Government FICOs down to 580!
Page 2 FHA, VA, & USDA - Fixed, ARM, and Jumbo
Page 3 Fannie Mae - Fixed Conforming and High Balance Products
Page 4 Freddie Mac - Fixed Conforming and Super Conforming Products
Page 5 Fannie Mae - HomeReady™ Fixed and ARM Products
Page 6 Fannie Mae - HomeReady™ High Balance Fixed and ARM Products
Page 7 Freddie Mac - Home Possible Fixed and ARM Products
Page 8 Fannie Mae - ARM Conforming and High Balance Products
Page 9 Freddie Mac - ARM Conforming and Super Conforming Products
Page 10 Smart Series - Non-QM Products
Page 11 Dream Big Jumbo
Page 12 Jumbo Series D
Page 13 Jumbo Series I
Rate Today's Price Pricing Change **Market movement is a result of 30-day current pricing
Conventional 30yr Fixed compared to the most recent rate sheet released.**
3.500 (2.943) (0.150) Bracketed Pricing Changes and green arrows indicate improved pricing.
3.375 (2.438) (0.139) Rate Today's Price Pricing Change
Conventional 15yr Fixed FHA 30yr Fixed
2.990 (3.176) (0.003) 3.125 (3.154) (0.112)
2.875 (2.796) 0.009 3.000 (2.753) (0.112)
Conforming 5-6 SOFR ARM (2-1-5) VA 30yr Fixed
3.000 (0.474) 0.056 3.125 (3.014) (0.112)
2.875 (0.335) 0.057 3.000 (2.613) (0.112)
Hours: Price release – 6:59 AM EST on the following business day
Pricing on-line: www.NewRezWholesale.com
In order to lock prior to loan submission, 3.2 file must be uploaded via our website, www.NewRezWholesale.com
In order to remain locked, a full file must be submitted within 10 days for a 30-day lock, 15 days for a 45-day lock, or 20 days for a 60-day lock or greater.
● 1st-3rd Extension - 2 bps/day 7 Day Extension 10/29/2021
● 4th Extension or more - 4 bps/day 15 Day Lock/Extension 11/8/2021 15 Day Cost < 3 Prior Ext 0.300 ≥ 3 Prior Ext. 0.600
30 Day Lock/Extension 11/22/2021 30 Day Cost < 3 Prior Ext 0.600 ≥ 3 Prior Ext. 1.200
45 Day Lock/Extension 12/6/2021 45 Day Cost < 3 Prior Ext 0.900 ≥ 3 Prior Ext. 1.800
60 Day Lock 12/21/2021
90 Day Lock 1/20/2022
Lender Fees - Conforming, Government & Jumbo $995 1 Unit $548,250
Lender Fees - Smart Series $1,295 2 Unit $702,000
Lender Fees - FHA Streamline & VA IRRRL $495 3 Unit $848,500
4 Unit $1,054,500
Desk Review - LA $1MM-$1.5MM $200
Desk Review - Transferred Appraisal $200
Risk Report - Transferred Appraisal $25
Flood Fee (excluded from No Lender Fee Calculation) $6
Tax Service Fee (excluded from No Lender Fee Calculation) $80
(888) 988-1695
(484) 594-1998
* Rates are subject to change without notice
**Additional products, not on the rate sheet, are available through the portal. Contact your Relationship Manager for more details.
Website NewRezWholesale.com
Lock Desk [email protected]
CORPORATE CONTACTS
NewRez [email protected]
Fax
Mortgagee Clause (Wholesale)
NewRez LLC ISAOA ATIMA
PO Box 7050
TROY, MI 48007-7050
**Lender fees must be included in block one of the initial LE.
No Lender Fee options are available through the pricing engine online.
Pricing is based on worst case pricing: current market vs locked less a relock fee.
● Extended loans cannot expire on a
weekend or holiday.
● Max number of days to extend is 45
days per request.
If the market has improved by more than 50 bps and the loan is closing within 15 days, the relock fee will
be waived on 15 day relocks only. (Other restrictions may apply.)
GENERAL INFORMATION
Fee Info Agency Loan Limits
Please Note: Rate Sheets are provided for pricing purposes only and do not necessarily reflect product eligibility or availability. Please refer to the Product Guidelines located in the NewRez Lending Library
in order to determine product eligibility and/or availability for a given loan scenario.
TABLE OF CONTENTS
MARKET MOVEMENTS
LOCK POLICIES
Lock Extension Info Expiration Dates Relock Policy
Smart Series Non-QM & Jumbo Series are Back!
Effective Fri 10/22/2021 8:56 AM EST
Illinois Wholesale Rate Sheet
Improved pricing on loan amounts from $300,000 to the conforming limit!
Purchase Special available on Conventional & Government!
Page 1
15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day
4.500 (6.067) (6.029) (6.022) (5.914) 4.500 (5.927) (5.889) (5.882) (5.774) 4.500 (5.817) (5.779) (5.772) (5.664)
4.375 (5.804) (5.766) (5.759) (5.651) 4.375 (5.664) (5.626) (5.619) (5.511) 4.375 (5.554) (5.516) (5.509) (5.401)
4.250 (5.506) (5.468) (5.460) (5.353) 4.250 (5.366) (5.328) (5.320) (5.213) 4.250 (5.256) (5.218) (5.210) (5.103)
4.125 (5.153) (5.085) (5.048) (4.910) 4.125 (5.013) (4.945) (4.908) (4.770) 4.125 (4.903) (4.835) (4.798) (4.660)
4.000 (4.858) (4.790) (4.753) (4.615) 4.000 (4.718) (4.650) (4.613) (4.475) 4.000 (4.608) (4.540) (4.503) (4.365)
3.875 (4.554) (4.486) (4.448) (4.310) 3.875 (4.414) (4.346) (4.308) (4.170) 3.875 (4.304) (4.236) (4.198) (4.060)
3.750 (4.592) (4.509) (4.456) (4.303) 3.750 (4.452) (4.369) (4.316) (4.163) 3.750 (4.342) (4.259) (4.206) (4.053)
3.625 (4.272) (4.189) (4.136) (3.983) 3.625 (4.132) (4.049) (3.996) (3.843) 3.625 (4.022) (3.939) (3.886) (3.733)
3.500 (3.926) (3.843) (3.790) (3.637) 3.500 (3.786) (3.703) (3.650) (3.497) 3.500 (3.676) (3.593) (3.540) (3.387)
3.375 (3.568) (3.485) (3.433) (3.280) 3.375 (3.428) (3.345) (3.293) (3.140) 3.375 (3.318) (3.235) (3.183) (3.030)
3.250 (3.668) (3.532) (3.426) (3.221) 3.250 (3.528) (3.392) (3.286) (3.081) 3.250 (3.418) (3.282) (3.176) (2.971)
3.125 (3.290) (3.154) (3.048) (2.842) 3.125 (3.150) (3.014) (2.908) (2.702) 3.125 (3.040) (2.904) (2.798) (2.592)
3.000 (2.889) (2.753) (2.647) (2.441) 3.000 (2.749) (2.613) (2.507) (2.301) 3.000 (2.639) (2.503) (2.397) (2.191)
2.990 (2.891) (2.755) (2.649) (2.443) 2.990 (2.751) (2.615) (2.509) (2.303) 2.990 (2.641) (2.505) (2.399) (2.193)
2.875 (2.479) (2.343) (2.237) (2.032) 2.875 (2.339) (2.203) (2.097) (1.892) 2.875 (2.229) (2.093) (1.987) (1.782)
2.750 (2.072) (1.928) (1.815) (1.601) 2.750 (1.932) (1.788) (1.675) (1.461) 2.750 (1.822) (1.678) (1.565) (1.351)
2.625 (1.641) (1.497) (1.384) (1.171) 2.625 (1.501) (1.357) (1.244) (1.031) 2.625 (1.391) (1.247) (1.134) (0.921)
2.500 (1.198) (1.054) (0.941) (0.727) 2.500 (1.058) (0.914) (0.801) (0.587) 2.500 (0.948) (0.804) (0.691) (0.477)
2.375 (0.755) (0.612) (0.498) (0.285) 2.375 (0.615) (0.472) (0.358) (0.145) 2.375 (0.505) (0.362) (0.248) (0.035)
2.250 (0.294) (0.151) (0.038) 0.176 2.250 (0.154) (0.011) 0.102 0.316 2.250 (0.044) 0.099 0.212 0.426
2.125 2.042 2.185 2.299 2.512 2.125 2.182 2.325 2.439 2.652 2.125 2.292 2.435 2.549 2.762
2.000 2.507 2.650 2.764 2.977 2.000 2.647 2.790 2.904 3.117 2.000 2.757 2.900 3.014 3.227
1.990 2.532 2.675 2.789 3.002 1.990 2.672 2.815 2.929 3.142 1.990 2.782 2.925 3.039 3.252
1.875 2.966 3.110 3.223 3.437 1.875 3.106 3.250 3.363 3.577 1.875 3.216 3.360 3.473 3.687
1.750 3.438 3.582 3.695 3.909 1.750 3.578 3.722 3.835 4.049 1.750 3.688 3.832 3.945 4.159
15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day
3.750 (3.082) (2.981) (2.910) (2.739) 3.750 (2.742) (2.641) (2.570) (2.399) 3.500 (2.596) (2.513) (2.460) (2.307)
3.625 (2.812) (2.711) (2.640) (2.469) 3.625 (2.472) (2.371) (2.300) (2.129) 3.375 (2.238) (2.155) (2.103) (1.950)
3.500 (2.517) (2.416) (2.345) (2.174) 3.500 (2.177) (2.076) (2.005) (1.834) 3.250 (2.619) (2.483) (2.377) (2.172)
3.375 (2.208) (2.107) (2.036) (1.865) 3.375 (1.868) (1.767) (1.696) (1.525) 3.125 (2.241) (2.105) (1.999) (1.793)
3.250 (2.680) (2.593) (2.536) (2.379) 3.250 (2.340) (2.253) (2.196) (2.039) 3.000 (1.840) (1.704) (1.598) (1.392)
3.125 (2.381) (2.294) (2.237) (2.081) 3.125 (2.041) (1.954) (1.897) (1.741) 2.990 (1.842) (1.706) (1.600) (1.394)
3.000 (2.055) (1.969) (1.912) (1.755) 3.000 (1.715) (1.629) (1.572) (1.415) 2.875 (1.430) (1.294) (1.188) (0.983)
2.875 (1.714) (1.627) (1.570) (1.413) 2.875 (1.374) (1.287) (1.230) (1.073) 2.750 (0.929) (0.785) (0.672) (0.459)
2.750 (1.356) (1.269) (1.212) (1.055) 2.750 (1.016) (0.929) (0.872) (0.715) 2.625 (0.498) (0.355) (0.241) (0.028)
2.625 (0.993) (0.878) (0.793) (0.608) 2.625 (0.653) (0.538) (0.453) (0.268) 2.500 (0.055) 0.089 0.202 0.415
2.500 (0.631) (0.516) (0.431) (0.245) 2.500 (0.291) (0.176) (0.091) 0.095 2.375 0.387 0.531 0.644 0.858
2.375 (0.255) (0.139) (0.054) 0.131 2.375 0.085 0.201 0.286 0.471 2.250 0.848 0.992 1.105 1.319
2.250 0.134 0.249 0.334 0.519 2.250 0.474 0.589 0.674 0.859 2.125 3.622 3.765 3.879 4.092
2.125 1.011 1.140 1.240 1.439 2.125 1.351 1.480 1.580 1.779 2.000 4.087 4.230 4.344 4.557
2.000 1.403 1.532 1.632 1.831 2.000 1.743 1.872 1.972 2.171 1.990 4.112 4.255 4.369 4.582
1.875 1.803 1.933 2.032 2.232 1.875 2.143 2.273 2.372 2.572 1.875 4.546 4.690 4.803 5.017
1.750 2.211 2.340 2.440 2.639 1.750 2.551 2.680 2.780 2.979 1.750 5.018 5.162 5.275 5.489
15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day
3.500 (2.846) (2.763) (2.710) (2.557) 4.125 (1.566) (1.416) (1.266) (1.116) 4.125 (1.266) (1.116) (0.966) (0.816)
3.375 (2.488) (2.405) (2.353) (2.200) 4.000 (1.204) (1.054) (0.904) (0.754) 4.000 (0.904) (0.754) (0.604) (0.454)
3.250 (2.869) (2.733) (2.627) (2.422) 3.875 (0.835) (0.685) (0.535) (0.385) 3.875 (0.535) (0.385) (0.235) (0.085)
3.125 (2.491) (2.355) (2.249) (2.043) 3.750 (0.460) (0.310) (0.160) (0.010) 3.750 (0.160) (0.010) 0.140 0.290
3.000 (2.090) (1.954) (1.848) (1.642) 3.625 (1.163) (1.013) (0.863) (0.713) 3.625 (0.863) (0.713) (0.563) (0.413)
2.990 (2.092) (1.956) (1.850) (1.644) 3.500 (0.726) (0.576) (0.426) (0.276) 3.500 (0.426) (0.276) (0.126) 0.024
2.875 (1.680) (1.544) (1.438) (1.233) 3.375 (0.282) (0.132) 0.018 0.168 3.375 0.018 0.168 0.318 0.468
2.750 (1.179) (1.035) (0.922) (0.709) 3.250 0.169 0.319 0.469 0.619 3.250 0.469 0.619 0.769 0.919
2.625 (0.748) (0.605) (0.491) (0.278) 3.125 (0.593) (0.443) (0.293) (0.143) 3.125 (0.293) (0.143) 0.007 0.157
2.500 (0.305) (0.161) (0.048) 0.165 3.000 (0.148) 0.002 0.152 0.302 3.000 0.152 0.302 0.452 0.602
2.375 0.137 0.281 0.394 0.608 2.875 0.305 0.455 0.605 0.755 2.875 0.605 0.755 0.905 1.055
2.250 0.598 0.742 0.855 1.069 2.750 0.767 0.917 1.067 1.217 2.750 1.067 1.217 1.367 1.517
2.125 3.372 3.515 3.629 3.842
2.000 3.837 3.980 4.094 4.307
1.990 3.862 4.005 4.119 4.332
1.875 4.296 4.440 4.553 4.767
1.750 4.768 4.912 5.025 5.239
15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day
4.125 (2.626) (2.476) (2.326) (2.176) 4.125 (2.876) (2.726) (2.576) (2.426)
4.000 (2.264) (2.114) (1.964) (1.814) 4.000 (2.514) (2.364) (2.214) (2.064)
3.875 (1.895) (1.745) (1.595) (1.445) 3.875 (2.145) (1.995) (1.845) (1.695)
3.750 (1.520) (1.370) (1.220) (1.070) 3.750 (1.770) (1.620) (1.470) (1.320)
3.625 (2.223) (2.073) (1.923) (1.773) 3.625 (2.473) (2.323) (2.173) (2.023)
3.500 (1.786) (1.636) (1.486) (1.336) 3.500 (2.036) (1.886) (1.736) (1.586)
3.375 (1.342) (1.192) (1.042) (0.892) 3.375 (1.592) (1.442) (1.292) (1.142)
3.250 (0.891) (0.741) (0.591) (0.441) 3.250 (1.141) (0.991) (0.841) (0.691)
3.125 (1.653) (1.503) (1.353) (1.203) 3.125 (1.903) (1.753) (1.603) (1.453)
3.000 (1.208) (1.058) (0.908) (0.758) 3.000 (1.458) (1.308) (1.158) (1.008)
2.875 (0.755) (0.605) (0.455) (0.305) 2.875 (1.005) (0.855) (0.705) (0.555)
2.750 (0.293) (0.143) 0.007 0.157 2.750 (0.543) (0.393) (0.243) (0.093)
Purchase FICO/Loan Size Adjustments Miscellaneous Adjustments
Loan Amount <560 560-579 580-599 600-619 620-639 640-659 660-679 680-699 700-719 720-739 740-759 760-779 780+ 90 Day Lock (FRM Only) 0.500
<$50k 5.500 5.375 4.625 3.500 2.625 1.375 0.875 0.625 0.625 0.525 0.525 0.425 0.375 VA Cashout >90 LTV N/A
$50k-$74.9k 4.625 4.500 3.750 2.625 1.750 0.500 0.000 -0.250 -0.250 -0.350 -0.350 -0.450 -0.500 VA - Refinance Credit Score ≥ 620 0.125
$75k-$99.9k 4.625 4.500 3.750 2.625 1.750 0.500 0.000 -0.250 -0.250 -0.350 -0.350 -0.450 -0.500 VA - All Loan Purposes - Credit Score < 620 0.250
$100k-$124.9k 4.375 4.250 3.500 2.375 1.500 0.250 -0.250 -0.500 -0.500 -0.600 -0.600 -0.700 -0.750 VA - IRRRL - Investment Property 0.750
$125k-$199.9k 4.375 4.250 3.500 2.375 1.500 0.250 -0.250 -0.500 -0.200 -0.300 -0.300 -0.400 -0.450 Manufactured Home 1.250
$200k-$249.9k 3.875 3.750 3.000 1.875 1.150 -0.100 -0.400 -0.550 -0.550 -0.650 -0.650 -0.650 -0.700 FHA/VA 15Yr High Balance (Use 15Yr Conf Pricing) 2.500
$250k-$299.9k 3.875 3.750 3.000 1.875 1.150 -0.100 -0.400 -0.550 -0.550 -0.650 -0.650 -0.650 -0.700
$300k-$399.9k 3.875 3.750 3.000 1.875 1.150 -0.100 -0.400 -0.550 -0.550 -0.650 -0.650 -0.650 -0.700
$400k-$499.9k 3.875 3.750 3.000 1.875 1.150 -0.100 -0.400 -0.550 -0.550 -0.650 -0.650 -0.650 -0.700
$500k-Conf Limit 3.875 3.750 3.000 1.875 1.150 -0.100 -0.400 -0.550 -0.550 -0.650 -0.650 -0.650 -0.700
High Balance 4.375 4.250 3.500 1.275 1.150 -0.100 -0.400 -0.550 -0.550 -0.650 -0.650 -0.650 -0.700
Refinance FICO/Loan Size Adjustments Loan Size Adjustments for VA BPC Loans
Loan Amount <560 560-579 580-599 600-619 620-639 640-659 660-679 680-699 700-719 720-739 740-759 760-779 780+ < $100,000 0.400
<$50k 5.500 5.375 4.625 3.500 3.125 1.875 1.375 1.125 1.125 1.025 1.025 0.925 0.875 $100,000-$199,999 0.280
$50k-$74.9k 4.625 4.500 3.750 2.625 2.250 1.000 0.500 0.250 0.250 0.150 0.150 0.050 0.000 $200,000-$299,999 0.220
$75k-$99.9k 4.625 4.500 3.750 2.625 2.250 1.000 0.500 0.250 0.250 0.150 0.150 0.050 0.000 $300,000-$399,999 0.190
$100k-$124.9k 4.375 4.250 3.500 2.375 2.000 0.750 0.250 0.000 0.000 -0.100 -0.100 -0.200 -0.250 ≥ $400,000 0.150
$125k-$199.9k 4.375 4.250 3.500 2.375 2.000 0.750 0.250 0.100 0.100 0.000 0.000 -0.100 -0.150
$200k-$249.9k 3.875 3.750 3.000 1.875 1.650 0.400 0.000 -0.250 -0.250 -0.350 -0.350 -0.450 -0.400 Fixed -6.000
$250k-$299.9k 3.875 3.750 3.000 1.875 1.650 0.400 0.000 -0.250 -0.150 -0.250 -0.250 -0.350 -0.400 ARM -3.000
$300k-$399.9k 3.875 3.750 3.000 1.875 1.650 0.400 0.000 -0.250 -0.150 -0.250 -0.250 -0.350 -0.400
$400k-$499.9k 3.875 3.750 3.000 1.875 1.650 0.400 0.000 -0.250 -0.150 -0.250 -0.250 -0.350 -0.400 Margin on all Government ARMs 2.00%
$500k-Conf Limit 3.875 3.750 3.000 1.875 1.650 0.400 0.000 -0.250 -0.150 -0.250 -0.250 -0.350 -0.400
High Balance 4.375 4.250 3.500 2.375 2.000 0.750 0.250 0.100 0.100 0.000 0.000 -0.100 -0.150
IRRRL & Streamline FICO/Loan Size Adjustments
Loan Amount <560 560-579 580-599 600-619 620-639 640-659 660-679 680-699 700-719 720-739 740-759 760-779 780+
<$50k 5.500 5.375 4.625 3.500 2.875 1.625 1.125 0.875 0.875 0.775 0.775 0.675 0.625
$50k-$74.9k 4.625 4.500 3.750 2.625 2.000 0.750 0.250 0.000 0.000 -0.100 -0.100 -0.200 -0.250 *Some adjustment details may not appear when pricing through
$75k-$99.9k 4.625 4.500 3.750 2.625 2.000 0.750 0.250 0.000 0.000 -0.100 -0.100 -0.200 -0.250 the portal however the final pricde will match the rate sheet.
