Agency Conforming Fixed Rate Products Agency 30 Year Fixed Agency 20 Year Fixed APR APR Non-Escrowed Loans ***No charge for non-escrowed loans*** 3.250 1.000 3.445 State Adjustment Zone 1: 3.375 0.250 3.513 Loan Amount $250,000 - $299,999 0.125 KY, MI, 3.500 (CA, AL, AR, AZ, CT, IA, IN, 995 Lender Fee 3.549 3.125 995 Lender Fee 3.191 NC, ND, NV, SD, WI, VA) Standard Adjustments. Applies to 10, 15, 20 & 30 Year Fixed Products Criteria (CO, FL, GA, HI, ID, IL, KS, LA, NE, NH, NJ, Loan Amount $300,000 - $349,999 0.125 3.500 Roll Down 3.500 3.250 Roll Down 3.250 2-4 Unit Properties 0.250 Agency 15 Year Fixed Agency 10 Year Fixed APR APR Investment Property LTV <= 75% 0.625 2.625 2.903 Investment Property LTV >= 75.01% 1.000 2.750 0.250 2.994 2.500 1.250 3.057 10 or 15 Year - FICO <740 0.125 2.875 995 Lender Fee 2.959 2.625 995 Lender Fee 2.746 2.875 Roll Down 2.875 2.750 Roll Down 2.750 ***No cost 45 day rate lock available on Purchase transactions!!! The Roll Down is our no closing cost loan. No Closing Cost Loans are not available in Washington. It is available on refinance transactions only. CashCall Mortgage will pay all of the Borrower's closing costs except: Prepaid interest, property taxes, state mortgage taxes, lender payoff fees and any type of insurance. Minimum loan amount in California is $200,000. Minimum loan amount in all other states is $250,000. charge a flat $995 Origination Fee to cover all Lender s costs. The borrower(s) will be responsible for paying all third party charges, including but not limited to: discount points paid to buy down the interest rate or to cover loan level pricing adjustments, appraisal fees, credit report fees, flood certification fees, notary/signing fees, charges for title insurance and related fees, escrow/closing fees, attorney fees and recording fees. The borrower is also responsible for paying prepaid interest, property taxes, state mortgage and transfer taxes, insurance, mortgage insurance and existing lender payoff(s) and associated fees. The $995 Lender Fee option is not available in the state of New Jersey. Agency FICO/LTV Grid Applies to 20, 25 & 30 Year Fixed Products <=60 60.01-70 70.01-75 75.01-80 80.01-85 85.01-95 95.01-97 740+ 0.125 0.125 0.125 0.125 0.125 0.250 720-739 0.125 0.125 0.250 0.250 0.250 0.250 700-719 0.125 0.250 0.250 0.250 0.250 0.375 680-699 0.125 0.375 0.375 0.375 0.375 660-679 0.250 0.875 0.875 0.625 640-659 0.125 0.375 0.750 0.875 0.875 0.750 0.625 620-639 0.125 0.375 0.750 0.875 0.875 0.875 0.750 Agency Fixed Cashout Refi FICO/LTV Grid Applies to All Conventional Products <=60 60.01-75 75.01-80 740+ 0.125 0.250 0.375 700-739 0.125 0.375 0.375 680-699 0.125 0.375 0.375 660-679 0.250 0.375 640-659 0.250 0.375 0.750 620-639 0.250 0.375 0.750 The 2-1 Buydown program is for a 30 and 15 year fixed-rate fully amortizing loan with a 2-1-0 lender paid buydown. A portion of each monthly payment for the first 24 months will be paid by CashCall Mortgage (Lender) to supplement the buyer s required monthly payments. The required monthly payments for the first 12 months are calculated using an interest rate 2% below the note rate. The required payments for monthly 13-24 are calculated using an interest rate 1% below the note rate. After the 24th month, the interest rate will be calculated based on the Note rate. Only eligible for the following transaction types: Principle Residence and Second Homes. Ineligible transaction types include: Investor Properties and Cash-Out Refinance. Fannie Mae Fixed Rate High Balance Products - Loans up to $625,500 in Select Areas Fannie Mae High Balance 30 Year Fixed Fannie Mae High Balance 15 Year Fixed Fannie Mae High