caliber home loans rate sheet

Effective Mar 20, 2020 4:35 PM CT - of 20

Wholesale Broker Fee Waiver

If the option to waive fees is selected in H2Online:

The fee waiver is calculated in bps on the lock.

Lock Term Requirements

Refer to the Lock Policy and Rate Sheet for more information.

Pricing’s contact: Email [email protected] or by phone at 888-248-6093.

Pricing Support: 888-248-6093

Broker Support: (888) H2O-7026

www.caliberwholesale.com

Administrative Fee $695

Administrative Fee – VA IRRRL $0

Closing Coordination (if Caliber Draws Docs) $295

Tax Service $93.89

Caliber Portfolio Lending (CPL) Admin Fee $1350

Lock Extensions

1st request cost per day: 0.015. The 1st request is for up to 30 days.

2nd request cost per day: 0.020.

Extensions can be purchased online or by emailing [email protected].

Up to 2 extensions may be purchased, not to exceed 30 days from the original lock expiration.

Please refer to the Lock Policy posted in H20 for more information.

For Jumbo products lock extensions, please refer to the Jumbo lock policy.

Divisional Vice President Account Executives FHA ID 3099201125 VA ID 9103870609

Chris Mozilo Amanda Schmidt 858-997-3003 [email protected] Shelley Desmarais 619-977-7435 [email protected]

602-690-1462 Jill Booth 619-888-6057 [email protected] Daun Sherr 858-610-1121 [email protected]

[email protected] Catherine Boyle 619-665-5973 [email protected]

San Diego Wholesale - CL1 Rate Sheet A

This rate sheet is intended for use by mortgage professionals only. Prices, rates, and terms are subject to change without notice. Locking, Relocking, Lock Extensions, Program/Product change requests to the Price Desk must be submitted before 6:45 pm CT. Effective Mar 20, 2020 4:35 PM CT - Page 1 of 20

Click here to view our product guide

Weekly APOR Indication

APOR 30 Year Fixed 4.03 APOR 3/1 Libor ARM 4.69 APOR 7/1 Libor ARM 4.44

APOR 15 Year Fixed 3.53 APOR 5/1 Libor ARM 4.56 APOR 10/1 Libor ARM 4.31

USDA Maximum Allowable Interest Rate

USDA maximum allowable interest rate is reflected on the rate sheet. Higher rate requests for this loan product are unavailable.

Bulletins

Please refer to Forms and Docs>Business Partners>Bulletins for the most recent and up to date Caliber Bulletins.

Please Contact your Account Executive for

UW Conditions & UW Decision Turn Times

In times of high volume, the priority is placed on purchase transactions

and turn times may vary by product.

HOI: Caliber Home Loans, Inc., ISAOA ATIMA

P.O. Box 7731

Springfield, OH 45501-7731

92900-A: Caliber Home Loans, Inc.

1525 S. Beltline Road

Coppell, TX 75019

Title Policies, CPL & Subordination Agreements:

Caliber Home Loans, Inc., ISAOA

1525 S. Beltline Road

Coppell, TX 75019

*The HOI and CPL apply to Wholesale only; not Correspondent Level 1.

Additional Fees:

· Caliber Jumbo – Appraisal fee plus $150 CDA fee on 1-unit properties

· Caliber Jumbo – Appraisal fee plus a field review on 2-unit properties

· Caliber Jumbo – Two appraisals plus $150 CDA fee on Refinances > $1MM

and Purchases > $1.5MM

· Caliber Portfolio Lending Products – Appraisal plus $150 CDA fee

Conventional Conforming Programs

Government High Balance Products

Government Products

Conventional Conforming High Balance Programs

Page 2

Page 11

Conforming Fixed

Page 12

FHA and VA High Balance Fixed & ARM

Caliber Portfolio Investment Property

Conventional Doctor/Physician Programs

Page 6

Caliber Portfolio Fresh Start

FHA, VA and USDA Fixed & ARM

Caliber Portfolio Premier Access & Empire Premier

Page 7

Page 10

Page 4

Conforming High Balance Fixed & ARM Page 5

Non-Conforming ProgramsCaliber Jumbo

Doctor/Physician Fixed and ARM

Conforming ARM Page 3

Caliber Porfolio Lending

Caliber Portfolio Homeowner AccessPage 18Page 17

Page 15-16Page 13-14

HomeReady and Home PossibleHomeReady and Home Possible

Caliber Portfolio Elite Access & Empire Elite

Page 19

HomeReady and Home Possible High Balance

Caliber Portfolio Professional Elite Page 20Caliber Portfolio Investor Access Page 21

Caliber High Balance Page 9

https://h2o.caliberdirect.com

https://h2o.caliberdirect.com/

15(11-15) Year Fixed

CF15 15 DayApr 6

30 DayApr 20

45 DayMay 4

60 DayMay 19

2.250% 3.638 3.641 4.044 4.0472.375% 2.990 2.993 3.396 3.4002.500% 2.343 2.346 2.749 2.7522.625% 1.772 1.775 2.178 2.1812.750% 1.354 1.378 1.635 1.6592.875% 0.592 0.616 0.873 0.8972.990% 0.157 0.181 0.438 0.4623.000% 0.016 0.040 0.297 0.3213.125% (0.467) (0.443) (0.186) (0.162)3.250% (0.907) (0.883) (0.625) (0.601)3.375% (1.339) (1.315) (1.058) (1.034)3.500% (1.480) (1.456) (1.199) (1.175)3.625% (1.143) (1.098) (0.831) (0.786)3.750% (1.533) (1.488) (1.220) (1.175)3.990% (2.165) (2.121) (1.853) (1.808)

Max Net Rebate: (4.500)