$100k-$124.9k 4.375 4.250 3.500 2.375 1.750 0.500 0.000 -0.250 -0.250 -0.350 -0.350 -0.450 -0.500
$125k-$199.9k 4.375 4.250 3.500 2.375 1.750 0.500 0.000 -0.250 -0.250 -0.350 -0.350 -0.450 -0.500 *FHA Lender ID: 2557400002 *VA Lender ID: 6001710000
$200k-$249.9k 3.875 3.750 3.000 1.875 1.400 0.150 -0.350 -0.600 -0.600 -0.700 -0.700 -0.700 -0.750
$250k-$299.9k 3.875 3.750 3.000 1.875 1.400 0.150 -0.350 -0.600 -0.600 -0.700 -0.700 -0.700 -0.750
$300k-$399.9k 3.875 3.750 3.000 1.875 1.400 0.150 -0.350 -0.600 -0.600 -0.700 -0.700 -0.700 -0.750
$400k-$499.9k 3.875 3.750 3.000 1.875 1.400 0.150 -0.350 -0.600 -0.600 -0.700 -0.700 -0.700 -0.750
$500k-Conf Limit 3.875 3.750 3.000 1.875 1.400 0.150 -0.350 -0.600 -0.600 -0.700 -0.700 -0.700 -0.750
High Balance 4.375 4.250 3.500 1.525 1.400 0.150 -0.350 -0.600 -0.600 -0.700 -0.700 -0.700 -0.750
FHA 5-1 ARM High Balance (1-1-5 Caps) VA 5-1 ARM High Balance (1-1-5 Caps)
Loan Level Price Adjustments
Apply in
additon to
standard
adjustments
Max YSP
No Lender Fee options are available through the pricing engine
online.
FHA 15 Yr Fixed VA 15 Yr Fixed FHA High Balance 30 Yr Fixed
VA High Balance 30 Yr Fixed FHA 5-1 ARM (1-1-5 Caps) VA 5-1 ARM (1-1-5 Caps)
Illinois Wholesale Rate Sheetas of 10/22/2021 8:56 AM
Government Products
FHA 30 Yr Fixed VA 30 Yr Fixed USDA 30 Yr Fixed
Page 2
15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day
5.000 (7.377) (7.340) (7.332) (7.225) 5.000 (7.357) (7.319) (7.312) (7.204)
4.990 (7.360) (7.322) (7.314) (7.207) 4.990 (7.332) (7.295) (7.287) (7.179)
4.875 (7.067) (7.029) (7.022) (6.914) 4.875 (7.067) (7.029) (7.022) (6.914)
4.750 (6.739) (6.702) (6.694) (6.587) 4.750 (6.739) (6.702) (6.694) (6.587)
4.625 (6.481) (6.421) (6.391) (6.260) 4.625 (6.459) (6.399) (6.369) (6.238)
4.500 (6.179) (6.119) (6.089) (5.958) 4.500 (6.168) (6.108) (6.078) (5.947) 4.375 (6.294) (6.234) (6.204) (6.074)
4.375 (5.825) (5.765) (5.734) (5.604) 4.375 (5.825) (5.765) (5.734) (5.604) 4.250 (5.927) (5.867) (5.836) (5.706)
4.250 (5.443) (5.382) (5.352) (5.222) 4.250 (5.443) (5.382) (5.352) (5.222) 4.125 (5.726) (5.620) (5.544) (5.369)
4.125 (5.189) (5.084) (5.008) (4.832) 4.125 (5.152) (5.047) (4.971) (4.795) 4.000 (5.441) (5.335) (5.259) (5.084)
4.000 (4.810) (4.705) (4.629) (4.454) 4.000 (4.773) (4.667) (4.592) (4.416) 3.990 (5.477) (5.372) (5.296) (5.120)
3.990 (4.840) (4.734) (4.658) (4.483) 3.990 (4.797) (4.691) (4.616) (4.440) 3.875 (5.083) (4.977) (4.902) (4.726)
3.875 (4.408) (4.302) (4.226) (4.051) 3.875 (4.376) (4.271) (4.195) (4.019) 3.750 (4.596) (4.490) (4.414) (4.239)
3.750 (3.920) (3.815) (3.739) (3.564) 3.750 (3.910) (3.805) (3.729) (3.553) 3.625 (4.414) (4.278) (4.172) (3.966)
3.625 (3.534) (3.398) (3.292) (3.086) 3.625 (3.489) (3.353) (3.247) (3.041) 3.500 (4.052) (3.917) (3.811) (3.605)
3.500 (3.079) (2.943) (2.837) (2.631) 3.500 (3.031) (2.895) (2.789) (2.584) 3.375 (3.593) (3.457) (3.351) (3.145)
3.375 (2.574) (2.438) (2.332) (2.126) 3.375 (2.539) (2.403) (2.297) (2.091) 3.250 (3.033) (2.897) (2.792) (2.586)
3.250 (2.014) (1.878) (1.773) (1.567) 3.250 (2.002) (1.866) (1.761) (1.555) 3.125 (2.947) (2.811) (2.705) (2.499)
3.125 (1.324) (1.188) (1.082) (0.876) 3.125 (1.324) (1.188) (1.082) (0.876) 3.000 (2.512) (2.377) (2.271) (2.065)
3.000 (0.570) (0.434) (0.328) (0.122) 3.000 (0.555) (0.419) (0.313) (0.107) 2.990 (2.528) (2.392) (2.286) (2.080)
2.990 (0.578) (0.442) (0.336) (0.130) 2.990 (0.523) (0.387) (0.281) (0.075) 2.875 (1.978) (1.842) (1.736) (1.530)
2.875 0.010 0.146 0.252 0.458 2.875 0.051 0.187 0.293 0.498 2.750 (1.308) (1.172) (1.067) (0.861)
2.750 0.679 0.815 0.921 1.127 2.750 0.693 0.829 0.935 1.141 2.625 (0.535) (0.399) (0.293) (0.087)
2.625 1.487 1.623 1.729 1.935 2.625 1.478 1.613 1.719 1.925 2.500 0.254 0.388 0.471 0.654
2.500 2.373 2.509 2.615 2.821 2.500 2.345 2.480 2.586 2.792 2.375 0.901 1.014 1.097 1.280
2.375 3.107 3.221 3.304 3.487 2.375 3.154 3.267 3.350 3.533 2.250 1.679 1.792 1.875 2.058
2.250 3.885 3.998 4.082 4.265 2.250 3.901 4.014 4.097 4.280
15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day
4.000 (5.499) (5.398) (5.327) (5.156) 4.000 (6.179) (6.078) (6.007) (5.836) 4.625 (4.353) (4.293) (4.263) (4.132)
3.990 (5.461) (5.360) (5.289) (5.118) 3.990 (6.120) (6.019) (5.947) (5.776) 4.500 (4.054) (3.994) (3.964) (3.834)
3.875 (5.166) (5.065) (4.994) (4.823) 3.875 (5.924) (5.823) (5.752) (5.581) 4.375 (3.708) (3.647) (3.617) (3.487)
3.750 (4.777) (4.676) (4.605) (4.433) 3.750 (5.551) (5.450) (5.379) (5.208) 4.250 (3.323) (3.263) (3.232) (3.102)
3.625 (4.362) (4.261) (4.190) (4.019) 3.625 (5.057) (4.955) (4.884) (4.713) 4.125 (3.132) (3.026) (2.951) (2.775)
3.500 (4.683) (4.596) (4.539) (4.383) 3.500 (4.983) (4.896) (4.839) (4.682) 4.000 (2.767) (2.661) (2.585) (2.410)
3.375 (4.356) (4.270) (4.213) (4.056) 3.375 (4.777) (4.691) (4.634) (4.477) 3.990 (2.760) (2.655) (2.579) (2.404)
3.250 (3.978) (3.891) (3.834) (3.677) 3.250 (4.424) (4.337) (4.281) (4.124) 3.875 (2.367) (2.261) (2.186) (2.010)
3.125 (3.549) (3.462) (3.405) (3.248) 3.125 (3.938) (3.851) (3.794) (3.637) 3.750 (1.933) (1.827) (1.752) (1.576)
3.000 (3.339) (3.224) (3.139) (2.953) 3.000 (3.426) (3.339) (3.282) (3.126) 3.625 (2.422) (2.286) (2.180) (1.974)
2.990 (3.291) (3.176) (3.090) (2.905) 2.990 (3.386) (3.299) (3.242) (3.085) 3.500 (1.994) (1.858) (1.752) (1.546)
2.875 (2.911) (2.796) (2.711) (2.526) 2.875 (3.087) (2.972) (2.887) (2.702) 3.375 (1.529) (1.393) (1.287) (1.081)
2.750 (2.514) (2.399) (2.314) (2.129) 2.750 (2.714) (2.598) (2.513) (2.328) 3.250 (1.024) (0.888) (0.782) (0.576)
2.625 (2.025) (1.910) (1.825) (1.640) 2.625 (2.236) (2.121) (2.035) (1.850) 3.125 (0.377) (0.241) (0.135) 0.071
2.500 (1.515) (1.400) (1.315) (1.130) 2.500 (2.127) (1.998) (1.898) (1.699) 3.000 0.386 0.522 0.628 0.833
2.375 (0.973) (0.853) (0.768) (0.582) 2.375 (1.766) (1.637) (1.537) (1.338) 2.990 0.241 0.377 0.483 0.689
2.250 (0.501) (0.371) (0.272) (0.072) 2.250 (1.351) (1.222) (1.122) (0.923) 2.875 0.812 0.947 1.053 1.259
2.125 (0.010) 0.119 0.218 0.418 2.125 (0.869) (0.740) (0.640) (0.441) 2.750 1.432 1.568 1.674 1.880
2.000 0.549 0.678 0.778 0.977 2.000 (0.384) (0.254) (0.155) 0.044 2.625 2.132 2.268 2.374 2.580
1.990 0.603 0.732 0.832 1.031 1.990 (0.344) (0.214) (0.115) 0.084 2.500 2.902 3.038 3.144 3.350
1.875 1.166 1.296 1.395 1.594 1.875 0.074 0.204 0.303 0.503 2.375 3.711 3.847 3.953 4.159
1.750 1.799 1.928 2.028 2.227 1.750 0.541 0.670 0.770 0.969 2.250 4.533 4.668 4.774 4.980
15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day
4.625 (4.353) (4.293) (4.263) (4.132) 4.000 (2.864) (2.763) (2.692) (2.521)
4.500 (4.054) (3.994) (3.964) (3.834) 3.990 (2.833) (2.732) (2.661) (2.490)
4.375 (3.708) (3.647) (3.617) (3.487) 4.375 (3.527) (3.466) (3.436) (3.306) 3.875 (2.587) (2.486) (2.415) (2.244)
4.250 (3.323) (3.263) (3.232) (3.102) 4.250 (3.142) (3.082) (3.051) (2.921) 3.750 (2.283) (2.182) (2.111) (1.940)
4.125 (3.132) (3.026) (2.951) (2.775) 4.125 (2.812) (2.707) (2.631) (2.495) 3.625 (1.906) (1.805) (1.734) (1.563)
4.000 (2.767) (2.661) (2.585) (2.410) 4.000 (2.541) (2.435) (2.359) (2.184) 3.500 (2.559) (2.472) (2.415) (2.258)
3.990 (2.760) (2.655) (2.579) (2.404) 3.990 (2.542) (2.436) (2.361) (2.185) 3.375 (2.324) (2.237) (2.180) (2.024)
3.875 (2.367) (2.261) (2.186) (2.010) 3.875 (2.186) (2.080) (2.005) (1.829) 3.250 (1.989) (1.902) (1.846) (1.689)
3.750 (1.933) (1.827) (1.752) (1.576) 3.750 (1.752) (1.646) (1.571) (1.395) 3.125 (1.567) (1.480) (1.423) (1.266)
3.625 (2.422) (2.286) (2.180) (1.974) 3.625 (2.102) (1.966) (1.860) (1.654) 3.000 (1.526) (1.411) (1.325) (1.140)
3.500 (1.994) (1.858) (1.752) (1.546) 3.500 (1.761) (1.625) (1.520) (1.314) 2.990 (1.529) (1.414) (1.329) (1.144)
3.375 (1.529) (1.393) (1.287) (1.081) 3.375 (1.343) (1.207) (1.101) (0.895) 2.875 (1.192) (1.077) (0.992) (0.807)
3.250 (1.024) (0.888) (0.782) (0.576) 3.250 (0.842) (0.706) (0.600) (0.394) 2.750 (0.787) (0.672) (0.587) (0.402)
3.125 (0.377) (0.241) (0.135) 0.071 3.125 (0.196) (0.060) 0.046 0.252 2.625 (0.311) (0.196) (0.111) 0.074
3.000 0.386 0.522 0.628 0.833 3.000 0.587 0.723 0.829 1.035 2.500 (0.196) (0.067) 0.033 0.232
2.990 0.241 0.377 0.483 0.689 2.990 0.422 0.558 0.664 0.870 2.375 0.235 0.364 0.464 0.663
2.875 0.812 0.947 1.053 1.259 2.875 1.024 1.160 1.266 1.472 2.250 0.703 0.833 0.932 1.132
2.750 1.432 1.568 1.674 1.880 2.750 1.613 1.749 1.855 2.061 2.125 1.231 1.360 1.460 1.659
2.625 2.132 2.268 2.374 2.580 2.625 2.313 2.449 2.555 2.761 2.000 1.769 1.899 1.998 2.198
2.500 2.902 3.038 3.144 3.350 2.500 3.083 3.219 3.325 3.531 1.990 1.812 1.942 2.041 2.241
2.375 3.711 3.847 3.953 4.159 2.375 3.892 4.028 4.134 4.340 1.875 2.302 2.431 2.531 2.730
2.250 4.533 4.668 4.774 4.980 2.250 4.714 4.849 4.955 5.161 1.750 2.848 2.978 3.077 3.277
15 Day 30 Day 45 Day 60 Day
4.000 (2.468) (2.367) (2.296) (2.125)
3.990 (2.439) (2.338) (2.267) (2.096)
3.875 (2.213) (2.112) (2.041) (1.870)
3.750 (1.929) (1.828) (1.757) (1.585)
3.625 (1.659) (1.558) (1.487) (1.316)
3.500 (2.146) (2.060) (2.003) (1.846)
3.375 (1.912) (1.825) (1.768) (1.611)
3.250 (1.629) (1.542) (1.485) (1.328)
3.125 (1.319) (1.232) (1.175) (1.018)
3.000 (1.125) (1.010) (0.925) (0.740)
2.990 (1.146) (1.031) (0.945) (0.760)
2.875 (0.834) (0.719) (0.633) (0.448)
2.750 (0.496) (0.380) (0.295) (0.110)
2.625 (0.084) 0.031 0.116 0.301
2.500 0.187 0.316 0.416 0.615
2.375 0.558 0.687 0.787 0.986
2.250 0.979 1.108 1.208 1.407
2.125 1.491 1.621 1.720 1.919
2.000 1.964 2.094 2.193 2.393
1.990 2.007 2.137 2.236 2.436
1.875 2.497 2.626 2.726 2.925
1.750 3.043 3.173 3.272 3.472
Loan Level Price Adjustments
< 620 620 - 639 640 - 659 680 - 699 700 - 719 720 - 739 740 - 759 ≥ 760
NA 0.500 0.500 0.000 0.000 0.000 0.000 0.000
NA 1.500 1.250 0.500 0.500 0.250 0.250 0.250
NA 3.000 2.750 1.250 1.000 0.500 0.250 0.250
NA 3.000 3.000 1.750 1.250 0.750 0.500 0.500
NA 3.250 3.250 1.500 1.000 0.500 0.250 0.250
NA 3.250 2.750 1.250 1.000 0.500 0.250 0.250
NA 3.250 2.750 1.250 1.000 0.500 0.250 0.250
NA 3.500 2.750 1.500 1.500 1.000 0.750 0.750
NA 1.625 0.625 0.375 0.375 0.375 0.375 0.375
NA 2.625 1.625 1.125 1.000 1.000 0.625 0.625
NA 3.125 2.625 1.750 1.125 1.125 0.875 0.875
620 - 639 640 - 659 660 - 679 680 - 699 700 - 719 720 - 739 740 - 759 760-779 780-799 ≥ 800
1.000 0.950 0.950 0.650 0.300 0.200 0.120 0.110 0.100
1.300 1.300 1.300 1.000 0.700 0.500 0.500 0.500 0.500
1.230 1.230 1.230 0.700 0.490 0.250 0.250 0.250 0.250
2.630 2.630 2.630 1.750 1.330 1.190 1.190 1.190 1.190
≤ 85 0.490 0.440 0.420 0.380 0.220 0.170 0.110 0.110 0.110
85.01 - 90 1.250 1.010 0.890 0.750 0.500 0.390 0.280 0.280 0.280
90.01 - 95 1.530 1.270 1.120 1.000 0.570 0.440 0.350 0.350 0.350
95.01 - 97 1.820 1.600 1.420 1.240 0.760 0.620 0.380 0.380 0.380
≤ 85 0.580 0.510 0.480 0.390 0.360 0.360 0.360 0.360 0.360
85.01 - 90 1.810 1.650 1.510 1.150 0.850 0.680 0.520 0.470 0.470
90.01 - 95 4.090 3.690 3.350 2.550 1.760 1.390 0.950 0.840 0.810
95.01 - 97 6.290 5.720 5.260 3.920 2.650 2.060 1.390 1.310 1.300
≤ 85 1.430 1.340 1.210 0.900 0.670 0.570 0.470 0.470 0.470
85.01 - 90 3.840 3.510 3.310 2.400 1.640 1.340 0.940 0.830 0.790
90.01 - 95 5.080 4.580 4.210 3.180 2.170 1.740 1.240 1.030 0.960
95.01 - 97 6.550 5.980 5.520 4.110 2.770 2.170 1.510 1.330 1.310
LTV CLTV < 720 ≥ 720 Purchase FICO/Loan Size Adjustments
≤ 65 80.01 - 95 0.500 0.250 Loan Amount 620-639 640-659 660-679 680-699 700-719 720-739 740-759 760-779 780+
65.01-75 80.01 - 95 0.750 0.500 <$50k 1.000 1.000 1.000 0.850 0.850 0.600 0.600 0.600 0.500
75.01-95 90.01 - 95 1.000 0.750 $50k-$74.9k 0.000 0.000 0.000 -0.150 -0.150 -0.400 -0.400 -0.400 -0.500
75.01-90 76.01 - 90 1.000 0.750 $75k-$99.9k 0.000 0.000 0.000 -0.150 -0.150 -0.400 -0.400 -0.400 -0.500
≤ 95 95.01 - 97 1.500 1.500 $100k-$124.9k -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750
ALL ALL 0.375 0.375 $125k-$149.9k -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750
<= 75 2.125 $150k-$199.9k -0.500 -0.500 -0.500 -0.650 -0.650 -0.900 -0.900 -0.900 -1.000
LTV 75.01 - 80 3.375 $200k-$249.9k -0.500 -0.500 -0.500 -0.650 -0.650 -0.900 -0.900 -0.900 -1.000
> 80 4.125 $250k-$299.9k -0.700 -0.700 -0.700 -0.850 -0.850 -1.100 -1.100 -1.100 -1.200
Purch - R/T Refi. 0.250 $300k-$399.9k -0.700 -0.700 -0.700 -0.850 -0.850 -1.100 -1.100 -1.100 -1.200
C/O Refi. 1.000 $400k-$499.9k -0.700 -0.700 -0.700 -0.850 -0.850 -1.100 -1.100 -1.100 -1.200
2-4 Units 1.000 $500k-Conf Limit -0.700 -0.700 -0.700 -0.850 -0.850 -1.100 -1.100 -1.100 -1.200
Manufactured Home 1.000 High Balance -0.500 -0.500 -0.500 -0.650 -0.650 -0.900 -0.900 -0.900 -1.000
Attached Condo>75 LTV(>15yr Term) 0.750
Escrow Waiver (Full or Taxes Only) 0.100 Refinance FICO/Loan Size Adjustments
Escrow Waiver (Insurance Only) 0.000 620-639 640-659 660-679 680-699 700-719 720-739 740-759 760-779 780+
Second Home > 85 0.250 <$50k 1.250 1.250 1.250 1.100 1.100 0.850 0.850 0.850 0.750
90 Day Lock (FRM Only) 0.500 $50k-$74.9k 0.250 0.250 0.250 0.100 0.100 -0.150 -0.150 -0.150 -0.250
RefiNow Adverse Market Refi (>$300K) 0.000 $75k-$99.9k 0.250 0.250 0.250 0.100 0.100 -0.150 -0.150 -0.150 -0.250
$100k-$124.9k 0.000 0.000 0.000 -0.150 -0.150 -0.400 -0.400 -0.400 -0.500
Loan Size Units Purchase/R&T Cash Out $125k-$149.9k 0.000 0.000 0.000 -0.150 -0.150 -0.400 -0.400 -0.400 -0.500
>$548,250<=$625,000 1 0.200 0.500 $150k-$199.9k -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750
>$702,000<=$800,250 2 0.200 0.500 $200k-$249.9k -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750
>$848,250<=$967,250 3 0.200 0.500 $250k-$299.9k -0.450 -0.450 -0.450 -0.600 -0.600 -0.850 -0.850 -0.850 -0.950
>$1,054,500<=$1,202,000 4 0.200 0.500 $300k-$399.9k -0.450 -0.450 -0.450 -0.600 -0.600 -0.850 -0.850 -0.850 -0.950
*Adjustments would apply in HI up to the conforming limits allowed in that state. $400k-$499.9k -0.450 -0.450 -0.450 -0.600 -0.600 -0.850 -0.850 -0.850 -0.950
No Lender Fee options are available through the pricing engine online. $500k-Conf Limit -0.450 -0.450 -0.450 -0.600 -0.600 -0.850 -0.850 -0.850 -0.950
High Balance -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750
Max YSP -6.000
Sub FinancingExcludes Community
Seconds®
Non Owner
Occupied
High Balance Adjustments
Misc Adjusters
Expanded
Conforming Loan
Amounts*
> 20 Yr Term
NA 0.770
NA 1.970
NA 2.570
NA 3.310
≤ 20 Yr Term
NA 0.360
NA 0.950
NA 2.020
NA 3.120
LTV Adjusters
DTI > 45
NA 0.300
NA 0.620
NA 0.720
NA 1.060
NA 1.000
2nd Home NA 0.700
Non Owner Occupied NA 1.750
1.125
75.01 - 80 1.875
< 620
Lender Paid MI
Adj.