Balance 10 Year Fixed APR APR APR 2.750 1.250 3.057 3.500 1.500 3.767 2.875 3.077 2.750 1.250 3.198 3.625 995 Lender Fee 3.674 2.990 995 Lender Fee 3.092 2.875 995 Lender Fee 2.943 3.625 Roll Down 3.625 2.990 Roll Down 2.990 2.875 Roll Down 2.875 ***No cost 45 day rate lock available on Purchase transactions!!! The Roll Down is our no closing cost loan. No Closing Cost Loans are not available in Washington. It is available on refinance transactions only. CashCall Mortgage will pay all of the Borrower's closing costs except: Prepaid interest, property taxes, state mortgage taxes, lender payoff fees and any type of insurance. Fannie Mae High Balance Adjusters Add to Conforming Fixed Rate Adjusters Above Cash Out Refi LTV<=80% 0.250 Purchases or Limited Cash Out LTV>60% 0.125 charge a flat $995 Origination Fee to cover all Lender s costs. The borrower(s) will be responsible for paying all third party charges, including but not limited to: discount points paid to buy down the interest rate or to cover loan level pricing adjustments, appraisal fees, credit report fees, flood certification fees, notary/signing fees, charges for title insurance and related fees, escrow/closing fees, attorney fees and recording fees. The borrower is also responsible for paying prepaid interest, property taxes, state mortgage and transfer taxes, insurance, mortgage insurance and existing lender payoff(s) and associated fees. The $995 Lender Fee option is not available in the state of New Jersey. The 2-1 Buydown program is for a 30 and 15 year fixed-rate fully amortizing loan with a 2-1-0 lender paid buydown. A portion of each monthly payment for the first 24 months will be paid by CashCall Mortgage (Lender) to supplement the buyer s required monthly payments. The required monthly payments for the first 12 months are calculated using an interest rate 2% below the note rate. The required payments for monthly 13-24 are calculated using an interest rate 1% below the note rate. After the 24th month, the interest rate will be calculated based on the Note rate. Only eligible for the following transaction types: Principle Residence and Second Homes. Ineligible transaction types include: Investor Properties and Cash-Out Refinance.
Rate Sheet DU Refi Plus 125.01% - 200% LTV DU Refi Plus 30 Year Fixed DU Refi Plus DU Refi Plus DU Refi Plus High Balance 30 Year Fixed Applies to DU Refi Plus Conforming and High Balance Products FICO/LTV GRID--Conforming and Agency High Balance products APR APR >125 (Terms > 15 years) Non-Escrowed 720+ Loans *No charge for non-escrowed loans* State Adjustment Zone 1: 680-719 0.125 3.500 995 Lender Fee 3.549 3.875 995 Lender Fee 3.926 660-679 0.375 Loan Amount $250,000 - $299,999 0.125 (CA, AL, AR, AZ, CT, IA, IN, KY, MI, NC, ND, NV, SD, WI, VA) 640-659 620-639 0.625 (CO, FL, GA, HI, ID, IL, KS, LA, NE, 3.625 Roll Down 3.625 3.990 Roll Down 3.990 Loan Amount $300,000 - $349,999 0.125 NH, NJ, NM, OH, OK, OR, PA, SC, TN, TX, WV) DU Refi Plus 10 or 15 Year Fixed DU Refi Plus High Balance 10 or 15 Year Fixed APR APR High LTV > 125% 0.250 2.875 1.250 3.273 2.990 995 Lender Fee 3.087 2.990 995 Lender Fee 3.087 2-4 Units 0.250 FICO < 640 0.125 High Balance Adjustment 0.125 10 Year - DTI > 45% 3.125 Roll Down 3.125 3.125 Roll Down 3.125 10 or 15 Year - FICO <740 0.125 charge a flat $995 Origination Fee to cover all Lender s costs. The borrower(s) will be responsible for paying all third party charges, including but not limited to: discount points paid to buy down the interest rate or to cover loan level pricing adjustments, appraisal fees, credit report fees, flood certification fees, notary/signing fees, charges for