AIO RATE SHEET

AIO CERTIFICATION

Send an email to aio@cmgfi.com to discuss this option.

SIMULATOR

LOCKING YOUR AIO LOAN

► All AIO loans must have all PTD conditions cleared except the QA call at the time of lock request.

► Locks are requested via email to retaillockdesk@cmgfi.com by the LO/Processor. Margins will need to be specified at time of lock request.

► There is no defined lock term on AIO loans. All locks will expire on the last day of each month and must fund at the end of the month (Rollback to Friday if end of month is a weekend)

► Loans will require a relock and docs will need to be redrawn if the rate lock has expired and not funded in the same month

► Margin changes are permitted on locked loans. All margin changes must be requested through the lock desk. If a higher margin is selected, the underwriter must review the loan prior to proceeding with the lock.

► If the loan’s index value has increased, underwriting must review the file to recalculate the DTI and ensure the borrower meets program allowances prior to redraw and closing.

► Any other loan parameter changes requested after loan is locked will require the underwriter’s approval prior to having the changes made.

RESOURCES

To access the CLEAR Resource Center, please sign into CLEAR at www.cmgclear.com. Once in CLEAR, you may find the CLEAR Resources available to assist you in originating loans in CLEAR under the CLEAR How To page in the upper right hand corner.

Rate SheetRETAIL LENDINGNMLS# 1820 | WWW.CMGFI.COM

SUBMITAIO TRAINING GUIDE

Do Your Clients a Favor and Offer Them The Smarter Way to Borrow™

©All-In-One Loan™ and the All-In-One logo are trademarks of CMG Financial. All rights reserved. © 2020 CMG Financial, All Rights Reserved. CMG Financial is a registered trade name of CMG Mortgage, Inc., NMLS# 1820 in most, but not all states. CMG Mortgage, Inc. is an equal opportunity lender, licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act No. 4150025. To verify our complete list of state licenses, please visit www.cmgfi.com/corporate/licensing and www.nmlsconsumeraccess.org.

Set yourself apart and grow your business.Schedule time with our product specialists to begin your journey in understanding how this loan has the potential to disrupt an industry and improve the lives of millions of borrowers across the nation.

Dave HerbstVP, All In One Finance

SCHEDULE

Erin WoodAll In One Specialist

SCHEDULE

Get the Interactive Simulator on your website!Great news! CMG Financial’s All In One Loan™ Interactive Simulator can now be added to your website.  The link is a non-branded version you can use on your webpage for customers to explore and navigate through the simulator while remaining on your website!

AIO TRAINING OPPORTUNITIES

“AIO Lunch and Learn” - Webinar for Clients & Referral PartnersInvite your clients and referral partners to learn how the All In One Loan helps eliminate mortgage and interest expense more rapidly while keeping equity dollars liquid, resulting in significant opportunities for borrowers to invest and save more aggressively. This program benefits everyone involved.

REGISTER

“AIO Sales and Marketing” - Webinar for Loan Officers How do you get the most out of the AIO Marketing Resource Center? Join our In-House AIO Specialist, Erin Wood to review how you can market/ promote the All In One Loan to your network. She will review using the All In One Marketing Resource Center, how to post to Social Media, customizing flyers and presentations and utilizing the AIO resources we have made available for you.

REGISTER

“Retail Basics Training” - Webinar for Loan OfficersDuring this webinar you will quickly learn how the All In One Loan program works, what features it includes, who it’s right for and how to leverage the many resources available in your marketing efforts. Upon completing the basic training, you will have the opportunity to set up a 1-1 coaching call with Dave Herbst, VP, AIO Finance as well as in-market seminar support.

REGISTER

AIO BULLETIN BOARD

Changes to #801WABfor Non-Owner-Occupied PropertiesEffective 08/24/2020. See rate sheet for details.

Rate Sheet Date

Index: 1 Mo LIBOR

75.01 ‐ 80 0.500 Cash‐Out 0.000

65.01 ‐ 75 0.000

0 ‐ 65 (0.500) Total AIO loans per borrower: 2

70.01 ‐ 75 0.500 Cash‐Out 0.000

0 ‐ 70 0.000

Total AIO loans per borrower: 1

www.aioloan.net www.cmgfi.com

Become AIO Certified: AIO Certification

Geographic Limits: 5% LTV Reduction in NY/NJ Min FICO: 720 Max cash‐out on N/O/O: 250,000.00$                                     

