Post on 12-Apr-2022
Effective Mar 20, 2020 4:35 PM CT - Page 1 of 20
Wholesale Broker Fee Waiver
If the option to waive fees is selected in H2Online:
The fee waiver is calculated in bps on the lock.
Lock Term Requirements
Refer to the Lock Policy and Rate Sheet for more information.
Pricing’s contact: Email wholesale.pricing@caliberhomeloans.com or by phone at 888-248-6093.
Pricing Support: 888-248-6093
Broker Support: (888) H2O-7026
www.caliberwholesale.com
Administrative Fee $695
Administrative Fee – VA IRRRL $0
Closing Coordination (if Caliber Draws Docs) $295
Tax Service $93.89
Caliber Portfolio Lending (CPL) Admin Fee $1350
Lock Extensions
1st request cost per day: 0.015. The 1st request is for up to 30 days.
2nd request cost per day: 0.020.
Extensions can be purchased online or by emailing wholesale.pricing@caliberhomeloans.com.
Up to 2 extensions may be purchased, not to exceed 30 days from the original lock expiration.
Please refer to the Lock Policy posted in H20 for more information.
For Jumbo products lock extensions, please refer to the Jumbo lock policy.
Divisional Vice President Account Executives FHA ID 3099201125 VA ID 9103870609
Chris Mozilo Amanda Schmidt 858-997-3003 Amanda.Schmidt@caliberhomeloans.com Shelley Desmarais 619-977-7435 Shelley.Desmarais@caliberhomeloans.com
602-690-1462 Jill Booth 619-888-6057 Jill.Booth@caliberhomeloans.com Daun Sherr 858-610-1121 Daun.Sherr@caliberhomeloans.com
Chris.Mozilo@caliberhomeloans.com Catherine Boyle 619-665-5973 Catherine.Boyle@caliberhomeloans.com
San Diego Wholesale - CL1 Rate Sheet A
This rate sheet is intended for use by mortgage professionals only. Prices, rates, and terms are subject to change without notice. Locking, Relocking, Lock Extensions, Program/Product change requests to the Price Desk must be submitted before 6:45 pm CT. Effective Mar 20, 2020 4:35 PM CT - Page 1 of 20
Click here to view our product guide
Weekly APOR Indication
APOR 30 Year Fixed 4.03 APOR 3/1 Libor ARM 4.69 APOR 7/1 Libor ARM 4.44
APOR 15 Year Fixed 3.53 APOR 5/1 Libor ARM 4.56 APOR 10/1 Libor ARM 4.31
USDA Maximum Allowable Interest Rate
USDA maximum allowable interest rate is reflected on the rate sheet. Higher rate requests for this loan product are unavailable.
Bulletins
Please refer to Forms and Docs>Business Partners>Bulletins for the most recent and up to date Caliber Bulletins.
Please Contact your Account Executive for
UW Conditions & UW Decision Turn Times
In times of high volume, the priority is placed on purchase transactions
and turn times may vary by product.
HOI: Caliber Home Loans, Inc., ISAOA ATIMA
P.O. Box 7731
Springfield, OH 45501-7731
92900-A: Caliber Home Loans, Inc.
1525 S. Beltline Road
Coppell, TX 75019
Title Policies, CPL & Subordination Agreements:
Caliber Home Loans, Inc., ISAOA
1525 S. Beltline Road
Coppell, TX 75019
*The HOI and CPL apply to Wholesale only; not Correspondent Level 1.
Additional Fees:
· Caliber Jumbo – Appraisal fee plus $150 CDA fee on 1-unit properties
· Caliber Jumbo – Appraisal fee plus a field review on 2-unit properties
· Caliber Jumbo – Two appraisals plus $150 CDA fee on Refinances > $1MM
and Purchases > $1.5MM
· Caliber Portfolio Lending Products – Appraisal plus $150 CDA fee
Conventional Conforming Programs
Government High Balance Products
Government Products
Conventional Conforming High Balance Programs
Page 2
Page 11
Conforming Fixed
Page 12
FHA and VA High Balance Fixed & ARM
Caliber Portfolio Investment Property
Conventional Doctor/Physician Programs
Page 6
Caliber Portfolio Fresh Start
FHA, VA and USDA Fixed & ARM
Caliber Portfolio Premier Access & Empire Premier
Page 7
Page 10
Page 4
Conforming High Balance Fixed & ARM Page 5
Non-Conforming ProgramsCaliber Jumbo
Doctor/Physician Fixed and ARM
Conforming ARM Page 3
Caliber Porfolio Lending
Caliber Portfolio Homeowner AccessPage 18Page 17
Page 15-16Page 13-14
HomeReady and Home PossibleHomeReady and Home Possible
Caliber Portfolio Elite Access & Empire Elite
Page 19
HomeReady and Home Possible High Balance
Caliber Portfolio Professional Elite Page 20Caliber Portfolio Investor Access Page 21
Caliber High Balance Page 9
15(11-15) Year Fixed
CF15 15 DayApr 6
30 DayApr 20
45 DayMay 4
60 DayMay 19
2.250% 3.638 3.641 4.044 4.0472.375% 2.990 2.993 3.396 3.4002.500% 2.343 2.346 2.749 2.7522.625% 1.772 1.775 2.178 2.1812.750% 1.354 1.378 1.635 1.6592.875% 0.592 0.616 0.873 0.8972.990% 0.157 0.181 0.438 0.4623.000% 0.016 0.040 0.297 0.3213.125% (0.467) (0.443) (0.186) (0.162)3.250% (0.907) (0.883) (0.625) (0.601)3.375% (1.339) (1.315) (1.058) (1.034)3.500% (1.480) (1.456) (1.199) (1.175)3.625% (1.143) (1.098) (0.831) (0.786)3.750% (1.533) (1.488) (1.220) (1.175)3.990% (2.165) (2.121) (1.853) (1.808)
Max Net Rebate: (4.500)
LTV 0-60 60.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97 > 97Total Loan Amount $100,000-$125,000 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125 N/ATotal Loan Amount $75,000-$99,999 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500 N/ATotal Loan Amount $50,000-$74,999 0.750 0.750 0.750 0.750 0.750 0.750 0.750 0.750 N/ATotal Loan Amount < $50,000 1.500 1.500 1.500 1.500 1.500 1.500 1.500 1.500 N/AInvestment Property 2.125 2.125 2.125 3.375 4.125 N/A N/A N/A N/A2 Unit 1.000 1.000 1.000 1.000 1.000 N/A N/A N/A N/A3-4 Units 1.000 1.000 1.000 1.000 N/A N/A N/A N/A N/ALow or High Rise Condo (All Products w/Terms > 15 Yrs) 0.000 0.000 0.000 0.750 0.750 0.750 0.750 0.750 N/AHigh LTV N/A N/A N/A N/A N/A N/A N/A 0.000 N/AEscrow Waiver (CA 0.00, NY 0.00) 0.250 0.250 0.250 0.250 N/A N/A N/A N/A N/A<=75% LTV - <=80% CLTV or 75.01-76% LTV-75.01-76% CLTV or > 95% LTV - > 95% CLTV (N/A on LP Affordable Seconds) 0.375 0.375 0.375 0.375 N/A N/A N/A 0.375 N/A<=75% LTV - 80.01-95% CLTV & < 720 FICO (N/A on LP Affordable Seconds) 0.875 1.125 1.125 N/A N/A N/A N/A N/A N/A<= 75% LTV - 80.01-95% CLTV & 720+ FICO (N/A on LP Affordable Seconds) 0.625 0.875 0.875 N/A N/A N/A N/A N/A N/A>75% LTV - 76.01-95% CLTV & < 720 FICO (N/A on LP Affordable Seconds) N/A N/A N/A 1.375 1.375 1.375 1.375 N/A N/A>75% LTV - 76.01-95% CLTV & 720+ FICO (N/A on LP Affordable Seconds) N/A N/A N/A 1.125 1.125 1.125 1.125 N/A N/A<=95% LTV - 95.01-97% CLTV (N/A on LP Affordable Seconds) 1.875 1.875 1.875 1.875 1.875 1.875 1.875 N/A N/AManufactured Home 0.750 0.750 0.750 0.750 0.750 0.750 0.750 N/A N/ASecond Home N/A N/A N/A N/A N/A 0.250 N/A N/A N/AState AdjustmentsNV 0.150 0.150 0.150 0.150 0.150 0.150 0.150 0.150 N/ACA (State Adjustment of 0.125 for CA), MN 0.075 0.075 0.075 0.075 0.075 0.075 0.075 0.075 N/AAZ, CO, CT, DC, IA, ID, IN, KY, MA, MT, NE, NY, RI, SD, WV, WY 0.050 0.050 0.050 0.050 0.050 0.050 0.050 0.050 N/AAL, AR, DE, HI, IL, KS, MD, ME, MI, MO, MS, NC, ND, NH, NM, OH, SC, TN, UT, VA, VT, WA, WI 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 N/AAK, GA, LA, NJ, OK, OR (0.050) (0.050) (0.050) (0.050) (0.050) (0.050) (0.050) (0.050) N/AFL, PA (0.075) (0.075) (0.075) (0.075) (0.075) (0.075) (0.075) (0.075) N/ATX (0.150) (0.150) (0.150) (0.150) (0.150) (0.150) (0.150) (0.150) N/ALTV/FICO Adjustments: All Products w/Terms > 15 Yrs740+ FICO 0.000 0.250 0.250 0.500 0.250 0.250 0.250 0.750 N/A720-739 FICO 0.000 0.250 0.500 0.750 0.500 0.500 0.500 1.000 N/A700-719 FICO 0.000 0.500 1.000 1.250 1.000 1.000 1.000 1.500 N/A680-699 FICO 0.000 0.500 1.250 1.750 1.500 1.250 1.250 1.500 N/A660-679 FICO 0.000 1.000 2.250 2.750 2.750 2.250 2.250 2.250 N/A640-659 FICO 0.500 1.250 2.750 3.000 3.250 2.750 2.750 2.750 N/A620-639 FICO (Applicable to Non Traditional Credit) 0.500 1.500 3.000 3.000 3.250 3.250 3.250 3.500 N/ALTV / FICO Adjustments: Cash-Out Refinance740+ FICO 0.375 0.625 0.625 0.875 N/A N/A N/A N/A N/A720-739 FICO 0.375 1.000 1.000 1.125 N/A N/A N/A N/A N/A700-719 FICO 0.375 1.000 1.000 1.125 N/A N/A N/A N/A N/A680-699 FICO 0.375 1.125 1.125 1.750 N/A N/A N/A N/A N/A660-679 FICO 0.625 1.125 1.125 1.875 N/A N/A N/A N/A N/A640-659 FICO 0.625 1.625 1.625 2.625 N/A N/A N/A N/A N/A620-639 FICO 0.625 1.625 1.625 3.125 N/A N/A N/A N/A N/A
25(21-25) / 30(26-30) Year Fixed
CF30 15 DayApr 6
30 DayApr 20
45 DayMay 4
60 DayMay 19
2.750% 2.925 2.949 3.176 3.2002.875% 2.015 2.039 2.266 2.2903.000% 1.125 1.149 1.376 1.4003.125% 0.206 0.230 0.458 0.4823.250% (0.532) (0.508) (0.280) (0.256)3.375% (1.091) (1.067) (0.839) (0.815)3.500% (1.556) (1.532) (1.305) (1.281)3.625% (2.072) (2.048) (1.820) (1.796)3.750% (1.369) (1.324) (1.116) (1.071)3.875% (1.800) (1.755) (1.547) (1.502)3.990% (2.137) (2.092) (1.884) (1.839)4.000% (2.194) (2.149) (1.941) (1.896)4.125% (2.555) (2.511) (2.302) (2.258)4.250% (1.570) (1.505) (1.378) (1.313)4.375% (1.956) (1.891) (1.764) (1.699)4.500% (2.333) (2.267) (2.141) (2.075)4.625% (2.659) (2.593) (2.467) (2.401)4.750% (2.028) (1.941) (1.991) (1.904)4.875% (2.351) (2.264) (2.314) (2.227)4.990% (2.576) (2.490) (2.539) (2.453)5.000% (2.630) (2.544) (2.593) (2.507)
Max Net Rebate: (4.500)
This rate sheet is intended for use by mortgage professionals only. Prices, rates, and terms are subject to change without notice. Locking, Relocking, Lock Extensions, Program/Product change requests to the Price Desk must be submitted before 6:45 pm CT.
Effective Mar 20, 2020 4:35 PM CT - Page 2 of 20
Effective Mar 20, 2020 4:35 PM CT - Page 2 of 20
San Diego Wholesale - CL1 Rate Sheet A
Conforming Fixed
Broker Support: 888-H2O-7026www.caliberwholesale.com
10 Year Fixed
CF10 15 DayApr 6
30 DayApr 20
45 DayMay 4
60 DayMay 19
2.750% 1.204 1.228 1.485 1.5092.875% 0.733 0.757 1.014 1.0382.990% 0.394 0.418 0.676 0.7003.000% 0.260 0.284 0.542 0.5663.125% (0.138) (0.114) 0.143 0.1673.250% (0.517) (0.493) (0.236) (0.212)3.375% (0.881) (0.857) (0.600) (0.576)3.500% (0.512) (0.467) (0.200) (0.155)3.625% (0.873) (0.828) (0.561) (0.516)3.750% (1.219) (1.174) (0.907) (0.862)3.875% (1.547) (1.502) (1.235) (1.190)3.990% (1.777) (1.732) (1.465) (1.420)4.000% (1.784) (1.739) (1.472) (1.427)4.125% (2.149) (2.105) (1.837) (1.792)4.250% (2.116) (2.051) (1.710) (1.645)4.375% (2.401) (2.335) (1.994) (1.929)4.500% (2.448) (2.383) (2.042) (1.976)4.625% (1.834) (1.747) (1.803) (1.716)4.990% (2.498) (2.411) (2.466) (2.380)
Max Net Rebate: (4.500)
20(16-20) Year Fixed
CF20 15 DayApr 6
30 DayApr 20
45 DayMay 4
60 DayMay 19
2.750% 2.869 2.893 3.121 3.1452.875% 2.035 2.059 2.286 2.3103.000% 1.252 1.276 1.503 1.5273.125% 0.521 0.545 0.773 0.7973.250% (0.076) (0.052) 0.175 0.1993.375% (0.619) (0.595) (0.367) (0.343)3.500% (1.091) (1.067) (0.840) (0.816)3.625% (0.521) (0.477) (0.269) (0.224)3.750% 0.892 0.958 1.084 1.1493.875% 0.263 0.329 0.455 0.5213.990% (0.155) (0.090) 0.037 0.1024.990% (2.143) (2.056) (2.106) (2.019)
Max Net Rebate: (4.500)
Click here for LPMI Adjustments
90 Day Lock = 60 Day Price – 37.5 bps
Click here for Reduced MI Adjustments
LTV <=60 60.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97 >97Total Loan Amount $100,000-$125,000 0.125 0.125 0.125 0.125 0.125 0.125 0.125 N/A N/ATotal Loan Amount $75,000-$99,999 0.500 0.500 0.500 0.500 0.500 0.500 0.500 N/A N/ATotal Loan Amount $50,000-$74,999 0.750 0.750 0.750 0.750 0.750 0.750 0.750 N/A N/ATotal Loan Amount < $50,000 1.500 1.500 1.500 1.500 1.500 1.500 1.500 N/A N/AInvestment Property 2.125 2.125 2.125 3.375 4.125 N/A N/A N/A N/A2 Unit 1.000 1.000 1.000 1.000 1.000 N/A N/A N/A N/A3-4 Units 1.000 1.000 1.000 1.000 N/A N/A N/A N/A N/ALow or High Rise Condo (All Products w/Terms > 15 Yrs) 0.000 0.000 0.000 0.750 0.750 0.750 0.750 N/A N/AHigh LTV (ARM) N/A N/A N/A N/A N/A N/A 0.250 N/A N/AEscrow Waiver ( CA 0.00, NY 0.00) 0.250 0.250 0.250 0.250 N/A N/A N/A N/A N/A<=75% LTV - <=80% CLTV or 75.01-76% LTV-75.01-76% CLTV 0.375 0.375 0.375 0.375 N/A N/A N/A N/A N/A<=75% LTV - 80.01-95% CLTV & < 720 FICO 0.875 1.125 1.125 N/A N/A N/A N/A N/A N/A<= 75% LTV - 80.01-95% CLTV & 720+ FICO 0.625 0.875 0.875 N/A N/A N/A N/A N/A N/A>75% LTV - 76.01-95% CLTV & < 720 FICO N/A N/A N/A 1.375 1.375 1.375 1.375 N/A N/A>75% LTV - 76.01-95% CLTV & 720+ FICO N/A N/A N/A 1.125 1.125 1.125 1.125 N/A N/ASecond Home N/A N/A N/A N/A N/A 0.250 N/A N/A N/AState AdjustmentsNV 0.150 0.150 0.150 0.150 0.150 0.150 0.150 N/A N/ACA (State Adjustment of 0.125 for CA), MN 0.075 0.075 0.075 0.075 0.075 0.075 0.075 N/A N/AAZ, CO, CT, DC, IA, ID, IN, KY, MA, MT, NE, NY, RI, SD, WV, WY 0.050 0.050 0.050 0.050 0.050 0.050 0.050 N/A N/AAL, AR, DE, HI, IL, KS, MD, ME, MI, MO, MS, NC, ND, NH, NM, OH, SC, TN, UT, VA, VT, WA, WI 0.000 0.000 0.000 0.000 0.000 0.000 0.000 N/A N/AAK, GA, LA, NJ, OK, OR (0.050) (0.050) (0.050) (0.050) (0.050) (0.050) (0.050) N/A N/AFL, PA (0.075) (0.075) (0.075) (0.075) (0.075) (0.075) (0.075) N/A N/ATX (0.150) (0.150) (0.150) (0.150) (0.150) (0.150) (0.150) N/A N/ALTV/FICO Adjustments: All Products w/Terms > 15 Yrs740+ FICO 0.000 0.250 0.250 0.500 0.250 0.250 0.250 N/A N/A720-739 FICO 0.000 0.250 0.500 0.750 0.500 0.500 0.500 N/A N/A700-719 FICO 0.000 0.500 1.000 1.250 1.000 1.000 1.000 N/A N/A680-699 FICO 0.000 0.500 1.250 1.750 1.500 1.250 1.250 N/A N/A660-679 FICO 0.000 1.000 2.250 2.750 2.750 2.250 2.250 N/A N/A640-659 FICO 0.500 1.250 2.750 3.000 3.250 2.750 2.750 N/A N/A620-639 FICO 0.500 1.500 3.000 3.000 3.250 3.250 3.250 N/A N/ALTV / FICO Adjustments: Cash-Out Refinance740+ FICO 0.375 0.625 0.625 0.875 N/A N/A N/A N/A N/A720-739 FICO 0.375 1.000 1.000 1.125 N/A N/A N/A N/A N/A700-719 FICO 0.375 1.000 1.000 1.125 N/A N/A N/A N/A N/A680-699 FICO 0.375 1.125 1.125 1.750 N/A N/A N/A N/A N/A660-679 FICO 0.625 1.125 1.125 1.875 N/A N/A N/A N/A N/A640-659 FICO 0.625 1.625 1.625 2.625 N/A N/A N/A N/A N/A620-639 FICO 0.625 1.625 1.625 3.125 N/A N/A N/A N/A N/A
