020 7.091 7.097 2.375 7.013 7.020 7.091 7.0973.000 7.345 7.376 7.628 7.654 2.500 6.302 6.309 6.380 6.386 2.500 6.302 6.309 6.380 6.3863.125 6.417 6.448 6.702 6.728 2.625 5.647 5.654 5.727 5.732 2.625 5.647 5.654 5.727 5.7323.250 6.053 6.105 6.203 6.245 2.750 5.340 5.368 5.424 5.448 2.750 5.340 5.368 5.424 5.4483.375 5.119 5.170 5.270 5.312 2.875 4.626 4.655 4.711 4.734 2.875 4.626 4.655 4.711 4.7343.500 4.210 4.261 4.362 4.405 3.000 3.928 3.957 4.014 4.037 3.000 3.928 3.957 4.014 4.0373.625 3.329 3.381 3.483 3.526 3.125 3.305 3.333 3.392 3.415 3.125 3.305 3.333 3.392 3.4153.750 2.605 2.656 2.761 2.803 3.250 2.775 2.803 2.862 2.886 3.250 2.775 2.803 2.862 2.8863.875 1.895 1.947 2.054 2.097 3.375 2.264 2.292 2.353 2.376 3.375 2.264 2.292 2.353 2.3764.000 1.186 1.237 1.351 1.394 3.500 1.834 1.884 1.938 1.979 3.500 1.834 1.884 1.938 1.9794.125 0.556 0.628 0.721 0.780 3.625 1.284 1.334 1.388 1.429 3.625 1.284 1.334 1.388 1.4294.250 -0.096 -0.024 0.071 0.131 3.750 0.705 0.755 0.810 0.851 3.750 0.705 0.755 0.810 0.851

<=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97 97.01-105 > 1050.000 0.250 0.250 0.250 0.500 n/a n/a n/a n/a n/a n/a0.000 0.250 0.250 0.500 0.750 n/a n/a n/a n/a n/a n/a0.000 0.500 0.500 1.000 1.250 n/a n/a n/a n/a n/a n/a0.000 0.500 0.500 1.250 1.750 n/a n/a n/a n/a n/a n/a0.000 1.000 1.000 2.250 2.750 n/a n/a n/a n/a n/a n/a0.500 1.250 1.250 2.750 3.000 n/a n/a n/a n/a n/a n/a0.500 1.500 1.500 3.000 3.000 n/a n/a n/a n/a n/a n/a

<=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97 97.01-105 > 1050.000 0.000 0.000 0.000 0.750 n/a n/a n/a n/a n/a n/a2.125 2.125 2.125 2.125 3.375 n/a n/a n/a n/a n/a n/a1.000 1.000 1.000 1.000 1.000 n/a n/a n/a n/a n/a n/a0.250 0.250 0.250 0.250 0.250 n/a n/a n/a n/a n/a n/a





LP RELIEF REFINANCEFHLMC Fixed 30 Open Access (WCRR30-006) We Follow LP AUS Accept/Eligible for

Minimum Credit Score RequirementsFHLMC Fixed 25 Open Access (WCRR25-006)

Under 80% LTV - Unlimited CLTV Under 80% LTV - Unlimited CLTV

FHLMC Fixed 20 Open Access (WCRR20-006) FHLMC Fixed 15 Open Access (WCRR15-006) FHLMC Fixed 10 Open Access (WCRR10-006)Under 80% LTV - Unlimited CLTV Under 80% LTV - Unlimited CLTV Under 80% LTV - Unlimited CLTV

LP Relief Refi LLPAs (Loan Level Price Adjustments)Adjustments Are Not "Guidelines"


740+720 - 739700 - 719680 - 699660 - 679640 - 659<640


Condominiums (Loan Terms > 15 Years)Investment Property2-4 UnitsNew York AdjustmentManufactured Housing Only Available on Primary Residence and Second Homes - See Manufactured Housing Specific Ratesheet


<=75% <=80% 0.375 0.375<=65% 80.01% - 95.00% 0.875 0.62565.01% - 75.00% 80.01% - 95.00% 1.125 0.87575.01% - 80.00% 75.01% - 95.00% 1.375 1.12580.01% - 90.00% 81.01% - 95.00% n/a n/a90.01% - 95.00% 91.01% - 95.00% n/a n/aAny >95% 1.875 1.875


Important NotesAll loans must be ran through Loan Prospector the recommendation: Accept/Eligible Relief Refinance

All LTV's Under 80% Adjustment Cap is Limited to 2%. | Any LTV N/O/O or 2nd Home Adjustment Cap is Limited to 2%.O/O LTV > 80% Term > 20yrs is limited to .75% O/O LTV>80% Term <=20yrs Adjustment Cap is Limited to 0

12 Day Lock mandatory and will incur a penalty of .25 plus normal extension cost. Clean, Clear to Close files on this lock period.

Maximum Amount over current principal balance $5,000.00 (or 4% if less) all inclusive - No exception. No cash back allowed to borrower. Estimated HUD-1, Payoff Demand, Tax Bill will be required prior to docs to determine correct loan amount. Docs will require redraw at your expense.

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Rate 12-Day 21-Day 30-Day 45-Day Rate 12-Day 21-Day 30-Day 45-Day3.250 7.323 7.356 7.547 7.574 3.250 7.073 7.106 7.297 7.3243.375 7.215 7.267 7.335 7.379 LTV Must be 80.01% to 105% 3.375 6.965 7.017 7.085 7.1293.500 6.106 6.159 6.228 6.271 No CLTV Maximum 3.500 5.856 5.909 5.978 6.0213.625 5.033 5.085 5.156 5.199 3.625 4.783 4.835 4.906 4.9493.750 4.381 4.433 4.505 4.548 3.750 4.131 4.183 4.255 4.2983.875 3.660 3.712 3.785 3.829 3.875 3.410 3.462 3.535 3.5794.000 2.793 2.846 2.920 2.964 4.000 2.543 2.596 2.670 2.7144.125 2.148 2.222 2.282 2.342 4.125 1.898 1.972 2.032 2.0924.250 1.466 1.539 1.599 1.660 4.250 1.216 1.289 1.349 1.4104.375 0.777 0.851 0.912 0.972 4.375 0.527 0.601 0.662 0.7224.500 0.068 0.142 0.208 0.269 4.500 -0.182 -0.108 -0.042 0.0194.625 -0.562 -0.467 -0.395 -0.317 4.625 -0.812 -0.717 -0.645 -0.5674.750 -1.198 -1.103 -1.030 -0.951 4.750 -1.448 -1.353 -1.280 -1.201

Rate 12-Day 21-Day 30-Day 45-Day Rate 12-Day 21-Day 30-Day 45-Day Rate 12-Day 21-Day 30-Day 45-Day2.750 9.493 9.524 9.773 9.799 2.250 7.974 7.981 8.052 8.058 2.250 7.974 7.981 8.052 8.0582.875 8.538 8.569 8.820 8.845 2.375 7.263 7.270 7.341 7.347 2.375 7.263 7.270 7.341 7.3473.000 7.595 7.626 7.878 7.904 2.500 6.552 6.559 6.630 6.636 2.500 6.552 6.559 6.630 6.6363.125 6.667 6.698 6.952 6.978 2.625 5.897 5.904 5.977 5.982 2.625 5.897 5.904 5.977 5.9823.250 6.303 6.355 6.453 6.495 2.750 5.590 5.618 5.674 5.698 2.750 5.590 5.618 5.674 5.6983.375 5.369 5.420 5.520 5.562 2.875 4.876 4.905 4.961 4.984 2.875 4.876 4.905 4.961 4.9843.500 4.460 4.511 4.612 4.655 3.000 4.178 4.207 4.264 4.287 3.000 4.178 4.207 4.264 4.2873.625 3.579 3.631 3.733 3.776 3.125 3.555 3.583 3.642 3.665 3.125 3.555 3.583 3.642 3.6653.750 2.855 2.906 3.011 3.053 3.250 3.025 3.053 3.112 3.136 3.250 3.025 3.053 3.112 3.1363.875 2.145 2.197 2.304 2.347 3.375 2.514 2.542 2.603 2.626 3.375 2.514 2.542 2.603 2.6264.000 1.436 1.487 1.601 1.644 3.500 2.084 2.134 2.188 2.229 3.500 2.084 2.134 2.188 2.2294.125 0.806 0.878 0.971 1.030 3.625 1.534 1.584 1.638 1.679 3.625 1.534 1.584 1.638 1.6794.250 0.154 0.226 0.321 0.381 3.750 0.955 1.005 1.060 1.101 3.750 0.955 1.005 1.060 1.101

<=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97 97.01-105 > 105n/a n/a n/a n/a n/a 0.000 0.000 0.000 0.000 0.000 n/an/a n/a n/a n/a n/a 0.000 0.000 0.000 0.000 0.000 n/an/a n/a n/a n/a n/a 0.500 0.500 0.500 0.500 0.500 n/an/a n/a n/a n/a n/a 1.000 0.750 0.750 0.750 0.750 n/an/a n/a n/a n/a n/a 2.250 1.750 1.750 1.750 1.750 n/an/a n/a n/a n/a n/a 2.750 2.250 2.250 2.250 2.250 n/an/a n/a n/a n/a n/a 2.750 2.750 2.750 2.750 2.750 n/a

<=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97 97.01-105 > 105n/a n/a n/a n/a n/a 0.750 0.750 0.750 0.750 0.750 n/an/a n/a n/a n/a n/a 4.125 4.125 4.125 4.125 4.125 n/an/a n/a n/a n/a n/a 1.000 1.000 1.000 1.000 1.000 n/an/a n/a n/a n/a n/a 1.500 2.000 2.000 2.000 2.000 n/an/a n/a n/a n/a n/a 0.000 0.000 0.000 0.500 1.000 n/an/a n/a n/a n/a n/a 0.250 0.250 0.250 0.250 0.250 n/a





LP RELIEF REFINANCE 80.01-105%FHLMC 30 Yr Relief Refi 80.01% to 105% We Follow LP AUS Accept/Eligible for

Minimum Credit Score RequirementsFHLMC 25 Yr Relief Refi 80.01% to 105%

(WCRR130-006) (WCRR125-006)

FHLMC 20 Yr Relief Refi 80.01% to 105% FHLMC 15 Yr Relief Refi 80.01% to 105% FHLMC 10 Yr Relief Refi 80.01% to 105%(WCRR120-006) (WCRR115-006) (WCRR110-006)



740+720 - 739700 - 719680 - 699660 - 679640 - 659<640


Condominiums (Loan Terms > 15 Years)Investment Property2 Units3-4 UnitsHigh LTVNew York AdjustmentManufactured Housing Only Available on Primary Residence and Second Homes - See Manufactured Housing Specific Ratesheet


<=75% <=80% n/a n/a<=65% 80.01% - 95.00% n/a n/a65.01% - 75.00% 80.01% - 95.00% n/a n/a75.01% - 80.00% 75.01% - 95.00% n/a n/a80.01% - 90.00% 81.01% - 95.00% 1.375 0.87590.01% - 95.00% 91.01% - 95.00% 0.875 0.625Any >95% 1.875 1.875