title insurance and related fees, escrow/closing fees, attorney fees and recording fees. The borrower is also responsible for paying prepaid interest, property taxes, state mortgage and transfer taxes, insurance, mortgage insurance and existing lender payoff(s) and associated fees. The $995 Lender Fee option is not available in the state of New Jersey. DU Refi Plus 30 Year Fixed DU Refi Plus High Balance 30 Year Fixed APR APR DU Refi Plus 105.01-125% LTV DU Refi Plus DU Refi Plus Applies to All Fixed Rate Conforming and Agency High Balance Products FICO/LTV GRID--Conforming and Agency High Balance products Criteria 105.01-125 (Terms > 15 years) Non-Escrowed for non-escrowed 3.375 1.750 3.631 Loans *No charge loans* 720+ 3.500 Lender 3.549 State Adjustment Zone 1: 680-719 0.125 995 Fee 3.875 995 Lender Fee 3.926 (CA, AL, AR, AZ, CT, IA, IN, KY, 660-679 0.375 Loan Amount $250,000 - $299,999 0.125 MI, NC, ND, NV, SD, WI, VA) 640-659 620-639 0.625 (CO, FL, GA, HI, ID, IL, KS, LA, NE, 3.625 Roll Down 3.625 3.990 Roll Down 3.990 Loan Amount $300,000 - $349,999 0.125 NH, NJ, NM, OH, OK, OR, PA, SC, TN, TX, WV) DU Refi Plus 10 or 15 Year Fixed DU Refi Plus High Balance 10 to 15 Year Fixed APR APR High LTV > 105% 0.250 2.875 1.000 3.237 2.875 1.500 3.308 2.990 995 Lender Fee 3.087 2.990 995 Lender Fee 3.087 2-4 Units 0.250 FICO < 640 0.125 High Balance Adjustment 0.125 3.125 Roll Down 3.125 3.125 Roll Down 3.125 10 Year - DTI > 45% Refi Plus High Balance loan limits up to $625,500 in selected counties. Unlimited LTV subject to Fannie Mae Desktop underwriting approval. 20 and 25 year terms are priced the same as 30 year term. The Roll Down is our no closing cost loan. No Closing Cost Loans are not available in Washington. It is available on refinance transactions only. CashCall Mortgage will pay all of the Borrower's closing costs except: Prepaid interest, property taxes, state mortgage taxes, lender payoff fees and any type of insurance. Minimum loan amount in California is $200,000. Minimum loan amount in all other states is $250,000. 10 or 15 Year - FICO <740 0.125 charge a flat $995 Origination Refi Plus High Balance loan limits up to $625,500 in selected counties. Unlimited LTV subject to Fannie Mae Desktop Fee to cover all Lender s costs. The borrower(s) will be responsible for paying all third party charges, including but not limited to: underwriting approval. 20 and 25 year terms are priced the same as 30 year term. The Roll Down is our no closing cost discount points paid to buy down the interest rate or to cover loan level pricing adjustments, appraisal fees, credit report fees, flood loan. No Closing Cost Loans are not available in Washington. It is available on refinance transactions only. CashCall certification fees, notary/signing fees, charges for title insurance and related fees, escrow/closing fees, attorney fees and recording Mortgage will pay all of the Borrower's closing costs except: Prepaid interest, property taxes, state mortgage taxes, fees. The borrower is also responsible for paying prepaid interest, property taxes, state mortgage and transfer taxes, insurance, mortgage insurance and existing lender payoff(s) and associated fees. The $995 Lender Fee option is not available in the state of lender payoff fees and any type of insurance. Minimum loan amount in California is $200,000. Minimum loan amount in New Jersey. all other states is $250,000. DU Refi Plus LTV's up to 105.00% DU Refi Plus DU Refi Plus 30 Year Fixed DU Refi Plus High Balance 30 Year Fixed Applies to All Fixed Rate Conforming and Agency High Balance Products APR APR 3.250 1.250 3.465 Criteria 3.375 3.533 Non-Escrowed non-escrowed 