Wholesale (Consumer Paid) Rate Sheet Table of Contents ... · Wholesale (Consumer Paid) Rate Sheet...

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Wholesale (Consumer Paid) Rate SheetDate: 12/27/2012 Time (PST): 9:45 AM

Table of Contents

Forward Mortgage

Government Programs Page # Conventional Programs Page #FHA/VA Non-Jumbo/VA Jumbo 30 Year Fixed 2 FNMA Conventional 8FHA / VA Non-Jumbo 15 Year Fixed 3 FNMA ARM Program 10FHA Jumbo 4 FNMA High Balance Conforming 11Mega Jumbo for Veterans 4 FNMA Fannie Mae DU Refi Plus 12FHA 203(K) Non-Jumbo & FHA 203(K) Jumbo 5 Freddie Mac LP Open Access 14FHA / VA Manufactured Housing 6 FNMA LPMI 15FHA / VA 5/1 ARM 6VA IRRRL Without Appraisal 7Rural Housing - USDA Approved 7

Reverse Mortgage

Reverse Mortgage Page # Other Page #HECM Fixed 17 State Adjusters 16HECM ARM 18

SWMC Underwriting Fee for properties located in all states except CO and NV $945 SWMC Underwriting Fee for properties located in CO and NV $750 *** Sun West does not charge any underwriting fee on HECM loans ***

SUN WEST MORTGAGE COMPANY, INC.18000 Studebaker Road, Suite 200, Cerritos, CA 90703

Call: (855) TO-LOCK-NOW (855-865-6256) Lock Desk Time - 06.00 AM - 04.00 PM PST

CLICK HERE TO SUBMIT LOCK REQUEST ONLINE

Extension Cost: 0.025% per day

https://revmort.reversesoftonline.com/ReverseMortgage/

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Wholesale (Consumer Paid) Rate Sheet


Interest Rate 15 Day 30 Day 45 Day FHA / VA 30 Year Fixed Pricing Adjustments

4.750 -6.240 -6.220 -5.970 All VA Fixed Rate Loans 0.3754.625 -6.199 -6.179 -5.929 VA Jumbo 2.0004.500 -6.124 -6.104 -5.854

1.5004.375 -6.039 -6.019 -5.7694.250 -5.779 -5.759 -5.509

0.7504.125 -6.606 -6.586 -6.3364.000 -6.442 -6.422 -6.172 FICO 640-659 0.5003.990 -6.426 -6.406 -6.156 FICO 660-679 0.2503.875 -6.226 -6.206 -5.956 FICO >= 720 (Not Applicable for FHA Streamlines) -0.1253.750 -6.176 -6.156 -5.906 FICO 680 - 699 (Applicable for FHA Streamlines) -0.2503.625 -5.217 -5.197 -4.947 FICO 700 - 719 (Applicable for FHA Streamlines) -0.5003.500 -5.761 -5.741 -5.491 FICO >= 720 (Applicable for FHA Streamlines) -0.7503.375 -4.767 -4.747 -4.497 HUD Repo with LTV > 96.5% 1.0003.250 -5.042 -5.022 -4.772 Loan Amount $75,000 - $99,999 0.2503.125 -0.942 -0.922 -0.672 Loan Amount $50,000 - $74,999 0.7503.000 -0.817 -0.797 -0.547 Loan Amount <= $49,999 2.000

2.875 -0.692 -0.672 -0.422 New Construction <= 12 months 0.3752.750 -0.567 -0.547 -0.297 Properties located in TX -0.225

-0.050

Properties located in NJ 0.250Properties located in NY 0.250Properties located in IL 0.500Property Flip Waiver 0.750

Additional Express Program Adjustments Property Flip Waiver LLC Seller Exception 0.500Express Program 0.625 Short Pay-Off (FHA Refi Only) 2.0002-4 Units 0.250 FHA Streamline Refinance 0.500Non-occupying co-borrower 0.250 Properties located in HI 0.250FICO 630-639 1.500 VA Escrow Waiver & LTV <= 80% 0.250FICO 620-629 (Streamline Only) 1.500FICO 600-619 (Streamline Only) 2.750FICO 580-599 (Streamline Only) 4.000

FHA - SO11S01F00, VA - SO15S00O00, PROPERTY FLIP WAIVER - SO11O00F00, VA Jumbo - SO32S00F00 30 Year Fixed, Express FHA - XP11S01F00, Express FHA Property Flip Waiver - XP11O00F00

FICO 620-629 and Back Ratio <= 43% (Not Applicable to Express Products)

FICO 630-639 and Back Ratio <= 43% (Not Applicable to Express Products)

Properties located in AL, AK, CO, DE, DC, ID, IN, IA, ME, MD, MA, MT, NM, TN, UT, WA, WV, FL

VA IRRRL with Appraisal are priced with Standard VA pricing

Reduced U/W Fees on FHA StreamlinesFICO greater than or equal to 700: None

FICO less than 700: $400




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FHA - SO11S01F00, VA - SO15S00O00 Non-Jumbo 15 Year Fixed, Express FHA Fixed - XP11S01F00

Interest Rate 15 Day 30 Day 45 Day FHA / VA Non-Jumbo 15 Year Fixed Pricing Adjustments

3.625 -4.436 -4.416 -4.166 All VA Fixed Rate Loans 0.3753.500 -4.561 -4.541 -4.291 New Construction <= 12 months 0.3753.375 -4.436 -4.416 -4.166 Loan Amount $75,000 - $99,999 0.2503.250 -4.311 -4.291 -4.041 Loan Amount $50,000 - $74,999 0.7503.125 -3.779 -3.759 -3.509 Loan Amount <= $49,999 2.0003.000 -3.904 -3.884 -3.634 HUD Repo with LTV > 96.5% 1.0002.875 -3.779 -3.759 -3.509 FHA & VA FICO 640-679 0.3752.750 -3.654 -3.634 -3.384 Short Pay-Off (FHA Refi Only) 2.000

Properties located in NJ 0.250Properties located in NY 0.250

Properties located in IL 0.500

Additional Express Program Adjustments FHA Manufactured Housing 3.000Express Program 0.625 FHA Streamline Refinance 0.5002-4 Units 0.250 Properties located in HI 0.250Non-occupying co-borrower 0.250 FICO 680 - 699 (Applicable for FHA Streamlines) -0.250FICO 630-639 0.750 FICO 700 - 719 (Applicable for FHA Streamlines) -0.500FICO 620-629 (Streamline Only) 1.500 FICO >= 720 (Applicable for FHA Streamlines) -0.750FICO 600-619 (Streamline Only) 2.750 VA Escrow Waiver & LTV <= 80% 0.250FICO 580-599 (Streamline Only) 4.000

Reduced U/W Fees on FHA Streamlines FICO greater than or equal to 700: None FICO less than 700: $400




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FHA Jumbo - SO41S00F00

FHA Jumbo 30 Year Fixed FHA Jumbo Pricing AdjustmentsInterest Rate 15 Day 30 Day 45 Day New Construction <= 12 months 0.375