10/1 Libor ARM
CL10 15 DayApr 6
30 DayApr 20
45 DayMay 4
60 DayMay 19
3.125% 1.065 1.190 1.315 1.4403.250% 0.553 0.678 0.803 0.9283.375% 0.042 0.167 0.292 0.4173.500% (0.469) (0.344) (0.219) (0.094)3.625% (0.978) (0.853) (0.728) (0.603)3.750% (1.266) (1.141) (1.016) (0.891)3.875% (1.550) (1.425) (1.300) (1.175)3.990% (1.970) (1.845) (1.720) (1.595)4.125% (2.548) (2.423) (2.298) (2.173)4.250% (3.047) (2.922) (2.797) (2.672)4.375% (3.546) (3.421) (3.296) (3.171)4.500% (3.378) (3.253) (3.128) (3.003)4.625% (3.210) (3.085) (2.960) (2.835)4.750% (3.429) (3.304) (3.179) (3.054)
Max Net Rebate: (4.000) Margin: 2.250 Caps: 5.000/2.000/5.000Libor 1 Year: 0.92200
7/1 Libor ARM
CL7 15 DayApr 6
30 DayApr 20
45 DayMay 4
60 DayMay 19
3.000% (0.026) 0.099 0.224 0.3493.125% (0.485) (0.360) (0.235) (0.110)3.250% (0.946) (0.821) (0.696) (0.571)3.375% (1.405) (1.280) (1.155) (1.030)3.500% (1.670) (1.545) (1.420) (1.295)3.625% (1.934) (1.809) (1.684) (1.559)3.750% (2.391) (2.266) (2.141) (2.016)3.875% (2.846) (2.721) (2.596) (2.471)3.990% (2.825) (2.700) (2.575) (2.450)4.125% (2.962) (2.837) (2.712) (2.587)4.250% (3.411) (3.286) (3.161) (3.036)4.375% (3.858) (3.733) (3.608) (3.483)4.500% (3.323) (3.198) (3.073) (2.948)4.625% (2.788) (2.663) (2.538) (2.413)4.750% (3.231) (3.106) (2.981) (2.856)
Max Net Rebate: (4.000) Margin: 2.250 Caps: 5.000/2.000/5.000Libor 1 Year: 0.92200
5/1 Libor ARM
CL5 15 DayApr 6
30 DayApr 20
45 DayMay 4
60 DayMay 19
2.990% (0.232) (0.107) 0.018 0.1433.125% (0.698) (0.573) (0.448) (0.323)3.250% (1.083) (0.958) (0.833) (0.708)3.375% (1.467) (1.342) (1.217) (1.092)3.500% (1.838) (1.713) (1.588) (1.463)3.625% (2.208) (2.083) (1.958) (1.833)3.750% (2.273) (2.148) (2.023) (1.898)3.875% (2.336) (2.211) (2.086) (1.961)4.000% (2.317) (2.192) (2.067) (1.942)4.125% (2.296) (2.171) (2.046) (1.921)4.250% (2.671) (2.546) (2.421) (2.296)4.375% (3.046) (2.921) (2.796) (2.671)4.500% (3.154) (3.029) (2.904) (2.779)4.625% (3.262) (3.137) (3.012) (2.887)Max Net Rebate: (4.000) Margin: 2.250 Caps: 2.000/2.000/5.000
Libor 1 Year: 0.92200
5/5 Treasury ARM
CT55 15 DayApr 6
30 DayApr 20
45 DayMay 4
60 DayMay 19
2.990% 1.757 1.882 2.007 2.1323.125% 1.456 1.581 1.706 1.8313.250% 1.073 1.198 1.323 1.4483.375% 0.691 0.816 0.941 1.0663.500% 0.319 0.444 0.569 0.6943.625% (0.052) 0.073 0.198 0.3233.750% (0.279) (0.154) (0.029) 0.0963.875% (0.505) (0.380) (0.255) (0.130)4.000% (0.717) (0.592) (0.467) (0.342)4.125% (0.928) (0.803) (0.678) (0.553)4.250% (1.304) (1.179) (1.054) (0.929)4.375% (1.679) (1.554) (1.429) (1.304)4.500% (1.721) (1.596) (1.471) (1.346)4.625% (1.762) (1.637) (1.512) (1.387)Max Net Rebate: (4.000) Margin: 2.250 Caps: 2.000/2.000/6.000
Weekly Average 5 year CMT : 0.79000
3/1 Libor ARM
CL3 15 DayApr 6
30 DayApr 20
45 DayMay 4
60 DayMay 19
2.375% 2.314 2.439 2.564 2.6892.500% 2.039 2.164 2.289 2.4142.625% 1.765 1.890 2.015 2.1402.750% 1.450 1.575 1.700 1.8252.875% 1.140 1.265 1.390 1.5152.990% 0.988 1.113 1.238 1.3633.125% 0.675 0.800 0.925 1.0503.250% 0.462 0.587 0.712 0.8373.375% 0.248 0.373 0.498 0.6233.500% (0.024) 0.101 0.226 0.3513.625% (0.297) (0.172) (0.047) 0.0783.750% (0.570) (0.445) (0.320) (0.195)3.875% (0.842) (0.717) (0.592) (0.467)4.000% (0.818) (0.693) (0.568) (0.443)Max Net Rebate: (4.000) Margin: 2.250 Caps: 2.000/2.000/6.000
Libor 1 Year: 0.92200
This rate sheet is intended for use by mortgage professionals only. Prices, rates, and terms are subject to change without notice. Locking, Relocking, Lock Extensions, Program/Product change requests to the Price Desk must be submitted before 6:45 pm CT.
Effective Mar 20, 2020 4:35 PM CT - Page 3 of 20
Effective Mar 20, 2020 4:35 PM CT - Page 3 of 20
San Diego Wholesale - CL1 Rate Sheet A
Conforming ARM
Broker Support: 888-H2O-7026www.caliberwholesale.com
Click here for Reduced MI AdjustmentsClick here for LPMI Adjustments
90 Day Lock = 60 Day Price – 37.5 bps
FHA 15(11-15) Year FixedFF15
F203H1515 DayApr 6
30 DayApr 20
45 DayMay 4
60 DayMay 19
2.250% 2.659 2.662 3.065 3.0682.375% 2.147 2.150 2.553 2.5572.500% 1.637 1.641 2.044 2.0472.625% 1.130 1.134 1.537 1.5402.750% 0.382 0.406 0.663 0.6872.875% (0.123) (0.099) 0.158 0.1822.990% (0.583) (0.559) (0.302) (0.278)3.000% (0.623) (0.599) (0.342) (0.318)3.125% (1.117) (1.093) (0.836) (0.812)3.250% (0.512) (0.468) (0.200) (0.155)3.375% (1.002) (0.957) (0.690) (0.645)3.500% (1.480) (1.435) (1.168) (1.123)3.625% (1.940) (1.895) (1.628) (1.583)3.750% (1.729) (1.664) (1.323) (1.258)3.875% (2.179) (2.113) (1.772) (1.707)3.990% (2.570) (2.504) (2.163) (2.098)4.000% (2.603) (2.537) (2.197) (2.131)
Max Net Rebate: (6.000)
LTV <=50 50.01-60 60.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97 >97Total Loan Amount $100,000-$125,000 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125Total Loan Amount $75,000-$99,999 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500Total Loan Amount $50,000-$74,999 0.750 0.750 0.750 0.750 0.750 0.750 0.750 0.750 0.750 0.750Total Loan Amount < $50,000 1.500 1.500 1.500 1.500 1.500 1.500 1.500 1.500 1.500 1.500FHA Streamline 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125VA Streamline 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125USDA Streamline 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125VA Cashout >90% LTV N/A N/A N/A N/A N/A N/A N/A 2.000 2.000 2.000Second Home 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500Investment Property 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500Manufactured Home 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500
State AdjustmentsNV 0.150 0.150 0.150 0.150 0.150 0.150 0.150 0.150 0.150 0.150KY, MN 0.100 0.100 0.100 0.100 0.100 0.100 0.100 0.100 0.100 0.100AR, AZ, CA, CT, IA, ID, IN, KS, MA, MI, MT, NE, NM, NY, RI, SD, VT, WV 0.050 0.050 0.050 0.050 0.050 0.050 0.050 0.050 0.050 0.050AL, CO, DC, DE, HI, ME, MO, MS, NC, ND, OH, SC, TN, UT, WI, WY 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000IL, OK, WA (0.025) (0.025) (0.025) (0.025) (0.025) (0.025) (0.025) (0.025) (0.025) (0.025)AK, FL, GA, LA, MD, NH, NJ, OR, PA, VA (0.050) (0.050) (0.050) (0.050) (0.050) (0.050) (0.050) (0.050) (0.050) (0.050)TX (0.150) (0.150) (0.150) (0.150) (0.150) (0.150) (0.150) (0.150) (0.150) (0.150)
LTV/FICO Adjustments 780+ FICO (0.500) (0.500) (0.500) (0.500) (0.500) (0.500) (0.500) (0.500) (0.500) (0.500)760-779 FICO (0.375) (0.375) (0.375) (0.375) (0.375) (0.375) (0.375) (0.375) (0.375) (0.375)720-759 FICO (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250)700-719 FICO (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) (0.125)680-699 FICO 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000660-679 FICO 0.375 0.375 0.375 0.375 0.375 0.375 0.375 0.375 0.375 0.375640-659 FICO 0.750 0.750 0.750 0.750 0.750 0.750 0.750 0.750 0.750 0.750620-639 FICO 1.500 1.500 1.500 1.500 1.500 1.500 1.500 1.500 1.500 1.500600-619 FICO 2.000 2.000 2.000 2.000 2.000 2.000 2.000 2.000 2.000 2.000
FHA 20(16-20) / 25(21-25) / 30(26-30) Year Fixed and HUD $100 Down 30(16-30) Year Fixed
FF30 F203H30
15 DayApr 6
30 DayApr 20
45 DayMay 4
60 DayMay 19
2.750% (0.513) (0.223) 0.092 0.1162.875% (1.057) (0.767) (0.452) (0.428)3.000% (1.578) (1.288) (0.973) (0.949)3.125% (2.075) (1.785) (1.470) (1.446)3.250% (1.499) (1.229) (0.939) (0.894)3.375% (1.997) (1.727) (1.437) (1.392)3.500% (2.475) (2.205) (1.915) (1.870)3.625% (2.937) (2.666) (2.376) (2.331)3.750% (1.113) (0.924) (0.753) (0.687)3.875% (1.573) (1.384) (1.213) (1.147)3.990% (1.977) (1.788) (1.617) (1.551)4.000% (2.011) (1.822) (1.651) (1.585)4.125% (2.424) (2.235) (2.064) (1.998)4.250% (1.404) (1.235) (0.433) (0.346)4.375% (1.813) (1.644) (0.842) (0.755)4.990% (2.314) (2.320) (2.418) (2.310)5.000% (2.341) (2.348) (2.445) (2.338)5.125% (2.679) (2.685) (2.783) (2.676)5.250% (1.768) (1.856) (1.979) (1.850)5.375% (2.109) (2.198) (2.320) (2.192)5.500% (2.440) (2.529) (2.651) (2.523)
Max Net Rebate: (6.000)
5/1 Treasury ARM
FT5/VT5 15 DayApr 6
30 DayApr 20
45 DayMay 4
60 DayMay 19
2.625% 0.241 0.366 0.491 0.6162.750% (0.213) (0.088) 0.037 0.1622.875% (0.568) (0.443) (0.318) (0.193)3.000% (0.917) (0.792) (0.667) (0.542)3.125% (1.259) (1.134) (1.009) (0.884)3.250% (1.749) (1.624) (1.499) (1.374)3.375% (2.086) (1.961) (1.836) (1.711)3.500% (2.430) (2.305) (2.180) (2.055)3.625% (2.717) (2.592) (2.467) (2.342)3.750% (2.933) (2.808) (2.683) (2.558)3.875% (3.226) (3.101) (2.976) (2.851)4.000% (3.495) (3.370) (3.245) (3.120)4.125% (3.741) (3.616) (3.491) (3.366)4.250% (4.213) (4.088) (3.963) (3.838)4.375% (4.461) (4.336) (4.211) (4.086)4.500% (4.690) (4.565) (4.440) (4.315)4.625% (4.898) (4.773) (4.648) (4.523)Max Net Rebate: (5.000) Margin: 2.000 Caps: 1.000/1.000/5.000
Treasury Constant 1 Year: 0.21000
Government Fixed and ARM
Effective Mar 20, 2020 4:35 PM CT - Page 4 of 20
This rate sheet is intended for use by mortgage professionals only. Prices, rates, and terms are subject to change without notice. Locking, Relocking, Lock Extensions, Program/Product change requests to the Price Desk must be submitted before 6:45 pm CT. Effective Mar 20, 2020 4:35 PM CT - Page 4 of 20
USDA 30 Year Fixed
USDAF30 15 DayApr 6
30 DayApr 20
45 DayMay 4
60 DayMay 19
3.625% (2.397) (2.126) (1.836) (1.791)3.750% (0.573) (0.384) (0.213) (0.147)3.875% (1.033) (0.844) (0.673) (0.607)3.990% (1.437) (1.248) (1.077) (1.011)4.000% (1.471) (1.282) (1.111) (1.045)4.125% (1.884) (1.695) (1.524) (1.458)4.250% (0.864) (0.695) 0.107 0.1944.375% (1.273) (1.104) (0.302) (0.215)4.500% (1.658) (1.488) (0.686) (0.599)4.990% (1.774) (1.780) (1.878) (1.770)
Max Net Rebate: (6.000)
San Diego Wholesale - CL1 Rate Sheet ABroker Support: 888-H2O-7026
www.caliberwholesale.com
VA 15(11-15) Year Fixed
VF15 15 DayApr 6
30 DayApr 20
45 DayMay 4
60 DayMay 19
2.250% 2.940 2.944 3.347 3.3502.375% 2.571 2.574 2.977 2.9802.500% 2.205 2.208 2.611 2.6142.625% 1.842 1.845 2.248 2.2512.750% 0.672 0.696 0.953 0.9782.875% 0.312 0.336 0.593 0.6172.990% (0.015) 0.009 0.266 0.2903.000% (0.043) (0.019) 0.238 0.2623.125% (0.391) (0.367) (0.110) (0.086)3.250% (0.210) (0.165) 0.103 0.1483.375% (0.553) (0.508) (0.241) (0.196)3.500% (0.884) (0.839) (0.571) (0.526)3.625% (1.195) (1.151) (0.883) (0.838)3.750% (1.404) (1.339) (0.998) (0.933)3.875% (1.703) (1.638) (1.297) (1.231)3.990% (1.957) (1.891) (1.551) (1.485)4.000% (1.978) (1.912) (1.572) (1.506)
Max Net Rebate: (6.000)
VA 20(16-20) / 25(21-25 )/ 30(26-30) Year Fixed
VF30 15 DayApr 6
30 DayApr 20
45 DayMay 4
60 DayMay 19
2.750% (0.158) 0.132 0.447 0.4712.875% (0.495) (0.205) 0.110 0.1343.000% (0.814) (0.524) (0.209) (0.185)3.125% (1.016) (0.726) (0.411) (0.387)3.250% (1.120) (0.849) (0.559) (0.514)3.375% (1.426) (1.156) (0.866) (0.821)3.500% (1.721) (1.451) (1.161) (1.116)3.625% (1.906) (1.635) (1.345) (1.300)3.750% (0.720) (0.531) (0.360) (0.294)3.875% (1.003) (0.815) (0.643) (0.578)3.990% (1.250) (1.062) (0.890) (0.825)4.000% (1.271) (1.082) (0.911) (0.846)4.125% (1.421) (1.232) (1.061) (0.995)4.250% (0.999) (0.829) (0.027) 0.0604.375% (1.244) (1.075) (0.272) (0.186)4.990% (1.621) (1.627) (1.725) (1.617)5.000% (1.637) (1.644) (1.741) (1.634)5.125% (1.742) (1.748) (1.846) (1.739)5.375% (1.556) (1.644) (1.767) (1.638)5.500% (1.757) (1.845) (1.968) (1.840)
Max Net Rebate: (6.000)90 Day Lock = 60 Day Price – 37.5 bps