The interest rate charged cannot be lower than the floor 

rate displayed to the right. Ceiling

The greater of index + margin + 

6% or floor + 6%

ALLOWANCES

Max Loan Amount: $1,000,000 Max DTI: 43% Max LTV: 75%

3.500 0.000 Accepted on a case by case basis

3.750 (0.500) CMG Condo questionnaire required to be completed

4.000 (0.750) RATE CAPS

Asset depletion: 120 months (Check Guidelines for details)

Intermediate None

801‐WAB‐NOO (INVESTMENT PROPERTIES ONLY) ‐ FOR APPLICATIONS DATED PRIOR TO 8/24 USE PRODUCT CODE 801‐WAB FOR NOO TRANSACTIONS

1‐MONTH ADJUSTABLE BASED ON INDEX AND MARGIN FOR 360 MONTHS

LOANS SERVICED BY NORTHPOINTE BANK

MARGIN PRICE PRICING ADJUSTMENTS ADDITIONAL NICHE FEATURES

3.250 0.500 LTV MISC. Non‐warrantable condos:

Floor 4.750

Intermediate None

3.500 0.000 RATE CAPS Servicing: White Label 

The interest rate charged cannot be lower than the floor 

rate displayed to the right. 

The interest rate charged cannot be lower than the floor 

rate displayed to the right. 

Page 1 of 2

43% Max LTV: 90%

Geographic Limits: Not available in TX or NY Min FICO: 700 PMI: Allowed

CeilingThe greater of index + margin + 

6% or floor + 6%

Borrower Paid Single Premium Option (See PMI Matrix on pg 2)

Lender Paid Option (See PMI Matrix on pg 2)

(0.500) Floor 3.750

45% Max LTV: 80%

Geographic Limits: Available in 9 counties in CA or borrower works for a Member Company (Check Guidelines) Min FICO: 700

CeilingThe greater of index + margin + 

6% or floor + 6%

Floor 3.750 Requires min. of $10,000 per month disposable income

Intermediate None

Cash‐Out 0.000

RATE CAPS DTI Exceptions: Up to 50% 

2.750

Second Home 0.000

3.000 1.000 Non‐Owner Occupied Not Allowed Non‐Permanent Resident Aliens: Allowed

1.500 Second Home 0.000

3.000 1.000 Non‐Owner Occupied Not Allowed Asset depletion: 120 months (Check Guidelines for details)

LTV's greater than 80%: Allowed 

3.250 0.500 Cash‐Out 0.000

MARGIN PRICE PRICING ADJUSTMENTS ADDITIONAL NICHE FEATURES

2.500 2.000 Owner Occcupied 0.000 Total AIO loans per borrower: 2

Geographic Limits: Only available in: AZ, CO, FL, IA, ID, IL, IN, MI, MN, MO, NC, OR, SC, WI Min FICO: 700

801‐KP

1‐MONTH ADJUSTABLE BASED ON INDEX AND MARGIN FOR 360 MONTHS

ALLOWANCES

Max Loan Amount: ‐$1,500,000 Max DTI: 43% Max LTV: 80%

Intermediate None

CeilingThe greater of index + margin + 

6% or floor + 6%The interest rate charged cannot be lower than the floor 

rate displayed to the right. 

3.500 0.000 RATE CAPS

3.750 (0.500) Floor 3.750

3.000 1.000 Non‐Owner Occupied Not Allowed

3.250 0.500 Cash‐Out 0.000

2.500 2.000 Owner Occcupied 0.000 Total AIO loans per borrower: 1

2.750 1.500 Second Home 0.000

Geographic Limits: 5% LTV Reduction in NY/NJ Min FICO: 700

ALLOWANCES

Max Loan Amount: $2,000,000 Max DTI: 43% Max LTV: 80%

CeilingThe greater of index + margin + 

6% or floor + 6%

(0.500) Floor 3.750

Intermediate None

The interest rate charged cannot be lower than the floor 

rate displayed to the right. 

2.750 1.500 Accepted on a case by case basis

3.000 1.000 CMG Condo questionnaire required to be completed

Asset depletion: 120 months (Check Guidelines for details)

3.250 0.500

3.500 0.000 RATE CAPS

ADDITIONAL NICHE FEATURES

2.500 2.000 Non‐warrantable condos:

801‐WAB (PRIMARY RESIDENCE & SECOND HOMES ONLY)

1‐MONTH ADJUSTABLE BASED ON INDEX AND MARGIN FOR 360 MONTHS

LOANS SERVICED BY NORTHPOINTE BANK

LTV MISC.