4.250 -3.519 -3.499 -3.249 HUD Repo with LTV > 96.5% 1.0004.125 -5.284 -5.264 -5.014 Short Pay-Off (FHA Refi Only) 2.0004.000 -5.509 -5.489 -5.239 Properties located in NJ 0.2503.875 -4.904 -4.884 -4.634 Properties located in NY 0.2503.750 -4.854 -4.834 -4.584 Properties located in IL 0.5003.625 -2.949 -2.929 -2.679 FHA Streamline Refinance 0.5003.500 -2.949 -2.929 -2.679 Properties located in HI 0.2503.375 -2.699 -2.679 -2.429 FICO 680 - 699 (Applicable for FHA Streamlines) -0.2503.250 -2.574 -2.554 -2.304 FICO 700 - 719 (Applicable for FHA Streamlines) -0.500

FICO >= 720 (Applicable for FHA Streamlines) -0.750

ARM Information

FHA Jumbo - 5/1 T-Bill ARM Margin 2.250Interest Rate 15 Day 30 Day 45 Day Caps 1/1/5

3.500 -3.532 -3.385 -3.240 Index Rate 0.1503.375 -3.253 -3.106 -2.9613.250 -2.974 -2.827 -2.6823.125 -3.217 -3.070 -2.9253.000 -2.939 -2.792 -2.6472.875 -2.662 -2.515 -2.3702.750 -2.384 -2.237 -2.0922.625 -0.660 -0.513 -0.3682.500 -0.383 -0.236 -0.0912.375 -0.106 0.041 0.1862.250 0.171 0.318 0.463

Mega Jumbo for Veterans - SO32O00O00

Mega Jumbo for Veterans 30 Year Fixed Mega Jumbo for Veterans Pricing AdjustmentsInterest Rate 15 Day 30 Day 45 Day New Construction <= 12 months 0.375

4.125 -2.292 -2.272 -2.022 Properties located in NJ 0.2504.000 -1.292 -1.272 -1.022 Properties located in NY 0.2503.875 -0.292 -0.272 -0.022 Properties located in IL 0.5003.750 0.708 0.728 0.978 Properties located in HI 0.250

Mega Jumbo for Veterans - 5/1 T-Bill ARM Interest Rate 15 Day 30 Day 45 Day

3.500 -1.620 -1.600 -1.3503.375 -0.370 -0.350 -0.1003.250 -0.120 -0.100 0.1503.125 -0.745 -0.725 -0.4753.000 -0.495 -0.475 -0.2252.875 -0.245 -0.225 0.0252.750 0.005 0.025 0.275

ARM InformationMargin 2.250Caps 1/1/5Index Rate 0.150


FICO less than 700: $400 Please refer to State Adjusters page for state specific adjustments.




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FHA 203(K) Non-Jumbo - AA11S00O00, Express FHA 203(K) - XP11S00O00 & FHA 203(K) Jumbo - SM32S00F00

FHA 203(K) Non-Jumbo FHA 203(K) Jumbo

Interest Rate 15 Day 30 Day 45 Day Interest Rate 15 Day 30 Day 45 Day5.000 -5.270 -5.250 -5.000 5.000 -2.370 -2.350 -2.1004.750 -4.895 -4.875 -4.625 4.750 -1.995 -1.975 -1.7254.500 -5.489 -5.469 -5.219 4.500 -2.589 -2.569 -2.3194.250 -4.989 -4.969 -4.719 4.250 -2.089 -2.069 -1.8194.000 -5.567 -5.547 -5.297 4.000 -2.667 -2.647 -2.3973.750 -5.067 -5.047 -4.797 3.750 -2.167 -2.147 -1.8973.500 -3.442 -3.422 -3.172 3.500 -0.417 -0.397 -0.1473.250 -2.942 -2.922 -2.672 3.250 0.083 0.103 0.353

FHA 203(K) Non-Jumbo Additional Express Price AdjustmentsFICO 620-639 and Back Ratio <= 43% 1.500 Express Program 0.625FICO 640-659 0.500 2-4 Units 0.250FICO 660-679 0.250 Non-occupying co-borrower 0.250FICO 700+ -0.125 FICO 630-639 0.750HUD Repo with LTV > 96.5% 1.000Loan Amount $75,000 - $99,999 0.250Loan Amount $50,000 - $74,999 0.750Loan Amount $30,000 - $49,999 2.000Manufactured Housing 0.750Properties located in NJ 0.250Properties located in NY 0.250Properties located in IL 0.500Properties located in HI 0.250

FHA 203(K) Non-Jumbo and FHA 203(K) Jumbo PricingAdjustments






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Interest Rate 15 Day 30 Day 45 Day FHA / VA Manufactured Housing Pricing Adjustments5.000 -3.745 -3.725 -3.475 FICO 640-659 0.5004.750 -3.245 -3.225 -2.975 FICO 660-679 0.2504.500 -3.339 -3.319 -3.069 FICO 700+ (Not Applicable for FHA Streamlines) -0.1254.250 -2.839 -2.819 -2.569 Loan Amount $75,000 - $99,999 0.2504.000 -3.042 -3.022 -2.772 Loan Amount $50,000 - $74,999 0.7503.750 -2.417 -2.397 -2.147 Loan Amount $30,000 - $49,999 2.0003.500 -0.917 -0.897 -0.647 Short Pay-Off (FHA Refi Only) 2.0003.250 -0.292 -0.272 -0.022 Properties located in NJ 0.250

Properties located in NY 0.250Properties located in IL 0.500FHA Streamline Refinance 0.500Properties located in HI 0.250FICO 680 - 699 (Applicable for FHA Streamlines) -0.250FICO 700 - 719 (Applicable for FHA Streamlines) -0.500FICO >= 720 (Applicable for FHA Streamlines) -0.750Property Flip Waiver 0.500VA Manufactured Housing 0.250

Additional Express Program AdjustmentsExpress Program 0.625FICO 630-639 0.750FICO 620-629 (Streamline Only) 1.500FICO 600-619 (Streamline Only) 2.750FICO 580-599 (Streamline Only) 4.000

FHA - SM11S00F00 - 5/1 ARM, VA - SO15S00O00 - 5/1 ARM, Express FHA 5/1 ARM - XP11S00F00

FHA / VA 5/1 ARM - 2.25% Margin Additional Express Program Adjustments

Interest Rate 15 Day 30 Day 45 Day Express Program 0.6253.250 -4.099 -3.952 -3.807 2-4 Units 0.2503.125 -4.092 -3.945 -3.800 Non-occupying co-borrower 0.2503.000 -3.814 -3.667 -3.522 FICO 630-639 0.7502.875 -3.537 -3.390 -3.245 FICO 620-629 (Streamline Only) 1.5002.750 -3.259 -3.112 -2.967 FICO 600-619 (Streamline Only) 2.7502.625 -1.785 -1.638 -1.493 FICO 580-599 (Streamline Only) 4.0002.500 -1.508 -1.361 -1.2162.375 -1.231 -1.084 -0.9392.250 -0.954 -0.807 -0.662

