 |
|
|
|
| 30 Year |
|
|
|
20 Year |
|
|
|
15 Year |
|
|
|
| Fixed |
Points |
Fees |
APR |
Fixed |
Points |
Fees |
APR |
Fixed |
Points |
Fees |
APR |
| 6.750% |
0.000 |
0 |
6.776% |
6.750% |
0.000 |
0 |
6.785% |
6.500% |
0.000 |
0 |
6.543% |
| 6.500% |
0.000 |
2500 |
6.560% |
6.500% |
0.000 |
2500 |
6.579% |
6.250% |
0.000 |
2500 |
6.348% |
| 6.250% |
0.875 |
2500 |
6.392% |
6.250% |
0.125 |
2500 |
6.344% |
6.000% |
0.500 |
2500 |
6.175% |
| 6.000% |
1.500 |
2500 |
6.197% |
6.000% |
0.875 |
2500 |
6.186% |
5.750% |
1.250 |
2500 |
6.039% |
| 5.750% |
2.625 |
2500 |
6.046% |
5.750% |
1.375 |
2500 |
5.995% |
5.500% |
2.000 |
2500 |
5.901% |
| |
|
|
|
|
|
|
|
5.250% |
3.000 |
2500 |
5.799% |
| |
|
|
|
|
|
|
|
|
|
|
|
| ADJUSTMENTS |
|
|
|
|
|
|
|
| Maximum LTV for cash out |
|
80% |
|
|
|
|
|
|
| LTV rate and term> 80% |
|
Impounds
are required |
|
CASH OUT
ADJUSTMENTS |
|
|
| Lender Paid MI: LTV
80 - 85% |
|
add
1.0 point |
|
LTV/Fico |
620-659 |
660-699 |
700++ |
|
| Lender Paid MI: LTV
85.01 - 90% |
add
1.25 point |
|
<= 60 |
0.000 |
0.000 |
0.000 |
|
| Sub Financing |
|
add
0.25 points |
|
60.01 - 70 |
-0.750 |
-0.250 |
-0.125 |
|
| Total Points and
Fee |
|
5% |
|
|
70.01 - 75 |
-0.750 |
-0.500 |
-0.500 |
|
| Loan amount less
than $200,000 |
add
0.25% to rate |
|
75.01 - 80 |
-2.250 |
-1.000 |
-1.000 |
|
|
|
|
|
|
|
|
|
|
|
| LTV
ADJUSTMENTS ( Do not apply to loans with amortization terms of < =180) |
|
|
| LTV/Fico |
|
|
|
|
|
|
| <=
60 |
620-639 |
640-659 |
660-679 |
680-719 |
|
|
|
|
| 60.01 - 70 |
-0.250 |
0.000 |
0.000 |
0.000 |
|
|
|
|
| 70.01 - 75 |
-0.750 |
-0.500 |
-0.500 |
-0.500 |
|
|
|
|
| 75.01 - 80 |
-2.500 |
-1.750 |
-1.250 |
-0.500 |
|
|
|
|
|
| 80.01 - 85 |
-2.750 |
-2.000 |
-1.500 |
-0.500 |
|
|
|
| 85.01 - 90 |
-2.750 |
-2.000 |
-1.500 |
-0.500 |
|
|
|
|
| Maximum
Loan Amount is $417,000 |
|
| Minimum
Loan Amount is $100,000 |
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
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| 