Premium Adjusters
Rate & Term Refi NA 0.400
Manufactured Home
90.01 - 95 2.250
95.01 - 97 2.250
Cash-Out LTV≤ 60 0.625
60.01 - 75
2.250
75.01 - 80 2.750
80.01 - 85 2.750
85.01 - 90 2.250
Fannie Mae 10yr High Balance
660 - 679
All Fixed Conforming
(does not apply to terms ≤ 15yrs)LTV
≤ 60 0.000
60.01 - 70 1.000
70.01 - 75
Fannie Mae 15yr Fixed Fannie Mae 10yr Fixed Fannie Mae 30yr High Balance
Fannie Mae 25yr High Balance Fannie Mae 20yr High Balance Fannie Mae 15yr High Balance
Illinois Wholesale Rate Sheetas of 10/22/2021 8:56 AM
Fannie Mae - Conforming Fixed Rate Products
Fannie Mae 30yr Fixed Fannie Mae 25yr Fixed Fannie Mae 20yr Fixed
Page 3
15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day
5.000 (7.377) (7.340) (7.332) (7.225) 5.000 (7.357) (7.319) (7.312) (7.204)
4.990 (7.360) (7.322) (7.314) (7.207) 4.990 (7.332) (7.295) (7.287) (7.179)
4.875 (7.067) (7.029) (7.022) (6.914) 4.875 (7.067) (7.029) (7.022) (6.914)
4.750 (6.739) (6.702) (6.694) (6.587) 4.750 (6.739) (6.702) (6.694) (6.587)
4.625 (6.481) (6.421) (6.391) (6.260) 4.625 (6.459) (6.399) (6.369) (6.238)
4.500 (6.179) (6.119) (6.089) (5.958) 4.500 (6.168) (6.108) (6.078) (5.947) 4.375 (6.294) (6.234) (6.204) (6.074)
4.375 (5.825) (5.765) (5.734) (5.604) 4.375 (5.825) (5.765) (5.734) (5.604) 4.250 (5.927) (5.867) (5.836) (5.706)
4.250 (5.443) (5.382) (5.352) (5.222) 4.250 (5.443) (5.382) (5.352) (5.222) 4.125 (5.726) (5.620) (5.544) (5.369)
4.125 (5.189) (5.084) (5.008) (4.832) 4.125 (5.152) (5.047) (4.971) (4.795) 4.000 (5.441) (5.335) (5.259) (5.084)
4.000 (4.810) (4.705) (4.629) (4.454) 4.000 (4.773) (4.667) (4.592) (4.416) 3.990 (5.477) (5.372) (5.296) (5.120)
3.990 (4.840) (4.734) (4.658) (4.483) 3.990 (4.797) (4.691) (4.616) (4.440) 3.875 (5.083) (4.977) (4.902) (4.726)
3.875 (4.408) (4.302) (4.226) (4.051) 3.875 (4.376) (4.271) (4.195) (4.019) 3.750 (4.596) (4.490) (4.414) (4.239)
3.750 (3.920) (3.815) (3.739) (3.564) 3.750 (3.910) (3.805) (3.729) (3.553) 3.625 (4.414) (4.278) (4.172) (3.966)
3.625 (3.534) (3.398) (3.292) (3.086) 3.625 (3.489) (3.353) (3.247) (3.041) 3.500 (4.052) (3.917) (3.811) (3.605)
3.500 (3.079) (2.943) (2.837) (2.631) 3.500 (3.031) (2.895) (2.789) (2.584) 3.375 (3.593) (3.457) (3.351) (3.145)
3.375 (2.574) (2.438) (2.332) (2.126) 3.375 (2.539) (2.403) (2.297) (2.091) 3.250 (3.033) (2.897) (2.792) (2.586)
3.250 (2.014) (1.878) (1.773) (1.567) 3.250 (2.002) (1.866) (1.761) (1.555) 3.125 (2.947) (2.811) (2.705) (2.499)
3.125 (1.324) (1.188) (1.082) (0.876) 3.125 (1.324) (1.188) (1.082) (0.876) 3.000 (2.512) (2.377) (2.271) (2.065)
3.000 (0.570) (0.434) (0.328) (0.122) 3.000 (0.555) (0.419) (0.313) (0.107) 2.990 (2.528) (2.392) (2.286) (2.080)
2.990 (0.578) (0.442) (0.336) (0.130) 2.990 (0.523) (0.387) (0.281) (0.075) 2.875 (1.978) (1.842) (1.736) (1.530)
2.875 0.010 0.146 0.252 0.458 2.875 0.051 0.187 0.293 0.498 2.750 (1.308) (1.172) (1.067) (0.861)
2.750 0.679 0.815 0.921 1.127 2.750 0.693 0.829 0.935 1.141 2.625 (0.535) (0.399) (0.293) (0.087)
2.625 1.487 1.623 1.729 1.935 2.625 1.478 1.613 1.719 1.925 2.500 0.254 0.388 0.471 0.654
2.500 2.373 2.509 2.615 2.821 2.500 2.345 2.480 2.586 2.792 2.375 0.901 1.014 1.097 1.280
2.375 3.107 3.221 3.304 3.487 2.375 3.154 3.267 3.350 3.533 2.250 1.679 1.792 1.875 2.058
2.250 3.885 3.998 4.082 4.265 2.250 3.901 4.014 4.097 4.280
15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day
4.000 (5.499) (5.398) (5.327) (5.156) 4.000 (6.179) (6.078) (6.007) (5.836) 4.625 (4.353) (4.293) (4.263) (4.132)
3.990 (5.461) (5.360) (5.289) (5.118) 3.990 (6.120) (6.019) (5.947) (5.776) 4.500 (4.054) (3.994) (3.964) (3.834)
3.875 (5.166) (5.065) (4.994) (4.823) 3.875 (5.924) (5.823) (5.752) (5.581) 4.375 (3.708) (3.647) (3.617) (3.487)
3.750 (4.777) (4.676) (4.605) (4.433) 3.750 (5.551) (5.450) (5.379) (5.208) 4.250 (3.323) (3.263) (3.232) (3.102)
3.625 (4.362) (4.261) (4.190) (4.019) 3.625 (5.057) (4.955) (4.884) (4.713) 4.125 (3.132) (3.026) (2.951) (2.775)
3.500 (4.683) (4.596) (4.539) (4.383) 3.500 (4.983) (4.896) (4.839) (4.682) 4.000 (2.767) (2.661) (2.585) (2.410)
3.375 (4.356) (4.270) (4.213) (4.056) 3.375 (4.777) (4.691) (4.634) (4.477) 3.990 (2.760) (2.655) (2.579) (2.404)
3.250 (3.978) (3.891) (3.834) (3.677) 3.250 (4.424) (4.337) (4.281) (4.124) 3.875 (2.367) (2.261) (2.186) (2.010)
3.125 (3.549) (3.462) (3.405) (3.248) 3.125 (3.938) (3.851) (3.794) (3.637) 3.750 (1.933) (1.827) (1.752) (1.576)
3.000 (3.339) (3.224) (3.139) (2.953) 3.000 (3.426) (3.339) (3.282) (3.126) 3.625 (2.422) (2.286) (2.180) (1.974)
2.990 (3.291) (3.176) (3.090) (2.905) 2.990 (3.386) (3.299) (3.242) (3.085) 3.500 (1.994) (1.858) (1.752) (1.546)
2.875 (2.911) (2.796) (2.711) (2.526) 2.875 (3.087) (2.972) (2.887) (2.702) 3.375 (1.529) (1.393) (1.287) (1.081)
2.750 (2.514) (2.399) (2.314) (2.129) 2.750 (2.714) (2.598) (2.513) (2.328) 3.250 (1.024) (0.888) (0.782) (0.576)
2.625 (2.025) (1.910) (1.825) (1.640) 2.625 (2.236) (2.121) (2.035) (1.850) 3.125 (0.377) (0.241) (0.135) 0.071
2.500 (1.515) (1.400) (1.315) (1.130) 2.500 (2.127) (1.998) (1.898) (1.699) 3.000 0.386 0.522 0.628 0.833
2.375 (0.973) (0.853) (0.768) (0.582) 2.375 (1.766) (1.637) (1.537) (1.338) 2.990 0.241 0.377 0.483 0.689
2.250 (0.501) (0.371) (0.272) (0.072) 2.250 (1.351) (1.222) (1.122) (0.923) 2.875 0.812 0.947 1.053 1.259
2.125 (0.010) 0.119 0.218 0.418 2.125 (0.869) (0.740) (0.640) (0.441) 2.750 1.432 1.568 1.674 1.880
2.000 0.549 0.678 0.778 0.977 2.000 (0.384) (0.254) (0.155) 0.044 2.625 2.132 2.268 2.374 2.580
1.990 0.603 0.732 0.832 1.031 1.990 (0.344) (0.214) (0.115) 0.084 2.500 2.902 3.038 3.144 3.350
1.875 1.166 1.296 1.395 1.594 1.875 0.074 0.204 0.303 0.503 2.375 3.711 3.847 3.953 4.159
1.750 1.799 1.928 2.028 2.227 1.750 0.541 0.670 0.770 0.969 2.250 4.533 4.668 4.774 4.980
15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day
4.625 (4.353) (4.293) (4.263) (4.132) 4.000 (2.864) (2.763) (2.692) (2.521)
4.500 (4.054) (3.994) (3.964) (3.834) 3.990 (2.833) (2.732) (2.661) (2.490)
4.375 (3.708) (3.647) (3.617) (3.487) 4.375 (3.527) (3.466) (3.436) (3.306) 3.875 (2.587) (2.486) (2.415) (2.244)
4.250 (3.323) (3.263) (3.232) (3.102) 4.250 (3.142) (3.082) (3.051) (2.921) 3.750 (2.283) (2.182) (2.111) (1.940)
4.125 (3.132) (3.026) (2.951) (2.775) 4.125 (2.812) (2.707) (2.631) (2.495) 3.625 (1.906) (1.805) (1.734) (1.563)
4.000 (2.767) (2.661) (2.585) (2.410) 4.000 (2.541) (2.435) (2.359) (2.184) 3.500 (2.559) (2.472) (2.415) (2.258)
3.990 (2.760) (2.655) (2.579) (2.404) 3.990 (2.542) (2.436) (2.361) (2.185) 3.375 (2.324) (2.237) (2.180) (2.024)
3.875 (2.367) (2.261) (2.186) (2.010) 3.875 (2.186) (2.080) (2.005) (1.829) 3.250 (1.989) (1.902) (1.846) (1.689)
3.750 (1.933) (1.827) (1.752) (1.576) 3.750 (1.752) (1.646) (1.571) (1.395) 3.125 (1.567) (1.480) (1.423) (1.266)
3.625 (2.422) (2.286) (2.180) (1.974) 3.625 (2.102) (1.966) (1.860) (1.654) 3.000 (1.526) (1.411) (1.325) (1.140)
3.500 (1.994) (1.858) (1.752) (1.546) 3.500 (1.761) (1.625) (1.520) (1.314) 2.990 (1.529) (1.414) (1.329) (1.144)
3.375 (1.529) (1.393) (1.287) (1.081) 3.375 (1.343) (1.207) (1.101) (0.895) 2.875 (1.192) (1.077) (0.992) (0.807)
3.250 (1.024) (0.888) (0.782) (0.576) 3.250 (0.842) (0.706) (0.600) (0.394) 2.750 (0.787) (0.672) (0.587) (0.402)
3.125 (0.377) (0.241) (0.135) 0.071 3.125 (0.196) (0.060) 0.046 0.252 2.625 (0.311) (0.196) (0.111) 0.074
3.000 0.386 0.522 0.628 0.833 3.000 0.587 0.723 0.829 1.035 2.500 (0.196) (0.067) 0.033 0.232
2.990 0.241 0.377 0.483 0.689 2.990 0.422 0.558 0.664 0.870 2.375 0.235 0.364 0.464 0.663
2.875 0.812 0.947 1.053 1.259 2.875 1.024 1.160 1.266 1.472 2.250 0.703 0.833 0.932 1.132
2.750 1.432 1.568 1.674 1.880 2.750 1.613 1.749 1.855 2.061 2.125 1.231 1.360 1.460 1.659
2.625 2.132 2.268 2.374 2.580 2.625 2.313 2.449 2.555 2.761 2.000 1.769 1.899 1.998 2.198
2.500 2.902 3.038 3.144 3.350 2.500 3.083 3.219 3.325 3.531 1.990 1.812 1.942 2.041 2.241
2.375 3.711 3.847 3.953 4.159 2.375 3.892 4.028 4.134 4.340 1.875 2.302 2.431 2.531 2.730
2.250 4.533 4.668 4.774 4.980 2.250 4.714 4.849 4.955 5.161 1.750 2.848 2.978 3.077 3.277
15 Day 30 Day 45 Day 60 Day
4.000 (2.468) (2.367) (2.296) (2.125)
3.990 (2.439) (2.338) (2.267) (2.096)
3.875 (2.213) (2.112) (2.041) (1.870)
3.750 (1.929) (1.828) (1.757) (1.585)
3.625 (1.659) (1.558) (1.487) (1.316)
3.500 (2.146) (2.060) (2.003) (1.846)
3.375 (1.912) (1.825) (1.768) (1.611)
3.250 (1.629) (1.542) (1.485) (1.328)
3.125 (1.319) (1.232) (1.175) (1.018)
3.000 (1.125) (1.010) (0.925) (0.740)
2.990 (1.146) (1.031) (0.945) (0.760)
2.875 (0.834) (0.719) (0.633) (0.448)
2.750 (0.496) (0.380) (0.295) (0.110)
2.625 (0.084) 0.031 0.116 0.301
2.500 0.187 0.316 0.416 0.615
2.375 0.558 0.687 0.787 0.986
2.250 0.979 1.108 1.208 1.407
2.125 1.491 1.621 1.720 1.919
2.000 1.964 2.094 2.193 2.393
1.990 2.007 2.137 2.236 2.436
1.875 2.497 2.626 2.726 2.925
1.750 3.043 3.173 3.272 3.472
< 620 620 - 639 640 - 659 680 - 699 700 - 719 720 - 739 740 - 759 ≥ 760
NA 0.500 0.50 0.000 0.000 0.000 0.000 0.000
NA 1.500 1.25 0.500 0.500 0.250 0.250 0.250
NA 3.000 2.75 1.250 1.000 0.500 0.250 0.250
NA 3.000 3.00 1.750 1.250 0.750 0.500 0.500
NA 3.250 3.25 1.500 1.000 0.500 0.250 0.250
NA 3.250 2.75 1.250 1.000 0.500 0.250 0.250
NA 3.250 2.75 1.250 1.000 0.500 0.250 0.250
NA 3.500 2.75 1.500 1.500 1.000 0.750 0.750
NA 1.625 0.625 0.375 0.375 0.375 0.375 0.375
NA 2.625 1.625 1.125 1.000 1.000 0.625 0.625
NA 3.125 2.625 1.750 1.125 1.125 0.875 0.875
NA NA NA NA NA NA NA NA
620 - 639 640 - 659 660 - 679 680 - 699 700 - 719 720 - 739 740 - 759 760-779 780-799 ≥ 800
1.000 0.950 0.950 0.650 0.300 0.200 0.120 0.110 0.100
1.300 1.300 1.300 1.000 0.700 0.500 0.500 0.500 0.500
1.230 1.230 1.230 0.700 0.490 0.250 0.250 0.250 0.250
2.630 2.630 2.630 1.750 1.330 1.190 1.190 1.190 1.190
≤ 85 0.490 0.440 0.420 0.380 0.220 0.170 0.110 0.110 0.110
85.01 - 90 1.250 1.010 0.890 0.750 0.500 0.390 0.280 0.280 0.280
90.01 - 95 1.530 1.270 1.120 1.000 0.570 0.440 0.350 0.350 0.350
95.01 - 97 1.820 1.600 1.420 1.240 0.760 0.620 0.380 0.380 0.380
≤ 85 0.580 0.510 0.480 0.390 0.360 0.360 0.360 0.360 0.360
85.01 - 90 1.810 1.650 1.510 1.150 0.850 0.680 0.520 0.470 0.470
90.01 - 95 4.090 3.690 3.350 2.550 1.760 1.390 0.950 0.840 0.810
95.01 - 97 6.290 5.720 5.260 3.920 2.650 2.060 1.390 1.310 1.300
≤ 85 1.430 1.340 1.210 0.900 0.670 0.570 0.470 0.470 0.470
85.01 - 90 3.840 3.510 3.310 2.400 1.640 1.340 0.940 0.830 0.790
90.01 - 95 5.080 4.580 4.210 3.180 2.170 1.740 1.240 1.030 0.960
95.01 - 97 6.550 5.980 5.520 4.110 2.770 2.170 1.510 1.330 1.310
LTV ≤ 80 80.01 - 85 > 85 Purchase FICO/Loan Size Adjustments
2 Units 1.000 1.000 1.000 Loan Amount 620-639 640-659 660-679 680-699 700-719 720-739 740-759 760-779 780+
3-4 units 1.000 1.500 2.000 <$50k 1.000 1.000 1.000 0.850 0.850 0.600 0.600 0.600 0.500
LTV CLTV < 720 ≥ 720 $50k-$74.9k 0.000 0.000 0.000 -0.150 -0.150 -0.400 -0.400 -0.400 -0.500
≤ 75 ≤ 80 0.375 0.375 $75k-$99.9k 0.000 0.000 0.000 -0.150 -0.150 -0.400 -0.400 -0.400 -0.500
≤ 65 80.01 - 95 0.875 0.625 $100k-$124.9k -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750
65.01-75 80.01 - 95 1.125 0.875 $125k-$149.9k -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750
75.01-95 76.01-95 1.375 1.125 $150k-$199.9k -0.500 -0.500 -0.500 -0.650 -0.650 -0.900 -0.900 -0.900 -1.000
<= 75 2.125 $200k-$249.9k -0.500 -0.500 -0.500 -0.650 -0.650 -0.900 -0.900 -0.900 -1.000
LTV 75.01 - 80 3.375 $250k-$299.9k -0.700 -0.700 -0.700 -0.850 -0.850 -1.100 -1.100 -1.100 -1.200
> 80 4.125 $300k-$399.9k -0.700 -0.700 -0.700 -0.850 -0.850 -1.100 -1.100 -1.100 -1.200
Purch - R/T Refi 0.250 $400k-$499.9k -0.700 -0.700 -0.700 -0.850 -0.850 -1.100 -1.100 -1.100 -1.200
C/O Refi 1.000 $500k-Conf Limit -0.700 -0.700 -0.700 -0.850 -0.850 -1.100 -1.100 -1.100 -1.200
Attached Condo > 75 LTV (>15yr Term) 0.750 High Balance -0.500 -0.500 -0.500 -0.650 -0.650 -0.900 -0.900 -0.900 -1.000
Escrow Waiver (Full or Taxes Only) 0.100
Escrow Waiver (Insurance Only) 0.000 Refinance FICO/Loan Size Adjustments
Manufactured Home (High Bal Excluded) 1.000 620-639 640-659 660-679 680-699 700-719 720-739 740-759 760-779 780+
Second Home > 85 LTV 0.250 <$50k 1.250 1.250 1.250 1.100 1.100 0.850 0.850 0.850 0.750
90 Day Lock (FRM Only) 0.500 $50k-$74.9k 0.250 0.250 0.250 0.100 0.100 -0.150 -0.150 -0.150 -0.250
Refi Possible 0.000 $75k-$99.9k 0.250 0.250 0.250 0.100 0.100 -0.150 -0.150 -0.150 -0.250
$100k-$124.9k 0.000 0.000 0.000 -0.150 -0.150 -0.400 -0.400 -0.400 -0.500
Loan Size Units Purchase/R&T Cash Out $125k-$149.9k 0.000 0.000 0.000 -0.150 -0.150 -0.400 -0.400 -0.400 -0.500
>$548,250<=$625,000 1 0.200 0.500 $150k-$199.9k -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750
>$702,000<=$800,250 2 0.200 0.500 $200k-$249.9k -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750
>$848,250<=$967,250 3 0.200 0.500 $250k-$299.9k -0.450 -0.450 -0.450 -0.600 -0.600 -0.850 -0.850 -0.850 -0.950
>$1,054,500<=$1,202,000 4 0.200 0.500 $300k-$399.9k -0.450 -0.450 -0.450 -0.600 -0.600 -0.850 -0.850 -0.850 -0.950
*Adjustments would apply in HI up to the conforming limits allowed in that state. $400k-$499.9k -0.450 -0.450 -0.450 -0.600 -0.600 -0.850 -0.850 -0.850 -0.950
No Lender Fee options are available through the pricing engine online. $500k-Conf Limit -0.450 -0.450 -0.450 -0.600 -0.600 -0.850 -0.850 -0.850 -0.950
High Balance -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750
Max YSP -6.000
Super Conforming Adjustments
Misc Adjusters
Expanded Conforming
Loan Amounts*
2.570
NA 3.310
Number Of Units
Subordinate Financing
Non Owner Occupied
NA 2.020
NA 3.120
> 20 Yr Term
NA 0.770
NA 1.970
NA
0.620
NA 0.720
NA 1.060
≤ 20 Yr Term
NA 0.360
NA 0.950
NA 0.700
Non Owner Occupied NA 1.750
LTV Adjusters
DTI > 45
NA 0.300
NA
< 620
Lender Paid MI
Adj.