Margin 2.250 FHA / VA - 5/1 ARM Pricing Adjustments

Caps 1/1/5 FICO >= 720 (Not Applicable for FHA Streamlines) -0.125Index Rate 0.150 FICO 640-679 0.375

FICO 620-639 and Back Ratio <= 43% 1.500Loan Amount $75,000 - $99,999 0.250Loan Amount $50,000 - $74,999 0.750Loan Amount <= $49,999 2.000New Construction <= 12 months 0.375HUD Repo with LTV > 96.5% 1.000Short Pay-Off (FHA Refi Only) 2.000Properties located in NJ 0.250Properties located in NY 0.250Properties located in IL 0.500VA Loan 0.500FHA Streamline Refinance 0.500Properties located in HI 0.250FICO 680 - 699 (Applicable for FHA Streamlines) -0.250FICO 700 - 719 (Applicable for FHA Streamlines) -0.500FICO >= 720 (Applicable for FHA Streamlines) -0.750FHA/VA 5/1 T-Bill ARM - 2.00% Margin 0.375FHA/VA 5/1 T-Bill ARM - 1.75% Margin 0.750VA Escrow Waiver & LTV <= 80% 0.250

FHA Manufactured Housing - AA12S01F00, VA Manufactured Hsg. - AA15S01F00, Property Flip Waiver - SO11O00F00, Express FHA Manufactured Housing - XP12S01F00, Express FHA Property Flip Waiver - XP11O00F00



Please refer to State Adjusters page for state specific adjustments.




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VA IRRRL WITHOUT APPRAISAL - AA15S00F00

VA IRRRL WITHOUT APPRAISAL - 30 Year Fixed VA IRRRL Pricing Adjustments

Interest Rate 15 Day 30 Day 45 Day Loan Amount $75,000 - $99,999 0.2504.375 -4.339 -4.319 -4.069 Loan Amount $50,000 - $74,999 0.7504.250 -4.214 -4.194 -3.944 Loan Amount $30,000 - $49,999 2.0004.125 -4.292 -4.272 -4.022 LTV 105.01 - 125.00 3.0004.000 -4.417 -4.397 -4.147 Properties located in IL 0.5003.875 -4.292 -4.272 -4.022 Properties located in HI 0.2503.750 -4.167 -4.147 -3.897 Manufactured Housing 2.0003.625 -2.167 -2.147 -1.8973.500 -2.292 -2.272 -2.022 ARM Information3.375 -2.167 -2.147 -1.897 Margin 2.2503.250 -2.042 -2.022 -1.772 Caps 1/1/5

Index Rate 0.150

VA IRRRL WITHOUT APPRAISAL - 5/1 ARMInterest Rate 15 Day 30 Day 45 Day

3.625 -1.687 -1.540 -1.3953.500 -1.407 -1.260 -1.1153.375 -1.128 -0.981 -0.8363.250 -0.849 -0.702 -0.5573.125 -1.092 -0.945 -0.8003.000 -0.814 -0.667 -0.5222.875 -0.537 -0.390 -0.2452.750 -0.259 -0.112 0.0332.625 1.465 1.612 1.7572.500 1.742 1.889 2.0342.375 2.019 2.166 2.3112.250 2.296 2.443 2.588

Rural Housing - GUS Approved - SD61S00F00, Express Rural Housing - GUS Approved - XP61S00F00

Rural Housing - 30 Year Fixed Rural Housing Pricing AdjustmentsInterest Rate 15 Day 30 Day 45 Day Properties located in NY, PA, TX -0.200

3.750 -5.551 -5.531 -5.281-0.100

3.625 -4.592 -4.572 -4.3223.500 -5.136 -5.116 -4.866

0.0003.375 -4.142 -4.122 -3.8723.250 -4.417 -4.397 -4.147 Properties located in CA, CO, DE, MD, MT, NM, VA, WY 0.400

Properties located in AZ, ID, NJ, NV, UT, WA 0.500Properties located in NJ 0.250Properties located in NY 0.250Properties located in IL 0.500Loan Amount: >= $100,000.00 -0.250Loan Amount: $75,000.00 - $99,999.99 0.000Loan Amout : $62,500.01 - $74,999.99 0.375Loan Amount: <= $62,500.00 2.000FICO 640 - 679 0.250Express Program 0.625Properties located in HI 0.250

Properties located in AR, GA, IN, KS, MI, MN, OK, SC, VT, WI

Properties located in AK, AL, CT, FL, IA, KY, LA, ME, MS, ND, NE, NH, OH, OR, SD, TN, WV




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FNMA Conventional Fixed - SO22S00F00, Conventional Flip - SO22O00F00

FNMA Conventional - 40 Year Fixed FNMA Conventional - 30 Year FixedInterest Rate 15 Day 30 Day 45 Day Interest Rate 15 Day 30 Day 45 Day

4.375 -0.779 -0.651 -0.519 4.625 -6.316 -6.206 -6.0914.250 -0.779 -0.651 -0.519 4.500 -6.166 -6.056 -5.9414.125 -0.779 -0.651 -0.519 4.490 -6.066 -5.956 -5.8414.000 -0.779 -0.651 -0.519 4.375 -6.016 -5.906 -5.7913.990 -0.579 -0.451 -0.319 4.250 -5.866 -5.756 -5.6413.875 -0.374 -0.242 -0.106 4.125 -5.576 -5.453 -5.3273.750 -0.001 0.135 0.275 4.000 -5.131 -5.004 -4.8733.625 0.671 0.804 0.945 3.990 -4.818 -4.687 -4.5523.500 1.517 1.645 1.785 3.875 -4.718 -4.587 -4.4523.375 2.364 2.485 2.625 3.750 -4.338 -4.203 -4.0643.250 3.211 3.326 3.465 3.625 -3.814 -3.679 -3.5383.125 4.317 4.438 4.583 3.500 -3.170 -3.041 -2.9013.000 5.569 5.702 5.858 3.375 -2.277 -2.154 -2.0142.875 6.821 6.966 7.132 3.250 -1.658 -1.541 -1.403

3.125 -0.578 -0.460 -0.3173.000 0.596 0.726 0.8802.875 1.770 1.912 2.076

FNMA Conventional - 20 Year FixedInterest Rate 15 Day 30 Day 45 Day

3.990 -4.323 -4.198 -4.0683.875 -4.100 -3.971 -3.8373.750 -3.710 -3.576 -3.4383.625 -3.323 -3.186 -3.0453.500 -2.640 -2.510 -2.3693.375 -1.958 -1.833 -1.6933.250 -1.275 -1.156 -1.0173.125 -0.546 -0.432 -0.2923.000 0.722 0.848 0.998