ALL LOANS MUST PASS STATE, FEDERAL AND FNMA HIGH COST TESTS TO BE ELIGIBLE FOR FUNDING. TERMS AND CONDITIONS APPLY. PRICING NOT REPRESENTATIVE OF GUIDELINES. RATES ARE SUBJECT TO 

CHANGE WITHOUT NOTICE. THIS INFORMATION IS INTENDED FOR PROFESSIONAL OR BUSINESS USE ONLY. NOT FOR CONSUMER DISTRIBUTION.

PROGRAM INFORMATION

INDEX: 1 MONTH LIBOR

 FULLY INDEXED RATE: INDEX + MARGIN      

MONTHLY PAYMENT: SUM OF EACH DAY'S INTEREST 

(FULLY INDEXED RATE / 365 DAYS X NIGHTLY BALANCE)   

QUALIFYING PAYMENT: Check Guidelines for Details PROCESSING FEES: MAY NOT EXCEED $695

Pricing is based on initial advance amount at closing

Max Loan Amount: $2,000,000 Max DTI:

Max Loan Amount: $2,000,000 Max DTI:

ALLOWANCES

MARGIN PRICE PRICING ADJUSTMENTS ADDITIONAL NICHE FEATURES

2.500 2.000 Owner Occcupied

2.750 1.500

0.000 Total AIO loans per borrower: 1

November 2020

0.140%

LOANS SERVICED BY KEYPOINT CREDIT UNION

PRICE PRICING ADJUSTMENTS ADDITIONAL NICHE FEATURES

3.750

MARGIN PRICE PRICING ADJUSTMENTS

801‐NPB

1‐MONTH ADJUSTABLE BASED ON INDEX AND MARGIN FOR 360 MONTHS

LOANS SERVICED BY NORTHPOINTE BANK

MARGIN

ALLOWANCES

3.750

801‐MBI

1‐MONTH ADJUSTABLE BASED ON INDEX AND MARGIN FOR 360 MONTHS

LOANS SERVICED BY MERCHANTS BANK OF INDIANA

The All In One Loan™ is the nation's only broadly offered off‐set mortgage product. Available for new home purchases and mortgage refinances, it provides borrowers more control of their loan's 

principal balance, interest costs and pay‐off timing as well as access to their home's equity dollars without refinancing. Learn why homeowners everywhere are switching to The Smarter Way to 

Borrow™.

1‐MONTH ADJUSTABLE PROGRAMS

RATE SHEETR E T A I L

Rate Sheet Date

Index: 1 Mo LIBOR

INTRO RATE MARGIN

3.750 3.250

3.750 3.500 75.01 ‐ 80 0.500 Cash‐Out 0.000

3.750 3.750 65.01 ‐ 75 0.000

0 ‐ 65 (0.500) Total AIO loans per borrower: 2

INTRO RATE MARGIN

4.750 3.750

70.01 ‐ 75 0.500 Cash‐Out 0.000

0 ‐ 70 0.000

Total AIO loans per borrower: 1

INTRO RATE MARGIN

3.750 3.000

3.750 3.250

FICO 760+ FICO 740‐759 FICO 720‐739

6% 0.625 0.690 0.740

12% 1.250 1.580 1.910

FICO 760+ FICO 740‐759 FICO 720‐739

6% 0.630 0.690 0.740

12% 1.250 1.580 1.910

www.aioloan.net www.cmgfi.com

Become AIO Certified: AIO Certification

ALLOWANCES

Max Loan Amount: $1,000,000 Max DTI: 43% Max LTV: 75%

Geographic Limits: 5% LTV Reduction in NY/NJ Min FICO: 720 Max cash‐out on N/O/O: $250,000

CeilingThe greater of index + margin + 

6% or floor + 6%

Accepted on a case by case basis

CMG Condo questionnaire required to be completed

RATE CAPS

Asset depletion: 120 months (Check Guidelines for details)Floor 4.750

80.01‐85%

85.01‐90%

Minimum FICO Required

801‐MBI 720

801‐MBI‐5FIX 720

BORROWER PAID SINGLE PREMIUM

LTV  COVERAGE %PRICING ADJUSTMENTS

ALL LOANS MUST PASS STATE, FEDERAL AND FNMA HIGH COST TESTS TO BE ELIGIBLE FOR FUNDING. TERMS AND CONDITIONS APPLY. PRICING NOT REPRESENTATIVE OF GUIDELINES. RATES ARE SUBJECT TO 

CHANGE WITHOUT NOTICE. THIS INFORMATION IS INTENDED FOR PROFESSIONAL OR BUSINESS USE ONLY. NOT FOR CONSUMER DISTRIBUTION.