Premium Adjusters
Rate & Term Refi NA 0.400
Manufactured Home NA 1.000
2nd Home
Cash-Out LTV
≤ 60 0.625
60.01 - 75 1.125
75.01 - 80 1.875
80.01 - 85 NA
85.01 - 90 2.250
90.01 - 95 2.250
95.01 - 97 2.250
70.01 - 75 2.250
75.01 - 80 2.750
80.01 - 85 2.750
Freddie Mac 10yr Super Conforming
Loan Level Price Adjustments
660 - 679
All Fixed Conforming
(does not apply to terms <=15yrs)LTV
≤ 60 0.000
60.01 - 70 1.000
Freddie Mac 15yr Fixed Freddie Mac 10yr Fixed Freddie Mac 30yr Super Conforming
Freddie Mac 25yr Super Conforming Freddie Mac 20yr Super Conforming Freddie Mac 15yr Super Conforming
Illinois Wholesale Rate Sheetas of 10/22/2021 8:56 AM
Freddie Mac - Conforming Fixed Rate Products
Freddie Mac 30yr Fixed Freddie Mac 25yr Fixed Freddie Mac 20yr Fixed
Page 4
15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day
5.000 (7.377) (7.340) (7.332) (7.225) 5.000 (7.357) (7.319) (7.312) (7.204)
4.990 (7.360) (7.322) (7.314) (7.207) 4.990 (7.332) (7.295) (7.287) (7.179)
4.875 (7.067) (7.029) (7.022) (6.914) 4.875 (7.067) (7.029) (7.022) (6.914)
4.750 (6.739) (6.702) (6.694) (6.587) 4.750 (6.739) (6.702) (6.694) (6.587)
4.625 (6.481) (6.421) (6.391) (6.260) 4.625 (6.459) (6.399) (6.369) (6.238)
4.500 (6.179) (6.119) (6.089) (5.958) 4.500 (6.168) (6.108) (6.078) (5.947) 4.375 (6.294) (6.234) (6.204) (6.074)
4.375 (5.825) (5.765) (5.734) (5.604) 4.375 (5.825) (5.765) (5.734) (5.604) 4.250 (5.927) (5.867) (5.836) (5.706)
4.250 (5.443) (5.382) (5.352) (5.222) 4.250 (5.443) (5.382) (5.352) (5.222) 4.125 (5.726) (5.620) (5.544) (5.369)
4.125 (5.189) (5.084) (5.008) (4.832) 4.125 (5.152) (5.047) (4.971) (4.795) 4.000 (5.441) (5.335) (5.259) (5.084)
4.000 (4.810) (4.705) (4.629) (4.454) 4.000 (4.773) (4.667) (4.592) (4.416) 3.990 (5.477) (5.372) (5.296) (5.120)
3.990 (4.840) (4.734) (4.658) (4.483) 3.990 (4.797) (4.691) (4.616) (4.440) 3.875 (5.083) (4.977) (4.902) (4.726)
3.875 (4.408) (4.302) (4.226) (4.051) 3.875 (4.376) (4.271) (4.195) (4.019) 3.750 (4.596) (4.490) (4.414) (4.239)
3.750 (3.920) (3.815) (3.739) (3.564) 3.750 (3.910) (3.805) (3.729) (3.553) 3.625 (4.414) (4.278) (4.172) (3.966)
3.625 (3.534) (3.398) (3.292) (3.086) 3.625 (3.489) (3.353) (3.247) (3.041) 3.500 (4.052) (3.917) (3.811) (3.605)
3.500 (3.079) (2.943) (2.837) (2.631) 3.500 (3.031) (2.895) (2.789) (2.584) 3.375 (3.593) (3.457) (3.351) (3.145)
3.375 (2.574) (2.438) (2.332) (2.126) 3.375 (2.539) (2.403) (2.297) (2.091) 3.250 (3.033) (2.897) (2.792) (2.586)
3.250 (2.014) (1.878) (1.773) (1.567) 3.250 (2.002) (1.866) (1.761) (1.555) 3.125 (2.947) (2.811) (2.705) (2.499)
3.125 (1.324) (1.188) (1.082) (0.876) 3.125 (1.324) (1.188) (1.082) (0.876) 3.000 (2.512) (2.377) (2.271) (2.065)
3.000 (0.570) (0.434) (0.328) (0.122) 3.000 (0.555) (0.419) (0.313) (0.107) 2.990 (2.528) (2.392) (2.286) (2.080)
2.990 (0.578) (0.442) (0.336) (0.130) 2.990 (0.523) (0.387) (0.281) (0.075) 2.875 (1.978) (1.842) (1.736) (1.530)
2.875 0.010 0.146 0.252 0.458 2.875 0.051 0.187 0.293 0.498 2.750 (1.308) (1.172) (1.067) (0.861)
2.750 0.679 0.815 0.921 1.127 2.750 0.693 0.829 0.935 1.141 2.625 (0.535) (0.399) (0.293) (0.087)
2.625 1.487 1.623 1.729 1.935 2.625 1.478 1.613 1.719 1.925 2.500 0.254 0.388 0.471 0.654
2.500 2.373 2.509 2.615 2.821 2.500 2.345 2.480 2.586 2.792 2.375 0.901 1.014 1.097 1.280
2.375 3.107 3.221 3.304 3.487 2.375 3.154 3.267 3.350 3.533 2.250 1.679 1.792 1.875 2.058
2.250 3.885 3.998 4.082 4.265 2.250 3.901 4.014 4.097 4.280
15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day
4.000 (5.499) (5.398) (5.327) (5.156) 4.000 (6.179) (6.078) (6.007) (5.836)
3.990 (5.461) (5.360) (5.289) (5.118) 3.990 (6.120) (6.019) (5.947) (5.776)
3.875 (5.166) (5.065) (4.994) (4.823) 3.875 (5.924) (5.823) (5.752) (5.581)
3.750 (4.777) (4.676) (4.605) (4.433) 3.750 (5.551) (5.450) (5.379) (5.208)
3.625 (4.362) (4.261) (4.190) (4.019) 3.625 (5.057) (4.955) (4.884) (4.713)
3.500 (4.683) (4.596) (4.539) (4.383) 3.500 (4.983) (4.896) (4.839) (4.682)
3.375 (4.356) (4.270) (4.213) (4.056) 3.375 (4.777) (4.691) (4.634) (4.477)
3.250 (3.978) (3.891) (3.834) (3.677) 3.250 (4.424) (4.337) (4.281) (4.124)
3.125 (3.549) (3.462) (3.405) (3.248) 3.125 (3.938) (3.851) (3.794) (3.637)
3.000 (3.339) (3.224) (3.139) (2.953) 3.000 (3.426) (3.339) (3.282) (3.126)
2.990 (3.291) (3.176) (3.090) (2.905) 2.990 (3.386) (3.299) (3.242) (3.085)
2.875 (2.911) (2.796) (2.711) (2.526) 2.875 (3.087) (2.972) (2.887) (2.702)
2.750 (2.514) (2.399) (2.314) (2.129) 2.750 (2.714) (2.598) (2.513) (2.328)
2.625 (2.025) (1.910) (1.825) (1.640) 2.625 (2.236) (2.121) (2.035) (1.850)
2.500 (1.515) (1.400) (1.315) (1.130) 2.500 (2.127) (1.998) (1.898) (1.699)
2.375 (0.973) (0.853) (0.768) (0.582) 2.375 (1.766) (1.637) (1.537) (1.338)
2.250 (0.501) (0.371) (0.272) (0.072) 2.250 (1.351) (1.222) (1.122) (0.923)
2.125 (0.010) 0.119 0.218 0.418 2.125 (0.869) (0.740) (0.640) (0.441)
2.000 0.549 0.678 0.778 0.977 2.000 (0.384) (0.254) (0.155) 0.044
1.990 0.603 0.732 0.832 1.031 1.990 (0.344) (0.214) (0.115) 0.084
1.875 1.166 1.296 1.395 1.594 1.875 0.074 0.204 0.303 0.503
1.750 1.799 1.928 2.028 2.227 1.750 0.541 0.670 0.770 0.969
15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day
3.250 (0.873) (0.783) (0.723) (0.564) 3.375 (0.618) (0.528) (0.469) (0.309) 3.500 (0.662) (0.574) (0.515) (0.357)
3.125 (0.734) (0.644) (0.585) (0.425) 3.250 (0.488) (0.398) (0.339) (0.179) 3.375 (0.430) (0.341) (0.283) (0.125)
3.000 (0.564) (0.474) (0.414) (0.254) 3.125 (0.358) (0.269) (0.209) (0.049) 3.250 (0.197) (0.109) (0.050) 0.108
2.990 (0.534) (0.444) (0.384) (0.224) 3.000 (0.266) (0.176) (0.116) 0.044 3.125 0.036 0.124 0.182 0.341
2.875 (0.425) (0.335) (0.275) (0.115) 2.990 (0.236) (0.146) (0.086) 0.074 3.000 0.269 0.357 0.415 0.574
2.750 (0.286) (0.196) (0.136) 0.024 2.875 (0.136) (0.046) 0.014 0.174 2.990 0.299 0.387 0.445 0.604
2.625 (0.147) (0.057) 0.003 0.163 2.750 (0.006) 0.084 0.144 0.304 2.875 0.502 0.590 0.648 0.807
2.500 (0.008) 0.082 0.142 0.302 2.625 0.087 0.177 0.237 0.397 2.750 0.735 0.824 0.882 1.040
2.375 0.131 0.221 0.281 0.441 2.500 0.217 0.307 0.367 0.527 2.625 0.969 1.057 1.115 1.274
2.250 0.270 0.360 0.420 0.580 2.375 0.347 0.437 0.497 0.657 2.500 1.203 1.291 1.349 1.507
2.125 0.409 0.499 0.559 0.719 2.250 0.477 0.567 0.627 0.787 2.375 1.436 1.525 1.583 1.741
< 620 620 - 639 640 - 659 680 - 699 700 - 719 720 - 739 740 - 759 ≥ 760
NA 0.500 0.500 0.000 0.000 0.000 0.000 0.000
NA 1.500 1.250 0.500 0.500 0.250 0.250 0.250
NA 3.000 2.750 1.250 1.000 0.500 0.250 0.250
NA 3.000 3.000 1.750 1.250 0.750 0.500 0.500
NA 3.250 3.250 1.500 1.000 0.500 0.250 0.250
NA 3.250 2.750 1.250 1.000 0.500 0.250 0.250
NA 3.250 2.750 1.250 1.000 0.500 0.250 0.250
NA 3.500 2.750 1.500 1.500 1.000 0.750 0.750
NA NA NA NA NA NA NA NA
NA NA NA NA NA NA NA NA
NA NA NA NA NA NA NA NA
620 - 639 640 - 659 660 - 679 680 - 699 700 - 719 720 - 739 740 - 759 760-779 780-799 ≥ 800
1.000 0.950 0.950 0.650 0.300 0.200 0.120 0.110 0.100
1.300 1.300 1.300 1.000 0.700 0.500 0.500 0.500 0.500
≤ 85 0.490 0.440 0.420 0.380 0.220 0.170 0.110 0.110 0.110
85.01 - 90 1.250 1.010 0.890 0.750 0.500 0.390 0.280 0.280 0.280
90.01 - 95 1.530 1.270 1.120 1.000 0.570 0.440 0.350 0.350 0.350
95.01 - 97 1.820 1.600 1.420 1.240 0.760 0.620 0.380 0.380 0.380
≤ 85 0.580 0.510 0.480 0.390 0.360 0.360 0.360 0.360 0.360
85.01 - 90 1.810 1.650 1.510 1.150 0.850 0.680 0.520 0.470 0.470
90.01 - 95 4.090 3.690 3.350 2.550 1.760 1.390 0.950 0.840 0.810
95.01 - 97 4.720 4.260 3.850 2.890 1.980 1.550 1.050 1.050 1.050
≤ 85 1.430 1.340 1.210 0.900 0.670 0.570 0.470 0.470 0.470
85.01 - 90 3.840 3.510 3.310 2.400 1.640 1.340 0.940 0.830 0.790
90.01 - 95 4.340 3.940 3.610 2.740 1.870 1.510 1.070 0.900 0.840
95.01 - 97 4.980 4.510 4.110 3.070 2.100 1.670 1.170 1.110 1.080
LTV CLTV < 720 ≥ 720 Purchase FICO/Loan Size Adjustments - Applied after Cap
≤ 65 80.01 - 95 0.500 0.250 Loan Amount 620-639 640-659 660-679 680-699 700-719 720-739 740-759 760-779 780+
65.01-75 80.01 - 95 0.750 0.500 <$50k 1.000 1.000 1.000 0.850 0.850 0.600 0.600 0.600 0.500
75.01-95 90.01 - 95 1.000 0.750 $50k-$74.9k 0.000 0.000 0.000 -0.150 -0.150 -0.400 -0.400 -0.400 -0.500
75.01-90 76.01 - 90 1.000 0.750 $75k-$99.9k 0.000 0.000 0.000 -0.150 -0.150 -0.400 -0.400 -0.400 -0.500
≤ 95 95.01 - 97 1.500 1.500 $100k-$124.9k -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750
ALL ALL 0.375 0.375 $125k-$149.9k -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750
2-4 Units 1.000 $150k-$199.9k -0.500 -0.500 -0.500 -0.650 -0.650 -0.900 -0.900 -0.900 -1.000
Attached Condo > 75 LTV (>15yr Term) 0.750 $200k-$249.9k -0.500 -0.500 -0.500 -0.650 -0.650 -0.900 -0.900 -0.900 -1.000
Manufactured Home 0.500 $250k-$299.9k -0.700 -0.700 -0.700 -0.850 -0.850 -1.100 -1.100 -1.100 -1.200
$300k-$399.9k -0.700 -0.700 -0.700 -0.850 -0.850 -1.100 -1.100 -1.100 -1.200
Adjustments Applied after Cap $400k-$499.9k -0.700 -0.700 -0.700 -0.850 -0.850 -1.100 -1.100 -1.100 -1.200
Escrow Waiver (Full or Taxes Only) 0.100 $500k-Conf Limit -0.700 -0.700 -0.700 -0.850 -0.850 -1.100 -1.100 -1.100 -1.200
Manufactured Home 0.500 High Balance -0.500 -0.500 -0.500 -0.650 -0.650 -0.900 -0.900 -0.900 -1.000
FICO LTV Refinance FICO/Loan Size Adjustments - Applied after Cap
0.000 ≥ 680 > 80% 620-639 640-659 660-679 680-699 700-719 720-739 740-759 760-779 780+
Adjustment Caps 1.500 < 680 > 80% <$50k 1.250 1.250 1.250 1.100 1.100 0.850 0.850 0.850 0.750
1.500 All ≤ 80% $50k-$74.9k 0.250 0.250 0.250 0.100 0.100 -0.150 -0.150 -0.150 -0.250
$75k-$99.9k 0.250 0.250 0.250 0.100 0.100 -0.150 -0.150 -0.150 -0.250
$100k-$124.9k 0.000 0.000 0.000 -0.150 -0.150 -0.400 -0.400 -0.400 -0.500
$125k-$149.9k 0.000 0.000 0.000 -0.150 -0.150 -0.400 -0.400 -0.400 -0.500
*Some adjustment details may not appear when pricing through the portal, $150k-$199.9k -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750
however the final price will match the rate sheet. $200k-$249.9k -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750
$250k-$299.9k -0.450 -0.450 -0.450 -0.600 -0.600 -0.850 -0.850 -0.850 -0.950
No Lender Fee options are available through the pricing engine online. $300k-$399.9k -0.450 -0.450 -0.450 -0.600 -0.600 -0.850 -0.850 -0.850 -0.950
$400k-$499.9k -0.450 -0.450 -0.450 -0.600 -0.600 -0.850 -0.850 -0.850 -0.950
Max YSP -6.000 $500k-Conf Limit -0.450 -0.450 -0.450 -0.600 -0.600 -0.850 -0.850 -0.850 -0.950
High Balance -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750
2.470
Subordinate
Financing
Excludes
Community
Seconds®
Misc Adjusters
NA 2.290
> 20 Yr Term
NA 0.770
NA 1.970
NA 2.210
NA
0.720
NA 1.060
≤ 20 Yr Term
NA 0.360
NA 0.950
NA 2.020
Manufactured Home NA 1.000
LTV Adjusters
DTI > 45
NA 0.300
NA 0.620
NA
NA
75.01 - 80 NA
LPMI Adjustments Applied after Cap
< 620
Lender Paid MI
Adj.