3.500 1.500 3.739 Loans *No charge for loans* 3.500 995 Lender Fee 3.549 3.625 995 Lender Fee 3.674 State Adjustment Zone 1: (CA, AL, AR, AZ, CT, IA, IN, KY, MI, Loan Amount $250,000 - $299,999 0.125 NC, ND, NV, SD, WI, VA) 3.500 Roll Down 3.500 3.625 Roll Down 3.625 (CO, FL, GA, HI, ID, IL, KS, LA, NE, NH, NJ, Loan Amount $300,000 - $349,999 0.125 DU Refi Plus 10 or 15 Year Fixed DU Refi Plus High Balance 10 to 15 Year Fixed APR APR 2.625 0.750 2.948 2.750 1.250 3.145 High LTV > 95% 0.250 2.750 0.250 3.005 2.875 3.167 Investment Property LTV <= 75% 0.625 2.875 995 Lender Fee 2.971 2.990 995 Lender Fee 3.087 Investment Property LTV > 75% 1.000 Attached Condo LTV Year 0.250 >75% Term > 15 2-4 Units 0.250 Subordinate Financing CLTV <= 75% 0.250 2.875 Roll Down 2.875 2.990 Roll Down 2.990 charge a flat $995 Origination Fee to cover all Lender s costs. The borrower(s) will be responsible for paying all third party charges, including but not limited to: discount points paid to buy down the interest rate or to cover loan level pricing adjustments, appraisal fees, credit report fees, flood certification fees, notary/signing fees, charges for title insurance and related fees, escrow/closing fees, attorney fees and recording fees. The borrower is also responsible for paying prepaid interest, property taxes, state mortgage and transfer taxes, insurance, mortgage insurance and existing lender payoff(s) and associated fees. The $995 Lender Fee option is not available in the state of New Jersey. Refi Plus High Balance loan limits up to $625,500 in selected counties. Unlimited LTV subject to Fannie Mae Desktop underwriting approval. 20 and 25 year terms are priced the same as 30 year term. The Roll Down is our no closing cost loan. No Closing Cost Loans are not available in Washington. It is available on refinance transactions only. CashCall Mortgage will pay all of the Borrower's closing costs except: Prepaid interest, property taxes, state mortgage taxes, lender payoff fees and any type of insurance. Minimum loan amount in California is $200,000. Minimum FICO < 640 0.125 High Balance Adjustment 0.125 10 Year - DTI > 45% DU Refi Plus FICO/LTV GRID--Conforming and Agency High Balance products (Terms > 15 years) <=60 60.01-70 70.01-75 75.01-80 80.01-95 95.01-105 720+ 0.125 0.125 0.125 700-719 0.125 0.250 0.250 0.250 0.125 680-699 0.125 0.250 0.250 0.250 0.125 660-679 0.250 0.375 0.375 0.375 640-659 0.125 0.375 0.625 620-639 0.125 0.375 0.625 0.625 0.750 0.625
FHA Fixed Rate Products FHA 30 Year Fixed FHA 15 Year Fixed FHA High Balance 30 Year Fixed APR APR APR 3.375 Roll Down 4.044 3.125 Roll Down 3.792 3.500 Roll Down 4.172 3.375 Roll Down 4.044 3.125 Roll Down 3.792 3.500 Roll Down 4.172 The Roll Down is our no closing cost loan. No Closing Cost Loans are not available in Washington. It is available on refinance transactions only. CashCall Mortgage will pay all of the Borrower's closing costs except: FHA mortgage insurance premium, prepaid interest, property taxes, state mortgage taxes, lender payoff fees and any type of insurance. Minimum loan amount in California is $200,000. Minimum Higher-Priced Mortgage Loans (HPML) current maximum APR is at 5.94%. Standard Adjustments Applies to FHA Products Criteria Non-Escrowed Loans ***No charge for non-escrowed loans*** Loan Amount $250,000 - $299,999 0.125 Loan Amount $150,000 - $199,999 0.375 Loan Amount $100,000 - $149,999 Loan Amount $75,000 - $99,999 0.625 FHA FICO Grid Applies to All FHA Products Fico Range 640-659 0.125 620-639 0.250 600-619 580-599 0.750 FHA Adjustable Rate Mortgage Product Standard Adjustments FHA 5/1 ARM FHA 5/1 ARM HIGH BALANCE Applies to FHA ARM