LTV 0-60 60.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97 > 97Total Loan Amount $100,000-$125,000 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125 N/ATotal Loan Amount $75,000-$99,999 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500 N/ATotal Loan Amount $50,000-$74,999 0.750 0.750 0.750 0.750 0.750 0.750 0.750 0.750 N/ATotal Loan Amount < $50,000 1.500 1.500 1.500 1.500 1.500 1.500 1.500 1.500 N/AInvestment Property 2.125 2.125 2.125 3.375 4.125 N/A N/A N/A N/A2 Unit 1.000 1.000 1.000 1.000 1.000 N/A N/A N/A N/A3-4 Units 1.000 1.000 1.000 1.000 N/A N/A N/A N/A N/ALow or High Rise Condo (All Products w/Terms > 15 Yrs) 0.000 0.000 0.000 0.750 0.750 0.750 0.750 0.750 N/AHigh LTV N/A N/A N/A N/A N/A N/A N/A 0.000 N/AEscrow Waiver (CA 0.00, NY 0.00) 0.250 0.250 0.250 0.250 N/A N/A N/A N/A N/A<=75% LTV - <=80% CLTV or 75.01-76% LTV-75.01-76% CLTV or > 95% LTV - > 95% CLTV (N/A on LP Affordable Seconds) 0.375 0.375 0.375 0.375 N/A N/A N/A 0.375 N/A<=75% LTV - 80.01-95% CLTV & < 720 FICO (N/A on LP Affordable Seconds) 0.875 1.125 1.125 N/A N/A N/A N/A N/A N/A<= 75% LTV - 80.01-95% CLTV & 720+ FICO (N/A on LP Affordable Seconds) 0.625 0.875 0.875 N/A N/A N/A N/A N/A N/A>75% LTV - 76.01-95% CLTV & < 720 FICO (N/A on LP Affordable Seconds) N/A N/A N/A 1.375 1.375 1.375 1.375 N/A N/A>75% LTV - 76.01-95% CLTV & 720+ FICO (N/A on LP Affordable Seconds) N/A N/A N/A 1.125 1.125 1.125 1.125 N/A N/A<=95% LTV - 95.01-97% CLTV (N/A on LP Affordable Seconds) 1.875 1.875 1.875 1.875 1.875 1.875 1.875 N/A N/AManufactured Home 0.750 0.750 0.750 0.750 0.750 0.750 0.750 N/A N/ASecond Home N/A N/A N/A N/A N/A 0.250 N/A N/A N/AState AdjustmentsNV 0.150 0.150 0.150 0.150 0.150 0.150 0.150 0.150 N/ACA (State Adjustment of 0.125 for CA), MN 0.075 0.075 0.075 0.075 0.075 0.075 0.075 0.075 N/AAZ, CO, CT, DC, IA, ID, IN, KY, MA, MT, NE, NY, RI, SD, WV, WY 0.050 0.050 0.050 0.050 0.050 0.050 0.050 0.050 N/AAL, AR, DE, HI, IL, KS, MD, ME, MI, MO, MS, NC, ND, NH, NM, OH, SC, TN, UT, VA, VT, WA, WI 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 N/AAK, GA, LA, NJ, OK, OR (0.050) (0.050) (0.050) (0.050) (0.050) (0.050) (0.050) (0.050) N/AFL, PA (0.075) (0.075) (0.075) (0.075) (0.075) (0.075) (0.075) (0.075) N/ATX (0.150) (0.150) (0.150) (0.150) (0.150) (0.150) (0.150) (0.150) N/ALTV/FICO Adjustments: All Products w/Terms > 15 Yrs740+ FICO 0.000 0.250 0.250 0.500 0.250 0.250 0.250 0.750 N/A720-739 FICO 0.000 0.250 0.500 0.750 0.500 0.500 0.500 1.000 N/A700-719 FICO 0.000 0.500 1.000 1.250 1.000 1.000 1.000 1.500 N/A680-699 FICO 0.000 0.500 1.250 1.750 1.500 1.250 1.250 1.500 N/A660-679 FICO 0.000 1.000 2.250 2.750 2.750 2.250 2.250 2.250 N/A640-659 FICO 0.500 1.250 2.750 3.000 3.250 2.750 2.750 2.750 N/A620-639 FICO (Applicable to Non Traditional Credit) 0.500 1.500 3.000 3.000 3.250 3.250 3.250 3.500 N/ALTV / FICO Adjustments: Cash-Out Refinance740+ FICO 0.375 0.625 0.625 0.875 N/A N/A N/A N/A N/A720-739 FICO 0.375 1.000 1.000 1.125 N/A N/A N/A N/A N/A700-719 FICO 0.375 1.000 1.000 1.125 N/A N/A N/A N/A N/A680-699 FICO 0.375 1.125 1.125 1.750 N/A N/A N/A N/A N/A660-679 FICO 0.625 1.125 1.125 1.875 N/A N/A N/A N/A N/A640-659 FICO 0.625 1.625 1.625 2.625 N/A N/A N/A N/A N/A620-639 FICO 0.625 1.625 1.625 3.125 N/A N/A N/A N/A N/A

25(21-25) / 30(26-30) Year Fixed

CF30 15 DayApr 6

30 DayApr 20

45 DayMay 4

60 DayMay 19

2.750% 2.925 2.949 3.176 3.2002.875% 2.015 2.039 2.266 2.2903.000% 1.125 1.149 1.376 1.4003.125% 0.206 0.230 0.458 0.4823.250% (0.532) (0.508) (0.280) (0.256)3.375% (1.091) (1.067) (0.839) (0.815)3.500% (1.556) (1.532) (1.305) (1.281)3.625% (2.072) (2.048) (1.820) (1.796)3.750% (1.369) (1.324) (1.116) (1.071)3.875% (1.800) (1.755) (1.547) (1.502)3.990% (2.137) (2.092) (1.884) (1.839)4.000% (2.194) (2.149) (1.941) (1.896)4.125% (2.555) (2.511) (2.302) (2.258)4.250% (1.570) (1.505) (1.378) (1.313)4.375% (1.956) (1.891) (1.764) (1.699)4.500% (2.333) (2.267) (2.141) (2.075)4.625% (2.659) (2.593) (2.467) (2.401)4.750% (2.028) (1.941) (1.991) (1.904)4.875% (2.351) (2.264) (2.314) (2.227)4.990% (2.576) (2.490) (2.539) (2.453)5.000% (2.630) (2.544) (2.593) (2.507)


This rate sheet is intended for use by mortgage professionals only. Prices, rates, and terms are subject to change without notice. Locking, Relocking, Lock Extensions, Program/Product change requests to the Price Desk must be submitted before 6:45 pm CT.


