Today's Pricing · 2020-06-19 · FHA - #28095-0013-7 | VA - #902380-00-00 Turn Times1 (SLAs):...
Transcript of Today's Pricing · 2020-06-19 · FHA - #28095-0013-7 | VA - #902380-00-00 Turn Times1 (SLAs):...
Effective Date: 8/7/2020
Effective Time: 6:51 AM PT
Lock Desk(833) 769-3710 (open 7am to 5pm* PT)
www.PennyMacBrokerDirect.com
*Lock in the POWER portal until midnight (pacific)
Initial Disclosures 1 day
Underwriting 8-9 days
Condition Review 1-2 days
Closing Documents 4 days
Other Important Details
PRICING ADJUSTMENTS FEES2
Lock Extensions1 Cost Admin Fee Conf/Govt $895
1 Day 0.035 Admin Fee Streamline/IRRRL $595
2 Days 0.060 Flood Cert $7
3 Days 0.080 Tax Service (if applicable) $74
4 Days 0.090 2Actual Fee name may differ by state
5+ Days (per day) 0.020 LOCK EXPIRATIONS3
Relock Term Cost 30 day 9/8/2020
15 Days 0.360 45 day 9/21/2020
30 Days 0.660 60 day 10/6/2020
3Dates are indications only
MAILING ADDRESSES
Mortgage Loss Payee Clause: Closing Protection Letter:
PennyMac Loan Services, LLC PennyMac Loan Services, LLC
Its Successors and/or Assigns 3043 Townsgate Rd., Suite 200
P.O. Box 6618 - Springfield, OH 45501-6618 Westlake Village, CA 91361
Document Receipt after 5 PM ET will be considered received the
following business day | 1Times are in business days. Multiple
transactions per borrower may require additional time. Due to
additional Covid related GSE requirements, allow an
additional 2 business days for UW on self-employed.
Equal Housing Opportunity © 2008-2019 PennyMac Loan Services, LLC, 3043 Townsgate Rd, Suite 200, Westlake Village, CA 91361, 818-224-7442. NMLS ID # 35953
(www.nmlsconsumeraccess.org). Trade/service marks are the property of PennyMac Loan Services, LLC and/or its subsidiaries or affiliates. Arizona Mortgage Banker License # 0911088.
California: Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act; Loans made or arranged pursuant to a California Financing Law
license. Colorado: Regulated by the Division of Real Estate. Georgia Residential Mortgage Licensee #33027. Illinois Residential Mortgage Licensee # MB.6760595. Massachusetts
Mortgage Lender License # ML35953. Minnesota: This is not an offer to enter into an agreement and an offer may only be made pursuant to Minn. Stat. §47.206 (3) & (4). Licensed by
the N.J. Department of Banking and Insurance. Rhode Island Lender License # 20092600LL. Washington Consumer Loan License # CL-35953. Loans not available in New York. For more
information, please review www.pennymacbrokerdirect.com/state-licenses. Information is intended solely for mortgage bankers, mortgage brokers, and financial institutions. Not
intended for distribution to consumers, as defined by Section 1026.2 of Regulation Z. Some products may not be available in all states. Information, rates and pricing are subject to
change without prior notice at the sole discretion of PennyMac Loan Services, LLC. All loan programs subject to borrowers meeting appropriate underwriting conditions. This is not a
commitment to lend. Other restrictions apply. All rights reserved.
11-4 day extensions only available
after final approval
Chris Legg | SVP, Sales
Scott Houp | SVP, Sales
Bruce Goldberg | FVP, Sales
Jason Holmberg | VP, Sales
SENIOR SALES LEADERSHIP
LENDER/SPONSOR ID
FHA - #28095-0013-7 | VA - #902380-00-00
Turn Times1 (SLAs): Purchase Refinance
1 day
3-4 days
1-2 days
2 days
Today's Pricing
IMPORTANT UPDATE: Lock hours have been extended!
Now you can lock loans until midnight (pacific).
POWER to be Perfect:
PERFECT RATEDon’t get stuck selling rates at the eighths! With Perfect Rate, you can fine tune rates down to the thousandth* for your customers on fixed-rate loans! .321%, .917%, .888%
Sure!
Call your AE or MSM today for more details!
*May not be available for some note rates on Govt. loans.
Lock Desk(833) 769-3710 (open 7am to 5pm PT)
Effective Date: www.PennyMacBrokerDirect.com
Rates subject to change without notice
Products At-A-Glance Indicative Rates
Conforming Fixed Max Net Rebate SB: -4.50 | HB: -4.50
Conf 21-30 > 250K Conf 21-30 HB Conf 11-15 > 250K Conf 11-15 HBRate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day
2.250 0.184 0.753 0.465 0.718 2.250 1.335 1.905 1.617 1.907 1.750 0.947 1.360 1.098 1.158 1.750 2.301 2.812 2.490 2.716
2.375 -0.596 -0.033 -0.323 -0.078 2.375 0.513 1.076 0.786 1.069 1.875 0.339 0.766 0.507 0.564 1.875 1.665 2.176 1.856 2.082
2.500 -1.331 -0.778 -1.072 -0.836 2.500 -0.314 0.238 -0.056 0.218 1.999 -0.270 0.197 -0.080 -0.003 1.999 1.062 1.571 1.252 1.476
2.625 -1.587 -1.048 -1.347 -1.124 2.625 -0.956 -0.417 -0.716 -0.455 2.000 -0.270 0.191 -0.080 -0.010 2.000 1.062 1.571 1.252 1.476
2.750 -1.563 -1.029 -1.329 -1.116 2.750 -1.395 -0.851 -1.164 -0.947 2.125 -0.728 -0.222 -0.541 -0.394 2.125 0.511 1.018 0.698 0.921
2.875 -2.051 -1.528 -1.832 -1.631 2.875 -1.814 -1.283 -1.591 -1.383 2.250 -1.251 -0.749 -1.069 -0.902 2.250 -1.064 -0.562 -0.883 -0.716
2.999 -2.328 -1.818 -2.126 -1.936 2.999 -2.110 -1.581 -1.897 -1.697 2.375 -1.560 -1.063 -1.385 -1.221 2.375 -1.414 -0.918 -1.239 -1.076
3.000 -2.334 -1.824 -2.132 -1.941 3.000 -2.085 -1.570 -1.878 -1.671 2.500 -2.037 -1.542 -1.863 -1.701 2.500 -1.883 -1.388 -1.709 -1.547
3.124 -2.560 -2.060 -2.371 -2.191 3.124 -2.288 -1.768 -2.084 -1.891 2.625 -2.241 -1.754 -2.076 -1.953 2.625 -2.080 -1.592 -1.915 -1.791
3.125 -2.566 -2.065 -2.377 -2.196 3.125 -2.278 -1.774 -2.085 -1.888 2.749 -2.516 -2.034 -2.357 -2.236 2.749 -2.299 -1.817 -2.141 -2.019
3.250 -2.815 -2.316 -2.627 -2.432 3.250 -2.373 -1.872 -2.187 -1.987 2.750 -2.522 -2.038 -2.362 -2.240 2.750 -2.304 -1.821 -2.145 -2.023
3.374 -3.164 -2.689 -3.009 -2.831 3.374 -2.784 -2.297 -2.618 -2.430 2.874 -2.787 -2.310 -2.635 -2.517 2.874 -2.566 -2.090 -2.415 -2.297
3.375 -3.169 -2.694 -3.014 -2.836 3.375 -2.777 -2.290 -2.611 -2.423 2.875 -2.792 -2.315 -2.639 -2.522 2.875 -2.571 -2.094 -2.419 -2.301
3.499 -3.300 -2.838 -3.163 -2.993 3.499 -3.090 -2.612 -2.936 -2.753 2.999 -2.963 -2.493 -2.820 -2.704 2.999 -2.900 -2.431 -2.758 -2.642
3.500 -3.305 -2.843 -3.169 -2.998 3.500 -3.079 -2.601 -2.924 -2.742 3.000 -2.968 -2.498 -2.824 -2.708 3.000 -2.906 -2.435 -2.761 -2.646
3.625 -3.519 -3.048 -3.368 -3.198 3.625 -3.264 -2.780 -3.100 -2.918 3.125 -2.818 -2.382 -2.723 -2.610 3.125 -2.584 -2.148 -2.489 -2.377
3.749 -3.004 -2.519 -2.831 -2.689 3.749 -2.483 -1.983 -2.288 -2.095 3.249 -3.044 -2.577 -2.918 -2.808 3.249 -2.830 -2.363 -2.704 -2.594
3.750 -2.998 -2.514 -2.825 -2.684 3.750 -2.381 -1.893 -2.205 -2.032 3.250 -3.022 -2.556 -2.896 -2.786 3.250 -2.808 -2.342 -2.682 -2.572
3.874 -3.249 -2.756 -3.064 -2.925 3.874 -2.657 -2.142 -2.450 -2.280 3.375 -3.279 -2.847 -3.187 -3.077 3.375 -3.050 -1.881 -2.220 -2.076
3.875 -3.254 -2.735 -3.043 -2.904 3.875 -2.654 -2.139 -2.435 -2.260 3.499 -3.377 -2.909 -3.248 -3.139 3.499 -3.213 -2.785 -2.396 -2.252
3.999 -3.534 -3.033 -3.340 -3.202 3.999 -1.649 -2.280 -2.577 -2.385 3.500 -3.346 -2.890 -3.231 -3.122 3.500 -3.217 -2.040 -2.380 -2.236
4.000 -3.539 -3.017 -3.308 -3.150 4.000 -1.622 -1.127 -1.432 -2.355 3.625 -2.656 -2.249 -2.598 -2.506 3.625 -1.262 -0.814 -1.247 -1.061
4.125 -3.381 -2.889 -3.196 -3.058 4.125 -1.964 -2.592 -2.889 -1.548
4.250 -2.604 -2.166 -2.494 -2.396 4.250 -0.897 -0.633 -0.934 -0.918
4.375 -2.796 -2.361 -2.689 -2.538 4.375 -1.113 -0.845 -1.143 -1.126
HomeReady Max Net Rebate SB: -4.50 | HB: -4.50 Conforming ARM Max Net Rebate SB: -3.50 | Margin 2.50%
HomeReady 30 > 250K HomeReady 30 HB Conf 7/1 Caps: (2/2/5) Conf 5/1 Caps: (5/2/5)
Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day
2.250 1.677 2.222 1.868 2.071 2.250 2.791 3.336 2.983 3.219 2.500 19.570 20.158 19.808 20.031 2.500 19.509 20.097 19.747 19.969
2.375 0.921 1.470 1.120 1.320 2.375 2.082 2.632 2.282 2.516 2.625 19.234 19.828 19.483 19.710 2.625 19.173 19.767 19.422 19.649
2.500 0.120 0.674 0.327 0.524 2.500 1.272 1.826 1.480 1.711 2.750 18.966 19.565 19.225 19.458 2.750 18.996 19.594 19.255 19.487
2.625 -0.519 0.040 -0.303 -0.109 2.625 0.328 0.887 0.544 0.773 2.875 18.708 19.312 18.977 19.215 2.875 18.839 19.443 19.109 19.346
2.750 -1.183 -0.620 -0.959 -0.768 2.750 -0.294 0.269 -0.070 0.156 3.000 18.449 19.058 18.729 18.972 3.000 18.701 19.310 18.981 19.224
2.875 -1.653 -1.085 -1.421 -1.233 2.875 -0.669 -0.102 -0.438 -0.215 3.125 18.393 19.007 18.683 18.931 3.125 18.781 19.395 19.071 19.319
2.999 -2.090 -1.520 -1.854 -1.667 2.999 -1.024 -0.454 -0.789 -0.567 3.250 18.139 18.758 18.440 18.693 3.250 18.718 19.338 19.019 19.272
3.000 -1.976 -1.406 -1.741 -1.553 3.000 -0.930 -0.360 -0.694 -0.473 3.375 17.931 18.556 18.243 18.501 3.375 18.712 19.336 19.023 19.281
3.124 -2.355 -1.785 -2.119 -1.932 3.124 -1.168 -0.598 -0.932 -1.226 3.500 17.978 18.608 18.300 18.563 3.500 18.820 19.450 19.142 19.405
3.125 -2.306 -1.736 -2.071 -1.883 3.125 -1.600 -1.076 -1.406 -1.231 3.625 18.069 18.704 18.401 18.670 3.625 18.956 19.591 19.288 19.557
3.250 -2.552 -2.044 -2.370 -2.218 3.250 -1.829 -1.321 -1.647 -1.476 3.750 17.949 18.589 18.291 18.565 3.750 18.855 19.496 19.198 19.472
3.374 -2.881 -2.368 -2.691 -2.542 3.374 -2.206 -1.694 -2.016 -1.848 3.875 17.946 18.591 18.299 18.578 3.875 18.820 19.465 19.172 19.452
3.375 -2.846 -2.333 -2.655 -2.506 3.375 -2.173 -1.660 -1.982 -1.814 4.000 17.863 18.514 18.227 18.511 4.000 18.682 19.333 19.045 19.330
3.499 -3.097 -2.582 -2.902 -2.755 3.499 -2.537 -2.022 -2.342 -2.176
3.500 -3.045 -2.530 -2.850 -2.703 3.500 -2.489 -1.974 -2.295 -2.128
3.625 -3.293 -2.778 -3.098 -2.951 3.625 -2.658 -2.142 -2.463 -2.296
3.749 -2.894 -2.409 -2.721 -2.579 3.749 -1.953 -1.468 -1.780 -1.607
3.750 -2.888 -2.404 -2.715 -2.574 3.750 -1.948 -1.463 -1.775 -1.602
3.874 -3.135 -2.646 -2.954 -2.815 3.874 -2.201 -1.711 -2.020 -1.850
3.875 -3.114 -2.625 -2.933 -2.794 3.875 -2.181 -1.692 -2.000 -1.830
3.999 -3.415 -2.923 -3.230 -3.092 3.999 -2.308 -1.817 -2.123 -1.955
4.000 -3.362 -2.871 -3.177 -3.040 4.000 -2.278 -1.786 -2.093 -1.925
4.125 -3.271 -2.779 -3.086 -2.948 4.125 -2.684 -2.193 -2.499 -1.178
4.250 -2.151 -1.909 -2.206 -2.286 4.250 -0.489 -0.247 -0.545 -0.548
4.375 -2.298 -2.051 -2.346 -2.428 4.375 -0.642 -0.395 -0.689 -0.696
Government Fixed Max Net Rebate SB: -5.00 | HB: -4.50
FHA 16-30 > 250K FHA 16-30 HB VA 16-30 > 250K VA 16-30 HBRate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day
2.250 1.213 1.328 1.409 1.592 2.250 0.553 0.668 0.749 0.979 2.250 0.243 0.358 0.439 0.622 2.250 1.914 2.029 2.110 2.340
2.375 0.695 0.809 0.890 1.074 2.375 0.133 0.248 0.329 0.559 2.375 -0.199 -0.084 -0.003 0.180 2.375 1.602 1.716 1.797 2.027
2.500 0.237 0.352 0.433 0.616 2.500 -0.186 -0.071 0.010 0.240 2.500 -0.540 -0.426 -0.345 -0.162 2.500 1.396 1.511 1.592 1.822
2.625 -0.140 -0.025 0.056 0.239 2.625 -0.386 -0.271 -0.190 0.040 2.625 -0.739 -0.625 -0.544 -0.361 2.625 0.955 1.070 1.151 1.381
2.750 -0.452 -0.317 -0.267 -0.053 2.750 -0.531 -0.396 -0.345 -0.096 2.750 -1.006 -0.870 -0.820 -0.606 2.750 0.095 0.231 0.281 0.530
2.875 -1.005 -0.869 -0.819 -0.605 2.875 -0.810 -0.674 -0.624 -0.375 2.875 -1.329 -1.193 -1.143 -0.929 2.875 -0.141 -0.005 0.045 0.294
3.000 -1.440 -1.305 -1.254 -1.041 3.000 -0.909 -0.774 -0.724 -0.475 3.000 -1.623 -1.488 -1.437 -1.223 3.000 0.172 0.307 0.357 0.606
3.060 -0.922 -0.787 -0.736 -0.523 3.060 -0.705 -0.569 -0.519 -0.270 3.060 -1.426 -1.291 -1.240 -1.026 3.060 0.266 0.402 0.452 0.701
3.125 -1.058 -0.922 -0.872 -0.658 3.125 -0.725 -0.590 -0.539 -0.290 3.125 -1.526 -1.390 -1.340 -1.126 3.125 0.240 0.375 0.426 0.675
3.250 -0.394 -0.237 -0.264 -0.020 3.250 -0.800 -0.644 -0.671 -0.392 3.250 -1.011 -0.855 -0.882 -0.637 3.250 0.018 0.175 0.148 0.426
3.375 -0.734 -0.578 -0.605 -0.361 3.375 -1.291 -1.135 -1.162 -0.883 3.375 -1.269 -1.113 -1.140 -0.895 3.375 -0.002 0.155 0.128 0.406
3.500 -1.015 -0.859 -0.886 -0.641 3.500 -1.361 -1.205 -1.232 -0.953 3.500 -1.539 -1.383 -1.410 -1.165 3.500 0.014 0.170 0.143 0.422
3.560 -0.722 -0.566 -0.593 -0.349 3.560 -0.810 -0.654 -0.681 -0.402 3.560 -0.473 -0.317 -0.344 -0.099 3.560 0.457 0.613 0.586 0.865
3.625 -0.862 -0.706 -0.733 -0.489 3.625 -0.858 -0.701 -0.728 -0.450 3.625 -0.587 -0.431 -0.458 -0.214 3.625 0.410 0.566 0.539 0.818
3.750 -0.022 0.155 -0.090 0.184 3.750 0.067 0.244 -0.001 0.347 3.750 0.051 0.228 -0.017 0.257 3.750 1.623 1.800 1.555 1.902
3.875 -0.003 0.174 -0.071 0.204 3.875 0.169 0.346 0.101 0.449 3.875 -0.177 0.000 -0.245 0.030 3.875 1.467 1.644 1.399 1.746
4.000 -0.277 -0.100 -0.345 -0.070 4.000 -0.070 0.107 -0.138 0.209 4.000 -0.333 -0.156 -0.401 -0.126 4.000 1.257 1.434 1.189 1.536
4.125 -0.244 -0.067 -0.312 -0.037 4.125 -0.234 -0.057 -0.302 0.046 4.125 -0.404 -0.227 -0.472 -0.197 4.125 0.929 1.106 0.861 1.209
4.250 -1.094 -0.896 -1.172 -0.867 4.250 -0.372 -0.174 -0.449 -0.027 4.250 -1.191 -0.993 -1.269 -0.963 4.250 0.888 1.086 0.811 1.233
4.375 -1.064 -0.866 -1.142 -0.836 4.375 -0.341 -0.143 -0.419 0.004 4.375 -1.132 -0.934 -1.210 -0.904 4.375 0.996 1.194 0.918 1.341
4.500 -0.939 -0.741 -1.017 -0.712 4.500 -0.374 -0.176 -0.451 -0.029 4.500 -1.024 -0.826 -1.102 -0.797 4.500 0.998 1.195 0.920 1.342
8/7/2020
Indications Only
2 of 17
Lock Desk(833) 769-3710 (open 7am to 5pm PT)
Effective Date: www.PennyMacBrokerDirect.com
Rates subject to change without notice
Conforming Indicative Rates
Conforming Fixed Max Net Rebate SB: -4.50 | HB: -4.50
Conf 21-30 > 250K Conf 16-20 Conf 11-15 > 250K Conf 8-10 Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day
2.250 0.184 0.753 0.465 0.718 2.250 0.010 0.554 0.254 0.430 1.750 0.947 1.360 1.098 1.158 1.750 1.215 1.630 1.368 1.428
2.375 -0.596 -0.033 -0.323 -0.078 2.375 -0.549 -0.010 -0.312 -0.141 1.875 0.339 0.766 0.507 0.564 1.875 0.567 1.036 0.758 0.834
2.500 -1.331 -0.778 -1.072 -0.836 2.500 -1.116 -0.586 -0.890 -0.723 1.999 -0.270 0.197 -0.080 -0.003 1.999 -0.048 0.457 0.142 0.256
2.625 -1.587 -1.048 -1.347 -1.124 2.625 -1.672 -1.154 -1.462 -1.303 2.000 -0.270 0.191 -0.080 -0.010 2.000 -0.048 0.451 0.142 0.250
2.750 -1.563 -1.029 -1.329 -1.116 2.750 -1.883 -1.371 -1.681 -1.532 2.125 -0.728 -0.222 -0.541 -0.394 2.125 -0.515 -0.010 -0.329 -0.160
2.875 -2.051 -1.528 -1.832 -1.631 2.875 -2.400 -1.903 -2.218 -2.079 2.250 -1.251 -0.749 -1.069 -0.902 2.250 -1.057 -0.555 -0.875 -0.709
2.999 -2.328 -1.818 -2.126 -1.936 2.999 -2.701 -2.216 -2.535 -2.402 2.375 -1.560 -1.063 -1.385 -1.221 2.375 -1.383 -0.887 -1.208 -1.045
3.000 -2.334 -1.824 -2.132 -1.941 3.000 -2.707 -2.221 -2.540 -2.407 2.500 -2.037 -1.542 -1.863 -1.701 2.500 -1.873 -1.378 -1.698 -1.537
3.124 -2.560 -2.060 -2.371 -2.191 3.124 -2.935 -2.450 -2.768 -2.638 2.625 -2.241 -1.754 -2.076 -1.953 2.625 -2.247 -1.760 -2.083 -1.960
3.125 -2.566 -2.065 -2.377 -2.196 3.125 -2.941 -2.455 -2.773 -2.644 2.749 -2.516 -2.034 -2.357 -2.236 2.749 -2.602 -2.119 -2.443 -2.321
3.250 -2.815 -2.316 -2.627 -2.432 3.250 -3.309 -2.827 -3.146 -2.998 2.750 -2.522 -2.038 -2.362 -2.240 2.750 -2.606 -2.123 -2.447 -2.325
3.374 -3.164 -2.689 -3.009 -2.831 3.374 -3.710 -3.236 -3.556 -3.414 2.874 -2.787 -2.310 -2.635 -2.517 2.874 -2.873 -2.396 -2.721 -2.603
3.375 -3.169 -2.694 -3.014 -2.836 3.375 -3.715 -3.240 -3.561 -3.418 2.875 -2.792 -2.315 -2.639 -2.522 2.875 -2.877 -2.400 -2.725 -2.607
3.499 -3.300 -2.838 -3.163 -2.993 3.499 -4.084 -3.617 -3.940 -3.802 2.999 -2.963 -2.493 -2.820 -2.704 2.999 -2.973 -2.502 -2.829 -2.714
3.500 -3.305 -2.843 -3.169 -2.998 3.500 -4.089 -3.621 -3.944 -3.806 3.000 -2.968 -2.498 -2.824 -2.708 3.000 -2.977 -2.506 -2.833 -2.718
3.625 -3.519 -3.048 -3.368 -3.198 3.625 -4.255 -3.794 -4.118 -3.984 3.125 -2.818 -2.382 -2.723 -2.610 3.125 -3.045 -2.567 -2.889 -2.750
3.749 -3.004 -2.519 -2.831 -2.689 3.749 -3.732 -3.248 -3.560 -3.418 3.249 -3.044 -2.577 -2.918 -2.808 3.249 -3.167 -2.691 -3.012 -2.874
3.750 -2.998 -2.514 -2.825 -2.684 3.750 -3.723 -3.238 -3.550 -3.408 3.250 -3.022 -2.556 -2.896 -2.786 3.250 -3.170 -2.694 -3.016 -2.877
3.874 -3.249 -2.756 -3.064 -2.925 3.874 -4.029 -3.540 -3.848 -3.709 3.375 -3.279 -2.847 -3.187 -3.077 3.375 -3.458 -2.985 -3.307 -3.171
3.875 -3.254 -2.735 -3.043 -2.904 3.875 -4.004 -3.514 -3.823 -3.684 3.499 -3.377 -2.909 -3.248 -3.139
3.999 -3.534 -3.033 -3.340 -3.202 3.999 -4.215 -3.724 -4.031 -3.893 3.500 -3.346 -2.890 -3.231 -3.122
4.000 -3.539 -3.017 -3.308 -3.150 4.000 -4.161 -3.671 -3.978 -3.840 3.625 -2.656 -2.249 -2.598 -2.506
4.125 -3.381 -2.889 -3.196 -3.058 4.125 -4.154 -3.664 -3.971 -3.833
4.250 -2.604 -2.166 -2.494 -2.396 4.250 -4.099 -3.656 -3.982 -3.828
4.375 -2.796 -2.361 -2.689 -2.538 4.375 -4.218 -3.779 -4.105 -3.952
Conf 21-30 HB Conf 16-20 HB Conf 11-15 HB Conf 8-10 HBRate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day
2.250 1.335 1.905 1.617 1.907 2.250 1.502 2.072 1.783 2.074 1.750 2.301 2.812 2.490 2.716 1.750 2.177 2.687 2.366 2.592
2.375 0.513 1.076 0.786 1.069 2.375 0.687 1.250 0.960 1.243 1.875 1.665 2.176 1.856 2.082 1.875 1.533 2.044 1.724 1.949
2.500 -0.314 0.238 -0.056 0.218 2.500 -0.019 0.534 0.240 0.513 1.999 1.062 1.571 1.252 1.476 1.999 0.920 1.429 1.110 1.334
2.625 -0.956 -0.417 -0.716 -0.455 2.625 -0.384 0.154 -0.145 0.116 2.000 1.062 1.571 1.252 1.476 2.000 0.920 1.429 1.110 1.334
2.750 -1.395 -0.851 -1.164 -0.947 2.750 -0.391 0.153 -0.160 0.057 2.125 0.511 1.018 0.698 0.921 2.125 0.455 0.961 0.642 0.865
2.875 -1.814 -1.283 -1.591 -1.383 2.875 -0.822 -0.291 -0.599 -0.391 2.250 -1.064 -0.562 -0.883 -0.716 2.250 -0.081 0.421 0.101 0.321
2.999 -2.110 -1.581 -1.897 -1.697 2.999 -1.219 -0.701 -1.008 -0.806 2.375 -1.414 -0.918 -1.239 -1.076 2.375 -0.400 0.097 -0.225 -0.008
3.000 -2.085 -1.570 -1.878 -1.671 3.000 -1.217 -0.707 -1.015 -0.807 2.500 -1.883 -1.388 -1.709 -1.547 2.500 -0.879 -0.384 -0.705 -0.490
3.124 -2.288 -1.768 -2.084 -1.891 3.124 -1.523 -1.024 -1.335 -1.138 2.625 -2.080 -1.592 -1.915 -1.791 2.625 -1.080 -0.593 -0.915 -0.739
3.125 -2.278 -1.774 -2.085 -1.888 3.125 -1.531 -1.030 -1.342 -1.144 2.749 -2.299 -1.817 -2.141 -2.019 2.749 -1.426 -0.944 -1.268 -1.093
3.250 -2.373 -1.872 -2.187 -1.987 3.250 -1.839 -1.337 -1.652 -1.452 2.750 -2.304 -1.821 -2.145 -2.023 2.750 -1.431 -0.948 -1.272 -1.097
3.374 -2.784 -2.297 -2.618 -2.430 3.374 -2.199 -1.712 -2.033 -1.845 2.874 -2.566 -2.090 -2.415 -2.297 2.874 -1.692 -1.216 -1.540 -1.369
3.375 -2.777 -2.290 -2.611 -2.423 3.375 -2.192 -1.705 -2.026 -1.838 2.875 -2.571 -2.094 -2.419 -2.301 2.875 -1.697 -1.219 -1.544 -1.373
3.499 -3.090 -2.612 -2.936 -2.753 3.499 -2.408 -1.930 -2.253 -2.071 2.999 -2.900 -2.431 -2.758 -2.642 2.999 -1.786 -1.317 -1.644 -1.475
