|
CONFORMING INCLUDING RELO CALIFORNIA PROPERTIES ONLY |
|
FULL DOCUMENTATION (Loan Amounts up to $322,700) |
|
FIXED 30 |
|
FIXED 20 |
|
FIXED 15 |
|
60 day adj added to 30 day fee= |
0.406 |
|
60 day adj added to 30 day fee= |
0.406 |
|
60 day adj added to 30 day fee= |
0.438 |
|
RATE |
15 DAY |
30 DAY |
45 DAY |
|
RATE |
15 DAY |
30 DAY |
45 DAY |
|
RATE |
15 DAY |
30 DAY |
45 DAY |
|
6.750 |
|
(2.881) |
(2.725) |
|
6.875 |
|
(2.662) |
(2.506) |
|
6.375 |
|
(2.819) |
(2.662) |
|
6.625 |
(2.569) |
(2.225) |
(2.069) |
|
6.750 |
(2.632) |
(2.288) |
(2.132) |
|
6.250 |
(2.694) |
(2.351) |
(2.194) |
|
6.500 |
(2.162) |
(1.818) |
(1.662) |
|
6.625 |
(1.756) |
(1.412) |
(1.256) |
|
6.125 |
(2.631) |
(2.288) |
(2.131) |
|
6.375 |
(1.663) |
(1.319) |
(1.163) |
|
6.500 |
(1.506) |
(1.162) |
(1.006) |
|
6.000 |
(2.257) |
(1.914) |
(1.757) |
|
6.250 |
(1.038) |
(0.694) |
(0.538) |
|
6.375 |
(1.132) |
(0.788) |
(0.632) |
|
5.875 |
(1.819) |
(1.476) |
(1.319) |
|
6.125 |
(0.694) |
(0.350) |
(0.194) |
|
6.250 |
(0.631) |
(0.287) |
(0.131) |
|
5.750 |
(1.225) |
(0.882) |
(0.725) |
|
6.000 |
(0.132) |
0.212
|
0.368
|
|
6.125 |
(0.475) |
(0.131) |
0.025
|
|
5.625 |
(0.944) |
(0.601) |
(0.444) |
|
5.875 |
0.462
|
0.806
|
0.962
|
|
6.000 |
(0.038) |
0.306
|
0.462
|
|
5.500 |
(0.444) |
(0.101) |
0.056
|
|
5.750 |
1.150
|
1.494
|
1.650
|
|
5.875 |
0.493
|
0.837
|
0.993
|
|
5.375 |
0.056
|
0.399
|
0.556
|
|
5.625 |
2.087
|
2.431
|
2.587
|
|
5.750 |
1.119
|
1.463
|
1.619
|
|
5.250 |
0.681
|
1.024
|
1.181
|
|
5.500 |
2.712
|
3.056
|
3.212
|
|
5.625 |
1.712
|
2.056
|
2.212
|
|
5.125 |
1.275
|
1.618
|
1.775
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
FIXED 30 RELO |
|
5/1 LIBOR ARM |
|
3/1 LIBOR ARM |
|
60 day adj added to 30 day fee= |
0.406 |
|
60 day adj added to 30 day fee= |
0.125 |
|
60 day adj added to 30 day fee= |
0.125 |
|
RATE |
15 DAY |
30 DAY |
45 DAY |
|
RATE |
15 DAY |
30 DAY |
45 DAY |
|
RATE |
15 DAY |
30 DAY |
45 DAY |
|
6.875 |
(2.944) |
(2.600) |
(2.444) |
|
5.625 |
(1.725) |
(1.600) |
(1.537) |
|
5.125 |
(1.413) |
(1.288) |
(1.225) |
|
6.750 |
(2.788) |
(2.444) |
(2.288) |
|
5.500 |
(1.569) |
(1.444) |
(1.381) |
|
5.000 |
(1.382) |
(1.257) |
(1.194) |
|
6.625 |
(2.507) |
(2.163) |
(2.007) |
|
5.375 |
(1.257) |
(1.132) |
(1.069) |
|
4.875 |
(1.225) |
(1.100) |
(1.037) |