Effective Mar 20, 2020 4:35 PM CT - Page 2 of 20


Conforming Fixed

Broker Support: 888-H2O-7026www.caliberwholesale.com

10 Year Fixed

CF10 15 DayApr 6

30 DayApr 20

45 DayMay 4

60 DayMay 19

2.750% 1.204 1.228 1.485 1.5092.875% 0.733 0.757 1.014 1.0382.990% 0.394 0.418 0.676 0.7003.000% 0.260 0.284 0.542 0.5663.125% (0.138) (0.114) 0.143 0.1673.250% (0.517) (0.493) (0.236) (0.212)3.375% (0.881) (0.857) (0.600) (0.576)3.500% (0.512) (0.467) (0.200) (0.155)3.625% (0.873) (0.828) (0.561) (0.516)3.750% (1.219) (1.174) (0.907) (0.862)3.875% (1.547) (1.502) (1.235) (1.190)3.990% (1.777) (1.732) (1.465) (1.420)4.000% (1.784) (1.739) (1.472) (1.427)4.125% (2.149) (2.105) (1.837) (1.792)4.250% (2.116) (2.051) (1.710) (1.645)4.375% (2.401) (2.335) (1.994) (1.929)4.500% (2.448) (2.383) (2.042) (1.976)4.625% (1.834) (1.747) (1.803) (1.716)4.990% (2.498) (2.411) (2.466) (2.380)


20(16-20) Year Fixed

CF20 15 DayApr 6

30 DayApr 20

45 DayMay 4

60 DayMay 19

2.750% 2.869 2.893 3.121 3.1452.875% 2.035 2.059 2.286 2.3103.000% 1.252 1.276 1.503 1.5273.125% 0.521 0.545 0.773 0.7973.250% (0.076) (0.052) 0.175 0.1993.375% (0.619) (0.595) (0.367) (0.343)3.500% (1.091) (1.067) (0.840) (0.816)3.625% (0.521) (0.477) (0.269) (0.224)3.750% 0.892 0.958 1.084 1.1493.875% 0.263 0.329 0.455 0.5213.990% (0.155) (0.090) 0.037 0.1024.990% (2.143) (2.056) (2.106) (2.019)


Click here for LPMI Adjustments

90 Day Lock = 60 Day Price – 37.5 bps

Click here for Reduced MI Adjustments











https://www.caliberhomeloans.com/docs/default-source/secure/ratesheets/caliber-home-loans-conventional-conforming-fixed-and-arm-lpmi-adjustments_caliber-express-lpmi_wholesale.pdf

http://caliberhomeloans.com/docs/default-source/secure/ratesheets/reduced-mi-llpa-adjustment.pdf

LTV <=60 60.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97 >97Total Loan Amount $100,000-$125,000 0.125 0.125 0.125 0.125 0.125 0.125 0.125 N/A N/ATotal Loan Amount $75,000-$99,999 0.500 0.500 0.500 0.500 0.500 0.500 0.500 N/A N/ATotal Loan Amount $50,000-$74,999 0.750 0.750 0.750 0.750 0.750 0.750 0.750 N/A N/ATotal Loan Amount < $50,000 1.500 1.500 1.500 1.500 1.500 1.500 1.500 N/A N/AInvestment Property 2.125 2.125 2.125 3.375 4.125 N/A N/A N/A N/A2 Unit 1.000 1.000 1.000 1.000 1.000 N/A N/A N/A N/A3-4 Units 1.000 1.000 1.000 1.000 N/A N/A N/A N/A N/ALow or High Rise Condo (All Products w/Terms > 15 Yrs) 0.000 0.000 0.000 0.750 0.750 0.750 0.750 N/A N/AHigh LTV (ARM) N/A N/A N/A N/A N/A N/A 0.250 N/A N/AEscrow Waiver ( CA 0.00, NY 0.00) 0.250 0.250 0.250 0.250 N/A N/A N/A N/A N/A<=75% LTV - <=80% CLTV or 75.01-76% LTV-75.01-76% CLTV 0.375 0.375 0.375 0.375 N/A N/A N/A N/A N/A<=75% LTV - 80.01-95% CLTV & < 720 FICO 0.875 1.125 1.125 N/A N/A N/A N/A N/A N/A<= 75% LTV - 80.01-95% CLTV & 720+ FICO 0.625 0.875 0.875 N/A N/A N/A N/A N/A N/A>75% LTV - 76.01-95% CLTV & < 720 FICO N/A N/A N/A 1.375 1.375 1.375 1.375 N/A N/A>75% LTV - 76.01-95% CLTV & 720+ FICO N/A N/A N/A 1.125 1.125 1.125 1.125 N/A N/ASecond Home N/A N/A N/A N/A N/A 0.250 N/A N/A N/AState AdjustmentsNV 0.150 0.150 0.150 0.150 0.150 0.150 0.150 N/A N/ACA (State Adjustment of 0.125 for CA), MN 0.075 0.075 0.075 0.075 0.075 0.075 0.075 N/A N/AAZ, CO, CT, DC, IA, ID, IN, KY, MA, MT, NE, NY, RI, SD, WV, WY 0.050 0.050 0.050 0.050 0.050 0.050 0.050 N/A N/AAL, AR, DE, HI, IL, KS, MD, ME, MI, MO, MS, NC, ND, NH, NM, OH, SC, TN, UT, VA, VT, WA, WI 0.000 0.000 0.000 0.000 0.000 0.000 0.000 N/A N/AAK, GA, LA, NJ, OK, OR (0.050) (0.050) (0.050) (0.050) (0.050) (0.050) (0.050) N/A N/AFL, PA (0.075) (0.075) (0.075) (0.075) (0.075) (0.075) (0.075) N/A N/ATX (0.150) (0.150) (0.150) (0.150) (0.150) (0.150) (0.150) N/A N/ALTV/FICO Adjustments: All Products w/Terms > 15 Yrs740+ FICO 0.000 0.250 0.250 0.500 0.250 0.250 0.250 N/A N/A720-739 FICO 0.000 0.250 0.500 0.750 0.500 0.500 0.500 N/A N/A700-719 FICO 0.000 0.500 1.000 1.250 1.000 1.000 1.000 N/A N/A680-699 FICO 0.000 0.500 1.250 1.750 1.500 1.250 1.250 N/A N/A660-679 FICO 0.000 1.000 2.250 2.750 2.750 2.250 2.250 N/A N/A640-659 FICO 0.500 1.250 2.750 3.000 3.250 2.750 2.750 N/A N/A620-639 FICO 0.500 1.500 3.000 3.000 3.250 3.250 3.250 N/A N/ALTV / FICO Adjustments: Cash-Out Refinance740+ FICO 0.375 0.625 0.625 0.875 N/A N/A N/A N/A N/A720-739 FICO 0.375 1.000 1.000 1.125 N/A N/A N/A N/A N/A700-719 FICO 0.375 1.000 1.000 1.125 N/A N/A N/A N/A N/A680-699 FICO 0.375 1.125 1.125 1.750 N/A N/A N/A N/A N/A660-679 FICO 0.625 1.125 1.125 1.875 N/A N/A N/A N/A N/A640-659 FICO 0.625 1.625 1.625 2.625 N/A N/A N/A N/A N/A620-639 FICO 0.625 1.625 1.625 3.125 N/A N/A N/A N/A N/A