FNMA Conventional - 15 Year Fixed FNMA Conventional - 10 Year Fixed

Interest Rate 15 Day 30 Day 45 Day Interest Rate 15 Day 30 Day 45 Day

3.500 -4.534 -4.455 -4.375 3.375 -3.301 -3.215 -3.1273.375 -4.286 -4.199 -4.109 3.250 -3.054 -2.959 -2.8613.250 -4.039 -3.943 -3.844 3.125 -2.807 -2.704 -2.5963.125 -3.792 -3.688 -3.578 3.000 -2.474 -2.362 -2.2453.000 -3.369 -3.255 -3.137 2.875 -1.920 -1.798 -1.6742.875 -2.722 -2.598 -2.472 2.750 -1.367 -1.235 -1.1032.750 -2.075 -1.941 -1.808 2.625 -0.814 -0.671 -0.5322.625 -1.428 -1.283 -1.143 2.500 -0.119 0.037 0.1852.500 -0.641 -0.481 -0.332 2.375 0.940 1.118 1.2752.375 0.325 0.505 0.665




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FNMA Conventional Price Adjustments

LTV = <=60 60.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95

FICO >= 740 -0.250 0.000 0.000 0.250 0.250 0.250 0.250

FICO 720-739 -0.250 0.000 0.250 0.500 0.500 0.500 0.500

FICO 700-719 -0.250 0.500 0.750 1.000 1.000 1.000 1.000

FICO 680-699 0.000 0.500 1.250 1.750 1.500 1.250 1.250

FICO 660-679 0.000 1.000 2.000 2.500 2.750 2.250 2.250

FICO 640-659 0.500 1.250 2.500 3.000 3.250 2.750 2.750

FICO 620-639 0.500 1.500 3.000 3.000 3.250 3.250 3.250

LTV = <=60 60.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95

FICO >= 740 0.000 0.250 0.250 0.500 0.625 Not Permitted Not Permitted

FICO 720-739 0.000 0.625 0.625 0.750 1.500 Not Permitted Not Permitted




FICO 640-659 0.250 1.250 1.250 2.250 Not Permitted Not Permitted Not Permitted

FICO 620-639 0.250 1.250 1.250 2.750 Not Permitted Not Permitted Not Permitted

LTV = <=60 60.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95

2 Unit Properties 1.000 1.000 1.000 1.000 Not Permitted Not Permitted Not Permitted3-4 Unit Properties 1.000 1.000 1.000 Not Permitted Not Permitted Not Permitted Not PermittedInvestment Property 1.750 1.750 1.750 Not Permitted Not Permitted Not Permitted Not PermittedCondo with Term > 15 Years 0.000 0.000 0.000 0.750 0.750 0.750 0.750

CA Escrow Waiver < 90% 0.150 0.150 0.150 0.150 0.150 0.150 Not PermittedNon CA Escrow Waiver 0.250 0.250 0.250 0.250 Not Permitted Not Permitted Not PermittedProperties located in IL 0.500 0.500 0.500 0.500 0.500 0.500 0.500

Properties located in HI 0.250 0.250 0.250 0.250 0.250 0.250 0.250

0.500 0.500 0.500 0.500 0.500 0.500 0.500

LTV CLTV FICO < 720 FICO >= 720<= 65.00% 80.01% – 95.00% 0.500 0.250

65.01% - 75.00% 80.01% – 95.00% 0.750 0.500

75.01% - 95.00% 90.01% – 95.00% 1.000 0.750

75.01% - 90.00% 76.01% – 90.00% 1.000 0.750

Price Adjustments

Loan term > 15 years

Cash Out Refinance

adjustments

Borrower with more than 4 Financed Properties (Including Subject Property)

FNMA Conventional Pricing Adjustments - Subordinate

Financing




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FNMA ARM Program - SM21S00A00

FNMA 5/1 Libor ARM FNMA 7/1 Libor ARM

Interest Rate 15 Day 30 Day Interest Rate 15 Day 30 Day3.250 -1.017 -0.846 3.250 -0.881 -0.6783.125 -0.864 -0.692 3.125 -0.620 -0.4173.000 -0.613 -0.441 3.000 -0.301 -0.0982.875 -0.362 -0.190 2.875 0.018 0.2212.750 0.036 0.208 2.750 0.491 0.694

Margin 2.250 Margin 2.250Caps 5/2/5 Caps 5/2/5Index 0.843 Index 0.843

FNMA ARM Pricing Adjustments

LTV = <=60 60.01-70 70.01-75 75.01-80FICO >= 740 -0.250 0.000 0.000 0.250FICO 720-739 -0.250 0.000 0.250 0.500FICO 700-719 -0.250 0.500 0.750 1.000FICO 680-699 0.000 0.500 1.250 1.750FICO 660-679 0.000 1.000 2.000 2.500

LTV = <=60 60.01-70 70.01-75 75.01-80

FICO >= 740 0.000 0.250 Not Permitted Not Permitted

FICO 720-739 0.000 0.625 Not Permitted Not PermittedFICO 700-719 0.000 0.625 Not Permitted Not PermittedFICO 680-699 0.000 0.750 Not Permitted Not Permitted

LTV = <=60 60.01-70 70.01-75 75.01-80

2 Unit Properties 1.000 1.000 1.000 1.000

Condo 0.000 0.000 0.000 0.750

CA Escrow Waiver 0.150 0.150 0.150 0.150

Non CA Escrow Waiver 0.250 0.250 0.250 0.250

Properties located in IL 0.500 0.500 0.500 0.500

Properties located in HI 0.250 0.250 0.250 0.250

0.500 0.500 0.500 0.500

FNMA 30 Year ARM Price

Adjustments

Cash Out Refinance

adjustments





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FNMA High Balance Conforming - SO33S00F00

FNMA HB Conforming - 30 Year Fixed FNMA HB Conforming - 5/1 ARMInterest Rate 15 Day 30 Day 45 Day Interest Rate 15 Day 30 Day 45 Day

4.000 -2.023 -1.896 -1.765 3.250 0.812 0.913 1.0143.990 -1.823 -1.696 -1.565 3.125 1.068 1.169 1.2703.875 -1.806 -1.675 -1.540 3.000 1.342 1.442 1.5433.750 -1.621 -1.486 -1.347 2.875 1.615 1.715 1.8173.625 -1.214 -1.079 -0.938 2.750 1.888 1.989 2.0903.500 -0.445 -0.316 -0.176 2.625 2.220 2.321 2.4223.375 0.323 0.446 0.586 2.500 2.580 2.680 2.7823.250 1.092 1.209 1.348 2.375 2.939 3.040 3.1413.125 2.085 2.203 2.346 2.250 3.298 3.399 3.5003.000 3.415 3.545 3.699 2.125 3.700 3.801 3.9022.875 4.745 4.887 5.051 Margin 2.2502.750 6.075 6.229 6.404 Caps 5/2/5

Index 0.843

FNMA HB Conforming - 7/1 ARMInterest Rate 15 Day 30 Day 45 Day

3.500 0.375 0.442 0.5103.375 0.641 0.708 0.7753.250 0.906 0.973 1.0413.125 1.213 1.280 1.3473.000 1.556 1.623 1.6912.875 1.900 1.967 2.0352.750 2.244 2.311 2.3792.625 2.641 2.708 2.7752.500 3.086 3.153 3.2202.375 3.531 3.598 3.666