LTV 0-60 60.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97 >97Investment Property 2.125 2.125 2.125 3.375 4.125 N/A N/A N/A N/A2 Unit 1.000 1.000 1.000 1.000 1.000 N/A N/A N/A N/A3-4 Units 1.000 1.000 1.000 1.000 N/A N/A N/A N/A N/ALow or Highrise Condo (All Products w/Terms > 15 Yrs) 0.000 0.000 0.000 0.750 0.750 0.750 0.750 N/A N/ALTV (ARM) 0.000 0.000 0.000 0.750 0.750 0.750 1.000 N/A N/A<=75% LTV - <=80% CLTV or 75.01-76% LTV-75.01-76% CLTV 0.375 0.375 0.375 0.375 N/A N/A N/A N/A N/A<=75% LTV - 80.01-95% CLTV & < 720 FICO 0.875 1.125 1.125 N/A N/A N/A N/A N/A N/A<= 75% LTV - 80.01-95% CLTV & 720+ FICO 0.625 0.875 0.875 N/A N/A N/A N/A N/A N/A>75% LTV - 76.01-95% CLTV & < 720 FICO N/A N/A N/A 1.375 1.375 1.375 1.375 N/A N/A>75% LTV - 76.01-95% CLTV & 720+ FICO N/A N/A N/A 1.125 1.125 1.125 1.125 N/A N/AEscrow Waiver (CA 0.00, NY 0.00) 0.250 0.250 0.250 0.250 N/A N/A N/A N/A N/APurchase or No C/O: Rate/Term 0.250 0.250 0.250 0.250 0.250 0.250 0.250 N/A N/ACash-Out Refinance (ARM Only) N/A N/A N/A 0.750 N/A N/A N/A N/A N/ASecond Home N/A N/A N/A N/A N/A 0.250 N/A N/A N/AState AdjustmentsNV 0.150 0.150 0.150 0.150 0.150 0.150 0.150 N/A N/ACA (State Adjustment of 0.125 for CA), MN 0.075 0.075 0.075 0.075 0.075 0.075 0.075 N/A N/AAZ, CO, CT, DC, IA, ID, IN, KY, MA, MT, NE, NY, RI, SD, WV, WY 0.050 0.050 0.050 0.050 0.050 0.050 0.050 N/A N/AAL, AR, DE, HI, IL, KS, MD, ME, MI, MO, MS, NC, ND, NH, NM, OH, SC, TN, UT, VA, VT, WA, WI 0.000 0.000 0.000 0.000 0.000 0.000 0.000 N/A N/AAK, GA, LA, NJ, OK, OR (0.050) (0.050) (0.050) (0.050) (0.050) (0.050) (0.050) N/A N/AFL, PA (0.075) (0.075) (0.075) (0.075) (0.075) (0.075) (0.075) N/A N/ATX (0.150) (0.150) (0.150) (0.150) (0.150) (0.150) (0.150) N/A N/ALTV/FICO Adjustments: All Products w/Terms > 15 Yrs740+ FICO 0.000 0.250 0.250 0.500 0.250 0.250 0.250 N/A N/A720-739 FICO 0.000 0.250 0.500 0.750 0.500 0.500 0.500 N/A N/A700-719 FICO 0.000 0.500 1.000 1.250 1.000 1.000 1.000 N/A N/A680-699 FICO 0.000 0.500 1.250 1.750 1.500 1.250 1.250 N/A N/A660-679 FICO 0.000 1.000 2.250 2.750 2.750 2.250 2.250 N/A N/A640-659 FICO 0.500 1.250 2.750 3.000 3.250 2.750 2.750 N/A N/A620-639 FICO 0.500 1.500 3.000 3.000 3.250 3.250 3.250 N/A N/ALTV/FICO Adjustments: Cash-Out Refinance740+ FICO 1.375 1.625 1.625 1.875 N/A N/A N/A N/A N/A720-739 FICO 1.375 2.000 2.000 2.125 N/A N/A N/A N/A N/A700-719 FICO 1.375 2.000 2.000 2.125 N/A N/A N/A N/A N/A680-699 FICO 1.375 2.125 2.125 2.750 N/A N/A N/A N/A N/A660-679 FICO 1.625 2.125 2.125 2.875 N/A N/A N/A N/A N/A640-659 FICO 1.625 2.625 2.625 3.625 N/A N/A N/A N/A N/A620-639 FICO 1.625 2.625 2.625 4.125 N/A N/A N/A N/A N/A
10/1 Libor ARM
CHBL10 15 DayApr 6
30 DayApr 20
45 DayMay 4
60 DayMay 19
3.000% 2.197 2.322 2.447 2.5723.125% 1.895 2.020 2.145 2.2703.250% 1.383 1.508 1.633 1.7583.375% 0.872 0.997 1.122 1.2473.500% 0.361 0.486 0.611 0.7363.625% (0.148) (0.023) 0.102 0.2273.750% (0.436) (0.311) (0.186) (0.061)3.875% (0.720) (0.595) (0.470) (0.345)3.990% (1.140) (1.015) (0.890) (0.765)4.125% (1.718) (1.593) (1.468) (1.343)4.250% (2.217) (2.092) (1.967) (1.842)4.375% (2.716) (2.591) (2.466) (2.341)4.500% (2.548) (2.423) (2.298) (2.173)4.625% (2.380) (2.255) (2.130) (2.005)4.750% (2.599) (2.474) (2.349) (2.224)Max Net Rebate: (4.000) Margin: 2.250 Caps: 5.000/2.000/5.000
Libor 1 Year: 0.92200
20(16-20) / 30(21-30) Year Fixed
CHBF30 15 DayApr 6
30 DayApr 20
45 DayMay 4
60 DayMay 19
2.750% 3.277 3.301 3.528 3.5522.875% 2.399 2.423 2.651 2.6753.000% 1.553 1.577 1.805 1.8293.125% 0.703 0.727 0.955 0.9793.250% (0.019) 0.005 0.233 0.2573.375% (0.587) (0.563) (0.336) (0.312)3.500% (1.073) (1.049) (0.822) (0.798)3.625% (1.599) (1.575) (1.347) (1.323)3.750% (0.977) (0.932) (0.724) (0.679)3.875% (1.427) (1.382) (1.174) (1.129)3.990% (1.782) (1.737) (1.529) (1.484)4.000% (1.822) (1.777) (1.569) (1.524)4.125% (2.186) (2.141) (1.933) (1.888)4.250% (1.094) (1.028) (0.902) (0.836)4.375% (1.456) (1.390) (1.264) (1.198)4.500% (1.792) (1.726) (1.600) (1.534)4.625% (2.103) (2.038) (1.911) (1.846)4.750% (1.444) (1.357) (1.407) (1.320)4.875% (1.744) (1.658) (1.707) (1.621)4.990% (1.948) (1.861) (1.911) (1.824)5.000% (2.003) (1.916) (1.966) (1.879)
Max Net Rebate: (4.500)
15 Year Fixed (11-15 Years)
CHBF15 15 DayApr 6
30 DayApr 20
45 DayMay 4
60 DayMay 19
2.750% 2.071 2.095 2.352 2.3762.875% 1.569 1.593 1.850 1.8743.000% 1.094 1.118 1.375 1.3993.125% 0.655 0.679 0.936 0.9603.250% 0.265 0.289 0.546 0.5703.375% (0.098) (0.074) 0.184 0.2083.500% (0.150) (0.126) 0.132 0.1563.625% 0.377 0.422 0.690 0.7353.750% 0.054 0.099 0.366 0.4113.875% (0.235) (0.190) 0.078 0.1223.990% (0.439) (0.394) (0.127) (0.082)4.000% (0.292) (0.247) 0.021 0.0664.125% (0.233) (0.167) 0.174 0.2394.250% (0.487) (0.422) (0.081) (0.016)4.375% (0.715) (0.649) (0.309) (0.243)4.500% (0.700) (0.635) (0.294) (0.228)
Max Net Rebate: (4.500)
5/1 LIBOR ARM
CHBL5 15 DayApr 6
30 DayApr 20
45 DayMay 4
60 DayMay 19
2.990% 0.598 0.723 0.848 0.9733.125% 0.132 0.257 0.382 0.5073.250% (0.253) (0.128) (0.003) 0.1223.375% (0.637) (0.512) (0.387) (0.262)3.500% (1.008) (0.883) (0.758) (0.633)3.625% (1.378) (1.253) (1.128) (1.003)3.750% (1.443) (1.318) (1.193) (1.068)3.875% (1.506) (1.381) (1.256) (1.131)4.000% (1.487) (1.362) (1.237) (1.112)4.125% (1.466) (1.341) (1.216) (1.091)4.250% (1.841) (1.716) (1.591) (1.466)4.375% (2.216) (2.091) (1.966) (1.841)4.500% (2.324) (2.199) (2.074) (1.949)4.625% (2.432) (2.307) (2.182) (2.057)Max Net Rebate: (4.000) Margin: 2.250 Caps: 2.000/2.000/5.000
Libor 1 Year: 0.92200
7/1 Libor ARM
CHBL7 15 DayApr 6
30 DayApr 20
45 DayMay 4
60 DayMay 19
3.000% 0.804 0.929 1.054 1.1793.125% 0.345 0.470 0.595 0.7203.250% (0.116) 0.009 0.134 0.2593.375% (0.575) (0.450) (0.325) (0.200)3.500% (0.840) (0.715) (0.590) (0.465)3.625% (1.104) (0.979) (0.854) (0.729)3.750% (1.561) (1.436) (1.311) (1.186)3.875% (2.016) (1.891) (1.766) (1.641)3.990% (1.995) (1.870) (1.745) (1.620)4.125% (2.132) (2.007) (1.882) (1.757)4.250% (2.581) (2.456) (2.331) (2.206)4.375% (3.028) (2.903) (2.778) (2.653)4.500% (2.493) (2.368) (2.243) (2.118)4.625% (1.958) (1.833) (1.708) (1.583)4.750% (2.401) (2.276) (2.151) (2.026)Max Net Rebate: (4.000) Margin: 2.250 Caps: 5.000/2.000/5.000
Libor 1 Year: 0.92200
5/5 Treasury ARM
CHBT55 15 DayApr 6
30 DayApr 20
45 DayMay 4
60 DayMay 19
2.990% 2.587 2.712 2.837 2.9623.125% 2.286 2.411 2.536 2.6613.250% 1.903 2.028 2.153 2.2783.375% 1.521 1.646 1.771 1.8963.500% 1.149 1.274 1.399 1.5243.625% 0.778 0.903 1.028 1.1533.750% 0.551 0.676 0.801 0.9263.875% 0.325 0.450 0.575 0.7004.000% 0.113 0.238 0.363 0.4884.125% (0.098) 0.027 0.152 0.2774.250% (0.474) (0.349) (0.224) (0.099)4.375% (0.849) (0.724) (0.599) (0.474)4.500% (0.891) (0.766) (0.641) (0.516)4.625% (0.932) (0.807) (0.682) (0.557)Max Net Rebate: (4.000) Margin: 2.250 Caps: 2.000/2.000/6.000
Weekly Average 5 year CMT : 0.79000
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Effective Mar 20, 2020 4:35 PM CT - Page 5 of 20
Conforming High Balance Fixed & ARM
Broker Support: 888-H2O-7026
Effective Mar 20, 2020 4:35 PM CT - Page 5 of 20
San Diego Wholesale - CL1 Rate Sheet A
This rate sheet is intended for use by mortgage professionals only. Prices, rates, and terms are subject to change without notice. Locking, Relocking, Lock Extensions, Program/Product change requests to the Price Desk must be submitted before 6:45 pm CT.
Click here for LPMI Adjustments
90 Day Lock = 60 Day Price – 37.5 bps
LTV <=50 50.01-60 60.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97 >97FHA Streamline 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125VA Streamline 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125VA Cashout >90% LTV N/A N/A N/A N/A N/A N/A N/A 2.000 2.000 2.000Second Home 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500Investment Property 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500State AdjustmentsNV 0.150 0.150 0.150 0.150 0.150 0.150 0.150 0.150 0.150 0.150KY, MN 0.100 0.100 0.100 0.100 0.100 0.100 0.100 0.100 0.100 0.100AR, AZ, CA, CT, IA, ID, IN, KS, MA, MI, MT, NE, NM, NY, RI, SD, VT, WV 0.050 0.050 0.050 0.050 0.050 0.050 0.050 0.050 0.050 0.050AL, CO, DC, DE, HI, ME, MO, MS, NC, ND, OH, SC, TN, UT, WI, WY 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000IL, OK, WA (0.025) (0.025) (0.025) (0.025) (0.025) (0.025) (0.025) (0.025) (0.025) (0.025)AK, FL, GA, LA, MD, NH, NJ, OR, PA, VA (0.050) (0.050) (0.050) (0.050) (0.050) (0.050) (0.050) (0.050) (0.050) (0.050)TX (0.150) (0.150) (0.150) (0.150) (0.150) (0.150) (0.150) (0.150) (0.150) (0.150)LTV/FICO Adjustments 780+ FICO (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250)720-779 FICO (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) (0.125)680-719 FICO 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000660-679 FICO 0.375 0.375 0.375 0.375 0.375 0.375 0.375 0.375 0.375 0.375640-659 FICO 0.750 0.750 0.750 0.750 0.750 0.750 0.750 0.750 0.750 0.750620-639 FICO 1.500 1.500 1.500 1.500 1.500 1.500 1.500 1.500 1.500 1.500600-619 FICO 2.000 2.000 2.000 2.000 2.000 2.000 2.000 2.000 2.000 2.000
FHA 30(16-30) Fixed High Balance and HUD $100 Down 30(16-30) Year Fixed High Balance
FHBF30 F203HHBF30
15 DayApr 6
30 DayApr 20
45 DayMay 4
60 DayMay 19
2.750% 0.368 0.658 0.973 1.0252.875% (0.172) 0.118 0.433 0.4843.125% (1.183) (0.893) (0.578) (0.527)3.375% (1.113) (0.843) (0.553) (0.457)3.990% (1.141) (0.953) (0.781) (0.641)4.250% (0.751) (0.582) 0.221 0.4054.375% (1.157) (0.988) (0.185) (0.001)4.990% (1.665) (1.672) (1.769) (1.540)
Max Net Rebate: (6.000)
5/1 Treasury ARM High Balance
FHB/VHBT5 15 DayApr 6
30 DayApr 20
45 DayMay 4
60 DayMay 19
2.625% 0.195 0.320 0.445 0.5702.750% (0.259) (0.134) (0.009) 0.1162.875% (0.614) (0.489) (0.364) (0.239)3.000% (0.963) (0.838) (0.713) (0.588)3.125% (1.305) (1.180) (1.055) (0.930)3.250% (1.795) (1.670) (1.545) (1.420)3.375% (2.132) (2.007) (1.882) (1.757)3.500% (2.476) (2.351) (2.226) (2.101)3.625% (2.763) (2.638) (2.513) (2.388)3.750% (2.979) (2.854) (2.729) (2.604)3.875% (3.272) (3.147) (3.022) (2.897)4.000% (3.541) (3.416) (3.291) (3.166)4.125% (3.787) (3.662) (3.537) (3.412)4.250% (4.259) (4.134) (4.009) (3.884)4.375% (4.507) (4.382) (4.257) (4.132)4.500% (4.736) (4.611) (4.486) (4.361)4.625% (4.944) (4.819) (4.694) (4.569)
Max Net Rebate: (5.000) Margin: 2.000 Caps: 1.000/1.000/5.000Treasury Constant 1 Year: 0.21000
Government High Balance Fixed and ARM
Effective Mar 20, 2020 4:35 PM CT - Page 6 of 20
This rate sheet is intended for use by mortgage professionals only. Prices, rates, and terms are subject to change without notice. Locking, Relocking, Lock Extensions, Program/Product change requests to the Price Desk must be submitted before 6:45 pm CT. Effective Mar 20, 2020 4:35 PM CT - Page 6 of 20
San Diego Wholesale - CL1 Rate Sheet ABroker Support: 888-H2O-7026
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VA 30(16-30) Year High Balance Fixed
VHBF30 15 DayApr 6
30 DayApr 20
45 DayMay 4
60 DayMay 19
2.750% 1.065 1.355 1.670 1.6942.875% 0.732 1.023 1.337 1.3613.125% 0.220 0.510 0.825 0.8493.375% (0.199) 0.071 0.361 0.4063.990% (0.073) 0.116 0.287 0.3524.250% (0.011) 0.158 0.961 1.0474.375% (0.253) (0.084) 0.719 0.8054.990% (0.638) (0.644) (0.742) (0.635)
Max Net Rebate: (6.000)
VA 15(11-15) Year Fixed High Balance
VHBF15 15 DayApr 6
30 DayApr 20
45 DayMay 4
60 DayMay 19
2.250% 5.679 5.683 6.086 6.0892.375% 5.310 5.313 5.716 5.7192.500% 4.944 4.947 5.350 5.3532.625% 4.581 4.584 4.987 4.9902.750% 3.411 3.435 3.692 3.7172.875% 3.051 3.075 3.332 3.3562.990% 2.724 2.748 3.005 3.0293.000% 2.696 2.720 2.977 3.0013.125% 2.348 2.372 2.629 2.6533.250% 2.529 2.574 2.842 2.8873.375% 2.186 2.231 2.498 2.5433.500% 1.855 1.900 2.168 2.2133.625% 1.544 1.588 1.856 1.9013.750% 1.585 1.650 1.991 2.0563.875% 1.286 1.351 1.692 1.7583.990% 1.032 1.098 1.438 1.5044.000% 1.011 1.077 1.417 1.483
Max Net Rebate: (6.000)
FHA 15(11-15) Year Fixed High BalanceFHBF15
F203HHB1515 DayApr 6
30 DayApr 20
45 DayMay 4
60 DayMay 19
2.250% 5.113 5.116 5.519 5.5222.375% 4.601 4.604 5.007 5.0112.500% 4.091 4.095 4.498 4.5012.625% 3.584 3.588 3.991 3.9942.750% 2.836 2.860 3.117 3.1412.875% 2.331 2.355 2.612 2.6362.990% 1.871 1.895 2.152 2.1763.000% 1.831 1.855 2.112 2.1363.125% 1.337 1.361 1.618 1.6423.250% 1.942 1.986 2.254 2.2993.375% 1.452 1.497 1.764 1.8093.500% 0.974 1.019 1.286 1.3313.625% 0.514 0.559 0.826 0.8713.750% 0.975 1.040 1.381 1.4463.875% 0.525 0.591 0.932 0.9973.990% 0.134 0.200 0.541 0.6064.000% 0.101 0.167 0.507 0.573
Max Net Rebate: (6.000)
90 Day Lock = 60 Day Price – 37.5 bps
This rate sheet is intended for use by mortgage professionals only. Prices, rates, and terms are subject to change without notice. Locking, Relocking, Lock Extensions, Program/Product change requests to the Price Desk must be submitted before 6:45 pm CT.