3.500 -3.079 -2.601 -2.924 -2.742 3.500 -2.397 -1.918 -2.242 -2.059 3.000 -2.906 -2.435 -2.761 -2.646 3.000 -1.792 -1.321 -1.647 -1.479
3.625 -3.264 -2.780 -3.100 -2.918 3.625 -2.661 -2.179 -2.499 -2.315 3.125 -2.584 -2.148 -2.489 -2.377 3.125 -1.350 -0.888 -1.232 -1.057
3.749 -2.483 -1.983 -2.288 -2.095 3.749 -2.179 -1.679 -1.984 -1.791 3.249 -2.830 -2.363 -2.704 -2.594 3.249 -1.561 -1.094 -1.435 -1.262
3.750 -2.381 -1.893 -2.205 -2.032 3.750 -2.077 -1.589 -1.901 -1.728 3.250 -2.808 -2.342 -2.682 -2.572 3.250 -1.539 -1.072 -1.413 -1.240
3.874 -2.657 -2.142 -2.450 -2.280 3.874 -2.389 -1.874 -2.182 -2.012 3.375 -3.050 -1.881 -2.220 -2.076 3.375 -1.841 -1.373 -1.712 -1.541
3.875 -2.654 -2.139 -2.435 -2.260 3.875 -2.386 -1.871 -2.167 -1.992 3.499 -3.213 -2.785 -2.396 -2.252
3.999 -1.649 -2.280 -2.577 -2.385 3.999 -1.320 -0.825 -2.261 -2.053 3.500 -3.217 -2.040 -2.380 -2.236
4.000 -1.622 -1.127 -1.432 -2.355 4.000 -1.293 -0.798 -1.102 -2.033 3.625 -1.262 -0.814 -1.247 -1.061
4.125 -1.964 -2.592 -2.889 -1.548 4.125 -1.413 -0.918 -1.223 -0.992
4.250 -0.897 -0.633 -0.934 -0.918 4.250 -0.795 -0.531 -0.832 -0.816
4.375 -1.113 -0.845 -1.143 -1.126 4.375 -1.001 -0.733 -1.031 -1.014
Conforming ARM Max Net Rebate SB: -3.50 | HB: -3.50 | Margin: 2.25%
Conf 10/1 Caps: (5/2/5) Conf 7/1 Caps: (2/2/5) Conf 5/1 Caps: (5/2/5) Conf 3/1 Caps: (2/2/6)
Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day
2.500 22.487 23.075 22.725 22.947 2.500 19.570 20.158 19.808 20.031 2.500 19.509 20.097 19.747 19.969 2.500 21.417 22.006 21.656 21.878
2.625 19.834 20.427 20.083 20.310 2.625 19.234 19.828 19.483 19.710 2.625 19.173 19.767 19.422 19.649 2.625 21.210 21.804 21.459 21.686
2.750 19.232 19.830 19.491 19.723 2.750 18.966 19.565 19.225 19.458 2.750 18.996 19.594 19.255 19.487 2.750 21.016 21.614 21.275 21.507
2.875 18.917 19.521 19.187 19.424 2.875 18.708 19.312 18.977 19.215 2.875 18.839 19.443 19.109 19.346 2.875 20.835 21.438 21.104 21.342
3.000 18.582 19.191 18.862 19.105 3.000 18.449 19.058 18.729 18.972 3.000 18.701 19.310 18.981 19.224 3.000 20.717 21.326 20.997 21.239
3.125 18.442 19.057 18.733 18.981 3.125 18.393 19.007 18.683 18.931 3.125 18.781 19.395 19.071 19.319 3.125 20.817 21.431 21.107 21.355
3.250 18.227 18.847 18.528 18.781 3.250 18.139 18.758 18.440 18.693 3.250 18.718 19.338 19.019 19.272 3.250 20.698 21.317 20.999 21.252
3.375 18.064 18.689 18.375 18.634 3.375 17.931 18.556 18.243 18.501 3.375 18.712 19.336 19.023 19.281 3.375 20.620 21.244 20.931 21.189
3.500 17.994 18.624 18.316 18.579 3.500 17.978 18.608 18.300 18.563 3.500 18.820 19.450 19.142 19.405 3.500 20.510 21.140 20.832 21.095
3.625 17.950 18.586 18.282 18.551 3.625 18.069 18.704 18.401 18.670 3.625 18.956 19.591 19.288 19.557 3.625 20.346 20.981 20.678 20.947
3.750 17.744 18.384 18.086 18.360 3.750 17.949 18.589 18.291 18.565 3.750 18.855 19.496 19.198 19.472 3.750 20.113 20.753 20.455 20.729
3.875 17.663 18.308 18.015 18.295 3.875 17.946 18.591 18.299 18.578 3.875 18.820 19.465 19.172 19.452 3.875 20.007 20.652 20.359 20.639
4.000 17.603 18.253 17.966 18.250 4.000 17.863 18.514 18.227 18.511 4.000 18.682 19.333 19.045 19.330 4.000 19.952 20.602 20.315 20.599
Conf 10/1 HB Caps: (5/2/5) Conf 7/1 HB Caps: (2/2/5) Conf 5/1 HB Caps: (5/2/5) Conf 3/1 HB Caps: (2/2/6)
Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day
2.500 22.081 22.669 22.319 22.542 2.500 19.160 19.748 19.398 19.620 2.500 19.098 19.687 19.337 19.559 2.500 21.008 21.596 21.246 21.468
2.625 19.430 20.023 19.679 19.906 2.625 18.824 19.418 19.073 19.300 2.625 18.764 19.357 19.012 19.240 2.625 20.797 21.391 21.046 21.273
2.750 18.829 19.428 19.088 19.321 2.750 18.557 19.155 18.816 19.048 2.750 18.587 19.185 18.846 19.078 2.750 20.586 21.185 20.845 21.078
2.875 18.515 19.119 18.785 19.022 2.875 18.298 18.902 18.568 18.805 2.875 18.431 19.035 18.701 18.938 2.875 20.376 20.979 20.645 20.883
3.000 18.180 18.789 18.460 18.703 3.000 18.039 18.648 18.319 18.562 3.000 18.290 18.899 18.570 18.813 3.000 20.224 20.833 20.504 20.747
3.125 18.040 18.654 18.331 18.579 3.125 17.979 18.593 18.269 18.517 3.125 18.351 18.965 18.641 18.889 3.125 20.288 20.902 20.578 20.827
3.250 17.825 18.444 18.125 18.379 3.250 17.704 18.323 18.004 18.258 3.250 18.255 18.874 18.555 18.809 3.250 20.129 20.748 20.430 20.683
3.375 17.658 18.282 17.969 18.227 3.375 17.462 18.086 17.773 18.031 3.375 18.209 18.834 18.520 18.779 3.375 20.007 20.631 20.318 20.576
3.500 17.567 18.196 17.888 18.152 3.500 17.471 18.101 17.792 18.056 3.500 18.275 18.905 18.597 18.861 3.500 19.891 20.521 20.213 20.476
3.625 17.487 18.122 17.819 18.088 3.625 17.521 18.156 17.853 18.122 3.625 18.365 19.000 18.697 18.966 3.625 19.783 20.418 20.115 20.384
3.750 17.240 17.881 17.583 17.857 3.750 17.358 17.998 17.700 17.974 3.750 18.214 18.855 18.557 18.831 3.750 19.586 20.226 19.928 20.202
3.875 17.117 17.763 17.470 17.750 3.875 17.309 17.954 17.661 17.941 3.875 18.176 18.821 18.528 18.808 3.875 19.480 20.125 19.832 20.112
4.000 17.013 17.664 17.376 17.661 4.000 17.234 17.885 17.598 17.882 4.000 18.110 18.761 18.473 18.758 4.000 19.425 20.075 19.788 20.072
8/7/2020
Indications Only
3 of 17
Lock Desk(833) 769-3710 (open 7am to 5pm PT)
Effective Date: www.PennyMacBrokerDirect.com
Rates subject to change without notice
Government Indicative Rates
FHA Fixed Max Net Rebate SB: -5.00 | HB: -4.50
FHA 16-30 > 250K FHA 10-15 > 200K FHA 16-30 Stream > 250K FHA 10-15 Stream > 200KRate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day
2.250 1.213 1.328 1.409 1.592 2.250 0.261 0.436 0.402 0.631 2.250 -1.567 -1.452 -1.371 -1.188 2.250 -1.247 -1.072 -1.106 -0.877
2.375 0.695 0.809 0.890 1.074 2.375 -0.100 0.075 0.042 0.270 2.375 -2.085 -1.971 -1.890 -1.706 2.375 -1.608 -1.433 -1.466 -1.238
2.500 0.237 0.352 0.433 0.616 2.500 -0.427 -0.252 -0.285 -0.057 2.500 -2.593 -2.478 -2.397 -2.214 2.500 -1.935 -1.760 -1.793 -1.565
2.625 -0.140 -0.025 0.056 0.239 2.625 -0.723 -0.547 -0.581 -0.353 2.625 -2.870 -2.755 -2.674 -2.491 2.625 -2.231 -2.055 -2.089 -1.861
2.750 -0.452 -0.317 -0.267 -0.053 2.750 -1.457 -1.336 -1.359 -1.169 2.750 -2.812 -2.677 -2.627 -2.413 2.750 -2.965 -2.844 -2.867 -2.677
2.875 -1.005 -0.869 -0.819 -0.605 2.875 -1.757 -1.636 -1.659 -1.469 2.875 -2.965 -2.829 -2.779 -2.565 2.875 -3.265 -3.144 -3.167 -2.977
3.000 -1.440 -1.305 -1.254 -1.041 3.000 -2.032 -1.911 -1.934 -1.743 3.000 -3.362 -3.227 -3.176 -2.963 3.000 -3.540 -3.419 -3.442 -3.251
3.060 -0.922 -0.787 -0.736 -0.523 3.125 -2.134 -2.013 -2.036 -1.845 3.060 -2.804 -2.669 -2.618 -2.405 3.125 -3.642 -3.521 -3.544 -3.353
3.125 -1.058 -0.922 -0.872 -0.658 3.250 -0.641 -0.669 -0.681 -0.613 3.125 -2.940 -2.804 -2.754 -2.540 3.250 -2.149 -2.177 -2.189 -2.121
3.250 -0.394 -0.237 -0.264 -0.020 3.375 -0.771 -0.799 -0.811 -0.743 3.250 -2.909 -2.752 -2.779 -2.535 3.375 -2.279 -2.307 -2.319 -2.251
3.375 -0.734 -0.578 -0.605 -0.361 3.500 -1.030 -1.059 -1.070 -1.003 3.375 -3.019 -2.863 -2.890 -2.646 3.500 -2.538 -2.567 -2.578 -2.511
3.500 -1.015 -0.859 -0.886 -0.641 3.625 -0.946 -0.975 -0.986 -0.919 3.500 -3.225 -3.069 -3.096 -2.851 3.625 -2.454 -2.483 -2.494 -2.427
3.560 -0.722 -0.566 -0.593 -0.349 3.750 -0.640 -0.739 -0.739 -0.724 3.560 -2.687 -2.531 -2.558 -2.314 3.750 -2.148 -2.247 -2.247 -2.232
3.625 -0.862 -0.706 -0.733 -0.489 3.875 -0.674 -0.773 -0.773 -0.758 3.625 -2.827 -2.671 -2.698 -2.454 3.875 -2.182 -2.281 -2.281 -2.266
3.750 -0.022 0.155 -0.090 0.184 3.990 -0.599 -0.697 -0.698 -0.683 3.750 -2.422 -2.245 -2.490 -2.216 3.990 -2.107 -2.205 -2.206 -2.191
3.875 -0.003 0.174 -0.071 0.204 4.000 -0.587 -0.685 -0.686 -0.671 3.875 -2.053 -1.876 -2.121 -1.846 4.000 -2.095 -2.193 -2.194 -2.179
4.000 -0.277 -0.100 -0.345 -0.070 4.125 -0.501 -0.599 -0.599 -0.584 4.000 -2.177 -2.000 -2.245 -1.970 4.125 -2.009 -2.107 -2.107 -2.092
4.125 -0.244 -0.067 -0.312 -0.037 4.250 0.088 0.247 0.258 0.518 4.125 -1.844 -1.667 -1.912 -1.637 4.250 -1.420 -1.261 -1.250 -0.990
4.250 -1.094 -0.896 -1.172 -0.867 4.375 0.088 0.247 0.258 0.518 4.250 -2.834 -2.636 -2.912 -2.607 4.375 -1.420 -1.261 -1.250 -0.990
4.375 -1.064 -0.866 -1.142 -0.836 4.500 0.088 0.247 0.258 0.518 4.375 -2.804 -2.606 -2.882 -2.576 4.500 -1.420 -1.261 -1.250 -0.990
4.500 -0.939 -0.741 -1.017 -0.712 4.625 0.088 0.247 0.258 0.518 4.500 -2.679 -2.481 -2.757 -2.452 4.625 -1.420 -1.261 -1.250 -0.990
FHA 16-30 HB FHA 10-15 HB FHA 16-30 Stream HB FHA 10-15 Stream HBRate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day
2.250 0.553 0.668 0.749 0.979 2.250 2.503 2.679 2.645 3.023 2.250 0.173 0.288 0.369 0.599 2.250 2.179 2.355 2.321 2.699
2.375 0.133 0.248 0.329 0.559 2.375 2.265 2.440 2.407 2.785 2.375 -0.247 -0.132 -0.051 0.179 2.375 1.941 2.116 2.083 2.461
2.500 -0.186 -0.071 0.010 0.240 2.500 2.067 2.242 2.208 2.587 2.500 -0.566 -0.451 -0.370 -0.140 2.500 1.743 1.918 1.884 2.263
2.625 -0.386 -0.271 -0.190 0.040 2.625 1.903 2.079 2.045 2.423 2.625 -0.766 -0.651 -0.570 -0.340 2.625 1.579 1.755 1.721 2.099
2.750 -0.531 -0.396 -0.345 -0.096 2.750 0.126 0.246 0.224 0.529 2.750 -1.251 -1.116 -1.065 -0.816 2.750 -0.198 -0.078 -0.100 0.205
2.875 -0.810 -0.674 -0.624 -0.375 2.875 -0.049 0.072 0.049 0.354 2.875 -1.560 -1.424 -1.374 -1.125 2.875 -0.373 -0.252 -0.275 0.030
3.000 -0.909 -0.774 -0.724 -0.475 3.000 -0.199 -0.078 -0.101 0.205 3.000 -1.799 -1.664 -1.614 -1.365 3.000 -0.523 -0.402 -0.425 -0.119
3.060 -0.705 -0.569 -0.519 -0.270 3.125 -0.178 -0.057 -0.080 0.226 3.060 -1.985 -1.849 -1.799 -1.550 3.125 -0.502 -0.381 -0.404 -0.098
3.125 -0.725 -0.590 -0.539 -0.290 3.250 0.174 0.146 0.134 0.278 3.125 -2.005 -1.870 -1.819 -1.570 3.250 -0.150 -0.178 -0.190 -0.046
3.250 -0.800 -0.644 -0.671 -0.392 3.375 0.036 0.008 -0.003 0.141 3.250 -1.326 -1.170 -1.197 -0.918 3.375 -0.288 -0.316 -0.327 -0.183
3.375 -1.291 -1.135 -1.162 -0.883 3.500 -0.086 -0.115 -0.126 0.018 3.375 -1.778 -1.622 -1.649 -1.370 3.500 -0.410 -0.439 -0.450 -0.306
3.500 -1.361 -1.205 -1.232 -0.953 3.625 -0.047 -0.075 -0.086 0.058 3.500 -1.985 -1.829 -1.856 -1.577 3.625 -0.371 -0.399 -0.410 -0.266
3.560 -0.810 -0.654 -0.681 -0.402 3.750 0.540 0.441 0.441 0.556 3.560 -1.860 -1.704 -1.731 -1.452 3.750 0.216 0.117 0.117 0.232
3.625 -0.858 -0.701 -0.728 -0.450 3.875 0.438 0.339 0.339 0.454 3.625 -1.908 -1.751 -1.778 -1.500 3.875 0.114 0.015 0.015 0.130
3.750 0.067 0.244 -0.001 0.347 3.990 0.374 0.276 0.276 0.391 3.750 -0.403 -0.226 -0.471 -0.123 3.990 0.050 -0.048 -0.048 0.067
3.875 0.169 0.346 0.101 0.449 4.000 0.370 0.272 0.271 0.386 3.875 -0.221 -0.044 -0.289 0.059 4.000 0.046 -0.052 -0.053 0.062
4.000 -0.070 0.107 -0.138 0.209 4.125 0.345 0.246 0.246 0.361 4.000 -0.520 -0.343 -0.588 -0.241 4.125 0.021 -0.078 -0.078 0.037
4.125 -0.234 -0.057 -0.302 0.046 4.250 0.704 0.863 0.874 1.209 4.125 -0.364 -0.187 -0.432 -0.084 4.250 0.380 0.539 0.550 0.885
4.250 -0.372 -0.174 -0.449 -0.027 4.375 0.691 0.850 0.861 1.196 4.250 -0.552 -0.354 -0.629 -0.207 4.375 0.367 0.526 0.537 0.872
4.375 -0.341 -0.143 -0.419 0.004 4.500 0.732 0.891 0.901 1.237 4.375 -0.611 -0.413 -0.689 -0.266 4.500 0.408 0.567 0.577 0.913
4.500 -0.374 -0.176 -0.451 -0.029 4.625 0.770 0.929 0.940 1.275 4.500 -0.924 -0.726 -1.001 -0.579 4.625 0.446 0.605 0.616 0.951
FHA ARM Max Net Rebate SB: -3.50 | HB: -3.50 | Margin: 2.00%
FHA 7/1 Caps: (2/2/6) FHA 5/1 Caps: (1/1/5) FHA 7/1 Stream Caps: (2/2/6) FHA 5/1 Stream Caps: (1/1/5)
Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day
2.500 22.056 22.319 22.306 22.528 2.500 19.533 19.703 19.689 19.818 2.500 22.056 22.319 22.306 22.528 2.500 19.533 19.703 19.689 19.818
2.625 21.870 22.133 22.120 22.342 2.625 19.314 19.484 19.470 19.599 2.625 21.870 22.133 22.120 22.342 2.625 19.314 19.484 19.470 19.599
2.750 21.419 21.703 21.710 21.954 2.750 18.910 19.101 19.108 19.258 2.750 21.419 21.703 21.710 21.954 2.750 18.910 19.101 19.108 19.258
2.875 21.225 21.510 21.517 21.760 2.875 18.685 18.876 18.883 19.033 2.875 21.225 21.510 21.517 21.760 2.875 18.685 18.876 18.883 19.033
3.000 21.057 21.342 21.349 21.592 3.000 18.484 18.675 18.682 18.832 3.000 21.057 21.342 21.349 21.592 3.000 18.484 18.675 18.682 18.832
3.125 20.913 21.197 21.204 21.448 3.125 18.332 18.523 18.530 18.680 3.125 20.913 21.197 21.204 21.448 3.125 18.332 18.523 18.530 18.680
3.250 20.908 21.213 21.242 21.506 3.250 18.404 18.616 18.644 18.814 3.250 20.908 21.213 21.242 21.506 3.250 18.404 18.616 18.644 18.814
3.375 20.731 21.036 21.064 21.329 3.375 18.229 18.440 18.468 18.639 3.375 20.731 21.036 21.064 21.329 3.375 18.229 18.440 18.468 18.639
3.500 20.654 20.959 20.987 21.251 3.500 18.177 18.388 18.416 18.587 3.500 20.654 20.959 20.987 21.251 3.500 18.177 18.388 18.416 18.587
3.625 20.642 20.947 20.975 21.239 3.625 18.218 18.430 18.458 18.628 3.625 20.642 20.947 20.975 21.239 3.625 18.218 18.430 18.458 18.628
3.750 20.641 20.967 21.016 21.301 3.750 18.186 18.418 18.467 18.658 3.750 20.641 20.967 21.016 21.301 3.750 18.186 18.418 18.467 18.658
3.875 20.657 20.983 21.032 21.317 3.875 18.217 18.449 18.498 18.690 3.875 20.657 20.983 21.032 21.317 3.875 18.217 18.449 18.498 18.690
4.000 20.699 21.025 21.074 21.359 4.000 18.217 18.449 18.498 18.690 4.000 20.699 21.025 21.074 21.359 4.000 18.217 18.449 18.498 18.690
FHA 7/1 HB Caps: (2/2/6) FHA 5/1 HB Caps: (1/1/5) FHA 7/1 Stream HB Caps:(2/2/6) FHA 5/1 Stream HB Caps: (1/1/5)
Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day
2.500 21.681 21.944 21.931 22.153 2.500 19.149 19.319 19.306 19.434 2.500 21.681 21.944 21.931 22.153 2.500 19.149 19.319 19.306 19.434
2.625 21.591 21.855 21.841 22.064 2.625 19.040 19.210 19.197 19.325 2.625 21.591 21.855 21.841 22.064 2.625 19.040 19.210 19.197 19.325
2.750 20.822 21.107 21.114 21.357 2.750 18.305 18.495 18.503 18.652 2.750 20.822 21.107 21.114 21.357 2.750 18.305 18.495 18.503 18.652
2.875 20.723 21.007 21.014 21.258 2.875 18.188 18.379 18.386 18.536 2.875 20.723 21.007 21.014 21.258 2.875 18.188 18.379 18.386 18.536
3.000 20.640 20.925 20.932 21.175 3.000 18.088 18.278 18.286 18.435 3.000 20.640 20.925 20.932 21.175 3.000 18.088 18.278 18.286 18.435
3.125 20.569 20.853 20.861 21.104 3.125 18.000 18.190 18.198 18.347 3.125 20.569 20.853 20.861 21.104 3.125 18.000 18.190 18.198 18.347
3.250 20.289 20.594 20.622 20.886 3.250 17.769 17.981 18.009 18.179 3.250 20.289 20.594 20.622 20.886 3.250 17.769 17.981 18.009 18.179
3.375 20.160 20.465 20.493 20.757 3.375 17.632 17.844 17.872 18.042 3.375 20.160 20.465 20.493 20.757 3.375 17.632 17.844 17.872 18.042
3.500 20.095 20.400 20.428 20.692 3.500 17.568 17.780 17.808 17.978 3.500 20.095 20.400 20.428 20.692 3.500 17.568 17.780 17.808 17.978
3.625 20.051 20.356 20.384 20.649 3.625 17.535 17.746 17.774 17.945 3.625 20.051 20.356 20.384 20.649 3.625 17.535 17.746 17.774 17.945
3.750 19.953 20.279 20.328 20.613 3.750 17.453 17.685 17.734 17.925 3.750 19.953 20.279 20.328 20.613 3.750 17.453 17.685 17.734 17.925
3.875 19.924 20.250 20.299 20.584 3.875 17.436 17.668 17.717 17.909 3.875 19.924 20.250 20.299 20.584 3.875 17.436 17.668 17.717 17.909
4.000 19.931 20.257 20.306 20.591 4.000 17.470 17.703 17.752 17.943 4.000 19.931 20.257 20.306 20.591 4.000 17.470 17.703 17.752 17.943
8/7/2020
Indications Only
4 of 17
Lock Desk(833) 769-3710 (open 7am to 5pm PT)
Effective Date: www.PennyMacBrokerDirect.com
Rates subject to change without notice
Government Indicative Rates
8/7/2020
Indications Only
VA Fixed Max Net Rebate SB: -5.00 | HB: -4.50
VA 16-30 > 250K VA 10-15 > 200K VA 16-30 IRRRL > 250K VA 10-15 IRRRL > 200KRate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day
2.250 0.243 0.358 0.439 0.622 2.250 1.320 1.496 1.462 1.690 2.250 -1.477 -1.362 -1.281 -1.098 2.250 -0.780 -0.604 -0.638 -0.410
2.375 -0.199 -0.084 -0.003 0.180 2.375 1.002 1.177 1.144 1.372 2.375 -1.699 -1.584 -1.503 -1.320 2.375 -1.098 -0.923 -0.956 -0.728
2.500 -0.540 -0.426 -0.345 -0.162 2.500 0.709 0.885 0.851 1.079 2.500 -1.990 -1.876 -1.795 -1.612 2.500 -1.191 -1.015 -1.049 -0.821
2.625 -0.739 -0.625 -0.544 -0.361 2.625 0.118 0.294 0.260 0.488 2.625 -2.279 -2.165 -2.084 -1.901 2.625 -2.352 -2.176 -2.210 -1.982
2.750 -1.006 -0.870 -0.820 -0.606 2.750 -0.978 -0.858 -0.880 -0.690 2.750 -2.846 -2.710 -2.660 -2.446 2.750 -3.598 -3.478 -3.500 -3.310
2.875 -1.329 -1.193 -1.143 -0.929 2.875 -1.245 -1.124 -1.147 -0.957 2.875 -3.169 -3.033 -2.983 -2.769 2.875 -2.935 -2.814 -2.837 -2.647
3.000 -1.623 -1.488 -1.437 -1.223 3.000 -0.795 -0.675 -0.697 -0.507 3.000 -3.173 -3.038 -2.987 -2.773 3.000 -2.895 -2.775 -2.797 -2.607
3.060 -1.426 -1.291 -1.240 -1.026 3.125 -0.881 -0.760 -0.783 -0.593 3.060 -3.026 -2.891 -2.840 -2.626 3.125 -2.981 -2.860 -2.883 -2.693
3.125 -1.526 -1.390 -1.340 -1.126 3.250 0.591 0.563 0.551 0.619 3.125 -3.126 -2.990 -2.940 -2.726 3.250 -1.609 -1.637 -1.649 -1.581
3.250 -1.011 -0.855 -0.882 -0.637 3.375 0.438 0.410 0.399 0.466 3.250 -2.731 -2.575 -2.602 -2.357 3.375 -1.512 -1.540 -1.551 -1.484
3.375 -1.269 -1.113 -1.140 -0.895 3.500 0.280 0.252 0.241 0.308 3.375 -2.989 -2.833 -2.860 -2.615 3.500 -1.670 -1.698 -1.709 -1.642
3.500 -1.539 -1.383 -1.410 -1.165 3.625 0.261 0.233 0.222 0.289 3.500 -3.239 -3.083 -3.110 -2.865 3.625 -1.589 -1.617 -1.628 -1.561
3.560 -0.473 -0.317 -0.344 -0.099 3.750 0.510 0.411 0.411 0.426 3.560 -2.803 -2.647 -2.674 -2.429 3.750 -1.340 -1.439 -1.439 -1.424
3.625 -0.587 -0.431 -0.458 -0.214 3.875 0.480 0.382 0.381 0.396 3.625 -2.917 -2.761 -2.788 -2.544 3.875 -1.370 -1.468 -1.469 -1.454
3.750 0.051 0.228 -0.017 0.257 3.990 0.561 0.463 0.462 0.477 3.750 -2.089 -1.912 -2.157 -1.883 3.990 -1.289 -1.387 -1.388 -1.373
3.875 -0.177 0.000 -0.245 0.030 4.000 0.574 0.475 0.475 0.490 3.875 -2.257 -2.080 -2.325 -2.050 4.000 -1.276 -1.375 -1.375 -1.360
4.000 -0.333 -0.156 -0.401 -0.126 4.125 0.664 0.566 0.566 0.581 4.000 -2.373 -2.196 -2.441 -2.166 4.125 -1.186 -1.284 -1.284 -1.269
4.125 -0.404 -0.227 -0.472 -0.197 4.250 1.103 1.262 1.273 1.533 4.125 -2.224 -2.047 -2.292 -2.017 4.250 -0.747 -0.588 -0.577 -0.317
4.250 -1.191 -0.993 -1.269 -0.963 4.375 1.103 1.262 1.273 1.533 4.250 -3.041 -2.843 -3.119 -2.813 4.375 -0.747 -0.588 -0.577 -0.317
4.375 -1.132 -0.934 -1.210 -0.904 4.500 1.103 1.262 1.273 1.533 4.375 -2.982 -2.784 -3.060 -2.754 4.500 -0.747 -0.588 -0.577 -0.317
4.500 -1.024 -0.826 -1.102 -0.797 4.625 0.983 1.142 1.153 1.413 4.500 -2.874 -2.676 -2.952 -2.647 4.625 -0.867 -0.708 -0.697 -0.437