10/1 Libor ARM

CL10 15 DayApr 6

30 DayApr 20

45 DayMay 4

60 DayMay 19

3.125% 1.065 1.190 1.315 1.4403.250% 0.553 0.678 0.803 0.9283.375% 0.042 0.167 0.292 0.4173.500% (0.469) (0.344) (0.219) (0.094)3.625% (0.978) (0.853) (0.728) (0.603)3.750% (1.266) (1.141) (1.016) (0.891)3.875% (1.550) (1.425) (1.300) (1.175)3.990% (1.970) (1.845) (1.720) (1.595)4.125% (2.548) (2.423) (2.298) (2.173)4.250% (3.047) (2.922) (2.797) (2.672)4.375% (3.546) (3.421) (3.296) (3.171)4.500% (3.378) (3.253) (3.128) (3.003)4.625% (3.210) (3.085) (2.960) (2.835)4.750% (3.429) (3.304) (3.179) (3.054)

Max Net Rebate: (4.000) Margin: 2.250 Caps: 5.000/2.000/5.000Libor 1 Year: 0.92200

7/1 Libor ARM

CL7 15 DayApr 6

30 DayApr 20

45 DayMay 4

60 DayMay 19

3.000% (0.026) 0.099 0.224 0.3493.125% (0.485) (0.360) (0.235) (0.110)3.250% (0.946) (0.821) (0.696) (0.571)3.375% (1.405) (1.280) (1.155) (1.030)3.500% (1.670) (1.545) (1.420) (1.295)3.625% (1.934) (1.809) (1.684) (1.559)3.750% (2.391) (2.266) (2.141) (2.016)3.875% (2.846) (2.721) (2.596) (2.471)3.990% (2.825) (2.700) (2.575) (2.450)4.125% (2.962) (2.837) (2.712) (2.587)4.250% (3.411) (3.286) (3.161) (3.036)4.375% (3.858) (3.733) (3.608) (3.483)4.500% (3.323) (3.198) (3.073) (2.948)4.625% (2.788) (2.663) (2.538) (2.413)4.750% (3.231) (3.106) (2.981) (2.856)


5/1 Libor ARM

CL5 15 DayApr 6

30 DayApr 20

45 DayMay 4

60 DayMay 19

2.990% (0.232) (0.107) 0.018 0.1433.125% (0.698) (0.573) (0.448) (0.323)3.250% (1.083) (0.958) (0.833) (0.708)3.375% (1.467) (1.342) (1.217) (1.092)3.500% (1.838) (1.713) (1.588) (1.463)3.625% (2.208) (2.083) (1.958) (1.833)3.750% (2.273) (2.148) (2.023) (1.898)3.875% (2.336) (2.211) (2.086) (1.961)4.000% (2.317) (2.192) (2.067) (1.942)4.125% (2.296) (2.171) (2.046) (1.921)4.250% (2.671) (2.546) (2.421) (2.296)4.375% (3.046) (2.921) (2.796) (2.671)4.500% (3.154) (3.029) (2.904) (2.779)4.625% (3.262) (3.137) (3.012) (2.887)Max Net Rebate: (4.000) Margin: 2.250 Caps: 2.000/2.000/5.000

Libor 1 Year: 0.92200

5/5 Treasury ARM

CT55 15 DayApr 6

30 DayApr 20

45 DayMay 4

60 DayMay 19

2.990% 1.757 1.882 2.007 2.1323.125% 1.456 1.581 1.706 1.8313.250% 1.073 1.198 1.323 1.4483.375% 0.691 0.816 0.941 1.0663.500% 0.319 0.444 0.569 0.6943.625% (0.052) 0.073 0.198 0.3233.750% (0.279) (0.154) (0.029) 0.0963.875% (0.505) (0.380) (0.255) (0.130)4.000% (0.717) (0.592) (0.467) (0.342)4.125% (0.928) (0.803) (0.678) (0.553)4.250% (1.304) (1.179) (1.054) (0.929)4.375% (1.679) (1.554) (1.429) (1.304)4.500% (1.721) (1.596) (1.471) (1.346)4.625% (1.762) (1.637) (1.512) (1.387)Max Net Rebate: (4.000) Margin: 2.250 Caps: 2.000/2.000/6.000

Weekly Average 5 year CMT : 0.79000

3/1 Libor ARM

CL3 15 DayApr 6

30 DayApr 20

45 DayMay 4

60 DayMay 19

2.375% 2.314 2.439 2.564 2.6892.500% 2.039 2.164 2.289 2.4142.625% 1.765 1.890 2.015 2.1402.750% 1.450 1.575 1.700 1.8252.875% 1.140 1.265 1.390 1.5152.990% 0.988 1.113 1.238 1.3633.125% 0.675 0.800 0.925 1.0503.250% 0.462 0.587 0.712 0.8373.375% 0.248 0.373 0.498 0.6233.500% (0.024) 0.101 0.226 0.3513.625% (0.297) (0.172) (0.047) 0.0783.750% (0.570) (0.445) (0.320) (0.195)3.875% (0.842) (0.717) (0.592) (0.467)4.000% (0.818) (0.693) (0.568) (0.443)Max Net Rebate: (4.000) Margin: 2.250 Caps: 2.000/2.000/6.000






Conforming ARM


Click here for Reduced MI AdjustmentsClick here for LPMI Adjustments















https://www.caliberhomeloans.com/docs/default-source/secure/ratesheets/caliber-home-loans-conventional-conforming-fixed-and-arm-lpmi-adjustments_caliber-express-lpmi_wholesale.pdf

FHA 15(11-15) Year FixedFF15

F203H1515 DayApr 6

30 DayApr 20

45 DayMay 4

60 DayMay 19

2.250% 2.659 2.662 3.065 3.0682.375% 2.147 2.150 2.553 2.5572.500% 1.637 1.641 2.044 2.0472.625% 1.130 1.134 1.537 1.5402.750% 0.382 0.406 0.663 0.6872.875% (0.123) (0.099) 0.158 0.1822.990% (0.583) (0.559) (0.302) (0.278)3.000% (0.623) (0.599) (0.342) (0.318)3.125% (1.117) (1.093) (0.836) (0.812)3.250% (0.512) (0.468) (0.200) (0.155)3.375% (1.002) (0.957) (0.690) (0.645)3.500% (1.480) (1.435) (1.168) (1.123)3.625% (1.940) (1.895) (1.628) (1.583)3.750% (1.729) (1.664) (1.323) (1.258)3.875% (2.179) (2.113) (1.772) (1.707)3.990% (2.570) (2.504) (2.163) (2.098)4.000% (2.603) (2.537) (2.197) (2.131)