Broker Support: 888-H2O-7026www.caliberwholesale.com
Effective Mar 20, 2020 4:35 PM CT - Page 7 of 20
Caliber Jumbo
Caliber Jumbo 30 Year Fixed*
JF30 15 DayApr 6
30 DayApr 20
45 DayMay 4
60 DayMay 19
3.375% 6.618 6.681 6.743 6.8373.500% 6.459 6.521 6.584 6.6783.625% 6.007 6.070 6.132 6.2263.750% 5.566 5.628 5.691 5.7843.875% 5.250 5.312 5.375 5.4694.000% 5.076 5.138 5.201 5.2944.125% 4.848 4.911 4.973 5.0674.250% 4.570 4.632 4.695 4.7894.375% 4.169 4.231 4.294 4.3884.500% 3.871 3.933 3.996 4.0894.625% 3.750 3.812 3.875 3.9694.750% 3.460 3.523 3.585 3.6794.875% 3.103 3.166 3.228 3.3225.000% 2.766 2.828 2.891 2.9845.125% 2.542 2.604 2.667 2.7605.250% 2.332 2.394 2.457 2.5515.375% 2.122 2.184 2.247 2.3405.500% 1.912 1.974 2.037 2.130
Max Net Rebate: (2.000)
Caliber Jumbo 5/1 LIBOR ARM
JL5 15 DayApr 6
30 DayApr 20
45 DayMay 4
60 DayMay 19
3.250% 6.506 6.631 6.756 6.8813.375% 6.116 6.241 6.366 6.4913.500% 5.688 5.813 5.938 6.0633.625% 5.263 5.388 5.513 5.6383.750% 5.120 5.245 5.370 5.4953.875% 4.699 4.824 4.949 5.0744.000% 4.280 4.405 4.530 4.6554.125% 4.008 4.133 4.258 4.3834.250% 3.740 3.865 3.990 4.1154.375% 3.469 3.594 3.719 3.8444.500% 3.198 3.323 3.448 3.573Max Net Rebate: (2.000) Margin: 2.250 Caps: 2.000/2.000/5.000
Libor 1 Year: 0.92200
Caliber Jumbo 10/1 LIBOR ARM
JL10 15 DayApr 6
30 DayApr 20
45 DayMay 4
60 DayMay 19
3.250% 7.430 7.555 7.680 7.8053.375% 6.865 6.990 7.115 7.2403.500% 6.280 6.405 6.530 6.6553.625% 5.750 5.875 6.000 6.1253.750% 5.090 5.215 5.340 5.4653.875% 4.778 4.903 5.028 5.1534.000% 4.461 4.586 4.711 4.8364.125% 4.144 4.269 4.394 4.5194.250% 3.836 3.961 4.086 4.2114.375% 3.522 3.647 3.772 3.8974.500% 3.207 3.332 3.457 3.582Max Net Rebate: (2.000) Margin: 2.250 Caps: 5.000/2.000/5.000
Libor 1 Year: 0.92200
Caliber Jumbo 15 Year Fixed
JF15 15 DayApr 6
30 DayApr 20
45 DayMay 4
60 DayMay 19
3.250% 5.032 5.157 5.282 5.4073.375% 4.567 4.692 4.817 4.9423.500% 4.160 4.285 4.410 4.5353.625% 3.676 3.801 3.926 4.0513.750% 3.259 3.384 3.509 3.6343.875% 2.887 3.012 3.137 3.2624.000% 2.547 2.672 2.797 2.9224.125% 2.414 2.539 2.664 2.7894.250% 2.106 2.231 2.356 2.4814.375% 1.826 1.951 2.076 2.2014.500% 1.670 1.795 1.920 2.045
Max Net Rebate: (2.000)
LTV/CLTV/HCLTV 0-55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97 >97Purchase Transaction (0.375) (0.375) (0.250) (0.250) (0.250) (0.250) (0.500) (0.500) N/A N/A N/A780+ FICO (0.500) (0.500) (0.500) (0.375) (0.250) 0.000 0.125 0.125 N/A N/A N/A760-779 FICO (0.500) (0.375) (0.375) (0.375) (0.125) 0.125 0.250 0.250 N/A N/A N/A740-759 FICO (0.500) (0.375) (0.250) (0.250) 0.000 0.250 0.500 0.500 N/A N/A N/A720-739 FICO (0.500) (0.375) (0.250) (0.250) 0.000 0.500 0.750 0.750 N/A N/A N/A700-719 FICO (0.375) (0.250) (0.125) 0.000 0.250 0.625 1.000 1.000 N/A N/A N/A680-699 FICO (0.375) (0.250) (0.125) 0.000 0.500 0.875 N/A N/A N/A N/A N/AInvestment Property 0.500 0.500 0.750 N/A N/A N/A N/A N/A N/A N/A N/ACash Out Refinance 0.000 0.000 0.250 0.500 0.875 N/A N/A N/A N/A N/A N/ALTV > 80% w/ No MI**No MI w/ 720+ FICO N/A N/A N/A N/A N/A N/A 0.750 1.000 N/A N/A N/A
Effective Mar 20, 2020 4:35 PM CT - Page 7 of 20
San Diego Wholesale - CL1 Rate Sheet A
90 Day = 60 Day Price – 50 bps75 Day = 60 Day Price – 30 bps* Caliber Jumbo 30 Year Fixed additional lock terms
Caliber Jumbo 7/1 LIBOR ARM
JL7 15 DayApr 6
30 DayApr 20
45 DayMay 4
60 DayMay 19
3.250% 6.189 6.314 6.439 6.5643.375% 5.781 5.906 6.031 6.1563.500% 5.403 5.528 5.653 5.7783.625% 5.048 5.173 5.298 5.4233.750% 4.448 4.573 4.698 4.8233.875% 4.131 4.256 4.381 4.5064.000% 3.845 3.970 4.095 4.2204.125% 3.560 3.685 3.810 3.9354.250% 3.275 3.400 3.525 3.6504.375% 2.990 3.115 3.240 3.3654.500% 2.699 2.824 2.949 3.074Max Net Rebate: (2.000) Margin: 2.250 Caps: 5.000/2.000/5.000
Libor 1 Year: 0.92200
**Please note that the adjustments for LTV/CLTV/HCLTV, are in addition to the adjustments for LTV > 80% w/ No MI
This rate sheet is intended for use by mortgage professionals only. Prices, rates, and terms are subject to change without notice. Locking, Relocking, Lock Extensions, Program/Product change requests to the Price Desk must be submitted before 6:45 pm CT.
Broker Support: 888-H2O-7026www.caliberwholesale.com
Effective Mar 20, 2020 4:35 PM CT - Page 8 of 20
Caliber High Balance
Caliber High Balance 30 Year Fixed
CALHBF30 15 DayApr 6
30 DayApr 20
45 DayMay 4
60 DayMay 19
3.000% 6.107 6.232 6.357 6.4823.125% 5.740 5.865 5.990 6.1153.250% 5.406 5.531 5.656 5.7813.375% 4.579 4.704 4.829 4.9543.500% 4.281 4.406 4.531 4.6563.625% 4.050 4.175 4.300 4.4253.750% 3.881 4.006 4.131 4.2563.875% 3.680 3.805 3.930 4.0554.000% 3.593 3.718 3.843 3.9684.125% 3.120 3.245 3.370 3.4954.250% 3.073 3.198 3.323 3.4484.375% 3.015 3.140 3.265 3.3904.500% 2.927 3.052 3.177 3.3024.625% 2.856 2.981 3.106 3.231
Max Net Rebate: (2.000)
LTV/CLTV/HCLTV 0-60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97 >97Cashout Refinance 0.150 0.250 0.700 1.000 1.450 N/A N/A N/A N/A N/ACashout Refinance 0.150 0.250 0.700 1.000 1.450 N/A N/A N/A N/A N/ASecond Home 0.150 0.250 0.350 0.550 0.750 N/A N/A N/A N/A N/ASecond Home 0.150 0.250 0.350 0.550 0.750 N/A N/A N/A N/A N/ACondo (LR and HR) 0.000 0.000 0.100 0.200 0.300 0.500 0.000 N/A N/A N/ACondo (LR and HR) 0.000 0.000 0.100 0.200 0.300 0.500 0.000 N/A N/A N/A2 Unit 0.000 0.050 0.100 0.250 0.500 N/A N/A N/A N/A N/A2 Unit 0.000 0.050 0.100 0.250 0.500 N/A N/A N/A N/A N/AInvestment Property 0.700 0.850 1.000 1.500 2.500 N/A N/A N/A N/A N/AInvestment Property 0.700 0.850 1.000 1.500 2.500 N/A N/A N/A N/A N/AFICO Adjustment to Price800 + FICO (0.550) (0.500) (0.450) (0.250) (0.150) 0.500 0.600 N/A N/A N/A800 + FICO (0.550) (0.500) (0.450) (0.250) (0.150) 0.500 0.600 N/A N/A N/A760-799 FICO (0.500) (0.450) (0.400) (0.200) (0.100) 0.600 0.800 N/A N/A N/A760-799 FICO (0.500) (0.450) (0.400) (0.200) (0.100) 0.600 0.800 N/A N/A N/A740-759 FICO (0.450) (0.400) (0.350) (0.150) 0.000 0.700 1.000 N/A N/A N/A740-759 FICO (0.450) (0.400) (0.350) (0.150) 0.000 0.700 1.000 N/A N/A N/A720-739 FICO (0.400) (0.350) (0.250) 0.000 0.100 0.800 1.200 N/A N/A N/A720-739 FICO (0.400) (0.350) (0.250) 0.000 0.100 0.800 1.200 N/A N/A N/A700-719 FICO (0.350) (0.250) (0.150) 0.150 0.450 0.900 1.500 N/A N/A N/A700-719 FICO (0.350) (0.250) (0.150) 0.150 0.450 0.900 1.500 N/A N/A N/A680-699 FICO (0.250) (0.150) (0.050) 0.500 0.850 1.350 2.000 N/A N/A N/A680-699 FICO (0.250) (0.150) (0.050) 0.500 0.850 1.350 2.000 N/A N/A N/A
Effective Mar 20, 2020 4:35 PM CT - Page 8 of 20
San Diego Wholesale - CL1 Rate Sheet A
Doctor/Physicians 7/1 LIBOR ARM
CDRL7 15 DayApr 6
30 DayApr 20
45 DayMay 4
60 DayMay 19
3.000% (0.026) 0.099 0.224 0.3493.125% (0.485) (0.360) (0.235) (0.110)3.250% (0.946) (0.821) (0.696) (0.571)3.375% (1.405) (1.280) (1.155) (1.030)3.500% (1.670) (1.545) (1.420) (1.295)3.625% (1.934) (1.809) (1.684) (1.559)3.750% (2.391) (2.266) (2.141) (2.016)3.875% (2.846) (2.721) (2.596) (2.471)3.990% (2.825) (2.700) (2.575) (2.450)4.125% (2.962) (2.837) (2.712) (2.587)4.250% (3.411) (3.286) (3.161) (3.036)4.375% (3.858) (3.733) (3.608) (3.483)4.500% (3.323) (3.198) (3.073) (2.948)4.625% (2.788) (2.663) (2.538) (2.413)4.750% (3.231) (3.106) (2.981) (2.856)
Max Net Rebate: (4.000) Margin: 2.250 Caps: 5.000/2.000/5.000Libor 1 Year: 0.92200
Doctor/Physicians Fixed 30 Year
CDRF30 15 DayApr 6
30 DayApr 20
45 DayMay 4
60 DayMay 19
2.750% 2.915 2.939 3.166 3.1902.875% 2.005 2.029 2.256 2.2803.000% 1.115 1.139 1.366 1.3903.125% 0.196 0.220 0.448 0.4723.250% (0.542) (0.518) (0.290) (0.266)3.375% (1.101) (1.077) (0.849) (0.825)3.500% (1.566) (1.542) (1.315) (1.291)3.990% (2.147) (2.102) (1.894) (1.849)4.990% (2.586) (2.500) (2.549) (2.463)
Max Net Rebate: (4.500)
LTV <=60 60.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97 > 97Total Loan Amount $100,000-$125,000 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125 N/ATotal Loan Amount $75,000-$99,999 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500 N/ATotal Loan Amount $50,000-$74,999 0.750 0.750 0.750 0.750 0.750 0.750 0.750 0.750 N/ATotal Loan Amount < $50,000 1.500 1.500 1.500 1.500 1.500 1.500 1.500 1.500 N/ALow or Highrise Condo (All Products w/Terms > 15 Yrs) 0.000 0.000 0.000 0.750 0.750 0.750 0.750 0.750 N/AEscrow Waiver (CA 0.00, NY 0.00) 0.250 0.250 0.250 0.250 N/A N/A N/A N/A N/A<=75% LTV - <=80% CLTV or 75.01-76% LTV-75.01-76% CLTV 0.375 0.375 0.375 0.375 N/A N/A N/A N/A N/A<=75% LTV - 80.01-97% CLTV & < 720 FICO 0.875 1.125 1.125 N/A N/A N/A N/A N/A N/A<= 75% LTV - 80.01-97% CLTV & 720+ FICO 0.625 0.875 0.875 N/A N/A N/A N/A N/A N/A>75% LTV - 76.01-97% CLTV & < 720 FICO N/A N/A N/A 1.375 1.375 1.375 1.375 1.375 N/A>75% LTV - 76.01-97% CLTV & 720+ FICO N/A N/A N/A 1.125 1.125 1.125 1.125 1.125 N/AHigh LTV N/A N/A N/A N/A N/A N/A 0.250 0.250 N/ALTV (High Balance ARM limits Only) 0.000 0.000 0.000 0.750 0.750 0.750 N/A N/A N/APurchase or No C/O: Rate/Term (High Balance limits Only) 0.250 0.250 0.250 0.250 0.250 0.250 N/A N/A N/AState AdjustmentsNV 0.150 0.150 0.150 0.150 0.150 0.150 0.150 0.150 N/ACA (State Adjustment of 0.125 for CA), MN 0.075 0.075 0.075 0.075 0.075 0.075 0.075 0.075 N/AAZ, CO, CT, DC, IA, ID, IN, KY, MA, MT, NE, NY, RI, SD, WV, WY 0.050 0.050 0.050 0.050 0.050 0.050 0.050 0.050 N/AAL, AR, DE, HI, IL, KS, MD, ME, MI, MO, MS, NC, ND, NH, NM, OH, SC, TN, UT, VA, VT, WA, WI 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 N/AAK, GA, LA, NJ, OK, OR (0.050) (0.050) (0.050) (0.050) (0.050) (0.050) (0.050) (0.050) N/AFL, PA (0.075) (0.075) (0.075) (0.075) (0.075) (0.075) (0.075) (0.075) N/ATX (0.150) (0.150) (0.150) (0.150) (0.150) (0.150) (0.150) (0.150) N/ALTV/FICO Adjustments: All Products w/Terms > 15 Yrs740+ FICO 0.000 0.250 0.250 0.500 0.250 0.250 0.250 0.250 N/A720-739 FICO 0.000 0.250 0.500 0.750 0.500 0.500 0.500 0.500 N/A
Doctor/Physicians High Balance Fixed 30 Year
CDRHBF30 15 DayApr 6
30 DayApr 20
45 DayMay 4
60 DayMay 19
2.750% 3.637 3.661 3.888 3.9122.875% 2.759 2.783 3.011 3.0353.000% 1.913 1.937 2.165 2.1893.125% 1.063 1.087 1.315 1.3393.250% 0.341 0.365 0.593 0.6173.375% (0.227) (0.203) 0.024 0.0483.500% (0.713) (0.689) (0.462) (0.438)3.625% (1.239) (1.215) (0.987) (0.963)3.750% (0.764) (0.719) (0.511) (0.466)3.875% (1.214) (1.169) (0.961) (0.916)3.990% (1.568) (1.524) (1.315) (1.271)4.000% (1.609) (1.564) (1.356) (1.311)4.125% (1.973) (1.928) (1.720) (1.675)4.250% (0.828) (0.762) (0.636) (0.570)4.375% (1.190) (1.124) (0.998) (0.932)4.500% (1.526) (1.460) (1.334) (1.268)4.625% (1.837) (1.771) (1.645) (1.579)4.750% (0.986) (0.900) (0.949) (0.863)4.875% (1.287) (1.200) (1.250) (1.163)4.990% (1.490) (1.404) (1.453) (1.367)5.000% (1.545) (1.459) (1.508) (1.422)
Max Net Rebate: (4.500)
Doctor/Physicians High Balance 7/1 LIBOR ARM
CDRHBL7 15 DayApr 6
30 DayApr 20
45 DayMay 4
60 DayMay 19
3.000% 0.804 0.929 1.054 1.1793.125% 0.345 0.470 0.595 0.7203.250% (0.116) 0.009 0.134 0.2593.375% (0.575) (0.450) (0.325) (0.200)3.500% (0.840) (0.715) (0.590) (0.465)3.625% (1.104) (0.979) (0.854) (0.729)3.750% (1.561) (1.436) (1.311) (1.186)3.875% (2.016) (1.891) (1.766) (1.641)3.990% (1.995) (1.870) (1.745) (1.620)4.125% (2.132) (2.007) (1.882) (1.757)4.250% (2.581) (2.456) (2.331) (2.206)4.375% (3.028) (2.903) (2.778) (2.653)4.500% (2.493) (2.368) (2.243) (2.118)4.625% (1.958) (1.833) (1.708) (1.583)4.750% (2.401) (2.276) (2.151) (2.026)
Max Net Rebate: (4.000) Margin: 2.250 Caps: 5.000/2.000/5.000Libor 1 Year: 0.92200
www.caliberwholesale.com
Effective Mar 20, 2020 4:35 PM CT - Page 8 of 20
Doctor/Physician Fixed and ARM
Broker Support: 888-H2O-7026
Effective Mar 20, 2020 4:35 PM CT - Page 8 of 20
San Diego Wholesale - CL1 Rate Sheet A
This rate sheet is intended for use by mortgage professionals only. Prices, rates, and terms are subject to change without notice. Locking, Relocking, Lock Extensions, Program/Product change requests to the Price Desk must be submitted before 6:45 pm CT.