Premium
Adjusters
Rate & Term Refi NA 0.400
90.01 - 95 2.250
95.01 - 97 2.250
Cash-Out LTV
≤ 60 NA
60.01 - 75
75.01 - 80 2.750
80.01 - 85 2.750
85.01 - 90 2.250
660 - 679
All Fixed Conforming (does not
apply to terms ≤ 15yrs)LTV
≤ 60 0.000
60.01 - 70 1.000
70.01 - 75 2.250
FNMA HomeReady™ 15 Yr Fixed FNMA HomeReady™ 10 Yr Fixed
FNMA HomeReady™ 5/6 SOFR ARM (2/1/5) FNMA HomeReady™ 7/6 SOFR ARM (5/1/5) FNMA HomeReady™ 10/6 SOFR ARM (5/1/5)
Loan Level Price Adjustments
Illinois Wholesale Rate Sheetas of 10/22/2021 8:56 AM
FNMA - HomeReady™ Products
FNMA HomeReady™ 30 Yr Fixed FNMA HomeReady™ 25 Yr Fixed FNMA HomeReady™ 20 Yr Fixed
Page 5
15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day
4.625 (4.353) (4.293) (4.263) (4.132)
4.625 (4.353) (4.293) (4.263) (4.132) 4.500 (4.054) (3.994) (3.964) (3.834)
4.500 (4.054) (3.994) (3.964) (3.834) 4.375 (3.708) (3.647) (3.617) (3.487) 4.375 (3.527) (3.466) (3.436) (3.306)
4.375 (3.708) (3.647) (3.617) (3.487) 4.250 (3.323) (3.263) (3.232) (3.102) 4.250 (3.142) (3.082) (3.051) (2.921)
4.250 (3.323) (3.263) (3.232) (3.102) 4.125 (3.132) (3.026) (2.951) (2.775) 4.125 (2.812) (2.707) (2.631) (2.495)
4.125 (3.132) (3.026) (2.951) (2.775) 4.000 (2.767) (2.661) (2.585) (2.410) 4.000 (2.541) (2.435) (2.359) (2.184)
4.000 (2.767) (2.661) (2.585) (2.410) 3.990 (2.760) (2.655) (2.579) (2.404) 3.990 (2.542) (2.436) (2.361) (2.185)
3.990 (2.760) (2.655) (2.579) (2.404) 3.875 (2.367) (2.261) (2.186) (2.010) 3.875 (2.186) (2.080) (2.005) (1.829)
3.875 (2.367) (2.261) (2.186) (2.010) 3.750 (1.933) (1.827) (1.752) (1.576) 3.750 (1.752) (1.646) (1.571) (1.395)
3.750 (1.933) (1.827) (1.752) (1.576) 3.625 (2.422) (2.286) (2.180) (1.974) 3.625 (2.102) (1.966) (1.860) (1.654)
3.625 (2.422) (2.286) (2.180) (1.974) 3.500 (1.994) (1.858) (1.752) (1.546) 3.500 (1.761) (1.625) (1.520) (1.314)
3.500 (1.994) (1.858) (1.752) (1.546) 3.375 (1.529) (1.393) (1.287) (1.081) 3.375 (1.343) (1.207) (1.101) (0.895)
3.375 (1.529) (1.393) (1.287) (1.081) 3.250 (1.024) (0.888) (0.782) (0.576) 3.250 (0.842) (0.706) (0.600) (0.394)
3.250 (1.024) (0.888) (0.782) (0.576) 3.125 (0.377) (0.241) (0.135) 0.071 3.125 (0.196) (0.060) 0.046 0.252
3.125 (0.377) (0.241) (0.135) 0.071 3.000 0.386 0.522 0.628 0.833 3.000 0.587 0.723 0.829 1.035
3.000 0.386 0.522 0.628 0.833 2.990 0.241 0.377 0.483 0.689 2.990 0.422 0.558 0.664 0.870
2.990 0.241 0.377 0.483 0.689 2.875 0.812 0.947 1.053 1.259 2.875 1.024 1.160 1.266 1.472
2.875 0.812 0.947 1.053 1.259 2.750 1.432 1.568 1.674 1.880 2.750 1.613 1.749 1.855 2.061
2.750 1.432 1.568 1.674 1.880 2.625 2.132 2.268 2.374 2.580 2.625 2.313 2.449 2.555 2.761
2.625 2.132 2.268 2.374 2.580 2.500 2.902 3.038 3.144 3.350 2.500 3.083 3.219 3.325 3.531
2.500 2.902 3.038 3.144 3.350 2.375 3.711 3.847 3.953 4.159 2.375 3.892 4.028 4.134 4.340
2.375 3.711 3.847 3.953 4.159 2.250 4.533 4.668 4.774 4.980 2.250 4.714 4.849 4.955 5.161
15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day
4.000 (2.864) (2.763) (2.692) (2.521) 4.000 (2.468) (2.367) (2.296) (2.125)
3.990 (2.833) (2.732) (2.661) (2.490) 3.990 (2.439) (2.338) (2.267) (2.096)
3.875 (2.587) (2.486) (2.415) (2.244) 3.875 (2.213) (2.112) (2.041) (1.870)
3.750 (2.283) (2.182) (2.111) (1.940) 3.750 (1.929) (1.828) (1.757) (1.585)
3.625 (1.906) (1.805) (1.734) (1.563) 3.625 (1.659) (1.558) (1.487) (1.316)
3.500 (2.559) (2.472) (2.415) (2.258) 3.500 (2.146) (2.060) (2.003) (1.846)
3.375 (2.324) (2.237) (2.180) (2.024) 3.375 (1.912) (1.825) (1.768) (1.611)
3.250 (1.989) (1.902) (1.846) (1.689) 3.250 (1.629) (1.542) (1.485) (1.328)
3.125 (1.567) (1.480) (1.423) (1.266) 3.125 (1.319) (1.232) (1.175) (1.018)
3.000 (1.526) (1.411) (1.325) (1.140) 3.000 (1.125) (1.010) (0.925) (0.740)
2.990 (1.529) (1.414) (1.329) (1.144) 2.990 (1.146) (1.031) (0.945) (0.760)
2.875 (1.192) (1.077) (0.992) (0.807) 2.875 (0.834) (0.719) (0.633) (0.448)
2.750 (0.787) (0.672) (0.587) (0.402) 2.750 (0.496) (0.380) (0.295) (0.110)
2.625 (0.311) (0.196) (0.111) 0.074 2.625 (0.084) 0.031 0.116 0.301
2.500 (0.196) (0.067) 0.033 0.232 2.500 0.187 0.316 0.416 0.615
2.375 0.235 0.364 0.464 0.663 2.375 0.558 0.687 0.787 0.986
2.250 0.703 0.833 0.932 1.132 2.250 0.979 1.108 1.208 1.407
2.125 1.231 1.360 1.460 1.659 2.125 1.491 1.621 1.720 1.919
2.000 1.769 1.899 1.998 2.198 2.000 1.964 2.094 2.193 2.393
1.990 1.812 1.942 2.041 2.241 1.990 2.007 2.137 2.236 2.436
1.875 2.302 2.431 2.531 2.730 1.875 2.497 2.626 2.726 2.925
1.750 2.848 2.978 3.077 3.277 1.750 3.043 3.173 3.272 3.472
15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day
3.000 (0.514) (0.424) (0.364) (0.204) 3.000 (0.216) (0.126) (0.066) 0.094 3.000 0.319 0.407 0.465 0.624
2.990 (0.484) (0.394) (0.334) (0.174) 2.990 (0.186) (0.096) (0.036) 0.124 2.990 0.349 0.437 0.495 0.654
2.875 (0.375) (0.285) (0.225) (0.065) 2.875 (0.086) 0.004 0.064 0.224 2.875 0.552 0.640 0.698 0.857
2.750 (0.236) (0.146) (0.086) 0.074 2.750 0.044 0.134 0.194 0.354 2.750 0.785 0.874 0.932 1.090
2.625 (0.097) (0.007) 0.053 0.213 2.625 0.137 0.227 0.287 0.447 2.625 1.019 1.107 1.165 1.324
2.500 0.042 0.132 0.192 0.352 2.500 0.267 0.357 0.417 0.577 2.500 1.253 1.341 1.399 1.557
2.375 0.181 0.271 0.331 0.491 2.375 0.397 0.487 0.547 0.707 2.375 1.486 1.575 1.633 1.791
2.250 0.320 0.410 0.470 0.630 2.250 0.527 0.617 0.677 0.837 2.250 1.679 1.767 1.825 1.983
2.125 0.459 0.549 0.609 0.769 2.125 0.657 0.747 0.807 0.967 2.125 1.913 2.001 2.059 2.217
2.000 0.598 0.688 0.748 0.909 2.000 0.787 0.878 0.938 1.098 2.000 2.106 2.194 2.252 2.410
1.990 0.628 0.718 0.778 0.939 1.990 0.817 0.908 0.968 1.128 1.990 2.136 2.224 2.282 2.440
< 620 620 - 639 640 - 659 680 - 699 700 - 719 720 - 739 740 - 759 ≥ 760
NA 0.500 0.500 0.000 0.000 0.000 0.000 0.000
NA 1.500 1.250 0.500 0.500 0.250 0.250 0.250
NA 3.000 2.750 1.250 1.000 0.500 0.250 0.250
NA 3.000 3.000 1.750 1.250 0.750 0.500 0.500
NA 3.250 3.250 1.500 1.000 0.500 0.250 0.250
NA 3.250 2.750 1.250 1.000 0.500 0.250 0.250
NA 3.250 2.750 1.250 1.000 0.500 0.250 0.250
NA 3.500 2.750 1.500 1.500 1.000 0.750 0.750
NA NA NA NA NA NA NA NA
NA NA NA NA NA NA NA NA
NA NA NA NA NA NA NA NA
620 - 639 640 - 659 660 - 679 680 - 699 700 - 719 720 - 739 740 - 759 760-779 780-799 ≥ 800
1.000 0.950 0.950 0.650 0.300 0.200 0.120 0.110 0.100
1.300 1.300 1.300 1.000 0.700 0.500 0.500 0.500 0.500
≤ 85 0.490 0.440 0.420 0.380 0.220 0.170 0.110 0.110 0.110
85.01 - 90 1.250 1.010 0.890 0.750 0.500 0.390 0.280 0.280 0.280
90.01 - 95 1.530 1.270 1.120 1.000 0.570 0.440 0.350 0.350 0.350
95.01 - 97 1.820 1.600 1.420 1.240 0.760 0.620 0.380 0.380 0.380
≤ 85 0.580 0.510 0.480 0.390 0.360 0.360 0.360 0.360 0.360
85.01 - 90 1.810 1.650 1.510 1.150 0.850 0.680 0.520 0.470 0.470
90.01 - 95 4.090 3.690 3.350 2.550 1.760 1.390 0.950 0.840 0.810
95.01 - 97 4.720 4.260 3.850 2.890 1.980 1.550 1.050 1.050 1.050
≤ 85 1.430 1.340 1.210 0.900 0.670 0.570 0.470 0.470 0.470
85.01 - 90 3.840 3.510 3.310 2.400 1.640 1.340 0.940 0.830 0.790
90.01 - 95 4.340 3.940 3.610 2.740 1.870 1.510 1.070 0.900 0.840
95.01 - 97 4.980 4.510 4.110 3.070 2.100 1.670 1.170 1.110 1.080
LTV CLTV < 720 ≥ 720 Purchase FICO/Loan Size Adjustments - Applied After Cap
≤ 65 80.01 - 95 0.500 0.250 Loan Amount 620-639 640-659 660-679 680-699 700-719 720-739 740-759 760-779 780+
65.01-75 80.01 - 95 0.750 0.500 High Balance -0.500 -0.500 -0.500 -0.650 -0.650 -0.900 -0.900 -0.900 -1.000
75.01-95 90.01 - 95 1.000 0.750
75.01-90 76.01 - 90 1.000 0.750 Refinance FICO/Loan Size Adjustments - Applied After Cap
≤ 95 95.01 - 97 1.500 1.500 620-639 640-659 660-679 680-699 700-719 720-739 740-759 760-779 780+
ALL ALL 0.375 0.375 High Balance -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750
2-4 Units 1.000
Attached Condo > 75 LTV (>15yr Term) 0.750
Manufactured Home 0.500
High Balance Loan Adjustment - Fixed 0.250
High Balance Loan Adjustment - ARM LTV ≤ 75 1.000
High Balance Loan Adjustment - ARM LTV > 75 1.750
Adjustments Applied after Cap
Escrow Waiver (Full or Taxes Only) 0.100
Manufactured Home 0.500
FICO LTV
0.000 ≥ 680 > 80%
Adjustment Caps 1.500 < 680 > 80%
1.500 All ≤ 80%
*Some adjustment details may not appear when pricing through the portal,
however the final price will match the rate sheet.
No Lender Fee options are available through the pricing engine online.
Max YSP -6.000
2.470
Subordinate
Financing
Excludes
Community
Seconds®
Misc Adjusters
NA 2.290
> 20 Yr Term
NA 0.770
NA 1.970
NA 2.210
NA
0.720
NA 1.060
≤ 20 Yr Term
NA 0.360
NA 0.950
NA 2.020
Manufactured Home NA 1.000
LTV Adjusters
DTI > 45
NA 0.300
NA 0.620
NA
NA
75.01 - 80 NA
LPMI Adjustments Applied after Cap
< 620
Lender Paid MI
Adj.
Premium
Adjusters
Rate & Term Refi NA 0.400
90.01 - 95 2.250
95.01 - 97 2.250
Cash-Out LTV
≤ 60 NA
60.01 - 75
75.01 - 80 2.750
80.01 - 85 2.750
85.01 - 90 2.250
660 - 679
All Fixed Conforming
(does not apply to terms ≤ 15yrs)LTV
≤ 60 0.000
60.01 - 70 1.000
70.01 - 75 2.250
FNMA HomeReady™ 15 Yr Fixed - High Balance FNMA HomeReady™ 10 Yr Fixed - High Balance
FNMA HomeReady™ 5/6 SOFR ARM (2/1/5) - HB FNMA HomeReady™ 7/6 SOFR ARM (5/1/5) - HB FNMA HomeReady™ 10/6 ARM (5/1/5) - HB
Loan Level Price Adjustments
Illinois Wholesale Rate Sheetas of 10/22/2021 8:56 AM
FNMA - HomeReady™ High Balance
FNMA HomeReady™ 30 Yr Fixed - High Balance FNMA HomeReady™ 25 Yr Fixed - High Balance FNMA HomeReady™ 20 Yr Fixed - High Balance
15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day
5.000 (7.377) (7.340) (7.332) (7.225) 5.000 (7.357) (7.319) (7.312) (7.204)
4.990 (7.360) (7.322) (7.314) (7.207) 4.990 (7.332) (7.295) (7.287) (7.179)
4.875 (7.067) (7.029) (7.022) (6.914) 4.875 (7.067) (7.029) (7.022) (6.914)
4.750 (6.739) (6.702) (6.694) (6.587) 4.750 (6.739) (6.702) (6.694) (6.587)
4.625 (6.481) (6.421) (6.391) (6.260) 4.625 (6.459) (6.399) (6.369) (6.238)
4.500 (6.179) (6.119) (6.089) (5.958) 4.500 (6.168) (6.108) (6.078) (5.947) 4.375 (6.294) (6.234) (6.204) (6.074)
4.375 (5.825) (5.765) (5.734) (5.604) 4.375 (5.825) (5.765) (5.734) (5.604) 4.250 (5.927) (5.867) (5.836) (5.706)
4.250 (5.443) (5.382) (5.352) (5.222) 4.250 (5.443) (5.382) (5.352) (5.222) 4.125 (5.726) (5.620) (5.544) (5.369)
4.125 (5.189) (5.084) (5.008) (4.832) 4.125 (5.152) (5.047) (4.971) (4.795) 4.000 (5.441) (5.335) (5.259) (5.084)
4.000 (4.810) (4.705) (4.629) (4.454) 4.000 (4.773) (4.667) (4.592) (4.416) 3.990 (5.477) (5.372) (5.296) (5.120)
3.990 (4.840) (4.734) (4.658) (4.483) 3.990 (4.797) (4.691) (4.616) (4.440) 3.875 (5.083) (4.977) (4.902) (4.726)
3.875 (4.408) (4.302) (4.226) (4.051) 3.875 (4.376) (4.271) (4.195) (4.019) 3.750 (4.596) (4.490) (4.414) (4.239)
3.750 (3.920) (3.815) (3.739) (3.564) 3.750 (3.910) (3.805) (3.729) (3.553) 3.625 (4.414) (4.278) (4.172) (3.966)
3.625 (3.534) (3.398) (3.292) (3.086) 3.625 (3.489) (3.353) (3.247) (3.041) 3.500 (4.052) (3.917) (3.811) (3.605)
3.500 (3.079) (2.943) (2.837) (2.631) 3.500 (3.031) (2.895) (2.789) (2.584) 3.375 (3.593) (3.457) (3.351) (3.145)
3.375 (2.574) (2.438) (2.332) (2.126) 3.375 (2.539) (2.403) (2.297) (2.091) 3.250 (3.033) (2.897) (2.792) (2.586)
3.250 (2.014) (1.878) (1.773) (1.567) 3.250 (2.002) (1.866) (1.761) (1.555) 3.125 (2.947) (2.811) (2.705) (2.499)
3.125 (1.324) (1.188) (1.082) (0.876) 3.125 (1.324) (1.188) (1.082) (0.876) 3.000 (2.512) (2.377) (2.271) (2.065)
3.000 (0.570) (0.434) (0.328) (0.122) 3.000 (0.555) (0.419) (0.313) (0.107) 2.990 (2.528) (2.392) (2.286) (2.080)
2.990 (0.578) (0.442) (0.336) (0.130) 2.990 (0.523) (0.387) (0.281) (0.075) 2.875 (1.978) (1.842) (1.736) (1.530)
2.875 0.010 0.146 0.252 0.458 2.875 0.051 0.187 0.293 0.498 2.750 (1.308) (1.172) (1.067) (0.861)
2.750 0.679 0.815 0.921 1.127 2.750 0.693 0.829 0.935 1.141 2.625 (0.535) (0.399) (0.293) (0.087)
2.625 1.487 1.623 1.729 1.935 2.625 1.478 1.613 1.719 1.925 2.500 0.254 0.388 0.471 0.654
2.500 2.373 2.509 2.615 2.821 2.500 2.345 2.480 2.586 2.792 2.375 0.901 1.014 1.097 1.280
2.375 3.107 3.221 3.304 3.487 2.375 3.154 3.267 3.350 3.533 2.250 1.679 1.792 1.875 2.058
2.250 3.885 3.998 4.082 4.265 2.250 3.901 4.014 4.097 4.280
15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day
4.000 (5.499) (5.398) (5.327) (5.156) 4.000 (6.179) (6.078) (6.007) (5.836)
3.990 (5.461) (5.360) (5.289) (5.118) 3.990 (6.120) (6.019) (5.947) (5.776)
3.875 (5.166) (5.065) (4.994) (4.823) 3.875 (5.924) (5.823) (5.752) (5.581)
3.750 (4.777) (4.676) (4.605) (4.433) 3.750 (5.551) (5.450) (5.379) (5.208)
3.625 (4.362) (4.261) (4.190) (4.019) 3.625 (5.057) (4.955) (4.884) (4.713)
3.500 (4.683) (4.596) (4.539) (4.383) 3.500 (4.983) (4.896) (4.839) (4.682)
3.375 (4.356) (4.270) (4.213) (4.056) 3.375 (4.777) (4.691) (4.634) (4.477)
3.250 (3.978) (3.891) (3.834) (3.677) 3.250 (4.424) (4.337) (4.281) (4.124)
3.125 (3.549) (3.462) (3.405) (3.248) 3.125 (3.938) (3.851) (3.794) (3.637)
3.000 (3.339) (3.224) (3.139) (2.953) 3.000 (3.426) (3.339) (3.282) (3.126)
2.990 (3.291) (3.176) (3.090) (2.905) 2.990 (3.386) (3.299) (3.242) (3.085)
2.875 (2.911) (2.796) (2.711) (2.526) 2.875 (3.087) (2.972) (2.887) (2.702)
2.750 (2.514) (2.399) (2.314) (2.129) 2.750 (2.714) (2.598) (2.513) (2.328)
2.625 (2.025) (1.910) (1.825) (1.640) 2.625 (2.236) (2.121) (2.035) (1.850)
2.500 (1.515) (1.400) (1.315) (1.130) 2.500 (2.127) (1.998) (1.898) (1.699)