VA 16-30 HB VA 10-15 HB VA 16-30 IRRRL HB VA 10-15 IRRRL HBRate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day
2.250 1.914 2.029 2.110 2.340 2.250 4.275 4.451 4.417 4.795 2.250 -0.186 -0.071 0.010 0.240 2.250 2.675 2.851 2.817 3.195
2.375 1.602 1.716 1.797 2.027 2.375 4.047 4.222 4.189 4.567 2.375 -0.498 -0.384 -0.303 -0.073 2.375 2.447 2.622 2.589 2.967
2.500 1.396 1.511 1.592 1.822 2.500 3.844 4.019 3.986 4.364 2.500 -0.704 -0.589 -0.508 -0.278 2.500 2.244 2.419 2.386 2.764
2.625 0.955 1.070 1.151 1.381 2.625 3.342 3.518 3.484 3.862 2.625 -0.965 -0.850 -0.769 -0.539 2.625 1.342 1.518 1.484 1.862
2.750 0.095 0.231 0.281 0.530 2.750 1.296 1.416 1.394 1.699 2.750 -1.645 -1.509 -1.459 -1.210 2.750 0.356 0.476 0.454 0.759
2.875 -0.141 -0.005 0.045 0.294 2.875 1.117 1.237 1.215 1.520 2.875 -1.881 -1.745 -1.695 -1.446 2.875 0.187 0.307 0.285 0.590
3.000 0.172 0.307 0.357 0.606 3.000 1.654 1.774 1.752 2.057 3.000 -1.738 -1.603 -1.553 -1.304 3.000 0.054 0.174 0.152 0.457
3.060 0.266 0.402 0.452 0.701 3.125 1.654 1.774 1.752 2.057 3.060 -1.554 -1.418 -1.368 -1.119 3.125 0.054 0.174 0.152 0.457
3.125 0.240 0.375 0.426 0.675 3.250 1.994 1.966 1.955 2.098 3.125 -1.580 -1.445 -1.394 -1.145 3.250 0.394 0.366 0.355 0.498
3.250 0.018 0.175 0.148 0.426 3.375 1.899 1.871 1.860 2.004 3.250 -1.702 -1.545 -1.572 -1.294 3.375 0.299 0.271 0.260 0.404
3.375 -0.002 0.155 0.128 0.406 3.500 1.744 1.716 1.705 1.849 3.375 -1.842 -1.685 -1.712 -1.434 3.500 0.144 0.116 0.105 0.249
3.500 0.014 0.170 0.143 0.422 3.625 1.749 1.721 1.709 1.853 3.500 -1.806 -1.650 -1.677 -1.398 3.625 0.149 0.121 0.109 0.253
3.560 0.457 0.613 0.586 0.865 3.750 2.371 2.273 2.272 2.387 3.560 -1.413 -1.257 -1.284 -1.005 3.750 0.821 0.723 0.722 0.837
3.625 0.410 0.566 0.539 0.818 3.875 2.241 2.143 2.143 2.258 3.625 -1.460 -1.304 -1.331 -1.052 3.875 0.641 0.543 0.543 0.658
3.750 1.623 1.800 1.555 1.902 3.990 2.158 2.059 2.059 2.174 3.750 -0.407 -0.230 -0.475 -0.128 3.990 0.558 0.459 0.459 0.574
3.875 1.467 1.644 1.399 1.746 4.000 2.152 2.054 2.053 2.168 3.875 -0.383 -0.206 -0.451 -0.104 4.000 0.552 0.454 0.453 0.568
4.000 1.257 1.434 1.189 1.536 4.125 2.117 2.019 2.018 2.133 4.000 -0.583 -0.406 -0.651 -0.304 4.125 0.517 0.419 0.418 0.533
4.125 0.929 1.106 0.861 1.209 4.250 2.561 2.720 2.731 3.066 4.125 -0.651 -0.474 -0.719 -0.371 4.250 0.961 1.120 1.131 1.466
4.250 0.888 1.086 0.811 1.233 4.375 2.549 2.708 2.719 3.054 4.250 -0.692 -0.494 -0.769 -0.347 4.375 0.949 1.108 1.119 1.454
4.375 0.996 1.194 0.918 1.341 4.500 2.610 2.769 2.779 3.115 4.375 -0.584 -0.386 -0.662 -0.239 4.500 1.010 1.169 1.179 1.515
4.500 0.998 1.195 0.920 1.342 4.625 2.545 2.704 2.715 3.050 4.500 -0.582 -0.385 -0.660 -0.238 4.625 0.795 0.954 0.965 1.300
VA ARM Max Net Rebate SB: -3.50 | HB: -3.50 | Margin: 2.00%
VA 7/1 Caps: (2/2/6) VA 5/1 Caps: (1/1/5) VA 7/1 IRRRL Caps: (2/2/6) VA 5/1 IRRRL Caps: (1/1/5)
Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day
2.500 2.500 2.500 2.500 19.659 19.828 19.815 19.944
2.625 2.625 2.625 2.625 19.463 19.633 19.619 19.748
2.750 2.750 2.750 2.750 18.949 19.139 19.147 19.296
2.875 2.875 2.875 2.875 18.748 18.938 18.945 19.095
3.000 3.000 3.000 3.000 18.563 18.753 18.761 18.910
3.125 3.125 3.125 3.125 18.418 18.609 18.616 18.766
3.250 3.250 3.250 3.250 18.429 18.640 18.669 18.839
3.375 3.375 3.375 3.375 18.262 18.474 18.502 18.672
3.500 3.500 3.500 3.500 18.213 18.424 18.452 18.623
3.625 3.625 3.625 3.625 18.252 18.464 18.492 18.662
3.750 3.750 3.750 3.750 18.213 18.445 18.494 18.685
3.875 3.875 3.875 3.875 18.247 18.479 18.528 18.720
4.000 4.000 4.000 4.000 18.247 18.479 18.528 18.720
VA 7/1 HB Caps: (2/2/6) VA 5/1 HB Caps: (1/1/5) VA 7/1 IRRRL HB Caps: (2/2/6) VA 5/1 IRRRL HB Caps: (1/1/5)
Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day
2.500 2.500 2.500 2.500 19.307 19.477 19.464 19.592
2.625 2.625 2.625 2.625 19.186 19.355 19.342 19.471
2.750 2.750 2.750 2.750 18.450 18.641 18.648 18.798
2.875 2.875 2.875 2.875 18.323 18.513 18.520 18.670
3.000 3.000 3.000 3.000 18.207 18.397 18.404 18.554
3.125 3.125 3.125 3.125 18.099 18.289 18.297 18.446
3.250 3.250 3.250 3.250 17.905 18.117 18.145 18.315
3.375 3.375 3.375 3.375 17.751 17.963 17.991 18.161
3.500 3.500 3.500 3.500 17.671 17.883 17.911 18.081
3.625 3.625 3.625 3.625 17.626 17.837 17.865 18.036
3.750 3.750 3.750 3.750 17.598 17.831 17.879 18.071
3.875 3.875 3.875 3.875 17.581 17.813 17.862 18.053
4.000 4.000 4.000 4.000 17.629 17.861 17.910 18.101
5 of 17
Lock Desk(833) 769-3710 (open 7am to 5pm PT)
Effective Date: www.PennyMacBrokerDirect.com
Rates subject to change without notice
Low Balance Indicative Rates
Conf 21-30 Fixed Max Net Rebate SB: -4.50
<= 85K > 85K <= 110K > 110K <= 125K > 125K <= 150KRate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day
2.250 6.054 6.623 6.335 6.588 2.250 6.004 6.573 6.285 6.538 2.250 5.149 5.718 5.430 5.683 2.250 0.879 1.448 1.160 1.413
2.375 5.224 5.787 5.497 5.742 2.375 5.174 5.737 5.447 5.692 2.375 4.319 4.882 4.592 4.837 2.375 0.049 0.612 0.322 0.567
2.500 4.489 5.042 4.748 4.984 2.500 4.439 4.992 4.698 4.934 2.500 3.584 4.137 3.843 4.079 2.500 -0.686 -0.133 -0.427 -0.191
2.625 3.923 4.462 4.163 4.386 2.625 3.873 4.412 4.113 4.336 2.625 3.018 3.557 3.258 3.481 2.625 -1.252 -0.713 -1.012 -0.789
2.750 4.247 4.781 4.481 4.694 2.750 4.197 4.731 4.431 4.644 2.750 3.342 3.876 3.576 3.789 2.750 -1.128 -0.594 -0.894 -0.681
2.875 3.729 4.252 3.948 4.149 2.875 3.679 4.202 3.898 4.099 2.875 2.084 2.607 2.303 2.504 2.875 -1.916 -1.393 -1.697 -1.496
2.999 4.102 4.612 4.304 4.494 2.999 4.052 4.562 4.254 4.444 2.999 2.367 2.877 2.569 2.759 2.999 -1.633 -1.123 -1.431 -1.241
3.000 4.096 4.606 4.298 4.489 3.000 4.046 4.556 4.248 4.439 3.000 2.361 2.871 2.563 2.754 3.000 -1.639 -1.129 -1.437 -1.246
3.124 3.500 4.000 3.689 3.869 3.124 3.450 3.950 3.639 3.819 3.124 1.555 2.055 1.744 1.924 3.124 -2.545 -2.045 -2.356 -2.176
3.125 3.494 3.995 3.683 3.864 3.125 3.444 3.945 3.633 3.814 3.125 1.549 2.050 1.738 1.919 3.125 -2.551 -2.050 -2.362 -2.181
3.250 2.825 3.324 3.013 3.208 3.250 2.605 3.104 2.793 2.988 3.250 0.850 1.349 1.038 1.233 3.250 -3.250 -2.751 -3.062 -2.867
3.374 2.436 2.911 2.591 2.769 3.374 2.386 2.861 2.541 2.719 3.374 0.471 0.946 0.626 0.804 3.374 -3.189 -2.714 -3.034 -2.856
3.375 2.431 2.906 2.586 2.764 3.375 2.381 2.856 2.536 2.714 3.375 0.466 0.941 0.621 0.799 3.375 -3.194 -2.719 -3.039 -2.861
3.499 2.180 2.642 2.317 2.487 3.499 2.130 2.592 2.267 2.437 3.499 0.265 0.727 0.402 0.572 3.499 -3.275 -2.813 -3.138 -2.968
3.500 2.175 2.637 2.311 2.482 3.500 2.125 2.587 2.261 2.432 3.500 0.260 0.722 0.396 0.567 3.500 -3.280 -2.818 -3.144 -2.973
3.625 1.971 2.442 2.122 2.292 3.625 1.921 2.392 2.072 2.242 3.625 0.206 0.677 0.357 0.527 3.625 -3.294 -2.823 -3.143 -2.973
3.749 2.389 2.874 2.562 2.704 3.749 2.366 2.851 2.539 2.681 3.749 0.641 1.126 0.814 0.956 3.749 -2.879 -2.394 -2.706 -2.564
3.750 2.395 2.879 2.568 2.709 3.750 2.372 2.856 2.545 2.686 3.750 0.647 1.131 0.820 0.961 3.750 -2.873 -2.389 -2.700 -2.559
3.874 2.261 2.754 2.446 2.585 3.874 2.211 2.704 2.396 2.535 3.874 0.636 1.129 0.821 0.960 3.874 -2.924 -2.431 -2.739 -2.600
3.875 2.256 2.775 2.467 2.606 3.875 2.206 2.725 2.417 2.556 3.875 0.631 1.150 0.842 0.981 3.875 -2.929 -2.410 -2.718 -2.579
3.999 1.876 2.377 2.070 2.208 3.999 1.826 2.327 2.020 2.158 3.999 0.441 0.942 0.635 0.773 3.999 -3.299 -2.798 -3.105 -2.967
4.000 1.871 2.393 2.102 2.260 4.000 1.821 2.343 2.052 2.210 4.000 0.436 0.958 0.667 0.825 4.000 -3.304 -2.782 -3.073 -2.915
4.125 1.839 2.331 2.024 2.162 4.125 1.789 2.281 1.974 2.112 4.125 0.674 1.166 0.859 0.997 4.125 -3.196 -2.704 -3.011 -2.873
4.250 2.426 2.864 2.536 2.634 4.250 2.376 2.814 2.486 2.584 4.250 0.801 1.239 0.911 1.009 4.250 -2.959 -2.521 -2.849 -2.751
4.375 2.224 2.659 2.331 2.482 4.375 2.174 2.609 2.281 2.432 4.375 0.989 1.424 1.096 1.247 4.375 -3.001 -2.566 -2.894 -2.743
> 150K <= 175K > 175K <= 200K > 200K <= 225K > 225K <= 250KRate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day
2.250 0.829 1.398 1.110 1.363 2.250 0.424 0.993 0.705 0.958 2.250 0.139 0.708 0.420 0.673 2.250 0.184 0.753 0.465 0.718
2.375 -0.001 0.562 0.272 0.517 2.375 -0.406 0.157 -0.133 0.112 2.375 -0.641 -0.078 -0.368 -0.123 2.375 -0.596 -0.033 -0.323 -0.078
2.500 -0.736 -0.183 -0.477 -0.241 2.500 -1.141 -0.588 -0.882 -0.646 2.500 -1.376 -0.823 -1.117 -0.881 2.500 -1.331 -0.778 -1.072 -0.836
2.625 -1.302 -0.763 -1.062 -0.839 2.625 -1.677 -1.138 -1.437 -1.214 2.625 -1.632 -1.093 -1.392 -1.169 2.625 -1.587 -1.048 -1.347 -1.124
2.750 -1.838 -1.304 -1.604 -1.391 2.750 -1.833 -1.299 -1.599 -1.386 2.750 -1.658 -1.095 -1.435 -1.243 2.750 -1.563 -1.029 -1.329 -1.116
2.875 -2.256 -1.733 -2.037 -1.836 2.875 -2.311 -1.788 -2.092 -1.891 2.875 -2.128 -1.573 -1.897 -1.708 2.875 -2.051 -1.528 -1.832 -1.631
2.999 -2.373 -1.863 -2.171 -1.981 2.999 -2.498 -1.988 -2.296 -2.106 2.999 -2.565 -1.995 -2.329 -2.142 2.999 -2.395 -1.825 -2.159 -1.972
3.000 -2.379 -1.869 -2.177 -1.986 3.000 -2.504 -1.994 -2.302 -2.111 3.000 -2.452 -1.882 -2.216 -2.029 3.000 -2.334 -1.824 -2.132 -1.941
3.124 -2.625 -2.125 -2.436 -2.256 3.124 -2.670 -2.170 -2.481 -2.301 3.124 -2.805 -2.300 -2.616 -2.436 3.124 -2.661 -2.090 -2.425 -2.238
3.125 -2.631 -2.130 -2.442 -2.261 3.125 -2.676 -2.175 -2.487 -2.306 3.125 -2.811 -2.310 -2.622 -2.441 3.125 -2.612 -2.065 -2.377 -2.196
3.250 -2.910 -2.411 -2.722 -2.527 3.250 -2.975 -2.476 -2.787 -2.592 3.250 -3.060 -2.561 -2.872 -2.677 3.250 -2.893 -2.384 -2.710 -2.559
3.374 -3.309 -2.834 -3.154 -2.976 3.374 -3.324 -2.849 -3.169 -2.991 3.374 -3.409 -2.934 -3.254 -3.076 3.374 -3.222 -2.709 -3.031 -2.882
3.375 -3.314 -2.839 -3.159 -2.981 3.375 -3.329 -2.854 -3.174 -2.996 3.375 -3.414 -2.939 -3.259 -3.081 3.375 -3.186 -2.694 -3.014 -2.847
3.499 -3.645 -3.183 -3.508 -3.338 3.499 -3.700 -3.238 -3.563 -3.393 3.499 -3.545 -3.083 -3.408 -3.238 3.499 -3.438 -2.922 -3.243 -3.095
3.500 -3.650 -3.188 -3.514 -3.343 3.500 -3.705 -3.243 -3.569 -3.398 3.500 -3.550 -3.088 -3.414 -3.243 3.500 -3.385 -2.870 -3.191 -3.043
3.625 -3.774 -3.303 -3.623 -3.453 3.625 -3.919 -3.448 -3.768 -3.598 3.625 -3.764 -3.293 -3.613 -3.443 3.625 -3.633 -3.118 -3.438 -3.291
3.749 -3.419 -2.934 -3.246 -3.104 3.749 -3.364 -2.879 -3.191 -3.049 3.749 -3.249 -2.764 -3.076 -2.934 3.749 -3.204 -2.719 -3.031 -2.889
3.750 -3.413 -2.929 -3.240 -3.099 3.750 -3.358 -2.874 -3.185 -3.044 3.750 -3.243 -2.759 -3.070 -2.929 3.750 -3.198 -2.714 -3.025 -2.884
3.874 -3.614 -3.121 -3.429 -3.290 3.874 -3.539 -3.046 -3.354 -3.215 3.874 -3.494 -3.001 -3.309 -3.170 3.874 -3.449 -2.956 -3.264 -3.125
3.875 -3.619 -3.100 -3.408 -3.269 3.875 -3.544 -3.025 -3.333 -3.194 3.875 -3.499 -2.980 -3.288 -3.149 3.875 -3.454 -2.935 -3.243 -3.104
3.999 -3.729 -3.228 -3.535 -3.397 3.999 -3.764 -3.263 -3.570 -3.432 3.999 -3.779 -3.278 -3.585 -3.447 3.999 -3.734 -3.233 -3.540 -3.402
4.000 -3.734 -3.212 -3.503 -3.345 4.000 -3.769 -3.247 -3.538 -3.380 4.000 -3.784 -3.262 -3.553 -3.395 4.000 -3.739 -3.217 -3.508 -3.350
4.125 -3.616 -3.124 -3.431 -3.293 4.125 -3.069 -2.577 -2.884 -2.746 4.125 -3.626 -3.134 -3.441 -3.303 4.125 -3.581 -3.089 -3.396 -3.258
4.250 -3.069 -2.631 -2.959 -2.861 4.250 -2.714 -2.276 -2.604 -2.506 4.250 -2.849 -2.411 -2.739 -2.641 4.250 -2.804 -2.366 -2.694 -2.596
4.375 -3.031 -2.596 -2.924 -2.773 4.375 -3.066 -2.631 -2.959 -2.808 4.375 -3.041 -2.606 -2.934 -2.783 4.375 -2.996 -2.561 -2.889 -2.738
Conf 11-15 Fixed Max Net Rebate SB: -4.50
<= 85K > 85K <= 110K > 110K <= 125K > 125K <= 150KRate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day
1.750 2.582 2.995 2.733 2.793 1.750 2.582 2.995 2.733 2.793 1.750 2.582 2.995 2.733 2.793 1.750 2.082 2.495 2.233 2.293
1.875 1.974 2.401 2.142 2.199 1.875 1.974 2.401 2.142 2.199 1.875 1.974 2.401 2.142 2.199 1.875 1.474 1.901 1.642 1.699
1.999 1.365 1.832 1.555 1.632 1.999 1.365 1.832 1.555 1.632 1.999 1.365 1.832 1.555 1.632 1.999 0.865 1.332 1.055 1.132
2.000 1.365 1.826 1.555 1.625 2.000 1.365 1.826 1.555 1.625 2.000 1.365 1.826 1.555 1.625 2.000 0.865 1.326 1.055 1.125
2.125 0.907 1.413 1.094 1.241 2.125 0.907 1.413 1.094 1.241 2.125 0.907 1.413 1.094 1.241 2.125 0.407 0.913 0.594 0.741
2.250 0.384 0.886 0.566 0.733 2.250 0.384 0.886 0.566 0.733 2.250 0.384 0.886 0.566 0.733 2.250 -0.116 0.386 0.066 0.233
2.375 0.075 0.572 0.250 0.414 2.375 0.075 0.572 0.250 0.414 2.375 0.075 0.572 0.250 0.414 2.375 -0.425 0.072 -0.250 -0.086
2.500 -0.402 0.093 -0.228 -0.066 2.500 -0.402 0.093 -0.228 -0.066 2.500 -0.402 0.093 -0.228 -0.066 2.500 -0.902 -0.407 -0.728 -0.566
2.625 -0.606 -0.119 -0.441 -0.318 2.625 -0.606 -0.119 -0.441 -0.318 2.625 -0.606 -0.119 -0.441 -0.318 2.625 -1.106 -0.619 -0.941 -0.818
2.749 -0.881 -0.399 -0.722 -0.601 2.749 -0.881 -0.399 -0.722 -0.601 2.749 -0.881 -0.399 -0.722 -0.601 2.749 -1.381 -0.899 -1.222 -1.101
2.750 -0.887 -0.403 -0.727 -0.605 2.750 -0.887 -0.403 -0.727 -0.605 2.750 -0.887 -0.403 -0.727 -0.605 2.750 -1.387 -0.903 -1.227 -1.105
2.874 -1.152 -0.675 -1.000 -0.882 2.874 -1.152 -0.675 -1.000 -0.882 2.874 -1.152 -0.675 -1.000 -0.882 2.874 -1.652 -1.175 -1.500 -1.382
2.875 -1.157 -0.680 -1.004 -0.887 2.875 -1.157 -0.680 -1.004 -0.887 2.875 -1.157 -0.680 -1.004 -0.887 2.875 -1.657 -1.180 -1.504 -1.387
2.999 -1.328 -0.858 -1.185 -1.069 2.999 -1.328 -0.858 -1.185 -1.069 2.999 -1.328 -0.858 -1.185 -1.069 2.999 -1.828 -1.358 -1.685 -1.569
3.000 -1.333 -0.863 -1.189 -1.073 3.000 -1.333 -0.863 -1.189 -1.073 3.000 -1.333 -0.863 -1.189 -1.073 3.000 -1.833 -1.363 -1.689 -1.573
3.125 -1.183 -0.747 -1.088 -0.975 3.125 -1.183 -0.747 -1.088 -0.975 3.125 -1.183 -0.747 -1.088 -0.975 3.125 -1.683 -1.247 -1.588 -1.475
3.249 -1.409 -0.942 -1.283 -1.173 3.249 -1.409 -0.942 -1.283 -1.173 3.249 -1.409 -0.942 -1.283 -1.173 3.249 -1.909 -1.442 -1.783 -1.673
3.250 -1.387 -0.921 -1.261 -1.151 3.250 -1.387 -0.921 -1.261 -1.151 3.250 -1.387 -0.921 -1.261 -1.151 3.250 -1.887 -1.421 -1.761 -1.651
3.375 -1.644 -1.212 -1.552 -1.442 3.375 -1.644 -1.212 -1.552 -1.442 3.375 -1.644 -1.212 -1.552 -1.442 3.375 -2.144 -1.712 -2.052 -1.942
3.499 -1.742 -1.274 -1.613 -1.504 3.499 -1.742 -1.274 -1.613 -1.504 3.499 -1.742 -1.274 -1.613 -1.504 3.499 -2.242 -1.774 -2.113 -2.004
3.500 -1.711 -1.255 -1.596 -1.487 3.500 -1.711 -1.255 -1.596 -1.487 3.500 -1.711 -1.255 -1.596 -1.487 3.500 -2.211 -1.755 -2.096 -1.987
3.625 -1.021 -0.614 -0.963 -0.871 3.625 -1.021 -0.614 -0.963 -0.871 3.625 -1.021 -0.614 -0.963 -0.871 3.625 -1.521 -1.114 -1.463 -1.371
> 150K <= 175K > 175K <= 200K > 200K <= 225K > 225K <= 250KRate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day
1.750 1.982 2.395 2.133 2.193 1.750 1.232 1.645 1.383 1.443 1.750 1.117 1.530 1.268 1.328 1.750 1.117 1.530 1.268 1.328
1.875 1.374 1.801 1.542 1.599 1.875 0.624 1.051 0.792 0.849 1.875 0.509 0.936 0.677 0.734 1.875 0.509 0.936 0.677 0.734
1.999 0.765 1.232 0.955 1.032 1.999 0.015 0.482 0.205 0.282 1.999 -0.100 0.367 0.090 0.167 1.999 -0.100 0.367 0.090 0.167
2.000 0.765 1.226 0.955 1.025 2.000 0.015 0.476 0.205 0.275 2.000 -0.100 0.361 0.090 0.160 2.000 -0.100 0.361 0.090 0.160
2.125 0.307 0.813 0.494 0.641 2.125 -0.443 0.063 -0.256 -0.109 2.125 -0.558 -0.052 -0.371 -0.224 2.125 -0.558 -0.052 -0.371 -0.224
2.250 -0.216 0.286 -0.034 0.133 2.250 -0.966 -0.464 -0.784 -0.617 2.250 -1.081 -0.579 -0.899 -0.732 2.250 -1.081 -0.579 -0.899 -0.732
2.375 -0.525 -0.028 -0.350 -0.186 2.375 -1.275 -0.778 -1.100 -0.936 2.375 -1.490 -0.993 -1.315 -1.151 2.375 -1.490 -0.993 -1.315 -1.151
2.500 -1.002 -0.507 -0.828 -0.666 2.500 -1.752 -1.257 -1.578 -1.416 2.500 -1.967 -1.472 -1.793 -1.631 2.500 -1.967 -1.472 -1.793 -1.631
2.625 -1.206 -0.719 -1.041 -0.918 2.625 -1.956 -1.469 -1.791 -1.668 2.625 -2.171 -1.684 -2.006 -1.883 2.625 -2.171 -1.684 -2.006 -1.883
2.749 -1.481 -0.999 -1.322 -1.201 2.749 -2.231 -1.749 -2.072 -1.951 2.749 -2.446 -1.964 -2.287 -2.166 2.749 -2.446 -1.964 -2.287 -2.166
2.750 -1.487 -1.003 -1.327 -1.205 2.750 -2.237 -1.753 -2.077 -1.955 2.750 -2.452 -1.968 -2.292 -2.170 2.750 -2.452 -1.968 -2.292 -2.170
2.874 -1.752 -1.275 -1.600 -1.482 2.874 -2.502 -2.025 -2.350 -2.232 2.874 -2.717 -2.240 -2.565 -2.447 2.874 -2.717 -2.240 -2.565 -2.447
2.875 -1.757 -1.280 -1.604 -1.487 2.875 -2.507 -2.030 -2.354 -2.237 2.875 -2.722 -2.245 -2.569 -2.452 2.875 -2.722 -2.245 -2.569 -2.452
2.999 -1.928 -1.458 -1.785 -1.669 2.999 -2.678 -2.208 -2.535 -2.419 2.999 -2.853 -2.383 -2.710 -2.594 2.999 -2.853 -2.383 -2.710 -2.594
3.000 -1.933 -1.463 -1.789 -1.673 3.000 -2.683 -2.213 -2.539 -2.423 3.000 -2.858 -2.388 -2.714 -2.598 3.000 -2.858 -2.388 -2.714 -2.598
3.125 -1.783 -1.347 -1.688 -1.575 3.125 -2.533 -2.097 -2.438 -2.325 3.125 -2.738 -2.302 -2.643 -2.530 3.125 -2.738 -2.302 -2.643 -2.530
3.249 -2.009 -1.542 -1.883 -1.773 3.249 -2.759 -2.292 -2.633 -2.523 3.249 -2.934 -2.467 -2.808 -2.698 3.249 -2.934 -2.467 -2.808 -2.698
3.250 -1.987 -1.521 -1.861 -1.751 3.250 -2.737 -2.271 -2.611 -2.501 3.250 -2.912 -2.446 -2.786 -2.676 3.250 -2.912 -2.446 -2.786 -2.676
3.375 -2.244 -1.812 -2.152 -2.042 3.375 -2.994 -2.562 -2.902 -2.792 3.375 -3.159 -2.727 -3.067 -2.957 3.375 -3.159 -2.727 -3.067 -2.957
3.499 -2.342 -1.874 -2.213 -2.104 3.499 -3.092 -2.624 -2.963 -2.854 3.499 -3.287 -2.819 -3.158 -3.049 3.499 -3.287 -2.819 -3.158 -3.049
3.500 -2.311 -1.855 -2.196 -2.087 3.500 -3.061 -2.605 -2.946 -2.837 3.500 -3.256 -2.800 -3.141 -3.032 3.500 -3.256 -2.800 -3.141 -3.032
3.625 -1.621 -1.214 -1.563 -1.471 3.625 -2.371 -1.964 -2.313 -2.221 3.625 -2.566 -2.159 -2.508 -2.416 3.625 -2.566 -2.159 -2.508 -2.416
8/7/2020
Indications Only
6 of 17
Lock Desk(833) 769-3710 (open 7am to 5pm PT)
Effective Date: www.PennyMacBrokerDirect.com
Rates subject to change without notice
Low Balance Indicative Rates
FHA 16-30 Fixed Max Net Rebate SB: -5.00
<= 85K > 85K <= 110K > 110K <= 125K > 125K <= 150KRate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day
2.250 1.143 1.258 1.339 1.524 2.250 1.143 1.258 1.339 1.524 2.250 1.193 1.308 1.389 1.574 2.250 0.943 1.058 1.139 1.324
2.375 0.625 0.739 0.820 1.005 2.375 0.625 0.739 0.820 1.005 2.375 0.675 0.789 0.870 1.055 2.375 0.425 0.539 0.620 0.805
2.500 0.167 0.282 0.363 0.547 2.500 0.167 0.282 0.363 0.547 2.500 0.217 0.332 0.413 0.597 2.500 -0.033 0.082 0.163 0.347
2.625 -0.210 -0.095 -0.014 0.171 2.625 -0.210 -0.095 -0.014 0.171 2.625 -0.160 -0.045 0.036 0.221 2.625 -0.410 -0.295 -0.214 -0.029
2.750 -0.547 -0.412 -0.362 -0.148 2.750 -0.547 -0.412 -0.362 -0.148 2.750 -0.497 -0.362 -0.312 -0.098 2.750 -0.847 -0.712 -0.662 -0.448