Margin 2.250Caps 5/2/5Index 0.843

FNMA High Balance Conforming Pricing Adjustments

LTV = <=60 60.01-70 70.01-75 75.01-80FICO >= 740 -0.250 0.000 0.000 0.250

FICO 720-739 -0.250 0.000 0.250 0.500

FICO 700-719 -0.250 0.500 0.750 1.000

LTV = <=60 60.01-70 70.01-75 75.01-802 Unit Properties 1.000 1.000 1.000 1.000

Condo 0.000 0.000 0.000 0.750

CA Escrow Waiver 0.150 0.150 0.150 0.150

Non CA Escrow Waiver 0.250 0.250 0.250 0.250

ARM Loans 0.750 0.750 0.750 Not Permitted

Cash Out Refinance 1.000 Not Permitted Not Permitted Not Permitted

Properties located in IL 0.500 0.500 0.500 0.500

Properties located in HI 0.250 0.250 0.250 0.250

0.500 0.500 0.500 0.500

FNMA 30 Year High Balance Price Adjustments





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Fannie Mae DU Refi Plus - SO22600F00

Fannie Mae DU Refi Plus - 30 Year Fixed (LTV <= 105) Fannie Mae DU Refi Plus - 30 Year Fixed (LTV 105.01 - 125.00)Interest Rate 15 Day 30 Day 45 Day Interest Rate 15 Day 30 Day 45 Day

4.625 -6.252 -6.197 -6.133 4.125 -5.717 -5.594 -5.4674.500 -6.074 -6.000 -5.919 4.000 -4.842 -4.715 -4.5844.375 -5.895 -5.803 -5.705 3.875 -3.999 -3.868 -3.7334.250 -5.716 -5.606 -5.491 3.750 -3.189 -3.054 -2.9154.125 -5.426 -5.303 -5.176 3.625 -2.298 -2.163 -2.0224.000 -4.981 -4.854 -4.723 3.500 -1.256 -1.127 -0.9873.875 -4.568 -4.437 -4.302 3.375 -0.214 -0.091 0.0483.750 -4.188 -4.053 -3.914 3.250 0.828 0.945 1.0843.625 -3.664 -3.529 -3.388 3.125 2.016 2.134 2.2773.500 -2.895 -2.766 -2.6263.375 -2.127 -2.004 -1.8643.250 -1.358 -1.241 -1.1033.125 -0.427 -0.310 -0.1673.000 0.746 0.876 1.0302.875 1.920 2.062 2.2262.750 3.094 3.248 3.4232.625 4.541 4.701 4.882

Fannie Mae DU Refi Plus - 30 Year Fixed (LTV => 125.01) Fannie Mae DU Refi Plus - 20 Year Fixed

Interest Rate 15 Day 30 Day 45 Day Interest Rate 15 Day 30 Day 45 Day4.250 -5.907 -5.797 -5.682 4.125 -4.226 -4.103 -3.9764.125 -5.367 -5.244 -5.117 4.000 -3.781 -3.654 -3.5234.000 -4.554 -4.427 -4.297 3.875 -3.368 -3.237 -3.1023.875 -3.774 -3.643 -3.508 3.750 -2.988 -2.853 -2.7143.750 -3.027 -2.892 -2.753 3.625 -2.464 -2.329 -2.1883.625 -2.155 -2.020 -1.878 3.500 -1.695 -1.566 -1.4263.500 -1.066 -0.937 -0.796 3.375 -0.927 -0.804 -0.6643.375 0.023 0.146 0.286 3.250 -0.158 -0.041 0.0983.250 1.112 1.229 1.368 3.125 0.773 0.891 1.0333.125 2.360 2.478 2.6213.000 3.846 3.976 4.1302.875 5.333 5.475 5.6392.750 6.819 6.973 7.148

Fannie Mae DU Refi Plus - 15 Year FixedInterest Rate 15 Day 30 Day 45 Day

3.500 -3.834 -3.755 -3.6753.375 -3.586 -3.499 -3.4093.250 -3.339 -3.243 -3.1443.125 -3.092 -2.988 -2.8783.000 -2.669 -2.555 -2.4372.875 -2.022 -1.898 -1.7722.750 -1.375 -1.241 -1.1082.625 -0.728 -0.583 -0.4432.500 0.059 0.219 0.368




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FNMA Fannie Mae DU Refi Plus Pricing Adjustments

LTVPrice Adjustments for term > 15 Years Occupany Adjustments

FICO >= 740 FICO 720-739FICO 700-719FICO 680-699 FICO 660-679 Investment<=60 % -0.250 -0.250 -0.250 0.000 0.000 3.25060.01 – 70.00% 0.000 0.000 0.500 0.500 1.000 3.25070.01 – 75.00% 0.000 0.000 0.500 0.750 1.500 3.25075.01 – 80.00% 0.000 0.000 0.500 0.750 1.750 4.50080.01 – 85.00% 0.000 0.000 0.500 0.750 1.750 5.25085.01 – 90.00% 0.000 0.000 0.500 0.750 1.750 5.25090.01 – 95.00% 0.000 0.000 0.500 0.750 1.750 5.25095.01 – 97.00% 0.000 0.000 0.500 0.500 1.250 5.25097.01 – 105.00% 0.000 0.000 0.500 0.500 1.250 5.250>105% 0.000 0.000 0.500 0.500 1.250 5.250

Other Price AdjustmentsLTV 2 Unit Property

<=60 % 0.250 0.000 1.000 0.15 0.25 0.000 0.500 0.00060.01 – 70.00% 0.250 0.000 1.000 0.15 0.25 0.000 0.500 0.00070.01 – 75.00% 0.250 0.000 1.000 0.15 0.25 0.000 0.500 0.00075.01 – 80.00% 0.250 0.750 1.000 0.15 0.25 0.000 0.500 0.00080.01 – 85.00% 0.250 0.750 1.000 0.15 Not Permitted 0.000 0.500 0.00085.01 – 90.00% 0.250 0.750 1.000 0.15 Not Permitted 0.000 0.500 0.00090.01 – 95.00% 0.250 0.750 1.000 Not Permitted Not Permitted 0.000 0.500 0.00095.01 – 97.00% 0.250 0.750 1.000 Not Permitted Not Permitted 0.500 0.500 0.50097.01 – 105.00% 0.250 0.750 1.000 Not Permitted Not Permitted 1.000 0.500 1.000>105% 0.250 0.750 1.000 Not Permitted Not Permitted 0.500 0.500 1.000

0.500Term (Years) LTV <= 80% LTV > 80%

< = 20 2.000 0.000> 20 2.000 0.750 Subordinate Financing Adjustments

LTV CLTV FICO < 720 FICO >= 720

65.01% – 75.00% 90.01% – 95.00% 0.500 0.250

Term (Years) LTV <= 105% LTV > 105% 75.01% – 95.00% 90.01% – 95.00% 0.500 0.250< = 25 2.000 1.500 75.01% – 90.00% 76.01% – 90.00% 0.250 0.000> 25 2.000 2.000 Any >95.00% 1.500 1.500

