This document contains an interest rate sheet for various mortgage loan programs, with rates depending on the borrower's credit score, loan-to-value ratio, and other factors. It lists adjustable interest rates for 2-year and 3-year fixed rate loans, with rates ranging from around 6% to over 12% depending on the borrower's credit profile. Various adjustments are also shown that can increase or decrease the rate depending on the loan amount, property type, income documentation type, and other loan details.

1. Effective 7/12/2006
Stated Doc - 2 year fixed
2 year prepay penalty
Score Advantage Lending Program
Rate Sheet | Area 1: AZ, CA, DC, ID, ND, NV,
OR, VT, WA, WV
call your account executive:
Full Doc - 2 year fixed
2 year prepay penalty
680 6.60 6.70 6.75 6.99 7.15 7.35 7.85 7.10 7.25 7.35 7.45 7.55 7.95
660 6.65 6.75 6.85 7.05 7.20 7.55 7.95 7.20 7.40 7.45 7.60 7.90 8.30
640 6.75 6.85 6.95 7.15 7.35 7.60 8.05 7.30 7.45 7.55 7.70 7.99 8.40
620 6.80 6.90 6.99 7.20 7.55 7.75 8.30 7.40 7.60 7.80 7.99 8.30 8.65
600 6.85 6.95 7.10 7.30 7.60 7.80 8.40 7.55 7.75 7.90 8.20 8.60 8.95
580 6.99 7.10 7.20 7.40 7.70 8.25 9.05 7.85 7.95 8.10 8.30 8.65 9.10
550 7.30 7.45 7.55 7.80 8.25 8.85 - 8.05 8.20 8.35 8.65 8.99 -
525 8.05 8.15 8.25 8.45 8.70 - - 8.60 8.80 8.99 9.45 9.65 -
500 8.55 8.65 8.75 9.05 9.40 - - 9.25 9.60 9.80 10.05 - -
680 6.70 6.80 6.90 7.05 7.30 7.50 7.99 7.20 7.35 7.50 7.75 7.90 8.35
660 6.75 6.85 6.95 7.15 7.35 7.60 8.05 7.35 7.45 7.70 7.95 8.10 8.45
640 6.85 6.95 7.05 7.25 7.45 7.65 8.30 7.50 7.60 7.80 8.05 8.20 8.55
620 7.05 7.10 7.15 7.35 7.65 7.80 8.40 7.80 7.90 7.95 8.15 8.35 8.70
600 7.10 7.25 7.30 7.50 7.75 7.85 8.50 7.90 7.95 8.15 8.35 8.65 8.99
580 7.20 7.30 7.50 7.80 8.10 8.50 - 8.10 8.20 8.35 8.75 8.95 9.40
550 7.75 7.85 7.95 8.35 8.55 8.90 - 8.45 8.65 8.90 9.35 9.70 -
525 8.10 8.20 8.55 8.70 8.90 - - 8.99 9.10 9.40 9.85 - -
500 8.60 8.70 8.90 9.10 9.45 - - 9.55 9.75 9.95 10.20 - -
680 6.75 6.85 6.95 7.10 7.35 7.60 8.15 7.30 7.45 7.60 7.85 8.30 -
660 6.85 6.95 7.05 7.20 7.45 7.70 8.20 7.50 7.60 7.75 7.99 8.35 -
640 7.05 7.10 7.20 7.30 7.50 7.80 8.35 7.70 7.80 7.95 8.20 8.40 -
620 7.15 7.20 7.30 7.45 7.70 7.90 8.55 7.85 7.95 7.99 8.35 8.60 -
600 7.25 7.30 7.40 7.55 7.80 8.10 8.90 7.95 7.99 8.20 8.50 8.95 -
580 7.40 7.45 7.65 7.90 8.20 8.70 - 8.25 8.35 8.55 8.80 9.20 -
550 7.90 7.99 8.10 8.40 8.65 9.15 - 8.65 8.75 9.10 9.50 9.75 -
525 8.40 8.55 8.70 8.90 9.20 - - 9.15 9.25 9.45 10.15 - -
500 8.80 8.95 9.10 9.30 9.70 - - 9.75 9.90 10.15 - - -
680 6.85 6.95 7.05 7.20 7.55 7.99 - 7.40 7.55 7.70 7.99 8.45 -
660 6.95 7.05 7.15 7.25 7.65 8.15 - 7.70 7.75 7.85 8.10 8.60 -
640 7.15 7.25 7.30 7.50 7.95 8.25 - 7.80 7.90 8.05 8.30 8.70 -
620 7.25 7.30 7.40 7.60 8.05 8.45 - 7.95 8.05 8.20 8.45 8.80 -
600 7.40 7.50 7.55 7.70 8.20 8.70 - 8.20 8.25 8.40 8.60 9.10 -
580 7.70 7.75 7.90 8.20 8.50 9.05 - 8.40 8.55 8.65 8.99 9.30 -
550 8.20 8.30 8.45 8.60 8.80 - - 8.75 8.85 9.25 9.85 - -
525 8.55 8.65 8.75 8.99 9.55 - - 9.20 9.30 9.60 10.50 - -
500 9.05 9.15 9.20 9.50 10.15 - - 10.20 10.35 10.45 - - -
680 6.90 6.99 7.10 7.25 7.75 - - 7.45 7.60 7.75 - - -
660 7.10 7.20 7.35 7.50 7.95 - - 7.75 7.85 7.99 - - -
640 7.20 7.30 7.45 7.55 7.99 - - 7.85 7.95 8.10 - - -
620 7.30 7.40 7.55 7.65 8.10 - - 8.05 8.20 8.25 - - -
600 7.45 7.55 7.60 7.75 8.25 - - 8.25 8.30 8.45 - - -