2.875 -0.950 -0.814 -0.764 -0.550 2.875 -0.950 -0.814 -0.764 -0.550 2.875 -0.900 -0.764 -0.714 -0.500 2.875 -1.350 -1.214 -1.164 -0.950
3.000 -1.283 -1.148 -1.097 -0.884 3.000 -1.283 -1.148 -1.097 -0.884 3.000 -1.233 -1.098 -1.047 -0.834 3.000 -1.853 -1.718 -1.667 -1.454
3.060 -1.285 -1.150 -1.099 -0.886 3.060 -1.795 -1.660 -1.609 -1.396 3.060 -1.335 -1.200 -1.149 -0.936 3.060 -1.605 -1.470 -1.419 -1.206
3.125 -1.421 -1.285 -1.235 -1.021 3.125 -1.931 -1.795 -1.745 -1.531 3.125 -1.471 -1.335 -1.285 -1.071 3.125 -1.741 -1.605 -1.555 -1.341
3.250 -0.799 -0.642 -0.669 -0.425 3.250 -1.189 -1.032 -1.059 -0.815 3.250 -1.159 -1.002 -1.029 -0.785 3.250 -1.379 -1.222 -1.249 -1.005
3.375 -1.049 -0.893 -0.920 -0.676 3.375 -1.439 -1.283 -1.310 -1.066 3.375 -0.879 -0.723 -0.750 -0.506 3.375 -1.459 -1.303 -1.330 -1.086
3.500 -1.400 -1.244 -1.271 -1.026 3.500 -1.590 -1.434 -1.461 -1.216 3.500 -1.380 -1.224 -1.251 -1.006 3.500 -1.660 -1.504 -1.531 -1.286
3.560 -1.462 -1.306 -1.333 -1.089 3.560 -1.562 -1.406 -1.433 -1.189 3.560 -1.442 -1.286 -1.313 -1.069 3.560 -1.582 -1.426 -1.453 -1.209
3.625 -1.602 -1.446 -1.473 -1.229 3.625 -1.702 -1.546 -1.573 -1.329 3.625 -1.582 -1.426 -1.453 -1.209 3.625 -1.722 -1.566 -1.593 -1.349
3.750 -0.387 -0.210 -0.455 -0.181 3.750 -0.387 -0.210 -0.455 -0.181 3.750 -1.117 -0.940 -1.185 -0.911 3.750 -0.987 -0.810 -1.055 -0.781
3.875 -0.588 -0.411 -0.656 -0.381 3.875 -0.588 -0.411 -0.656 -0.381 3.875 -1.318 -1.141 -1.386 -1.111 3.875 -1.188 -1.011 -1.256 -0.981
4.000 -0.792 -0.615 -0.860 -0.585 4.000 -0.792 -0.615 -0.860 -0.585 4.000 -0.622 -0.445 -0.690 -0.415 4.000 -0.942 -0.765 -1.010 -0.735
4.125 -0.779 -0.602 -0.847 -0.572 4.125 -0.779 -0.602 -0.847 -0.572 4.125 -0.609 -0.432 -0.677 -0.402 4.125 -0.929 -0.752 -0.997 -0.722
4.250 -1.709 -1.511 -1.787 -1.482 4.250 -1.709 -1.511 -1.787 -1.482 4.250 -1.539 -1.341 -1.617 -1.312 4.250 -1.859 -1.661 -1.937 -1.632
4.375 -1.849 -1.651 -1.927 -1.621 4.375 -1.849 -1.651 -1.927 -1.621 4.375 -1.679 -1.481 -1.757 -1.451 4.375 -1.999 -1.801 -2.077 -1.771
4.500 -1.514 -1.316 -1.592 -1.287 4.500 -1.514 -1.316 -1.592 -1.287 4.500 -1.464 -1.266 -1.542 -1.237 4.500 -1.714 -1.516 -1.792 -1.487
> 150K <= 175K > 175K <= 200K > 200K <=225K > 225K <=250KRate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day
2.250 0.943 1.058 1.139 1.324 2.250 0.583 0.698 0.779 0.964 2.250 1.178 1.293 1.374 1.559 2.250 1.178 1.293 1.374 1.559
2.375 0.425 0.539 0.620 0.805 2.375 0.065 0.179 0.260 0.445 2.375 0.660 0.774 0.855 1.040 2.375 0.660 0.774 0.855 1.040
2.500 -0.033 0.082 0.163 0.347 2.500 -0.393 -0.278 -0.197 -0.013 2.500 0.602 0.717 0.798 0.982 2.500 0.602 0.717 0.798 0.982
2.625 -0.410 -0.295 -0.214 -0.029 2.625 -0.770 -0.655 -0.574 -0.389 2.625 0.225 0.340 0.421 0.606 2.625 0.225 0.340 0.421 0.606
2.750 -0.465 -0.330 -0.279 -0.065 2.750 -0.775 -0.640 -0.589 -0.375 2.750 -0.840 -0.705 -0.654 -0.440 2.750 -0.840 -0.705 -0.654 -0.440
2.875 -1.227 -1.092 -1.041 -0.827 2.875 -1.327 -1.192 -1.141 -0.927 2.875 -1.392 -1.257 -1.206 -0.992 2.875 -1.392 -1.257 -1.206 -0.992
3.000 -1.525 -1.389 -1.339 -1.124 3.000 -1.763 -1.627 -1.577 -1.362 3.000 -1.676 -1.540 -1.490 -1.275 3.000 -1.676 -1.540 -1.490 -1.275
3.060 -1.443 -1.307 -1.257 -1.042 3.060 -1.227 -1.091 -1.041 -0.826 3.060 -1.578 -1.442 -1.392 -1.177 3.060 -1.578 -1.442 -1.392 -1.177
3.125 -1.578 -1.443 -1.392 -1.178 3.125 -1.362 -1.227 -1.176 -0.962 3.125 -1.713 -1.578 -1.527 -1.313 3.125 -1.713 -1.578 -1.527 -1.313
3.250 -1.579 -1.422 -1.449 -1.205 3.250 -0.806 -0.650 -0.677 -0.423 3.250 -0.871 -0.715 -0.742 -0.488 3.250 -0.871 -0.715 -0.742 -0.488
3.375 -1.189 -1.033 -1.060 -0.816 3.375 -1.157 -1.001 -1.028 -0.774 3.375 -0.782 -0.626 -0.653 -0.399 3.375 -0.782 -0.626 -0.653 -0.399
3.500 -1.820 -1.664 -1.691 -1.446 3.500 -1.427 -1.271 -1.298 -1.044 3.500 -1.452 -1.296 -1.323 -1.069 3.500 -1.452 -1.296 -1.323 -1.069
3.560 -1.752 -1.596 -1.623 -1.379 3.560 -1.130 -0.974 -1.001 -0.747 3.560 -1.555 -1.399 -1.426 -1.172 3.560 -1.555 -1.399 -1.426 -1.172
3.625 -1.892 -1.736 -1.763 -1.519 3.625 -1.270 -1.114 -1.141 -0.887 3.625 -1.695 -1.539 -1.566 -1.312 3.625 -1.695 -1.539 -1.566 -1.312
3.750 -1.037 -0.860 -1.105 -0.831 3.750 -0.567 -0.390 -0.635 -0.361 3.750 -0.722 -0.545 -0.790 -0.516 3.750 -0.722 -0.545 -0.790 -0.516
3.875 -1.238 -1.061 -1.306 -1.031 3.875 -0.548 -0.371 -0.616 -0.341 3.875 -0.663 -0.486 -0.731 -0.456 3.875 -0.663 -0.486 -0.731 -0.456
4.000 -0.992 -0.815 -1.060 -0.785 4.000 -0.942 -0.765 -1.010 -0.735 4.000 -0.857 -0.680 -0.925 -0.650 4.000 -0.857 -0.680 -0.925 -0.650
4.125 -0.979 -0.802 -1.047 -0.772 4.125 -0.929 -0.752 -0.997 -0.722 4.125 -0.794 -0.617 -0.862 -0.587 4.125 -0.794 -0.617 -0.862 -0.587
4.250 -1.909 -1.711 -1.987 -1.682 4.250 -1.859 -1.661 -1.937 -1.632 4.250 -1.674 -1.476 -1.752 -1.447 4.250 -1.674 -1.476 -1.752 -1.447
4.375 -2.049 -1.851 -2.127 -1.821 4.375 -1.999 -1.801 -2.077 -1.771 4.375 -1.814 -1.616 -1.892 -1.586 4.375 -1.814 -1.616 -1.892 -1.586
4.500 -1.714 -1.516 -1.792 -1.487 4.500 -1.664 -1.466 -1.742 -1.437 4.500 -1.479 -1.281 -1.557 -1.252 4.500 -1.479 -1.281 -1.557 -1.252
FHA 16-30 Fixed Stream Max Net Rebate SB: -5.00
<= 85K > 85K <= 110K > 110K <= 125K > 125K <= 150KRate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day
2.250 2.773 2.888 2.969 3.154 2.250 2.573 2.688 2.769 2.954 2.250 1.223 1.338 1.419 1.604 2.250 1.173 1.288 1.369 1.554
2.375 2.255 2.369 2.450 2.635 2.375 2.055 2.169 2.250 2.435 2.375 0.705 0.819 0.900 1.085 2.375 0.655 0.769 0.850 1.035
2.500 1.797 1.912 1.993 2.177 2.500 1.597 1.712 1.793 1.977 2.500 0.247 0.362 0.443 0.627 2.500 0.197 0.312 0.393 0.577
2.625 1.420 1.535 1.616 1.801 2.625 1.220 1.335 1.416 1.601 2.625 -0.130 -0.015 0.066 0.251 2.625 -0.180 -0.065 0.016 0.201
2.750 1.033 1.168 1.218 1.432 2.750 0.833 0.968 1.018 1.232 2.750 -0.517 -0.382 -0.332 -0.118 2.750 -0.667 -0.532 -0.482 -0.268
2.875 0.610 0.746 0.796 1.010 2.875 0.410 0.546 0.596 0.810 2.875 -0.940 -0.804 -0.754 -0.540 2.875 -1.190 -1.054 -1.004 -0.790
3.000 0.223 0.358 0.409 0.622 3.000 0.023 0.158 0.209 0.422 3.000 -1.327 -1.192 -1.141 -0.928 3.000 -1.747 -1.612 -1.561 -1.348
3.060 0.245 0.380 0.431 0.644 3.060 -0.465 -0.330 -0.279 -0.066 3.060 -1.405 -1.270 -1.219 -1.006 3.060 -1.475 -1.340 -1.289 -1.076
3.125 0.109 0.245 0.295 0.509 3.125 -0.601 -0.465 -0.415 -0.201 3.125 -1.541 -1.405 -1.355 -1.141 3.125 -1.611 -1.475 -1.425 -1.211
3.250 0.571 0.728 0.701 0.945 3.250 -0.019 0.138 0.111 0.355 3.250 -1.389 -1.232 -1.259 -1.015 3.250 -1.409 -1.252 -1.279 -1.035
3.375 0.341 0.497 0.470 0.714 3.375 -0.249 -0.093 -0.120 0.124 3.375 -1.089 -0.933 -0.960 -0.716 3.375 -1.469 -1.313 -1.340 -1.096
3.500 0.130 0.286 0.259 0.504 3.500 -0.260 -0.104 -0.131 0.114 3.500 -1.450 -1.294 -1.321 -1.076 3.500 -1.530 -1.374 -1.401 -1.156
3.560 0.168 0.324 0.297 0.541 3.560 -0.132 0.024 -0.003 0.241 3.560 -1.412 -1.256 -1.283 -1.039 3.560 -1.352 -1.196 -1.223 -0.979
3.625 0.028 0.184 0.157 0.401 3.625 -0.272 -0.116 -0.143 0.101 3.625 -1.552 -1.396 -1.423 -1.179 3.625 -1.492 -1.336 -1.363 -1.119
3.750 1.183 1.360 1.115 1.389 3.750 0.983 1.160 0.915 1.189 3.750 -1.147 -0.970 -1.215 -0.941 3.750 -0.817 -0.640 -0.885 -0.611
3.875 0.982 1.159 0.914 1.189 3.875 0.782 0.959 0.714 0.989 3.875 -1.348 -1.171 -1.416 -1.141 3.875 -1.018 -0.841 -1.086 -0.811
4.000 0.788 0.965 0.720 0.995 4.000 0.588 0.765 0.520 0.795 4.000 -0.642 -0.465 -0.710 -0.435 4.000 -0.762 -0.585 -0.830 -0.555
4.125 1.351 1.528 1.283 1.558 4.125 1.151 1.328 1.083 1.358 4.125 -0.079 0.098 -0.147 0.128 4.125 -0.199 -0.022 -0.267 0.008
4.250 0.321 0.519 0.243 0.548 4.250 0.121 0.319 0.043 0.348 4.250 -1.109 -0.911 -1.187 -0.882 4.250 -1.229 -1.031 -1.307 -1.002
4.375 0.181 0.379 0.103 0.409 4.375 -0.019 0.179 -0.097 0.209 4.375 -1.249 -1.051 -1.327 -1.021 4.375 -1.369 -1.171 -1.447 -1.141
4.500 0.516 0.714 0.438 0.743 4.500 0.316 0.514 0.238 0.543 4.500 -1.034 -0.836 -1.112 -0.807 4.500 -1.084 -0.886 -1.162 -0.857
> 150K <= 175K > 175K <= 200K > 200K <=225K > 225K <=250KRate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day
2.250 0.373 0.488 0.569 0.754 2.250 -0.687 -0.572 -0.491 -0.306 2.250 -1.572 -1.457 -1.376 -1.191 2.250 -1.572 -1.457 -1.376 -1.191
2.375 -0.145 -0.031 0.050 0.235 2.375 -1.205 -1.091 -1.010 -0.825 2.375 -2.090 -1.976 -1.895 -1.710 2.375 -2.090 -1.976 -1.895 -1.710
2.500 -0.603 -0.488 -0.407 -0.223 2.500 -1.823 -1.708 -1.627 -1.443 2.500 -2.598 -2.483 -2.402 -2.218 2.500 -2.598 -2.483 -2.402 -2.218
2.625 -0.980 -0.865 -0.784 -0.599 2.625 -2.200 -2.085 -2.004 -1.819 2.625 -2.875 -2.760 -2.679 -2.494 2.625 -2.875 -2.760 -2.679 -2.494
2.750 -1.085 -0.950 -0.899 -0.685 2.750 -2.235 -2.100 -2.049 -1.835 2.750 -3.020 -2.885 -2.834 -2.620 2.750 -3.020 -2.885 -2.834 -2.620
2.875 -1.867 -1.732 -1.681 -1.467 2.875 -2.387 -2.252 -2.201 -1.987 2.875 -3.262 -3.127 -3.076 -2.862 2.875 -3.262 -3.127 -3.076 -2.862
3.000 -2.219 -2.083 -2.033 -1.818 3.000 -2.787 -2.651 -2.601 -2.386 3.000 -3.480 -3.344 -3.294 -3.079 3.000 -3.480 -3.344 -3.294 -3.079
3.060 -2.113 -1.977 -1.927 -1.712 3.060 -2.227 -2.091 -2.041 -1.826 3.060 -3.584 -3.448 -3.398 -3.183 3.060 -3.584 -3.448 -3.398 -3.183
3.125 -2.248 -2.113 -2.062 -1.848 3.125 -2.362 -2.227 -2.176 -1.962 3.125 -3.719 -3.584 -3.533 -3.319 3.125 -3.719 -3.584 -3.533 -3.319
3.250 -2.409 -2.252 -2.279 -2.035 3.250 -2.126 -1.970 -1.997 -1.743 3.250 -3.041 -2.885 -2.912 -2.658 3.250 -3.041 -2.885 -2.912 -2.658
3.375 -1.999 -1.843 -1.870 -1.626 3.375 -2.017 -1.861 -1.888 -1.634 3.375 -3.102 -2.946 -2.973 -2.719 3.375 -3.142 -2.986 -3.013 -2.759
3.500 -2.490 -2.334 -2.361 -2.116 3.500 -2.437 -2.281 -2.308 -2.054 3.500 -3.352 -3.196 -3.223 -2.969 3.500 -3.352 -3.196 -3.223 -2.969
3.560 -2.322 -2.166 -2.193 -1.949 3.560 -2.310 -2.154 -2.181 -1.927 3.560 -3.455 -3.299 -3.326 -3.072 3.560 -3.455 -3.299 -3.326 -3.072
3.625 -2.462 -2.306 -2.333 -2.089 3.625 -2.450 -2.294 -2.321 -2.067 3.625 -3.595 -3.439 -3.466 -3.212 3.625 -3.595 -3.439 -3.466 -3.212
3.750 -1.667 -1.490 -1.735 -1.461 3.750 -1.647 -1.470 -1.715 -1.441 3.750 -2.632 -2.455 -2.700 -2.426 3.750 -2.632 -2.455 -2.700 -2.426
3.875 -1.868 -1.691 -1.936 -1.661 3.875 -1.848 -1.671 -1.916 -1.641 3.875 -2.943 -2.766 -3.011 -2.736 3.875 -2.943 -2.766 -3.011 -2.736
4.000 -1.612 -1.435 -1.680 -1.405 4.000 -1.642 -1.465 -1.710 -1.435 4.000 -2.857 -2.680 -2.925 -2.650 4.000 -2.857 -2.680 -2.925 -2.650
4.125 -1.049 -0.872 -1.117 -0.842 4.125 -1.079 -0.902 -1.147 -0.872 4.125 -2.294 -2.117 -2.362 -2.087 4.125 -2.294 -2.117 -2.362 -2.087
4.250 -2.079 -1.881 -2.157 -1.852 4.250 -2.109 -1.911 -2.187 -1.882 4.250 -3.324 -3.126 -3.402 -3.097 4.250 -3.324 -3.126 -3.402 -3.097
4.375 -2.219 -2.021 -2.297 -1.991 4.375 -2.249 -2.051 -2.327 -2.021 4.375 -3.464 -3.266 -3.542 -3.236 4.375 -3.464 -3.266 -3.542 -3.236
4.500 -1.884 -1.686 -1.962 -1.657 4.500 -1.914 -1.716 -1.992 -1.687 4.500 -3.129 -2.931 -3.207 -2.902 4.500 -3.129 -2.931 -3.207 -2.902
8/7/2020
Indications Only
7 of 17
Lock Desk(833) 769-3710 (open 7am to 5pm PT)
Effective Date: www.PennyMacBrokerDirect.com
Rates subject to change without notice
Low Balance Indicative Rates
8/7/2020
Indications Only
FHA 10-15 Fixed Max Net Rebate SB: -5.00 FHA 10-15 Fixed Stream Max Net Rebate SB: -5.00
<= 85K > 85K <= 110K <= 85K > 85K <= 110KRate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day
2.250 0.231 0.406 0.372 0.601 2.250 0.181 0.356 0.322 0.551 2.250 0.106 0.281 0.247 0.476 2.250 0.056 0.231 0.197 0.426
2.375 -0.130 0.045 0.012 0.240 2.375 -0.180 -0.005 -0.038 0.190 2.375 -0.255 -0.080 -0.113 0.115 2.375 -0.305 -0.130 -0.163 0.065
2.500 -0.457 -0.282 -0.315 -0.087 2.500 -0.507 -0.332 -0.365 -0.137 2.500 -0.582 -0.407 -0.440 -0.212 2.500 -0.632 -0.457 -0.490 -0.262
2.625 -0.753 -0.577 -0.611 -0.383 2.625 -0.803 -0.627 -0.661 -0.433 2.625 -0.878 -0.702 -0.736 -0.508 2.625 -0.928 -0.752 -0.786 -0.558
2.750 -1.487 -1.366 -1.389 -1.199 2.750 -1.537 -1.416 -1.439 -1.249 2.750 -1.612 -1.491 -1.514 -1.324 2.750 -1.662 -1.541 -1.564 -1.374
2.875 -1.787 -1.666 -1.689 -1.499 2.875 -1.837 -1.716 -1.739 -1.549 2.875 -1.912 -1.791 -1.814 -1.624 2.875 -1.962 -1.841 -1.864 -1.674
3.000 -2.062 -1.941 -1.964 -1.773 3.000 -2.112 -1.991 -2.014 -1.823 3.000 -2.187 -2.066 -2.089 -1.898 3.000 -2.237 -2.116 -2.139 -1.948
3.125 -2.164 -2.043 -2.066 -1.875 3.125 -2.214 -2.093 -2.116 -1.925 3.125 -2.289 -2.168 -2.191 -2.000 3.125 -2.339 -2.218 -2.241 -2.050
3.250 -0.671 -0.699 -0.711 -0.643 3.250 -0.721 -0.749 -0.761 -0.693 3.250 -0.796 -0.824 -0.836 -0.768 3.250 -0.846 -0.874 -0.886 -0.818
3.375 -0.801 -0.829 -0.841 -0.773 3.375 -0.851 -0.879 -0.891 -0.823 3.375 -0.926 -0.954 -0.966 -0.898 3.375 -0.976 -1.004 -1.016 -0.948
3.500 -1.060 -1.089 -1.100 -1.033 3.500 -1.110 -1.139 -1.150 -1.083 3.500 -1.185 -1.214 -1.225 -1.158 3.500 -1.235 -1.264 -1.275 -1.208
3.625 -0.976 -1.005 -1.016 -0.949 3.625 -1.026 -1.055 -1.066 -0.999 3.625 -1.101 -1.130 -1.141 -1.074 3.625 -1.151 -1.180 -1.191 -1.124
3.750 -0.670 -0.769 -0.769 -0.754 3.750 -0.720 -0.819 -0.819 -0.804 3.750 -0.795 -0.894 -0.894 -0.879 3.750 -0.845 -0.944 -0.944 -0.929
3.875 -0.704 -0.803 -0.803 -0.788 3.875 -0.754 -0.853 -0.853 -0.838 3.875 -0.829 -0.928 -0.928 -0.913 3.875 -0.879 -0.978 -0.978 -0.963
3.990 -0.629 -0.727 -0.728 -0.713 3.990 -0.679 -0.777 -0.778 -0.763 3.990 -0.754 -0.852 -0.853 -0.838 3.990 -0.804 -0.902 -0.903 -0.888
4.000 -0.617 -0.715 -0.716 -0.701 4.000 -0.667 -0.765 -0.766 -0.751 4.000 -0.742 -0.840 -0.841 -0.826 4.000 -0.792 -0.890 -0.891 -0.876
4.125 -0.531 -0.629 -0.629 -0.614 4.125 -0.581 -0.679 -0.679 -0.664 4.125 -0.656 -0.754 -0.754 -0.739 4.125 -0.706 -0.804 -0.804 -0.789
4.250 0.058 0.217 0.228 0.488 4.250 0.008 0.167 0.178 0.438 4.250 -0.067 0.092 0.103 0.363 4.250 -0.117 0.042 0.053 0.313
4.375 0.058 0.217 0.228 0.488 4.375 0.008 0.167 0.178 0.438 4.375 -0.067 0.092 0.103 0.363 4.375 -0.117 0.042 0.053 0.313
4.500 0.058 0.217 0.228 0.488 4.500 0.008 0.167 0.178 0.438 4.500 -0.067 0.092 0.103 0.363 4.500 -0.117 0.042 0.053 0.313
4.625 0.058 0.217 0.228 0.488 4.625 0.008 0.167 0.178 0.438 4.625 -0.067 0.092 0.103 0.363 4.625 -0.117 0.042 0.053 0.313
> 110K <= 125K > 125K <= 150K > 110K <= 125K > 125K <= 150KRate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day
2.250 0.131 0.306 0.272 0.501 2.250 0.081 0.256 0.222 0.451 2.250 0.006 0.181 0.147 0.376 2.250 -0.044 0.131 0.097 0.326
2.375 -0.230 -0.055 -0.088 0.140 2.375 -0.280 -0.105 -0.138 0.090 2.375 -0.355 -0.180 -0.213 0.015 2.375 -0.405 -0.230 -0.263 -0.035
2.500 -0.557 -0.382 -0.415 -0.187 2.500 -0.607 -0.432 -0.465 -0.237 2.500 -0.682 -0.507 -0.540 -0.312 2.500 -0.732 -0.557 -0.590 -0.362
2.625 -0.853 -0.677 -0.711 -0.483 2.625 -0.903 -0.727 -0.761 -0.533 2.625 -0.978 -0.802 -0.836 -0.608 2.625 -1.028 -0.852 -0.886 -0.658
2.750 -1.587 -1.466 -1.489 -1.299 2.750 -1.637 -1.516 -1.539 -1.349 2.750 -1.712 -1.591 -1.614 -1.424 2.750 -1.762 -1.641 -1.664 -1.474
2.875 -1.887 -1.766 -1.789 -1.599 2.875 -1.937 -1.816 -1.839 -1.649 2.875 -2.012 -1.891 -1.914 -1.724 2.875 -2.062 -1.941 -1.964 -1.774
3.000 -2.162 -2.041 -2.064 -1.873 3.000 -2.212 -2.091 -2.114 -1.923 3.000 -2.287 -2.166 -2.189 -1.998 3.000 -2.337 -2.216 -2.239 -2.048
3.125 -2.264 -2.143 -2.166 -1.975 3.125 -2.314 -2.193 -2.216 -2.025 3.125 -2.389 -2.268 -2.291 -2.100 3.125 -2.439 -2.318 -2.341 -2.150
3.250 -0.771 -0.799 -0.811 -0.743 3.250 -0.821 -0.849 -0.861 -0.793 3.250 -0.896 -0.924 -0.936 -0.868 3.250 -0.946 -0.974 -0.986 -0.918
3.375 -0.901 -0.929 -0.941 -0.873 3.375 -0.951 -0.979 -0.991 -0.923 3.375 -1.026 -1.054 -1.066 -0.998 3.375 -1.076 -1.104 -1.116 -1.048
3.500 -1.160 -1.189 -1.200 -1.133 3.500 -1.210 -1.239 -1.250 -1.183 3.500 -1.285 -1.314 -1.325 -1.258 3.500 -1.335 -1.364 -1.375 -1.308
3.625 -1.076 -1.105 -1.116 -1.049 3.625 -1.126 -1.155 -1.166 -1.099 3.625 -1.201 -1.230 -1.241 -1.174 3.625 -1.251 -1.280 -1.291 -1.224
3.750 -0.770 -0.869 -0.869 -0.854 3.750 -0.820 -0.919 -0.919 -0.904 3.750 -0.895 -0.994 -0.994 -0.979 3.750 -0.945 -1.044 -1.044 -1.029
3.875 -0.804 -0.903 -0.903 -0.888 3.875 -0.854 -0.953 -0.953 -0.938 3.875 -0.929 -1.028 -1.028 -1.013 3.875 -0.979 -1.078 -1.078 -1.063
3.990 -0.729 -0.827 -0.828 -0.813 3.990 -0.779 -0.877 -0.878 -0.863 3.990 -0.854 -0.952 -0.953 -0.938 3.990 -0.904 -1.002 -1.003 -0.988
4.000 -0.717 -0.815 -0.816 -0.801 4.000 -0.767 -0.865 -0.866 -0.851 4.000 -0.842 -0.940 -0.941 -0.926 4.000 -0.892 -0.990 -0.991 -0.976
4.125 -0.631 -0.729 -0.729 -0.714 4.125 -0.681 -0.779 -0.779 -0.764 4.125 -0.756 -0.854 -0.854 -0.839 4.125 -0.806 -0.904 -0.904 -0.889
4.250 -0.042 0.117 0.128 0.388 4.250 -0.092 0.067 0.078 0.338 4.250 -0.167 -0.008 0.003 0.263 4.250 -0.217 -0.058 -0.047 0.213
4.375 -0.042 0.117 0.128 0.388 4.375 -0.092 0.067 0.078 0.338 4.375 -0.167 -0.008 0.003 0.263 4.375 -0.217 -0.058 -0.047 0.213
4.500 -0.042 0.117 0.128 0.388 4.500 -0.092 0.067 0.078 0.338 4.500 -0.167 -0.008 0.003 0.263 4.500 -0.217 -0.058 -0.047 0.213
4.625 -0.042 0.117 0.128 0.388 4.625 -0.092 0.067 0.078 0.338 4.625 -0.167 -0.008 0.003 0.263 4.625 -0.217 -0.058 -0.047 0.213
> 150K <= 175K > 175K <= 200K > 150K <= 175K > 175K <= 200KRate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day
2.250 -0.019 0.156 0.122 0.351 2.250 0.031 0.206 0.172 0.401 2.250 -0.144 0.031 -0.003 0.226 2.250 -0.144 0.031 -0.003 0.226
2.375 -0.380 -0.205 -0.238 -0.010 2.375 -0.330 -0.155 -0.188 0.040 2.375 -0.505 -0.330 -0.363 -0.135 2.375 -0.505 -0.330 -0.363 -0.135
2.500 -0.707 -0.532 -0.565 -0.337 2.500 -0.657 -0.482 -0.515 -0.287 2.500 -0.832 -0.657 -0.690 -0.462 2.500 -0.832 -0.657 -0.690 -0.462
2.625 -1.003 -0.827 -0.861 -0.633 2.625 -0.953 -0.777 -0.811 -0.583 2.625 -1.128 -0.952 -0.986 -0.758 2.625 -1.128 -0.952 -0.986 -0.758
2.750 -1.737 -1.616 -1.639 -1.449 2.750 -1.687 -1.566 -1.589 -1.399 2.750 -1.862 -1.741 -1.764 -1.574 2.750 -1.862 -1.741 -1.764 -1.574
2.875 -2.037 -1.916 -1.939 -1.749 2.875 -1.987 -1.866 -1.889 -1.699 2.875 -2.162 -2.041 -2.064 -1.874 2.875 -2.162 -2.041 -2.064 -1.874
3.000 -2.312 -2.191 -2.214 -2.023 3.000 -2.262 -2.141 -2.164 -1.973 3.000 -2.437 -2.316 -2.339 -2.148 3.000 -2.437 -2.316 -2.339 -2.148
3.125 -2.414 -2.293 -2.316 -2.125 3.125 -2.364 -2.243 -2.266 -2.075 3.125 -2.539 -2.418 -2.441 -2.250 3.125 -2.539 -2.418 -2.441 -2.250