PMI MATRIX ‐ UPFRONT PREMIUM OPTIONS ONLY (No Monthly)

PROGRAM INFORMATION

INDEX: 1 MONTH LIBOR

 FULLY INDEXED RATE: INDEX + MARGIN      

MONTHLY PAYMENT: SUM OF EACH DAY'S INTEREST 

(FULLY INDEXED RATE / 365 DAYS X NIGHTLY BALANCE)   

QUALIFYING PAYMENT: Check Guidelines for Details PROCESSING FEES: MAY NOT EXCEED $695

Pricing is based on initial advance amount at closing

ARCH MI

ELIGIBLE PROGRAMS:Program Code Minimum FICO Required

801‐MBI 760

801‐MBI‐5FIX 740

BORROWER PAID SINGLE PREMIUM

Online pricing portal:  https://ratestar.archmi.com/quote/#/?provider=CMG

MGIC

ELIGIBLE PROGRAMS:Program Code

700 PMI: Allowed

Lender Paid Option (See PMI Matrix)

ALLOWANCES

Max Loan Amount: $2,000,000 Max DTI: 43% Max LTV: 90%

Geographic Limits: Not available in TX or NY Min FICO:

Intermediate Month 61: 2%, Month 62: 2% LTV's greater than 80%: Allowed 

CeilingThe greater of index + margin + 

6% or floor + 6%

Borrower Paid Single Premium Option (See PMI Matrix)

RATE CAPS Servicing: White Label 

Floor 3.750

Non‐Owner Occupied Not Allowed Asset depletion: 120 months (Check Guidelines for details)

Cash‐Out 0.000

1.500 Owner Occcupied 0.000 Total AIO loans per borrower: 2

0.500 Second Home 0.000

Max Loan Amount: $2,000,000 Max DTI: 43% Max LTV: 80%

CeilingThe greater of index + margin + 

6% or floor + 6%

ALLOWANCES

RATE CAPS

1.000 CMG Condo questionnaire required to be completed

LOANS SERVICED BY NORTHPOINTE BANK

PRICE PRICING ADJUSTMENTS ADDITIONAL NICHE FEATURES

2.000 Non‐warrantable condos:LTV MISC.

Asset depletion: 120 months (Check Guidelines for details)

Floor 3.750

NoneIntermediate

November 2020

0.140%

The All In One Loan™ is the nation's only broadly offered off‐set mortgage product. Available for new home purchases and mortgage refinances, it provides borrowers more control of their loan's 

principal balance, interest costs and pay‐off timing as well as access to their home's equity dollars without refinancing. Learn why homeowners everywhere are switching to The Smarter Way to 

Borrow™.

3 AND 5‐YEAR FIXED PROGRAMS

801‐WAB‐3FIX (PRIMARY RESIDENCE & SECOND HOMES ONLY)

3‐YEAR FIXED WITH INTRODUCTORY RATE, THEN 1‐MONTH ADJUSTABLE BASED ON INDEX AND MARGIN FOR REMAINING 324 MONTHS 

1.500 Accepted on a case by case basis

Page 2 of 2

85.01‐90%

MORTGAGE INSURANCE

ELIGIBLE PROGRAMS:Program Code Minimum FICO Required

801‐MBI 720

801‐MBI‐5FIX 720

LENDER PAID OPTION     (LPMI Adjustments are based off the Line Amount)

LTV  COVERAGE %PRICING ADJUSTMENTS

80.01‐85%

801‐MBI‐5FIX

5‐YEAR FIXED AT FULLY INDEXED RATE BASED ON INDEX AND MARGIN, THEN FULLY ADJUSTABLE BASED ON INDEX AND MARGIN FOR REMAINING 300 MONTHS

LOANS SERVICED BY MERCHANTS BANK OF INDIANA

PRICE PRICING ADJUSTMENTS ADDITIONAL NICHE FEATURES

Geographic Limits: 5% LTV Reduction in NY/NJ Min FICO: 700

801‐WAB‐3FIX‐NOO (INVESTMENT PROPERTIES ONLY) ‐ FOR APPLICATIONS DATED PRIOR TO 8/24 USE PRODUCT CODE 801‐WAB FOR NOO TRANSACTIONS

3‐YEAR FIXED WITH INTRODUCTORY RATE, THEN 1‐MONTH ADJUSTABLE BASED ON INDEX AND MARGIN FOR REMAINING 324 MONTHS 

LOANS SERVICED BY NORTHPOINTE BANK

PRICE PRICING ADJUSTMENTS ADDITIONAL NICHE FEATURES

0.500 LTV MISC. Non‐warrantable condos:

Intermediate None

RATE SHEETR E T A I L