Rate Sheet

Loan Programs & Rates

Rate Sheet

Program	Minimum First Mortgage Rate*	Maximum LTV***	Max. Term *****	Points **	Credit	Minimum Loan Amount	Maximum Loan Amount
A0	10.20% *	75%	300/60	1	Min FICO 660	$50,000	$500,000
A1	10.50%	70%	300	1	2 x 30	$25,000	$750,000
A2 *****	10.65%	70%	300	1	1 x 30	$25,000	$750,000
A3 *****	11.85%	70%	300	1	3 x 30, 1 x 60	$25,000	$400,000
A4	12.25%	65%	300	1	6 x 30, 2 x 60	$25,000	$400,000
A5	12.50%	65%	300	1.5	See Grid	$25,000	$250,000
ARM Programs					Min. Credit Score
A	P+3.0%	70%	300	1	660	$25,000	$750,000
B	P+3.75%	65%	300	1	600	$25,000	$500,000
C	P+4.25%	60%	300	1.5	540	$25,000	$500,000

* Rates are program minimum and are subject to change without prior notice, call for a direct quote. Rates vary based on property type, see individual program descriptions for details. Add an additional 25 BPS on all Non-Owner Occupied properties.

A0 rate is a 5 year balloon. Add 25 BPS for fully amortized fixed rate.

** Points can be bought down to Par. 1 point = 37.5 bps on Fixed Rate Programs.

*** Refer to program guidelines for LTV by property type.

**** Rate applies for both Owner/Non-Owner occupied properties.

***** Maximum term available for loans under $100,000 is 180 months. Maximum Broker Fees: $3,500 on loans under $70,000 / 5 points on all loans over $70,000

***** In Program A2 & A3, Purchases with NO seller financing will be considered at 5% higher LTV's, for certain property types.

All ARM Loans adjust quarterly, on the 10th day of the first month of each calendar quarter, based on Prime Rate in effect on the first day of that month, for the payment due on the 10th of the following month.