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Rate 12-Day 21-Day 30-Day 45-Day Rate 12-Day 21-Day 30-Day 45-Day3.250 8.573 8.606 8.797 8.824 3.250 8.323 8.356 8.547 8.5743.375 8.465 8.517 8.585 8.629 3.375 8.215 8.267 8.335 8.3793.500 7.356 7.409 7.478 7.521 LTV Must be Over 105% 3.500 7.106 7.159 7.228 7.2713.625 6.283 6.335 6.406 6.449 No CLTV Maximum 3.625 6.033 6.085 6.156 6.1993.750 5.631 5.683 5.755 5.798 3.750 5.381 5.433 5.505 5.5483.875 4.910 4.962 5.035 5.079 3.875 4.660 4.712 4.785 4.8294.000 4.043 4.096 4.170 4.214 4.000 3.793 3.846 3.920 3.9644.125 3.398 3.472 3.532 3.592 4.125 3.148 3.222 3.282 3.3424.250 2.716 2.789 2.849 2.910 4.250 2.466 2.539 2.599 2.6604.375 2.027 2.101 2.162 2.222 4.375 1.777 1.851 1.912 1.9724.500 1.318 1.392 1.458 1.519 4.500 1.068 1.142 1.208 1.2694.625 0.688 0.783 0.855 0.933 4.625 0.438 0.533 0.605 0.6834.750 0.052 0.147 0.220 0.299 4.750 -0.198 -0.103 -0.030 0.049

Rate 12-Day 21-Day 30-Day 45-Day Rate 12-Day 21-Day 30-Day 45-Day Rate 12-Day 21-Day 30-Day 45-Day2.750 9.993 10.024 10.273 10.299 2.250 8.974 8.981 9.052 9.058 2.250 8.974 8.981 9.052 9.0582.875 9.038 9.069 9.320 9.345 2.375 8.263 8.270 8.341 8.347 2.375 8.263 8.270 8.341 8.3473.000 8.095 8.126 8.378 8.404 2.500 7.552 7.559 7.630 7.636 2.500 7.552 7.559 7.630 7.6363.125 7.167 7.198 7.452 7.478 2.625 6.897 6.904 6.977 6.982 2.625 6.897 6.904 6.977 6.9823.250 6.803 6.855 6.953 6.995 2.750 6.590 6.618 6.674 6.698 2.750 6.590 6.618 6.674 6.6983.375 5.869 5.920 6.020 6.062 2.875 5.876 5.905 5.961 5.984 2.875 5.876 5.905 5.961 5.9843.500 4.960 5.011 5.112 5.155 3.000 5.178 5.207 5.264 5.287 3.000 5.178 5.207 5.264 5.2873.625 4.079 4.131 4.233 4.276 3.125 4.555 4.583 4.642 4.665 3.125 4.555 4.583 4.642 4.6653.750 3.355 3.406 3.511 3.553 3.250 4.025 4.053 4.112 4.136 3.250 4.025 4.053 4.112 4.1363.875 2.645 2.697 2.804 2.847 3.375 3.514 3.542 3.603 3.626 3.375 3.514 3.542 3.603 3.6264.000 1.936 1.987 2.101 2.144 3.500 3.084 3.134 3.188 3.229 3.500 3.084 3.134 3.188 3.2294.125 1.306 1.378 1.471 1.530 3.625 2.534 2.584 2.638 2.679 3.625 2.534 2.584 2.638 2.6794.250 0.654 0.726 0.821 0.881 3.750 1.955 2.005 2.060 2.101 3.750 1.955 2.005 2.060 2.101

<=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97 97.01-105 > 105n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a 0.000n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a 0.000n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a 0.500n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a 0.750n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a 1.750n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a 2.250n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a 2.750

<=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97 97.01-105 > 105n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a 0.750n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a 4.125n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a 1.000n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a 2.000n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a 2.000n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a 0.250





LP RELIEF REFINANCE over 105%FHLMC 30 Yr Relief Refi 105+ (WCRR230-006) We Follow LP AUS Accept/Eligible for

Minimum Credit Score RequirementsFHLMC 25 Yr Relief Refi 105+ (WCRR225-006)

Over 105% LTV - Unlimited CLTV Over 105% LTV - Unlimited CLTV

FHLMC 20 Yr Relief Refi 105+ (WCRR220-006) FHLMC 15 Yr Relief Refi 105+ (WCRR215-006) FHLMC 10 Yr Relief Refi 105+ (WCRR210-006)Over 105% LTV - Unlimited CLTV Over 105% LTV - Unlimited CLTV Over 105% LTV - Unlimited CLTV



740+720 - 739700 - 719680 - 699660 - 679640 - 659<640


Condominiums (Loan Terms > 15 Years)Investment Property2 Units3-4 UnitsHigh LTVNew York AdjustmentManufactured Housing Only Available on Primary Residence and Second Homes - See Manufactured Housing Specific Ratesheet


<=75% <=80% n/a n/a<=65% 80.01% - 95.00% n/a n/a65.01% - 75.00% 80.01% - 95.00% n/a n/a75.01% - 80.00% 75.01% - 95.00% n/a n/a80.01% - 90.00% 81.01% - 95.00% n/a n/a90.01% - 95.00% 91.01% - 95.00% n/a n/aAny >95% 1.875 1.875






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Land Home Financial Services, Inc.

ok

Rate Type MarginPremium PLU .01%

to 10%

Premium PLU

10.01% to 20%

Premium PLU

20.01% to 30%

Premium PLU

30.01% to 40%

Premium PLU

40.01% to 50%

Premium PLU

50.01% to 60%

Premium PLU

60.01% to 70%

Premium PLU

70.01% to 80%

Premium PLU

80.01% to 90%

Premium PLU

90.01% to 100%

Initial Rate

Expected Rate

1 Year Libor 1.750% 108.380 107.280 106.630 106.480 105.730 104.730 104.030 103.080 102.780 102.580 4.527% 4.730%1 Year Libor 1.875% 109.130 108.030 107.380 107.230 106.480 105.480 104.780 103.830 103.530 103.330 4.652% 4.855%1 Year Libor 2.000% 109.880 108.780 108.130 107.980 107.230 106.230 105.530 104.580 104.280 104.080 4.777% 4.980%1 Year Libor 2.125% 110.630 109.530 108.880 108.730 107.980 106.980 106.280 105.330 105.030 104.830 4.902% 5.105%1 Year Libor 2.250% 111.380 110.280 109.630 109.480 108.730 107.730 107.030 106.080 105.780 105.580 5.027% 5.230%1 Year Libor 2.375% 112.130 111.030 110.380 110.230 109.480 108.480 107.780 106.830 106.530 106.330 5.152% 5.355%1 Year Libor 2.500% 112.880 111.780 111.130 110.980 110.230 109.230 108.530 107.580 107.280 107.080 5.277% 5.480%1 Year Libor 2.625% 113.630 112.530 111.880 111.730 110.980 109.980 109.280 108.330 108.030 107.830 5.402% 5.605%1 Year Libor 2.750% 114.380 113.280 112.630 112.480 111.730 110.730 110.030 109.080 108.780 108.580 5.527% 5.730%1 Year Libor 2.875% 114.680 113.380 112.780 112.580 111.880 110.830 110.130 109.180 108.880 108.680 5.652% 5.855%1 Year Libor 3.000% 114.780 113.480 112.880 112.680 111.980 110.930 110.230 109.280 108.980 108.780 5.777% 5.980%

Rate Type MarginPremium PLU .01%

to 10%

Premium PLU

10.01% to 20%

Premium PLU

20.01% to 30%

Premium PLU

30.01% to 40%

Premium PLU

40.01% to 50%

Premium PLU

50.01% to 60%

Premium PLU

60.01% to 70%

Premium PLU

70.01% to 80%

Premium PLU

80.01% to 90%

Premium PLU

90.01% to 100%

Initial Rate

Expected Rate

1 Month Libor 1.875% 105.280 103.880 103.280 101.880 100.980 100.980 100.855 100.780 100.355 99.930 3.803% 4.855%1 Month Libor 2.000% 106.030 104.630 104.030 102.630 101.730 101.730 101.605 101.530 101.105 100.680 3.928% 4.980%1 Month Libor 2.125% 106.780 105.380 104.780 103.380 102.480 102.480 102.355 102.280 101.855 101.430 4.053% 5.105%1 Month Libor 2.250% 107.530 106.130 105.530 104.130 103.230 103.230 103.105 103.030 102.605 102.180 4.178% 5.230%1 Month Libor 2.375% 108.280 106.880 106.280 104.880 103.980 103.980 103.855 103.780 103.355 102.930 4.303% 5.355%1 Month Libor 2.500% 109.030 107.630 107.030 105.630 104.730 104.730 104.605 104.530 104.105 103.680 4.428% 5.480%1 Month Libor 2.625% 109.780 108.380 107.780 106.380 105.480 105.480 105.355 105.280 104.855 104.430 4.553% 5.605%1 Month Libor 2.750% 110.530 109.130 108.530 107.130 106.230 106.230 106.105 106.030 105.605 105.180 4.678% 5.730%1 Month Libor 2.875% 111.280 109.880 109.280 107.880 106.980 106.980 106.855 106.780 106.355 105.930 4.803% 5.855%1 Month Libor 3.000% 112.030 110.630 110.030 108.630 107.730 107.730 107.605 107.530 107.105 106.680 4.928% 5.980%

Reverse Purchase FixedReverse Refi Fixed

4.430% Reverse HECM to HECM Fixed Refi4.560%4.680%4.810%4.930%5.060%

114.500% 2.500%

Back to cover pageYour Preferred Wholesale Lender

5/10/18 8:00 AMReverse Mortgage Rate Locks Online From Daily Posting Until 2:00 PM Pacific

Maximum Rebate After Adjustments - See BelowRate Sheets Represent Borrower Paid Compensation. Pricing in the eXPRESS portal includes all Loan Level Adjustments,


Reverse Mortgage ProductsFor FHA Case Numbers Assigned On Or After October 2, 2017

Effective

Reverse Adjustable Product Codes 5/8/2018Expiration

Reverse Purchase Libor Annual 5 Cap WRPLA-000 5/14/2018Reverse Purchase Libor Monthly 10 Cap WRPLM10-000 Index LIBOR 1MReverse Refinance Libor Annual 5 Cap WRRLA-000 1.928%

Reverse Refinance Libor Monthly 10 Cap WRRLM10-000 Index LIBOR 1YrReverse HECM to HECM Annual Libor Refinance WRH2HAL-000 2.777%

10 Year Swap2.980%

1 Year Libor Adjustable Rate HECM - 15 Day Lock

1 Month Libor Adjustable Rate HECM - 15 Day Lock

BROKER COMPENSATION FOR ADJUSTABLE HECM'sAdjustable HECMs are open-ended credit and are therefore not part of the final rule under Reg-Z. HECM compensation is set by FHA/RESPA.

Brokers are allowed to charge an origination fee based upon the schedule below, in addition to any pricing as disclosed on this rate sheet.The pricing and any adjustments are paid on the amount of funds drawn at closing. (Line 220 on your HUD-1).

Loan amounts < $20,000 will be charged a $400 processing fee.The origination fee schedule set by FHA allows a broker to charge 2% of the appraised value for the first $200,000 and 1% thereafter

capping the originator at $6,000. Broker may reduce origination and apply pricing to off-set borrowers closing costs.

Fixed Rate HECM Products - 15 Day Lock Premium Reverse Fixed Product CodesRate Type Rate 15 Day Lock Premium WRPF-000

WRRF-000Fixed 99.375 WRH2HF-000Fixed 100.125Fixed 100.875Fixed 101.625Fixed 102.375Fixed 103.125

Please Call For Off Sheet Fixed Rate Pricing

BROKER COMPENSATION FOR FIXED HECM'sAll fixed HECMs will be lender paid compensation based upon established terms negotiated between the broker and LHFSW

Fixed HECMs are considered closed ended credit and therefore they are subject to the Reg Z final Rule.LHFSW can credit the difference between posted pricing on our rate sheet vs. the broker's compensation plan on all refinance transactions,

up to the total of actual closing costs and MIP.FHA requires the borrower to pay for their own counseling and, on purchase transactions,

the borrower can receive no credits from the seller, lender, or agent.Pricing for all fixed HECMs are paid on the amount of funds drawn at closing. (Line 220 on your HUD-1)

***Max Comp (For Fixed Rate Only): Broker will be limited in total origination and pricing compensationnot to exceed the lesser of 4.5% of the appraised value or $30,000.