3.250 -0.921 -0.949 -0.961 -0.893 3.250 -0.871 -0.899 -0.911 -0.843 3.250 -1.046 -1.074 -1.086 -1.018 3.250 -1.046 -1.074 -1.086 -1.018
3.375 -1.051 -1.079 -1.091 -1.023 3.375 -1.001 -1.029 -1.041 -0.973 3.375 -1.176 -1.204 -1.216 -1.148 3.375 -1.176 -1.204 -1.216 -1.148
3.500 -1.310 -1.339 -1.350 -1.283 3.500 -1.260 -1.289 -1.300 -1.233 3.500 -1.435 -1.464 -1.475 -1.408 3.500 -1.435 -1.464 -1.475 -1.408
3.625 -1.226 -1.255 -1.266 -1.199 3.625 -1.176 -1.205 -1.216 -1.149 3.625 -1.351 -1.380 -1.391 -1.324 3.625 -1.351 -1.380 -1.391 -1.324
3.750 -0.920 -1.019 -1.019 -1.004 3.750 -0.870 -0.969 -0.969 -0.954 3.750 -1.045 -1.144 -1.144 -1.129 3.750 -1.045 -1.144 -1.144 -1.129
3.875 -0.954 -1.053 -1.053 -1.038 3.875 -0.904 -1.003 -1.003 -0.988 3.875 -1.079 -1.178 -1.178 -1.163 3.875 -1.079 -1.178 -1.178 -1.163
3.990 -0.879 -0.977 -0.978 -0.963 3.990 -0.829 -0.927 -0.928 -0.913 3.990 -1.004 -1.102 -1.103 -1.088 3.990 -1.004 -1.102 -1.103 -1.088
4.000 -0.867 -0.965 -0.966 -0.951 4.000 -0.817 -0.915 -0.916 -0.901 4.000 -0.992 -1.090 -1.091 -1.076 4.000 -0.992 -1.090 -1.091 -1.076
4.125 -0.781 -0.879 -0.879 -0.864 4.125 -0.731 -0.829 -0.829 -0.814 4.125 -0.906 -1.004 -1.004 -0.989 4.125 -0.906 -1.004 -1.004 -0.989
4.250 -0.192 -0.033 -0.022 0.238 4.250 -0.142 0.017 0.028 0.288 4.250 -0.317 -0.158 -0.147 0.113 4.250 -0.317 -0.158 -0.147 0.113
4.375 -0.192 -0.033 -0.022 0.238 4.375 -0.142 0.017 0.028 0.288 4.375 -0.317 -0.158 -0.147 0.113 4.375 -0.317 -0.158 -0.147 0.113
4.500 -0.192 -0.033 -0.022 0.238 4.500 -0.142 0.017 0.028 0.288 4.500 -0.317 -0.158 -0.147 0.113 4.500 -0.317 -0.158 -0.147 0.113
4.625 -0.192 -0.033 -0.022 0.238 4.625 -0.142 0.017 0.028 0.288 4.625 -0.317 -0.158 -0.147 0.113 4.625 -0.317 -0.158 -0.147 0.113
8 of 17
Lock Desk(833) 769-3710 (open 7am to 5pm PT)
Effective Date: www.PennyMacBrokerDirect.com
Rates subject to change without notice
Low Balance Indicative Rates
8/7/2020
Indications Only
VA 16-30 Fixed Max Net Rebate SB: -5.00
<= 85K > 85K <= 110K > 110K <= 125K > 125K <= 150KRate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day
2.250 2.138 2.253 2.334 2.519 2.250 2.138 2.253 2.334 2.519 2.250 0.438 0.553 0.634 0.819 2.250 0.438 0.553 0.634 0.819
2.375 1.696 1.810 1.891 2.076 2.375 1.696 1.810 1.891 2.076 2.375 -0.004 0.110 0.191 0.376 2.375 -0.004 0.110 0.191 0.376
2.500 1.354 1.469 1.550 1.735 2.500 1.354 1.469 1.550 1.735 2.500 -0.346 -0.231 -0.150 0.035 2.500 -0.346 -0.231 -0.150 0.035
2.625 0.786 0.900 0.981 1.166 2.625 0.786 0.900 0.981 1.166 2.625 -0.914 -0.800 -0.719 -0.534 2.625 -0.914 -0.800 -0.719 -0.534
2.750 0.134 0.270 0.320 0.534 2.750 0.114 0.250 0.300 0.514 2.750 -1.586 -1.450 -1.400 -1.186 2.750 -1.586 -1.450 -1.400 -1.186
2.875 -0.139 -0.003 0.047 0.261 2.875 -0.139 -0.003 0.047 0.261 2.875 -1.839 -1.703 -1.653 -1.439 2.875 -1.839 -1.703 -1.653 -1.439
3.000 0.317 0.452 0.503 0.717 3.000 0.317 0.452 0.503 0.717 3.000 -1.383 -1.248 -1.197 -0.983 3.000 -1.383 -1.248 -1.197 -0.983
3.060 0.174 0.309 0.360 0.574 3.060 0.144 0.279 0.330 0.544 3.060 -1.556 -1.421 -1.370 -1.156 3.060 -1.556 -1.421 -1.370 -1.156
3.125 0.074 0.210 0.260 0.474 3.125 0.044 0.180 0.230 0.444 3.125 -1.656 -1.520 -1.470 -1.256 3.125 -1.656 -1.520 -1.470 -1.256
3.250 0.799 0.955 0.928 1.173 3.250 0.799 0.955 0.928 1.173 3.250 -0.901 -0.745 -0.772 -0.527 3.250 -0.901 -0.745 -0.772 -0.527
3.375 0.691 0.847 0.820 1.065 3.375 0.691 0.847 0.820 1.065 3.375 -1.009 -0.853 -0.880 -0.635 3.375 -1.009 -0.853 -0.880 -0.635
3.500 0.451 0.607 0.580 0.825 3.500 0.451 0.607 0.580 0.825 3.500 -1.249 -1.093 -1.120 -0.875 3.500 -1.249 -1.093 -1.120 -0.875
3.560 0.247 0.403 0.376 0.621 3.560 0.247 0.403 0.376 0.621 3.560 -1.453 -1.297 -1.324 -1.079 3.560 -1.453 -1.297 -1.324 -1.079
3.625 0.133 0.289 0.262 0.506 3.625 0.133 0.289 0.262 0.506 3.625 -1.567 -1.411 -1.438 -1.194 3.625 -1.567 -1.411 -1.438 -1.194
3.750 0.961 1.138 0.893 1.167 3.750 0.961 1.138 0.893 1.167 3.750 -0.739 -0.562 -0.807 -0.533 3.750 -0.739 -0.562 -0.807 -0.533
3.875 0.663 0.840 0.595 0.870 3.875 0.663 0.840 0.595 0.870 3.875 -1.037 -0.860 -1.105 -0.830 3.875 -1.037 -0.860 -1.105 -0.830
4.000 0.637 0.814 0.569 0.844 4.000 0.637 0.814 0.569 0.844 4.000 -1.063 -0.886 -1.131 -0.856 4.000 -1.063 -0.886 -1.131 -0.856
4.125 0.606 0.783 0.538 0.813 4.125 0.606 0.783 0.538 0.813 4.125 -1.094 -0.917 -1.162 -0.887 4.125 -1.094 -0.917 -1.162 -0.887
4.250 -0.391 -0.193 -0.469 -0.163 4.250 -0.391 -0.193 -0.469 -0.163 4.250 -2.091 -1.893 -2.169 -1.863 4.250 -2.091 -1.893 -2.169 -1.863
4.375 -0.352 -0.154 -0.430 -0.124 4.375 -0.352 -0.154 -0.430 -0.124 4.375 -2.052 -1.854 -2.130 -1.824 4.375 -2.052 -1.854 -2.130 -1.824
4.500 -0.174 0.024 -0.252 0.053 4.500 -0.174 0.024 -0.252 0.053 4.500 -1.874 -1.676 -1.952 -1.647 4.500 -1.874 -1.676 -1.952 -1.647
> 150K <= 175K > 175K <= 200K > 200K <=225K > 225K <=250KRate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day
2.250 0.238 0.353 0.434 0.619 2.250 0.438 0.553 0.634 0.819 2.250 0.208 0.323 0.404 0.589 2.250 0.208 0.323 0.404 0.589
2.375 -0.204 -0.090 -0.009 0.176 2.375 -0.004 0.110 0.191 0.376 2.375 -0.234 -0.120 -0.039 0.146 2.375 -0.234 -0.120 -0.039 0.146
2.500 -0.546 -0.431 -0.350 -0.165 2.500 -0.646 -0.531 -0.450 -0.265 2.500 -0.576 -0.461 -0.380 -0.195 2.500 -0.576 -0.461 -0.380 -0.195
2.625 -1.114 -1.000 -0.919 -0.734 2.625 -0.914 -0.800 -0.719 -0.534 2.625 -0.774 -0.660 -0.579 -0.394 2.625 -0.774 -0.660 -0.579 -0.394
2.750 -1.603 -1.468 -1.418 -1.203 2.750 -1.553 -1.418 -1.368 -1.153 2.750 -1.023 -0.888 -0.838 -0.623 2.750 -1.023 -0.888 -0.838 -0.623
2.875 -1.856 -1.721 -1.670 -1.456 2.875 -1.806 -1.671 -1.620 -1.406 2.875 -1.346 -1.211 -1.160 -0.946 2.875 -1.346 -1.211 -1.160 -0.946
3.000 -1.401 -1.265 -1.215 -1.000 3.000 -1.601 -1.465 -1.415 -1.200 3.000 -1.641 -1.505 -1.455 -1.240 3.000 -1.641 -1.505 -1.455 -1.240
3.060 -1.424 -1.288 -1.238 -1.023 3.060 -1.774 -1.638 -1.588 -1.373 3.060 -1.444 -1.308 -1.258 -1.043 3.060 -1.444 -1.308 -1.258 -1.043
3.125 -1.523 -1.388 -1.337 -1.123 3.125 -1.873 -1.738 -1.687 -1.473 3.125 -1.543 -1.408 -1.357 -1.143 3.125 -1.543 -1.408 -1.357 -1.143
3.250 -1.171 -1.015 -1.042 -0.797 3.250 -0.888 -0.732 -0.759 -0.506 3.250 -1.198 -1.042 -1.069 -0.816 3.250 -1.198 -1.042 -1.069 -0.816
3.375 -1.379 -1.223 -1.250 -1.005 3.375 -0.996 -0.840 -0.867 -0.613 3.375 -1.456 -1.300 -1.327 -1.073 3.375 -1.456 -1.300 -1.327 -1.073
3.500 -1.449 -1.293 -1.320 -1.075 3.500 -1.236 -1.080 -1.107 -0.853 3.500 -1.726 -1.570 -1.597 -1.343 3.500 -1.726 -1.570 -1.597 -1.343
3.560 -1.693 -1.537 -1.564 -1.319 3.560 -1.441 -1.284 -1.311 -1.058 3.560 -0.661 -0.504 -0.531 -0.278 3.560 -0.661 -0.504 -0.531 -0.278
3.625 -1.807 -1.651 -1.678 -1.434 3.625 -1.555 -1.398 -1.425 -1.172 3.625 -0.775 -0.618 -0.645 -0.392 3.625 -0.775 -0.618 -0.645 -0.392
3.750 -0.939 -0.762 -1.007 -0.733 3.750 -0.739 -0.562 -0.807 -0.533 3.750 -0.149 0.028 -0.217 0.057 3.750 -0.149 0.028 -0.217 0.057
3.875 -1.237 -1.060 -1.305 -1.030 3.875 -1.037 -0.860 -1.105 -0.830 3.875 -0.377 -0.200 -0.445 -0.170 3.875 -0.377 -0.200 -0.445 -0.170
4.000 -1.263 -1.086 -1.331 -1.056 4.000 -1.063 -0.886 -1.131 -0.856 4.000 -0.823 -0.646 -0.891 -0.616 4.000 -0.823 -0.646 -0.891 -0.616
4.125 -1.294 -1.117 -1.362 -1.087 4.125 -1.094 -0.917 -1.162 -0.887 4.125 -0.854 -0.677 -0.922 -0.647 4.125 -0.854 -0.677 -0.922 -0.647
4.250 -2.291 -2.093 -2.369 -2.063 4.250 -2.091 -1.893 -2.169 -1.863 4.250 -1.851 -1.653 -1.929 -1.623 4.250 -1.851 -1.653 -1.929 -1.623
4.375 -2.252 -2.054 -2.330 -2.024 4.375 -2.052 -1.854 -2.130 -1.824 4.375 -1.812 -1.614 -1.890 -1.584 4.375 -1.812 -1.614 -1.890 -1.584
4.500 -2.074 -1.876 -2.152 -1.847 4.500 -1.874 -1.676 -1.952 -1.647 4.500 -1.634 -1.436 -1.712 -1.407 4.500 -1.634 -1.436 -1.712 -1.407
VA 16-30 Fixed IRRRL Max Net Rebate SB: -5.00
<= 85K > 85K <= 110K > 110K <= 125K > 125K <= 150KRate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day
2.250 3.188 3.303 3.384 3.569 2.250 3.188 3.303 3.384 3.569 2.250 1.488 1.603 1.684 1.869 2.250 1.488 1.603 1.684 1.869
2.375 2.746 2.860 2.941 3.126 2.375 2.746 2.860 2.941 3.126 2.375 1.046 1.160 1.241 1.426 2.375 1.046 1.160 1.241 1.426
2.500 2.604 2.719 2.800 2.985 2.500 2.604 2.719 2.800 2.985 2.500 0.904 1.019 1.100 1.285 2.500 0.904 1.019 1.100 1.285
2.625 2.426 2.540 2.621 2.806 2.625 2.426 2.540 2.621 2.806 2.625 0.726 0.840 0.921 1.106 2.625 0.726 0.840 0.921 1.106
2.750 1.764 1.900 1.950 2.164 2.750 1.744 1.880 1.930 2.144 2.750 0.044 0.180 0.230 0.444 2.750 0.044 0.180 0.230 0.444
2.875 1.471 1.607 1.657 1.871 2.875 1.471 1.607 1.657 1.871 2.875 -0.229 -0.093 -0.043 0.171 2.875 -0.229 -0.093 -0.043 0.171
3.000 1.027 1.162 1.213 1.427 3.000 1.027 1.162 1.213 1.427 3.000 -0.673 -0.538 -0.487 -0.273 3.000 -0.673 -0.538 -0.487 -0.273
3.060 0.814 0.949 1.000 1.214 3.060 0.784 0.919 0.970 1.184 3.060 -0.916 -0.781 -0.730 -0.516 3.060 -0.916 -0.781 -0.730 -0.516
3.125 0.714 0.850 0.900 1.114 3.125 0.684 0.820 0.870 1.084 3.125 -1.016 -0.880 -0.830 -0.616 3.125 -1.016 -0.880 -0.830 -0.616
3.250 1.629 1.785 1.758 2.003 3.250 1.629 1.785 1.758 2.003 3.250 -0.071 0.085 0.058 0.303 3.250 -0.071 0.085 0.058 0.303
3.375 1.701 1.857 1.830 2.075 3.375 1.701 1.857 1.830 2.075 3.375 0.001 0.157 0.130 0.375 3.375 0.001 0.157 0.130 0.375
3.500 1.401 1.557 1.530 1.775 3.500 1.391 1.547 1.520 1.765 3.500 -0.309 -0.153 -0.180 0.065 3.500 -0.309 -0.153 -0.180 0.065
3.560 1.227 1.383 1.356 1.601 3.560 1.227 1.383 1.356 1.601 3.560 -0.473 -0.317 -0.344 -0.099 3.560 -0.473 -0.317 -0.344 -0.099
3.625 1.113 1.269 1.242 1.486 3.625 1.113 1.269 1.242 1.486 3.625 -0.587 -0.431 -0.458 -0.214 3.625 -0.587 -0.431 -0.458 -0.214
3.750 2.171 2.348 2.103 2.377 3.750 2.171 2.348 2.103 2.377 3.750 0.471 0.648 0.403 0.677 3.750 0.471 0.648 0.403 0.677
3.875 1.813 1.990 1.745 2.020 3.875 1.813 1.990 1.745 2.020 3.875 0.113 0.290 0.045 0.320 3.875 0.113 0.290 0.045 0.320
4.000 1.727 1.904 1.659 1.934 4.000 1.727 1.904 1.659 1.934 4.000 0.027 0.204 -0.041 0.234 4.000 0.027 0.204 -0.041 0.234
4.125 1.906 2.083 1.838 2.113 4.125 1.906 2.083 1.838 2.113 4.125 0.206 0.383 0.138 0.413 4.125 0.206 0.383 0.138 0.413
4.250 0.909 1.107 0.831 1.137 4.250 0.909 1.107 0.831 1.137 4.250 -0.791 -0.593 -0.869 -0.563 4.250 -0.791 -0.593 -0.869 -0.563
4.375 0.948 1.146 0.870 1.176 4.375 0.948 1.146 0.870 1.176 4.375 -0.752 -0.554 -0.830 -0.524 4.375 -0.752 -0.554 -0.830 -0.524
4.500 1.126 1.324 1.048 1.353 4.500 1.126 1.324 1.048 1.353 4.500 -0.574 -0.376 -0.652 -0.347 4.500 -0.574 -0.376 -0.652 -0.347
> 150K <= 175K > 175K <= 200K > 200K <=225K > 225K <=250KRate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day
2.250 1.338 1.453 1.534 1.719 2.250 1.538 1.653 1.734 1.919 2.250 -1.212 -1.097 -1.016 -0.831 2.250 -1.212 -1.097 -1.016 -0.831
2.375 0.896 1.010 1.091 1.276 2.375 1.096 1.210 1.291 1.476 2.375 -1.434 -1.320 -1.239 -1.054 2.375 -1.434 -1.320 -1.239 -1.054
2.500 0.754 0.869 0.950 1.135 2.500 0.654 0.769 0.850 1.035 2.500 -1.726 -1.611 -1.530 -1.345 2.500 -1.726 -1.611 -1.530 -1.345
2.625 0.576 0.690 0.771 0.956 2.625 0.775 0.889 0.970 1.155 2.625 -1.154 -1.040 -0.959 -0.774 2.625 -1.154 -1.040 -0.959 -0.774
2.750 0.077 0.212 0.262 0.477 2.750 -0.123 0.012 0.062 0.277 2.750 -2.483 -2.348 -2.298 -2.083 2.750 -2.483 -2.348 -2.298 -2.083
2.875 -0.196 -0.061 -0.010 0.204 2.875 -0.396 -0.261 -0.210 0.004 2.875 -2.756 -2.621 -2.570 -2.356 2.875 -2.756 -2.621 -2.570 -2.356
3.000 -0.641 -0.505 -0.455 -0.240 3.000 -0.841 -0.705 -0.655 -0.440 3.000 -2.891 -2.755 -2.705 -2.490 3.000 -2.891 -2.755 -2.705 -2.490
3.060 -0.734 -0.598 -0.548 -0.333 3.060 -1.084 -0.948 -0.898 -0.683 3.060 -2.744 -2.608 -2.558 -2.343 3.060 -2.744 -2.608 -2.558 -2.343
3.125 -0.833 -0.698 -0.647 -0.433 3.125 -1.183 -1.048 -0.997 -0.783 3.125 -2.843 -2.708 -2.657 -2.443 3.125 -2.843 -2.708 -2.657 -2.443
3.250 -0.291 -0.135 -0.162 0.083 3.250 -0.008 0.148 0.121 0.374 3.250 -2.618 -2.462 -2.489 -2.236 3.250 -2.618 -2.462 -2.489 -2.236
3.375 -0.319 -0.163 -0.190 0.055 3.375 0.064 0.220 0.193 0.447 3.375 -2.876 -2.720 -2.747 -2.493 3.375 -2.876 -2.720 -2.747 -2.493
3.500 -0.459 -0.303 -0.330 -0.085 3.500 -0.246 -0.090 -0.117 0.137 3.500 -3.126 -2.970 -2.997 -2.743 3.500 -3.126 -2.970 -2.997 -2.743
3.560 -0.663 -0.507 -0.534 -0.289 3.560 -0.411 -0.254 -0.281 -0.028 3.560 -2.691 -2.534 -2.561 -2.308 3.560 -2.691 -2.534 -2.561 -2.308
3.625 -0.777 -0.621 -0.648 -0.404 3.625 -0.525 -0.368 -0.395 -0.142 3.625 -2.805 -2.648 -2.675 -2.422 3.625 -2.805 -2.648 -2.675 -2.422
3.750 0.321 0.498 0.253 0.527 3.750 0.521 0.698 0.453 0.727 3.750 -1.989 -1.812 -2.057 -1.783 3.750 -1.989 -1.812 -2.057 -1.783
3.875 -0.037 0.140 -0.105 0.170 3.875 0.163 0.340 0.095 0.370 3.875 -2.157 -1.980 -2.225 -1.950 3.875 -2.157 -1.980 -2.225 -1.950
4.000 -0.123 0.054 -0.191 0.084 4.000 0.077 0.254 0.009 0.284 4.000 -2.163 -1.986 -2.231 -1.956 4.000 -2.163 -1.986 -2.231 -1.956
4.125 0.056 0.233 -0.012 0.263 4.125 0.256 0.433 0.188 0.463 4.125 -1.984 -1.807 -2.052 -1.777 4.125 -1.984 -1.807 -2.052 -1.777
4.250 -0.941 -0.743 -1.019 -0.713 4.250 -0.741 -0.543 -0.819 -0.513 4.250 -2.981 -2.783 -3.059 -2.753 4.250 -2.981 -2.783 -3.059 -2.753
4.375 -0.902 -0.704 -0.980 -0.674 4.375 -0.702 -0.504 -0.780 -0.474 4.375 -2.942 -2.744 -3.020 -2.714 4.375 -2.942 -2.744 -3.020 -2.714
4.500 -0.724 -0.526 -0.802 -0.497 4.500 -0.524 -0.326 -0.602 -0.297 4.500 -2.764 -2.566 -2.842 -2.537 4.500 -2.764 -2.566 -2.842 -2.537
9 of 17
Lock Desk(833) 769-3710 (open 7am to 5pm PT)
Effective Date: www.PennyMacBrokerDirect.com
Rates subject to change without notice
Low Balance Indicative Rates
8/7/2020
Indications Only
VA 10-15 Fixed Max Net Rebate SB: -5.00 VA 10-15 Fixed IRRRL Max Net Rebate SB: -5.00
<= 85K > 85K <= 110K <= 85K > 85K <= 110KRate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day
2.250 2.600 2.776 2.742 2.970 2.250 2.600 2.776 2.742 2.970 2.250 3.510 3.686 3.652 3.880 2.250 3.510 3.686 3.652 3.880
2.375 2.282 2.457 2.424 2.652 2.375 2.282 2.457 2.424 2.652 2.375 3.192 3.367 3.334 3.562 2.375 3.192 3.367 3.334 3.562
2.500 1.989 2.165 2.131 2.359 2.500 1.989 2.165 2.131 2.359 2.500 3.099 3.275 3.241 3.469 2.500 3.099 3.275 3.241 3.469
2.625 1.398 1.574 1.540 1.768 2.625 1.398 1.574 1.540 1.768 2.625 2.898 3.074 3.040 3.268 2.625 2.898 3.074 3.040 3.268
2.750 0.302 0.422 0.400 0.590 2.750 0.302 0.422 0.400 0.590 2.750 1.852 1.972 1.950 2.140 2.750 1.852 1.972 1.950 2.140
2.875 0.035 0.156 0.133 0.323 2.875 0.035 0.156 0.133 0.323 2.875 1.665 1.786 1.763 1.953 2.875 1.665 1.786 1.763 1.953
3.000 0.485 0.605 0.583 0.773 3.000 0.485 0.605 0.583 0.773 3.000 1.395 1.515 1.493 1.683 3.000 1.395 1.515 1.493 1.683
3.125 0.399 0.520 0.497 0.687 3.125 0.399 0.520 0.497 0.687 3.125 1.309 1.430 1.407 1.597 3.125 1.309 1.430 1.407 1.597
3.250 1.871 1.843 1.831 1.899 3.250 1.871 1.843 1.831 1.899 3.250 2.681 2.653 2.641 2.709 3.250 2.681 2.653 2.641 2.709
3.375 1.718 1.690 1.679 1.746 3.375 1.718 1.690 1.679 1.746 3.375 2.528 2.500 2.489 2.556 3.375 2.528 2.500 2.489 2.556
3.500 1.560 1.532 1.521 1.588 3.500 1.560 1.532 1.521 1.588 3.500 2.370 2.342 2.331 2.398 3.500 2.370 2.342 2.331 2.398
3.625 1.541 1.513 1.502 1.569 3.625 1.541 1.513 1.502 1.569 3.625 2.451 2.423 2.412 2.479 3.625 2.451 2.423 2.412 2.479
3.750 1.790 1.691 1.691 1.706 3.750 1.790 1.691 1.691 1.706 3.750 2.700 2.601 2.601 2.616 3.750 2.700 2.601 2.601 2.616
3.875 1.760 1.662 1.661 1.676 3.875 1.760 1.662 1.661 1.676 3.875 2.670 2.572 2.571 2.586 3.875 2.670 2.572 2.571 2.586
3.990 1.841 1.743 1.742 1.757 3.990 1.841 1.743 1.742 1.757 3.990 2.751 2.653 2.652 2.667 3.990 2.751 2.653 2.652 2.667
4.000 1.854 1.755 1.755 1.770 4.000 1.854 1.755 1.755 1.770 4.000 2.764 2.665 2.665 2.680 4.000 2.764 2.665 2.665 2.680
4.125 1.944 1.846 1.846 1.861 4.125 1.944 1.846 1.846 1.861 4.125 2.854 2.756 2.756 2.771 4.125 2.854 2.756 2.756 2.771
4.250 2.383 2.542 2.553 2.813 4.250 2.383 2.542 2.553 2.813 4.250 3.293 3.452 3.463 3.723 4.250 3.293 3.452 3.463 3.723
4.375 2.383 2.542 2.553 2.813 4.375 2.383 2.542 2.553 2.813 4.375 3.293 3.452 3.463 3.723 4.375 3.293 3.452 3.463 3.723
4.500 2.383 2.542 2.553 2.813 4.500 2.383 2.542 2.553 2.813 4.500 3.293 3.452 3.463 3.723 4.500 3.293 3.452 3.463 3.723
4.625 2.263 2.422 2.433 2.693 4.625 2.263 2.422 2.433 2.693 4.625 3.173 3.332 3.343 3.603 4.625 3.173 3.332 3.343 3.603
> 110K <= 125K > 125K <= 150K > 110K <= 125K > 125K <= 150KRate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day
2.250 2.500 2.676 2.642 2.870 2.250 0.600 0.776 0.742 0.970 2.250 3.410 3.586 3.552 3.780 2.250 1.510 1.686 1.652 1.880
2.375 2.182 2.357 2.324 2.552 2.375 0.282 0.457 0.424 0.652 2.375 3.092 3.267 3.234 3.462 2.375 1.192 1.367 1.334 1.562
2.500 1.889 2.065 2.031 2.259 2.500 -0.011 0.165 0.131 0.359 2.500 2.999 3.175 3.141 3.369 2.500 1.099 1.275 1.241 1.469
2.625 1.298 1.474 1.440 1.668 2.625 -0.602 -0.426 -0.460 -0.232 2.625 2.798 2.974 2.940 3.168 2.625 0.898 1.074 1.040 1.268
2.750 0.202 0.322 0.300 0.490 2.750 -1.698 -1.578 -1.600 -1.410 2.750 1.752 1.872 1.850 2.040 2.750 -0.148 -0.028 -0.050 0.140
2.875 -0.065 0.056 0.033 0.223 2.875 -1.965 -1.844 -1.867 -1.677 2.875 1.565 1.686 1.663 1.853 2.875 -0.335 -0.214 -0.237 -0.047
3.000 0.385 0.505 0.483 0.673 3.000 -1.515 -1.395 -1.417 -1.227 3.000 1.295 1.415 1.393 1.583 3.000 -0.605 -0.485 -0.507 -0.317
3.125 0.299 0.420 0.397 0.587 3.125 -1.601 -1.480 -1.503 -1.313 3.125 1.209 1.330 1.307 1.497 3.125 -0.691 -0.570 -0.593 -0.403
3.250 1.771 1.743 1.731 1.799 3.250 -0.129 -0.157 -0.169 -0.101 3.250 2.581 2.553 2.541 2.609 3.250 0.681 0.653 0.641 0.709
3.375 1.618 1.590 1.579 1.646 3.375 -0.282 -0.310 -0.321 -0.254 3.375 2.428 2.400 2.389 2.456 3.375 0.528 0.500 0.489 0.556
3.500 1.460 1.432 1.421 1.488 3.500 -0.440 -0.468 -0.479 -0.412 3.500 2.270 2.242 2.231 2.298 3.500 0.370 0.342 0.331 0.398
3.625 1.441 1.413 1.402 1.469 3.625 -0.459 -0.487 -0.498 -0.431 3.625 2.351 2.323 2.312 2.379 3.625 0.451 0.423 0.412 0.479
3.750 1.690 1.591 1.591 1.606 3.750 -0.210 -0.309 -0.309 -0.294 3.750 2.600 2.501 2.501 2.516 3.750 0.700 0.601 0.601 0.616
3.875 1.660 1.562 1.561 1.576 3.875 -0.240 -0.338 -0.339 -0.324 3.875 2.570 2.472 2.471 2.486 3.875 0.670 0.572 0.571 0.586
3.990 1.741 1.643 1.642 1.657 3.990 -0.159 -0.257 -0.258 -0.243 3.990 2.651 2.553 2.552 2.567 3.990 0.751 0.653 0.652 0.667
4.000 1.754 1.655 1.655 1.670 4.000 -0.146 -0.245 -0.245 -0.230 4.000 2.664 2.565 2.565 2.580 4.000 0.764 0.665 0.665 0.680