LTV <=50 50.01-60 60.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97 >97Total Loan Amount $100,000-$125,000 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125Total Loan Amount $75,000-$99,999 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500Total Loan Amount $50,000-$74,999 0.750 0.750 0.750 0.750 0.750 0.750 0.750 0.750 0.750 0.750Total Loan Amount < $50,000 1.500 1.500 1.500 1.500 1.500 1.500 1.500 1.500 1.500 1.500FHA Streamline 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125VA Streamline 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125USDA Streamline 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125VA Cashout >90% LTV N/A N/A N/A N/A N/A N/A N/A 2.000 2.000 2.000Second Home 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500Investment Property 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500Manufactured Home 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500

State AdjustmentsNV 0.150 0.150 0.150 0.150 0.150 0.150 0.150 0.150 0.150 0.150KY, MN 0.100 0.100 0.100 0.100 0.100 0.100 0.100 0.100 0.100 0.100AR, AZ, CA, CT, IA, ID, IN, KS, MA, MI, MT, NE, NM, NY, RI, SD, VT, WV 0.050 0.050 0.050 0.050 0.050 0.050 0.050 0.050 0.050 0.050AL, CO, DC, DE, HI, ME, MO, MS, NC, ND, OH, SC, TN, UT, WI, WY 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000IL, OK, WA (0.025) (0.025) (0.025) (0.025) (0.025) (0.025) (0.025) (0.025) (0.025) (0.025)AK, FL, GA, LA, MD, NH, NJ, OR, PA, VA (0.050) (0.050) (0.050) (0.050) (0.050) (0.050) (0.050) (0.050) (0.050) (0.050)TX (0.150) (0.150) (0.150) (0.150) (0.150) (0.150) (0.150) (0.150) (0.150) (0.150)

LTV/FICO Adjustments 780+ FICO (0.500) (0.500) (0.500) (0.500) (0.500) (0.500) (0.500) (0.500) (0.500) (0.500)760-779 FICO (0.375) (0.375) (0.375) (0.375) (0.375) (0.375) (0.375) (0.375) (0.375) (0.375)720-759 FICO (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250)700-719 FICO (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) (0.125)680-699 FICO 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000660-679 FICO 0.375 0.375 0.375 0.375 0.375 0.375 0.375 0.375 0.375 0.375640-659 FICO 0.750 0.750 0.750 0.750 0.750 0.750 0.750 0.750 0.750 0.750620-639 FICO 1.500 1.500 1.500 1.500 1.500 1.500 1.500 1.500 1.500 1.500600-619 FICO 2.000 2.000 2.000 2.000 2.000 2.000 2.000 2.000 2.000 2.000

FHA 20(16-20) / 25(21-25) / 30(26-30) Year Fixed and HUD $100 Down 30(16-30) Year Fixed

FF30 F203H30

15 DayApr 6

30 DayApr 20

45 DayMay 4

60 DayMay 19

2.750% (0.513) (0.223) 0.092 0.1162.875% (1.057) (0.767) (0.452) (0.428)3.000% (1.578) (1.288) (0.973) (0.949)3.125% (2.075) (1.785) (1.470) (1.446)3.250% (1.499) (1.229) (0.939) (0.894)3.375% (1.997) (1.727) (1.437) (1.392)3.500% (2.475) (2.205) (1.915) (1.870)3.625% (2.937) (2.666) (2.376) (2.331)3.750% (1.113) (0.924) (0.753) (0.687)3.875% (1.573) (1.384) (1.213) (1.147)3.990% (1.977) (1.788) (1.617) (1.551)4.000% (2.011) (1.822) (1.651) (1.585)4.125% (2.424) (2.235) (2.064) (1.998)4.250% (1.404) (1.235) (0.433) (0.346)4.375% (1.813) (1.644) (0.842) (0.755)4.990% (2.314) (2.320) (2.418) (2.310)5.000% (2.341) (2.348) (2.445) (2.338)5.125% (2.679) (2.685) (2.783) (2.676)5.250% (1.768) (1.856) (1.979) (1.850)5.375% (2.109) (2.198) (2.320) (2.192)5.500% (2.440) (2.529) (2.651) (2.523)


5/1 Treasury ARM

FT5/VT5 15 DayApr 6

30 DayApr 20

45 DayMay 4

60 DayMay 19

2.625% 0.241 0.366 0.491 0.6162.750% (0.213) (0.088) 0.037 0.1622.875% (0.568) (0.443) (0.318) (0.193)3.000% (0.917) (0.792) (0.667) (0.542)3.125% (1.259) (1.134) (1.009) (0.884)3.250% (1.749) (1.624) (1.499) (1.374)3.375% (2.086) (1.961) (1.836) (1.711)3.500% (2.430) (2.305) (2.180) (2.055)3.625% (2.717) (2.592) (2.467) (2.342)3.750% (2.933) (2.808) (2.683) (2.558)3.875% (3.226) (3.101) (2.976) (2.851)4.000% (3.495) (3.370) (3.245) (3.120)4.125% (3.741) (3.616) (3.491) (3.366)4.250% (4.213) (4.088) (3.963) (3.838)4.375% (4.461) (4.336) (4.211) (4.086)4.500% (4.690) (4.565) (4.440) (4.315)4.625% (4.898) (4.773) (4.648) (4.523)Max Net Rebate: (5.000) Margin: 2.000 Caps: 1.000/1.000/5.000

Treasury Constant 1 Year: 0.21000

Government Fixed and ARM



USDA 30 Year Fixed

USDAF30 15 DayApr 6

30 DayApr 20

45 DayMay 4

60 DayMay 19

3.625% (2.397) (2.126) (1.836) (1.791)3.750% (0.573) (0.384) (0.213) (0.147)3.875% (1.033) (0.844) (0.673) (0.607)3.990% (1.437) (1.248) (1.077) (1.011)4.000% (1.471) (1.282) (1.111) (1.045)4.125% (1.884) (1.695) (1.524) (1.458)4.250% (0.864) (0.695) 0.107 0.1944.375% (1.273) (1.104) (0.302) (0.215)4.500% (1.658) (1.488) (0.686) (0.599)4.990% (1.774) (1.780) (1.878) (1.770)