2.375 (0.973) (0.853) (0.768) (0.582) 2.375 (1.766) (1.637) (1.537) (1.338)
2.250 (0.501) (0.371) (0.272) (0.072) 2.250 (1.351) (1.222) (1.122) (0.923)
2.125 (0.010) 0.119 0.218 0.418 2.125 (0.869) (0.740) (0.640) (0.441)
2.000 0.549 0.678 0.778 0.977 2.000 (0.384) (0.254) (0.155) 0.044
1.990 0.603 0.732 0.832 1.031 1.990 (0.344) (0.214) (0.115) 0.084
1.875 1.166 1.296 1.395 1.594 1.875 0.074 0.204 0.303 0.503
1.750 1.799 1.928 2.028 2.227 1.750 0.541 0.670 0.770 0.969
15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day
3.250 (0.873) (0.783) (0.723) (0.564) 3.375 (0.618) (0.528) (0.469) (0.309) 3.500 (0.662) (0.574) (0.515) (0.357)
3.125 (0.734) (0.644) (0.585) (0.425) 3.250 (0.488) (0.398) (0.339) (0.179) 3.375 (0.430) (0.341) (0.283) (0.125)
3.000 (0.564) (0.474) (0.414) (0.254) 3.125 (0.358) (0.269) (0.209) (0.049) 3.250 (0.197) (0.109) (0.050) 0.108
2.990 (0.534) (0.444) (0.384) (0.224) 3.000 (0.266) (0.176) (0.116) 0.044 3.125 0.036 0.124 0.182 0.341
2.875 (0.425) (0.335) (0.275) (0.115) 2.990 (0.236) (0.146) (0.086) 0.074 3.000 0.269 0.357 0.415 0.574
2.750 (0.286) (0.196) (0.136) 0.024 2.875 (0.136) (0.046) 0.014 0.174 2.990 0.299 0.387 0.445 0.604
2.625 (0.147) (0.057) 0.003 0.163 2.750 (0.006) 0.084 0.144 0.304 2.875 0.502 0.590 0.648 0.807
2.500 (0.008) 0.082 0.142 0.302 2.625 0.087 0.177 0.237 0.397 2.750 0.735 0.824 0.882 1.040
2.375 0.131 0.221 0.281 0.441 2.500 0.217 0.307 0.367 0.527 2.625 0.969 1.057 1.115 1.274
2.250 0.270 0.360 0.420 0.580 2.375 0.347 0.437 0.497 0.657 2.500 1.203 1.291 1.349 1.507
2.125 0.409 0.499 0.559 0.719 2.250 0.477 0.567 0.627 0.787 2.375 1.436 1.525 1.583 1.741
< 620 620 - 639 640 - 659 680 - 699 700 - 719 720 - 739 740 - 759 ≥ 760
NA 0.500 0.500 0.000 0.000 0.000 0.000 0.000
NA 1.500 1.250 0.500 0.500 0.250 0.250 0.250
NA 3.000 2.750 1.250 1.000 0.500 0.250 0.250
NA 3.000 3.000 1.750 1.250 0.750 0.500 0.500
NA 3.250 3.250 1.500 1.000 0.500 0.250 0.250
NA 3.250 2.750 1.250 1.000 0.500 0.250 0.250
NA 3.250 2.750 1.250 1.000 0.500 0.250 0.250
NA 3.500 2.750 1.500 1.500 1.000 0.750 0.750
620 - 639 640 - 659 660 - 679 680 - 699 700 - 719 720 - 739 740 - 759 760-779 780-799 ≥ 800
1.000 0.950 0.950 0.650 0.300 0.200 0.120 0.110 0.100
1.300 1.300 1.300 1.000 0.700 0.500 0.500 0.500 0.500
2.630 2.630 2.630 1.750 1.330 1.190 1.190 1.190 1.190
≤ 85 0.490 0.440 0.420 0.380 0.220 0.170 0.110 0.110 0.110
85.01 - 90 1.250 1.010 0.890 0.750 0.500 0.390 0.280 0.280 0.280
90.01 - 95 1.530 1.270 1.120 1.000 0.570 0.440 0.350 0.350 0.350
95.01 - 97 1.820 1.600 1.420 1.240 0.760 0.620 0.380 0.380 0.380
≤ 85 0.580 0.510 0.480 0.390 0.360 0.360 0.360 0.360 0.360
85.01 - 90 1.810 1.650 1.510 1.150 0.850 0.680 0.520 0.470 0.470
90.01 - 95 4.090 3.690 3.350 2.550 1.760 1.390 0.950 0.840 0.810
95.01 - 97 4.720 4.260 3.850 2.890 1.980 1.550 1.050 1.050 1.050
≤ 85 1.430 1.340 1.210 0.900 0.670 0.570 0.470 0.470 0.470
85.01 - 90 3.840 3.510 3.310 2.400 1.640 1.340 0.940 0.830 0.790
90.01 - 95 4.340 3.940 3.610 2.740 1.870 1.510 1.070 0.900 0.840
95.01 - 97 4.980 4.510 4.110 3.070 2.100 1.670 1.170 1.110 1.080
LTV ≤ 80 80.01 - 85 > 85 Purchase FICO/Loan Size Adjustments - Applied after Cap
2 Units 1.000 1.000 1.000 Loan Amount 620-639 640-659 660-679 680-699 700-719 720-739 740-759 760-779 780+
3-4 units 1.000 1.500 2.000 <$50k 1.000 1.000 1.000 0.850 0.850 0.600 0.600 0.600 0.500
LTV CLTV < 720 ≥ 720 $50k-$74.9k 0.000 0.000 0.000 -0.150 -0.150 -0.400 -0.400 -0.400 -0.500
≤ 75 ≤ 80 0.500 0.500 $75k-$99.9k 0.000 0.000 0.000 -0.150 -0.150 -0.400 -0.400 -0.400 -0.500
≤ 65 80.01 - 95 0.500 0.500 $100k-$124.9k -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750
65.01-75 80.01 - 95 0.500 0.500 $125k-$149.9k -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750
75.01-95 76.01-95 0.500 0.500 $150k-$199.9k -0.500 -0.500 -0.500 -0.650 -0.650 -0.900 -0.900 -0.900 -1.000
Attached Condo > 75 LTV (>15yr Term) 0.750 $200k-$249.9k -0.500 -0.500 -0.500 -0.650 -0.650 -0.900 -0.900 -0.900 -1.000
Manufacured Home 0.500 $250k-$299.9k -0.700 -0.700 -0.700 -0.850 -0.850 -1.100 -1.100 -1.100 -1.200
$300k-$399.9k -0.700 -0.700 -0.700 -0.850 -0.850 -1.100 -1.100 -1.100 -1.200
Adjustments Applied after Cap $400k-$499.9k -0.700 -0.700 -0.700 -0.850 -0.850 -1.100 -1.100 -1.100 -1.200
Escrow Waiver (Full or Taxes Only) 0.100 $500k-Conf Limit -0.700 -0.700 -0.700 -0.850 -0.850 -1.100 -1.100 -1.100 -1.200
Manufactured Home 0.500 High Balance -0.500 -0.500 -0.500 -0.650 -0.650 -0.900 -0.900 -0.900 -1.000
FICO LTV Refinance FICO/Loan Size Adjustments - Applied after Cap
0.000 ≥ 680 > 80% 620-639 640-659 660-679 680-699 700-719 720-739 740-759 760-779 780+
Adjustment Caps 1.500 < 680 > 80% <$50k 1.250 1.250 1.250 1.100 1.100 0.850 0.850 0.850 0.750
1.500 All ≤ 80% $50k-$74.9k 0.250 0.250 0.250 0.100 0.100 -0.150 -0.150 -0.150 -0.250
$75k-$99.9k 0.250 0.250 0.250 0.100 0.100 -0.150 -0.150 -0.150 -0.250
$100k-$124.9k 0.000 0.000 0.000 -0.150 -0.150 -0.400 -0.400 -0.400 -0.500
$125k-$149.9k 0.000 0.000 0.000 -0.150 -0.150 -0.400 -0.400 -0.400 -0.500
*Some adjustment details may not appear when pricing through the portal, $150k-$199.9k -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750
however the final price will match the rate sheet. $200k-$249.9k -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750
No Lender Fee options are available through the pricing engine online. $250k-$299.9k -0.450 -0.450 -0.450 -0.600 -0.600 -0.850 -0.850 -0.850 -0.950
$300k-$399.9k -0.450 -0.450 -0.450 -0.600 -0.600 -0.850 -0.850 -0.850 -0.950
Max YSP -6.000 $400k-$499.9k -0.450 -0.450 -0.450 -0.600 -0.600 -0.850 -0.850 -0.850 -0.950
$500k-Conf Limit -0.450 -0.450 -0.450 -0.600 -0.600 -0.850 -0.850 -0.850 -0.950
High Balance -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750
Number Of Units
Subordinate
FinancingExcludes Community
Seconds®
Misc Adjusters
> 20 Yr Term
NA 0.770
NA 1.970
NA 2.210
NA 2.470
1.060
≤ 20 Yr Term
NA 0.360
NA 0.950
NA 2.020
NA 2.290
1.750
LTV Adjusters
DTI > 45
NA 0.300
NA 0.620
NA 0.720
NA
Lender Paid MI
Adj.
Premium
Adjusters
Rate & Term Refi NA 0.400
Manufactured Home NA 1.000
3 - 4 Unit NA
90.01 - 95 2.250
95.01 - 97* 2.250
LPMI Adjustments Applied after Cap
< 620
75.01 - 80 2.750
80.01 - 85 2.750
85.01 - 90 2.250
660 - 679
All Conforming (does not apply
to Fixed terms ≤ 15yrs)LTV
≤ 60 0.000
60.01 - 70 1.000
70.01 - 75 2.250
FHLMC Home Possible® 15 Yr Fixed FHLMC Home Possible® 10 Yr Fixed
FHLMC Home Possible® 5/6 SOFR ARM (2/1/5) FHLMC Home Possible® 7/6 SOFR ARM (5/1/5) FHLMC Home Possible® 10/6 SOFR ARM (5/1/5)
Loan Level Price Adjustments
Illinois Wholesale Rate Sheetas of 10/22/2021 8:56 AM
FHLMC Home Possible® Products
FHLMC Home Possible® 30 Yr Fixed FHLMC Home Possible® 25 Yr Fixed FHLMC Home Possible® 20 Yr Fixed
Page 7
15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day
N/A N/A N/A N/A N/A 3.000 (0.564) (0.474) (0.414) (0.254) 3.000 (0.266) (0.176) (0.116) 0.044
N/A N/A N/A N/A N/A 2.990 (0.534) (0.444) (0.384) (0.224) 2.990 (0.236) (0.146) (0.086) 0.074
N/A N/A N/A N/A N/A 2.875 (0.425) (0.335) (0.275) (0.115) 2.875 (0.136) (0.046) 0.014 0.174
N/A N/A N/A N/A N/A 2.750 (0.286) (0.196) (0.136) 0.024 2.750 (0.006) 0.084 0.144 0.304
N/A N/A N/A N/A N/A 2.625 (0.147) (0.057) 0.003 0.163 2.625 0.087 0.177 0.237 0.397
N/A N/A N/A N/A N/A 2.500 (0.008) 0.082 0.142 0.302 2.500 0.217 0.307 0.367 0.527
N/A N/A N/A N/A N/A 2.375 0.131 0.221 0.281 0.441 2.375 0.347 0.437 0.497 0.657
N/A N/A N/A N/A N/A 2.250 0.270 0.360 0.420 0.580 2.250 0.477 0.567 0.627 0.787
N/A N/A N/A N/A N/A 2.125 0.409 0.499 0.559 0.719 2.125 0.607 0.697 0.757 0.917
N/A N/A N/A N/A N/A 2.000 0.548 0.638 0.698 0.859 2.000 0.737 0.828 0.888 1.048
N/A N/A N/A N/A N/A 1.990 0.578 0.668 0.728 0.889 1.990 0.767 0.858 0.918 1.078
15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day
3.000 0.269 0.357 0.415 0.574 3.000 (0.514) (0.424) (0.364) (0.204) 3.000 (0.216) (0.126) (0.066) 0.094
2.990 0.299 0.387 0.445 0.604 2.990 (0.484) (0.394) (0.334) (0.174) 2.990 (0.186) (0.096) (0.036) 0.124
2.875 0.502 0.590 0.648 0.807 2.875 (0.375) (0.285) (0.225) (0.065) 2.875 (0.086) 0.004 0.064 0.224
2.750 0.735 0.824 0.882 1.040 2.750 (0.236) (0.146) (0.086) 0.074 2.750 0.044 0.134 0.194 0.354
2.625 0.969 1.057 1.115 1.274 2.625 (0.097) (0.007) 0.053 0.213 2.625 0.137 0.227 0.287 0.447
2.500 1.203 1.291 1.349 1.507 2.500 0.042 0.132 0.192 0.352 2.500 0.267 0.357 0.417 0.577
2.375 1.436 1.525 1.583 1.741 2.375 0.181 0.271 0.331 0.491 2.375 0.397 0.487 0.547 0.707
2.250 1.629 1.717 1.775 1.933 2.250 0.320 0.410 0.470 0.630 2.250 0.527 0.617 0.677 0.837
2.125 1.863 1.951 2.009 2.167 2.125 0.459 0.549 0.609 0.769 2.125 0.657 0.747 0.807 0.967
2.000 2.056 2.144 2.202 2.360 2.000 0.598 0.688 0.748 0.909 2.000 0.787 0.878 0.938 1.098
1.990 2.086 2.174 2.232 2.390 1.990 0.628 0.718 0.778 0.939 1.990 0.817 0.908 0.968 1.128
15 Day 30 Day 45 Day 60 Day
3.000 0.319 0.407 0.465 0.624
2.990 0.349 0.437 0.495 0.654
2.875 0.552 0.640 0.698 0.857
2.750 0.785 0.874 0.932 1.090
2.625 1.019 1.107 1.165 1.324
2.500 1.253 1.341 1.399 1.557
2.375 1.486 1.575 1.633 1.791
2.250 1.679 1.767 1.825 1.983
2.125 1.913 2.001 2.059 2.217
2.000 2.106 2.194 2.252 2.410
1.990 2.136 2.224 2.282 2.440
< 620 620 - 639 640 - 659 680 - 699 700 - 719 720 - 739 740 - 759 >= 760
NA 0.500 0.500 0.000 0.000 0.000 0.000 0.000
NA 1.500 1.250 0.500 0.500 0.250 0.250 0.250
NA 3.000 2.750 1.250 1.000 0.500 0.250 0.250
NA 3.000 3.000 1.750 1.250 0.750 0.500 0.500
NA 3.250 3.250 1.500 1.000 0.500 0.250 0.250
NA 3.250 2.750 1.250 1.000 0.500 0.250 0.250
NA 3.250 2.750 1.250 1.000 0.500 0.250 0.250
NA 3.500 2.750 1.500 1.500 1.000 0.750 0.750
NA 1.625 0.625 0.375 0.375 0.375 0.375 0.375
NA 2.625 1.625 1.125 1.000 1.000 0.625 0.625
NA 3.125 2.625 1.750 1.125 1.125 0.875 0.875
620 - 639 640 - 659 660 - 679 680 - 699 700 - 719 720 - 739 740 - 759 760-779 780-799 ≥ 800
1.000 0.950 0.950 0.650 0.300 0.200 0.120 0.110 0.100
1.300 1.300 1.300 1.000 0.700 0.500 0.500 0.500 0.500
1.230 1.230 1.230 0.700 0.490 0.250 0.250 0.250 0.250
2.630 2.630 2.630 1.750 1.330 1.190 1.190 1.190 1.190
≤ 85 0.490 0.440 0.420 0.380 0.220 0.170 0.110 0.110 0.110
85.01 - 90 1.250 1.010 0.890 0.750 0.500 0.390 0.280 0.280 0.280
90.01 - 95 1.530 1.270 1.120 1.000 0.570 0.440 0.350 0.350 0.350
95.01 - 97 1.820 1.600 1.420 1.240 0.760 0.620 0.380 0.380 0.380
≤ 85 1.430 1.340 1.210 0.900 0.670 0.570 0.470 0.470 0.470
85.01 - 90 3.840 3.510 3.310 2.400 1.640 1.340 0.940 0.830 0.790
90.01 - 95 5.080 4.580 4.210 3.180 2.170 1.740 1.240 1.030 0.960
95.01 - 97 6.550 5.980 5.520 4.110 2.770 2.170 1.510 1.330 1.310
LTV CLTV < 720 >= 720 Purchase FICO/Loan Size Adjustments
<=65 80.01 - 90 0.500 0.250 Loan Amount 620-639 640-659 660-679 680-699 700-719 720-739 740-759 760-779 780+
65.01-75 80.01 - 90 0.750 0.500 <$50k 1.000 1.000 1.000 0.850 0.850 0.600 0.600 0.600 0.500
75.01-90 76.01 - 90 1.000 0.750 $50k-$74.9k 0.000 0.000 0.000 -0.150 -0.150 -0.400 -0.400 -0.400 -0.500
ALL ALL 0.375 0.375 $75k-$99.9k 0.000 0.000 0.000 -0.150 -0.150 -0.400 -0.400 -0.400 -0.500
<= 75 2.125 $100k-$124.9k -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750
LTV 75.01 - 80 3.375 $125k-$149.9k -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750
> 80 4.125 $150k-$199.9k -0.500 -0.500 -0.500 -0.650 -0.650 -0.900 -0.900 -0.900 -1.000
LTV ≤ 75 1.000 $200k-$249.9k -0.500 -0.500 -0.500 -0.650 -0.650 -0.900 -0.900 -0.900 -1.000
LTV > 75 1.750 $250k-$299.9k -0.700 -0.700 -0.700 -0.850 -0.850 -1.100 -1.100 -1.100 -1.200
LTV ≤ 75 1.750 $300k-$399.9k -0.700 -0.700 -0.700 -0.850 -0.850 -1.100 -1.100 -1.100 -1.200
LTV > 75 2.500 $400k-$499.9k -0.700 -0.700 -0.700 -0.850 -0.850 -1.100 -1.100 -1.100 -1.200
2-4 Units 1.000 $500k-Conf Limit -0.700 -0.700 -0.700 -0.850 -0.850 -1.100 -1.100 -1.100 -1.200
Manufactured Home 1.000 High Balance -0.500 -0.500 -0.500 -0.650 -0.650 -0.900 -0.900 -0.900 -1.000
Attached Condo > 75 LTV 0.750
Escrow Waiver (Full or Taxes Only) 0.100 Refinance FICO/Loan Size Adjustments
Escrow Waiver (Insurance Only) 0.000 620-639 640-659 660-679 680-699 700-719 720-739 740-759 760-779 780+
>90 LTV 0.250 <$50k 1.250 1.250 1.250 1.100 1.100 0.850 0.850 0.850 0.750
Second Home > 85 LTV 0.250 $50k-$74.9k 0.250 0.250 0.250 0.100 0.100 -0.150 -0.150 -0.150 -0.250
$75k-$99.9k 0.250 0.250 0.250 0.100 0.100 -0.150 -0.150 -0.150 -0.250
$100k-$124.9k 0.000 0.000 0.000 -0.150 -0.150 -0.400 -0.400 -0.400 -0.500
$125k-$149.9k 0.000 0.000 0.000 -0.150 -0.150 -0.400 -0.400 -0.400 -0.500
$150k-$199.9k -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750
No Lender Fee options are available through the pricing engine online. $200k-$249.9k -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750
$250k-$299.9k -0.450 -0.450 -0.450 -0.600 -0.600 -0.850 -0.850 -0.850 -0.950
$300k-$399.9k -0.450 -0.450 -0.450 -0.600 -0.600 -0.850 -0.850 -0.850 -0.950
Max YSP -3.000 $400k-$499.9k -0.450 -0.450 -0.450 -0.600 -0.600 -0.850 -0.850 -0.850 -0.950
Margin 3.000% $500k-Conf Limit -0.450 -0.450 -0.450 -0.600 -0.600 -0.850 -0.850 -0.850 -0.950
High Balance -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750
High Balance
Purch - R/T Refi.