|
6.500 |
(2.225) |
(1.881) |
(1.725) |
|
5.250 |
(0.913) |
(0.788) |
(0.725) |
|
4.750 |
(1.006) |
(0.881) |
(0.818) |
|
6.375 |
(1.819) |
(1.475) |
(1.319) |
|
5.125 |
(0.600) |
(0.475) |
(0.412) |
|
4.625 |
(0.787) |
(0.662) |
(0.599) |
|
6.250 |
(1.288) |
(0.944) |
(0.788) |
|
5.000 |
(0.256) |
(0.131) |
(0.068) |
|
4.500 |
(0.537) |
(0.412) |
(0.349) |
|
6.125 |
(0.694) |
(0.350) |
(0.194) |
|
4.875 |
0.088
|
0.213
|
0.276
|
|
4.375 |
(0.287) |
(0.162) |
(0.099) |
|
6.000 |
(0.226) |
0.118
|
0.274
|
|
4.750 |
0.431
|
0.556
|
0.619
|
|
4.250 |
(0.037) |
0.088
|
0.151
|
|
5.875 |
0.306
|
0.650
|
0.806
|
|
4.625 |
0.806
|
0.931
|
0.994
|
|
4.125 |
0.244
|
0.369
|
0.432
|
|
5.750 |
0.993
|
1.337
|
1.493
|
|
4.500 |
1.150
|
1.275
|
1.338
|
|
4.000 |
0.494
|
0.619
|
0.682
|
|
5.625 |
1.525
|
1.869
|
2.025
|
|
4.375 |
1.494
|
1.619
|
1.682
|
|
3.875 |
0.744
|
0.869
|
0.932
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
7/1 TREASURY ARM |
|
5/1 TREASURY ARM |
|
3/1 TREASURY ARM |
|
60 day adj added to 30 day fee= |
0.125 |
|
60 day adj added to 30 day fee= |
0.125 |
|
60 day adj added to 30 day fee= |
0.125 |
|
RATE |
15 DAY |
30 DAY |
45 DAY |
|
RATE |
15 DAY |
30 DAY |
45 DAY |
|
RATE |
15 DAY |
30 DAY |
45 DAY |
|
6.000 |
(1.725) |
(1.600) |
(1.538) |
|
5.625 |
(1.725) |
(1.600) |
(1.538) |
|
5.125 |
(1.413) |
(1.288) |
(1.226) |
|
5.875 |
(1.694) |
(1.569) |
(1.507) |
|
5.500 |
(1.569) |
(1.444) |
(1.382) |
|
5.000 |
(1.382) |
(1.257) |
(1.195) |
|
5.750 |
(1.350) |
(1.225) |
(1.163) |
|
5.375 |
(1.257) |
(1.132) |
(1.070) |
|
4.875 |
(1.225) |
(1.100) |
(1.038) |
|
5.625 |
(0.975) |
(0.850) |
(0.788) |
|
5.250 |
(0.913) |
(0.788) |
(0.726) |
|
4.750 |
(1.006) |
(0.881) |
(0.819) |
|
5.500 |
(0.631) |
(0.506) |
(0.444) |
|
5.125 |
(0.600) |
(0.475) |
(0.413) |
|
4.625 |
(0.787) |
(0.662) |
(0.600) |
|
5.375 |
(0.256) |
(0.131) |
(0.069) |
|
5.000 |
(0.256) |
(0.131) |
(0.069) |
|
4.500 |
(0.537) |
(0.412) |
(0.350) |
|
5.250 |
0.119
|
0.244
|
0.306
|
|
4.875 |
0.088
|
0.213
|
0.275
|
|
4.375 |
(0.287) |
(0.162) |
(0.100) |
|
5.125 |
0.494
|
0.619
|
0.681
|
|
4.750 |
0.431
|
0.556
|
0.618
|
|
4.250 |
(0.037) |
0.088
|
0.150
|
|
5.000 |
0.900
|
1.025
|
1.087
|
|
4.625 |
0.806
|
0.931
|
0.993
|
|
4.125 |
0.244
|
0.369
|
0.431
|
|
4.875 |
1.275
|
1.400
|
1.462
|
|
4.500 |