Properties located in HI

Attached Condo - Term > 15 Yrs

CA Escrow Waiver

Non CA Escrow Waiver

High LTV with Term > 15 and <= 25

Years

Properties located in IL

High LTV Term = 30 Years

Fannie Mae DU Refi Plus - Adjustment Caps for Owner Occupied Borrower with more than 4 Financed Properties

(Including Subject Property)

Fannie Mae DU Refi Plus - Adjustment Caps for Non Owner Occupied




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Freddie Mac LP Open Access - SO23S00F00

Freddie Mac LP Open Access - 30 Year Fixed Freddie Mac LP Open Access - 20 Year FixedInterest Rate 15 Day 30 Day 45 Day Interest Rate 15 Day 30 Day 45 Day

4.375 -3.698 -3.570 -3.482 4.375 -3.854 -3.727 -3.6374.250 -3.002 -2.874 -2.790 4.250 -3.239 -3.112 -3.0254.125 -2.275 -2.148 -2.068 4.125 -2.596 -2.469 -2.3854.000 -2.518 -2.410 -2.266 4.000 -2.614 -2.506 -2.3623.875 -1.855 -1.747 -1.609 3.875 -2.080 -1.972 -1.8323.750 -1.099 -0.991 -0.862 3.750 -1.407 -1.299 -1.1653.625 -0.302 -0.194 -0.074 3.625 -0.697 -0.589 -0.4623.500 0.601 0.709 0.817 3.500 0.093 0.201 0.3203.375 1.654 1.743 1.898 3.375 1.483 1.571 1.729

Freddie Mac LP Open Access - 15 Year Fixed Adjusters CapInterest Rate 15 Day 30 Day 45 Day LTV <=80 2.000

3.875 -2.987 -2.879 -2.876 Loan Term <=20 years and LTV > 80 0.0003.750 -2.464 -2.356 -2.357 Loan Term > 20 years and LTV > 80 0.7503.625 -1.846 -1.738 -1.7413.500 -2.715 -2.626 -2.5393.375 -2.311 -2.222 -2.1383.250 -1.781 -1.693 -1.6113.125 -1.143 -1.054 -0.9773.000 -0.450 -0.361 -0.2902.875 0.664 0.734 0.838

Freddie Mac LP Open Access Price Adjustment

Parameter LTV<=60% 60.01 - 70.00 70.01 - 75.00 75.01 - 80.00 80.01 - 85.00 > 85.00

FICO >= 740 -0.250 0.000 0.000 0.250 0.000 0.000FICO 720 - 739 -0.250 0.000 0.250 0.500 0.000 0.000FICO 700 - 719 -0.250 0.500 0.750 1.000 0.500 0.500FICO 680 - 699 0.000 0.500 1.250 1.750 1.000 0.750FICO 660 - 679 0.000 1.000 2.250 2.750 2.250 1.7502 Units 1.000 1.000 1.000 1.000 1.000 1.000California Condos 1.000 1.000 1.000 1.000 1.000 1.000Condos N/A N/A N/A 0.750 0.750 0.750Properties located in NJ 0.250 0.250 0.250 0.250 0.250 0.250Properties located in NY 0.250 0.250 0.250 0.250 0.250 0.250Properties located in IL 0.500 0.500 0.500 0.500 0.500 0.500Properties located in HI 0.250 0.250 0.250 0.250 0.250 0.250

0.500 0.500 0.500 0.500 0.500 0.500

Parameter LTV 95.01 - 97.00 97.01 - 105.00High LTV 0.500 1.000





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FNMA LPMI – SO50S00F00

FNMA LPMI - 30 Year Fixed FNMA LPMI Pricing AdjustmentsInterest Rate 15 Day 30 Day 45 Day Loan amount < $50,000 0.375

4.625 -4.341 -4.231 -4.116 Loan amount $50,000 - $99,999 0.1504.500 -4.191 -4.081 -3.966 Loan amount $100,000 - $149,999 0.0504.490 -4.091 -3.981 -3.866 No Escrow 0.2504.375 -4.041 -3.931 -3.816 New Construction <= 12 months 0.3754.250 -3.891 -3.781 -3.666 Properties located in NJ 0.2504.125 -3.601 -3.478 -3.351 Properties located in NY 0.2504.000 -3.156 -3.029 -2.898 Properties located in IL 0.5003.990 -2.843 -2.712 -2.577 Properties located in HI 0.2503.875 -2.743 -2.612 -2.477

0.5003.750 -2.363 -2.228 -2.0893.625 -1.839 -1.704 -1.5633.500 -1.070 -0.941 -0.801 Loan amount > $417,000 1.6503.375 -0.302 -0.179 -0.0393.250 0.467 0.584 0.7233.125 1.398 1.516 1.658 FNMA LPMI Pricing Adjustments 3.000 2.571 2.701 2.855 LTV FICO >= 740 FICO 720-739 FICO 700-719 FICO 680-6992.875 3.745 3.887 4.051 80.01-85 0.250 0.625 1.125 1.625

85.01-90 0.250 0.625 1.125 1.37590.01-95 0.250 0.625 1.125 1.375

FNMA LPMI Pricing Adjustments based on coverageLTV Coverage FICO >=740 FICO 720 - 739 FICO 680 - 719

90.01-95.00 30.00% 2.400 2.600 3.54085.01 - 90.00 25.00% 1.620 1.970 2.42080.01 - 85.00 12.00% 1.240 1.370 1.580

FNMA LPMIl Pricing AdjustmentsParameters FICO >=740 FICO 720 - 739 FICO 680 - 719