***Locking Policy: Loans can only be locked once it is "Clear to Close" (Approved). Lock is honored for 15 days.Rates subject to change without notice.

LENDER FEES: DOC PREP $125 ADMIN FEE (ARMs Only) $495 MFG HOMES -200 BPS HECM to HECM Refinance -200 BPS

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Rate 30-Day 60-Day Rate 30-Day 60-Day5.375 0.000 5.375 0.000 5.500 0.000 5.500 0.000




Announcements / Notes

- Prices subject to change due to intraday market conditions without prior notification- All adjustments are in addition to applicable LLPA's and are subject to change by Investor without notice


5/10/18 8:00 AMCalPLUS℠ Rate Locks Online From Daily Posting Until 2:00 PM Pacific

Online Rates/Price supersede published rate sheets*LHFSWholesale.com

Borrower Paid Rate Sheet - Lender Paid Compensation (LPC) is Ineligible for CalPLUS ProductsCalPLUS℠

CalPLUS Conv 30 Yr Fixed 3% ZIP CalPLUS Conv 30 Yr Fixed High Balance 3% ZIP(WC30CalZIP3-083) (WCF30HBCalZIP3-083)

CalPLUS Conv 30 Yr Fixed 4% ZIP CalPLUS Conv 30 Yr Fixed High Balance 4% ZIP(WC30CalZIP4-083) (WCF30HBCalZIP4-083)

CalPLUS FHA 30 Yr Fixed 3% ZIP CalPLUS FHA 30 Yr Fixed High Balance 3% ZIP

Owner Occupied only. Borrower(s) must live in home for entire term of the loan unless home is sold or refinanced.

(WGF30CalZIP3-083) (WGF30HBCalZIP3-083)

CalPLUS FHA 30 Yr Fixed 4% ZIP CalPLUS FHA 30 Yr Fixed High Balance 4% ZIP(WGF30CalZIP4-083) (WGF30HBCalZIP4-083)

No Ownership Interest In Any Other Residential Dwelling at Time of ClosingNon-Occupant Coborrowers are Not Eligible

Lock at Conditional Approval Only


- *Rate sheet is indication pricing only. All rates subject to CalHFA posting, which are subject to change without notice. While we will do our best to provide updated rates, all lock requested rates and LLPAs are subject to acceptance by CalHFA.

CalPLUS℠ NotesHigh Balance CalHFA/CalPLUS loans require a High Balance fee that will appear as a fee line on the CD and LE

California Properties OnlyMaximum Sales Price is $400,000 to $600,000. Refer to http://www.calhfa.ca.gov/homeownership/limits/salesprice/salesprice.pdf

Single Family Residence, Condominium, and PUD Only

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http://www.calhfa.ca.gov/homeownership/limits/salesprice/salesprice.pdf

















Rate 30-Day Rate 30-Day Rate 30-Day

5.500 0.000 5.500 0.000 5.250 0.000

Rate 30-Day Rate 30-Day Rate 30-Day Rate 30-Day

5.000 0.000 5.000 0.000 5.000 0.000 5.250 0.000

Rate 30-Day Rate 30-Day

5.500 0.000 5.250 0.000

Rate 30-Day Rate 30-Day5.000 0.000 5.000 0.000

- All loans must be priced on eXPRESS- Prices subject to change due to intraday market conditions without prior notification- All adjustments are in addition to applicable LLPA's, adjustments subject to change by Investor without notice- Please obtain current market, correct pricing, and adjustments on eXPRESS


5/10/18 8:00 AMWithin Reach Rate Locks Online From Daily Posting Until 2:00 PM PacificPricing in the eXPRESS portal includes all Loan Level Adjustments and Pricing Caps.

Online Rates/Price supersede published rate sheets.LHFSWholesale.com

Borrower Paid Rate Sheet - Lender Paid Compensation (LPC) is Ineligible for Within Reach™ ProductsWITHIN REACH

FHA VA USDA ConventionalWithin Reach FHA 4% Grant Fixed Within Reach VA 4% Grant Fixed Within Reach HPA DPA <115% AMI 4% Grant

(WGF30WRDPA4-000) (WGV30WRDPA4-000) (WCWRHPA30<115AMI4-000)

Within Reach FHA 3% Grant Fixed Within Reach VA 3% Grant Fixed Within Reach USDA 3% Grant Fixed Within Reach HPA DPA <80% AMI 5% Grant(WGF30WRDPA3-000) (WGV30WRDPA3-000) (WGR30WRDPA3-000) (WCWRHPA30<80AMI5-000)

Within Reach FHA MH 4% Grant Fixed Within Reach MH HP AMI 5% Grant(WGF30WRDPAMH4-000) (WMH30WRHPAMI5-000)

Within Reach FHA MH 3% Grant Fixed Within Reach VA MH 3% Grant Fixed(WGF30WRDPAMH3-000) (WGV30WRDPAMH3-000)

WITHIN REACH FEATURES

Grants and Forgivable Down Payment Assistant - No Repayment Required!May Be Used For Down Payment And/Or Closing Costs

Gift Funds Are AllowedCan Be Paired With MCC Or Other Down Payment Assistance Programs

Borrower(s) Are Not Required To Be First Time HomebuyersManual Underwriting Allowed (Details Below)

Income Limit* Is Based On Qualifying Income Used For Transaction, Not Household Income*Income limit is up to 140% of Area Median Income (AMI). To look up AMI go to

https://www.huduser.gov/portal/datasets/il.htmlFor USDA must use lesser of USDA income limits or program income limit by county.

WITHIN REACH PROGRAM REQUIREMENTS

620 Minimum FICO50% Maximum DTI (>47% DTI with Manual UW Requires 680 Minimum FICO)

All Borrowers Must Occupy Property As Primary ResidenceNon-Occupant Co-Borrowers/Co-Signers Not Allowed

FHA - Manual UW Must Meet FHA Guidelines Including Front and Back End RatiosManual UW May Require Compensating Factor(s) - Contact Your AE For Details

FHA - 12 Months Housing History Required (Borrower Living Rent-Free Acceptable If DTI <=47%)FHA/VA - The Maximum Loan Limit Permitted By FHA For All Counties, Including The 2-4 Unit Limits

USDA - The Lesser Of $424,100 (Not Including UFMIP) or Max Loan Amount Per USDA EligibilityAt Least One Borrower Must Have Homebuyer Counseling

Conventional / FHA - Borrower Paid Origination Fee Up To 2% - May Be Used To Pay Origination FeeVA - Seller Paid Origination Fee Of 1% - May Be Used To Pay Origination Fee

Nationwide Admin Fee: $1,145Not Available in Washington State

Lock at Conditional Approval with Appraisal Received

Manufactured Housing Eligible With Conventional, FHA, and VA MH Within Reach Products

Announcements / Notes

$400 Cancellation Fee

WITHIN REACH PROGRAM TYPES AND TERMS

30-Year Fixed Term With Full AmortizationFHA - 203(b) In Accordance With FHA GuidelinesFHA - Cooperative Housing (Co-Op) Not Eligible

X31A0T

https://secure.approvedfast.com/landhome/wholesale_pe128/index













































https://www.huduser.gov/portal/datasets/il.html

















Rate 45-Day Rate 45-Day Rate 45-Day Rate 45-Day Rate 45-Day4.625 3.613 4.500 1.863 5.250 3.675 5.250 3.175 5.250 1.5504.750 3.113 4.625 1.550 5.375 3.300 5.375 2.800 5.375 1.3004.875 2.613 4.750 1.238 5.500 2.988 5.500 2.488 5.500 1.0504.990 2.113 4.875 0.925 5.625 2.675 5.625 2.175 5.625 0.8005.125 1.613 4.990 0.613 5.750 2.363 5.750 1.863 5.750 0.5505.250 1.238 5.125 0.300 5.875 2.050 5.875 1.550 5.875 0.3005.375 0.863 5.250 0.050 5.990 1.738 5.990 1.238 5.990 0.0505.500 0.488 5.375 -0.200 6.125 1.425 6.125 0.925 6.125 -0.2005.625 0.175 5.500 -0.450 6.250 1.113 6.250 0.613 6.250 -0.4505.750 -0.075 5.625 -0.700 6.375 0.800 6.375 0.300 6.375 -0.7005.875 -0.325 5.750 -0.950 6.500 0.550 6.500 0.050 6.500 -0.9505.990 -0.575 5.875 -1.200 6.625 0.300 6.625 -0.200 6.625 -1.2006.125 -0.825 5.990 -1.450 6.750 0.050 6.750 -0.450 6.750 -1.4506.250 -1.075 6.125 -1.700 6.875 -0.200 6.875 -0.700 6.875 -1.7006.375 -1.325 6.250 -1.950 6.990 -0.450 6.990 -0.950 6.990 -1.9506.500 -1.575 6.375 -2.200 7.125 -0.700 7.125 -1.200 7.125 -2.2006.625 -1.825 6.500 -2.450 7.250 -0.950 7.250 -1.450 7.250 -2.450

<=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 <=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95760+ (0.125) 0.125 0.250 0.500 0.625 1.125 720+ (1.000) (0.750) (0.500) (0.250) 0.000 1.000 1.750 3.500

740-759 0.000 0.250 0.375 0.625 0.750 1.250 700-719 (0.750) (0.500) (0.250) 0.000 0.250 1.250 2.500 N/A720-739 0.125 0.250 0.500 0.625 0.875 1.500 680-699 (0.500) (0.250) 0.000 0.250 0.750 2.000 3.500 N/A700-719 0.375 0.625 1.000 1.250 1.500 2.500 660-679 (0.250) 0.000 0.250 0.750 1.250 2.750 4.250 N/A680-699 0.625 0.875 1.250 1.500 2.250 3.375 640-659 0.000 0.500 0.750 1.500 2.250 3.500 N/A N/A660-679 1.000 1.250 1.500 2.250 2.750 N/A 620-639 0.500 1.000 1.750 2.500 3.250 4.250 N/A N/A

760+ 0.375 0.625 1.250 1.500 1.875 N/A 720+ (0.750) (0.250) 0.000 0.500 1.000 2.000 2.750 N/A740-759 0.500 0.750 1.375 1.625 2.000 N/A 700-719 (0.500) 0.000 0.250 0.750 1.250 2.250 3.750 N/A720-739 0.625 0.750 1.500 1.625 2.125 N/A 680-699 (0.250) 0.250 0.500 1.000 1.750 3.000 4.750 N/A700-719 0.875 1.125 2.000 2.250 N/A N/A 660-679 0.000 0.500 0.750 1.500 2.250 3.750 N/A N/A

640-659 0.750 1.250 1.750 2.750 3.750 5.000 N/A N/A620-639 1.250 1.750 2.750 3.750 4.750 N/A N/A N/A

<=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-850.500 0.500 0.500 0.750 0.750 1.0000.000 0.000 0.250 0.250 0.250 0.5000.000 0.000 0.000 0.000 0.000 0.0000.000 0.000 0.250 0.250 0.500 N/A <=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-950.750 0.750 0.750 0.750 N/A N/A 0.500 0.500 0.500 0.750 0.750 1.000 1.000 N/A<=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 0.000 0.000 0.250 0.250 0.250 0.500 0.500 N/A