Products APR APR Add to Points 3.750 Roll Down #N/A 3.750 Roll Down #N/A Property Units > 2 Investment Property 0.750 3.750 Roll Down #N/A 3.750 Roll Down #N/A FHA ARM FICO Grid Applies to FHA 5/1 ARM Product Fico Range Add to Points 660-679 640-659 0.250 0.375 The Roll Down is our no closing cost loan. It is available on refinance transactions only. CashCall will pay all of the Borrower's closing costs except: Prepaid interest, property taxes, state mortgage taxes, lender payoff fees and any type of insurance. Minimum loan amount in California is $300,000. Minimum loan amount in all other states is $350,000. 620-639 600-619 580-599 550-579 0.625 1.500 1.875 3.625 This is an Adjustable-Rate Mortgage after the initial 5 year fixed interest period; payment and interest can significantly 500-549 3.875 increase. The interest rate listed is for the initial 5 year fixed interest period, after that the interest rate and APR is based upon the fully indexed rate (index + margin). The present fully indexed rate is <Index + Margin>. Your interest rate and payment can change yearly, after the initial 5 fixed interest period. FHA ARM FICO Grid Applies to FHA 5/1 ARM High Balance Product FHA ARM 1 Year CMT Index: 0.1000 Fico Range Add to Points 660-679 640-659 0.625 620-639 0.875 600-619 1.750 580-599 2.125 550-579 3.625 500-549 3.875
LP Open Access 30 Year Fixed LP Open Access 15 Year Fixed Standard Adjustments. Applies to 10, 15, 20 & 30 Year Fixed Products Criteria Non-Escrowed ***No charge loans*** APR APR Loans for non-escrowed 2.500 1.500 2.916 State Adjustment Zone 1: 3.250 1.000 3.445 2.625 1.000 2.973 (CA, AL, AR, AZ, CT, IA, IN, KY, MI, Loan Amount $250,000 - $299,999 0.125 3.375 995 Lender Fee 3.423 2.750 995 Lender Fee 2.833 NC, ND, NV, SD, WI, VA) (CO, FL, GA, HI, ID, IL, KS, LA, NE, NH, NJ, Loan Amount $300,000 - $349,999 0.125 3.500 Roll Down 3.500 2.875 Roll Down 2.875 2-4 Unit Properties 0.250 The Roll Down is our no closing cost loan. No Closing Cost Loans are not available in Washington. It is available on refinance transactions only. CashCall Mortgage will pay all of the High LTV (95.01-105%) 0.250 Borrower's closing costs except: Prepaid interest, property taxes, state mortgage taxes, lender High LTV (>105%) 0.375 payoff fees and any type of insurance. Minimum loan amount in California is $200,000. Minimum charge a flat $995 Origination Fee to cover all Lender s costs. The borrower(s) will be responsible for paying all third party charges, including but not limited to: discount points paid to buy down the interest rate or to cover loan level pricing adjustments, appraisal fees, credit report fees, flood certification fees, notary/signing fees, charges for title insurance and related fees, escrow/closing fees, attorney fees and recording fees. The borrower is also responsible for paying prepaid interest, property taxes, state mortgage and transfer taxes, insurance, mortgage insurance and existing lender payoff(s) and associated fees. The $995 Lender Fee option is not available in the state of New Jersey. Freddie Mac Open Access Investment Property LTV <= 75% 0.625 Investment Property LTV >= 75.01% 1.000 10 or 15 Year - FICO <740 0.125 Freddie Mac FICO/LTV Grid Applies to 20, 25 & 30 Year Fixed Products <=60 60.01-70 70.01-75 75.01-80 80.01-85 >85 740+ 0.125 0.125 0.125 720-739 0.125 0.125 0.250 700-719 0.125 0.250 0.250 0.125 0.125 680-699 0.125 0.250 0.375 0.250 0.250 660-679 0.250 0.375 640-659 0.125 0.250 0.750 620-639 0.125 0.375 0.750 0.750 Super Conforming 30 Year Fixed Super Conforming 15 Year Fixed Freddie Mac Super Conforming Standard Adjustments. Applies to 15 & 30 Year Fixed Freddie Mac Super