Click here for Reduced MI Adjustments
HomeReady Mortgage and Home Possible
HomeReady 30(16-30) Year Fixed
CHRF30 15 DayApr 6
30 DayApr 20
45 DayMay 4
60 DayMay 19
3.375% (0.642) (0.618) (0.390) (0.366)3.500% (1.093) (1.069) (0.842) (0.818)3.625% (1.702) (1.678) (1.450) (1.426)3.750% (0.880) (0.835) (0.627) (0.582)3.875% (1.282) (1.237) (1.029) (0.984)3.990% (1.584) (1.539) (1.331) (1.286)4.000% (1.644) (1.599) (1.391) (1.346)4.125% (1.975) (1.930) (1.722) (1.677)4.250% (1.051) (0.985) (0.859) (0.793)4.375% (1.389) (1.323) (1.197) (1.131)4.500% (1.690) (1.625) (1.499) (1.433)4.625% (1.995) (1.929) (1.803) (1.737)4.750% (1.553) (1.467) (1.516) (1.430)4.875% (1.852) (1.765) (1.815) (1.728)4.990% (2.048) (1.962) (2.011) (1.925)5.000% (2.131) (2.044) (2.094) (2.007)
Max Net Rebate: (4.500)
San Diego Wholesale - CL1 Rate Sheet A
This rate sheet is intended for use by mortgage professionals only. Prices, rates, and terms are subject to change without notice. Locking, Relocking, Lock Extensions, Program/Product change requests to the Price Desk must be submitted before 6:45 pm CT. Effective Mar 20, 2020 4:35 PM CT - Page 10 of 20
Effective Mar 20, 2020 4:35 PM CT - Page 10 of 20
Home Possible 30(16-30) Year Fixed
CHMPF30 15 DayApr 6
30 DayApr 20
45 DayMay 4
60 DayMay 19
2.750% 3.295 3.319 3.546 3.5702.875% 2.385 2.409 2.636 2.6603.000% 1.495 1.519 1.746 1.7703.125% 0.576 0.600 0.828 0.8523.250% (0.162) (0.138) 0.090 0.1143.375% (0.721) (0.697) (0.469) (0.445)3.500% (1.186) (1.162) (0.935) (0.911)3.625% (1.702) (1.678) (1.450) (1.426)3.750% (0.999) (0.954) (0.746) (0.701)3.875% (1.430) (1.385) (1.177) (1.132)3.990% (1.767) (1.722) (1.514) (1.469)4.000% (1.824) (1.779) (1.571) (1.526)4.125% (2.185) (2.141) (1.932) (1.888)
Max Net Rebate: (4.500)
Home Possible 15(11-15) Year Fixed
CHMPF15 15 DayApr 6
30 DayApr 20
45 DayMay 4
60 DayMay 19
2.750% 1.724 1.748 2.005 2.0292.875% 0.962 0.986 1.243 1.2672.990% 0.527 0.551 0.808 0.8323.000% 0.386 0.410 0.667 0.6913.125% (0.097) (0.073) 0.184 0.2083.250% (0.537) (0.513) (0.255) (0.231)3.375% (0.969) (0.945) (0.688) (0.664)3.500% (1.110) (1.086) (0.829) (0.805)3.625% (0.773) (0.728) (0.461) (0.416)3.750% (1.163) (1.118) (0.850) (0.805)3.875% (1.528) (1.483) (1.216) (1.171)3.990% (1.795) (1.751) (1.483) (1.438)4.000% (1.711) (1.666) (1.399) (1.354)4.125% (1.754) (1.688) (1.348) (1.282)4.250% (2.093) (2.028) (1.687) (1.621)4.375% (2.396) (2.331) (1.990) (1.924)4.500% (2.388) (2.323) (1.982) (1.916)
Max Net Rebate: (4.500)
HomeReady 15(10-15) Year Fixed
CHRF15 15 DayApr 6
30 DayApr 20
45 DayMay 4
60 DayMay 19
3.625% (0.773) (0.728) (0.461) (0.416)3.750% (1.163) (1.118) (0.850) (0.805)3.875% (1.528) (1.483) (1.216) (1.171)3.990% (1.795) (1.751) (1.483) (1.438)4.000% (1.711) (1.666) (1.399) (1.354)4.125% (1.754) (1.688) (1.348) (1.282)4.250% (2.093) (2.028) (1.687) (1.621)4.375% (2.396) (2.331) (1.990) (1.924)4.500% (2.388) (2.323) (1.982) (1.916)4.625% (1.668) (1.582) (1.637) (1.551)4.750% (1.920) (1.834) (1.889) (1.802)4.875% (2.123) (2.036) (2.092) (2.005)
Max Net Rebate: (4.500)
Broker Support: 888-H2O-7026www.caliberwholesale.com
Click here for HomeReady and Home Possible LLPA Caps
HomeReady and Home Possible LTV Adjustments 0-60 60.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97 > 97Total Loan Amount $100,000-$125,000 (N/A on High Balance) 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125 N/ATotal Loan Amount $75,000-$99,999 (N/A on High Balance) 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500 N/ATotal Loan Amount $50,000-$74,999 (N/A on High Balance) 0.750 0.750 0.750 0.750 0.750 0.750 0.750 0.750 N/ATotal Loan Amount < $50,000 (N/A on High Balance) 1.500 1.500 1.500 1.500 1.500 1.500 1.500 1.500 N/A2 Unit 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 N/A3-4 Units 1.000 1.000 1.000 1.000 1.500 2.000 2.000 2.000 N/ALow or High Rise Condo (All Products w/Terms > 15 Yrs) 0.000 0.000 0.000 0.750 0.750 0.750 0.750 0.750 N/AEscrow Waiver (CA 0.00, NY 0.00) 0.250 0.250 0.250 0.250 N/A N/A N/A N/A N/A<=75% LTV - <=80% CLTV or 75.01-76% LTV-75.01-76% CLTV or > 95% LTV - > 95% CLTV (HomeReady Only; N/A Community Second) 0.375 0.375 0.375 0.375 N/A N/A N/A 0.375 N/A<=75% LTV - 80.01-95% CLTV & < 720 FICO (HomeReady Only; N/A Community Second) 0.875 1.125 1.125 N/A N/A N/A N/A N/A N/A<= 75% LTV - 80.01-95% CLTV & 720+ FICO (HomeReady Only; N/A Community Second) 0.625 0.875 0.875 N/A N/A N/A N/A N/A N/A>75% LTV - 76.01-95% CLTV & < 720 FICO (HomeReady Only; N/A Community Second) N/A N/A N/A 1.375 1.375 1.375 1.375 N/A N/A>75% LTV - 76.01-95% CLTV & 720+ FICO (HomeReady Only; N/A Community Second) N/A N/A N/A 1.125 1.125 1.125 1.125 N/A N/A<=95% LTV - 95.01-97% CLTV (HomeReady Only; N/A Community Second) 1.875 1.875 1.875 1.875 1.875 1.875 1.875 N/A N/APurchase or No C/O: Rate/Term ( HomeReady / HomePossible High Balance Only) 0.250 0.250 0.250 0.250 0.250 0.250 0.250 N/A N/ASecondary Financing (HomePossible Only & N/A on Affordable Seconds with <= 95% LTV) 0.500 0.500 0.500 0.500 0.500 0.500 0.500 N/A N/AState Adjustments ( HomeReady and Home Possible) NV 0.150 0.150 0.150 0.150 0.150 0.150 0.150 0.150 N/ACA (State Adjustment of 0.125 for CA), MN 0.075 0.075 0.075 0.075 0.075 0.075 0.075 0.075 N/AAZ, CO, CT, DC, IA, ID, IN, KY, MA, MT, NE, NY, RI, SD, WV, WY 0.050 0.050 0.050 0.050 0.050 0.050 0.050 0.050 N/AAL, AR, DE, HI, IL, KS, MD, ME, MI, MO, MS, NC, ND, NH, NM, OH, SC, TN, UT, VA, VT, WA, WI 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 N/AAK, GA, LA, NJ, OK, OR (0.050) (0.050) (0.050) (0.050) (0.050) (0.050) (0.050) (0.050) N/AFL, PA (0.075) (0.075) (0.075) (0.075) (0.075) (0.075) (0.075) (0.075) N/ATX (0.150) (0.150) (0.150) (0.150) (0.150) (0.150) (0.150) (0.150) N/ALTV/FICO Adjustments: All Products w/Terms > 15 Yrs. ( HomeReady and Home Possible) 740+ FICO 0.000 0.250 0.250 0.500 0.250 0.250 0.250 0.750 N/A720-739 FICO 0.000 0.250 0.500 0.750 0.500 0.500 0.500 1.000 N/A700-719 FICO 0.000 0.500 1.000 1.250 1.000 1.000 1.000 1.500 N/A680-699 FICO 0.000 0.500 1.250 1.750 1.500 1.250 1.250 1.500 N/A660-679 FICO 0.000 1.000 2.250 2.750 2.750 2.250 2.250 2.250 N/A640-659 FICO 0.500 1.250 2.750 3.000 3.250 2.750 2.750 2.750 N/A620-639 FICO (Applicable to Non Traditional Credit HomeReady Only) 0.500 1.500 3.000 3.000 3.250 3.250 3.250 3.500 N/A
Click here for LPMI AdjustmentsClick here for Reduced MI Adjustments
HomeReady Mortgage and Home Possible High Balance
HomeReady High Balance 30(16-30) Year Fixed
CHRHBF30 15 DayApr 6
30 DayApr 20
45 DayMay 4
60 DayMay 19
2.750% 3.647 3.671 3.898 3.9222.875% 2.769 2.793 3.021 3.0453.000% 1.923 1.947 2.175 2.1993.125% 1.073 1.097 1.325 1.3493.250% 0.351 0.375 0.603 0.6273.375% (0.217) (0.193) 0.034 0.0583.500% (0.703) (0.679) (0.452) (0.428)3.625% (1.229) (1.205) (0.977) (0.953)3.750% (0.607) (0.562) (0.354) (0.309)3.875% (1.057) (1.012) (0.804) (0.759)3.990% (1.412) (1.367) (1.159) (1.114)4.000% (1.452) (1.407) (1.199) (1.154)4.125% (1.816) (1.771) (1.563) (1.518)4.250% (0.724) (0.658) (0.532) (0.466)4.375% (1.086) (1.020) (0.894) (0.828)4.500% (1.422) (1.356) (1.230) (1.164)4.990% (1.578) (1.491) (1.541) (1.454)
Max Net Rebate: (4.500)
San Diego Wholesale - CL1 Rate Sheet A
This rate sheet is intended for use by mortgage professionals only. Prices, rates, and terms are subject to change without notice. Locking, Relocking, Lock Extensions, Program/Product change requests to the Price Desk must be submitted before 6:45 pm CT. Effective Mar 20, 2020 4:35 PM CT - Page 11 of 20
Effective Mar 20, 2020 4:35 PM CT - Page 11 of 20
Home Possible High Balance 30(16-30) Year Fixed
CHMPHBF30 15 DayApr 6
30 DayApr 20
45 DayMay 4
60 DayMay 19
2.750% 2.547 2.571 2.798 2.8222.875% 1.669 1.693 1.921 1.9453.000% 0.823 0.847 1.075 1.0993.125% (0.027) (0.003) 0.225 0.2493.250% (0.749) (0.725) (0.497) (0.473)3.375% (1.317) (1.293) (1.066) (1.042)3.500% (1.803) (1.779) (1.552) (1.528)3.625% (2.329) (2.305) (2.077) (2.053)3.750% (1.707) (1.662) (1.454) (1.409)3.875% (2.157) (2.112) (1.904) (1.859)3.990% (2.592) (2.547) (2.339) (2.294)4.000% (2.552) (2.507) (2.299) (2.254)4.125% (2.916) (2.871) (2.663) (2.618)4.250% (1.824) (1.758) (1.632) (1.566)4.375% (2.186) (2.120) (1.994) (1.928)4.500% (2.522) (2.456) (2.330) (2.264)4.990% (2.758) (2.671) (2.721) (2.634)
Max Net Rebate: (4.500)
Home Possible High Balance 15(11-15) Year Fixed
CHMPHBF15 15 DayApr 6
30 DayApr 20
45 DayMay 4
60 DayMay 19
2.750% 1.341 1.365 1.622 1.6462.875% 0.839 0.863 1.120 1.1443.000% 0.364 0.388 0.645 0.6693.125% (0.075) (0.051) 0.206 0.2303.250% (0.465) (0.441) (0.184) (0.160)3.375% (0.828) (0.804) (0.546) (0.522)3.500% (0.880) (0.856) (0.598) (0.574)3.625% (0.353) (0.308) (0.040) 0.0053.750% (0.676) (0.631) (0.364) (0.319)3.875% (0.965) (0.920) (0.652) (0.608)3.990% (1.249) (1.204) (0.937) (0.892)4.000% (1.022) (0.977) (0.709) (0.664)4.125% (0.963) (0.897) (0.556) (0.491)4.250% (1.217) (1.152) (0.811) (0.746)4.375% (1.445) (1.379) (1.039) (0.973)4.500% (1.430) (1.365) (1.024) (0.958)
Max Net Rebate: (4.500)
Broker Support: 888-H2O-7026www.caliberwholesale.com
Click here for HomeReady and Home Possible LLPA Caps
HomeReady High Balance 15(10-15) year Fixed
CHRHBF15 15 DayApr 6
30 DayApr 20
45 DayMay 4
60 DayMay 19
2.750% 2.441 2.465 2.722 2.7462.875% 1.939 1.963 2.220 2.2443.000% 1.464 1.488 1.745 1.7693.125% 1.025 1.049 1.306 1.3303.250% 0.635 0.659 0.916 0.9403.375% 0.272 0.296 0.554 0.5783.500% 0.220 0.244 0.502 0.5263.625% 0.747 0.792 1.060 1.1053.750% 0.424 0.469 0.736 0.7813.875% 0.135 0.180 0.448 0.4923.990% (0.069) (0.024) 0.243 0.2884.000% 0.078 0.123 0.391 0.4364.125% 0.137 0.203 0.544 0.6094.250% (0.117) (0.052) 0.289 0.3544.375% (0.345) (0.279) 0.061 0.1274.500% (0.330) (0.265) 0.076 0.142
Max Net Rebate: (4.500)
HomeReady and Home Possible LTV Adjustments 0-60 60.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97 > 97Total Loan Amount $100,000-$125,000 (N/A on High Balance) 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125 N/ATotal Loan Amount $75,000-$99,999 (N/A on High Balance) 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500 N/ATotal Loan Amount $50,000-$74,999 (N/A on High Balance) 0.750 0.750 0.750 0.750 0.750 0.750 0.750 0.750 N/ATotal Loan Amount < $50,000 (N/A on High Balance) 1.500 1.500 1.500 1.500 1.500 1.500 1.500 1.500 N/A2 Unit 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 N/A3-4 Units 1.000 1.000 1.000 1.000 1.500 2.000 2.000 2.000 N/ALow or High Rise Condo (All Products w/Terms > 15 Yrs) 0.000 0.000 0.000 0.750 0.750 0.750 0.750 0.750 N/AEscrow Waiver (CA 0.00, NY 0.00) 0.250 0.250 0.250 0.250 N/A N/A N/A N/A N/A<=75% LTV - <=80% CLTV or 75.01-76% LTV-75.01-76% CLTV or > 95% LTV - > 95% CLTV (HomeReady Only; N/A Community Second) 0.375 0.375 0.375 0.375 N/A N/A N/A 0.375 N/A<=75% LTV - 80.01-95% CLTV & < 720 FICO (HomeReady Only; N/A Community Second) 0.875 1.125 1.125 N/A N/A N/A N/A N/A N/A<= 75% LTV - 80.01-95% CLTV & 720+ FICO (HomeReady Only; N/A Community Second) 0.625 0.875 0.875 N/A N/A N/A N/A N/A N/A>75% LTV - 76.01-95% CLTV & < 720 FICO (HomeReady Only; N/A Community Second) N/A N/A N/A 1.375 1.375 1.375 1.375 N/A N/A>75% LTV - 76.01-95% CLTV & 720+ FICO (HomeReady Only; N/A Community Second) N/A N/A N/A 1.125 1.125 1.125 1.125 N/A N/A<=95% LTV - 95.01-97% CLTV (HomeReady Only; N/A Community Second) 1.875 1.875 1.875 1.875 1.875 1.875 1.875 N/A N/APurchase or No C/O: Rate/Term ( HomeReady / HomePossible High Balance Only) 0.250 0.250 0.250 0.250 0.250 0.250 0.250 N/A N/ASecondary Financing (HomePossible Only & N/A on Affordable Seconds with <= 95% LTV) 0.500 0.500 0.500 0.500 0.500 0.500 0.500 N/A N/AState Adjustments ( HomeReady and Home Possible) NV 0.150 0.150 0.150 0.150 0.150 0.150 0.150 0.150 N/ACA (State Adjustment of 0.125 for CA), MN 0.075 0.075 0.075 0.075 0.075 0.075 0.075 0.075 N/AAZ, CO, CT, DC, IA, ID, IN, KY, MA, MT, NE, NY, RI, SD, WV, WY 0.050 0.050 0.050 0.050 0.050 0.050 0.050 0.050 N/AAL, AR, DE, HI, IL, KS, MD, ME, MI, MO, MS, NC, ND, NH, NM, OH, SC, TN, UT, VA, VT, WA, WI 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 N/AAK, GA, LA, NJ, OK, OR (0.050) (0.050) (0.050) (0.050) (0.050) (0.050) (0.050) (0.050) N/AFL, PA (0.075) (0.075) (0.075) (0.075) (0.075) (0.075) (0.075) (0.075) N/ATX (0.150) (0.150) (0.150) (0.150) (0.150) (0.150) (0.150) (0.150) N/ALTV/FICO Adjustments: All Products w/Terms > 15 Yrs. ( HomeReady and Home Possible) 740+ FICO 0.000 0.250 0.250 0.500 0.250 0.250 0.250 0.750 N/A720-739 FICO 0.000 0.250 0.500 0.750 0.500 0.500 0.500 1.000 N/A700-719 FICO 0.000 0.500 1.000 1.250 1.000 1.000 1.000 1.500 N/A680-699 FICO 0.000 0.500 1.250 1.750 1.500 1.250 1.250 1.500 N/A660-679 FICO 0.000 1.000 2.250 2.750 2.750 2.250 2.250 2.250 N/A640-659 FICO 0.500 1.250 2.750 3.000 3.250 2.750 2.750 2.750 N/A620-639 FICO (Applicable to Non Traditional Credit HomeReady Only) 0.500 1.500 3.000 3.000 3.250 3.250 3.250 3.500 N/A