580 7.80 7.85 7.95 8.25 8.55 - - 8.45 8.60 8.70 - - -
550 8.25 8.35 8.50 8.70 8.85 - - 8.85 8.95 9.30 - - -
525 8.60 8.70 8.80 9.05 9.65 - - 9.25 9.35 9.65 - - -
500 9.10 9.20 9.30 9.55 - - - 10.25 10.40 10.50 - - -
680 7.25 7.35 7.45 7.65 - - - 7.50 7.80 - - - -
660 7.40 7.50 7.60 7.80 - - - 7.80 7.95 - - - -
640 7.45 7.55 7.65 7.85 - - - 7.90 8.05 - - - -
620 7.60 7.70 7.90 7.99 - - - 8.10 8.25 - - - -
600 7.70 7.80 7.99 8.15 - - - 8.35 8.40 - - - -
580 7.95 8.05 8.20 8.40 - - - 8.60 8.70 - - - -
550 8.50 8.65 8.80 - - - - 9.05 9.50 - - - -
525 8.75 8.95 9.15 - - - - 9.90 10.25 - - - -
500 9.20 9.45 9.65 - - - - 10.50 10.75 - - - -
680 9.25 10.15 - - - - - - - - - - -
660 9.55 10.40 - - - - - - - - - - -
640 9.65 10.55 - - - - - - - - - - -
620 9.75 10.65 - - - - - - - - - - -
600 9.85 10.75 - - - - - - - - - - -
580 9.95 10.85 - - - - - - - - - - -
550 10.70 11.15 - - - - - - - - - - -
525 10.80 11.99 - - - - - - - - - - -
500 11.15 12.15 - - - - - - - - - - -
A
1 x 30 last 12 mos.
margin: 6.10
A+
0 x 30 last 12 mos.
margin: 5.95
A-
3 x 30 last 12 mos.
margin: 6.25
MORTGAGE CREDIT LOAN TO VALUE LOAN TO VALUE
LATES SCORE 65% 70% 75% 80% 85% 90% 95% 65% 70% 75% 80% 85% 90%
B+
4 x 30 last 12 mos.
margin: 6.45
B
1 x 60 last 12 mos.
margin: 6.50
C+
1 x 90 last 12 mos.
margin: 6.75
C
1 x 120 last 12 mos.
margin: 6.99
MAXIMUM DEBT RATIO: 55 55 55 50 50 50 50 50 50 50 50 50 50
RATE ADJUSTMENTS
INCOME DOCUMENTATION
Limited Doc (bank statements) +0.125
Lite Doc (six months) +0.25
LOAN SIZE
<$50,000 +0.75
$50,001 - $75,000 +0.50
$75,001 - $250,000 +0.00
$250,001 - $650,000 -0.25
>$650,001 +0.50
PROPERTY TYPES
Condo +0.25
Non-Owner Occupied +1.00
Second Home +0.25
3-4 Units +0.50
LENDER PAID BROKER FEE
0.50 LPBF +0.25
1.00 LPBF +0.50
1.50 LPBF +0.875
2.00 LPBF +1.25
Loans > $650,000 limited to 1 LPBF
1 point Buydown -0.50
PREPAYMENT PENALTY
Prepay Buyout +1.00
Prepay Buydown +0.50
(per year, max 1 year)
LOAN PROGRAMS (3 YR PREPAY PENALTY)
3 Year Fixed Rate +0.00
5 Year Fixed Rate +0.50
15 Year Fixed Rate +0.50
20 Year Fixed Rate +0.50
30 Year Fixed Rate +0.60
BANKRUPTCY
BK discharged < 1 yr +0.25
OTHER
40 Year Amortization +0.10
Interest Only +0.25
High Score Adv. - Full/Lite Doc +0.25
High Score Adv. - Stated Doc +0.35
100% CLTV or Secondary Financing +0.25
Stated Wage Earner +0.30
Buyout Fees +0.50
Mortgage Only +1.00
Maximum margin is 6.99 (including adjustments).
Final rate determined at time Docs are drawn.
Minimum Rate
If a lower rate is not specifically listed on
the rate sheet, use this as the floor rate.
2/3 Year 30 Year
A+ 6.30 6.90
A 6.40 6.99
A - 6.45 7.05
B+ 6.55 7.15
B 6.60 7.20
C+ 6.95 7.55
C 8.95 9.55
All programs, terms and rates are subject to change without notice and certain restrictions apply (call your Account Executive for details). (LIBOR rates are subject to change daily.) Consult the money rates section of the Wall Street Journal for the current
index rate. This sheet is intended for use of mortgage professionals only and is not to be distributed to members of the general public. Equal Housing Lender. Department of Corporations, California Finance Lenders License.
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Program not available in AL, TX
Program not available for Correspondent loans in GA, ND, VT, WV