1.150
|
1.275
|
1.337
|
|
4.000 |
0.494
|
0.619
|
0.681
|
|
4.750 |
1.650
|
1.775
|
1.837
|
|
4.375 |
1.494
|
1.619
|
1.681
|
|
3.875 |
0.744
|
0.869
|
0.931
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
JUMBO/NON-CONFORMING INCLUDING RELO CA PROPERTIES ONLY |
|
|
FULL DOCUMENTATION (Loan Amounts from $322,701 to $1,000,000) |
|
|
FIXED 30 |
|
FIXED 15 |
|
FIXED 30 RELO |
|
FIXED 15 RELO |
|
|
|
45 & 60 day adj's= |
0.062 |
0.125 |
|
45 & 60 day adj's= |
0.062 |
0.125 |
|
45 & 60 day adj's= |
0.062 |
0.125 |
|
45 day adjuster= |
0.062 |
|
|
RATE |
15 DAY |
30 DAY |
RATE |
15 DAY |
30 DAY |
RATE |
15 DAY |
30 DAY |
|
60 day adjuster= |
0.125 |
|
|
7.125 |
(0.963) |
(0.838) |
|
6.500 |
(0.619) |
(0.494) |
|
7.125 |
(0.588) |
(0.463) |
|
RATE |
15 DAY |
30 DAY |
|
7.000 |
(1.181) |
(1.056) |
|
6.375 |
(0.619) |
(0.494) |
|
7.000 |
(0.900) |
(0.775) |
|
6.375 |
(0.619) |
(0.494) |
|
|
6.875 |
(1.150) |
(1.025) |
|
6.250 |
(0.869) |
(0.744) |
|
6.875 |
(0.994) |
(0.869) |
|
6.250 |
(0.869) |
(0.744) |
|
|
6.750 |
(0.962) |
(0.837) |
|
6.125 |
(0.744) |
(0.619) |
|
6.750 |
(0.900) |
(0.775) |
|
6.125 |
(0.744) |
(0.619) |
|
|
6.625 |
(0.713) |
(0.588) |
|
6.000 |
(0.525) |
(0.400) |
|
6.625 |
(0.744) |
(0.619) |
|
6.000 |
(0.525) |
(0.400) |
|
|
6.500 |
(0.400) |
(0.275) |
|
5.875 |
(0.212) |
(0.087) |
|
6.500 |
(0.494) |
(0.369) |
|
5.875 |
(0.212) |
(0.087) |
|
|
6.375 |
(0.025) |
0.100
|
|
5.750 |
0.100
|
0.225
|
|
6.375 |
(0.212) |
(0.087) |
|
5.750 |
0.100
|
0.225
|
|
|
6.250 |
0.413
|
0.538
|
|
5.625 |
0.475
|
0.600
|
|
6.250 |
0.163
|
0.288
|
|
5.625 |
0.475
|
0.600
|
|
|
6.125 |
1.006
|
1.131
|
|
5.500 |
0.881
|
1.006
|
|
6.125 |
0.725
|
0.850
|
|
5.500 |
0.881
|
1.006
|
|
|
6.000 |
1.537
|
1.662
|
|
5.375 |
1.569
|
1.694
|
|
6.000 |
1.287
|
1.412
|
|
5.375 |
1.569
|
1.694
|
|
|
5.875 |
2.131
|
2.256
|
|
5.250 |
2.225
|
2.350
|
|
5.875 |
1.881
|
2.006
|
|
5.250 |
2.225
|
2.350
|
|
|
5.750 |
2.756
|
2.881
|
|
5.125 |
2.913
|
3.038
|
|
5.750 |
2.474
|
2.599
|
|
5.125 |
2.913
|
3.038
|
|
|
5.625 |
3.349
|
3.474
|
|
5.000 |
3.600
|
3.725
|
|
5.625 |
3.131
|
3.256
|
|
5.000 |
3.600
|
3.725
|
|
|
3/1 TREASURY ARM |
|
5/1 TREASURY ARM |
|
7/1 TREASURY ARM |
|
10/1 TREASURY ARM |
|
|
|
45 & 60 day adj's= |
0.062 |
0.125 |
|
45 & 60 day adj's= |
0.062 |
0.125 |
|
45 & 60 day adj's= |