Click here for LPMI Adjustments
Caliber Portfolio Elite Access
Caliber Portfolio Elite Access 5/1 LIBOR ARM IO*
NAEAL5I 30 DayApr 20
45 DayMay 4
60 DayMay 19
4.990% (0.780) (0.717) (0.655)5.500% (1.800) (1.737) (1.675)5.625% (2.050) (1.987) (1.925)5.750% (2.300) (2.237) (2.175)5.875% (2.550) (2.487) (2.425)5.990% (2.780) (2.717) (2.655)6.000% (2.800) (2.737) (2.675)6.125% (3.050) (2.987) (2.925)6.250% (3.300) (3.237) (3.175)6.375% (3.550) (3.487) (3.425)6.500% (3.800) (3.737) (3.675)6.625% (4.050) (3.987) (3.925)6.750% (4.300) (4.237) (4.175)
Max Net Rebate: 0.000 Margin: 4.000 Caps: 2.000/2.000/6.000Libor 1 Year: 0.92200
Caliber Portfolio Elite Access 5/1 LIBOR ARM*
NAEAL5 30 DayApr 20
45 DayMay 4
60 DayMay 19
4.875% (0.550) (0.487) (0.425)4.990% (0.780) (0.717) (0.655)5.000% (0.800) (0.737) (0.675)5.125% (1.050) (0.987) (0.925)5.250% (1.300) (1.237) (1.175)5.375% (1.550) (1.487) (1.425)5.500% (1.800) (1.737) (1.675)5.625% (2.050) (1.987) (1.925)5.750% (2.300) (2.237) (2.175)5.875% (2.550) (2.487) (2.425)5.990% (2.780) (2.717) (2.655)6.000% (2.800) (2.737) (2.675)6.125% (3.050) (2.987) (2.925)6.250% (3.300) (3.237) (3.175)6.375% (3.550) (3.487) (3.425)
Max Net Rebate: 0.000 Margin: 4.000 Caps: 2.000/2.000/6.000Libor 1 Year: 0.92200
San Diego Wholesale - CL1 Rate Sheet A
This rate sheet is intended for use by mortgage professionals only. Prices, rates, and terms are subject to change without notice. Locking, Relocking, Lock Extensions, Program/Product change requests to the Price Desk must be submitted before 6:45 pm CT. Effective Mar 20, 2020 4:35 PM CT - Page 12 of 20
Effective Mar 20, 2020 4:35 PM CT - Page 12 of 20
Caliber Portfolio Elite Access 7/1 LIBOR ARM*
NAEAL7 30 DayApr 20
45 DayMay 4
60 DayMay 19
4.875% (0.550) (0.487) (0.425)4.990% (0.780) (0.717) (0.655)5.000% (0.800) (0.737) (0.675)5.125% (1.050) (0.987) (0.925)5.250% (1.300) (1.237) (1.175)5.375% (1.550) (1.487) (1.425)5.500% (1.800) (1.737) (1.675)5.625% (2.050) (1.987) (1.925)5.750% (2.300) (2.237) (2.175)5.875% (2.550) (2.487) (2.425)5.990% (2.780) (2.717) (2.655)6.000% (2.800) (2.737) (2.675)6.125% (3.050) (2.987) (2.925)6.250% (3.300) (3.237) (3.175)6.375% (3.550) (3.487) (3.425)
Max Net Rebate: 0.000 Margin: 4.000 Caps: 2.000/2.000/6.000Libor 1 Year: 0.92200
Caliber Portfolio Elite Access 30 Year Fixed IO*
NAEAF30I 30 DayApr 20
45 DayMay 4
60 DayMay 19
4.990% (0.655) (0.592) (0.530)5.500% (1.675) (1.612) (1.550)5.625% (1.925) (1.862) (1.800)5.750% (2.175) (2.112) (2.050)5.875% (2.425) (2.362) (2.300)5.990% (2.655) (2.592) (2.530)6.000% (2.675) (2.612) (2.550)6.125% (2.925) (2.862) (2.800)6.250% (3.175) (3.112) (3.050)6.375% (3.425) (3.362) (3.300)6.500% (3.675) (3.612) (3.550)6.625% (3.925) (3.862) (3.800)6.750% (4.175) (4.112) (4.050)
Max Net Rebate: 0.000
Caliber Portfolio Elite Access 7/1 LIBOR ARM IO*
NAEAL7I 30 DayApr 20
45 DayMay 4
60 DayMay 19
4.990% (0.780) (0.717) (0.655)5.500% (1.800) (1.737) (1.675)5.625% (2.050) (1.987) (1.925)5.750% (2.300) (2.237) (2.175)5.875% (2.550) (2.487) (2.425)5.990% (2.780) (2.717) (2.655)6.000% (2.800) (2.737) (2.675)6.125% (3.050) (2.987) (2.925)6.250% (3.300) (3.237) (3.175)6.375% (3.550) (3.487) (3.425)6.500% (3.800) (3.737) (3.675)6.625% (4.050) (3.987) (3.925)6.750% (4.300) (4.237) (4.175)
Max Net Rebate: 0.000 Margin: 4.000 Caps: 2.000/2.000/6.000Libor 1 Year: 0.92200
Broker Support: 888-H2O-7026www.caliberwholesale.com
Click here for
HomeReady and Home
Possible LLPA Caps
Caliber Portfolio Elite Access 30 Year Fixed*
NAEAF30 30 DayApr 20
45 DayMay 4
60 DayMay 19
4.875% (0.425) (0.362) (0.300)4.990% (0.655) (0.592) (0.530)5.000% (0.675) (0.612) (0.550)5.125% (0.925) (0.862) (0.800)5.250% (1.175) (1.112) (1.050)5.375% (1.425) (1.362) (1.300)5.500% (1.675) (1.612) (1.550)5.625% (1.925) (1.862) (1.800)5.750% (2.175) (2.112) (2.050)5.875% (2.425) (2.362) (2.300)5.990% (2.655) (2.592) (2.530)6.000% (2.675) (2.612) (2.550)6.125% (2.925) (2.862) (2.800)6.250% (3.175) (3.112) (3.050)6.375% (3.425) (3.362) (3.300)
Max Net Rebate: 0.000
LTV 0-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 > 90
Adjustment to PriceSecond Home 0.500 0.500 0.500 0.500 0.500 0.500 0.500Cash out (except Debt Consolidation ) 0.750 0.750 0.750 0.750 0.750 N/A N/A2-4 Unit Property 0.250 0.250 0.250 0.250 0.250 0.250 0.250Interest Only 0.750 0.750 0.750 0.750 0.750 0.750 N/AEscrow Waiver (for CA 0.25 up to 90% LTV) 0.250 0.250 0.250 0.250 N/A N/A N/A
FICO: Adjustment to Price740+ FICO 0.000 0.000 0.000 0.000 0.500 1.500 2.000720-739 FICO 0.000 0.000 0.000 0.000 0.500 1.500 N/A700-719 FICO 0.000 0.000 0.000 0.000 0.500 1.500 N/A
Loan Amount: Adjustments to PriceTotal Loan Amount < 1,000,000 0.000 0.000 0.000 0.000 0.000 0.000 0.000Total Loan Amount $1,000,000 to $1,999,999 (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) 0.000Total Loan Amount >= $2,000,000 (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) 0.000Purchase 0.000 0.000 0.000 0.000 0.000 0.000 0.000Condo 0.000 0.000 0.000 0.000 0.000 0.000 0.000
Click here for LPMI Adjustments
*Additional Loan Products
NAEAL5DC: Portfolio Non-Agency Elite Access 5/1 LIBOR ARM Debt Consolidation
NAEAL7DC: Portfolio Non-Agency Elite Access 7/1 LIBOR ARM Debt Consolidation
NAEAF30DC: Portfolio Non-Agency Elite Access Fixed 30 Year Debt Consolidation
NAEAA6F30: Portfolio Non-Agency Elite Access Texas (a)(6) Fixed 30 Year
Caliber Portfolio Empire Elite 30 Year Fixed*
NAENEF30 30 DayApr 20
45 DayMay 4
60 DayMay 19
4.875% (0.425) (0.362) (0.300)4.990% (0.655) (0.592) (0.530)5.000% (0.675) (0.612) (0.550)5.125% (0.925) (0.862) (0.800)5.250% (1.175) (1.112) (1.050)5.375% (1.425) (1.362) (1.300)5.500% (1.675) (1.612) (1.550)5.625% (1.925) (1.862) (1.800)5.750% (2.175) (2.112) (2.050)5.875% (2.425) (2.362) (2.300)5.990% (2.655) (2.592) (2.530)6.000% (2.675) (2.612) (2.550)6.125% (2.925) (2.862) (2.800)6.250% (3.175) (3.112) (3.050)6.375% (3.425) (3.362) (3.300)
Max Net Rebate: 0.000
LTV 0-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 > 90
Adjustments to PriceSecond Home 0.500 0.500 0.500 0.500 0.500 0.500 0.500Cash out (except Debt Consolidation ) 0.750 0.750 0.750 0.750 0.750 N/A N/A2-4 Unit Property 0.250 0.250 0.250 0.250 0.250 0.250 0.250Escrow Waiver 0.250 0.250 0.250 0.250 N/A N/A N/A
FICO: Adjustments to Price740+ FICO 0.000 0.000 0.000 0.000 0.500 1.500 2.000720-739 FICO 0.000 0.000 0.000 0.000 0.500 1.500 N/A700-719 FICO 0.000 0.000 0.000 0.000 0.500 1.500 N/A
Loan Amount: Adjustments to PriceTotal Loan Amount < 1,000,000 0.000 0.000 0.000 0.000 0.000 0.000 0.000Total Loan Amount $1,000,000 to $1,999,999 (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) 0.000Total Loan Amount >= $2,000,000 (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) 0.000Purchase 0.000 0.000 0.000 0.000 0.000 0.000 0.000Condo 0.000 0.000 0.000 0.000 0.000 0.000 0.000
This rate sheet is intended for use by mortgage professionals only. Prices, rates, and terms are subject to change without notice. Locking, Relocking, Lock Extensions, Program/Product change requests to the Price Desk must be submitted before 6:45 pm CT.
Effective Mar 20, 2020 4:35 PM CT - Page 13 of 20
Effective Mar 20, 2020 4:35 PM CT - Page 13 of 20
San Diego Wholesale - CL1 Rate Sheet A
Caliber Portfolio Empire Elite
75 Day Lock = 60 Day Price – 6.25 bps
Broker Support: 888-H2O-7026www.caliberwholesale.com
Caliber Portfolio Empire Elite 7/1 LIBOR ARM*
NAENEL7 30 DayApr 20
45 DayMay 4
60 DayMay 19
4.875% (0.550) (0.487) (0.425)4.990% (0.780) (0.717) (0.655)5.000% (0.800) (0.737) (0.675)5.125% (1.050) (0.987) (0.925)5.250% (1.300) (1.237) (1.175)5.375% (1.550) (1.487) (1.425)5.500% (1.800) (1.737) (1.675)5.625% (2.050) (1.987) (1.925)5.750% (2.300) (2.237) (2.175)5.875% (2.550) (2.487) (2.425)5.990% (2.780) (2.717) (2.655)6.000% (2.800) (2.737) (2.675)6.125% (3.050) (2.987) (2.925)6.250% (3.300) (3.237) (3.175)6.375% (3.550) (3.487) (3.425)
Max Net Rebate: 0.000 Margin: 4.000 Caps: 2.000/2.000/6.000Libor 1 Year: 0.92200
*Additional Loan Products
NAFSA6F30: Portfolio Non-Agency Fresh Start Texas (a)(6) Fixed 30 Year
NAENEF30DC: Portfolio Non-Agency Empire Elite Fixed 30 Year Debt Consolidation
NAENEL5DC: Portfolio Non-Agency Empire Elite 5/1 LIBOR ARM Debt Consolidation
Caliber Portfolio Empire Elite 5/1 LIBOR ARM*
NAENEL5 30 DayApr 20
45 DayMay 4
60 DayMay 19
4.875% (0.550) (0.487) (0.425)4.990% (0.780) (0.717) (0.655)5.000% (0.800) (0.737) (0.675)5.125% (1.050) (0.987) (0.925)5.250% (1.300) (1.237) (1.175)5.375% (1.550) (1.487) (1.425)5.500% (1.800) (1.737) (1.675)5.625% (2.050) (1.987) (1.925)5.750% (2.300) (2.237) (2.175)5.875% (2.550) (2.487) (2.425)5.990% (2.780) (2.717) (2.655)6.000% (2.800) (2.737) (2.675)6.125% (3.050) (2.987) (2.925)6.250% (3.300) (3.237) (3.175)6.375% (3.550) (3.487) (3.425)
Max Net Rebate: 0.000 Margin: 4.000 Caps: 2.000/2.000/6.000Libor 1 Year: 0.92200
NAENEL7DC: Portfolio Non-Agency Empire Elite 7/1 LIBOR ARM Debt Consolidation
Caliber Portfolio Premier Access 5/1 LIBOR ARM*
NAJAL5 30 DayApr 20
45 DayMay 4
60 DayMay 19
5.250% (0.720) (0.657) (0.595)5.375% (0.970) (0.907) (0.845)5.500% (1.220) (1.157) (1.095)5.625% (1.470) (1.407) (1.345)5.750% (1.720) (1.657) (1.595)5.875% (1.970) (1.907) (1.845)6.000% (2.220) (2.157) (2.095)6.125% (2.470) (2.407) (2.345)6.250% (2.720) (2.657) (2.595)6.375% (2.970) (2.907) (2.845)6.500% (3.220) (3.157) (3.095)6.625% (3.470) (3.407) (3.345)
Max Net Rebate: 0.000 Margin: 4.000 Caps: 2.000/2.000/6.000Libor 1 Year: 0.92200
Caliber Portfolio Premier Access 30 Year Fixed*
NAJAF30 30 DayApr 20
45 DayMay 4
60 DayMay 19
5.500% (1.145) (1.082) (1.020)5.625% (1.395) (1.332) (1.270)5.750% (1.645) (1.582) (1.520)5.875% (1.895) (1.832) (1.770)6.000% (2.145) (2.082) (2.020)6.125% (2.395) (2.332) (2.270)6.250% (2.645) (2.582) (2.520)6.375% (2.895) (2.832) (2.770)6.500% (3.145) (3.082) (3.020)6.625% (3.395) (3.332) (3.270)6.750% (3.645) (3.582) (3.520)6.875% (3.895) (3.832) (3.770)7.000% (4.145) (4.082) (4.020)
Max Net Rebate: 0.000
This rate sheet is intended for use by mortgage professionals only. Prices, rates, and terms are subject to change without notice. Locking, Relocking, Lock Extensions, Program/Product change requests to the Price Desk must be submitted before 6:45 pm CT.