San Diego Wholesale - CL1 Rate Sheet ABroker Support: 888-H2O-7026


VA 15(11-15) Year Fixed

VF15 15 DayApr 6

30 DayApr 20

45 DayMay 4

60 DayMay 19

2.250% 2.940 2.944 3.347 3.3502.375% 2.571 2.574 2.977 2.9802.500% 2.205 2.208 2.611 2.6142.625% 1.842 1.845 2.248 2.2512.750% 0.672 0.696 0.953 0.9782.875% 0.312 0.336 0.593 0.6172.990% (0.015) 0.009 0.266 0.2903.000% (0.043) (0.019) 0.238 0.2623.125% (0.391) (0.367) (0.110) (0.086)3.250% (0.210) (0.165) 0.103 0.1483.375% (0.553) (0.508) (0.241) (0.196)3.500% (0.884) (0.839) (0.571) (0.526)3.625% (1.195) (1.151) (0.883) (0.838)3.750% (1.404) (1.339) (0.998) (0.933)3.875% (1.703) (1.638) (1.297) (1.231)3.990% (1.957) (1.891) (1.551) (1.485)4.000% (1.978) (1.912) (1.572) (1.506)


VA 20(16-20) / 25(21-25 )/ 30(26-30) Year Fixed

VF30 15 DayApr 6

30 DayApr 20

45 DayMay 4

60 DayMay 19

2.750% (0.158) 0.132 0.447 0.4712.875% (0.495) (0.205) 0.110 0.1343.000% (0.814) (0.524) (0.209) (0.185)3.125% (1.016) (0.726) (0.411) (0.387)3.250% (1.120) (0.849) (0.559) (0.514)3.375% (1.426) (1.156) (0.866) (0.821)3.500% (1.721) (1.451) (1.161) (1.116)3.625% (1.906) (1.635) (1.345) (1.300)3.750% (0.720) (0.531) (0.360) (0.294)3.875% (1.003) (0.815) (0.643) (0.578)3.990% (1.250) (1.062) (0.890) (0.825)4.000% (1.271) (1.082) (0.911) (0.846)4.125% (1.421) (1.232) (1.061) (0.995)4.250% (0.999) (0.829) (0.027) 0.0604.375% (1.244) (1.075) (0.272) (0.186)4.990% (1.621) (1.627) (1.725) (1.617)5.000% (1.637) (1.644) (1.741) (1.634)5.125% (1.742) (1.748) (1.846) (1.739)5.375% (1.556) (1.644) (1.767) (1.638)5.500% (1.757) (1.845) (1.968) (1.840)

Max Net Rebate: (6.000)90 Day Lock = 60 Day Price – 37.5 bps















LTV 0-60 60.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97 >97Investment Property 2.125 2.125 2.125 3.375 4.125 N/A N/A N/A N/A2 Unit 1.000 1.000 1.000 1.000 1.000 N/A N/A N/A N/A3-4 Units 1.000 1.000 1.000 1.000 N/A N/A N/A N/A N/ALow or Highrise Condo (All Products w/Terms > 15 Yrs) 0.000 0.000 0.000 0.750 0.750 0.750 0.750 N/A N/ALTV (ARM) 0.000 0.000 0.000 0.750 0.750 0.750 1.000 N/A N/A<=75% LTV - <=80% CLTV or 75.01-76% LTV-75.01-76% CLTV 0.375 0.375 0.375 0.375 N/A N/A N/A N/A N/A<=75% LTV - 80.01-95% CLTV & < 720 FICO 0.875 1.125 1.125 N/A N/A N/A N/A N/A N/A<= 75% LTV - 80.01-95% CLTV & 720+ FICO 0.625 0.875 0.875 N/A N/A N/A N/A N/A N/A>75% LTV - 76.01-95% CLTV & < 720 FICO N/A N/A N/A 1.375 1.375 1.375 1.375 N/A N/A>75% LTV - 76.01-95% CLTV & 720+ FICO N/A N/A N/A 1.125 1.125 1.125 1.125 N/A N/AEscrow Waiver (CA 0.00, NY 0.00) 0.250 0.250 0.250 0.250 N/A N/A N/A N/A N/APurchase or No C/O: Rate/Term 0.250 0.250 0.250 0.250 0.250 0.250 0.250 N/A N/ACash-Out Refinance (ARM Only) N/A N/A N/A 0.750 N/A N/A N/A N/A N/ASecond Home N/A N/A N/A N/A N/A 0.250 N/A N/A N/AState AdjustmentsNV 0.150 0.150 0.150 0.150 0.150 0.150 0.150 N/A N/ACA (State Adjustment of 0.125 for CA), MN 0.075 0.075 0.075 0.075 0.075 0.075 0.075 N/A N/AAZ, CO, CT, DC, IA, ID, IN, KY, MA, MT, NE, NY, RI, SD, WV, WY 0.050 0.050 0.050 0.050 0.050 0.050 0.050 N/A N/AAL, AR, DE, HI, IL, KS, MD, ME, MI, MO, MS, NC, ND, NH, NM, OH, SC, TN, UT, VA, VT, WA, WI 0.000 0.000 0.000 0.000 0.000 0.000 0.000 N/A N/AAK, GA, LA, NJ, OK, OR (0.050) (0.050) (0.050) (0.050) (0.050) (0.050) (0.050) N/A N/AFL, PA (0.075) (0.075) (0.075) (0.075) (0.075) (0.075) (0.075) N/A N/ATX (0.150) (0.150) (0.150) (0.150) (0.150) (0.150) (0.150) N/A N/ALTV/FICO Adjustments: All Products w/Terms > 15 Yrs740+ FICO 0.000 0.250 0.250 0.500 0.250 0.250 0.250 N/A N/A720-739 FICO 0.000 0.250 0.500 0.750 0.500 0.500 0.500 N/A N/A700-719 FICO 0.000 0.500 1.000 1.250 1.000 1.000 1.000 N/A N/A680-699 FICO 0.000 0.500 1.250 1.750 1.500 1.250 1.250 N/A N/A660-679 FICO 0.000 1.000 2.250 2.750 2.750 2.250 2.250 N/A N/A640-659 FICO 0.500 1.250 2.750 3.000 3.250 2.750 2.750 N/A N/A620-639 FICO 0.500 1.500 3.000 3.000 3.250 3.250 3.250 N/A N/ALTV/FICO Adjustments: Cash-Out Refinance740+ FICO 1.375 1.625 1.625 1.875 N/A N/A N/A N/A N/A720-739 FICO 1.375 2.000 2.000 2.125 N/A N/A N/A N/A N/A700-719 FICO 1.375 2.000 2.000 2.125 N/A N/A N/A N/A N/A680-699 FICO 1.375 2.125 2.125 2.750 N/A N/A N/A N/A N/A660-679 FICO 1.625 2.125 2.125 2.875 N/A N/A N/A N/A N/A640-659 FICO 1.625 2.625 2.625 3.625 N/A N/A N/A N/A N/A620-639 FICO 1.625 2.625 2.625 4.125 N/A N/A N/A N/A N/A