0.062 |
0.125 |
|
45 day adjuster= |
0.062 |
|
|
RATE |
15 DAY |
30 DAY |
RATE |
15 DAY |
30 DAY |
RATE |
15 DAY |
30 DAY |
|
60 day adjuster= |
0.125 |
|
|
5.000 |
(1.682) |
(1.557) |
|
5.750 |
|
(1.900) |
|
6.250 |
(1.994) |
(1.869) |
|
RATE |
15 DAY |
30 DAY |
|
4.875 |
(1.525) |
(1.400) |
|
5.625 |
(1.807) |
(1.682) |
|
6.125 |
(1.775) |
(1.650) |
|
6.375 |
(1.775) |
(1.650) |
|
|
4.750 |
(1.337) |
(1.212) |
|
5.500 |
(1.494) |
(1.369) |
|
6.000 |
(1.432) |
(1.307) |
|
6.250 |
(1.369) |
(1.244) |
|
|
4.625 |
(1.150) |
(1.025) |
|
5.375 |
(1.150) |
(1.025) |
|
5.875 |
(1.057) |
(0.932) |
|
6.125 |
(0.963) |
(0.838) |
|
|
4.500 |
(0.900) |
(0.775) |
|
5.250 |
(0.837) |
(0.712) |
|
5.750 |
(0.650) |
(0.525) |
|
6.000 |
(0.526) |
(0.401) |
|
|
4.375 |
(0.681) |
(0.556) |
|
5.125 |
(0.494) |
(0.369) |
|
5.625 |
(0.275) |
(0.150) |
|
5.875 |
(0.119) |
0.006
|
|
|
4.250 |
(0.431) |
(0.306) |
|
5.000 |
(0.182) |
(0.057) |
|
5.500 |
0.100
|
0.225
|
|
5.750 |
0.318
|
0.443
|
|
|
4.125 |
(0.212) |
(0.087) |
|
4.875 |
0.162
|
0.287
|
|
5.375 |
0.506
|
0.631
|
|
5.625 |
0.756
|
0.881
|
|
|
4.000 |
0.038
|
0.163
|
|
4.750 |
0.537
|
0.662
|
|
5.250 |
0.912
|
1.037
|
|
5.500 |
1.193
|
1.318
|
|
|
3.875 |
0.288
|
0.413
|
|
4.625 |
0.913
|
1.038
|
|
5.125 |
1.319
|
1.444
|
|
5.375 |
1.631
|
1.756
|
|
|
3.750 |
0.569
|
0.694
|
|
4.500 |
1.256
|
1.381
|
|
5.000 |
1.725
|
1.850
|
|
5.250 |
2.099
|
2.224
|
|
|
NO MONEY DOWN PLUS |
|
3/1 LIBOR ARM |
|
5/1 LIBOR ARM |
|
|
(Price includes Self-Insurance and no MI needed.) |
|
|
45 day adjuster= |
0.062 |
|
|
45 day adjuster= |
0.062 |
|
|
NMD+ FIXED 30 |
|
NMD+ FIXED 15 |
|
|
60 day adjuster= |
0.125 |
|
|
60 day adjuster= |
0.125 |
|
|
|
60 day adj= |
0.125 |
|
|
60 day adj= |
0.125 |
|
RATE |
15 DAY |
30 DAY |
RATE |
15 DAY |
30 DAY |
|
RATE |
15 DAY |
30 DAY |
RATE |
15 DAY |
30 DAY |
5.000 |
(1.682) |
(1.557) |
|
5.750 |
|
(1.900) |
|
|
7.875 |
(1.838) |
(1.713) |
|
7.250 |
|
(1.931) |
|
4.875 |
(1.525) |
(1.400) |
|
5.625 |
(1.807) |
(1.682) |
|
|
7.750 |
(1.494) |
(1.369) |
|
7.125 |
|
(1.963) |
|
4.750 |
(1.337) |
(1.212) |
|
5.500 |
(1.494) |
(1.369) |
|
|
7.625 |
(1.150) |
(1.025) |
|
7.000 |
(1.556) |
(1.431) |
|
4.625 |
(1.150) |
(1.025) |
|
5.375 |
(1.181) |
(1.056) |
|
|
7.500 |
(0.838) |
(0.713) |
|
6.875 |
(1.244) |
(1.119) |