Conforming Products Criteria Non-Escrowed Loans ***No charge for non-escrowed loans*** APR APR 2.875 1.000 3.226 3.375 1.500 3.612 3.000 3.282 3.500 995 Lender Fee 3.549 3.125 995 Lender Fee 3.211 Investment Property LTV <= 75% 0.625 Investment Property LTV > 75.01% 1.000 High LTV (95.01-97%) 0.125 3.625 Roll Down 3.625 3.250 Roll Down 3.250 10 or 15 Year - FICO <740 0.125 2 Unit Properties 0.250 3-4 Unit Properties 0.375 LTV <= 80% The Roll Down is our no closing cost loan. No Closing Cost Loans are not available in Washington. It is available on refinance transactions only. Purchases or No Cash Out Refinance LTV>60% 0.125 CashCall Mortgage will pay all of the Borrower's closing costs except: Super Conforming Cashout Refi 0.250 Prepaid interest, property taxes, state mortgage taxes, lender payoff fees and any type of insurance. Freddie Mac FICO/LTV Grid Applies to All Super Conforming Products $995 Lender Fee option applies to purchase and refinance transactions. CashCall Mortgage will charge a flat $995 Origination Fee to cover all Lender s costs. The borrower(s) will be responsible for paying all third party charges, including but not limited to: discount points paid to buy down the interest rate or to cover loan level pricing adjustments, appraisal fees, credit report fees, flood certification fees, notary/signing fees, charges for title insurance and related fees, escrow/closing fees, attorney fees and recording fees. The borrower is also responsible for paying prepaid interest, property taxes, state mortgage and transfer taxes, insurance, mortgage insurance and existing lender payoff(s) and associated fees. The $995 Lender Fee option is not available in the state of New Jersey. <=60 60.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 >95 740+ 0.125 0.125 0.125 0.125 0.125 0.125 0.250 720-739 0.125 0.125 0.250 0.125 0.125 0.125 0.250 700-719 0.125 0.250 0.250 0.250 0.250 0.250 0.375 680-699 0.125 0.375 0.375 0.250 0.250 0.375 660-679 0.250 640-659 0.125 0.250 0.750 0.750 620-639 0.125 0.375 0.750 0.750 0.750 0.750 0.750 0.750 Freddie Mac Cash Out Grid Applies to All Super Conforming Products <=60 60.01-75 75.01-80 740+ 0.125 0.250 0.250 700-739 0.125 0.250 0.250 680-699 0.125 0.250 0.375 660-679 0.250 0.250 0.375 640-659 0.250 0.375 620-639 0.250 0.375 0.750
CSL Agency Full Doc 30 Year Common Sense Lending Full Document Products CSL Agency Full Doc 15 Year CSL Agency Full Doc - 5/1 LIBOR ARM 2/2/5 CSL Agency Full Doc - Interest Only 5/1 LIBOR ARM 2/2/5 APR APR APR APR 4.490 3.000 4.797 3.990 3.000 4.519 3.990 3.000 4.896 4.490 3.000 5.086 4.750 2.000 4.977 4.250 2.000 4.638 4.250 2.000 4.904 4.750 2.000 5.094 4.990 1.000 5.134 4.490 1.000 4.733 4.490 1.000 4.906 4.990 1.000 5.096 Margin: 3.500 Margin: 3.500 CSL Agency Asset Qual 30 Year Common Sense Lending Asset Qualification Products CSL Agency Asset Qual 15 Year CSL Agency Asset Qual - 5/1 LIBOR ARM 2/2/5 CSL Agency Asset Qual - Interest Only 5/1 LIBOR ARM 2/2/5 APR APR APR APR 4.990 3.000 5.307 4.490 3.000 5.028 4.490 3.000 5.321 4.990 3.000 5.515 5.250 2.000 5.485 4.750 2.000 5.145 4.750 2.000 5.330 5.250 2.000 5.523 5.490 1.000 5.640 4.990 1.000 5.239 4.990 1.000 5.331 5.490 1.000 5.524 Margin: 3.875 Margin: 3.875 CSL SE/Bank Statement 30 Year CSL SE/Bank Statement 15 Year CSL SE/Bank Statement - 5/1 LIBOR ARM 2/2/5 CSL SE/Bank Statement - Interest Only 5/1 LIBOR ARM 2/2/5 APR APR APR APR 4.990 3.000 5.307 4.490 3.000 5.028 4.490 3.000 5.321 4.990 3.000 5.515 5.250 2.000 5.485 4.750 2.000 5.145 4.750 2.000 5.330 5.250 2.000 5.523 5.490 1.000 5.640 4.990 1.000 5.239 4.990 1.000 5.331 5.490 1.000 5.524 Margin: 3.875 Margin: 3.875 CSL Investor 30 