Limited Cash Out Refinance 0.250 0.250 0.780





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STATE ADJUSTERS

Negative values are an Improvement on Base Pricing

States

Programs

States

AK - Alaska -0.2600 -0.2600 AK - AlaskaAL - Alabama -0.1800 -0.1800 AL - AlabamaAR - Arkansas -0.1700 -0.1700 AR - ArkansasAZ - Arizona -0.1300 -0.1300 AZ - ArizonaCA - California 0.0000 0.0000 CA - CaliforniaCO - Colorado -0.1300 -0.1300 CO - ColoradoCT - Connecticut -0.1700 -0.1700 CT - ConnecticutDC - District of Columbia -0.1900 -0.1900 DC - District of ColumbiaDE - Delaware -0.1900 -0.1900 DE - DelawareFL - Florida -0.1100 -0.1100 FL - FloridaGA - Georgia -0.1600 -0.1600 GA - GeorgiaHI - Hawaii -0.1200 -0.1200 HI - HawaiiIA - Iowa -0.2000 -0.2000 IA - IowaID - Idaho -0.1500 -0.1500 ID - IdahoIL - Illinois -0.1700 -0.1700 IL - IllinoisIN - Indiana -0.1400 -0.1400 IN - IndianaKS - Kansas -0.2100 -0.2100 KS - KansasKY - Kentucky -0.2300 -0.2300 KY - KentuckyLA - Louisiana -0.2200 -0.2200 LA - LouisianaMD - Maryland -0.0600 -0.0600 MD - MarylandME - Maine -0.1600 -0.1600 ME - MaineMI - Michigan -0.0400 -0.0400 MI - MichiganMN - Minnesota -0.1600 -0.1600 MN - MinnesotaMO - Missouri -0.2200 -0.2200 MO - MissouriMS - Mississippi -0.2200 -0.2200 MS - MississippiMT - Montana -0.1700 -0.1700 MT - MontanaND - North Dakota -0.2700 -0.2700 ND - North DakotaNE - Nebraska -0.2300 -0.2300 NE - NebraskaNH - New Hampshire -0.1700 -0.1700 NH - New HampshireNJ - New Jersey -0.1900 -0.1900 NJ - New JerseyNM - New Mexico -0.1500 -0.1500 NM - New MexicoNV - Nevada -0.0200 -0.0200 NV - NevadaNY - New York -0.1800 -0.1800 NY - New YorkOH - Ohio -0.1000 -0.1000 OH - OhioOK - Oklahoma -0.2600 -0.2600 OK - OklahomaOR - Oregon -0.2100 -0.2100 OR - OregonPA - Pennsylvania -0.2700 -0.2700 PA - PennsylvaniaSC - South Carolina -0.2000 -0.2000 SC - South CarolinaSD - South Dakota -0.1900 -0.1900 SD - South DakotaTN - Tennessee -0.2300 -0.2300 TN - TennesseeTX - Texas -0.3600 -0.3600 TX - TexasUT - Utah -0.1800 -0.1800 UT - UtahVA - Virginia -0.1600 -0.1600 VA - VirginiaVT - Vermont -0.2100 -0.2100 VT - VermontWA - Washington -0.1800 -0.1800 WA - WashingtonWI - Wisconsin -0.1400 -0.1400 WI - WisconsinWV - West Virginia -0.1600 -0.1600 WV - West VirginiaWY - Wyoming -0.1400 -0.1400 WY - Wyoming

Government Jumbo (5/1

ARM)

Government Standard (5/1

ARM)




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We offer HECM FIXED for Purchase, Repair Set Asides and Condos. Underwriting / Condition Resolution

HECM Files submitted today will be underwritten by next working dayCondition Resolution 24-48 Hours

7 Days Lock Must Fund By => 3-Jan-2013

Locks are allowed on CTC only.

HECM Fixed StandardInterest Rate Lender Origination Fee Credit to Borrower

4.50 % None 1.00 %4.75 % None 2.00 %4.99 % None 3.25 %5.06 % None 3.75 %5.18 % None 4.00 %5.30 % None 5.00 %

Above YSP is for a monthly servicing fee of $0.

HECM Fixed SaverInterest Rate Lender Origination Fee Credit to Borrower

5.18 None 0.00Above YSP is for a monthly servicing fee of $0.

Please refer to Special Price Adjustments applicable to HECM program.

Special Price Adjustments and Guidelines

Subject property located in IN, OH, MI -3.000Manufactured Home -4.000Log Home -3.000Geodesic Homes -3.000

» If a loan is originated as consumer paid, it can not be changed to lender paid.» If a loan is originated as lender paid, it can not be changed to consumer paid.» HECM Fixed Pricing is subject to market movement.» HECM Fixed are closed end loans and must be fully drawn at funding.

» Single Wide Manufactured Homes NOT allowed.» HECM Fixed loans are NOT allowed in IL. » HECM Purchase loans are NOT allowed in MA, TX.» Sun West is NOT accepting Wholesale loans in MA, MO, NC, RI.» Above pricing does not apply to subject properties located in PR.

Loans with following characteristics will charged additional points from the credit available to the borrower. Please refer to the following table for charge applicable.

Additional Guidelines:» If origination fee listed is more than the maximum allowed per FHA guidelines, loan must be originated at a higher rate. Please call secondary for more information.

» Condos must meet DELRAP / HRAP guidelines.




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HECM LIBOR ARM Standard

Margin Origination Fee Price - 7 Day Lock Price - 15 Day Lock Price - 30 Day Lock

2.25 $0.00 4.750% Rebate 4.650% Rebate 4.550% Rebate





HECM LIBOR ARM Saver

Margin Origination Fee Price - 7 Day Lock Price - 15 Day Lock Price - 30 Day Lock






Special Price Adjustments and Guidelines

Subject property located in IN, OH, MI -1.000

-3.000

Log Home -3.000

Manufactured Home -4.000

» HECM ARM Pricing is subject to market movement.» Single Wide Manufactured Homes NOT allowed.» HECM Purchase loans are NOT allowed in MA, TX.» Sun West is NOT accepting Wholesale loans in MA, MO, NC, RI.» Above pricing does not apply to subject properties located in PR.

If you would like to be omitted from this distribution or would like additional information, please call us at (800) 453-7884.

Loans with previously defaulted tax and insurance will only be accepted on exception basis. Please contact [email protected] for more information.

Geodesic Homes

Additional Guidelines:

All loans subject to approval. Certain restrictions may apply. Listed Pricing is Morning Indication Only. Program Rates, Prices, Guidelines, Fees, Costs, terms and Conditions are subject to change without notice. This information is provided to licensed Loan Representatives only and may not be copied or distributed to customers or potential customers.