10/1 Libor ARM

CHBL10 15 DayApr 6

30 DayApr 20

45 DayMay 4

60 DayMay 19

3.000% 2.197 2.322 2.447 2.5723.125% 1.895 2.020 2.145 2.2703.250% 1.383 1.508 1.633 1.7583.375% 0.872 0.997 1.122 1.2473.500% 0.361 0.486 0.611 0.7363.625% (0.148) (0.023) 0.102 0.2273.750% (0.436) (0.311) (0.186) (0.061)3.875% (0.720) (0.595) (0.470) (0.345)3.990% (1.140) (1.015) (0.890) (0.765)4.125% (1.718) (1.593) (1.468) (1.343)4.250% (2.217) (2.092) (1.967) (1.842)4.375% (2.716) (2.591) (2.466) (2.341)4.500% (2.548) (2.423) (2.298) (2.173)4.625% (2.380) (2.255) (2.130) (2.005)4.750% (2.599) (2.474) (2.349) (2.224)Max Net Rebate: (4.000) Margin: 2.250 Caps: 5.000/2.000/5.000


20(16-20) / 30(21-30) Year Fixed

CHBF30 15 DayApr 6

30 DayApr 20

45 DayMay 4

60 DayMay 19

2.750% 3.277 3.301 3.528 3.5522.875% 2.399 2.423 2.651 2.6753.000% 1.553 1.577 1.805 1.8293.125% 0.703 0.727 0.955 0.9793.250% (0.019) 0.005 0.233 0.2573.375% (0.587) (0.563) (0.336) (0.312)3.500% (1.073) (1.049) (0.822) (0.798)3.625% (1.599) (1.575) (1.347) (1.323)3.750% (0.977) (0.932) (0.724) (0.679)3.875% (1.427) (1.382) (1.174) (1.129)3.990% (1.782) (1.737) (1.529) (1.484)4.000% (1.822) (1.777) (1.569) (1.524)4.125% (2.186) (2.141) (1.933) (1.888)4.250% (1.094) (1.028) (0.902) (0.836)4.375% (1.456) (1.390) (1.264) (1.198)4.500% (1.792) (1.726) (1.600) (1.534)4.625% (2.103) (2.038) (1.911) (1.846)4.750% (1.444) (1.357) (1.407) (1.320)4.875% (1.744) (1.658) (1.707) (1.621)4.990% (1.948) (1.861) (1.911) (1.824)5.000% (2.003) (1.916) (1.966) (1.879)


15 Year Fixed (11-15 Years)

CHBF15 15 DayApr 6

30 DayApr 20

45 DayMay 4

60 DayMay 19

2.750% 2.071 2.095 2.352 2.3762.875% 1.569 1.593 1.850 1.8743.000% 1.094 1.118 1.375 1.3993.125% 0.655 0.679 0.936 0.9603.250% 0.265 0.289 0.546 0.5703.375% (0.098) (0.074) 0.184 0.2083.500% (0.150) (0.126) 0.132 0.1563.625% 0.377 0.422 0.690 0.7353.750% 0.054 0.099 0.366 0.4113.875% (0.235) (0.190) 0.078 0.1223.990% (0.439) (0.394) (0.127) (0.082)4.000% (0.292) (0.247) 0.021 0.0664.125% (0.233) (0.167) 0.174 0.2394.250% (0.487) (0.422) (0.081) (0.016)4.375% (0.715) (0.649) (0.309) (0.243)4.500% (0.700) (0.635) (0.294) (0.228)


5/1 LIBOR ARM

CHBL5 15 DayApr 6

30 DayApr 20

45 DayMay 4

60 DayMay 19

2.990% 0.598 0.723 0.848 0.9733.125% 0.132 0.257 0.382 0.5073.250% (0.253) (0.128) (0.003) 0.1223.375% (0.637) (0.512) (0.387) (0.262)3.500% (1.008) (0.883) (0.758) (0.633)3.625% (1.378) (1.253) (1.128) (1.003)3.750% (1.443) (1.318) (1.193) (1.068)3.875% (1.506) (1.381) (1.256) (1.131)4.000% (1.487) (1.362) (1.237) (1.112)4.125% (1.466) (1.341) (1.216) (1.091)4.250% (1.841) (1.716) (1.591) (1.466)4.375% (2.216) (2.091) (1.966) (1.841)4.500% (2.324) (2.199) (2.074) (1.949)4.625% (2.432) (2.307) (2.182) (2.057)Max Net Rebate: (4.000) Margin: 2.250 Caps: 2.000/2.000/5.000


7/1 Libor ARM

CHBL7 15 DayApr 6

30 DayApr 20

45 DayMay 4

60 DayMay 19

3.000% 0.804 0.929 1.054 1.1793.125% 0.345 0.470 0.595 0.7203.250% (0.116) 0.009 0.134 0.2593.375% (0.575) (0.450) (0.325) (0.200)3.500% (0.840) (0.715) (0.590) (0.465)3.625% (1.104) (0.979) (0.854) (0.729)3.750% (1.561) (1.436) (1.311) (1.186)3.875% (2.016) (1.891) (1.766) (1.641)3.990% (1.995) (1.870) (1.745) (1.620)4.125% (2.132) (2.007) (1.882) (1.757)4.250% (2.581) (2.456) (2.331) (2.206)4.375% (3.028) (2.903) (2.778) (2.653)4.500% (2.493) (2.368) (2.243) (2.118)4.625% (1.958) (1.833) (1.708) (1.583)4.750% (2.401) (2.276) (2.151) (2.026)Max Net Rebate: (4.000) Margin: 2.250 Caps: 5.000/2.000/5.000


