Products And Pricing

Conventional 30/25 Year Fixed

RATE % 30 DAY
3.7500.300
3.875-0.322
4.000-0.711
4.125-1.393
4.250-2.026
4.375-2.629
4.500-3.101
4.625-3.557
4.750-4.108
4.875-4.456
4.990-4.669
5.000-4.715

Conventional 20 Year Fixed

RATE % 30 DAY
3.7500.203
3.875-0.449
4.000-0.991
4.125-1.625
4.250-2.177
4.375-2.738
4.500-3.124
4.625-3.641
4.750-4.082
4.875-4.461
5.000-4.658
5.125-5.144
5.250-5.701
5.375-6.085
5.500-6.296

Conventional 15 Year Fixed

RATE % 30 DAY
3.1250.754
3.2500.227
3.375-0.381
3.500-0.794
3.625-1.273
3.750-1.759
3.875-2.176
3.990-2.457
4.000-2.591
4.125-3.107
4.250-3.551
4.375-3.868
4.500-3.953
4.625-4.057
4.750-4.222

Conventional 10 Year Fixed

RATE % 30 DAY
3.0000.923
3.1250.513
3.250-0.293
3.375-0.785
3.500-1.051
3.625-1.353
3.750-2.340
3.875-2.527
4.000-2.821
4.125-3.181
4.250-3.307
4.375-3.464
4.500-4.006
4.625-4.105
4.750-4.242

 LTV / FICO ADJUSTMENTS > 15 YRS
<=60% 60.01-70% 70.01-75% 75.01-80% 80.01-85% 85.01-90% 90.01-95% 95.01-97%
620-639 0.50 1.50 3.00 3.00 3.25 3.25 3.25 3.50
640-659 0.50 1.25 2.75 3.00 3.25 2.75 2.75 2.75
660-679 0.00 1.00 2.25 2.75 2.75 2.25 2.25 2.25
680-699 0.00 0.50 1.25 1.75 1.50 1.25 1.25 1.50
700-719 0.00 0.50 1.00 1.25 1.00 1.00 1.00 1.50
720-739 0.00 0.25 0.50 0.75 0.50 0.50 0.50 1.00
>=740 0.00 0.25 0.25 0.50 0.25 0.25 0.25 0.75
 LOANS WITH SUB FINANCING
LTV CLTV <720 >=720
<=75% <=80% 0.375 0.375
<=65% 80.01-95% 0.875 0.625
65.1-75% 80.1-95% 1.125 0.875
75.01-95% 76.01-95% 1.375 1.125
<= 95.00 % 95.01 - 97% 1.875 1.875
HomeReady Cumulative LLPA Caps
LTV > 80% and credit Score >= 680 0.000
All other LTV and credit scores combinations 1.500
CASH OUT REFI - LTV / FICO ADJUSTMENTS
<=60% 60.01-70% 70.01-75% 75.01-80%
620-639 0.625 1.625 1.625 3.125
640-659 0.625 1.625 1.625 2.625
660-679 0.625 1.125 1.125 1.875
680-699 0.375 1.125 1.125 1.750
700-719 0.375 1.000 1.000 1.125
720-739 0.375 1.000 1.000 1.125
>=740 0.375 0.625 0.625 0.875

 

PROPERTY/OCCUPANCY FEATURES
2nd Home Investment Condo* 2 Unit 3-4 Unit Manufactured Home
<=75% 0.00 2.125 0.00 1.00 1.00 0.50
75.01-80% 0.00 3.375 0.75 1.00 1.00 0.50
80.01-85% 0.00 4.125 0.75 1.00 N/A N/A
85.01-90% 0.00 N/A 0.75 N/A N/A N/A
90.01-97% N/A N/A 0.75 N/A N/A N/A

 

LPMI Adjusters >20 Year
LTV 800+ 780 -799 760 - 779 740 - 759 720 - 739 700-719 680 - 699 660 - 679 640 - 659 620 - 639
97 -1.95% -195% -1.95% -2.75% -3.50% -4.15% -5.20% -6.90% -7.65% -8.55%
95 -1.60% -1.60% -1.60% -2.25% -2.80% -3.30% -4.05% -5.40% -5.90% -6.60%
90 -1.20% -1.20% -1.20% -1.70% -2.10% -2.50% -3.05% -4.15% -4.50% -4.95%
85 -0.62%- -0.62% -0.62% -0.75% -0.90% -1.00% -1.15% -1.55% -1.70% -1.85%
LPMI Adjusters <=20 Year
LTV 800+ 780 -799 760 - 779 740 - 759 720 - 739 700-719 680 - 699 660 - 679 640 - 659 620 - 639
97 -1.05% -1.05% -1.05% -1.45% -1.75% -2.15% -2.70% -3.40% -4.10% -4.80%
95 -1.00% -1.00% -1.00% -1.30% -1.60% -1.90% -2.35% -3.10% -3.50% -4.10%
90 -0.85% -0.85% -0.85% -1.15% -1.35% -1.60% -1.95% -2.50% -2.90% -3.30%
85 -0.50% -0.50% -0.50% -0.58% -0.65% -0.75% -0.85% -1.10% -1.20% -1.40%

 

Other LPMI Adjusters
Adjuster 800+ 780 -799 760 - 779 740 - 759 720 - 739 700-719 680 - 699 660 - 679 640 - 659 620 - 639
Rate / Term 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% -1.05% -1.05% -1.05%
Cash Out -0.50% -0.50% -0.50% -0.50% -0.70% -1.00% -1.00% -1.30% -1.30% -1.30%
2nd Home -0.25% -0.25% -0.25% -0.25% -0.49% -0.70% -0.70% -1.23% -1.23% -1.23%