Sun West Mortgage Company, Inc. (NMLS ID 3277) has a Consumer Credit License in Alabama (License# 21015); is licensed as a Mortgage Broker and Lender (License# AK3277) in Alaska; is licensed as a mortgage banker and mortgage servicer by the Arkansas Securities Commissioner (License# 40431); by the Arizona Department of Financial Institutions (registered in Arizona as Cal State Funding and licensed as a Mortgage Banker, License# BKBR 0113709 in its Mesa, AZ office and has a branch License# BK-0909624 in Cerritos, CA); by the Department of Corporations as a California Finance Lender (License #603 0119) and is licensed by the Department of Real Estate (License #00793885); by the Colorado Department of Law Uniform Consumer Credit Code, holding a Supervised Lender’s License (989559); the Connecticut Department of Banking (Registered in Connecticut as Sun West Mortgage Company, Inc. dba Cal State Funding, Mortgage lender (License# 19683), is a licensed Mortgage Lender in the District of Columbia (MLB3277); is a licensed lender in Delaware (State Bank Commissioner License# 9970); is licensed by Florida’s Office of Financial Regulation with a Mortgage Lender License (License# ML 0701268); is a licensed Mortgage Banker in Georgia (License# 22591); is exempt from licensing requirement in Hawaii, owing to HUD approval; is an Illinois Residential Mortgage Licensee by the Office of Banks and Real Estate, Mortgage Banking Division, (License# MB.6760356); is a First Lien Mortgage Lending licensee with Indiana Department of Financial Institutions (License# 11272); is a licensed Mortgage Banker in Iowa (License# MBK-2007-0093); is licensed as a Mortgage Broker and Lender (License# MBL-6742) in Idaho; is licensed as a Supervised Lender in Kansas (License# SL.0000442); is licensed as a Mortgage Loan Company by the Department of Financial Institutions, (License# MC71444); is licensed as a Residential Mortgage Lender in Louisiana (License# RML 2713-0); is licensed as a Supervised Lender in Maine (License # SLM9710); is a licensed mortgage lender in Maryland ( License# 17740); is a registered third party servicer in Massachussettes (Registration# LS0117, Certificate #385); is registered as a mortgage broker, lender and servicer in Michigan for first (License# FR-0016085); is a licensed Residential Mortgage Originator in Minnesota (License# 40020564); Licensed by the Mississippi Department of Banking and Consumer Finance (License# 603/2008); is a licensed Mortgage Banker in Nebraska as dba Cal State Funding, Inc. (License# 1908); is exempt from licensing as a Wholesale Lender in Nevada; is licensed by the New Hampshire Banking Department as a Mortgage Banker (License # 13604-MB; is a licensed lender in New Jersey (License# L061492) with a branch office in Cerritos, CA (License# L057514); registered in New Mexico under the Mortgage Loan Company and Loan Broker Act (License# 03201) doing business as Sun West Mortgage USA, Inc.; is licensed as a Mortgage Banker-NYS Banking Department (License# LMBC 106838); is a North Dakota licensed Mortgage Broker (License# MB101661; is exempt from licensing requirement in Ohio, owing to HUD approval; an Oregon Mortgage Lender Licensee (License# ML-4599); is exempt from the Oklahoma Mortgage Broker Act (License# 2008316); is licensed mortgage banker in Pennsylvania (License# 21829); is a licensed mortgage lender and servicer in Puerto Rico (License# IH-138); a Supervised Lender in South Carolina (License# S-7,411); a South Dakota Licensed Mortgage Lender (License# 4740); registered by the Tennessee Department of Financial Institutions under the Residential Lending, Brokerage and Servicing Act (License# 0000003552); a Registered Texas Mortgage Banker (License# 50138); is a licensed lender in Utah (License# 7477238-MLCO); is a licensed lender in Vermont (License# 6060 / VT-LL999); licensed by the Virginia State Corporate Commission as MC-4999; has a Consumer Loan License in Washington (520-CL-49598), a mortgage lender in West Virginia (License# ML-23946); and is licensed as a Mortgage Banker in Wisconsin (License# 212942); and as a Residential Mortgage Lender in Wyoming (License# MBL-1902).

In all states, the principal licensed office of Sun West Mortgage Company, Inc. is 18303 Gridley Road in Cerritos, CA 90703; (800) 453-7884.




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Sun West Mortgage Company, Inc. (NMLS ID 3277) has a Consumer Credit License in Alabama (License# 21015); is licensed as a Mortgage Broker and Lender (License# AK3277) in Alaska; is licensedas a mortgage banker and mortgage servicer by the Arkansas Securities Commissioner (License# 40431); by the Arizona Department of Financial Institutions (registered in Arizona as Cal StateFunding and licensed as a Mortgage Banker, License# BKBR 0113709 in its Mesa, AZ office and has a branch License# BK-0909624 in Cerritos, CA); by the Department of Corporations as a CaliforniaFinance Lender (License #603 0119) and is licensed by the Department of Real Estate (License #00793885); by the Colorado Department of Law Uniform Consumer Credit Code, holding a SupervisedLender’s License (989559); the Connecticut Department of Banking (Registered in Connecticut as Sun West Mortgage Company, Inc. dba Cal State Funding, Mortgage lender (License# 19683), is alicensed Mortgage Lender in the District of Columbia (MLB3277); is a licensed lender in Delaware (State Bank Commissioner License# 9970); is licensed by Florida’s Office of Financial Regulation witha Mortgage Lender License (License# ML 0701268); is a licensed Mortgage Banker in Georgia (License# 22591); is exempt from licensing requirement in Hawaii, owing to HUD approval; is an IllinoisResidential Mortgage Licensee by the Office of Banks and Real Estate, Mortgage Banking Division, (License# MB.6760356); is a First Lien Mortgage Lending licensee with Indiana Department ofFinancial Institutions (License# 11272); is a licensed Mortgage Banker in Iowa (License# MBK-2007-0093); is licensed as a Mortgage Broker and Lender (License# MBL-6742) in Idaho; is licensed as aSupervised Lender in Kansas (License# SL.0000442); is licensed as a Mortgage Loan Company by the Department of Financial Institutions, (License# MC71444); is licensed as a Residential Mortgage Lender in Louisiana (License# RML 2713-0); is licensed as a Supervised Lender in Maine (License # SLM9710); is a licensed mortgage lender in Maryland ( License# 17740); is a registered third party servicer in Massachussettes (Registration# LS0117, Certificate #385); is registered as a mortgage broker, lender and servicer in Michigan for first (License# FR-0016085); is a licensed ResidentialMortgage Originator in Minnesota (License# 40020564); Licensed by the Mississippi Department of Banking and Consumer Finance (License# 603/2008); is a licensed Mortgage Banker in Nebraska asdba Cal State Funding, Inc. (License# 1908); is exempt from licensing as a Wholesale Lender in Nevada; is licensed by the New Hampshire Banking Department as a Mortgage Banker (License # 13604-MB; is a licensed lender in New Jersey (License# L061492) with a branch office in Cerritos, CA (License# L057514); registered in New Mexico under the Mortgage Loan Company and LoanBroker Act (License# 03201) doing business as Sun West Mortgage USA, Inc.; is licensed as a Mortgage Banker-NYS Banking Department (License# LMBC 106838); is a North Dakota licensedMortgage Broker (License# MB101661; is exempt from licensing requirement in Ohio, owing to HUD approval; an Oregon Mortgage Lender Licensee (License# ML-4599); is exempt from the Oklahoma Mortgage Broker Act (License# 2008316); is licensed mortgage banker in Pennsylvania (License# 21829); is a licensed mortgage lender and servicer in Puerto Rico (License# IH-138); aSupervised Lender in South Carolina (License# S-7,411); a South Dakota Licensed Mortgage Lender (License# 4740); registered by the Tennessee Department of Financial Institutions under the Residential Lending, Brokerage and Servicing Act (License# 0000003552); a Registered Texas Mortgage Banker (License# 50138); is a licensed lender in Utah (License# 7477238-MLCO); is a licensedlender in Vermont (License# 6060 / VT-LL999); licensed by the Virginia State Corporate Commission as MC-4999; has a Consumer Loan License in Washington (520-CL-49598), a mortgage lender inWest Virginia (License# ML-23946); and is licensed as a Mortgage Banker in Wisconsin (License# 212942); and as a Residential Mortgage Lender in Wyoming (License# MBL-1902).

In all states, the principal licensed office of Sun West Mortgage Company, Inc. is 18303 Gridley Road in Cerritos, CA 90703; (800) 453-7884.

Loan Officer Phone:SUN WEST MORTGAGE COMPANY, INC.

18000 Studebaker Road, Suite 200, Cerritos, CA 90703Call: (855) TO-LOCK-NOW (855-865-6256)

Lock Desk Time - 06.00 AM - 04.00 PM PST


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