0.250 0.250 0.500 0.750 1.000 N/A (0.250) (0.250) (0.250) (0.250) (0.250) 0.000 0.000 0.0000.375 0.375 0.375 0.375 0.375 0.375 0.000 0.000 0.000 0.000 0.250 0.500 0.500 0.7500.500 0.625 0.750 N/A N/A N/A 0.500 0.500 0.500 0.500 0.750 0.750 N/A N/A0.750 0.750 N/A N/A N/A N/A <=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-950.250 0.500 0.500 0.500 0.500 0.750 0.250 0.250 0.250 0.250 0.250 0.250 0.250 0.2500.000 0.000 0.000 0.125 0.125 N/A 0.500 0.500 0.750 1.000 1.000 1.000 N/A N/A(0.250) (0.250) (0.250) (0.250) (0.250) (0.250) 1.000 1.000 1.000 1.000 1.000 N/A N/A N/A0.250 0.250 0.250 0.250 0.250 0.250 0.000 0.000 0.000 0.000 0.250 0.500 N/A N/A

*Conditions Apply. Not Applicable for 12 Mo Personal Bk Stmts or Business Bk Stmts. 0.500 0.750 0.750 1.000 1.000 N/A N/A N/A0.500 0.500 0.500 0.500 0.500 N/A N/A N/A0.250 0.250 0.250 0.250 0.250 0.250 0.250 0.2500.000 0.000 0.000 0.125 0.125 0.250 0.500 N/A


5/10/18 8:00 AMFlex Rate Locks Online From Daily Posting Until 2:00 PM Pacific

Maximum Rebate After Adjustments - Flex A+ 102.5 - Flex A 103Rate Sheets Represent Borrower Paid Compensation. Pricing in the eXPRESS portal includes all Loan Level Adjustments,

Pricing Caps and Lender Paid Compensation (LPC). Online Rate/Price supersedes published rate sheets.LHFSWholesale.comFlex A+ and Flex A

FLEX A+ and Flex A RATES and LLPAs (Loan Level Price Adjustments) - Ratesheets Are Not "Guidelines"Expanded Prime (Flex A+) Near-Prime (Flex A)

Fixed 30 (All Docs) All ARMs (All Fixed 30 Full Doc Fixed 30 Bk Stmts All ARMs (All

Expanded Prime (Flex A+) FICO / LTV LLPAs Near-Prime (Flex A) FICO / LTV LLPAs

0.250 0.500

FICO / LTV FICO / LTV

Full Doc Full Doc

24 Mo & 12 Mo Bank Stmts

24 Mo. Bk

Stmts & 12 Mo.

Bk StmtsExpanded Prime (Flex A+) ADDITIONAL LLPAs

0.500 0.750 1.000 N/A N/A$100K - $149,999Loan Amount / LTV 12 Mo.

Bk 620+ 0.250

$150K - $249,999>$600K - $1MM Near-Prime (Flex A) ADDITIONAL LLPAs

>$1MM - $1.5MM Loan Amount / LTV> $1.5MM - $2MM $100K - $149,999Description / LTV $150K - $249,99912 Mo. Bk Stmts >$600K - $1MM

7/1 ARM >$1MM - $1.5MMCash-Out Refi >$1.5MM - $2.5MMSecond Home Description / LTV

Condo 7/1 ARMDTI > 43%* Cash-Out Refi

Non-CA State Second HomeNew York State Condo Warrantable

Non-Warrantable2-4 Unit

Flex A+ and Flex A LLPA Cap New York State5.000 DTI > 43%*

Excludes Admin Fee *Conditions Apply. Not Applicable for 12 Month Personal Bank Statements.

FLEX ELIGIBILITY REQUIREMENTS - Ratesheets Are Not "Guidelines"

Description Expanded Prime Near-PrimeFlex A+ Flex A

Assets Assets Sourced or Seasoned 60 Days, Gift Funds Allowed (See Guidelines) Assets Sourced or Seasoned 60 Days, Gift Funds Allowed (See Guidelines)Asset Depletion N/A Full Doc Only, Cash-Out Ineligible, 680+ FICO and LTV <=80% (See Guidelines)Bankruptcy Ch. 7 60 Months Seasoning, Discharge Required 36 Months Seasoning, Discharge RequiredBankruptcy Ch. 13 60 Months Seasoning, Discharge or Dismissal Required 36 Months Seasoning, Discharge or Dismissal RequiredCash Out $1MM Max Cash Out $1MM Max Cash OutDebt Ratio 43% (Up to 50% Qualifying DTI for Full Doc and 24 Mo. Personal Bk Stmts) 43% (Qualifying DTI 50% for 24 Mo. Personal Bk Stmts/Business Bk Stmts, 55% for Full Doc)FICO Full Doc 660 Min FICO <=$1MM (680 if C/O), 680 Min FICO >$1MM (700 if C/O) 620 Min FICOFICO 24 Mo Bk Stmts 700 Min FICO 620 Min FICOFICO 12 Mo Bk Stmts 700 Min FICO 620 Min FICOFICO Business Stmts 700 Min FICO 620 Min FICOForeclosure 60 Months Seasoning 36 Months SeasoningForeign National Foreign Nationals Ineligible Foreign Nationals IneligibleHousing Ratio No Maximum No MaximumLoan Amount $100K to $2MM $100K to $2.5MMLTV / CLTV Maximum 90% / 90% 90% / 90% (Institutional Seconds Only)Mortgage History 0x30 12 Month History (No Rolling Lates) 1x30 12 Month History (No Rolling Lates)Non-Perm Resident Non-Permanent Resident Aliens Ineligible Non-Permanent Resident Aliens IneligibleNon-US Credit Ineligible IneligibleOccupancy Owner Occupied or Second Home Owner Occupied or Second HomeProperty Type SFR, PUD, Townhouse, Condo, 2-Units SFR, PUD, Townhouse, Condo, Condo Non-Warrantable, Modular, 2-4 UnitsReserves* 6 Mo. if <=1MM, 9 Mo. if >1MM to 1.5MM, 12 Mo. If >1.5MM 6 Mo. if <=1MM, 9 Mo. if >1MM to 1.5MM, 12 Mo. if >1.5MM**Residual Income $2,500 (Plus $150 Per Dependent) $2,500 (Plus $150 Per Dependent)Short Sale / DIL 60 Months Seasoning 36 Months Seasoning

*Additional Reserves: Multiple fin. properties: 2 mo. each property. Rental income without lease: 3 mo. FTHB: 6 mo. Limited tradelines: 6 mo. No or <12 mo. verified housing history: 6 mo.**Near Prime (Flex A) Reserves: 3 mo. reserves required if primary residence, LTV 10% below max, and DTI <=43%.

ALL AVAILABLE FLEX PRODUCTSExpanded Prime Near-Prime Non-Prime

Product Description Scenario Flex A+ Flex A Flex A- Flex B Flex CWEFA30 WEFAM30 WEFB30

Full Doc 7/1 ARM WEFAP71L WEFA71L WEFAM71L

WEFC30Full Doc 5/1 ARM WEFAP51L WEFA51L WEFAM51L WEFB51L WEFC51LFull Doc Fixed 30 Last 2 Yrs W-2s, Last

30 Day Pay Stub(s) w/ YTD $, 4506-T, VVOE

WEFAP30

WEFB71L WEFC71L24 Mo Bk Stmts Fixed 30 >=2 Yrs Self Employed:

24 Months Personal Bank Stmts

WEFAP24MBS30 WEFA24MBS30 WEFAM24MBS30 WEFB24MBS30 WEFC24MBS3024 Mo Bk Stmts 5/1 ARM WEFAP24MBS51L WEFA24MBS51L WEFAM24MBS51L WEFB24MBS51L WEFC24MBS51L24 Mo Bk Stmts 7/1 ARM WEFAP24MBS71L WEFA24MBS71L WEFAM24MBS71L WEFB24MBS71L WEFC24MBS71L12 Mo Bk Stmts Fixed 30 >=2 Yrs Self Employed:

12 Months Personal Bank Stmts

WEFAP12MBS30 WEFA12MBS30 WEFAM12MBS30 WEFB12MBS30 WEFC12MBS3012 Mo Bk Stmts 5/1 ARM WEFAP12MBS51L WEFA12MBS51L WEFAM12MBS51L WEFB12MBS51L WEFC12MBS51L12 Mo Bk Stmts 7/1 ARM WEFAP12MBS71L WEFA12MBS71L WEFAM12MBS71L WEFB12MBS71L WEFC12MBS71L

WEFABBS30 WEFAMBBS30 WEFBBBS30

Business Bk Stmts 7/1 ARM WEFAPBBS71L WEFABBS71L WEFAMBBS71L

WEFCBBS30Business Bk Stmts 5/1 ARM WEFAPBBS51L WEFABBS51L WEFAMBBS51L WEFBBBS51L WEFCBBS51LBusiness Bk Stmts Fixed 30 100% Business Owner

24 Months Business Bank Stmts, 2 Yrs P&L

WEFAPBBS30

WEFBBBS71L WEFCBBS71LLite Credit Full Doc Fixed 30 Less Than 3 Tradelines

for 12+ Mo. or 2 Tradelines for 24+ Mo.

N/A N/A WEFAMLC30 WEFBLC30 WEFCLC30Lite Credit Full Doc 5/1 ARM N/A N/A WEFAMLC51L WEFBLC51L WEFCLC51LLite Credit Full Doc 7/1 ARM N/A N/A WEFAMLC71L WEFBLC71L WEFCLC71L

Flex Investment ProductsProduct Description Scenario Investment A+ Investment A Investment A- Investment B Investment C

WEFAI30 WEFAMI30 N/A

Investment Full Doc 7/1 ARM N/A WEFAI71L WEFAMI71L

N/AInvestment Full Doc 5/1 ARM N/A WEFAI51L WEFAMI51L N/A N/AInvestment Full Doc Fixed 30 Inv. Prop. Only, 1st

Time Inv. (Past 12 Mo.), Full Doc

N/A

N/A N/AInvestment 12 Mo Bk Stmts Fixed 30 Inv. Prop. Only, 1st

Time Inv. (Past 12 Mo.), 12 Mo. Personal Bk

Stmts

N/A WEFAI12MBS30 WEFAMI12MBS30 N/A N/AInvestment 12 Mo Bk Stmts 5/1 ARM N/A WEFAI12MBS51L WEFAMI12MBS51L N/A N/AInvestment 12 Mo Bk Stmts 7/1 ARM N/A WEFAI12MBS71L WEFAMI12MBS71L N/A N/A

Inv. Business Bk Stmts Fixed 30 Inv. Prop Only, 1st Time Inv. (Past 12 Mo.), 24

Mo. Business Bk Stmts

N/A WEFAIBBS30 WEFAMIBBS30 N/A N/AInv. Business Bk Stmts 5/1 ARM N/A WEFAIBBS51L WEFAMIBBS51L N/A N/AInv. Business Bk Stmts 7/1 ARM N/A WEFAIBBS71L WEFAMIBBS71L N/A N/A

Flex Investor Advantage ProductsProduct Description Scenario Investor Advantage Standard Investor Advantage First Time Investor

Investment Full Doc 3/1 ARM No Income/Empl Docs, No Reserves/FICO

WEFIA31L WEFFTI31LInvestment Full Doc 7/1 ARM WEFIA71L WEFFTI71L

Lock Extension Fee: 2.5 BPS Per DayLOAN MUST BE CONDITIONALLY APPROVED TO LOCK AN EXPANDED PRODUCT

EXPANDED PRODUCTS REQUIRE ESCROWSIneligible States: Alaska, New York, West Virginia. Expanded Prime (Flex A+) also ineligible in Mississippi.