Year Common Sense Lending Investor Products CSL Investor 15 Year CSL Investor - 5/1 LIBOR ARM 2/2/5 30 Year CSL Investor - Interest Only 5/1 LIBOR ARM 2/2/5 30 Year APR APR APR APR 5.490 3.000 5.818 4.990 3.000 5.538 4.990 3.000 5.903 5.490 3.000 6.101 5.750 2.000 5.994 5.250 2.000 5.653 5.250 2.000 5.911 5.750 2.000 6.109 5.990 1.000 6.146 5.490 1.000 5.745 5.490 1.000 5.911 5.990 1.000 6.109 Margin: 4.500 Margin: 4.500 CSL FICO/LTV Grid Applies to CSL Products FICO/LTV >=740 <=50 50.01-55 55.01-60 60.01-65 65.01-70 70.01-75 720-739 0.125 0.250 700-719 0.250 0.375 680-699 0.375 75.01-80 0.250 0.375 0.625 0.875 CSL Product Grids <60 CSL QM Products DTI FULL DOC 43.01-50 ALT DOC 43.01-50 60-65 65.01-70 70.01-75 0.250 0.375 0.750 75.01-80 Investment (Other than Investor Program) 0.250 2-4 Units Cash Out 0.250 Multiple Financed Properties (5-10) 0.250 Loan Amount <150k 2nd Home 0.125 Foreign National with no Credit Score
Agency 1-0 Buydown Products Agency 30 Year Fixed 1-0 Buydown Agency 15 Year Fixed 1-0 Buydown Standard Adjustments. Applies to 15 & 30 Year Fixed Products APR APR Criteria Non-Escrowed Loans ***No charge for non-escrowed loans*** State Adjustment Zone 1: 2.625 995 Lender Fee 3.674 2.125 995 Lender Fee 3.211 Loan Amount $250,000 - $299,999 0.125 (CA, AL, AR, AZ, CT, IA, IN, KY, MI, NC, ND, NV, SD, WI, VA) (CO, FL, GA, HI, ID, IL, KS, LA, NE, NH, NJ, Loan Amount $300,000 - $349,999 0.125 2.625 Roll Down 3.625 2.250 Roll Down 3.250 2-4 Unit Properties 0.250 Fannie Mae High Balance 30 Year Fixed Fannie Mae High Balance 15 Year Fixed 1-0 Buydown 1-0 Buydown APR APR 2.750 995 Lender Fee 3.800 2.125 995 Lender Fee 3.228 15 Year - FICO <740 0.125 15 Year - LTV >70 0.125 2.875 Roll Down 3.875 2.250 Roll Down 3.250 Fannie Mae High Balance Adjusters Add to Conforming Fixed Rate Adjusters Purchases or Limited Cash Out LTV>60% 0.125 ***No cost 45 day rate lock available on Purchase transactions!!! Agency FICO/LTV Grid The Roll Down is our no closing cost loan. No Closing Cost Loans are not available in Washington. It is available on refinance transactions only. CashCall Mortgage will pay all of the Borrower's closing costs except: Prepaid interest, property taxes, state mortgage taxes, lender payoff fees and any type of insurance. Minimum loan amount in California is $200,000. Minimum charge a flat $995 Origination Fee to cover all Lender s costs. The borrower(s) will be responsible for paying all third party charges, including but not limited to: discount points paid to buy down the interest rate or to cover loan level pricing adjustments, appraisal fees, credit report fees, flood certification fees, notary/signing fees, charges for title insurance and related fees, escrow/closing fees, attorney fees and recording fees. The borrower is also responsible for paying prepaid interest, property taxes, state mortgage and transfer taxes, insurance, mortgage insurance and existing lender payoff(s) and associated fees. The $995 Lender Fee option is not available in the state of New Jersey. Applies to 30 Year Fixed Product <=60 60.01-70 70.01-75 75.01-80 80.01-85 85.01-95 95.01-97 740+ 0.125 0.125 0.125 0.125 0.125 0.250 720-739 0.125 0.125 0.250 0.250 0.250 0.250 700-719 0.125 0.250 0.250 0.250 0.250 0.375 680-699 0.125 0.375 0.375 0.375 0.375 660-679 0.250 0.875 0.875 0.625 640-659 0.125 0.375 0.750 0.875 0.875 0.750 0.625 620-639 0.125 0.375 0.750 0.875 0.875 0.875 0.750 The 1-0 Buydown program is for a 30 and 15 year fixed-rate fully amortizing loan with a 1-0 lender paid buydown. A portion of each monthly payment for the first 12 months will be paid by CashCall Mortgage (Lender) to supplement the buyer s required