|
4.500 |
(0.900) |
(0.775) |
|
5.250 |
(0.869) |
(0.744) |
|
|
7.375 |
(0.462) |
(0.337) |
|
6.750 |
(0.869) |
(0.744) |
|
4.375 |
(0.681) |
(0.556) |
|
5.125 |
(0.525) |
(0.400) |
|
|
7.250 |
(0.088) |
0.037
|
|
6.625 |
(0.525) |
(0.400) |
|
4.250 |
(0.431) |
(0.306) |
|
5.000 |
(0.182) |
(0.057) |
|
|
7.125 |
0.475
|
0.600
|
|
6.500 |
0.006
|
0.131
|
|
4.125 |
(0.212) |
(0.087) |
|
4.875 |
0.162
|
0.287
|
|
|
7.000 |
0.944
|
1.069
|
|
6.375 |
0.444
|
0.569
|
|
4.000 |
0.038
|
0.163
|
|
4.750 |
0.506
|
0.631
|
|
|
|
|
|
|
|
|
|
|
3.875 |
0.288
|
0.413
|
|
4.625 |
0.881
|
1.006
|
|
|
Jumbo/Non-Conforming Adjusters (Excluding No Money Down+) NOTE: If multiple adjusters apply, all must be used. |
|
|
|
|
Fee |
|
|
|
Fee |
|
|
Fee |
45 & 60 Day Fee Adjusters |
|
|
Cash Out Refis |
|
0.375 |
LTVs <=70% & >conf. loan lmt |
|
<$50K |
|
0.500 |
Fixed |
|
|
Second Homes |
|
0.500 |
ARMs & Relo |
|
(0.375) |
>$650K <= $1M |
POSTED W/PRODUCTS |
|
|
High Rise Condos |
|
0.000 |
LTVs <=70% & >conf. loan lmt |
|
|
FRM & ARM |
0.250 |
- Add to the 30 day fee |
|
|
2 Units/30&20 YR FRM & ARM |
0.500 |
30 & 15 yr FRM |
(0.250) |
Relo |
0.000 |
|
|
|
|
|
|
2 Units/ 15 YR FRM & Relo |
0.250 |
LTV > 80% <= 90% w/MI |
0.250 |
Interest Only |
|
No Money Down+ Adjusters |
|
|
3-4 Units FIX30 retention only |
0.500 |
LTV >90<=95% w/MI |
5/1 & 7/1 Treas. ARMs |
|
|
|
|
|
3-4 Unt FIX15 retention only |
0.250 |
- ARMs |
|
1.000 |
|
|
0.250 |
Low & High Rise Condos |
1.000 |
|
|
VOA, QQ / FRM & ARM |
0.250 |
- 30 & 15 yr FRM |
0.500 |
|
|
|
|
|
|
|
|
|
VOA, QQ / Relo |
|
0.000 |
- Relo |
|
1.000 |
|
|
|
|
|
|
|
|
|
No MI - Jumbo/Non-Conforming Self-Insurance Fee Adjusters (Excluding NMD+) |
|
|
|
|
|
|
|
|
|
80.01-85% |
85.01-90% |
90.01-95% |
|
|
Non-Conf. ARM Info. |
|
|
Fixed 30 Yr. - Non-Relocation |
1.000 Fee |
1.000 Fee |
2.125 Fee |
|
|
|
|
TREASURY ARM Index: |
1.330% |
|
|
Fixed 30 Yr. - Relocation |
0.750 Fee |
0.750 Fee |
1.000 Fee |
|
|
|
|
TREASURY ARM Margins: |
2.750% |
|
|
Fixed 15 Yr. - Non-Relo. & Relo. |
0.750 Fee |
0.750 Fee |
2.000 Fee |
|
|
|
|
3/1 ARM Cap: |
2/2/6 |
|
|
3/1, 5/1, 7/1 & 10/1 |
1.000 Fee |
1.000 Fee |
3.250 Fee |
|
|
|
|
10/1, 7/1 & 5/1 Cap: |
5/2/5 |
|
|
- Self Insurance is for LTVs > 80% where MI is not provided. |
|
|
|
|
|
3/1 & 5/1 LIBOR ARM Index: |
1.490% |
|