X32A0T

<=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-900.500 0.500 0.500 0.500 0.500 0.500 N/A

Rate 45-Day Rate 45-Day Rate 45-Day 1.500 1.500 1.500 N/A N/A N/A N/A5.500 2.050 5.250 2.300 5.750 2.800 1.000 1.000 1.500 1.500 1.500 N/A N/A5.625 1.800 5.375 2.050 5.875 2.3005.750 1.550 5.500 1.800 5.990 1.9255.875 1.300 5.625 1.550 6.125 1.5505.990 1.050 5.750 1.300 6.250 1.3006.125 0.800 5.875 1.050 6.375 1.0506.250 0.550 5.990 0.800 6.500 0.8006.375 0.300 6.125 0.550 6.625 0.5506.500 0.050 6.250 0.300 6.750 0.3006.625 -0.200 6.375 0.050 6.875 0.0506.750 -0.450 6.500 -0.200 6.990 -0.2006.875 -0.700 6.625 -0.450 7.125 -0.4506.990 -0.950 6.750 -0.700 7.250 -0.7007.125 -1.200 6.875 -0.950 7.375 -0.9507.250 -1.450 6.990 -1.200 7.500 -1.2007.375 -1.700 7.125 -1.450 7.625 -1.4507.500 -1.950 7.250 -1.700 7.750 -1.700

<=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 <=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85700+ (1.500) (1.250) (1.000) (0.750) (0.250) 0.750 0.500 0.500 0.500 0.500 0.500 0.500

680-699 (1.250) (1.000) (0.750) (0.500) 0.250 1.500 0.000 0.000 0.250 0.250 0.250 0.250660-679 (1.000) (0.750) (0.500) 0.000 0.750 2.250 (0.250) (0.250) (0.250) 0.000 0.000 0.000640-659 (0.750) (0.250) 0.000 0.750 1.750 3.000 0.000 0.000 0.250 0.250 0.250 0.250620-639 (0.250) 0.250 1.000 1.750 2.750 3.750 0.500 0.500 0.500 0.500 0.500 0.500600-619 0.500 1.000 1.750 2.500 3.500 N/A <=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85580-599 1.250 1.750 2.500 3.250 4.250 N/A 1.250 1.250 1.250 1.000 1.000 1.000540-579 2.000 2.500 3.250 4.000 N/A N/A 0.250 0.250 0.250 0.250 0.250 0.250500-539 2.500 3.000 3.750 4.500 N/A N/A 0.750 0.750 0.750 1.000 1.000 N/A

700+ (1.000) (0.750) (0.250) 0.250 0.750 2.000 0.750 0.750 1.000 1.000 1.000 N/A680-699 (0.750) (0.500) 0.000 0.500 1.250 2.750 0.000 0.000 0.000 0.000 0.250 N/A660-679 (0.500) (0.250) 0.250 1.000 1.750 3.500 0.500 0.750 0.750 1.000 N/A N/A640-659 0.000 0.500 1.000 2.000 3.000 4.500 0.500 0.500 0.500 0.500 0.500 N/A620-639 0.500 1.000 2.000 3.000 4.000 5.000 0.000 0.000 0.000 0.000 0.250 0.250600-619 1.250 1.750 2.750 3.750 4.750 N/A580-599 2.000 2.500 3.500 4.500 5.000 N/A

<=55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-80740+ (1.000) (0.750) (0.500) (0.250) 0.500 N/A

720-739 (0.750) (0.500) (0.250) 0.000 1.500 N/A<=55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-80 700-719 (0.500) (0.250) 0.000 0.250 2.500 N/A

720+ (2.500) (2.500) (2.000) (1.500) (0.500) 0.500 680-699 0.000 0.250 0.250 0.500 3.000 N/A700-719 (2.250) (2.250) (1.750) (1.250) 0.250 0.750 660-679 0.250 0.250 0.500 1.000 3.500 N/A680-699 (1.750) (1.750) (1.500) (1.000) 0.500 1.250 640-659 0.750 1.000 1.250 1.500 4.000 N/A660-679 (1.750) (1.750) (1.250) (0.500) 0.750 1.750640-659 (1.250) (1.000) (0.750) 0.750 1.750 2.750620-639 (0.500) (0.750) 0.000 1.500 2.500 N/A <=55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-80600-619 0.500 0.500 1.250 2.000 N/A N/A 0.500 0.500 0.500 0.500 0.500 N/A580-599 1.000 1.250 1.750 2.750 N/A N/A 0.250 0.250 0.500 1.000 3.500 N/A560-579 1.500 2.000 2.500 3.500 N/A N/A 0.500 0.500 0.750 1.000 1.000 N/A

0.250 0.250 0.250 0.250 0.250 N/A

<=55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-801.000 1.000 1.000 1.500 1.500 1.500 <=55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-80(2.000) (1.750) (1.250) (0.500) 0.500 N/A 0.500 0.500 0.500 0.500 0.500 0.5001.000 1.000 1.000 1.000 1.250 1.250 0.000 0.000 0.250 0.250 0.500 0.5000.250 0.250 0.250 0.250 0.250 0.250 0.500 0.500 0.750 1.000 1.000 N/A1.250 1.250 1.250 1.000 1.000 1.000 0.500 0.500 0.500 0.500 N/A N/A0.000 0.000 0.250 0.250 0.500 0.500 0.250 0.250 0.250 0.500 0.500 0.5000.500 0.500 0.750 1.000 1.000 N/A 0.250 0.250 0.250 0.250 0.250 0.2500.250 0.250 0.250 0.250 0.250 0.250


5/10/18 8:00 AMFlex Rate Locks Online From Daily Posting Until 2:00 PM Pacific



Flex A-, B, C, Flex Investment A and A-, Flex Investor Advantage 3/1 and 7/1FLEX RATES and LLPAs (Loan Level Price Adjustments) - Ratesheets Are Not "Guidelines"

Fixed 30 and Investor Advantage Pricing Grids Adjustments to Pricing Grids, By Product Grade and LTVFlex Non-Prime Flex Investment Investor Advantage Product / LTV

A-, B, C (Full Doc) Inv. A, A- (All Docs) 3/1 and 7/1 ARM Non-Prime Grid: B Adj.Non-Prime Grid: C Adj.Investment Grid: A- Adj.

Investment A and A-, and Investor Advantage 3/1 and 7/1Prepayment Penalty LLPAs and Max Prices (Excludes Admin Fee)

PPP Term LLPA Max Price3 Yr PPP (Standard) 0.000 102.000

2 Yr PPP 0.500 102.0001 Yr PPP 1.000 102.000No PPP 1.500 102.000

FLEX LLPA CAPS (Excludes Admin Fee)Non-Prime Investment Investor Advantage

5.000 No LLPA Cap No LLPA Cap

Non-Prime (Flex A-, Flex B, Flex C) FICO / LTV LLPAs Non-Prime (Flex A-, Flex B, Flex C) ADDITIONAL LLPAsFICO / LTV Loan Amount / LTV

$100K - $149,999$150K - $249,999>$600K - $1MM

Full Doc & Lite Credit

>$1MM - $1.5MM>$1.5MM - $2MMDescription / LTV

30 Year Fixed7/1 ARM

Cash-Out Refi

24 & 12 Month Bk Stmts &

Business Bk Stmts

Second HomeCondo Warrantable

Non-Warrantable2-4 Unit

DTI > 43%

12 Mo. Bk Stmts 620+ 0.250 0.250 0.500 0.500 0.750 0.750 Investor Advantage LLPAs

FICO / LTVFlex

Investor Adv. 3/1 and 7/1

ARM

Flex Investment A and A- LLPAsFICO / LTV

Flex Invest. A

and A- (All Docs)

Investor Advantage ADDITIONAL LLPAsDescription / LTV

7/1 ARMForeign NationalNon-WarrantableNew York State

Flex Investment A and A- ADDITIONAL LLPAsDescription / LTV Flex Investment A and A- & Investor Advantage 3/1 and 7/1 ADDITIONAL LLPAsFlex Investment A- Description / LTVForeign National <$150,000Bk Stmt Products >$1MM

7/1 ARM Cash-Out Refi30 Year Fixed 2-4 Units

DTI > 43% Condo WarrantableNon-Warrantable New York StateNew York State

FLEX ELIGIBILITY REQUIREMENTS - Ratesheets Are Not "Guidelines"

Description Non-Prime Products Investment ProductsFlex A- Flex B Flex C Investment A Investment A- Investor Advantage

Assets Assets Sourced or Seasoned for 60 Days, Gift Funds Allowed for All Grades Except Investment Properties - See Guidelines Enter Asset Docs as NoneAsset Depletion Asset Depletion May Not Be Used To Determine Qualifying Income Asset Depletion May Not Be Used To Determine Qualifying IncomeBankruptcy Ch. 7 24 Months 12 Months Settled 24 Months 24 Months 24 MonthsBankruptcy Ch. 13 Discharged: No Seasoning Req., Dismissed: 12 Mo., Open: Allowed with Conditions 24 Months 24 Months 24 MonthsCash Out $500K Max Cash OutDebt Ratio 43% Max DTI (50% for A- Full Doc/24-Mo. Bk Stmts, See Guidelines for 55% DTI) 50% Max DTI No Maximum DTIFICO Full Doc 500 Min FICO (560 Min FICO for First Time Home Buyers or Second Home) 640 Min FICO 560 Min FICO N/AFICO 24 Bk Stmts 580 Min FICO N/A N/A N/AFICO 12 Bk Stmts 680 Min FICO if <=70% LTV, 720 Min FICO if >70% LTV 640 Min FICO 620 Min FICO N/AFICO Business Stmts 580 Min FICO 640 Min FICO 620 Min FICO N/AFICO Lite Credit 580 Min FICO N/A N/A N/AFICO No Docs N/A N/A N/A 640 or 0 FICO if Foreign Nat.Foreclosure 24 Months 12 Months Settled 24 Months Settled 24 MonthsForeign National Foreign Nationals Ineligible Ineligible Enter FICO as 0 Allowed, Enter FICO as 0Housing Ratio 35% (No max ratio if FICO >=660 and LTV <=70%, or if FICO >=680 and LTV <=80%) No Maximum No Maximum No MaximumLoan Amounts $100K to $2MM $100K to $2MM $100K to $1MM $100K to $2MM $100K to $2MM ($1MM if F.N.)LTV / CLTV Maximum 85% / 90% 80% / 90% 85% / 90% 80% / No Subordinate Finance 70% / No Subordinate Finance

0x60 Past 12 Mo. 0x120 Past 12 Mo. 0x30 Past 12 Mo. 0x30 Past 12 Mo. 0x30 Since Event

$100K to $1MM

0x60x12 (1x60 if 5% Less LTV)Non-Perm Resident Full Doc Only - 6 Mo. Min. Reserves Required IneligibleNon-US Credit Non-Perm Resident with Non-US Credit Qualify at 620 FICO and 12 Mo. Reserves N/A Foreign National Foreign National

Mortgage History

Occupancy Owner Occupied or Second Home Investment InvestmentProperty Type SFR, PUD, Townhouse, 2-4 Units, Modular, Condo (Non-Warrantable Condos Considered - See Guidelines)

Not RequiredResidual Income $1,500 + $150 Per Dependent Not Required Not Required Not Required

Settled 24 Months Settled

Reserves* 3 Months for <=1MM, 6 Months for >1MM, 9 Months for >$1.5MM 12 Months 6 Months

Ineligible States: Alaska, New York, West Virginia. Expanded Prime (A+) also ineligible in Mississippi.