monthly payments. The required monthly payments for the first 12 months are calculated using an interest rate 1% below the note rate. After the 12th month, the interest rate will be calculated based on the Note rate. Only eligible for the following transaction types: Principle Residence and Second Homes. Ineligible transaction types include: Investor Properties, Cash-Out Refinance and Texas(a)(6) mortgages. Agency 2-1 Buydown Products Agency 30 Year Fixed 2-1 Buydown Agency 15 Year Fixed 2-1 Buydown APR APR Criteria Standard Adjustments. Applies to 15 & 30 Year Fixed Products Non-Escrowed Loans ***No charge for non-escrowed loans*** State Adjustment Zone 1: 2.125 995 Lender Fee 4.177 1.750 995 Lender Fee 3.840 Loan Amount $250,000 - $299,999 0.125 (CA, AL, AR, AZ, CT, IA, IN, KY, MI, NC, ND, NV, SD, WI, VA) (CO, FL, GA, HI, ID, IL, KS, LA, NE, NH, NJ, Loan Amount $300,000 - $349,999 0.125 2.250 Roll Down 4.250 1.875 Roll Down 3.875 2-4 Unit Properties 0.250 Fannie Mae High Balance 30 Year Fixed Fannie Mae High Balance 15 Year Fixed 2-1 Buydown 2-1 Buydown APR APR 2.375 995 Lender Fee 4.428 1.875 995 Lender Fee 3.983 15 Year - FICO <740 0.125 15 Year - LTV >70 0.125 Fannie Mae High Balance Adjusters Add to Conforming Fixed Rate Adjusters 2.500 Roll Down 4.500 1.990 Roll Down 3.990 Purchases or Limited Cash Out LTV>60% 0.125 ***No cost 45 day rate lock available on Purchase transactions!!! Agency FICO/LTV Grid The Roll Down is our no closing cost loan. No Closing Cost Loans are not available in Washington. It is available on refinance transactions only. CashCall Mortgage will pay all of the Borrower's closing costs except: Prepaid interest, property taxes, state mortgage taxes, lender payoff fees and any type of insurance. Minimum loan amount in California is $200,000. Minimum charge a flat $995 Origination Fee to cover all Lender s costs. The borrower(s) will be responsible for paying all third party charges, including but not limited to: discount points paid to buy down the interest rate or to cover loan level pricing adjustments, appraisal fees, credit report fees, flood certification fees, notary/signing fees, charges for title insurance and related fees, escrow/closing fees, attorney fees and recording fees. The borrower is also responsible for paying prepaid interest, property taxes, state mortgage and transfer taxes, insurance, mortgage insurance and existing lender payoff(s) and associated fees. The $995 Lender Fee option is not available in the state of New Jersey. Applies to 30 Year Fixed Product <=60 60.01-70 70.01-75 75.01-80 80.01-85 85.01-95 95.01-97 740+ 0.125 0.125 0.125 0.125 0.125 0.250 720-739 0.125 0.125 0.250 0.250 0.250 0.250 700-719 0.125 0.250 0.250 0.250 0.250 0.375 680-699 0.125 0.375 0.375 0.375 0.375 660-679 0.250 0.875 0.875 0.625 640-659 0.125 0.375 0.750 0.875 0.875 0.750 0.625 620-639 0.125 0.375 0.750 0.875 0.875 0.875 0.750 The 2-1 Buydown program is for a 30 and 15 year fixed-rate fully amortizing loan with a 2-1-0 lender paid buydown. A portion of each monthly payment for the first 24 months will be paid by CashCall Mortgage (Lender) to supplement the buyer s required monthly payments. The required monthly payments for the first 12 months are calculated using an interest rate 2% below the note rate. The required payments for monthly 13-24 are calculated using an interest rate 1% below the note rate. After the 24th month, the interest rate will be calculated based on the Note rate. Only eligible for the following transaction types: Principle Residence and Second Homes. Ineligible transaction types include: Investor Properties, Cash-Out Refinance and Texas(a)(6) mortgages.