C/O Refi.
Misc Adjusters
NA 2.570
NA 3.310
Subordinate
FinancingExcludes
Community
Seconds®
Non Owner
Occupied
0.620
NA 0.720
NA 1.060
> 20 Yr Term
NA 0.770
NA 1.970
NA 0.700
Non Owner Occupied NA 1.750
LTV Adjusters
DTI > 45
NA 0.300
NA
< 620
Lender Paid MI
Adj.
Premium
Adjusters
Rate & Term Refi NA 0.400
Manufactured Home NA 1.000
2nd Home
95.01 - 97 2.250
Cash-Out LTV
<= 60 0.625
60.01 - 75 1.125
75.01 - 80 1.875
80.01 - 85 2.750
85.01 - 90 2.250
90.01 - 95 2.250
All Conforming ARMs (Does not
include DU Refi Plus)LTV
<= 60 0.000
60.01 - 70 1.000
70.01 - 75 2.250
75.01 - 80 2.750
Fannie Mae 10-6 SOFR ARM (5-1-5) Fannie Mae 5-6 SOFR ARM (2-1-5) High Balance Fannie Mae 7-6 SOFR ARM (5-1-5) High Balance
Fannie Mae 10-6 SOFR ARM (5-1-5) High Balance
Loan Level Price Adjustments
660 - 679
Illinois Wholesale Rate Sheetas of 10/22/2021 8:56 AM
Fannie Mae - ARM Products
Fannie Mae 5-6 SOFR ARM (2-1-5) Fannie Mae 7-6 SOFR ARM (5-1-5)
Page 8
15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day
N/A N/A N/A N/A N/A 3.000 (0.564) (0.474) (0.414) (0.254) 3.000 (0.266) (0.176) (0.116) 0.044
N/A N/A N/A N/A N/A 2.990 (0.534) (0.444) (0.384) (0.224) 2.990 (0.236) (0.146) (0.086) 0.074
N/A N/A N/A N/A N/A 2.875 (0.425) (0.335) (0.275) (0.115) 2.875 (0.136) (0.046) 0.014 0.174
N/A N/A N/A N/A N/A 2.750 (0.286) (0.196) (0.136) 0.024 2.750 (0.006) 0.084 0.144 0.304
N/A N/A N/A N/A N/A 2.625 (0.147) (0.057) 0.003 0.163 2.625 0.087 0.177 0.237 0.397
N/A N/A N/A N/A N/A 2.500 (0.008) 0.082 0.142 0.302 2.500 0.217 0.307 0.367 0.527
N/A N/A N/A N/A N/A 2.375 0.131 0.221 0.281 0.441 2.375 0.347 0.437 0.497 0.657
N/A N/A N/A N/A N/A 2.250 0.270 0.360 0.420 0.580 2.250 0.477 0.567 0.627 0.787
N/A N/A N/A N/A N/A 2.125 0.409 0.499 0.559 0.719 2.125 0.607 0.697 0.757 0.917
N/A N/A N/A N/A N/A 2.000 0.548 0.638 0.698 0.859 2.000 0.737 0.828 0.888 1.048
N/A N/A N/A N/A N/A 1.990 0.578 0.668 0.728 0.889 1.990 0.767 0.858 0.918 1.078
15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day
3.000 0.269 0.357 0.415 0.574 3.000 (0.514) (0.424) (0.364) (0.204) 3.000 (0.216) (0.126) (0.066) 0.094
2.990 0.299 0.387 0.445 0.604 2.990 (0.484) (0.394) (0.334) (0.174) 2.990 (0.186) (0.096) (0.036) 0.124
2.875 0.502 0.590 0.648 0.807 2.875 (0.375) (0.285) (0.225) (0.065) 2.875 (0.086) 0.004 0.064 0.224
2.750 0.735 0.824 0.882 1.040 2.750 (0.236) (0.146) (0.086) 0.074 2.750 0.044 0.134 0.194 0.354
2.625 0.969 1.057 1.115 1.274 2.625 (0.097) (0.007) 0.053 0.213 2.625 0.137 0.227 0.287 0.447
2.500 1.203 1.291 1.349 1.507 2.500 0.042 0.132 0.192 0.352 2.500 0.267 0.357 0.417 0.577
2.375 1.436 1.525 1.583 1.741 2.375 0.181 0.271 0.331 0.491 2.375 0.397 0.487 0.547 0.707
2.250 1.629 1.717 1.775 1.933 2.250 0.320 0.410 0.470 0.630 2.250 0.527 0.617 0.677 0.837
2.125 1.863 1.951 2.009 2.167 2.125 0.459 0.549 0.609 0.769 2.125 0.657 0.747 0.807 0.967
2.000 2.056 2.144 2.202 2.360 2.000 0.598 0.688 0.748 0.909 2.000 0.787 0.878 0.938 1.098
1.990 2.086 2.174 2.232 2.390 1.990 0.628 0.718 0.778 0.939 1.990 0.817 0.908 0.968 1.128
15 Day 30 Day 45 Day 60 Day
3.000 0.319 0.407 0.465 0.624
2.990 0.349 0.437 0.495 0.654
2.875 0.552 0.640 0.698 0.857
2.750 0.785 0.874 0.932 1.090
2.625 1.019 1.107 1.165 1.324
2.500 1.253 1.341 1.399 1.557
2.375 1.486 1.575 1.633 1.791
2.250 1.679 1.767 1.825 1.983
2.125 1.913 2.001 2.059 2.217
2.000 2.106 2.194 2.252 2.410
1.990 2.136 2.224 2.282 2.440
< 620 620 - 639 640 - 659 680 - 699 700 - 719 720 - 739 740 - 759 >= 760
NA 0.500 0.500 0.000 0.000 0.000 0.000 0.000
NA 1.500 1.250 0.500 0.500 0.250 0.250 0.250
NA 3.000 2.750 1.250 1.000 0.500 0.250 0.250
NA 3.000 3.000 1.750 1.250 0.750 0.500 0.500
NA 3.250 3.250 1.500 1.000 0.500 0.250 0.250
NA 3.250 2.750 1.250 1.000 0.500 0.250 0.250
NA 3.250 2.750 1.250 1.000 0.500 0.250 0.250
NA 1.625 0.625 0.375 0.375 0.375 0.375 0.375
NA 2.625 1.625 1.125 1.000 1.000 0.625 0.625
NA 3.125 2.625 1.750 1.125 1.125 0.875 0.875
NA NA NA NA NA NA NA NA
620 - 639 640 - 659 660 - 679 680 - 699 700 - 719 720 - 739 740 - 759 760-779 780-799 ≥ 800
1.000 0.950 0.950 0.650 0.300 0.200 0.120 0.110 0.100
1.300 1.300 1.300 1.000 0.700 0.500 0.500 0.500 0.500
1.230 1.230 1.230 0.700 0.490 0.250 0.250 0.250 0.250
2.630 2.630 2.630 1.750 1.330 1.190 1.190 1.190 1.190
≤ 85 0.490 0.440 0.420 0.380 0.220 0.170 0.110 0.110 0.110
85.01 - 90 1.250 1.010 0.890 0.750 0.500 0.390 0.280 0.280 0.280
90.01 - 95 1.530 1.270 1.120 1.000 0.570 0.440 0.350 0.350 0.350
95.01 - 97 1.820 1.600 1.420 1.240 0.760 0.620 0.380 0.380 0.380
≤ 85 1.430 1.340 1.210 0.900 0.670 0.570 0.470 0.470 0.470
85.01 - 90 3.840 3.510 3.310 2.400 1.640 1.340 0.940 0.830 0.790
90.01 - 95 5.080 4.580 4.210 3.180 2.170 1.740 1.240 1.030 0.960
95.01 - 97 6.550 5.980 5.520 4.110 2.770 2.170 1.510 1.330 1.310
LTV <=80 80.01 - 85 > 85 Purchase FICO/Loan Size Adjustments
2 Units 1.000 1.000 1.000 Loan Amount 620-639 640-659 660-679 680-699 700-719 720-739 740-759 760-779 780+
3-4 units 1.000 1.500 2.000 <$50k 1.000 1.000 1.000 0.850 0.850 0.600 0.600 0.600 0.500
LTV CLTV < 720 >= 720 $50k-$74.9k 0.000 0.000 0.000 -0.150 -0.150 -0.400 -0.400 -0.400 -0.500
<=75 <=80 0.375 0.375 $75k-$99.9k 0.000 0.000 0.000 -0.150 -0.150 -0.400 -0.400 -0.400 -0.500
<=65 80.01 - 95 0.875 0.625 $100k-$124.9k -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750
65.01-75 80.01 - 95 1.125 0.875 $125k-$149.9k -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750
75.01-95 76.01-95 1.375 1.125 $150k-$199.9k -0.500 -0.500 -0.500 -0.650 -0.650 -0.900 -0.900 -0.900 -1.000
<= 75 2.125 $200k-$249.9k -0.500 -0.500 -0.500 -0.650 -0.650 -0.900 -0.900 -0.900 -1.000
LTV 75.01 - 80 3.375 $250k-$299.9k -0.700 -0.700 -0.700 -0.850 -0.850 -1.100 -1.100 -1.100 -1.200
> 80 4.125 $300k-$399.9k -0.700 -0.700 -0.700 -0.850 -0.850 -1.100 -1.100 -1.100 -1.200
Purchase & Rate/Term Refi <=75 LTV 1.000 $400k-$499.9k -0.700 -0.700 -0.700 -0.850 -0.850 -1.100 -1.100 -1.100 -1.200
Purchase & Rate/Term Refi >75 LTV 1.750 $500k-Conf Limit -0.700 -0.700 -0.700 -0.850 -0.850 -1.100 -1.100 -1.100 -1.200
Cash Out <= 75 1.750 High Balance -0.500 -0.500 -0.500 -0.650 -0.650 -0.900 -0.900 -0.900 -1.000
Cash Out > 75 2.500
Attached Condo > 75 LTV (>15yr Term) 0.750 Refinance FICO/Loan Size Adjustments
>90 LTV 0.250 620-639 640-659 660-679 680-699 700-719 720-739 740-759 760-779 780+
Escrow Waiver (Full or Taxes Only) 0.100 <$50k 1.250 1.250 1.250 1.100 1.100 0.850 0.850 0.850 0.750
Escrow Waiver (Insurance Only) 0.000 $50k-$74.9k 0.250 0.250 0.250 0.100 0.100 -0.150 -0.150 -0.150 -0.250
Manufactured Home (High Bal - Not Permitted) 1.000 $75k-$99.9k 0.250 0.250 0.250 0.100 0.100 -0.150 -0.150 -0.150 -0.250
Second Home > 85 LTV 0.250 $100k-$124.9k 0.000 0.000 0.000 -0.150 -0.150 -0.400 -0.400 -0.400 -0.500
$125k-$149.9k 0.000 0.000 0.000 -0.150 -0.150 -0.400 -0.400 -0.400 -0.500
$150k-$199.9k -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750
$200k-$249.9k -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750
No Lender Fee options are available through the pricing engine online. $250k-$299.9k -0.450 -0.450 -0.450 -0.600 -0.600 -0.850 -0.850 -0.850 -0.950
$300k-$399.9k -0.450 -0.450 -0.450 -0.600 -0.600 -0.850 -0.850 -0.850 -0.950
$400k-$499.9k -0.450 -0.450 -0.450 -0.600 -0.600 -0.850 -0.850 -0.850 -0.950
Max YSP -3.000 $500k-Conf Limit -0.450 -0.450 -0.450 -0.600 -0.600 -0.850 -0.850 -0.850 -0.950
Margin 3.000% High Balance -0.250 -0.250 -0.250 -0.400 -0.400 -0.650 -0.650 -0.650 -0.750
Non Owner
Occupied
Super
Conforming
Misc Adjusters
NA 2.570
NA 3.310
Number Of Units
Subordinate
Financing
0.620
NA 0.720
NA 1.060
> 20 Yr Term
NA 0.770
NA 1.970
NA 0.700
Non Owner Occupied NA 1.750
LTV Adjusters
DTI > 45
NA 0.300
NA
< 620
Lender Paid MI
Adj.
Premium
Adjusters
Rate & Term Refi NA 0.400
Manufactured Home NA 1.000
2nd Home
Cash-Out LTV
<= 60 0.625
60.01 - 75 1.125
75.01 - 80 1.875
80.01 - 85 NA
80.01 - 85 2.750
85.01 - 90 2.250
90.01 - 95 2.250
All Conforming ARMs (Does not
include LP Open Access)LTV
<= 60 0.000
60.01 - 70 1.000
70.01 - 75 2.250
75.01 - 80 2.750
Freddie Mac 10-6 SOFR ARM (5-1-5) Freddie Mac 5-6 SOFR ARM (2-1-5) Super Conforming Freddie Mac 7-6 SOFR ARM (5-1-5) Super Conforming
Freddie Mac 10-6 SOFR ARM (5-1-5) Super Conforming
Loan Level Price Adjustments
660 - 679
Illinois Wholesale Rate Sheetas of 10/22/2021 8:56 AM
Freddie Mac ARM Products
Freddie Mac 5-6 SOFR ARM (2-1-5) Freddie Mac SOFR 7-6 ARM (5-1-5)
Page 9
Smart Series 30 Year Fixed Smart Series 5/6 SOFR ARM Smart Series 7/6 SOFR ARM Smart Series 10/6 SOFR ARM
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
7.375 (7.416) (7.193) (6.970) (6.747) 7.375 (7.416) (7.193) (6.970) (6.747) 7.375 (7.416) (7.193) (6.970) (6.747) 7.375 (7.416) (7.193) (6.970) (6.747)
7.250 (7.291) (7.073) (6.855) (6.638) 7.250 (7.291) (7.073) (6.855) (6.638) 7.250 (7.291) (7.073) (6.855) (6.638) 7.250 (7.291) (7.073) (6.855) (6.638)
7.125 (7.166) (6.953) (6.741) (6.528) 7.125 (7.166) (6.953) (6.741) (6.528) 7.125 (7.166) (6.953) (6.741) (6.528) 7.125 (7.166) (6.953) (6.741) (6.528)
7.000 (7.041) (6.833) (6.626) (6.419) 7.000 (7.041) (6.833) (6.626) (6.419) 7.000 (7.041) (6.833) (6.626) (6.419) 7.000 (7.041) (6.833) (6.626) (6.419)
6.875 (6.884) (6.682) (6.480) (6.278) 6.875 (6.884) (6.682) (6.480) (6.278) 6.875 (6.884) (6.682) (6.480) (6.278) 6.875 (6.884) (6.682) (6.480) (6.278)
6.750 (6.728) (6.531) (6.334) (6.138) 6.750 (6.728) (6.531) (6.334) (6.138) 6.750 (6.728) (6.531) (6.334) (6.138) 6.750 (6.728) (6.531) (6.334) (6.138)
6.625 (6.572) (6.380) (6.189) (5.997) 6.625 (6.572) (6.380) (6.189) (5.997) 6.625 (6.572) (6.380) (6.189) (5.997) 6.625 (6.572) (6.380) (6.189) (5.997)
6.500 (6.416) (6.229) (6.043) (5.856) 6.500 (6.416) (6.229) (6.043) (5.856) 6.500 (6.416) (6.229) (6.043) (5.856) 6.500 (6.416) (6.229) (6.043) (5.856)
6.375 (6.228) (6.047) (5.866) (5.684) 6.375 (6.228) (6.047) (5.866) (5.684) 6.375 (6.228) (6.047) (5.866) (5.684) 6.375 (6.228) (6.047) (5.866) (5.684)
6.250 (6.041) (5.865) (5.689) (5.513) 6.250 (6.041) (5.865) (5.689) (5.513) 6.250 (6.041) (5.865) (5.689) (5.513) 6.250 (6.041) (5.865) (5.689) (5.513)
6.125 (5.853) (5.682) (5.511) (5.341) 6.125 (5.853) (5.682) (5.511) (5.341) 6.125 (5.853) (5.682) (5.511) (5.341) 6.125 (5.853) (5.682) (5.511) (5.341)
6.000 (5.666) (5.500) (5.334) (5.169) 6.000 (5.666) (5.500) (5.334) (5.169) 6.000 (5.666) (5.500) (5.334) (5.169) 6.000 (5.666) (5.500) (5.334) (5.169)
5.875 (5.416) (5.255) (5.095) (4.934) 5.875 (5.416) (5.255) (5.095) (4.934) 5.875 (5.416) (5.255) (5.095) (4.934) 5.875 (5.416) (5.255) (5.095) (4.934)
5.750 (5.166) (5.011) (4.856) (4.700) 5.750 (5.166) (5.011) (4.856) (4.700) 5.750 (5.166) (5.011) (4.856) (4.700) 5.750 (5.166) (5.011) (4.856) (4.700)
5.625 (4.916) (4.766) (4.616) (4.466) 5.625 (4.916) (4.766) (4.616) (4.466) 5.625 (4.916) (4.766) (4.616) (4.466) 5.625 (4.916) (4.766) (4.616) (4.466)
5.500 (4.667) (4.522) (4.377) (4.232) 5.500 (4.667) (4.522) (4.377) (4.232) 5.500 (4.667) (4.522) (4.377) (4.232) 5.500 (4.667) (4.522) (4.377) (4.232)
5.375 (4.418) (4.278) (4.138) (3.999) 5.375 (4.418) (4.278) (4.138) (3.999) 5.375 (4.418) (4.278) (4.138) (3.999) 5.375 (4.418) (4.278) (4.138) (3.999)
5.250 (4.168) (4.034) (3.900) (3.765) 5.250 (4.168) (4.034) (3.900) (3.765) 5.250 (4.168) (4.034) (3.900) (3.765) 5.250 (4.168) (4.034) (3.900) (3.765)
5.125 (3.919) (3.790) (3.661) (3.532) 5.125 (3.919) (3.790) (3.661) (3.532) 5.125 (3.919) (3.790) (3.661) (3.532) 5.125 (3.919) (3.790) (3.661) (3.532)
5.000 (3.655) (3.531) (3.407) (3.283) 5.000 (3.655) (3.531) (3.407) (3.283) 5.000 (3.655) (3.531) (3.407) (3.283) 5.000 (3.655) (3.531) (3.407) (3.283)
4.875 (3.374) (3.255) (3.137) (3.018) 4.875 (3.374) (3.255) (3.137) (3.018) 4.875 (3.374) (3.255) (3.137) (3.018) 4.875 (3.374) (3.255) (3.137) (3.018)
4.750 (3.093) (2.979) (2.866) (2.752) 4.750 (3.093) (2.979) (2.866) (2.752) 4.750 (3.093) (2.979) (2.866) (2.752) 4.750 (3.093) (2.979) (2.866) (2.752)
4.625 (2.812) (2.703) (2.595) (2.487) 4.625 (2.812) (2.703) (2.595) (2.487) 4.625 (2.812) (2.703) (2.595) (2.487) 4.625 (2.812) (2.703) (2.595) (2.487)
4.500 (2.530) (2.427) (2.324) (2.221) 4.500 (2.530) (2.427) (2.324) (2.221) 4.500 (2.530) (2.427) (2.324) (2.221) 4.500 (2.530) (2.427) (2.324) (2.221)
4.375 (2.249) (2.151) (2.053) (1.955) 4.375 (2.249) (2.151) (2.053) (1.955) 4.375 (2.249) (2.151) (2.053) (1.955) 4.375 (2.249) (2.151) (2.053) (1.955)
4.250 (1.968) (1.875) (1.782) (1.690) 4.250 (1.968) (1.875) (1.782) (1.690) 4.250 (1.968) (1.875) (1.782) (1.690) 4.250 (1.968) (1.875) (1.782) (1.690)
4.125 (1.687) (1.599) (1.512) (1.424) 4.125 (1.687) (1.599) (1.512) (1.424) 4.125 (1.687) (1.599) (1.512) (1.424) 4.125 (1.687) (1.599) (1.512) (1.424)
4.000 (1.405) (1.323) (1.241) (1.158) 4.000 (1.405) (1.323) (1.241) (1.158) 4.000 (1.405) (1.323) (1.241) (1.158) 4.000 (1.405) (1.323) (1.241) (1.158)
3.875 (1.030) (0.948) (0.866) (0.783) 3.875 (1.030) (0.948) (0.866) (0.783) 3.875 (1.030) (0.948) (0.866) (0.783) 3.875 (1.030) (0.948) (0.866) (0.783)
3.750 (0.655) (0.573) (0.491) (0.408) 3.750 (0.655) (0.573) (0.491) (0.408) 3.750 (0.655) (0.573) (0.491) (0.408) 3.750 (0.655) (0.573) (0.491) (0.408)
3.625 (0.280) (0.198) (0.116) (0.033) 3.625 (0.280) (0.198) (0.116) (0.033) 3.625 (0.280) (0.198) (0.116) (0.033) 3.625 (0.280) (0.198) (0.116) (0.033)
3.500 0.095 0.177 0.259 0.342 3.500 0.095 0.177 0.259 0.342 3.500 0.095 0.177 0.259 0.342 3.500 0.095 0.177 0.259 0.342
3.375 0.470 0.552 0.634 0.716 3.375 0.470 0.552 0.634 0.716 3.375 0.470 0.552 0.634 0.716 3.375 0.470 0.552 0.634 0.716
Program Adjustments(1,3)
FICO/LTV Price Adjustments Notes:
Higher of LTV/CLTV <=55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 (1) All adjustments are cumulative.