4.125 1.844 1.746 1.746 1.761 4.125 -0.056 -0.154 -0.154 -0.139 4.125 2.754 2.656 2.656 2.671 4.125 0.854 0.756 0.756 0.771
4.250 2.283 2.442 2.453 2.713 4.250 0.383 0.542 0.553 0.813 4.250 3.193 3.352 3.363 3.623 4.250 1.293 1.452 1.463 1.723
4.375 2.283 2.442 2.453 2.713 4.375 0.383 0.542 0.553 0.813 4.375 3.193 3.352 3.363 3.623 4.375 1.293 1.452 1.463 1.723
4.500 2.283 2.442 2.453 2.713 4.500 0.383 0.542 0.553 0.813 4.500 3.193 3.352 3.363 3.623 4.500 1.293 1.452 1.463 1.723
4.625 2.163 2.322 2.333 2.593 4.625 0.263 0.422 0.433 0.693 4.625 3.073 3.232 3.243 3.503 4.625 1.173 1.332 1.343 1.603
> 150K <= 175K > 175K <= 200K > 150K <= 175K > 175K <= 200KRate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day
2.250 0.600 0.776 0.742 0.970 2.250 0.500 0.676 0.642 0.870 2.250 1.510 1.686 1.652 1.880 2.250 1.410 1.586 1.552 1.780
2.375 0.282 0.457 0.424 0.652 2.375 0.182 0.357 0.324 0.552 2.375 1.192 1.367 1.334 1.562 2.375 1.092 1.267 1.234 1.462
2.500 -0.011 0.165 0.131 0.359 2.500 -0.111 0.065 0.031 0.259 2.500 1.099 1.275 1.241 1.469 2.500 0.999 1.175 1.141 1.369
2.625 -0.602 -0.426 -0.460 -0.232 2.625 -0.702 -0.526 -0.560 -0.332 2.625 0.898 1.074 1.040 1.268 2.625 0.798 0.974 0.940 1.168
2.750 -1.698 -1.578 -1.600 -1.410 2.750 -1.798 -1.678 -1.700 -1.510 2.750 -0.148 -0.028 -0.050 0.140 2.750 -0.248 -0.128 -0.150 0.040
2.875 -1.965 -1.844 -1.867 -1.677 2.875 -2.065 -1.944 -1.967 -1.777 2.875 -0.335 -0.214 -0.237 -0.047 2.875 -0.435 -0.314 -0.337 -0.147
3.000 -1.515 -1.395 -1.417 -1.227 3.000 -1.615 -1.495 -1.517 -1.327 3.000 -0.605 -0.485 -0.507 -0.317 3.000 -0.705 -0.585 -0.607 -0.417
3.125 -1.601 -1.480 -1.503 -1.313 3.125 -1.701 -1.580 -1.603 -1.413 3.125 -0.691 -0.570 -0.593 -0.403 3.125 -0.791 -0.670 -0.693 -0.503
3.250 -0.129 -0.157 -0.169 -0.101 3.250 -0.229 -0.257 -0.269 -0.201 3.250 0.681 0.653 0.641 0.709 3.250 0.581 0.553 0.541 0.609
3.375 -0.282 -0.310 -0.321 -0.254 3.375 -0.382 -0.410 -0.421 -0.354 3.375 0.528 0.500 0.489 0.556 3.375 0.428 0.400 0.389 0.456
3.500 -0.440 -0.468 -0.479 -0.412 3.500 -0.540 -0.568 -0.579 -0.512 3.500 0.370 0.342 0.331 0.398 3.500 0.270 0.242 0.231 0.298
3.625 -0.459 -0.487 -0.498 -0.431 3.625 -0.559 -0.587 -0.598 -0.531 3.625 0.451 0.423 0.412 0.479 3.625 0.351 0.323 0.312 0.379
3.750 -0.210 -0.309 -0.309 -0.294 3.750 -0.310 -0.409 -0.409 -0.394 3.750 0.700 0.601 0.601 0.616 3.750 0.600 0.501 0.501 0.516
3.875 -0.240 -0.338 -0.339 -0.324 3.875 -0.340 -0.438 -0.439 -0.424 3.875 0.670 0.572 0.571 0.586 3.875 0.570 0.472 0.471 0.486
3.990 -0.159 -0.257 -0.258 -0.243 3.990 -0.259 -0.357 -0.358 -0.343 3.990 0.751 0.653 0.652 0.667 3.990 0.651 0.553 0.552 0.567
4.000 -0.146 -0.245 -0.245 -0.230 4.000 -0.246 -0.345 -0.345 -0.330 4.000 0.764 0.665 0.665 0.680 4.000 0.664 0.565 0.565 0.580
4.125 -0.056 -0.154 -0.154 -0.139 4.125 -0.156 -0.254 -0.254 -0.239 4.125 0.854 0.756 0.756 0.771 4.125 0.754 0.656 0.656 0.671
4.250 0.383 0.542 0.553 0.813 4.250 0.283 0.442 0.453 0.713 4.250 1.293 1.452 1.463 1.723 4.250 1.193 1.352 1.363 1.623
4.375 0.383 0.542 0.553 0.813 4.375 0.283 0.442 0.453 0.713 4.375 1.293 1.452 1.463 1.723 4.375 1.193 1.352 1.363 1.623
4.500 0.383 0.542 0.553 0.813 4.500 0.283 0.442 0.453 0.713 4.500 1.293 1.452 1.463 1.723 4.500 1.193 1.352 1.363 1.623
4.625 0.263 0.422 0.433 0.693 4.625 0.163 0.322 0.333 0.593 4.625 1.173 1.332 1.343 1.603 4.625 1.073 1.232 1.243 1.503
10 of 17
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Effective Date: www.PennyMacBrokerDirect.comRates subject to change without notice
HomeReady Indicative Rates
HomeReady 30 Fixed Max Net Rebate SB: -4.50 | HB: -4.50
> 250K HBRate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day
2.250 1.677 2.222 1.868 2.071 2.250 2.791 3.336 2.983 3.219
2.375 0.921 1.470 1.120 1.320 2.375 2.082 2.632 2.282 2.516
2.500 0.120 0.674 0.327 0.524 2.500 1.272 1.826 1.480 1.711
2.625 -0.519 0.040 -0.303 -0.109 2.625 0.328 0.887 0.544 0.773
2.750 -1.183 -0.620 -0.959 -0.768 2.750 -0.294 0.269 -0.070 0.156
2.875 -1.653 -1.085 -1.421 -1.233 2.875 -0.669 -0.102 -0.438 -0.215
2.999 -2.090 -1.520 -1.854 -1.667 2.999 -1.024 -0.454 -0.789 -0.567
3.000 -1.976 -1.406 -1.741 -1.553 3.000 -0.930 -0.360 -0.694 -0.473
3.124 -2.355 -1.785 -2.119 -1.932 3.124 -1.168 -0.598 -0.932 -1.226
3.125 -2.306 -1.736 -2.071 -1.883 3.125 -1.600 -1.076 -1.406 -1.231
3.250 -2.552 -2.044 -2.370 -2.218 3.250 -1.829 -1.321 -1.647 -1.476
3.374 -2.881 -2.368 -2.691 -2.542 3.374 -2.206 -1.694 -2.016 -1.848
3.375 -2.846 -2.333 -2.655 -2.506 3.375 -2.173 -1.660 -1.982 -1.814
3.499 -3.097 -2.582 -2.902 -2.755 3.499 -2.537 -2.022 -2.342 -2.176
3.500 -3.045 -2.530 -2.850 -2.703 3.500 -2.489 -1.974 -2.295 -2.128
3.625 -3.293 -2.778 -3.098 -2.951 3.625 -2.658 -2.142 -2.463 -2.296
3.749 -2.894 -2.409 -2.721 -2.579 3.749 -1.953 -1.468 -1.780 -1.607
3.750 -2.888 -2.404 -2.715 -2.574 3.750 -1.948 -1.463 -1.775 -1.602
3.874 -3.135 -2.646 -2.954 -2.815 3.874 -2.201 -1.711 -2.020 -1.850
3.875 -3.114 -2.625 -2.933 -2.794 3.875 -2.181 -1.692 -2.000 -1.830
3.999 -3.415 -2.923 -3.230 -3.092 3.999 -2.308 -1.817 -2.123 -1.955
4.000 -3.362 -2.871 -3.177 -3.040 4.000 -2.278 -1.786 -2.093 -1.925
4.125 -3.271 -2.779 -3.086 -2.948 4.125 -2.684 -2.193 -2.499 -1.178
4.250 -2.151 -1.909 -2.206 -2.286 4.250 -0.489 -0.247 -0.545 -0.548
4.375 -2.298 -2.051 -2.346 -2.428 4.375 -0.642 -0.395 -0.689 -0.696
HomeReady 30 Fixed Lower Loan Amounts Max Net Rebate SB: -4.50 | HB: -4.50
<= 85K > 85K <= 110K > 110K <= 125K > 125K <= 150KRate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day
2.250 7.307 7.852 7.498 7.701 2.250 7.257 7.802 7.448 7.651 2.250 6.432 6.977 6.623 6.826 2.250 2.162 2.707 2.353 2.556
2.375 6.501 7.050 6.700 6.900 2.375 6.451 7.000 6.650 6.850 2.375 5.626 6.175 5.825 6.025 2.375 1.356 1.905 1.555 1.755
2.500 5.700 6.254 5.907 6.104 2.500 5.650 6.204 5.857 6.054 2.500 4.825 5.379 5.032 5.229 2.500 0.555 1.109 0.762 0.959
2.625 4.751 5.310 4.967 5.161 2.625 4.701 5.260 4.917 5.111 2.625 3.876 4.435 4.092 4.286 2.625 -0.394 0.165 -0.178 0.016
2.750 4.587 5.150 4.811 5.002 2.750 4.537 5.100 4.761 4.952 2.750 3.712 4.275 3.936 4.127 2.750 -0.758 -0.195 -0.534 -0.343
2.875 4.087 4.655 4.319 4.507 2.875 4.037 4.605 4.269 4.457 2.875 2.472 3.040 2.704 2.892 2.875 -1.528 -0.960 -1.296 -1.108
2.999 4.300 4.870 4.536 4.723 2.999 4.250 4.820 4.486 4.673 2.999 2.595 3.165 2.831 3.018 2.999 -1.405 -0.835 -1.169 -0.982
3.000 4.414 4.984 4.649 4.837 3.000 4.364 4.934 4.599 4.787 3.000 2.709 3.279 2.944 3.132 3.000 -1.291 -0.721 -1.056 -0.868
3.124 3.665 4.235 3.901 4.088 3.124 3.615 4.185 3.851 4.038 3.124 1.750 2.320 1.986 2.173 3.124 -2.350 -1.780 -2.114 -1.927
3.125 3.714 4.284 3.949 4.137 3.125 3.664 4.234 3.899 4.087 3.125 1.799 2.369 2.034 2.222 3.125 -2.301 -1.731 -2.066 -1.878
3.250 3.048 3.556 3.230 3.382 3.250 2.828 3.336 3.010 3.162 3.250 1.103 1.611 1.285 1.437 3.250 -2.997 -2.489 -2.815 -2.663
3.374 2.679 3.192 2.869 3.018 3.374 2.629 3.142 2.819 2.968 3.374 0.744 1.257 0.934 1.083 3.374 -2.916 -2.403 -2.726 -2.577
3.375 2.714 3.227 2.905 3.054 3.375 2.664 3.177 2.855 3.004 3.375 0.779 1.292 0.970 1.119 3.375 -2.881 -2.368 -2.690 -2.541
3.499 2.343 2.858 2.538 2.685 3.499 2.293 2.808 2.488 2.635 3.499 0.458 0.973 0.653 0.800 3.499 -3.082 -2.567 -2.887 -2.740
3.500 2.395 2.910 2.590 2.737 3.500 2.345 2.860 2.540 2.687 3.500 0.510 1.025 0.705 0.852 3.500 -3.030 -2.515 -2.835 -2.688
3.625 2.157 2.672 2.352 2.499 3.625 2.107 2.622 2.302 2.449 3.625 0.422 0.937 0.617 0.764 3.625 -3.078 -2.563 -2.883 -2.736
3.749 2.459 2.944 2.632 2.774 3.749 2.436 2.921 2.609 2.751 3.749 0.741 1.226 0.914 1.056 3.749 -2.779 -2.294 -2.606 -2.464
3.750 2.465 2.949 2.638 2.779 3.750 2.442 2.926 2.615 2.756 3.750 0.747 1.231 0.920 1.061 3.750 -2.773 -2.289 -2.600 -2.459
3.874 2.335 2.824 2.516 2.655 3.874 2.285 2.774 2.466 2.605 3.874 0.740 1.229 0.921 1.060 3.874 -2.820 -2.331 -2.639 -2.500
3.875 2.356 2.845 2.537 2.676 3.875 2.306 2.795 2.487 2.626 3.875 0.761 1.250 0.942 1.081 3.875 -2.799 -2.310 -2.618 -2.479
3.999 1.955 2.447 2.140 2.278 3.999 1.905 2.397 2.090 2.228 3.999 0.550 1.042 0.735 0.873 3.999 -3.190 -2.698 -3.005 -2.867
4.000 2.008 2.499 2.193 2.330 4.000 1.958 2.449 2.143 2.280 4.000 0.603 1.094 0.788 0.925 4.000 -3.137 -2.646 -2.952 -2.815
4.125 1.909 2.401 2.094 2.232 4.125 1.859 2.351 2.044 2.182 4.125 0.774 1.266 0.959 1.097 4.125 -3.096 -2.604 -2.911 -2.773
4.250 2.839 3.081 2.784 2.704 4.250 2.789 3.031 2.734 2.654 4.250 1.244 1.486 1.189 1.109 4.250 -2.516 -2.274 -2.571 -2.651
4.375 2.682 2.929 2.634 2.552 4.375 2.632 2.879 2.584 2.502 4.375 1.477 1.724 1.429 1.347 4.375 -2.513 -2.266 -2.561 -2.643
> 150K <= 175K > 175K <= 200K > 200K <=225K > 225K <=250KRate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day
2.250 2.112 2.657 2.303 2.506 2.250 1.707 2.252 1.898 2.101 2.250 1.477 2.022 1.668 1.871 2.250 1.481 2.026 1.673 1.876
2.375 1.306 1.855 1.505 1.705 2.375 0.901 1.450 1.100 1.300 2.375 0.721 1.270 0.920 1.120 2.375 0.725 1.275 0.925 1.125
2.500 0.505 1.059 0.712 0.909 2.500 0.100 0.654 0.307 0.504 2.500 -0.080 0.474 0.127 0.324 2.500 -0.076 0.479 0.132 0.329
2.625 -0.444 0.115 -0.228 -0.034 2.625 -0.819 -0.260 -0.603 -0.409 2.625 -0.719 -0.160 -0.503 -0.309 2.625 -0.714 -0.155 -0.498 -0.304
2.750 -1.468 -0.905 -1.244 -1.053 2.750 -1.463 -0.900 -1.239 -1.048 2.750 -1.383 -0.820 -1.159 -0.968 2.750 -1.378 -0.815 -1.155 -0.963
2.875 -1.868 -1.300 -1.636 -1.448 2.875 -1.923 -1.355 -1.691 -1.503 2.875 -1.853 -1.285 -1.621 -1.433 2.875 -1.848 -1.281 -1.617 -1.428
2.999 -2.145 -1.575 -1.909 -1.722 2.999 -2.270 -1.700 -2.034 -1.847 2.999 -2.290 -1.720 -2.054 -1.867 2.999 -2.285 -1.715 -2.049 -1.862
3.000 -2.031 -1.461 -1.796 -1.608 3.000 -2.156 -1.586 -1.921 -1.733 3.000 -2.176 -1.606 -1.941 -1.753 3.000 -2.172 -1.602 -1.936 -1.749
3.124 -2.430 -1.860 -2.194 -2.007 3.124 -2.475 -1.905 -2.239 -2.052 3.124 -2.555 -1.985 -2.319 -2.132 3.124 -2.551 -1.980 -2.315 -2.128
3.125 -2.381 -1.811 -2.146 -1.958 3.125 -2.426 -1.856 -2.191 -2.003 3.125 -2.506 -1.936 -2.271 -2.083 3.125 -2.502 -1.932 -2.266 -2.079
3.250 -2.657 -2.149 -2.475 -2.323 3.250 -2.722 -2.214 -2.540 -2.388 3.250 -2.752 -2.244 -2.570 -2.418 3.250 -2.752 -2.244 -2.570 -2.418
3.374 -3.036 -2.523 -2.846 -2.697 3.374 -3.051 -2.538 -2.861 -2.712 3.374 -3.081 -2.568 -2.891 -2.742 3.374 -3.081 -2.568 -2.891 -2.742
3.375 -3.001 -2.488 -2.810 -2.661 3.375 -3.016 -2.503 -2.825 -2.676 3.375 -3.046 -2.533 -2.855 -2.706 3.375 -3.046 -2.533 -2.855 -2.706
3.499 -3.452 -2.937 -3.257 -3.110 3.499 -3.437 -2.922 -3.242 -3.095 3.499 -3.297 -2.782 -3.102 -2.955 3.499 -3.297 -2.782 -3.102 -2.955
3.500 -3.400 -2.885 -3.205 -3.058 3.500 -3.385 -2.870 -3.190 -3.043 3.500 -3.245 -2.730 -3.050 -2.903 3.500 -3.245 -2.730 -3.050 -2.903
3.625 -3.558 -3.043 -3.363 -3.216 3.625 -3.703 -3.188 -3.508 -3.361 3.625 -3.493 -2.978 -3.298 -3.151 3.625 -3.493 -2.978 -3.298 -3.151
3.749 -3.319 -2.834 -3.146 -3.004 3.749 -3.264 -2.779 -3.091 -2.949 3.749 -3.094 -2.609 -2.921 -2.779 3.749 -3.094 -2.609 -2.921 -2.779
3.750 -3.313 -2.829 -3.140 -2.999 3.750 -3.258 -2.774 -3.085 -2.944 3.750 -3.088 -2.604 -2.915 -2.774 3.750 -3.088 -2.604 -2.915 -2.774
3.874 -3.390 -2.901 -3.209 -3.070 3.874 -3.435 -2.946 -3.254 -3.115 3.874 -3.335 -2.846 -3.154 -3.015 3.874 -3.335 -2.846 -3.154 -3.015
3.875 -3.369 -2.880 -3.188 -3.049 3.875 -3.414 -2.925 -3.233 -3.094 3.875 -3.314 -2.825 -3.133 -2.994 3.875 -3.314 -2.825 -3.133 -2.994
3.999 -3.560 -3.068 -3.375 -3.237 3.999 -3.655 -3.163 -3.470 -3.332 3.999 -3.615 -3.123 -3.430 -3.292 3.999 -3.615 -3.123 -3.430 -3.292
4.000 -3.507 -3.016 -3.322 -3.185 4.000 -3.602 -3.111 -3.417 -3.280 4.000 -3.562 -3.071 -3.377 -3.240 4.000 -3.562 -3.071 -3.377 -3.240
4.125 -3.516 -3.024 -3.331 -3.193 4.125 -2.969 -2.477 -2.784 -2.646 4.125 -3.471 -2.979 -3.286 -3.148 4.125 -3.471 -2.979 -3.286 -3.148
4.250 -2.626 -2.384 -2.681 -2.761 4.250 -2.271 -2.029 -2.326 -2.406 4.250 -2.351 -2.109 -2.406 -2.486 4.250 -2.351 -2.109 -2.406 -2.486
4.375 -2.543 -2.296 -2.591 -2.673 4.375 -2.578 -2.331 -2.626 -2.708 4.375 -2.498 -2.251 -2.546 -2.628 4.375 -2.498 -2.251 -2.546 -2.628
8/7/2020
Indications Only
11 of 17
Lock Desk
(833) 769-3710 (open 7am to 5pm PT)
Effective Date: www.PennyMacBrokerDirect.comRates subject to change without notice
HomePossible Indicative Rates
Home Possible Main Products Fixed Max Net Rebate SB: -4.50 | HB: -4.50
30Yr >250K 30Yr HB 20Yr Fixed 20Yr Fixed HBRate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day
2.750 -1.453 -0.919 -1.219 -1.006 2.750 -0.203 0.331 0.032 0.298 2.750 0.117 0.629 0.319 0.468 2.750 2.271 2.805 2.506 2.772
2.875 -1.941 -1.418 -1.722 -1.521 2.875 -0.642 -0.120 -0.424 -0.169 2.875 -0.400 0.097 -0.218 -0.079 2.875 1.820 2.343 2.039 2.294
3.000 -2.224 -1.714 -2.022 -1.831 3.000 -0.918 -0.407 -0.715 -0.471 3.000 -1.007 -0.521 -0.840 -0.707 3.000 1.116 1.626 1.318 1.563
3.125 -2.456 -1.955 -2.267 -2.086 3.125 -1.111 -0.611 -0.922 -0.688 3.125 -1.241 -0.755 -1.073 -0.944 3.125 0.803 1.303 0.992 1.226
3.250 -2.705 -2.206 -2.517 -2.322 3.250 -0.780 -0.281 -0.592 -0.317 3.250 -1.609 -1.127 -1.446 -1.298 3.250 0.925 1.424 1.113 1.388
3.375 -3.059 -2.584 -2.904 -2.726 3.375 -1.212 -0.737 -1.057 -0.798 3.375 -2.045 -1.570 -1.891 -1.748 3.375 0.543 1.018 0.698 0.957
3.500 -3.195 -2.733 -3.059 -2.888 3.500 -1.507 -1.045 -1.370 -1.119 3.500 -2.289 -1.821 -2.144 -2.006 3.500 0.332 0.794 0.469 0.720
3.625 -3.409 -2.938 -3.258 -3.088 3.625 -1.700 -1.229 -1.549 -1.299 3.625 -2.575 -2.114 -2.438 -2.304 3.625 0.043 0.513 0.193 0.443
3.750 -2.882 -2.349 -2.639 -2.414 3.750 0.001 0.534 0.245 0.597 3.750 -1.848 -1.328 -1.624 -1.437 3.750 1.475 2.008 1.719 2.071
3.875 -3.144 -2.617 -2.908 -2.688 3.875 -0.290 0.237 -0.054 0.294 3.875 -2.182 -1.669 -1.966 -1.783 3.875 1.148 1.675 1.384 1.732
4.000 -3.429 -2.907 -3.198 -2.983 4.000 -0.619 -0.097 -0.388 -0.044 4.000 -2.494 -1.985 -2.282 -2.103 4.000 1.039 1.561 1.269 1.613
4.125 -3.248 -2.730 -3.021 -2.808 4.125 -0.881 -0.362 -0.654 -0.313 4.125 -2.438 -1.933 -2.231 -2.053 4.125 0.915 1.434 1.142 1.483
4.250 -2.494 -2.056 -2.384 -2.223 4.250 1.215 1.653 1.325 1.664 4.250 -2.459 -2.016 -2.342 -2.188 4.250 2.547 2.986 2.658 2.996
4.375 -2.686 -2.251 -2.579 -2.421 4.375 1.036 1.471 1.142 1.479 4.375 -2.578 -2.139 -2.465 -2.312 4.375 2.317 2.752 2.424 2.761
4.500 -2.867 -2.436 -2.764 -2.608 4.500 0.820 1.251 0.923 1.257 4.500 -2.672 -2.235 -2.562 -2.411 4.500 2.094 2.526 2.197 2.532
4.625 -2.842 -2.413 -2.741 -2.587 4.625 0.780 1.209 0.880 1.213 4.625 -2.662 -2.228 -2.554 -2.404 4.625 2.046 2.475 2.147 2.479
4.750 -2.733 -2.300 -2.625 -2.496 4.750 1.153 1.586 1.261 1.586 4.750 -2.864 -2.427 -2.751 -2.630 4.750 2.400 2.833 2.508 2.834
4.875 -2.945 -2.514 -2.838 -2.712 4.875 0.967 1.398 1.074 1.397 4.875 -3.104 -2.669 -2.992 -2.872 4.875 2.193 2.625 2.301 2.623
15Yr Fixed 15Yr Fixed HB 10Yr Fixed 10Yr Fixed HBRate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day
2.375 -1.390 -0.893 -1.215 -1.051 2.375 -0.432 0.065 -0.257 -0.040 2.375 -1.283 -0.787 -1.108 -0.945 2.375 -0.355 0.142 -0.180 0.037
2.500 -1.867 -1.372 -1.693 -1.531 2.500 -0.901 -0.406 -0.726 -0.511 2.500 -1.773 -1.278 -1.598 -1.437 2.500 -0.834 -0.339 -0.660 -0.445
2.625 -2.071 -1.584 -1.906 -1.783 2.625 -1.097 -0.610 -0.932 -0.756 2.625 -2.147 -1.660 -1.983 -1.860 2.625 -1.035 -0.548 -0.870 -0.694
2.750 -2.352 -1.868 -2.192 -2.070 2.750 -1.372 -0.889 -1.212 -1.038 2.750 -2.436 -1.953 -2.277 -2.155 2.750 -1.316 -0.833 -1.157 -0.982
2.875 -2.622 -2.145 -2.469 -2.352 2.875 -1.639 -1.162 -1.486 -1.315 2.875 -2.707 -2.230 -2.555 -2.437 2.875 -1.582 -1.104 -1.429 -1.258
3.000 -2.798 -2.328 -2.654 -2.538 3.000 -1.813 -1.342 -1.669 -1.500 3.000 -2.877 -2.406 -2.733 -2.618 3.000 -1.747 -1.276 -1.602 -1.434
3.125 -2.648 -2.212 -2.553 -2.440 3.125 -0.849 -0.413 -0.754 -0.548 3.125 -2.945 -2.467 -2.789 -2.650 3.125 -0.769 -0.333 -0.674 -0.467
3.250 -2.800 -2.365 -2.706 -2.594 3.250 -1.001 -0.566 -0.907 -0.701 3.250 -3.070 -2.594 -2.916 -2.777 3.250 -0.907 -0.472 -0.812 -0.607
3.375 -3.109 -2.677 -3.017 -2.907 3.375 -1.325 -0.893 -1.234 -1.030 3.375 -3.358 -2.885 -3.207 -3.071 3.375 -1.226 -0.794 -1.135 -0.931
3.500 -3.149 -2.720 -3.061 -2.952 3.500 -1.402 -0.973 -1.314 -1.112 3.500 -3.390 -2.920 -3.242 -3.107 3.500 -1.310 -0.881 -1.221 -1.019
3.625 -2.486 -2.079 -2.428 -2.336 3.625 0.399 0.806 0.457 0.703 3.625 -2.443 -2.020 -2.362 -2.256 3.625 0.479 0.887 0.538 0.783
3.750 -2.777 -2.372 -2.720 -2.631 3.750 0.033 0.439 0.090 0.333 3.750 -2.732 -2.311 -2.653 -2.550 3.750 0.113 0.518 0.169 0.413
3.875 -2.804 -2.401 -2.750 -2.662 3.875 -0.075 0.328 -0.021 0.221 3.875 -2.754 -2.337 -2.680 -2.578 3.875 0.012 0.414 0.065 0.307
4.000 -3.026 -2.626 -2.975 -2.888 4.000 -0.381 0.019 -0.329 -0.089 4.000 -2.985 -2.570 -2.911 -2.810 4.000 -0.284 0.116 -0.232 0.008
4.125 -2.240 -1.784 -2.105 -1.973 4.125 0.696 1.152 0.831 1.135 4.125 -2.379 -1.923 -2.244 -2.112 4.125 0.806 1.262 0.941 1.245
4.250 -2.578 -2.125 -2.447 -2.316 4.250 0.419 0.872 0.550 0.852 4.250 -2.714 -2.262 -2.584 -2.454 4.250 0.542 0.994 0.673 0.975
4.375 -2.782 -2.333 -2.655 -2.528 4.375 0.288 0.736 0.414 0.713 4.375 -2.918 -2.469 -2.791 -2.664 4.375 0.420 0.869 0.547 0.846
HomePossible 30 Fixed Lower Loan Amounts Max Net Rebate SB: -4.50 | HB: -4.50
30Yr <= 85K 30Yr > 85K <= 110K 30Yr > 110K <= 125K 30Yr > 125K <= 150KRate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day
2.750 4.317 4.851 4.551 4.764 2.750 4.267 4.801 4.501 4.714 2.750 3.412 3.946 3.646 3.859 2.750 -0.988 -0.454 -0.754 -0.541
2.875 3.799 4.322 4.018 4.219 2.875 3.749 4.272 3.968 4.169 2.875 2.154 2.677 2.373 2.574 2.875 -1.776 -1.253 -1.557 -1.356
3.000 4.166 4.676 4.368 4.559 3.000 4.116 4.626 4.318 4.509 3.000 2.431 2.941 2.633 2.824 3.000 -1.499 -0.989 -1.297 -1.106
3.125 3.564 4.065 3.753 3.934 3.125 3.514 4.015 3.703 3.884 3.125 1.619 2.120 1.808 1.989 3.125 -2.411 -1.910 -2.222 -2.041
3.250 2.895 3.394 3.083 3.278 3.250 2.675 3.174 2.863 3.058 3.250 0.920 1.419 1.108 1.303 3.250 -3.110 -2.611 -2.922 -2.727
3.375 2.501 2.976 2.656 2.834 3.375 2.451 2.926 2.606 2.784 3.375 0.536 1.011 0.691 0.869 3.375 -3.054 -2.579 -2.899 -2.721
3.500 2.245 2.707 2.381 2.552 3.500 2.195 2.657 2.331 2.502 3.500 0.330 0.792 0.466 0.637 3.500 -3.140 -2.678 -3.004 -2.833
3.625 2.041 2.512 2.192 2.362 3.625 1.991 2.462 2.142 2.312 3.625 0.276 0.747 0.427 0.597 3.625 -3.154 -2.683 -3.003 -2.833