24 Months*Reserves for Near-Prime and Non-Prime Products Reduced to 3 Mo. if All Conditions Met: Primary Occupancy, LTV >=10% Less Than Max Allowed, and Total DTI <=43%.6 Mo. Reserves Required for Lite Credit, FTHB, or No Housing History/Less than 12 Mo. Verified. 2 Mo. Additional Reserves Required for Each Additional Financed Property.


EXPANDED PRODUCTS REQUIRE ESCROWS

Short Sale / DIL 24 Months 24 Months

X33A0T

Rate 21-Day 30-Day 45-Day Rate 21-Day 30-Day 45-Day Rate 21-Day 30-Day 45-Day

3.875 3.430 3.536 3.643 3.875 5.800 5.925 6.050 3.875 4.550 4.675 4.8004.000 2.993 3.099 3.206 4.000 5.175 5.300 5.425 4.000 3.961 4.076 4.2014.125 2.566 2.672 2.779 4.125 4.550 4.675 4.800 4.125 3.386 3.501 3.6124.250 2.162 2.255 2.362 4.250 3.970 4.083 4.195 4.250 2.825 2.940 3.0374.375 1.772 1.851 1.958 4.375 3.430 3.536 3.643 4.375 2.281 2.396 2.4764.500 1.399 1.461 1.568 4.500 2.921 3.021 3.121 4.500 1.758 1.873 1.9324.625 1.045 1.107 1.195 4.625 2.421 2.521 2.621 4.625 1.259 1.374 1.4334.750 0.710 0.772 0.841 4.750 1.944 2.038 2.131 4.750 0.789 0.904 0.9634.875 0.381 0.443 0.506 4.875 1.498 1.585 1.673 4.875 0.352 0.467 0.5265.000 0.057 0.119 0.177 5.000 1.060 1.148 1.235 5.000 -0.050 0.065 0.1245.125 -0.265 -0.203 -0.147 5.125 0.623 0.710 0.798 5.125 -0.424 -0.309 -0.2505.250 -0.587 -0.525 -0.469 5.250 0.230 0.305 0.380 5.250 -0.798 -0.683 -0.6245.375 -0.909 -0.847 -0.791 5.375 -0.145 -0.070 0.005 5.375 -1.172 -1.057 -0.9985.500 -1.231 -1.169 -1.113 5.500 -0.475 -0.412 -0.350 5.500 -1.546 -1.431 -1.3725.625 -1.553 -1.491 -1.435 5.625 -0.765 -0.709 -0.652 5.625 -1.920 -1.805 -1.746


4.750 3.536 3.643 3.749 4.750 5.925 6.050 6.175 4.750 4.675 4.800 4.9254.875 3.099 3.206 3.312 4.875 5.300 5.425 5.550 4.875 4.076 4.201 4.3265.000 2.672 2.779 2.885 5.000 4.675 4.800 4.925 5.000 3.501 3.612 3.7375.125 2.255 2.362 2.468 5.125 4.083 4.195 4.308 5.125 2.940 3.037 3.1625.250 1.851 1.958 2.064 5.250 3.536 3.643 3.749 5.250 2.396 2.476 2.6015.375 1.461 1.568 1.674 5.375 3.021 3.121 3.221 5.375 1.873 1.932 2.0575.500 1.107 1.195 1.301 5.500 2.521 2.621 2.721 5.500 1.374 1.433 1.5345.625 0.772 0.841 0.947 5.625 2.038 2.131 2.225 5.625 0.904 0.963 1.0355.750 0.443 0.506 0.612 5.750 1.585 1.673 1.760 5.750 0.467 0.526 0.5985.875 0.119 0.177 0.283 5.875 1.148 1.235 1.323 5.875 0.065 0.124 0.1966.000 -0.203 -0.147 -0.041 6.000 0.710 0.798 0.885 6.000 -0.309 -0.250 -0.1786.125 -0.525 -0.469 -0.363 6.125 0.305 0.380 0.455 6.125 -0.683 -0.624 -0.5526.250 -0.847 -0.791 -0.685 6.250 -0.070 0.005 0.080 6.250 -1.057 -0.998 -0.9266.375 -1.169 -1.113 -1.007 6.375 -0.412 -0.350 -0.287 6.375 -1.431 -1.372 -1.3006.500 -1.491 -1.435 -1.329 6.500 -0.709 -0.652 -0.596 6.500 -1.805 -1.746 -1.674

FICO/LTV <=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 <=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90760+ (0.250) (0.250) (0.125) 0.000 0.125 0.250 0.500 1.000 (0.750) (0.500) (0.375) (0.125) 0.250 0.750 1.375

740-759 (0.250) (0.125) 0.000 0.250 0.500 0.750 1.250 1.750 (0.625) (0.500) 0.000 0.750 1.250 n/a n/a720-739 (0.250) (0.125) 0.000 0.250 0.500 0.750 1.250 1.750 (0.625) (0.500) 0.000 0.750 1.250 n/a n/a700-719 (0.125) 0.000 0.250 0.375 0.750 1.250 n/a n/a (0.500) (0.250) 0.500 1.500 n/a n/a n/a680-699 (0.125) 0.000 0.250 0.375 0.750 1.250 n/a n/a (0.500) (0.250) 0.500 1.500 n/a n/a n/a660-679 0.375 0.625 1.000 2.000 n/a n/a n/a n/a (0.250) 0.000 1.125 n/a n/a n/a n/a640-659 0.375 0.625 1.000 2.000 n/a n/a n/a n/a (0.250) 0.000 1.125 n/a n/a n/a n/a620-639 0.750 1.000 1.500 2.500 n/a n/a n/a n/a 0.000 0.375 1.750 n/a n/a n/a n/a600-619 0.750 1.000 1.500 2.500 n/a n/a n/a n/a 0.000 0.375 1.750 n/a n/a n/a n/a

<=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95(0.500) (0.500) (0.500) (0.500) (0.500) (0.500) (0.500) (0.500)0.000 0.000 0.125 0.125 0.250 0.250 0.250 0.2500.000 0.000 0.125 0.250 0.375 0.500 n/a n/a FICO/LTV 65.01-70 70.01-75 75.01-80 80.01-90 90.01-950.125 0.375 0.500 0.625 0.625 0.875 n/a n/a 760+ 0.125 0.250 0.250 0.375 0.7500.000 0.125 0.125 0.250 0.250 0.500 n/a n/a 720-759 0.125 0.250 0.250 0.375 n/a0.000 0.000 0.000 0.125 0.125 0.250 0.250 0.250 680-719 0.250 0.375 0.500 n/a n/a2.000 2.000 2.000 n/a n/a n/a n/a n/a 640-679 0.500 n/a n/a n/a n/a(0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) 600-639 0.750 n/a n/a n/a n/a(0.125) 0.000 0.000 0.000 0.125 0.250 0.375 0.5000.250 0.250 0.250 0.250 0.250 n/a n/a n/a0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.1250.000 0.000 0.000 0.000 (0.125) (0.125) (0.250) (0.250) FICO/LTV <=65 65.01-70 70.01-75 75.01-80 80.01-850.000 0.000 0.000 0.000 (0.125) (0.125) n/a n/a 760+ 0.125 0.125 0.250 0.250 0.3750.000 (0.125) (0.125) (0.250) n/a n/a n/a n/a 720-759 0.125 0.125 0.250 n/a n/a0.000 0.000 0.125 0.125 0.125 0.250 0.250 0.250 680-719 0.250 0.250 n/a n/a n/a0.250 0.250 0.250 0.250 0.250 0.250 0.250 0.250 640-679 0.250 n/a n/a n/a n/a0.000 0.125 0.125 0.250 0.250 0.500 n/a n/a 600-639 0.250 n/a n/a n/a n/a

Loan Amt FICO Loan Amt FICO$2.5 MM 720+ 760+

760+ 720-759720-759 680-719680-719 600-679600-679 $2.5 MM 720+

$2.5 MM 720+ 680-719680-719 600-679600-679 $2.5 MM 720+

680-719600-679

DTI Restrictions for Full Doc and Alt Doc First Time Homebuyer Restrictions Interest Only Other RequirementsFull Doc Max DTI 50%: LTV <=80% and 720+ FICO Primary Residence Only Min FICO 680 Loan Amounts 100K to 2.5MMFull Doc Max DTI 43% if FICO <720 or LTV >80% Single Family, PUD, Warrantable Condos Only All occupancy types allowed <=80% LTV: 6 months PITIMax DTI 35%: LTV >90 (Purch/R&T) or >85% (C/O) 9 Months PITIA reserves required 2nd Home, Inv, 2-4 Unit, FTHB >80% LTV: 9 months PITIAlt Doc and I/O Products: Max DTI 43% Non-occupant co-borrowers not permitted Fixed Rate Only 0X30 past 24 months


5/10/18 8:00 AMPeak Plus Rate Locks Online From Daily Posting Until 2:00 PM Pacific

Maximum Rebate After Adjustments - 101.50 Maximum Price in Dollars - $25,000Rate Sheets Represent Borrower Paid Compensation. Pricing in the eXPRESS portal includes all Loan Level Adjustments,


Peak PlusPeak Plus 5/1 Libor Arm (Full Doc) Peak Plus Fixed 30 (Full Doc) Peak Plus Fixed 15 (Full Doc)

(WEPP51L-087) (WEPP30-087) (WEPP15-087)

Peak Plus 5/1 Libor Arm (Alt Doc-24 mo Peak Plus Fixed 30 (Alt Doc - 24m Peak Plus Fixed 15 (Alt Doc - 24mBank Statements) (WEPPBS51L-087) Bank Stmts) (WEPPBS30-087) Bank Stmts) (WEPPBS15-087)

Loan Level Rate Adjustments (LLRAs) - Adjustments are not "Guidelines" - All Adjustments are Cumulative - Max Rate 10% - Min Rate 4% (3.625% for ARM)FULL DOC LLRAs ALT DOC LLRAs

Loan Level Rate Adjustments (LLRAs) - All Adjustments are Cumulative - Maximum Note Rate 10% - Min Rate 4% (3.625% for ARM)DESCRIPTION / LTV5/1 ARM ProductsInterest Only FULL DOC CASH-OUT REFI LLRAsSecond HomeInvestment2-4 UnitsCondoNOO, >10 Fin Prop15-Year FixedLoan Amt >1.5 MMDTI >43*DTI <=43 Full Doc*** ALT DOC CASH-OUT REFI LLRAsDTI <25, >720 FICO*DTI <25, 680-719*DTI <25, <680 FICO*Purchase**New York State**Reduced Alt Doc

* DTI x FICO Adjustments Only Apply to Full Doc Products** Purchase and New York State adjustments are LLPAs. All other adjustments are LLRAs.

*** Applies if Non-QM and Non-Interest Only Maximum LTV for Alt Doc Products is 90%FULL DOC - FIRST LIEN MAX LTV ALT DOC (24 MONTHS BANK STATEMENTS) - FIRST LIEN MAX LTV

Property Purch & Rate/Term Cash-Out Refi Property Purch & Rate/Term Cash-Out Refi

Owner Occupied: SFR, Condo, and

PUD

90% 85%Owner Occupied: SFR, Condo, and

PUD

$2.5 MM 90% 85%

$1.5 MM 95% 95% 80% 75%95% 90% $2 MM 75% 70%

$2 MM 85% 80% 70% 65%75% 70%

Second Home, Investment

80% 75%Investment, Second

Home, and 2-4 Units

85% 80%$2 MM 75% 70%

$2 MM85% 80% 70% 65%75% 70% 2-4 Units Owner

Occupied or Investment

80% 75%Full Doc 90.01%-95% LTV (Purchase or Rate/Term) and 85.01%-90% LTV (Cash

Out) Requirements: Max 35% DTI, Primary Residence Only, Max Loan Amount $1.5MM, 720 FICO Required (760 Required for Cash Out 90.01%-95% LTV)

$2 MM 75%

EXPANDED PRODUCTS REQUIRE ESCROWSEligible In All States And DC. Cash-Out Refinance Is Ineligible In Texas.