FICO >=780 -1.500 -1.250 -0.750 -0.250 -0.250 0.000 1.250 1.500 (2) Prepayment penalties apply to Vest only. They are not permitted
FICO 760 - 779 -1.250 -1.000 -0.500 0.000 0.000 0.750 1.500 1.750 in MN, NJ, & NM or in PA on 1-2 units with a loan amount less than $263,975.
FICO 740 - 759 -0.500 -0.500 -0.250 0.000 0.000 0.750 1.750 2.500 Must select no prepay in these states. Base pricing assumes 3 yr.
FICO 720 - 739 -0.500 -0.250 0.000 0.500 0.750 1.000 2.250 2.500 (3) Guideline exceptions may require special pricing, as determined
FICO 700 - 719 -0.250 -0.250 0.000 0.500 0.750 1.750 2.750 3.500 on a case-by-case basis.
FICO 680 - 699 0.250 0.250 0.750 1.250 1.750 2.500 3.750 4.500 (4) Adjustment does not apply to Smart Vest.
FICO 660 - 679 0.750 1.000 1.500 2.000 2.500 3.250 4.500 N/A (5) Adjustment does not apply to Smart Edge or Self.
FICO 640 - 659 1.750 2.000 2.500 3.250 N/A N/A N/A N/A (6) Vest Arms are not allowed in PA on 1-2 units with a loan amount less than $263,975.
FICO 620 - 639 N/A N/A N/A N/A N/A N/A N/A N/A (7) 40 Yr IO is only available for a fixed term on Edge and Self. 40 Yr IO and IO adjustments
are cumulative.
Other Price Adjustments
Higher of LTV/CLTV <=55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 Max Lender Arm Arm Cap
Loan Type Price Fee Margin Index Structure
Interest Only 0.250 0.250 0.250 0.250 0.250 0.250 0.250 0.250 Smart Edge (2.950) $1,295 4.000 SOFR 2/2/6
40 Yr Interest Only(7) 0.250 0.250 0.250 0.250 0.250 0.250 0.250 0.250 Smart Self (2.950) $1,295 4.000 SOFR 2/2/6
Income Documentation Smart Vest (2.650) $1,295 5.000 SOFR 2/2/6
Full Doc -0.800 -0.800 -0.800 -0.800 -0.675 -0.675 -0.675 -0.675
12 Mo Bank Statement -0.300 -0.300 -0.300 -0.300 -0.300 -0.300 -0.300 -0.300
24 Mo Bank Statement -0.800 -0.800 -0.800 -0.800 -0.675 -0.675 -0.675 -0.675
DSCR (<=1.15)(5)
0.875 0.875 0.875 0.875 0.875 0.875 N/A N/A
DSCR (>1.15)(5)
0.875 0.875 0.875 0.875 0.875 0.875 N/A N/A
Occupancy
Owner Occupied 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
2nd Home(4)
0.250 0.250 0.250 0.250 0.250 0.250 0.250 0.250
NOO(4)
0.250 0.250 0.250 0.250 0.250 0.250 0.250 0.250
Seasoning
Forbearance<12 Mo 0.250 0.250 0.250 0.375 0.375 0.375 0.375 0.375
BK/FC/DIL/SS<48 Mo 0.250 0.250 0.250 0.375 0.625 1.000 1.500 2.500
Purpose
Cash Out Refi 0.250 0.250 0.300 0.350 0.400 0.450 1.000 2.000
Loan Size
LA >=2mm 0.375 0.375 0.375 0.375 0.375 0.375 0.375 0.375
LA <=150K 0.750 0.750 0.750 0.750 0.750 0.750 0.750 0.750
DTI
DTI (>45%)(4) 0.250 0.250 0.250 0.250 0.375 0.375 0.375 0.375
Property Type
2-4 Units 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500
NW Condo/Condotel 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500
Prepayment(2)
2 Year 0.375 0.375 0.375 0.375 0.375 0.375 0.375 0.375
1 Year 1.125 1.125 1.125 1.125 1.125 1.125 1.125 1.125
No Prepay 1.500 1.500 1.500 1.500 1.500 1.500 1.500 1.500
Other
Escrow Waiver 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125
Smart Series powered by Newrez
Pricing Effective: 10/22/2021 08:56 AM
Dream Big Jumbo As of 10/22/2021 8:56 AM
20/25/30 Yr Fixed Rate 15 Yr Fixed Rate
15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day
4.625 (1.891) (1.766) (1.641) (1.516) 3.750 (1.111) (0.986) (0.861) (0.736)
4.500 (1.821) (1.696) (1.571) (1.446) 3.625 (1.031) (0.906) (0.781) (0.656)
4.375 (1.718) (1.593) (1.468) (1.343) 3.500 (0.925) (0.800) (0.675) (0.550)
4.250 (1.595) (1.470) (1.345) (1.220) 3.375 (0.778) (0.653) (0.528) (0.403)
4.125 (1.454) (1.329) (1.204) (1.079) 3.250 (0.615) (0.490) (0.365) (0.240)
4.000 (1.289) (1.164) (1.039) (0.914) 3.125 (0.457) (0.332) (0.207) (0.082)
3.875 (1.097) (0.972) (0.847) (0.722) 3.000 (0.205) (0.080) 0.045 0.170
3.750 (0.903) (0.778) (0.653) (0.528) 2.875 0.106 0.231 0.356 0.481
3.625 (0.707) (0.582) (0.457) (0.332) 2.750 0.483 0.608 0.733 0.858
3.500 (0.487) (0.362) (0.237) (0.112) 2.625 0.835 0.960 1.085 1.210
3.375 (0.188) (0.063) 0.062 0.187 2.500 1.238 1.363 1.488 1.613
3.250 0.124 0.249 0.374 0.499
3.125 0.444 0.569 0.694 0.819
3.000 0.858 0.983 1.108 1.233
2.875 1.300 1.425 1.550 1.675
2.750 1.806 1.931 2.056 2.181
2.625 2.506 2.631 2.756 2.881
2.500 3.271 3.396 3.521 3.646
5/6 SOFR ARM 2/1/5 7/6 SOFR ARM 5/1/5 10/6 SOFR ARM 5/1/5
15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day
3.500 (0.797) (0.672) (0.547) (0.422) 3.625 (0.456) (0.331) (0.206) (0.081) 3.750 0.008 0.133 0.258 0.383
3.375 (0.784) (0.659) (0.534) (0.409) 3.500 (0.451) (0.326) (0.201) (0.076) 3.625 0.013 0.138 0.263 0.388
3.250 (0.751) (0.626) (0.501) (0.376) 3.375 (0.434) (0.309) (0.184) (0.059) 3.500 0.024 0.149 0.274 0.399
3.125 (0.686) (0.561) (0.436) (0.311) 3.250 (0.418) (0.293) (0.168) (0.043) 3.375 0.038 0.163 0.288 0.413
3.000 (0.634) (0.509) (0.384) (0.259) 3.125 (0.371) (0.246) (0.121) 0.004 3.250 0.075 0.200 0.325 0.450
2.875 (0.454) (0.329) (0.204) (0.079) 3.000 (0.302) (0.177) (0.052) 0.073 3.125 0.131 0.256 0.381 0.506
2.750 (0.258) (0.133) (0.008) 0.117 2.875 (0.085) 0.040 0.165 0.290 3.000 0.204 0.329 0.454 0.579
2.625 (0.021) 0.104 0.229 0.354 2.750 0.138 0.263 0.388 0.513 2.875 0.433 0.558 0.683 0.808
2.500 0.319 0.444 0.569 0.694 2.625 0.401 0.526 0.651 0.776 2.750 0.765 0.890 1.015 1.140
2.375 0.798 0.923 1.048 1.173 2.500 0.832 0.957 1.082 1.207 2.625 1.046 1.171 1.296 1.421
2.250 1.388 1.513 1.638 1.763 2.375 1.407 1.532 1.657 1.782 2.500 1.606 1.731 1.856 1.981
Product Adjustments
LTV Based Adjustments Max Price
<=55 55.01-60 60.01-65 65.01 - 70 70.01 - 75 75.01 - 80 80.01 - 85 85.01 - 89.99 20/25/30 Yr Fixed -1.700
680 - 699 0.000 0.125 0.250 0.500 0.750 1.250 1.500 1.750 15 Yr Fixed -1.700
700 - 719 (0.250) (0.125) 0.000 0.125 0.375 0.625 0.875 1.000 ARMs -1.700
720 - 739 (0.500) (0.375) (0.250) (0.125) 0.000 0.125 0.500 0.750
740 - 759 (0.625) (0.500) (0.375) (0.250) (0.250) (0.125) 0.250 0.500
760-779 (0.750) (0.625) (0.500) (0.375) (0.375) (0.250) 0.000 0.125 Arm Margin 2.750
>=780 (0.750) (0.750) (0.625) (0.500) (0.500) (0.375) (0.125) (0.125)
Purchase (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250)
Cash Out Refinance 0.000 0.000 0.000 0.250 0.500 0.750 NA NA
Non Owner Occupied 0.500 0.500 0.750 1.000 NA NA NA NA
Self Employed 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
> 80 LTV No MI NA NA NA NA NA NA 1.000 1.375
No Lender Fee options are available through the pricing engine online.
Pricing is subject to change without notice. NewRezWholesale.com (888) 988-1695
Higher of LTV/CLTV --->
FICO
Page 11
15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day 15 Day 30 Day 45 Day 60 Day
4.250 (2.668) (2.543) (2.418) (2.293) 4.250 (2.461) (2.336) (2.211) (2.086) 3.875 (2.153) (2.028) (1.903) (1.778)
4.125 (2.463) (2.338) (2.213) (2.088) 4.125 (2.205) (2.080) (1.955) (1.830) 3.750 (1.878) (1.753) (1.628) (1.503)
4.000 (2.257) (2.132) (2.007) (1.882) 4.000 (1.969) (1.844) (1.719) (1.594) 3.625 (1.624) (1.499) (1.374) (1.249)
3.875 (2.041) (1.916) (1.791) (1.666) 3.875 (1.734) (1.609) (1.484) (1.359) 3.500 (1.379) (1.254) (1.129) (1.004)
3.750 (1.825) (1.700) (1.575) (1.450) 3.750 (1.498) (1.373) (1.248) (1.123) 3.375 (1.119) (0.994) (0.869) (0.744)
3.625 (1.610) (1.485) (1.360) (1.235) 3.625 (1.272) (1.147) (1.022) (0.897) 3.250 (0.858) (0.733) (0.608) (0.483)
3.500 (1.414) (1.289) (1.164) (1.039) 3.500 (1.046) (0.921) (0.796) (0.671) 3.125 (0.595) (0.470) (0.345) (0.220)
3.375 (1.123) (0.998) (0.873) (0.748) 3.375 (0.705) (0.580) (0.455) (0.330) 3.000 (0.331) (0.206) (0.081) 0.044
3.250 (0.862) (0.737) (0.612) (0.487) 3.250 (0.365) (0.240) (0.115) 0.010 2.875 (0.078) 0.047 0.172 0.297
3.125 (0.424) (0.299) (0.174) (0.049) 3.125 0.091 0.216 0.341 0.466 2.750 0.165 0.290 0.415 0.540
3.000 (0.153) (0.028) 0.097 0.222 3.000 0.527 0.652 0.777 0.902 2.625 0.424 0.549 0.674 0.799
2.875 0.210 0.335 0.460 0.585 2.875 1.015 1.140 1.265 1.390 2.500 0.859 0.984 1.109 1.234
2.750 0.841 0.966 1.091 1.216 2.750 1.546 1.671 1.796 1.921 2.375 1.418 1.543 1.668 1.793
2.625 1.472 1.597 1.722 1.847 2.625 2.077 2.202 2.327 2.452 2.250 2.048 2.173 2.298 2.423
LTV% --> < =60 60.01-65 65.01-70 75.01-80 State LLPA LLPA State LLPA
>= 800 (0.500) (0.500) (0.500) (0.125) AK (0.150) KY (0.031) NY (0.050)
780 - 799 (0.500) (0.500) (0.500) 0.000 AL (0.150) LA (0.150) OH 0.017
760 - 779 (0.500) (0.375) (0.375) 0.125 AR (0.045) MA 0.056 OK (0.150)
740 - 759 (0.375) (0.250) (0.250) 0.250 AZ 0.130 MD (0.150) OR (0.009)
720 - 739 (0.250) (0.125) 0.250 0.750 CA 0.050 ME 0.002 PA (0.150)
700 - 719 0.000 0.125 0.625 1.500 CO 0.150 MI 0.150 RI 0.021
680 - 699 0.000 0.375 1.250 2.625 CT (0.150) MN (0.032) SC (0.150)
DC 0.009 MO 0.078 SD 0.150
DE (0.150) MS 0.000 TN (0.095)
LTV% --> < =60 60.01-65 65.01-70 75.01-80 FL (0.150) MT 0.002 TX (0.150)
>= 800 (0.375) (0.375) (0.250) n/a GA 0.002 NC 0.004 UT (0.006)
780 - 799 (0.375) (0.375) (0.250) n/a HI (0.150) ND (0.075) VA (0.150)
760 - 779 (0.250) (0.125) 0.000 n/a IA 0.150 NE 0.150 VT (0.002)
740 - 759 0.000 0.125 0.125 n/a ID 0.028 NH 0.003 WA (0.063)
720 - 739 n/a n/a n/a n/a IL 0.083 NJ (0.150) WI 0.150
700 - 719 n/a n/a n/a n/a IN 0.032 NM (0.150) WV (0.051)
680 - 699 n/a n/a n/a n/a KS (0.047) NV 0.025 WY (0.066)
< =60 60.01-65 65.01-70 75.01-80
0.000 0.000 0.000 0.375
0.000 0.250 0.375 n/a
2.000 2.500 n/a n/a
n/a n/a n/a n/a
0.250 0.500 n/a n/a
n/a n/a n/a n/a
2 Not applicable for detached condominiums or site condominiums
0.250
No Lender Fee options are available through the pricing engine online.
Pricing is subject to change without notice NewRezWholesale.com (888) 988-1695
3-4 Unit n/a
Escrow Waiver - except CA 0.250 0.250 0.250 0.250
Investment n/a
Cashout n/a
2-Unit n/a
Condo2 0.125 15 Yr Fixed -2.075
2nd Home n/a
n/a
n/a
n/a
Feature Adjustments Max Price
LTV% --> 70.01-75 20/30 Yr Fixed -2.075
0.500
1.250
2.375
FICO/LTV Adjustments - Loan Amount > $1.5MM
70.01-75
FICO
0.125
0.250
0.375
0.625
Jumbo Series D Adjustments
FICO/LTV Adjustments - Loan Amount ≤ $1.5MM State Adjustments
70.01-75 State
FICO
(0.250)
(0.125)
0.000
0.125
Illinois Wholesale Rate Sheet
as of 10/22/2021 9:29 AM
Jumbo Series D
Jumbo D - 30 Yr Fixed Jumbo D - 20 Yr Fixed Jumbo D - 15 Yr Fixed
Page 12
9:08:11 AM
15 Day 30 Day 45 Day 60 Day
3.875 (2.568) (2.415) (2.262) (2.109)
3.750 (2.386) (2.238) (2.090) (1.942)
3.625 (2.126) (1.983) (1.840) (1.697)
3.500 (1.799) (1.662) (1.524) (1.387)
3.375 (1.420) (1.288) (1.156) (1.023)
3.250 (1.001) (0.873) (0.746) (0.619)
3.125 (0.553) (0.431) (0.309) (0.187)
3.000 (0.089) 0.028 0.144 0.261
2.875 0.749 0.861 0.972 1.084
2.750 1.971 2.077 2.183 2.290
≤ 50 50.01-55 55.01-60 65.01-70 70.01-75 75.01-80
(0.500) (0.438) (0.375) (0.313) (0.250) (0.188) 0.000
(0.438) (0.375) (0.313) (0.250) (0.188) (0.125) 0.188
(0.375) (0.313) (0.250) (0.188) (0.125) 0.125 0.500
(0.313) (0.250) (0.188) (0.125) 0.000 0.250 0.750
(0.250) (0.188) (0.125) 0.000 0.250 0.500 1.125
(0.188) (0.125) (0.063) 0.125 0.500 0.875 1.625
(0.125) (0.063) 0.000 0.313 NA NA NA
≤ 50 50.01-55 55.01-60 65.01-70 70.01-75 75.01-80
(0.375) (0.313) (0.250) (0.188) (0.125) 0.000 N/A
(0.313) (0.250) (0.188) (0.125) (0.063) 0.125 N/A
(0.250) (0.188) (0.125) (0.063) 0.125 0.375 N/A
(0.188) (0.125) (0.063) 0.000 0.313 0.625 N/A
(0.125) (0.063) 0.000 0.125 0.500 1.000 N/A
(0.063) 0.000 0.063 0.250 0.875 1.500 N/A
N/A N/A N/A N/A N/A N/A N/A
≤ 50 50.01-55 55.01-60 65.01-70 70.01-75 75.01-80
(0.125) (0.125) (0.125) (0.125) (0.125) (0.125)
0.000 0.125 0.188 0.375 0.438 N/A
0.250 0.375 0.750 1.500 2.000 3.000
0.000 0.000 0.063 0.125 0.125 0.125
0.000 0.000 0.125 0.188 0.250 0.375DTI>40 0.188
No Lender Fee options are available through the pricing engine online.
2nd Home 0.313
2-4 Units 1.000
Condo 0.125
680-699
Other Adjustments
CLTV --> 60.01-65
Purchase (0.125)
≥800
780-799
760-779
740-759
720-739
700-719
Credit Score - Cash Out Maximum Prices
CLTV --> 60.01-65 30 Year Fixed (1.200)
≥800
780-799
760-779
740-759
Non-California Special (0.250)720-739
700-719
680-699
Illinois Wholesale Rate Sheet
as of 10/22/21
Jumbo Series I
Jumbo I - 30 Yr Fixed
Jumbo Series I Adjustments
Credit Score - Purchase / Rate & Term
Escrow Waiver (All or None Waiver)
Excluding CA, NC, DC, NY0.125
CLTV --> 60.01-65
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