3.750 2.471 3.004 2.714 2.939 3.750 2.448 2.981 2.691 2.916 3.750 0.723 1.256 0.966 1.191 3.750 -2.727 -2.194 -2.484 -2.259
3.875 2.326 2.853 2.562 2.782 3.875 2.276 2.803 2.512 2.732 3.875 0.701 1.228 0.937 1.157 3.875 -2.789 -2.262 -2.553 -2.333
4.000 1.941 2.463 2.172 2.387 4.000 1.891 2.413 2.122 2.337 4.000 0.506 1.028 0.737 0.952 4.000 -3.164 -2.642 -2.933 -2.718
4.125 1.932 2.450 2.159 2.372 4.125 1.882 2.400 2.109 2.322 4.125 0.767 1.285 0.994 1.207 4.125 -3.033 -2.515 -2.806 -2.593
4.250 2.496 2.934 2.606 2.767 4.250 2.446 2.884 2.556 2.717 4.250 0.871 1.309 0.981 1.142 4.250 -2.819 -2.381 -2.709 -2.548
4.375 2.294 2.729 2.401 2.559 4.375 2.244 2.679 2.351 2.509 4.375 1.059 1.494 1.166 1.324 4.375 -2.861 -2.426 -2.754 -2.596
4.500 2.193 2.624 2.296 2.452 4.500 2.143 2.574 2.246 2.402 4.500 0.968 1.399 1.071 1.227 4.500 -2.962 -2.531 -2.859 -2.703
4.625 2.078 2.507 2.179 2.333 4.625 2.028 2.457 2.129 2.283 4.625 0.993 1.422 1.094 1.248 4.625 -3.077 -2.648 -2.976 -2.822
4.750 2.117 2.550 2.225 2.354 4.750 2.067 2.500 2.175 2.304 4.750 1.112 1.545 1.220 1.349 4.750 -3.038 -2.605 -2.930 -2.801
4.875 1.825 2.256 1.932 2.058 4.875 1.775 2.206 1.882 2.008 4.875 0.820 1.251 0.927 1.053 4.875 -3.330 -2.899 -3.223 -3.097
30Yr > 150K <= 175K 30Yr > 175K <= 200K 30Yr > 200K <=225K 30Yr > 225K <=250KRate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day
2.750 -1.698 -1.164 -1.464 -1.251 2.750 -1.703 -1.169 -1.469 -1.256 2.750 -1.453 -0.919 -1.219 -1.006 2.750 -1.453 -0.919 -1.219 -1.006
2.875 -2.116 -1.593 -1.897 -1.696 2.875 -2.181 -1.658 -1.962 -1.761 2.875 -1.941 -1.418 -1.722 -1.521 2.875 -1.941 -1.418 -1.722 -1.521
3.000 -2.239 -1.729 -2.037 -1.846 3.000 -2.374 -1.864 -2.172 -1.981 3.000 -2.224 -1.714 -2.022 -1.831 3.000 -2.224 -1.714 -2.022 -1.831
3.125 -2.491 -1.990 -2.302 -2.121 3.125 -2.546 -2.045 -2.357 -2.176 3.125 -2.456 -1.955 -2.267 -2.086 3.125 -2.456 -1.955 -2.267 -2.086
3.250 -2.770 -2.271 -2.582 -2.387 3.250 -2.845 -2.346 -2.657 -2.462 3.250 -2.705 -2.206 -2.517 -2.322 3.250 -2.705 -2.206 -2.517 -2.322
3.375 -3.174 -2.699 -3.019 -2.841 3.375 -3.199 -2.724 -3.044 -2.866 3.375 -3.059 -2.584 -2.904 -2.726 3.375 -3.059 -2.584 -2.904 -2.726
3.500 -3.510 -3.048 -3.374 -3.203 3.500 -3.575 -3.113 -3.439 -3.268 3.500 -3.195 -2.733 -3.059 -2.888 3.500 -3.195 -2.733 -3.059 -2.888
3.625 -3.634 -3.163 -3.483 -3.313 3.625 -3.789 -3.318 -3.638 -3.468 3.625 -3.409 -2.938 -3.258 -3.088 3.625 -3.409 -2.938 -3.258 -3.088
3.750 -3.267 -2.734 -3.024 -2.799 3.750 -3.222 -2.689 -2.979 -2.754 3.750 -2.882 -2.349 -2.639 -2.414 3.750 -2.882 -2.349 -2.639 -2.414
3.875 -3.359 -2.832 -3.123 -2.903 3.875 -3.414 -2.887 -3.178 -2.958 3.875 -3.144 -2.617 -2.908 -2.688 3.875 -3.144 -2.617 -2.908 -2.688
4.000 -3.534 -3.012 -3.303 -3.088 4.000 -3.639 -3.117 -3.408 -3.193 4.000 -3.429 -2.907 -3.198 -2.983 4.000 -3.429 -2.907 -3.198 -2.983
4.125 -3.453 -2.935 -3.226 -3.013 4.125 -2.916 -2.398 -2.689 -2.476 4.125 -3.248 -2.730 -3.021 -2.808 4.125 -3.248 -2.730 -3.021 -2.808
4.250 -2.929 -2.491 -2.819 -2.658 4.250 -2.584 -2.146 -2.474 -2.313 4.250 -2.494 -2.056 -2.384 -2.223 4.250 -2.494 -2.056 -2.384 -2.223
4.375 -2.891 -2.456 -2.784 -2.626 4.375 -2.936 -2.501 -2.829 -2.671 4.375 -2.686 -2.251 -2.579 -2.421 4.375 -2.686 -2.251 -2.579 -2.421
4.500 -2.992 -2.561 -2.889 -2.733 4.500 -3.097 -2.666 -2.994 -2.838 4.500 -2.867 -2.436 -2.764 -2.608 4.500 -2.867 -2.436 -2.764 -2.608
4.625 -2.957 -2.528 -2.856 -2.702 4.625 -3.062 -2.633 -2.961 -2.807 4.625 -2.842 -2.413 -2.741 -2.587 4.625 -2.842 -2.413 -2.741 -2.587
4.750 -2.918 -2.485 -2.810 -2.681 4.750 -3.023 -2.590 -2.915 -2.786 4.750 -2.733 -2.300 -2.625 -2.496 4.750 -2.733 -2.300 -2.625 -2.496
4.875 -3.210 -2.779 -3.103 -2.977 4.875 -3.415 -2.984 -3.308 -3.182 4.875 -2.945 -2.514 -2.838 -2.712 4.875 -2.945 -2.514 -2.838 -2.712
8/7/2020
Indications Only
12 of 17
Lock Desk
(833) 769-3710 (open 7am to 5pm PT)
Effective Date: www.PennyMacBrokerDirect.comRates subject to change without notice
HomeOne Indicative Rates
HomeOne Main Products Fixed Max Net Rebate SB: -4.50 | HB: -4.50
Conv 30 Yr Fixed >250K Conv 20Yr Fixed Conv 15Yr Fixed Conv 10Yr FixedRate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day
2.750 -1.453 -0.919 -1.219 -1.006 2.750 -0.243 0.269 -0.041 0.108 2.375 -1.390 -0.893 -1.215 -1.051 2.375 -1.283 -0.787 -1.108 -0.945
2.875 -1.941 -1.418 -1.722 -1.521 2.875 -0.760 -0.263 -0.578 -0.439 2.500 -1.867 -1.372 -1.693 -1.531 2.500 -1.773 -1.278 -1.598 -1.437
3.000 -2.224 -1.714 -2.022 -1.831 3.000 -1.067 -0.581 -0.900 -0.767 2.625 -2.071 -1.584 -1.906 -1.783 2.625 -2.147 -1.660 -1.983 -1.860
3.125 -2.456 -1.955 -2.267 -2.086 3.125 -1.301 -0.815 -1.133 -1.004 2.750 -2.352 -1.868 -2.192 -2.070 2.750 -2.506 -2.023 -2.347 -2.225
3.250 -2.705 -2.206 -2.517 -2.322 3.250 -1.669 -1.187 -1.506 -1.358 2.875 -2.622 -2.145 -2.469 -2.352 2.875 -2.777 -2.300 -2.625 -2.507
3.375 -3.059 -2.584 -2.904 -2.726 3.375 -2.075 -1.600 -1.921 -1.778 3.000 -2.798 -2.328 -2.654 -2.538 3.000 -2.877 -2.406 -2.733 -2.618
3.500 -3.195 -2.733 -3.059 -2.888 3.500 -2.449 -1.981 -2.304 -2.166 3.125 -2.648 -2.212 -2.553 -2.440 3.125 -2.945 -2.467 -2.789 -2.650
3.625 -3.409 -2.938 -3.258 -3.088 3.625 -2.615 -2.154 -2.478 -2.344 3.250 -2.800 -2.365 -2.706 -2.594 3.250 -3.070 -2.594 -2.916 -2.777
3.750 -2.882 -2.349 -2.639 -2.414 3.750 -1.948 -1.428 -1.724 -1.537 3.375 -3.109 -2.677 -3.017 -2.907 3.375 -3.358 -2.885 -3.207 -3.071
3.875 -3.144 -2.617 -2.908 -2.688 3.875 -2.262 -1.749 -2.046 -1.863 3.500 -3.149 -2.720 -3.061 -2.952 3.500 -3.390 -2.920 -3.242 -3.107
4.000 -3.429 -2.907 -3.198 -2.983 4.000 -2.494 -1.985 -2.282 -2.103 3.625 -2.486 -2.079 -2.428 -2.336 3.625 -2.443 -2.020 -2.362 -2.256
4.125 -3.248 -2.730 -3.021 -2.808 4.125 -2.438 -1.933 -2.231 -2.053 3.750 -2.777 -2.372 -2.720 -2.631 3.750 -2.732 -2.311 -2.653 -2.550
4.250 -2.494 -2.056 -2.384 -2.223 4.250 -2.459 -2.016 -2.342 -2.188 3.875 -2.804 -2.401 -2.750 -2.662 3.875 -2.754 -2.337 -2.680 -2.578
4.375 -2.686 -2.251 -2.579 -2.421 4.375 -2.578 -2.139 -2.465 -2.312 4.000 -3.026 -2.626 -2.975 -2.888 4.000 -2.985 -2.570 -2.911 -2.810
4.500 -2.867 -2.436 -2.764 -2.608 4.500 -2.672 -2.235 -2.562 -2.411 4.125 -2.240 -1.784 -2.105 -1.973 4.125 -2.379 -1.923 -2.244 -2.112
4.625 -2.842 -2.413 -2.741 -2.587 4.625 -2.662 -2.228 -2.554 -2.404 4.250 -2.578 -2.125 -2.447 -2.316 4.250 -2.714 -2.262 -2.584 -2.454
4.750 -2.733 -2.300 -2.625 -2.496 4.750 -2.864 -2.427 -2.751 -2.630 4.375 -2.782 -2.333 -2.655 -2.528 4.375 -2.918 -2.469 -2.791 -2.664
4.875 -2.945 -2.514 -2.838 -2.712 4.875 -3.104 -2.669 -2.992 -2.872
HomeOne Fixed 30 Lower Loan Amounts Max Net Rebate SB: -4.50 | HB: -4.50
<= 85K > 85K <= 110K > 110K <= 125K > 125K <= 150KRate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day
2.750 4.317 4.851 4.551 4.764 2.750 4.267 4.801 4.501 4.714 2.750 3.412 3.946 3.646 3.859 2.750 -0.988 -0.454 -0.754 -0.541
2.875 3.799 4.322 4.018 4.219 2.875 3.749 4.272 3.968 4.169 2.875 2.154 2.677 2.373 2.574 2.875 -1.776 -1.253 -1.557 -1.356
3.000 4.166 4.676 4.368 4.559 3.000 4.116 4.626 4.318 4.509 3.000 2.431 2.941 2.633 2.824 3.000 -1.499 -0.989 -1.297 -1.106
3.125 3.564 4.065 3.753 3.934 3.125 3.514 4.015 3.703 3.884 3.125 1.619 2.120 1.808 1.989 3.125 -2.411 -1.910 -2.222 -2.041
3.250 2.895 3.394 3.083 3.278 3.250 2.675 3.174 2.863 3.058 3.250 0.920 1.419 1.108 1.303 3.250 -3.110 -2.611 -2.922 -2.727
3.375 2.501 2.976 2.656 2.834 3.375 2.451 2.926 2.606 2.784 3.375 0.536 1.011 0.691 0.869 3.375 -3.054 -2.579 -2.899 -2.721
3.500 2.245 2.707 2.381 2.552 3.500 2.195 2.657 2.331 2.502 3.500 0.330 0.792 0.466 0.637 3.500 -3.140 -2.678 -3.004 -2.833
3.625 2.041 2.512 2.192 2.362 3.625 1.991 2.462 2.142 2.312 3.625 0.276 0.747 0.427 0.597 3.625 -3.154 -2.683 -3.003 -2.833
3.750 2.471 3.004 2.714 2.939 3.750 2.448 2.981 2.691 2.916 3.750 0.723 1.256 0.966 1.191 3.750 -2.727 -2.194 -2.484 -2.259
3.875 2.326 2.853 2.562 2.782 3.875 2.276 2.803 2.512 2.732 3.875 0.701 1.228 0.937 1.157 3.875 -2.789 -2.262 -2.553 -2.333
4.000 1.941 2.463 2.172 2.387 4.000 1.891 2.413 2.122 2.337 4.000 0.506 1.028 0.737 0.952 4.000 -3.164 -2.642 -2.933 -2.718
4.125 1.932 2.450 2.159 2.372 4.125 1.882 2.400 2.109 2.322 4.125 0.767 1.285 0.994 1.207 4.125 -3.033 -2.515 -2.806 -2.593
4.250 2.496 2.934 2.606 2.767 4.250 2.446 2.884 2.556 2.717 4.250 0.871 1.309 0.981 1.142 4.250 -2.819 -2.381 -2.709 -2.548
4.375 2.294 2.729 2.401 2.559 4.375 2.244 2.679 2.351 2.509 4.375 1.059 1.494 1.166 1.324 4.375 -2.861 -2.426 -2.754 -2.596
4.500 2.193 2.624 2.296 2.452 4.500 2.143 2.574 2.246 2.402 4.500 0.968 1.399 1.071 1.227 4.500 -2.962 -2.531 -2.859 -2.703
4.625 2.078 2.507 2.179 2.333 4.625 2.028 2.457 2.129 2.283 4.625 0.993 1.422 1.094 1.248 4.625 -3.077 -2.648 -2.976 -2.822
4.750 2.117 2.550 2.225 2.354 4.750 2.067 2.500 2.175 2.304 4.750 1.112 1.545 1.220 1.349 4.750 -3.038 -2.605 -2.930 -2.801
4.875 1.825 2.256 1.932 2.058 4.875 1.775 2.206 1.882 2.008 4.875 0.820 1.251 0.927 1.053 4.875 -3.330 -2.899 -3.223 -3.097
> 150K <= 175K > 175K <= 200K > 200K <=225K > 225K <=250KRate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day
2.750 -1.698 -1.164 -1.464 -1.251 2.750 -1.703 -1.169 -1.469 -1.256 2.750 -1.453 -0.919 -1.219 -1.006 2.750 -1.453 -0.919 -1.219 -1.006
2.875 -2.116 -1.593 -1.897 -1.696 2.875 -2.181 -1.658 -1.962 -1.761 2.875 -1.941 -1.418 -1.722 -1.521 2.875 -1.941 -1.418 -1.722 -1.521
3.000 -2.239 -1.729 -2.037 -1.846 3.000 -2.374 -1.864 -2.172 -1.981 3.000 -2.224 -1.714 -2.022 -1.831 3.000 -2.224 -1.714 -2.022 -1.831
3.125 -2.491 -1.990 -2.302 -2.121 3.125 -2.546 -2.045 -2.357 -2.176 3.125 -2.456 -1.955 -2.267 -2.086 3.125 -2.456 -1.955 -2.267 -2.086
3.250 -2.770 -2.271 -2.582 -2.387 3.250 -2.845 -2.346 -2.657 -2.462 3.250 -2.705 -2.206 -2.517 -2.322 3.250 -2.705 -2.206 -2.517 -2.322
3.375 -3.174 -2.699 -3.019 -2.841 3.375 -3.199 -2.724 -3.044 -2.866 3.375 -3.059 -2.584 -2.904 -2.726 3.375 -3.059 -2.584 -2.904 -2.726
3.500 -3.510 -3.048 -3.374 -3.203 3.500 -3.575 -3.113 -3.439 -3.268 3.500 -3.195 -2.733 -3.059 -2.888 3.500 -3.195 -2.733 -3.059 -2.888
3.625 -3.634 -3.163 -3.483 -3.313 3.625 -3.789 -3.318 -3.638 -3.468 3.625 -3.409 -2.938 -3.258 -3.088 3.625 -3.409 -2.938 -3.258 -3.088
3.750 -3.267 -2.734 -3.024 -2.799 3.750 -3.222 -2.689 -2.979 -2.754 3.750 -2.882 -2.349 -2.639 -2.414 3.750 -2.882 -2.349 -2.639 -2.414
3.875 -3.359 -2.832 -3.123 -2.903 3.875 -3.414 -2.887 -3.178 -2.958 3.875 -3.144 -2.617 -2.908 -2.688 3.875 -3.144 -2.617 -2.908 -2.688
4.000 -3.534 -3.012 -3.303 -3.088 4.000 -3.639 -3.117 -3.408 -3.193 4.000 -3.429 -2.907 -3.198 -2.983 4.000 -3.429 -2.907 -3.198 -2.983
4.125 -3.453 -2.935 -3.226 -3.013 4.125 -2.916 -2.398 -2.689 -2.476 4.125 -3.248 -2.730 -3.021 -2.808 4.125 -3.248 -2.730 -3.021 -2.808
4.250 -2.929 -2.491 -2.819 -2.658 4.250 -2.584 -2.146 -2.474 -2.313 4.250 -2.494 -2.056 -2.384 -2.223 4.250 -2.494 -2.056 -2.384 -2.223
4.375 -2.891 -2.456 -2.784 -2.626 4.375 -2.936 -2.501 -2.829 -2.671 4.375 -2.686 -2.251 -2.579 -2.421 4.375 -2.686 -2.251 -2.579 -2.421
4.500 -2.992 -2.561 -2.889 -2.733 4.500 -3.097 -2.666 -2.994 -2.838 4.500 -2.867 -2.436 -2.764 -2.608 4.500 -2.867 -2.436 -2.764 -2.608
4.625 -2.957 -2.528 -2.856 -2.702 4.625 -3.062 -2.633 -2.961 -2.807 4.625 -2.842 -2.413 -2.741 -2.587 4.625 -2.842 -2.413 -2.741 -2.587
4.750 -2.918 -2.485 -2.810 -2.681 4.750 -3.023 -2.590 -2.915 -2.786 4.750 -2.733 -2.300 -2.625 -2.496 4.750 -2.733 -2.300 -2.625 -2.496
4.875 -3.210 -2.779 -3.103 -2.977 4.875 -3.415 -2.984 -3.308 -3.182 4.875 -2.945 -2.514 -2.838 -2.712 4.875 -2.945 -2.514 -2.838 -2.712
8/7/2020
Indications Only
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Rates subject to change without notice
FICO/LTV LLPAs for All Loans (> 15 Yr Terms)
FICO/LTV% ≤ 40 ≤ 50 ≤ 60 ≤ 70 ≤ 75 ≤ 80 ≤ 85 ≤ 90 ≤ 95 ≤ 97
≥ 740 0.000 0.000 0.000 0.250 0.250 0.500 0.250 0.250 0.250 0.750
720 - 739 0.000 0.000 0.000 0.250 0.500 0.750 0.500 0.500 0.500 1.000
700 - 719 0.000 0.000 0.000 0.500 1.000 1.250 1.000 1.000 1.000 1.500
680 - 699 0.000 0.000 0.000 0.500 1.250 1.750 1.500 1.250 1.250 1.500
660 - 679 0.000 0.000 0.000 1.000 2.250 2.750 2.750 2.250 2.250 2.250
640 - 659 0.500 0.500 0.500 1.250 2.750 3.000 3.250 2.750 2.750 2.750
620 - 639 0.500 0.500 0.500 1.500 3.000 3.000 3.250 3.250 3.250 3.500
Risk Based Adjusters for All Loans (> 20 year terms)(4) Cash-Out Refinance (All terms)
FICO/LTV% ≤ 40 ≤ 50 ≤ 60 ≤ 70 ≤ 75 ≤ 80 ≤ 85 ≤ 90 ≤ 95 ≤ 97 FICO/LTV% ≤ 60 ≤ 70 ≤ 75 ≤ 80 ≤ 85
≥ 800 -0.050 -0.010 0.000 -0.100 -0.070 -0.125 0.000 -0.015 -0.011 0.004 ≥ 800 1.006 1.253 1.248 6.896 na
780 - 799 -0.050 -0.010 0.000 -0.100 -0.060 -0.120 -0.020 -0.016 -0.010 0.009 780 - 799 1.006 1.253 1.248 6.896 na
760 - 779 -0.050 -0.010 0.000 -0.090 -0.060 -0.100 0.000 -0.012 -0.011 0.013 760 - 779 1.006 1.253 1.248 6.896 na
740 - 759 -0.050 -0.010 0.000 -0.080 -0.050 -0.050 0.030 -0.018 -0.021 0.006 740 - 759 1.006 1.253 1.248 6.896 na
720 - 739 -0.030 0.000 0.000 -0.040 0.000 0.000 0.100 0.070 0.090 0.145 720 - 739 6.398 7.025 7.022 7.148 na
700 - 719 -0.030 0.010 0.020 -0.010 0.050 0.050 0.170 0.135 0.152 0.221 700 - 719 6.395 7.031 7.039 7.174 na
680 - 699 -0.030 0.040 0.060 0.000 0.156 0.316 0.380 0.320 0.350 0.370 680 - 699 6.408 7.180 7.207 7.853 na
660 - 679 -0.030 0.050 0.075 0.080 0.260 0.450 0.470 0.440 0.490 0.530 660 - 679 6.707 7.236 7.267 8.040 na
640 - 659 0.125 0.210 0.235 0.290 0.460 0.680 0.740 0.650 0.770 0.850 640 - 659 6.975 8.003 8.027 9.043 na
620 - 639 0.250 0.300 0.325 0.390 0.620 0.860 0.910 0.820 0.950 0.970 620 - 639 7.024 8.048 8.065 9.576 na
Risk Based Adjusters for All Loans (≤ 20 year term and ARMs)(4)
FICO/LTV% ≤ 40 ≤ 50 ≤ 60 ≤ 70 ≤ 75 ≤ 80 ≤ 85 ≤ 90 ≤ 95 ≤ 97
≥ 800 0.027 0.027 0.026 0.030 0.035 0.035 0.043 0.051 0.069 0.090
780 - 799 0.027 0.027 0.026 0.030 0.035 0.035 0.043 0.051 0.069 0.090
760 - 779 0.027 0.027 0.026 0.030 0.035 0.035 0.043 0.051 0.069 0.090
740 - 759 0.027 0.027 0.026 0.030 0.035 0.035 0.043 0.051 0.069 0.090
720 - 739 0.032 0.032 0.029 0.035 0.041 0.043 0.052 0.070 0.094 0.135
700 - 719 0.033 0.033 0.030 0.037 0.045 0.048 0.059 0.083 0.113 0.157
680 - 699 0.034 0.034 0.030 0.037 0.048 0.050 0.072 0.094 0.132 0.184
660 - 679 0.036 0.036 0.032 0.044 0.052 0.056 0.075 0.113 0.163 0.212
640 - 659 0.165 0.165 0.159 0.170 0.177 0.189 0.205 0.248 0.328 0.412
620 - 639 0.169 0.169 0.162 0.171 0.177 0.193 0.232 0.280 0.356 0.454
LLPAs by Product Feature Secondary Financing(3,6)
Feature/LTV% ≤ 60 ≤ 70 ≤ 75 ≤ 80 ≤ 85 ≤ 90 ≤ 95 ≤ 97 LTV % CLTV % FICO < 720(1)
≥ 720
Purchase Special(4,5) -0.320 -0.320 -0.320 -0.320 -0.320 -0.320 -0.320 -0.320 ≤ 75 ≤ 80 0.375 0.375
> 375K Purchase Special(4,5) -0.100 -0.100 -0.100 -0.100 -0.100 -0.100 -0.100 -0.100 ≤ 65 >80-95 0.875 0.625
Second Home 0.000 0.000 0.000 0.000 0.000 0.250 na na > 65 - 75 >80-95 1.125 0.875
ARM 0.000 0.000 0.000 0.000 0.000 0.000 0.250 0.250 > 75 - 95 >76-95 1.375 1.125
Investment Property 2.375 2.375 2.375 3.625 4.375 na na na ≤ 95 >95-97 1.875 1.875
Condo (>15yr)(2) 0.000 0.000 0.000 0.750 0.750 0.750 0.750 0.750 Home Possible - Secondary Financing
(3)
2-Unit Prop. 1.000 1.000 1.000 1.000 1.000 na na na LTV % CLTV % FICO < 720(1)
≥ 720
3-4 Unit Prop. 1.000 1.000 1.000 1.000 na na na na All All 0.500 0.500
High Balance Mortgage Loans Cumulative LLPA Cap (7)
Type/LTV% ≤ 60 ≤ 70 ≤ 75 ≤ 80 ≤ 85 ≤ 90 ≤ 95 ≤ 97 FICO/LTV% ≤ 80 > 80
Purchase 0.250 0.250 0.250 0.250 0.250 0.250 0.250 na ≥ 680 1.500 0.000
Rate & Term 0.250 0.250 0.250 0.250 0.250 0.250 0.250 na < 680 1.500 1.500
Cash-Out 1.000 1.000 1.000 1.000 na na na na
ARM 0.750 0.750 0.750 1.500 1.500 1.500 1.750 na
Other Conf Adjustments(4)
Program ≤ 50k ≤ 85k ≤ 110k ≤ 150k ≤ 175k ≤ 225k ≤ 275k ≤ 325k ≤ 375k ≤ 425k ≤ SB HB
20/25/30 0.650 0.235 0.070 0.000 -0.010 -0.070 -0.115 -0.160 -0.250 -0.300 -0.300 -0.030
10/15 1.100 0.310 0.130 0.020 0.030 -0.040 -0.100 0.000 -0.150 -0.150 -0.150 0.190
ARMs 1.120 0.115 0.020 -0.020 -0.020 -0.080 -0.130 -0.020 -0.150 -0.150 -0.150 0.200
CA,HI,NV,VT 0.000 21 - 25 Year Fixed(4) 0.040
All Other States 0.125
Tier 20/25/30 10/15 ARMs States
1 0.000 0.000 0.000 CA,IA,IN,MO,NE,VT,WI
2 -0.080 -0.045 -0.050 AZ,CO,IL,MA,SD,UT
3 -0.130 -0.080 -0.090 KS,KY,ND,NH,OH
4 -0.190 -0.090 -0.135 AL,CT,DC,DE,HI,ID,MD,ME,MI,MN,MT,NC,NM,NV,OR,RI,SC,TN,VA,WA,WV,WY
5 -0.220 -0.130 -0.155 AK,AR,GA,MS,NJ,OK
6 -0.270 -0.170 -0.180 FL,LA,PA,TX
(1) Also applies to loans in which all borrowers have nontraditional credit.(2) Not applicable to detached condominiums (identified by SFC 588) (3) If the subordinate financing is a Community Seconds / Affordable Second loan, these LLPAs do not apply(4) Not subject to Cumulative LLPA Cap(5) Applies to Primary Residence(6) Does not appply to Home Possible(7) Applies to HomeReady and Home Possible
Loan
Amount
Not
Impounded
State
Conventional Agency LLPAs
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Rates subject to change without notice
FHA FICO Adjustments FHA State AdjustmentsLoan Amount Tier 20/25/30 10/15 ARMs State
FICO Range ≤ 110K ≤ 225K > 225K 1 0.000 0.000 0.000 AZ,CA,IN,MA,UT
≥ 780 0.100 -0.200 -0.400 2 -0.080 -0.060 -0.050 CO,ID,KY,ME,MO,NV,VT
760 - 779 0.100 -0.200 -0.350 3 -0.130 -0.100 -0.080 DC,IA,IL,KS,ND,NE,OH,OK,OR,SD,WA,WI,WV
740 - 759 0.100 -0.200 -0.300 4 -0.180 -0.120 -0.130 CT,DE,HI,MD,MN,MT,NC,NM,SC,TN,VA,WY
720 - 739 0.100 -0.150 -0.250 5 -0.230 -0.160 -0.170 AK,AL,AR,GA,MI,MS,NH,NJ,RI,TX
700 - 719 0.200 0.000 -0.200 6 -0.270 -0.190 -0.200 FL,LA,PA
680 - 699 0.350 0.050 -0.150
660 - 679 1.500 1.150 0.750
640 - 659 1.750 1.500 1.250 FHA Streamline FICO > 620 0.050 Inv Prop / Second Home 0.500
620 - 639 3.500 3.500 3.000 2-4 Unit Prop Special- FullDoc(2) -0.250 Purchase Special (OO) -0.150
<620 na na na FHA Cash-Out 3.000
FHA Loan Amount Adjustments(1)
Program ≤ 50k ≤ 85k ≤ 110k ≤ 150k ≤ 175k ≤ 225k ≤ 275k ≤ 325k ≤ 375k ≤ 425k ≤ SB HB
20/25/30 - FD 0.670 0.100 -0.030 -0.060 -0.025 0.050 0.005 0.155 0.025 0.025 0.025 0.110
20/25/30 Streams 0.670 0.100 -0.030 -0.060 -0.025 0.050 0.005 0.155 0.025 0.025 0.025 0.110
10/15 0.650 0.190 0.020 -0.030 -0.020 0.010 -0.030 0.100 -0.040 -0.040 -0.040 0.040
ARMs 1.350 0.160 0.030 -0.010 -0.020 -0.085 -0.120 0.000 -0.120 -0.120 -0.120 0.180
(1) The loan amount/balance adjustments are based off of Total Loan Amount.