Effective Mar 20, 2020 4:35 PM CT - Page 14 of 20
Effective Mar 20, 2020 4:35 PM CT - Page 14 of 20
San Diego Wholesale - CL1 Rate Sheet A
Caliber Portfolio Premier Access
75 Day Lock = 60 Day Price – 6.25 bps
Broker Support: 888-H2O-7026www.caliberwholesale.com
Caliber Portfolio Premier Access 5/1 LIBOR ARM IO*
NAJAL5I 30 DayApr 20
45 DayMay 4
60 DayMay 19
5.500% (1.220) (1.157) (1.095)5.625% (1.470) (1.407) (1.345)5.750% (1.720) (1.657) (1.595)5.875% (1.970) (1.907) (1.845)6.000% (2.220) (2.157) (2.095)6.125% (2.470) (2.407) (2.345)6.250% (2.720) (2.657) (2.595)6.375% (2.970) (2.907) (2.845)6.500% (3.220) (3.157) (3.095)6.625% (3.470) (3.407) (3.345)6.750% (3.720) (3.657) (3.595)6.875% (3.970) (3.907) (3.845)7.000% (4.220) (4.157) (4.095)
Max Net Rebate: 0.000 Margin: 4.000 Caps: 2.000/2.000/6.000Libor 1 Year: 0.92200
*Additional Loan Products
NAJAA6F30: Portfolio Non-Agency Premier Access Texas (a)(6) Fixed 30 Year
NAJAF30DC: Portfolio Non-Agency Premier Access Fixed 30 Year Debt Consolidation
NAJAL5DC: Portfolio Non-Agency Premier Access 5/1 LIBOR ARM Debt Consolidation
Caliber Portfolio Premier Access 7/1 LIBOR ARM*
NAJAL7 30 DayApr 20
45 DayMay 4
60 DayMay 19
5.375% (0.970) (0.907) (0.845)5.500% (1.220) (1.157) (1.095)5.625% (1.470) (1.407) (1.345)5.750% (1.720) (1.657) (1.595)5.875% (1.970) (1.907) (1.845)6.000% (2.220) (2.157) (2.095)6.125% (2.470) (2.407) (2.345)6.250% (2.720) (2.657) (2.595)6.375% (2.970) (2.907) (2.845)6.500% (3.220) (3.157) (3.095)6.625% (3.470) (3.407) (3.345)6.750% (3.720) (3.657) (3.595)
Max Net Rebate: 0.000 Margin: 4.000 Caps: 2.000/2.000/6.000Libor 1 Year: 0.92200
NAJAL7DC: Portfolio Non-Agency Premier Access 7/1 LIBOR ARM Debt Consolidation
LTV 0-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 > 90LTV: Adjustment to PriceSecond Home 0.500 0.500 0.500 0.500 0.500 0.500 0.500Cash Out (Except Debt Consolidation) 0.750 0.750 0.750 0.750 0.750 N/A N/A2-4 units 0.250 0.250 0.250 0.250 0.250 0.250 0.250Interest Only - ARM 0.750 0.750 0.750 0.750 N/A N/A N/AFICO: Adjustment to Price740+ FICO 0.000 0.000 0.000 0.000 0.500 1.500 2.500720-739 FICO 0.000 0.000 0.000 0.000 0.500 1.500 N/A700-719 FICO 0.000 0.000 0.000 0.000 0.500 1.500 N/A680-699 FICO 0.000 0.000 0.000 0.000 0.500 1.500 N/A660-679 FICO 1.000 1.000 1.000 1.500 2.000 3.000 N/A650-659 FICO 1.750 1.750 1.750 2.250 2.750 N/A N/ALoan Amount: Adjustments to PriceTotal Loan Amount < $199,999 0.500 0.500 0.500 0.500 0.500 0.500 0.500Total Loan Amount $200,000 to $299,999 0.250 0.250 0.250 0.250 0.250 0.250 0.250Total Loan Amount $300,000 to $599,999 0.000 0.000 0.000 0.000 0.000 0.000 0.000Total Loan Amount $600,000 to $799,999 0.000 0.000 0.000 0.000 0.000 0.000 0.000Total Loan Amount $800,000 to $999,999 0.000 0.000 0.000 0.000 0.000 0.000 0.000Total Loan Amount $1,000,000 to $1,499,999 (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) 0.000Total Loan Amount $1,500,000 to $1,999,999 (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) 0.000Total Loan Amount >= $2,000,000 (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) 0.000Refinance 0.000 0.000 0.000 0.000 0.000 0.000 0.000Condo 0.000 0.000 0.000 0.000 0.000 0.000 0.000>80% LTV and <700 FICO (High LTV) N/A N/A N/A N/A 0.000 0.000 0.000
Caliber Portfolio Empire Premier 30 Year Fixed*
NAENEF302 30 DayApr 20
45 DayMay 4
60 DayMay 19
5.500% (1.145) (1.082) (1.020)5.625% (1.395) (1.332) (1.270)5.750% (1.645) (1.582) (1.520)5.875% (1.895) (1.832) (1.770)6.000% (2.145) (2.082) (2.020)6.125% (2.395) (2.332) (2.270)6.250% (2.645) (2.582) (2.520)6.375% (2.895) (2.832) (2.770)6.500% (3.145) (3.082) (3.020)6.625% (3.395) (3.332) (3.270)6.750% (3.645) (3.582) (3.520)6.875% (3.895) (3.832) (3.770)7.000% (4.145) (4.082) (4.020)
Max Net Rebate: 0.000
LTV 0-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 > 90LTV: Adjustments to PriceSecond Home 0.500 0.500 0.500 0.500 0.500 0.500 0.500Cash Out (Except Debt Consolidation) 0.750 0.750 0.750 0.750 0.750 N/A N/A2-4 units 0.250 0.250 0.250 0.250 0.250 0.250 0.250FICO: Adjustments to Price740+ FICO 0.000 0.000 0.000 0.000 0.500 1.500 2.500720-739 FICO 0.000 0.000 0.000 0.000 0.500 1.500 N/A700-719 FICO 0.000 0.000 0.000 0.000 0.500 1.500 N/A680-699 FICO 0.000 0.000 0.000 0.000 0.500 1.500 N/ALoan Amount: Adjustments to PriceTotal Loan Amount <= $199,999 0.500 0.500 0.500 0.500 0.500 0.500 0.500Total Loan Amount $200,000 to $299,999 0.250 0.250 0.250 0.250 0.250 0.250 0.250Total Loan Amount $300,000 to $599,999 0.000 0.000 0.000 0.000 0.000 0.000 0.000Total Loan Amount $600,000 to $799,999 0.000 0.000 0.000 0.000 0.000 0.000 0.000Total Loan Amount $800,000 to $999,999 0.000 0.000 0.000 0.000 0.000 0.000 0.000Total Loan Amount $1,000,000 to $1,499,999 (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) 0.000Total Loan Amount $1,500,000 to $1,999,999 (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) 0.000Total Loan Amount >= $2,000,000 (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) 0.000Refinance 0.000 0.000 0.000 0.000 0.000 0.000 0.000Condo 0.000 0.000 0.000 0.000 0.000 0.000 0.000>80% LTV and <700 FICO (High LTV) N/A N/A N/A N/A 0.000 0.000 0.000
This rate sheet is intended for use by mortgage professionals only. Prices, rates, and terms are subject to change without notice. Locking, Relocking, Lock Extensions, Program/Product change requests to the Price Desk must be submitted before 6:45 pm CT.
Effective Mar 20, 2020 4:35 PM CT - Page 15 of 20
Effective Mar 20, 2020 4:35 PM CT - Page 15 of 20
San Diego Wholesale - CL1 Rate Sheet A
Caliber Portfolio Empire Premier
75 Day Lock = 60 Day Price – 6.25 bps
Broker Support: 888-H2O-7026www.caliberwholesale.com
Caliber Portfolio Empire Premier 7/1 LIBOR ARM*
NAENEL72 30 DayApr 20
45 DayMay 4
60 DayMay 19
5.375% (0.970) (0.907) (0.845)5.500% (1.220) (1.157) (1.095)5.625% (1.470) (1.407) (1.345)5.750% (1.720) (1.657) (1.595)5.875% (1.970) (1.907) (1.845)6.000% (2.220) (2.157) (2.095)6.125% (2.470) (2.407) (2.345)6.250% (2.720) (2.657) (2.595)6.375% (2.970) (2.907) (2.845)6.500% (3.220) (3.157) (3.095)6.625% (3.470) (3.407) (3.345)6.750% (3.720) (3.657) (3.595)
Max Net Rebate: 0.000 Margin: 4.000 Caps: 2.000/2.000/6.000Libor 1 Year: 0.92200
*Additional Loan Products
NAFSA6F30: Portfolio Non-Agency Fresh Start Texas (a)(6) Fixed 30 Year
NAENELF30DC2: Portfolio Non-Agency Empire Premier Fixed 30 Year Debt Consolidation
NAENEL5DC2: Portfolio Non-Agency Empire Premier 5/1 LIBOR ARM Debt Consolidation
Caliber Portfolio Empire Premier 5/1 LIBOR ARM*
NAENEL52 30 DayApr 20
45 DayMay 4
60 DayMay 19
5.250% (0.720) (0.657) (0.595)5.375% (0.970) (0.907) (0.845)5.500% (1.220) (1.157) (1.095)5.625% (1.470) (1.407) (1.345)5.750% (1.720) (1.657) (1.595)5.875% (1.970) (1.907) (1.845)6.000% (2.220) (2.157) (2.095)6.125% (2.470) (2.407) (2.345)6.250% (2.720) (2.657) (2.595)6.375% (2.970) (2.907) (2.845)6.500% (3.220) (3.157) (3.095)6.625% (3.470) (3.407) (3.345)
Max Net Rebate: 0.000 Margin: 4.000 Caps: 2.000/2.000/6.000Libor 1 Year: 0.92200
NAENEL7DC2: Portfolio Non-Agency Empire Premier 7/1 LIBOR ARM Debt Consolidation
Caliber Portfolio Homeowner Access 5/1 LIBOR ARM*
NAHOL5 30 DayApr 20
45 DayMay 4
60 DayMay 19
5.625% (0.205) (0.142) (0.080)5.750% (0.455) (0.392) (0.330)5.875% (0.705) (0.642) (0.580)6.000% (0.955) (0.892) (0.830)6.125% (1.205) (1.142) (1.080)6.250% (1.455) (1.392) (1.330)6.375% (1.705) (1.642) (1.580)6.500% (1.955) (1.892) (1.830)6.625% (2.205) (2.142) (2.080)6.750% (2.455) (2.392) (2.330)6.875% (2.705) (2.642) (2.580)7.000% (2.955) (2.892) (2.830)7.125% (3.205) (3.142) (3.080)7.250% (3.455) (3.392) (3.330)7.375% (3.705) (3.642) (3.580)7.500% (3.955) (3.892) (3.830)7.625% (4.205) (4.142) (4.080)7.750% (4.455) (4.392) (4.330)7.875% (4.705) (4.642) (4.580)8.000% (4.955) (4.892) (4.830)8.125% (5.205) (5.142) (5.080)
Max Net Rebate: 0.000 Margin: 4.000 Caps: 2.000/2.000/6.000Libor 1 Year: 0.92200
LTV 0-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 > 90LTV: Adjustments to PriceSecond Home 0.500 0.500 0.500 0.500 0.500 0.500 N/ACash Out (Except Debt Consolidation) 0.750 0.750 0.750 0.750 N/A N/A N/A2-4 units 0.250 0.250 0.250 0.250 0.250 0.250 N/AFICO: Adjustments to Price740+ FICO 0.000 0.000 0.000 0.500 1.000 2.000 N/A720-739 FICO 0.000 0.000 0.000 0.500 1.000 2.000 N/A700-719 FICO 0.000 0.000 0.000 0.500 1.000 2.000 N/A680-699 FICO 0.500 0.500 0.500 0.500 1.000 2.000 N/A660-679 FICO 1.000 1.000 1.000 1.250 2.000 3.000 N/A640-659 FICO 1.500 1.500 1.500 2.000 3.000 N/A N/A620-639 FICO 2.000 2.000 2.000 2.750 4.000 N/A N/A610-619 FICO 2.500 2.500 2.500 3.500 N/A N/A N/ALoan Amount: Adjustments to PriceTotal Loan Amount <= $149,999 0.500 0.500 0.500 0.500 0.500 0.500 N/ATotal Loan Amount $150,000 to $199,999 0.500 0.500 0.500 0.500 0.500 0.500 N/ATotal Loan Amount $200,000 to $349,999 0.250 0.250 0.250 0.250 0.250 0.250 N/ATotal Loan Amount $350,000 to $449,999 0.000 0.000 0.000 0.000 0.000 0.000 N/ATotal Loan Amount $450,000 to $599,999 0.000 0.000 0.000 0.000 0.000 0.000 N/ATotal Loan Amount $600,000 to $849,999 0.000 0.000 0.000 0.000 0.000 0.000 N/ATotal Loan Amount $850,000 to $999,999 0.000 0.000 0.000 0.000 0.000 0.000 N/ATotal Loan Amount >= $1,000,000 (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) N/ARefinance 0.000 0.000 0.000 0.000 0.000 0.000 N/ACondo 0.000 0.000 0.000 0.000 0.000 0.000 N/A
Caliber Portfolio Homeowner Access 30 Year Fixed*
NAHOF30 30 DayApr 20
45 DayMay 4
60 DayMay 19
6.000% (0.805) (0.742) (0.680)6.125% (1.055) (0.992) (0.930)6.250% (1.305) (1.242) (1.180)6.375% (1.555) (1.492) (1.430)6.500% (1.805) (1.742) (1.680)6.625% (2.055) (1.992) (1.930)6.750% (2.305) (2.242) (2.180)6.875% (2.555) (2.492) (2.430)7.000% (2.805) (2.742) (2.680)7.125% (3.055) (2.992) (2.930)7.250% (3.305) (3.242) (3.180)7.375% (3.555) (3.492) (3.430)7.500% (3.805) (3.742) (3.680)7.625% (4.055) (3.992) (3.930)7.750% (4.305) (4.242) (4.180)7.875% (4.555) (4.492) (4.430)8.000% (4.805) (4.742) (4.680)8.125% (5.055) (4.992) (4.930)8.250% (5.105) (5.105) (5.105)
Max Net Rebate: 0.000
This rate sheet is intended for use by mortgage professionals only. Prices, rates, and terms are subject to change without notice. Locking, Relocking, Lock Extensions, Program/Product change requests to the Price Desk must be submitted before 6:45 pm CT.
Effective Mar 20, 2020 4:35 PM CT - Page 16 of 20
Effective Mar 20, 2020 4:35 PM CT - Page 16 of 20
San Diego Wholesale - CL1 Rate Sheet A
Caliber Portfolio Homeowner Access
75 Day Lock = 60 Day Price – 6.25 bps
Broker Support: 888-H2O-7026www.caliberwholesale.com
*Additional Loan Products
NAHOA6F30: Portfolio Non-Agency Homeowner Access Texas (a)(6) Fixed 30 Year
NAHOF30DC: Portfolio Non-Agency Homeowner Access Fixed 30 Year Debt Consolidation
NAHOL5DC: Portfolio Non-Agency Homeowner Access 5/1 LIBOR ARM Debt Consolidation
Caliber Portfolio Homeowner Access 7/1 LIBOR ARM*
NAHOL7 30 DayApr 20
45 DayMay 4
60 DayMay 19
5.750% (0.455) (0.392) (0.330)5.875% (0.705) (0.642) (0.580)6.000% (0.955) (0.892) (0.830)6.125% (1.205) (1.142) (1.080)6.250% (1.455) (1.392) (1.330)6.375% (1.705) (1.642) (1.580)6.500% (1.955) (1.892) (1.830)6.625% (2.205) (2.142) (2.080)6.750% (2.455) (2.392) (2.330)6.875% (2.705) (2.642) (2.580)7.000% (2.955) (2.892) (2.830)7.125% (3.205) (3.142) (3.080)7.250% (3.455) (3.392) (3.330)7.375% (3.705) (3.642) (3.580)7.500% (3.955) (3.892) (3.830)7.625% (4.205) (4.142) (4.080)7.750% (4.455) (4.392) (4.330)7.875% (4.705) (4.642) (4.580)8.000% (4.955) (4.892) (4.830)8.125% (5.205) (5.142) (5.080)8.250% (5.255) (5.255) (5.255)
Max Net Rebate: 0.000 Margin: 4.000 Caps: 2.000/2.000/6.000Libor 1 Year: 0.92200
NAHOL7DC: Portfolio Non-Agency Homeowner Access 7/1 LIBOR ARM Debt Consolidation
Caliber Portfolio Fresh Start 5/1 LIBOR ARM*
NAFSL5 30 DayApr 20
45 DayMay 4
60 DayMay 19
7.000% 0.045 0.108 0.1707.125% (0.205) (0.142) (0.080)7.250% (0.455) (0.392) (0.330)7.375% (0.705) (0.642) (0.580)7.500% (0.955) (0.892) (0.830)7.625% (1.205) (1.142) (1.080)7.750% (1.455) (1.392) (1.330)7.875% (1.705) (1.642) (1.580)8.000% (1.955) (1.892) (1.830)8.125% (2.205) (2.142) (2.080)8.250% (2.455) (2.392) (2.330)8.375% (2.705) (2.642) (2.580)8.500% (2.955) (2.892) (2.830)8.625% (3.205) (3.142) (3.080)8.750% (3.455) (3.392) (3.330)8.875% (3.705) (3.642) (3.580)9.000% (3.955) (3.892) (3.830)9.125% (4.205) (4.142) (4.080)9.250% (4.455) (4.392) (4.330)9.375% (4.505) (4.505) (4.505)9.500% (4.505) (4.505) (4.505)
Max Net Rebate: 0.000 Margin: 4.000 Caps: 2.000/2.000/6.000Libor 1 Year: 0.92200
LTV 0-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 > 90LTV: Adjustments to PriceSecond Home 0.500 0.500 0.500 0.500 0.500 N/A N/ACash Out (Except Debt Consolidation) 0.750 0.750 0.750 0.750 N/A N/A N/A2-4 units 0.250 0.250 0.250 0.250 0.250 N/A N/AFICO: Adjustments to Price740+ FICO 0.000 0.250 0.500 1.000 1.500 N/A N/A720-739 FICO 0.000 0.250 0.500 1.000 1.500 N/A N/A700-719 FICO 0.000 0.250 0.500 1.000 1.500 N/A N/A680-699 FICO 1.000 1.000 1.000 1.000 1.500 N/A N/A660-679 FICO 1.500 1.500 1.500 1.750 2.500 N/A N/A640-659 FICO 2.000 2.000 2.000 2.500 3.000 N/A N/A620-639 FICO 2.500 2.500 2.500 2.750 3.500 N/A N/A600-619 FICO 3.000 3.000 3.000 3.250 3.750 N/A N/A580-599 FICO 3.500 3.500 3.500 3.750 4.000 N/A N/ALoan Amount: Adjustments to PriceTotal Loan Amount <= $199,999 0.500 0.500 0.500 0.500 0.500 N/A N/ATotal Loan Amount $200,000 to $349,999 0.250 0.250 0.250 0.250 0.250 N/A N/ATotal Loan Amount $350,000 to $449,999 0.000 0.000 0.000 0.000 0.000 N/A N/ATotal Loan Amount $450,000 to $599,999 0.000 0.000 0.000 0.000 0.000 N/A N/ATotal Loan Amount $600,000 to $849,999 0.000 0.000 0.000 0.000 0.000 N/A N/ATotal Loan Amount >= $850,000 (0.125) (0.125) (0.125) (0.125) (0.125) N/A N/ARefinance 0.000 0.000 0.000 0.000 0.000 N/A N/ACondo 0.000 0.000 0.000 0.000 0.000 N/A N/A
This rate sheet is intended for use by mortgage professionals only. Prices, rates, and terms are subject to change without notice. Locking, Relocking, Lock Extensions, Program/Product change requests to the Price Desk must be submitted before 6:45 pm CT.