70%70% 65%

Alt Doc Debt Ratio Req: Max DTI 43% (>43% req. min residual income $3,5000)


X34A0T

https://secure.approvedfast.com/LandHome/Wholesale_pe328/index
















































Rate 30-Day 45-Day Rate 30-Day 45-Day Rate 12-Day 30-Day 45-Day

5.250 6.175 6.425 5.250 3.749 3.970 6.000 3.324 3.536 3.7495.375 5.550 5.800 5.375 3.312 3.524 6.125 2.897 3.099 3.3125.500 4.925 5.175 5.500 2.885 3.087 6.250 2.480 2.672 2.8855.625 4.308 4.550 5.625 2.468 2.660 6.375 2.076 2.255 2.4685.750 3.749 3.970 5.750 2.064 2.243 6.500 1.686 1.851 2.0645.875 3.221 3.430 5.875 1.674 1.839 6.625 1.313 1.461 1.6746.000 2.721 2.921 6.000 1.301 1.449 6.750 0.959 1.107 1.3016.125 2.225 2.421 6.125 0.947 1.095 6.875 0.624 0.772 0.9476.250 1.760 1.944 6.250 0.612 0.760 7.000 0.295 0.443 0.6126.375 1.323 1.498 6.375 0.283 0.431 7.125 -0.029 0.119 0.2836.500 0.885 1.060 6.500 -0.041 0.107 7.250 -0.351 -0.203 -0.0416.625 0.455 0.623 6.625 -0.363 -0.215 7.375 -0.673 -0.525 -0.3636.750 0.080 0.230 6.750 -0.685 -0.537 7.500 -0.995 -0.847 -0.6856.875 -0.287 -0.145 6.875 -1.007 -0.859 7.625 -1.317 -1.169 -1.0077.000 -0.596 -0.475 7.000 -1.329 -1.181 7.750 -1.639 -1.491 -1.329


6.000 5.675 5.925 6.175 6.000 4.425 4.675 4.925 6.000 5.675 5.925 6.1756.125 5.050 5.300 5.550 6.125 3.836 4.076 4.326 6.125 5.050 5.300 5.5506.250 4.425 4.675 4.925 6.250 3.261 3.501 3.737 6.250 4.425 4.675 4.9256.375 3.858 4.083 4.308 6.375 2.700 2.940 3.162 6.375 3.858 4.083 4.3086.500 3.324 3.536 3.749 6.500 2.156 2.396 2.601 6.500 3.324 3.536 3.7496.625 2.821 3.021 3.221 6.625 1.633 1.873 2.057 6.625 2.821 3.021 3.2216.750 2.321 2.521 2.721 6.750 1.134 1.374 1.534 6.750 2.321 2.521 2.7216.875 1.850 2.038 2.225 6.875 0.664 0.904 1.035 6.875 1.850 2.038 2.2257.000 1.410 1.585 1.760 7.000 0.227 0.467 0.598 7.000 1.410 1.585 1.7607.125 0.973 1.148 1.323 7.125 -0.147 0.065 0.196 7.125 0.973 1.148 1.3237.250 0.535 0.710 0.885 7.250 -0.521 -0.309 -0.178 7.250 0.535 0.710 0.8857.375 0.155 0.305 0.455 7.375 -0.895 -0.683 -0.552 7.375 0.155 0.305 0.4557.500 -0.220 -0.070 0.080 7.500 -1.269 -1.057 -0.926 7.500 -0.220 -0.070 0.0807.625 -0.537 -0.412 -0.287 7.625 -1.643 -1.431 -1.300 7.625 -0.537 -0.412 -0.2877.750 -0.821 -0.709 -0.596 7.750 -2.017 -1.805 -1.674 7.750 -0.821 -0.709 -0.596

FICO/LTV <=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 <=65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95760+ (0.500) (0.375) (0.250) (0.125) 0.000 0.250 0.750 1.500 0.000 0.250 0.250 0.500 0.500 0.500 0.750

740-759 (0.375) (0.125) 0.000 0.250 0.750 1.250 1.750 2.500 0.000 0.250 0.250 0.500 0.500 0.500 n/a720-739 (0.375) (0.125) 0.000 0.250 0.750 1.250 1.750 2.500 0.000 0.250 0.250 0.500 0.500 0.500 n/a700-719 (0.125) 0.000 0.500 0.875 1.500 2.000 n/a n/a 0.000 0.250 0.250 0.500 n/a n/a n/a680-699 (0.125) 0.000 0.500 0.875 1.500 2.000 n/a n/a 0.000 0.250 0.250 0.500 n/a n/a n/a660-679 0.000 0.250 0.750 1.500 n/a n/a n/a n/a 0.000 0.250 n/a n/a n/a n/a n/a640-659 0.000 0.250 0.750 1.500 n/a n/a n/a n/a 0.000 0.250 n/a n/a n/a n/a n/a620-639 0.250 0.500 1.000 1.750 n/a n/a n/a n/a 0.000 0.250 n/a n/a n/a n/a n/a600-619 0.250 0.500 1.000 1.750 n/a n/a n/a n/a 0.000 0.250 n/a n/a n/a n/a n/a

FICO/LTV <=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 <=65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95760+ (0.875) (0.750) (0.625) (0.250) 0.250 0.750 1.500 n/a 0.125 0.250 0.250 0.500 0.750 n/a n/a

740-759 (0.750) (0.375) 0.000 0.750 1.625 n/a n/a n/a 0.125 0.250 0.250 n/a n/a n/a n/a720-739 (0.750) (0.375) 0.000 0.750 1.625 n/a n/a n/a 0.125 0.250 0.250 n/a n/a n/a n/a700-719 (0.625) (0.125) 0.375 1.250 n/a n/a n/a n/a 0.125 0.250 n/a n/a n/a n/a n/a680-699 (0.625) (0.125) 0.375 1.250 n/a n/a n/a n/a 0.125 0.250 n/a n/a n/a n/a n/a660-679 (0.375) 0.125 0.875 n/a n/a n/a n/a n/a 0.125 n/a n/a n/a n/a n/a n/a640-659 (0.375) 0.125 0.875 n/a n/a n/a n/a n/a 0.125 n/a n/a n/a n/a n/a n/a620-639 (0.125) 0.375 1.125 n/a n/a n/a n/a n/a 0.125 n/a n/a n/a n/a n/a n/a600-619 (0.125) 0.375 1.125 n/a n/a n/a n/a n/a 0.125 n/a n/a n/a n/a n/a n/a

<=60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95(0.500) (0.500) (0.500) (0.500) (0.500) (0.500) (0.500) (0.500)0.250 0.250 0.250 0.250 0.250 0.250 0.250 0.2500.375 0.375 0.375 0.375 n/a n/a n/a n/a0.500 0.500 0.500 0.500 n/a n/a n/a n/a0.500 0.500 0.500 0.500 0.500 0.500 n/a n/a0.375 0.375 0.375 0.375 0.375 0.375 0.375 0.3752.000 2.000 2.000 n/a n/a n/a n/a n/a(0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250)(0.125) 0.000 0.000 0.000 0.125 0.250 0.375 0.5000.250 0.250 0.250 0.375 0.625 n/a n/a n/a0.125 0.125 0.125 0.125 0.125 0.125 0.125 n/a0.000 0.000 0.000 0.000 (0.250) (0.250) (0.500) (0.500)0.000 0.000 (0.125) (0.250) (0.500) (0.500) n/a n/a0.000 0.000 0.125 0.125 0.125 0.250 0.250 0.2500.250 0.250 0.250 0.250 0.250 0.250 0.250 0.2500.250 0.250 0.250 0.250 0.250 n/a n/a n/a

Loan Amt FICO Loan Amt FICO760+ 760+

720-759 720-759680-719 680-719600-679 600-679

$2.5 MM 720+ $2.5 MM 720+680-719 680-719600-679 600-679

$2.5 MM 720+ $2.5 MM 720+680-719 680-719600-679 600-679

$2.5 MM 720+ $2.5MM 720+$2 MM 600-719 680-719

600-679

95%-90% LTV (Purch/Rate-Term/Cash Out) First Time Homebuyer Restrictions Interest Only Other RequirementsMin FICO for 95% Cash Out Refi: 760 Primary Residence Only Min FICO 680 Loan Amounts 100K to 2.5MMMin FICO for 95% Purchase or Rate/Term Refi: 720 Single Family, PUD, Warrantable Condos Only All Occupancy Types AllowedMin FICO for 90% Cash Out Refi: 720 6 Months PITIA reserves required Fixed Rate OnlyMax 35% DTI Non-occupant co-borrowers not permitted Max DTI 43%


5/10/18 8:00 AMPeak Plus Rate Locks Online From Daily Posting Until 2:00 PM Pacific

Maximum Rebate After Adjustments - 101.50 Maximum Price in Dollars - $25,000Rate Sheets Represent Borrower Paid Compensation. Pricing in the eXPRESS portal includes all Loan Level Adjustments,


PeakPeak Fixed 30 (Full Doc) Peak 5/1 Libor ARM (Full Doc) Peak 5/1 Libor Arm (Alt Doc -

(WEP30-087) (WEP51L-087) 24m Bank Stmts) (WEPBS51L-087)

Peak Fixed 30 (Alt Doc - Peak Fixed 15 (Alt Doc - Peak Fixed 30 I/O (Alt Doc - 24m24m Bank Stmts) (WEPBS30-087) 24m Bank Stmts) (WEPBS15-087) Bank Stmts) (WEPBS30IO-087)

Loan Level Rate Adjustments (LLRAs) - Adjustments are not "Guidelines" - All Adjustments are Cumulative - Max Rate 10% - Min Rate 4% (3.625% for ARM)FULL DOC LLRAs FULL DOC CASH OUT REFI LLRAs

ALT DOC LLRAs ALT DOC CASH OUT REFI LLRAs

Loan Level Rate Adjustments (LLRAs) - All Adjustments are Cumulative - Maximum Note Rate 10% - Min Rate 4% (3.625% for ARM)DESCRIPTION / LTV5/1 ARM Products • Credit Scores as low as 600Interest Only • 3 years seasoning on BK Ch. 7, 2 years on BK Ch 13,Second Home 3 years on foreclosure, 2 years on modification/short sale/DILInvestment • 24 months bank statements (personal or business)2-4 Units • No limit for cash-out refinanceCondo • Gift funds allowedNOO, >10 Fin Prop • No pre-payment penalties15-Year Fixed • Owner occupied, 2nd homes, and Non-Owner occupiedLoan Amt >1 MM • Permanent and Non-Permanent Resident Aliens allowedDTI >43 Full DocDTI <=43 Full Doc*** Mortgage / Housing History RequirementsDTI <25% FICO 720+ 0x30 in the past 12 monthsDTI <25% FICO <720 0x60 in the past 24 monthsPurchase**New York State** Cash Out Refinance (No Cash Out Limit)Reduced Alt Doc Min 12 mo. ownership seasoning for cash out transactions

* DTI x FICO Adjustments Only Apply to Full Doc Products Min 12 mo. ownership seasoning to use** Purchase and New York State adjustments are LLPAs. All other adjustments are LLRAs. appraised value to determine LTV/CLTV

*** Applies if Non-QM and Non-Interest Only Maximum LTV for Alt Doc Products is 90%FULL DOC - FIRST LIEN MAX LTV ALT DOC (24 MONTHS BANK STATEMENTS) - FIRST LIEN MAX LTV

Property Purch & Rate/Term Cash-Out Refi Property Purch & Rate/Term Cash-Out Refi

Owner Occupied: SFR, Condo, and

PUD

$2.5 MM 95% 95%Owner Occupied: SFR, Condo, and

PUD

$2.5 MM

$2 MM 85% 80% $2 MM

90% 85%95% 90% 80% 75%

75% 70%75% 70% 70% 65%

Second Home, Investment

75% 70% Second Home, Investment

75% 70%

$2 MM 75% 70% $2 MM 75% 70%75% 70% 70% 65%

2-4 Units Owner Occupied

85% 80% 2-4 Units Owner Occupied

80% 75%

$2 MM 85% 80% $2 MM 75% 70%75% 70% 70% 65%75% 70% 2-4 Units

Investment

75% 70%75% 70% $2 MM 75%

LOAN MUST BE CONDITIONALLY APPROVED TO LOCK AN EXPANDED PRODUCTEXPANDED PRODUCTS REQUIRE ESCROWS

Eligible In All States And DC. Cash-Out Refinance Is Ineligible In Texas.