(2) 2-4 Unit property guidelines apply
Other FHA Adjustments
Government LLPAs
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Government LLPAs
VA Adjustments
VA FICO Adjustments VA State Adjustments
Loan Amount Tier 20/25/30 10/15/ARMs State
FICO Range ≤ 110K ≤ 225K > 225K 1 0.000 0.000 AL, AZ, CA, CO , ID , NC, OR, UT, VA
≥ 780 0.100 -0.150 -0.520 2 -0.100 -0.050 AK, DC, GA, HI, MA, MD, MO, ND, NH, NV, RI, SC, TN, WY
760 - 779 0.100 -0.100 -0.470 3 -0.120 -0.080
740 - 759 0.100 0.000 -0.200
720 - 739 0.100 0.000 -0.100 4 -0.140 -0.130 IA, ME, PA, TX
700 - 719 0.250 0.070 0.000 5 -0.200 -0.170 FL, IL, NJ, OH, WI
680 - 699 0.300 0.110 0.000 Other VA Price Adj(1,2)
660 - 679 1.250 1.150 0.770 VA > $1,000,000 0.250 VA Cash-Out 2.875
640 - 659 1.500 1.250 1.000 Purchase Special (OO) -1.000 VA Investment Property 0.150
620 - 639 3.500 3.250 3.000 2-4 Unit Prop Special- FullDoc(3) -0.250
Loan Amount AdjustmentsProgram ≤ 50k ≤ 75k ≤ 85k ≤ 100k ≤ 150k ≤ 175k ≤ 225k ≤ 275k ≤ 325k ≤ 375k ≤ 425k ≤ SB HB
20/25/30 1.670 0.680 0.490 0.380 0.160 0.096 0.030 0.050 0.120 -0.150 -0.150 -0.150 0.035
10/15 1.650 0.810 0.620 0.400 0.160 0.096 0.030 -0.015 0.055 -0.215 -0.215 -0.215 0.005
ARMs 2.300 0.720 0.530 0.390 0.160 0.068 -0.020 -0.110 -0.045 -0.155 -0.285 -0.285 0.105
VA IRRRL Price Adjustments by Tier/FICO/LTV %(2)
VA Full Doc Price Adjustments(2)
VA Tier 1 ≤ 80 ≤ 85 ≤ 90 ≤ 95 ≤ 100 ≤ 105 ≤ 110 > 110 VA Tier 1 ≤ 85 ≤ 90 ≤ 95 ≤ 100
≥ 780 0.000 0.005 0.012 0.022 0.046 0.048 0.086 2.360 ≥ 780 0.000 0.000 0.003 0.020
760 - 779 0.000 0.005 0.014 0.029 0.058 0.065 0.139 2.580 760 - 779 0.000 0.000 0.004 0.025
740 - 759 0.000 0.005 0.019 0.036 0.074 0.181 0.512 2.910 740 - 759 0.000 0.000 0.004 0.032
720 - 739 0.000 0.007 0.024 0.046 0.113 0.376 0.903 3.280 720 - 739 0.000 0.000 0.005 0.039
700 - 719 0.000 0.007 0.026 0.055 0.286 0.564 1.208 3.570 700 - 719 0.000 0.000 0.005 0.046
680 - 699 0.000 0.010 0.034 0.067 0.574 0.863 1.723 4.080 680 - 699 0.000 0.000 0.007 0.256
660 - 679 0.000 0.012 0.041 0.084 0.928 1.205 2.339 4.690 660 - 679 0.000 0.000 0.011 0.521
640 - 659 0.000 0.017 0.053 0.306 1.386 1.731 3.137 5.480 640 - 659 0.000 0.000 0.014 0.865
620 - 639 0.000 0.019 0.062 0.498 1.826 2.245 3.926 6.270 620 - 639 0.000 0.000 0.013 1.192
VA Tier 2 ≤ 80 ≤ 85 ≤ 90 ≤ 95 ≤ 100 ≤ 105 ≤ 110 > 110 VA Tier 2 ≤ 85 ≤ 90 ≤ 95 ≤ 100
≥ 780 0.002 0.010 0.022 0.038 0.065 0.065 0.110 2.460 ≥ 780 0.000 0.000 0.014 0.032
760 - 779 0.002 0.010 0.029 0.046 0.086 0.091 0.142 2.590 760 - 779 0.000 0.000 0.018 0.039
740 - 759 0.002 0.014 0.038 0.067 0.106 0.236 0.552 2.980 740 - 759 0.000 0.000 0.024 0.051
720 - 739 0.005 0.019 0.043 0.079 0.142 0.435 1.086 3.540 720 - 739 0.000 0.000 0.032 0.064
700 - 719 0.005 0.022 0.053 0.091 0.386 0.682 1.415 3.840 700 - 719 0.000 0.000 0.033 0.075
680 - 699 0.005 0.026 0.070 0.115 0.778 1.278 2.121 4.560 680 - 699 0.000 0.003 0.042 0.421
660 - 679 0.007 0.034 0.077 0.139 1.270 1.498 2.817 5.240 660 - 679 0.000 0.003 0.054 0.822
640 - 659 0.007 0.043 0.101 0.507 1.933 2.143 3.831 6.250 640 - 659 0.000 0.005 0.068 1.390
620 - 639 0.017 0.046 0.125 0.905 2.492 2.758 5.057 7.500 620 - 639 0.000 0.007 0.114 1.852
VA Tier 3 ≤ 80 ≤ 85 ≤ 90 ≤ 95 ≤ 100 ≤ 105 ≤ 110 > 110 VA Tier 3 ≤ 85 ≤ 90 ≤ 95 ≤ 100
≥ 780 0.002 0.007 0.022 0.041 0.067 0.070 0.106 2.440 ≥ 780 0.000 0.000 0.016 0.032
760 - 779 0.002 0.014 0.026 0.048 0.082 0.086 0.139 2.580 760 - 779 0.000 0.000 0.020 0.039
740 - 759 0.002 0.007 0.036 0.062 0.110 0.236 0.569 3.010 740 - 759 0.000 0.000 0.026 0.051
720 - 739 0.005 0.019 0.046 0.079 0.139 0.442 1.100 3.560 720 - 739 0.000 0.000 0.029 0.063
700 - 719 0.007 0.017 0.046 0.089 0.364 0.742 1.407 3.830 700 - 719 0.000 0.000 0.033 0.075
680 - 699 0.007 0.022 0.062 0.113 0.714 1.083 2.038 4.460 680 - 699 0.000 0.007 0.034 0.412
660 - 679 0.005 0.034 0.084 0.149 1.255 1.662 2.886 5.320 660 - 679 0.000 0.009 0.059 0.828
640 - 659 0.010 0.038 0.110 0.475 1.770 2.224 4.083 6.530 640 - 659 0.000 0.013 0.072 1.419
620 - 639 0.012 0.053 0.120 0.912 2.765 3.491 4.891 7.320 620 - 639 0.000 0.013 0.131 1.964
VA Tier 4 ≤ 80 ≤ 85 ≤ 90 ≤ 95 ≤ 100 ≤ 105 ≤ 110 > 110 VA Tier 4 ≤ 85 ≤ 90 ≤ 95 ≤ 100
≥ 780 0.005 0.022 0.041 0.062 0.094 0.096 0.139 2.580 ≥ 780 0.000 0.017 0.029 0.045
760 - 779 0.000 0.000 0.053 0.079 0.120 0.125 0.173 2.720 760 - 779 0.000 0.018 0.037 0.056
740 - 759 0.010 0.034 0.065 0.101 0.156 0.304 0.630 3.120 740 - 759 0.000 0.026 0.041 0.074
720 - 739 0.012 0.041 0.082 0.127 0.199 0.540 1.220 3.730 720 - 739 0.000 0.026 0.058 0.092
700 - 719 0.014 0.048 0.098 0.139 0.509 0.838 1.731 4.250 700 - 719 0.000 0.039 0.071 0.106
680 - 699 0.017 0.060 0.122 0.180 1.091 1.652 2.552 5.080 680 - 699 0.000 0.041 0.085 0.595
660 - 679 0.019 0.074 0.151 0.269 1.782 2.058 3.547 6.080 660 - 679 0.000 0.047 0.106 1.205
640 - 659 0.026 0.091 0.201 0.919 2.243 2.986 4.615 7.120 640 - 659 0.000 0.058 0.175 1.848
620 - 639 0.036 0.120 0.264 1.246 2.987 3.665 6.169 8.710 620 - 639 0.000 0.088 0.256 2.385
VA Tier 5 ≤ 80 ≤ 85 ≤ 90 ≤ 95 ≤ 100 ≤ 105 ≤ 110 > 110 VA Tier 5 ≤ 85 ≤ 90 ≤ 95 ≤ 100
≥ 780 0.010 0.029 0.053 0.074 0.108 0.115 0.151 2.630 ≥ 780 0.000 0.020 0.034 0.049
760 - 779 0.014 0.036 0.067 0.094 0.137 0.142 0.189 2.790 760 - 779 0.000 0.024 0.041 0.062
740 - 759 0.019 0.048 0.084 0.120 0.177 0.354 0.675 3.200 740 - 759 0.000 0.026 0.051 0.080
720 - 739 0.022 0.060 0.108 0.154 0.228 0.705 1.312 3.860 720 - 739 0.000 0.033 0.071 0.100
700 - 719 0.026 0.072 0.125 0.175 0.609 1.231 1.884 4.450 700 - 719 0.000 0.047 0.084 0.118
680 - 699 0.029 0.089 0.158 0.230 1.225 1.701 2.776 5.350 680 - 699 0.000 0.049 0.100 0.641
660 - 679 0.041 0.108 0.194 0.355 2.050 2.333 3.869 6.450 660 - 679 0.000 0.068 0.134 1.262
640 - 659 0.048 0.130 0.276 1.156 3.115 3.829 5.408 8.000 640 - 659 0.000 0.081 0.215 2.099
620 - 639 0.036 0.161 0.360 1.902 4.104 5.498 5.976 8.500 620 - 639 0.000 0.067 0.263 2.941
VA IRRRL Investment Property and Second Home Price Adj(2)
FICO/LTV% ≤ 80 ≤ 85 ≤ 90 ≤ 95 ≤ 100 ≤ 105 ≤ 110 > 110
≥ 720 0.011 0.030 0.057 0.086 0.116 0.161 0.197 0.750
700 - 719 0.024 0.064 0.120 0.179 0.241 0.332 0.407 1.250
680 - 699 0.032 0.088 0.165 0.247 0.335 0.463 0.570 1.750
660 - 679 0.046 0.126 0.236 0.351 0.474 0.652 0.795 2.250
640 - 659 0.064 0.174 0.324 0.478 0.640 0.872 1.053 3.000
620 - 639 0.083 0.225 0.415 0.610 0.813 1.103 1.327 3.500
(1) The loan amount/balance adjustments are based off of Total Loan Amount.
(2) The Govt LTV adjustments are based off of Total Loan LTV.
(3) 2-4 Unit property guidelines apply
AR, CT, DE, IN, KS, KY, LA, MI, MN, MS, MT, NE, NM, OK,
SD, VT, WA, WV
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Rates subject to change without notice
1 Borrower & DTI ≤ 45%
Purchase Non-Cash-Out RefinanceLTV 760+ < 760 < 740 < 720 < 700 < 680 < 660 < 640 LTV 760+ < 760 < 740 < 720 < 700 < 680 < 660 < 640
> 80 0.710 0.870 1.020 1.170 1.380 1.840 2.040 2.190 > 80 0.710 0.870 1.020 1.700 1.910 2.890 3.090 3.240> 85 1.430 2.040 2.500 3.010 3.670 5.050 5.360 5.870 > 85 1.430 2.040 2.500 3.540 4.200 6.100 6.410 6.920> 90 1.890 2.650 3.320 3.930 4.850 6.430 6.990 7.750 > 90 1.890 2.650 3.320 4.460 5.380 7.480 8.040 8.800
> 95 - 97 2.300 3.320 4.230 5.050 6.270 8.420 9.130 10.000 > 95 - 97 2.300 3.320 4.230 5.580 6.800 9.470 10.180 11.050Home Possible / HomeReady Home Possible / HomeReady
> 80 0.710 0.870 1.020 1.170 1.380 1.840 2.040 2.190 > 80 0.710 0.870 1.020 1.700 1.910 2.890 3.090 3.240> 85 1.430 2.040 2.500 3.010 3.670 5.050 5.360 5.870 > 85 1.430 2.040 2.500 3.540 4.200 6.100 6.410 6.920> 90 1.630 2.300 2.860 3.370 4.180 5.510 6.020 6.630 > 90 1.630 2.300 2.860 3.900 4.710 6.560 7.070 7.680
> 95 - 97 1.790 2.550 3.210 3.770 4.690 6.270 6.890 7.600 > 95 - 97 1.790 2.550 3.210 4.300 5.220 7.320 7.940 8.650
2+ Borrowers & DTI ≤ 45%
Purchase Non-Cash-Out Refinance
LTV 760+ < 760 < 740 < 720 < 700 < 680 < 660 < 640 LTV 760+ < 760 < 740 < 720 < 700 < 680 < 660 < 640
> 80 0.680 0.840 0.990 1.140 1.340 1.800 2.000 2.150 > 80 0.680 0.840 0.990 1.670 1.870 2.850 3.050 3.200> 85 1.330 1.940 2.400 2.910 3.560 4.940 5.240 5.720 > 85 1.330 1.940 2.400 3.440 4.090 5.990 6.290 6.770> 90 1.750 2.510 3.180 3.770 4.690 6.260 6.800 7.500 > 90 1.750 2.510 3.180 4.300 5.220 7.310 7.850 8.550
> 95 - 97 2.120 3.120 4.030 4.850 6.060 8.200 8.900 9.730 > 95 - 97 2.120 3.120 4.030 5.380 6.590 9.250 9.950 10.780Home Possible / HomeReady Home Possible / HomeReady
> 80 0.680 0.840 0.990 1.140 1.340 1.800 2.000 2.150 > 80 0.680 0.840 0.990 1.670 1.870 2.850 3.050 3.200> 85 1.330 1.940 2.400 2.910 3.560 4.940 5.240 5.720 > 85 1.330 1.940 2.400 3.440 4.090 5.990 6.290 6.770> 90 1.490 2.160 2.720 3.210 4.020 5.340 5.830 6.380 > 90 1.490 2.160 2.720 3.740 4.550 6.390 6.880 7.430
> 95 - 97 1.610 2.350 3.010 3.570 4.480 6.050 6.660 7.330 > 95 - 97 1.610 2.350 3.010 4.100 5.010 7.100 7.710 8.380
1 Borrower & DTI > 45%
Purchase Non-Cash-Out Refinance
LTV 760+ < 760 < 740 < 720 < 700 < 680 < 660 < 640 LTV 760+ < 760 < 740 < 720 < 700 < 680 < 660 < 640
> 80 0.820 1.040 1.240 1.470 1.760 2.260 2.480 2.680 > 80 0.820 1.040 1.240 2.000 2.290 3.310 3.530 3.730> 85 1.710 2.430 3.000 3.630 4.420 5.940 6.370 7.120 > 85 1.710 2.430 3.000 4.160 4.950 6.990 7.420 8.170> 90 2.240 3.090 3.890 4.650 5.850 7.550 8.260 9.280 > 90 2.240 3.090 3.890 5.180 6.380 8.600 9.310 10.330
> 95 - 97 2.680 3.940 4.990 6.110 7.510 9.840 10.730 11.820 > 95 - 97 2.680 3.940 4.990 6.640 8.040 10.890 11.780 12.870Home Possible / HomeReady Home Possible / HomeReady
> 80 0.820 1.040 1.240 1.470 1.760 2.260 2.480 2.680 > 80 0.820 1.040 1.240 2.000 2.290 3.310 3.530 3.730> 85 1.710 2.430 3.000 3.630 4.420 5.940 6.370 7.120 > 85 1.710 2.430 3.000 4.160 4.950 6.990 7.420 8.170> 90 1.980 2.740 3.430 4.090 5.180 6.630 7.290 8.160 > 90 1.980 2.740 3.430 4.620 5.710 7.680 8.340 9.210
> 95 - 97 2.170 3.170 3.970 4.830 5.930 7.690 8.490 9.420 > 95 - 97 2.170 3.170 3.970 5.360 6.460 8.740 9.540 10.470
2+ Borrowers & DTI > 45%
Purchase Non-Cash-Out Refinance
LTV 760+ < 760 < 740 < 720 < 700 < 680 < 660 < 640 LTV 760+ < 760 < 740 < 720 < 700 < 680 < 660 < 640
> 80 0.790 1.010 1.210 1.440 1.720 2.220 2.440 2.640 > 80 0.790 1.010 1.210 1.970 2.250 3.270 3.490 3.690
> 85 1.610 2.330 2.900 3.530 4.310 5.830 6.250 6.970 > 85 1.610 2.330 2.900 4.060 4.840 6.880 7.300 8.020> 90 2.100 2.950 3.750 4.490 5.690 7.380 8.070 9.030 > 90 2.100 2.950 3.750 5.020 6.220 8.430 9.120 10.080
> 95 - 97 2.500 3.740 4.790 5.910 7.300 9.620 10.500 11.550 > 95 - 97 2.500 3.740 4.790 6.440 7.830 10.670 11.550 12.600Home Possible / HomeReady Home Possible / HomeReady
> 80 0.790 1.010 1.210 1.440 1.720 2.220 2.440 2.640 > 80 0.790 1.010 1.210 1.970 2.250 3.270 3.490 3.690> 85 1.610 2.330 2.900 3.530 4.310 5.830 6.250 6.970 > 85 1.610 2.330 2.900 4.060 4.840 6.880 7.300 8.020> 90 1.840 2.600 3.290 3.930 5.020 6.460 7.100 7.910 > 90 1.840 2.600 3.290 4.460 5.550 7.510 8.150 8.960
> 95 - 97 1.990 2.970 3.770 4.630 5.720 7.470 8.260 9.150 > 95 - 97 1.990 2.970 3.770 5.160 6.250 8.520 9.310 10.200
1 Borrower & DTI ≤ 45%
Purchase Non-Cash-Out Refinance
LTV 760+ < 760 < 740 < 720 < 700 < 680 < 660 < 640 LTV 760+ < 760 < 740 < 720 < 700 < 680 < 660 < 640
> 80 0.550 0.550 0.550 0.550 0.590 0.730 0.780 0.890 > 80 0.550 0.550 0.550 1.080 1.120 1.780 1.830 1.940> 85 0.790 1.040 1.300 1.450 1.760 2.310 2.520 2.770 > 85 0.790 1.040 1.300 1.980 2.290 3.360 3.570 3.820> 90 1.450 2.120 2.680 3.090 3.900 5.120 5.630 6.240 > 90 1.450 2.120 2.680 3.620 4.430 6.170 6.680 7.290
> 95 - 97 2.120 3.140 4.050 4.770 5.990 8.030 8.740 9.610 > 95 - 97 2.120 3.140 4.050 5.300 6.520 9.080 9.790 10.660Home Possible Home Possible
> 80 0.550 0.550 0.550 0.550 0.590 0.730 0.780 0.890 > 80 0.550 0.550 0.550 1.080 1.120 1.780 1.830 1.940> 85 0.790 1.040 1.300 1.450 1.760 2.310 2.520 2.770 > 85 0.790 1.040 1.300 1.980 2.290 3.360 3.570 3.820> 90 1.450 2.120 2.680 3.090 3.900 5.120 5.630 6.240 > 90 1.450 2.120 2.680 3.620 4.430 6.170 6.680 7.290
> 95 - 97 1.610 2.370 3.030 3.490 4.410 5.880 6.500 7.210 > 95 - 97 1.610 2.370 3.030 4.020 4.940 6.930 7.550 8.260
2+ Borrowers & DTI ≤ 45%
Purchase Non-Cash-Out Refinance
LTV 760+ < 760 < 740 < 720 < 700 < 680 < 660 < 640 LTV 760+ < 760 < 740 < 720 < 700 < 680 < 660 < 640
> 80 0.520 0.520 0.520 0.520 0.550 0.690 0.740 0.850 > 80 0.520 0.520 0.520 1.050 1.080 1.740 1.790 1.900> 85 0.690 0.940 1.200 1.350 1.650 2.200 2.400 2.620 > 85 0.690 0.940 1.200 1.880 2.180 3.250 3.450 3.670> 90 1.310 1.980 2.540 2.930 3.740 4.950 5.440 5.990 > 90 1.310 1.980 2.540 3.460 4.270 6.000 6.490 7.040
> 95 - 97 1.940 2.940 3.850 4.570 5.780 7.810 8.510 9.340 > 95 - 97 1.940 2.940 3.850 5.100 6.310 8.860 9.560 10.390Home Possible Home Possible
> 80 0.520 0.520 0.520 0.520 0.550 0.690 0.740 0.850 > 80 0.520 0.520 0.520 1.050 1.080 1.740 1.790 1.900> 85 0.690 0.940 1.200 1.350 1.650 2.200 2.400 2.620 > 85 0.690 0.940 1.200 1.880 2.180 3.250 3.450 3.670> 90 1.310 1.980 2.540 2.930 3.740 4.950 5.440 5.990 > 90 1.310 1.980 2.540 3.460 4.270 6.000 6.490 7.040
> 95 - 97 1.430 2.170 2.830 3.290 4.200 5.660 6.270 6.940 > 95 - 97 1.430 2.170 2.830 3.820 4.730 6.710 7.320 7.990
1 Borrower & DTI > 45%
Purchase Non-Cash-Out Refinance
LTV 760+ < 760 < 740 < 720 < 700 < 680 < 660 < 640 LTV 760+ < 760 < 740 < 720 < 700 < 680 < 660 < 640
> 80 0.660 0.720 0.770 0.850 0.970 1.150 1.220 1.380 > 80 0.660 0.720 0.770 1.380 1.500 2.200 2.270 2.430> 85 1.070 1.430 1.800 2.070 2.510 3.200 3.530 4.020 > 85 1.070 1.430 1.800 2.600 3.040 4.250 4.580 5.070> 90 1.800 2.560 3.250 3.810 4.900 6.240 6.900 7.770 > 90 1.800 2.560 3.250 4.340 5.430 7.290 7.950 8.820
> 95 - 97 2.500 3.760 4.810 5.830 7.230 9.450 10.340 11.430 > 95 - 97 2.500 3.760 4.810 6.360 7.760 10.500 11.390 12.480Home Possible Home Possible
> 80 0.660 0.720 0.770 0.850 0.970 1.150 1.220 1.380 > 80 0.660 0.720 0.770 1.380 1.500 2.200 2.270 2.430> 85 1.070 1.430 1.800 2.070 2.510 3.200 3.530 4.020 > 85 1.070 1.430 1.800 2.600 3.040 4.250 4.580 5.070> 90 1.800 2.560 3.250 3.810 4.900 6.240 6.900 7.770 > 90 1.800 2.560 3.250 4.340 5.430 7.290 7.950 8.820
> 95 - 97 1.990 2.990 3.790 4.550 5.650 7.300 8.100 9.030 > 95 - 97 1.990 2.990 3.790 5.080 6.180 8.350 9.150 10.080
2+ Borrowers & DTI > 45%
Purchase Non-Cash-Out Refinance
LTV 760+ < 760 < 740 < 720 < 700 < 680 < 660 < 640 LTV 760+ < 760 < 740 < 720 < 700 < 680 < 660 < 640
> 80 0.630 0.690 0.740 0.820 0.930 1.110 1.180 1.340 > 80 0.630 0.690 0.740 1.350 1.460 2.160 2.230 2.390> 85 0.970 1.330 1.700 1.970 2.400 3.090 3.410 3.870 > 85 0.970 1.330 1.700 2.500 2.930 4.140 4.460 4.920> 90 1.660 2.420 3.110 3.650 4.740 6.070 6.710 7.520 > 90 1.660 2.420 3.110 4.180 5.270 7.120 7.760 8.570
> 95 - 97 2.320 3.560 4.610 5.630 7.020 9.230 10.110 11.160 > 95 - 97 2.320 3.560 4.610 6.160 7.550 10.280 11.160 12.210Home Possible Home Possible
> 80 0.630 0.690 0.740 0.820 0.930 1.110 1.180 1.340 > 80 0.630 0.690 0.740 1.350 1.460 2.160 2.230 2.390> 85 0.970 1.330 1.700 1.970 2.400 3.090 3.410 3.870 > 85 0.970 1.330 1.700 2.500 2.930 4.140 4.460 4.920> 90 1.660 2.420 3.110 3.650 4.740 6.070 6.710 7.520 > 90 1.660 2.420 3.110 4.180 5.270 7.120 7.760 8.570
> 95 - 97 1.810 2.790 3.590 4.350 5.440 7.080 7.870 8.760 > 95 - 97 1.810 2.790 3.590 4.880 5.970 8.130 8.920 9.810
Additional Adjustments All Terms760+ < 760 < 740 < 720 < 700 < 680 < 660 < 640
2nd Home 0.250 0.250 0.490 0.700 0.700 1.230 1.230 1.230 Up to 90% LTVInvestment 1.190 1.190 1.330 1.750 1.750 2.630 2.630 2.630 Up to 85% LTV
(1) 3/1 ARMs ineligible for LPMI
> 20 years Fixed & ARMs(1,2)
≤ 20 years
Lender Paid Mortgage
Insurance