Effective Mar 20, 2020 4:35 PM CT - Page 17 of 20
Effective Mar 20, 2020 4:35 PM CT - Page 17 of 20
San Diego Wholesale - CL1 Rate Sheet A
Caliber Portfolio Fresh Start
75 Day Lock = 60 Day Price – 6.25 bps
Broker Support: 888-H2O-7026www.caliberwholesale.com
Caliber Portfolio Fresh Start Fixed 30*
NAFSF30 30 DayApr 20
45 DayMay 4
60 DayMay 19
7.000% 0.170 0.233 0.2957.125% (0.080) (0.017) 0.0457.250% (0.330) (0.267) (0.205)7.375% (0.580) (0.517) (0.455)7.500% (0.830) (0.767) (0.705)7.625% (1.080) (1.017) (0.955)7.750% (1.330) (1.267) (1.205)7.875% (1.580) (1.517) (1.455)8.000% (1.830) (1.767) (1.705)8.125% (2.080) (2.017) (1.955)8.250% (2.330) (2.267) (2.205)8.375% (2.580) (2.517) (2.455)8.500% (2.830) (2.767) (2.705)8.625% (3.080) (3.017) (2.955)8.750% (3.330) (3.267) (3.205)8.875% (3.580) (3.517) (3.455)9.000% (3.830) (3.767) (3.705)9.125% (4.080) (4.017) (3.955)9.250% (4.330) (4.267) (4.205)9.375% (4.380) (4.380) (4.380)9.500% (4.380) (4.380) (4.380)9.625% (4.380) (4.380) (4.380)
Max Net Rebate: 0.000
*Additional Loan Products
NAFSA6F30: Portfolio Non-Agency Fresh Start Texas (a)(6) Fixed 30 Year
NAFSF30DC: Portfolio Non-Agency Fresh Start Fixed 30 Year Debt Consolidation
NAFSL5DC: Portfolio Non-Agency Fresh Start 5/1 LIBOR ARM Debt Consolidation
Caliber Portfolio Fresh Start 7/1 LIBOR ARM*
NAFSL7 30 DayApr 20
45 DayMay 4
60 DayMay 19
7.000% 0.045 0.108 0.1707.125% (0.205) (0.142) (0.080)7.250% (0.455) (0.392) (0.330)7.375% (0.705) (0.642) (0.580)7.500% (0.955) (0.892) (0.830)7.625% (1.205) (1.142) (1.080)7.750% (1.455) (1.392) (1.330)7.875% (1.705) (1.642) (1.580)8.000% (1.955) (1.892) (1.830)8.125% (2.205) (2.142) (2.080)8.250% (2.455) (2.392) (2.330)8.375% (2.705) (2.642) (2.580)8.500% (2.955) (2.892) (2.830)8.625% (3.205) (3.142) (3.080)8.750% (3.455) (3.392) (3.330)8.875% (3.705) (3.642) (3.580)9.000% (3.955) (3.892) (3.830)9.125% (4.205) (4.142) (4.080)9.250% (4.455) (4.392) (4.330)9.375% (4.505) (4.505) (4.505)9.500% (4.505) (4.505) (4.505)9.625% (4.505) (4.505) (4.505)
Max Net Rebate: 0.000 Margin: 4.000 Caps: 2.000/2.000/6.000Libor 1 Year: 0.92200
NAFSL7DC: Portfolio Non-Agency Fresh Start 7/1 LIBOR ARM Debt Consolidation
Caliber Portfolio Investment Property 5/1 LIBOR ARM
NAINVL5 30 DayApr 20
45 DayMay 4
60 DayMay 19
5.500% 0.195 0.258 0.3205.625% (0.180) (0.117) (0.055)5.750% (0.555) (0.492) (0.430)5.875% (0.805) (0.742) (0.680)6.000% (1.055) (0.992) (0.930)6.125% (1.305) (1.242) (1.180)6.250% (1.555) (1.492) (1.430)6.375% (1.805) (1.742) (1.680)6.500% (2.055) (1.992) (1.930)6.625% (2.305) (2.242) (2.180)6.750% (2.555) (2.492) (2.430)6.875% (2.805) (2.742) (2.680)7.000% (3.055) (2.992) (2.930)7.125% (3.305) (3.242) (3.180)7.250% (3.555) (3.492) (3.430)7.375% (3.805) (3.742) (3.680)7.500% (4.055) (3.992) (3.930)7.625% (4.305) (4.242) (4.180)7.750% (4.555) (4.492) (4.430)7.875% (4.805) (4.742) (4.680)8.000% (5.055) (4.992) (4.930)
Max Net Rebate: 0.000 Margin: 4.000 Caps: 2.000/2.000/6.000Libor 1 Year: 0.92200
LTV 0-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 > 90LTV: Adjustments to PriceCash Out (Except Debt Consolidation) 0.750 0.750 0.750 0.750 N/A N/A N/A2-4 units 0.250 0.250 0.250 0.250 0.250 N/A N/ATotal Loan Amount $1,000,000-$1,500,000 0.250 0.250 0.250 0.250 0.250 N/A N/ATotal Loan Amount >$1,500,000 0.500 0.500 0.500 N/A N/A N/A N/AFICO: Adjustments to Price740+ FICO 0.000 0.250 0.500 0.750 1.750 N/A N/A720-739 FICO 0.000 0.250 0.500 0.750 1.750 N/A N/A700-719 FICO 0.250 0.500 0.750 1.000 2.000 N/A N/A680-699 FICO 0.750 1.000 1.250 1.500 2.500 N/A N/A660-679 FICO 1.000 1.250 1.500 1.750 2.750 N/A N/A640-659 FICO 1.250 1.500 1.750 2.000 N/A N/A N/A620-639 FICO 2.250 2.500 2.750 3.000 N/A N/A N/ALoan Amount: Adjustments to PriceTotal Loan Amount < $149,999 0.500 0.500 0.500 0.500 0.500 N/A N/ATotal Loan Amount $150,000 to $199,999 0.500 0.500 0.500 0.500 0.500 N/A N/ATotal Loan Amount $200,000 to $349,999 0.250 0.250 0.250 0.250 0.250 N/A N/ATotal Loan Amount $350,000 to $449,999 0.000 0.000 0.000 0.000 0.000 N/A N/ATotal Loan Amount $450,000 to $599,999 0.000 0.000 0.000 0.000 0.000 N/A N/ATotal Loan Amount $600,000 to $849,999 0.000 0.000 0.000 0.000 0.000 N/A N/ATotal Loan Amount $850,000 to $999,999 0.000 0.000 0.000 0.000 0.000 N/A N/ATotal Loan Amount >= $1,000,000 (0.125) (0.125) (0.125) (0.125) (0.125) N/A N/ACondo 0.000 0.000 0.000 0.000 0.000 N/A N/ARefinance 0.000 0.000 0.000 0.000 0.000 N/A N/A
This rate sheet is intended for use by mortgage professionals only. Prices, rates, and terms are subject to change without notice. Locking, Relocking, Lock Extensions, Program/Product change requests to the Price Desk must be submitted before 6:45 pm CT.
Effective Mar 20, 2020 4:35 PM CT - Page 18 of 20
Effective Mar 20, 2020 4:35 PM CT - Page 18 of 20
San Diego Wholesale - CL1 Rate Sheet A
Caliber Portfolio Investment Property
75 Day Lock = 60 Day Price – 6.25 bps
Broker Support: 888-H2O-7026www.caliberwholesale.com
Caliber Portfolio Investment Property 30 Year Fixed
NAINVF30 30 DayApr 20
45 DayMay 4
60 DayMay 19
6.750% (2.430) (2.367) (2.305)6.875% (2.680) (2.617) (2.555)7.000% (2.930) (2.867) (2.805)7.125% (3.180) (3.117) (3.055)7.250% (3.430) (3.367) (3.305)7.375% (3.680) (3.617) (3.555)7.500% (3.930) (3.867) (3.805)7.625% (4.180) (4.117) (4.055)7.750% (4.430) (4.367) (4.305)7.875% (4.680) (4.617) (4.555)8.000% (4.930) (4.867) (4.805)8.125% (5.180) (5.117) (5.055)8.250% (5.430) (5.367) (5.305)8.375% (5.680) (5.617) (5.555)
Max Net Rebate: 0.000
Caliber Portfolio Investment Property 7/1 LIBOR ARM
NAINVL7 30 DayApr 20
45 DayMay 4
60 DayMay 19
6.500% (2.055) (1.992) (1.930)6.625% (2.305) (2.242) (2.180)6.750% (2.555) (2.492) (2.430)6.875% (2.805) (2.742) (2.680)7.000% (3.055) (2.992) (2.930)7.125% (3.305) (3.242) (3.180)7.250% (3.555) (3.492) (3.430)7.375% (3.805) (3.742) (3.680)7.500% (4.055) (3.992) (3.930)7.625% (4.305) (4.242) (4.180)7.750% (4.555) (4.492) (4.430)7.875% (4.805) (4.742) (4.680)8.000% (5.055) (4.992) (4.930)8.125% (5.305) (5.242) (5.180)
Max Net Rebate: 0.000 Margin: 4.000 Caps: 2.000/2.000/6.000
Libor 1 Year: 0.92200
Caliber Portfolio Professional Elite 30 Year Fixed*
NAEPF30 30 DayApr 20
45 DayMay 4
60 DayMay 19
6.000% (2.080) (2.017) (1.955)6.125% (2.330) (2.267) (2.205)6.250% (2.580) (2.517) (2.455)6.375% (2.830) (2.767) (2.705)6.500% (3.080) (3.017) (2.955)6.625% (3.330) (3.267) (3.205)6.750% (3.580) (3.517) (3.455)6.875% (3.830) (3.767) (3.705)7.000% (4.080) (4.017) (3.955)7.125% (4.330) (4.267) (4.205)7.250% (4.580) (4.517) (4.455)7.375% (4.830) (4.767) (4.705)7.500% (5.080) (5.017) (4.955)7.625% (5.330) (5.267) (5.205)7.750% (5.580) (5.517) (5.455)7.875% (5.830) (5.767) (5.705)8.000% (6.080) (6.017) (5.955)8.125% (6.330) (6.267) (6.205)
Max Net Rebate: 0.000
LTV 0-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 > 90
Adjustments to PriceSecond Home 0.500 0.500 0.500 0.500 N/A N/A N/A2 Unit Property 0.250 0.250 0.250 0.250 0.250 N/A N/ACash out N/A N/A N/A N/A N/A N/A N/A
FICO: Adjustment to Price740+ FICO 0.000 0.500 0.750 1.500 1.750 N/A N/A720-739 FICO 0.500 0.750 1.000 1.750 N/A N/A N/A700-719 FICO 0.750 1.000 N/A N/A N/A N/A N/A
Loan Amount: Adjustments to PriceTotal Loan Amount < $199,999 0.500 0.500 0.500 0.500 0.500 N/A N/ATotal Loan Amount $200,000 to $299,999 0.250 0.250 0.250 0.250 0.250 N/A N/ATotal Loan Amount $1,000,000 to $1,999,999 (0.125) (0.125) (0.125) (0.125) (0.125) N/A N/ATotal Loan Amount >= $2,000,000 (0.250) (0.250) (0.250) (0.250) (0.250) N/A N/A
This rate sheet is intended for use by mortgage professionals only. Prices, rates, and terms are subject to change without notice. Locking, Relocking, Lock Extensions, Program/Product change requests to the Price Desk must be submitted before 6:45 pm CT.
Effective Mar 20, 2020 4:35 PM CT - Page 19 of 20
Effective Mar 20, 2020 4:35 PM CT - Page 19 of 20
San Diego Wholesale - CL1 Rate Sheet A
Caliber Portfolio Professional Elite
75 Day Lock = 60 Day Price – 6.25 bps
Broker Support: 888-H2O-7026www.caliberwholesale.com
*Additional Loan Products
NAEPF30DC: Portfolio Non-Agency Professional Elite Fixed 30 Year Debt Consolidation
NAEPL5DC: Portfolio Non-Agency Professional Elite 5/1 LIBOR ARM Debt Consolidation
Caliber Portfolio Professional Elite 5/1 LIBOR ARM*
NAEPL5 30 DayApr 20
45 DayMay 4
60 DayMay 19
5.875% (1.705) (1.642) (1.580)6.000% (1.955) (1.892) (1.830)6.125% (2.205) (2.142) (2.080)6.250% (2.455) (2.392) (2.330)6.375% (2.705) (2.642) (2.580)6.500% (2.955) (2.892) (2.830)6.625% (3.205) (3.142) (3.080)6.750% (3.455) (3.392) (3.330)6.875% (3.705) (3.642) (3.580)7.000% (3.955) (3.892) (3.830)7.125% (4.205) (4.142) (4.080)7.250% (4.455) (4.392) (4.330)7.375% (4.705) (4.642) (4.580)7.500% (4.955) (4.892) (4.830)7.625% (5.205) (5.142) (5.080)7.750% (5.455) (5.392) (5.330)7.875% (5.705) (5.642) (5.580)8.000% (5.955) (5.892) (5.830)
Max Net Rebate: 0.000 Margin: 4.000 Caps: 2.000/2.000/6.000Libor 1 Year: 0.92200
Caliber Portfolio Investor Access 30 Year Fixed*
NAJIAF30 30 DayApr 20
45 DayMay 4
60 DayMay 19
6.375% (1.330) (1.267) (1.205)6.500% (1.580) (1.517) (1.455)6.625% (1.830) (1.767) (1.705)6.750% (2.080) (2.017) (1.955)6.875% (2.330) (2.267) (2.205)7.000% (2.580) (2.517) (2.455)7.125% (2.830) (2.767) (2.705)7.250% (3.080) (3.017) (2.955)7.375% (3.330) (3.267) (3.205)7.500% (3.580) (3.517) (3.455)7.625% (3.830) (3.767) (3.705)7.750% (4.080) (4.017) (3.955)7.875% (4.330) (4.267) (4.205)8.000% (4.580) (4.517) (4.455)8.125% (4.830) (4.767) (4.705)8.250% (5.080) (5.017) (4.955)
Max Net Rebate: 0.000
LTV 0-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 > 90
FICO: Adjustment to Price740+ FICO 0.000 0.500 1.000 1.750 N/A N/A N/A720-739 FICO 0.000 0.750 1.000 1.750 N/A N/A N/A
Loan Amount: Adjustments to PriceTotal Loan Amount <$199,999 0.500 0.500 0.500 0.500 N/A N/A N/ATotal Loan Amount $200,000 to $299,999 0.250 0.250 0.250 0.250 N/A N/A N/A
This rate sheet is intended for use by mortgage professionals only. Prices, rates, and terms are subject to change without notice. Locking, Relocking, Lock Extensions, Program/Product change requests to the Price Desk must be submitted before 6:45 pm CT.
Effective Mar 20, 2020 4:35 PM CT - Page 20 of 20
Effective Mar 20, 2020 4:35 PM CT - Page 20 of 20
San Diego Wholesale - CL1 Rate Sheet A
Caliber Portfolio Investor Access
75 Day Lock = 60 Day Price – 6.25 bps
Broker Support: 888-H2O-7026www.caliberwholesale.com
Caliber Portfolio Investor Access 5/1 LIBOR ARM*
NAJIAL5 30 DayApr 20
45 DayMay 4
60 DayMay 19
6.000% (0.955) (0.892) (0.830)6.125% (1.205) (1.142) (1.080)6.250% (1.455) (1.392) (1.330)6.375% (1.705) (1.642) (1.580)6.500% (1.955) (1.892) (1.830)6.625% (2.205) (2.142) (2.080)6.750% (2.455) (2.392) (2.330)6.875% (2.705) (2.642) (2.580)7.000% (2.955) (2.892) (2.830)7.125% (3.205) (3.142) (3.080)7.250% (3.455) (3.392) (3.330)7.375% (3.705) (3.642) (3.580)7.500% (3.955) (3.892) (3.830)7.625% (4.205) (4.142) (4.080)7.750% (4.455) (4.392) (4.330)7.875% (4.705) (4.642) (4.580)
Max Net Rebate: 0.000 Margin: 4.000 Caps: 2.000/2.000/6.000Libor 1 Year: 0.92200
Caliber Portfolio Investor Access Expanded States 30 Year Fixed
NAJIANPF30 30 DayApr 20
45 DayMay 4
60 DayMay 19
7.375% (1.330) (1.267) (1.205)7.500% (1.580) (1.517) (1.455)7.625% (1.830) (1.767) (1.705)7.750% (2.080) (2.017) (1.955)7.875% (2.330) (2.267) (2.205)8.000% (2.580) (2.517) (2.455)8.125% (2.830) (2.767) (2.705)8.250% (3.080) (3.017) (2.955)8.375% (3.330) (3.267) (3.205)8.500% (3.580) (3.517) (3.455)8.625% (3.830) (3.767) (3.705)8.750% (4.080) (4.017) (3.955)8.875% (4.330) (4.267) (4.205)9.000% (4.580) (4.517) (4.455)9.125% (4.830) (4.767) (4.705)9.250% (5.080) (5.017) (4.955)
Max Net Rebate: 0.000
Caliber Portfolio Investor Access Expanded States 5/1 LIBOR ARM
NAJIANPL5 30 DayApr 20
45 DayMay 4
60 DayMay 19
7.375% (1.705) (1.642) (1.580)7.500% (1.955) (1.892) (1.830)7.625% (2.205) (2.142) (2.080)7.750% (2.455) (2.392) (2.330)7.875% (2.705) (2.642) (2.580)8.000% (2.955) (2.892) (2.830)8.125% (3.205) (3.142) (3.080)8.250% (3.455) (3.392) (3.330)8.375% (3.705) (3.642) (3.580)8.500% (3.955) (3.892) (3.830)8.625% (4.205) (4.142) (4.080)8.750% (4.455) (4.392) (4.330)8.875% (4.705) (4.642) (4.580)9.000% (4.955) (4.892) (4.830)9.125% (5.205) (5.142) (5.080)9.250% (5.455) (5.392) (5.330)
Max Net Rebate: 0.000 Margin: 4.000 Caps: 2.000/2.000/6.000Libor 1 Year: 0.92200