70%Full Doc 90.01%-95% LTV (Purchase or Rate/Term) and 85.01%-90% LTV (Cash

Out) Requirements: Max 35% DTI, Primary Residence Only, Max Loan Amount $1.5MM, 720 FICO Required (760 Required for Cash Out 90.01%-95% LTV)

70% 65%

Alt Doc Debt Ratio Req: Max DTI 43% (>43% req. min residual income $2,5000)


2-4 Units Investment

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5/1 Arm 24 mos Bank Stmts 5/1 Arm 12 mos Bank Stmts 5/1 Arm Lite Doc 5/1 Arm(WE51L-078) (WEBS51L-078) (WEBSL51L-078) (WELD51L-078)

5/1 Arm I/O 24 mos Bank Stmts 5/1 Arm I/O 12 mos Bank Stmts 5/1 Arm I/O Lite Doc 5/1 Arm I/O(WE51LIO-078) (WEBS51LIO-078) (WEBSL51LIO-078) (WELD51LIO-078)

Asset Dep 5/1 Arm(WEASDP51L-078)

Asset Dep 5/1 Arm I/O(WEASDP51LIO-078)

0.125 (0.250) 0.2500.500 (0.250) 0.7500.250 0.250 0.2500.250 0.250 0.5000.500 0.750 0.500

(0.125) 0.500 0.750(0.500) 0.250 New York State 1.000(0.125)0.250

(0.250) (0.375)

Type Max Amt FICO Type Max Amt FICO700+ 700+

660-699 660-699700+ 700+

680-699 680-699660-679 660-679640-659 640-659620-639 620-639

700+ 700+660-699 660-699

700+ 700+660-699 660-699640-659 640-659620-639 620-639

700+ 700+680-699 680-699660-679 660-679640-659 640-659620-639 620-639

Type Max Amt FICO Type Max Amt FICO$2.5 MM 700+ $2.5 MM 700+

680+ 680+620-679 620-679

700+ 700+680-699 620-699620-679

Type Max Amt FICO Type Max Amt FICO$2.5 MM 620+$1 MM 620+


5/10/18 8:00 AMSelect Rate Locks Online From Daily Posting Until 2:00 PM Pacific

Maximum Rebate After Adjustments - 102.00Pricing Caps and Lender Paid Compensation (LPC). Online Rate/Price supersedes published rate sheets.

LHFSWholesale.comSelect

Click Here for a Comparison of All

Select Products

SELECT FEATURES AND REQUIREMENTSMultiple Housing Events Allowed, 12 Month Seasoning. 36 Month Seasoning Not Considered - No Hits to Price.

24 or 12 Mo. Bank Stmts. Or 1 Year Tax Return or W-2 with Paystubs Showing YTD Income and 2 Mo. Bank StmtsAllows Blended Asset Depletion With Other Income Sources Or Blended Bank Statements And W2

FICO Lowest Mid Of BorrowersSeasoned Second Considered Rate And Term - No Adds To Pricing

Tradelines - 3 for 24 Months - Exceptions made, please inquireNon Warrantable - Investor Concentration. Percentages Of Single Ownership.

Nuisance Condo Litigation Allowed, Other Litigation Case By Case, No Structural LitigationMax DTI 55% (Max DTI 50% if LTV >65%)

Unlimited Cash Out Up To 55% LTV (Cash Out Up To $300,000 If LTV > 55%)Up To Ten Financed Properties

* Click here for full details of income documentation requirements *LLRAs (Loan Level Rate Adjustments) Are Cumulative - Rate Sheets Are Not Guidelines

Second Home FICO >= 780 24 mos Bank Stmts ProductsInvestment FICO >= 740 12 mos Bank Stmts ProductsLoan Amount > $1.5 MM FICO < 700 Lite Doc Products (1 Yr Tax Return or W-2 & Bank Stmts)Interest Only FICO < 660 Asset Dep Products (Asset Depletion)Cash-Out Refinance FCL/SS/BKR in prev. 13-36 Mo. LTV <= 60% Non-Resident Foreign NationalLTV <= 55% DTI >= 50% LTV 60.01% - 65% Non-Resident Foreign NationalLTV <= 65% LTV 65.01% - 70% Non-Resident Foreign NationalLTV <= 65% in the following states: AK, AL, AR, GA, IA, IN, KS, KY, MO, MS, NC, NE, NH, SC, TN, UT, WA LTV > 75.1%

Exception Fee LLPAs (Loan Level Price Adjustments) - Rate Sheets Are Not GuidelinesStandard Exception Non Warrantable Condo Exception

5/1 Arm (Full Doc) and Lite Doc 5/1 ARM (1 yr Tax Return Or Recent W-2 with 2 mo Bank Stmts)24 mos Bank Stmts 5/1 Arm and 12 mos Bank Stmts 5/1 Arm

Max LTV / CLTV for Owner Occupied or Second Home Max LTV / CLTV for Owner Occupied or Second HomePurch, Rate Term Cash Out Purch, Rate Term Cash Out

SFR, PUD

$2.5 MM 65% / 70% 55% / 70%

SFR, PUD

$2.5 MM 60% / 70% 55% / 70%60% / 70% n/a 55% / 70% n/a

$1.5 MM 80% / 80% 75% / 75% $1.5 MM 75% / 75% 75% / 75%80% / 80% 70% / 70% 70% / 70% 70% / 70%

$1 MM70% / 70% 60% / 70%

$1 MM60% / 70% 60% / 70%

65% / 70% 55% / 70% 55% / 70% 55% / 70%60% / 70% 50% / 70% 50% / 70% 50% / 70%

2-4 Units

$2.5 MM 65% / 70% 55% / 70%

2-4 Units

$2.5 MM 60% / 70% 55% / 70%60% / 70% n/a 55% / 70% n/a

$1 MM

65% / 70% 65% / 70%

$1 MM

60% / 70% 60% / 70%60% / 70% 55% / 70% 55% / 70% 55% / 70%

50% / 70% 50% / 70%

55% / 70% 50% / 70% 55% / 70% 50% / 70%50% / 70% 50% / 70% 50% / 70% 50% / 70%

75% / 75% 70% / 70%75% / 75% 65% / 70% 70% / 70% 65% / 70%80% / 80% 70% / 70%

Condo $1 MM 55% / 70% 55% / 70%55% / 70% 50% / 70% 50% / 70% 50% / 70%60% / 70% 55% / 70%

50% / 70% 50% / 70%Max LTV / CLTV for Investment Properties Max LTV / CLTV for Investment Properties

Purch, Rate Term Cash Out* Purch, Rate Term Cash Out*

Condo $1 MM

SFR, PUD, 2-4 Unit

60% / 70% 55% / 70% SFR, PUD, 2-4

Unit

60% / 70% 55% / 70%

$1 MM 65% / 70% 50% / 70% $1 MM 60% / 70% 50% / 70%50% / 70% 50% / 70% 50% / 70% 50% / 70%

Condo $1 MM65% / 70% 55% / 70% Condo $1 MM

50% / 70% 50% / 70%

Purch, Rate Term Cash Out*

60% / 70% 55% / 70%60% / 70% 50% / 70% 55% / 70% 50% / 70%

50% / 50% 50% / 50% All Property Types

$2.5 MM 620+

Asset Dep 5/1 ARM (Asset Depletion)Max LTV / CLTV for Owner Occupied or Second Home Max LTV / CLTV for Investment Properties

Purch, Rate Term Cash Out

50% / 50% 50% / 50%55% / 55% 55% / 55%2-4 Unit, Condo $2.5 MM 620+ 50% / 50% 50% / 50%

SFR, PUD

Not Available in New York. Cash-Out Refinances Ineligible in Texas.

*Cash Out transactions with LTV <= 55% have no cash in hand limit. Cash Out transaction with > 55% LTV limited to $300,000 cash in hand.• The LTV/CLTV grids above include I/O loans. I/O loans are interest only for the initial 60 months, then are fully amortizing for the remaining 300 months.• In addition to the refinance of any properties owned free and clear, the payoff/pay down of any debt other than the following will be considered cash-out transactions: first mortgage liens, HELOC with no draws taken in past 12 months, purchase money second mortgage liens, closed end second mortgage liens at least 12 months old.



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Rate 30-Day Rate 30-Day

4.750 4.625 4.250 4.7504.875 4.000 4.375 4.1255.000 3.250 4.500 3.5005.125 2.625 4.625 3.0005.250 2.000 4.750 2.3755.375 1.375 4.875 1.8755.500 0.875 5.000 1.3755.625 0.250 5.125 0.8755.750 -0.250 5.250 0.3755.875 -0.750 5.375 -0.2506.000 -1.250 5.500 -0.7506.125 -1.750 5.625 -1.2506.250 -2.250 5.750 -1.625

FICO680-699700-719720-739740+

New York State 0.250


5/10/18 8:00 AMHobby Farm Rate Locks Online From Daily Posting Until 2:00 PM Pacific

Rate Sheets Represent Borrower Paid Compensation. Pricing in the eXPRESS portal includes all Loan Level Adjustments,Pricing Caps and Lender Paid Compensation (LPC). Online Rate/Price supersedes published rate sheets.

LHFSWholesale.comHobby Farm

Hobby Farm Fixed 30 (WEHF30-000) Hobby Farm Fixed 15 (WEHF15-000)

HOBBY FARM FEATURES

Loan Amounts up to $2,000,000Cash Out up to $100,000

Outbuildings, Barns, Pastureland and Tillable Acreage AllowedProperties Generally Range from 5 - 160 Acres

Typical Maximum DTI 39%DTI up to 43% with Significant Compensating Factors*

Minimum FICO 680Purchase, Refi Cash Out, or Rate and Term

*Significant compensating factors may include a credit score of 750, owner equity of 50% or more, significant cash reserves and Loan-to-Value (LTV) ratios lower than stated guidelines. Please contact [email protected] for more information.

Loan Amount Maximum LTV Maximum CLTV$600,000 80% 95%$750,000 75% 90%

$1,000,000 70% 80%$1,500,000 65% 75%$2,000,000 60% 70%

HOBBY FARM LLRAs (Loan Level Rate Adjustments) TO BASE RATE

Loan Amount Rate Adjustment$0 - $600,000 0.000$600,001 - $750,000 0.125$750,001 - $1,000,000 0.250$1,000,001 - $1,500,000 0.500$1,500,001 - $2,000,000 0.500

Refi Cash Out - Rate Adjustment0.250



Rate Adjustment0.1250.1250.000(0.125)

HOBBY FARM LLPAs (Loan Level Price Adjustments)

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