5/5 Treasury ARM

CHBT55 15 DayApr 6

30 DayApr 20

45 DayMay 4

60 DayMay 19

2.990% 2.587 2.712 2.837 2.9623.125% 2.286 2.411 2.536 2.6613.250% 1.903 2.028 2.153 2.2783.375% 1.521 1.646 1.771 1.8963.500% 1.149 1.274 1.399 1.5243.625% 0.778 0.903 1.028 1.1533.750% 0.551 0.676 0.801 0.9263.875% 0.325 0.450 0.575 0.7004.000% 0.113 0.238 0.363 0.4884.125% (0.098) 0.027 0.152 0.2774.250% (0.474) (0.349) (0.224) (0.099)4.375% (0.849) (0.724) (0.599) (0.474)4.500% (0.891) (0.766) (0.641) (0.516)4.625% (0.932) (0.807) (0.682) (0.557)Max Net Rebate: (4.000) Margin: 2.250 Caps: 2.000/2.000/6.000

Weekly Average 5 year CMT : 0.79000



Conforming High Balance Fixed & ARM

Broker Support: 888-H2O-7026




















https://www.caliberhomeloans.com/docs/default-source/secure/ratesheets/caliber-home-loans-conventional-conforming-fixed-and-arm-lpmi-adjustments_cl1.pdf

LTV <=50 50.01-60 60.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97 >97FHA Streamline 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125VA Streamline 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125VA Cashout >90% LTV N/A N/A N/A N/A N/A N/A N/A 2.000 2.000 2.000Second Home 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500Investment Property 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500State AdjustmentsNV 0.150 0.150 0.150 0.150 0.150 0.150 0.150 0.150 0.150 0.150KY, MN 0.100 0.100 0.100 0.100 0.100 0.100 0.100 0.100 0.100 0.100AR, AZ, CA, CT, IA, ID, IN, KS, MA, MI, MT, NE, NM, NY, RI, SD, VT, WV 0.050 0.050 0.050 0.050 0.050 0.050 0.050 0.050 0.050 0.050AL, CO, DC, DE, HI, ME, MO, MS, NC, ND, OH, SC, TN, UT, WI, WY 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000IL, OK, WA (0.025) (0.025) (0.025) (0.025) (0.025) (0.025) (0.025) (0.025) (0.025) (0.025)AK, FL, GA, LA, MD, NH, NJ, OR, PA, VA (0.050) (0.050) (0.050) (0.050) (0.050) (0.050) (0.050) (0.050) (0.050) (0.050)TX (0.150) (0.150) (0.150) (0.150) (0.150) (0.150) (0.150) (0.150) (0.150) (0.150)LTV/FICO Adjustments 780+ FICO (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250)720-779 FICO (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) (0.125)680-719 FICO 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000660-679 FICO 0.375 0.375 0.375 0.375 0.375 0.375 0.375 0.375 0.375 0.375640-659 FICO 0.750 0.750 0.750 0.750 0.750 0.750 0.750 0.750 0.750 0.750620-639 FICO 1.500 1.500 1.500 1.500 1.500 1.500 1.500 1.500 1.500 1.500600-619 FICO 2.000 2.000 2.000 2.000 2.000 2.000 2.000 2.000 2.000 2.000

FHA 30(16-30) Fixed High Balance and HUD $100 Down 30(16-30) Year Fixed High Balance

FHBF30 F203HHBF30

15 DayApr 6

30 DayApr 20

45 DayMay 4

60 DayMay 19

2.750% 0.368 0.658 0.973 1.0252.875% (0.172) 0.118 0.433 0.4843.125% (1.183) (0.893) (0.578) (0.527)3.375% (1.113) (0.843) (0.553) (0.457)3.990% (1.141) (0.953) (0.781) (0.641)4.250% (0.751) (0.582) 0.221 0.4054.375% (1.157) (0.988) (0.185) (0.001)4.990% (1.665) (1.672) (1.769) (1.540)


5/1 Treasury ARM High Balance

FHB/VHBT5 15 DayApr 6

30 DayApr 20

45 DayMay 4

60 DayMay 19

2.625% 0.195 0.320 0.445 0.5702.750% (0.259) (0.134) (0.009) 0.1162.875% (0.614) (0.489) (0.364) (0.239)3.000% (0.963) (0.838) (0.713) (0.588)3.125% (1.305) (1.180) (1.055) (0.930)3.250% (1.795) (1.670) (1.545) (1.420)3.375% (2.132) (2.007) (1.882) (1.757)3.500% (2.476) (2.351) (2.226) (2.101)3.625% (2.763) (2.638) (2.513) (2.388)3.750% (2.979) (2.854) (2.729) (2.604)3.875% (3.272) (3.147) (3.022) (2.897)4.000% (3.541) (3.416) (3.291) (3.166)4.125% (3.787) (3.662) (3.537) (3.412)4.250% (4.259) (4.134) (4.009) (3.884)4.375% (4.507) (4.382) (4.257) (4.132)4.500% (4.736) (4.611) (4.486) (4.361)4.625% (4.944) (4.819) (4.694) (4.569)

Max Net Rebate: (5.000) Margin: 2.000 Caps: 1.000/1.000/5.000Treasury Constant 1 Year: 0.21000

Government High Balance Fixed and ARM



San Diego Wholesale - CL1 Rate Sheet ABroker Support: 888-H2O-7026


VA 30(16-30) Year High Balance Fixed

VHBF30 15 DayApr 6

30 DayApr 20

45 DayMay 4

60 DayMay 19

2.750% 1.065 1.355 1.670 1.6942.875% 0.732 1.023 1.337 1.3613.125% 0.220 0.510 0.825 0.8493.375% (0.199) 0.071 0.361 0.4063.990% (0.073) 0.116 0.287 0.3524.250% (0.011) 0.158 0.961 1.0474.375% (0.253) (0.084) 0.719 0.8054.990% (0.638) (0.644) (0.742) (0.635)


VA 15(11-15) Year Fixed High Balance

VHBF15 15 DayApr 6

30 DayApr 20

45 DayMay 4

60 DayMay 19

2.250% 5.679 5.683 6.086 6.0892.375% 5.310 5.313 5.716 5.7192.500% 4.944 4.947 5.350 5.3532.625% 4.581 4.584 4.987 4.9902.750% 3.411 3.435 3.692 3.7172.875% 3.051 3.075 3.332 3.3562.990% 2.724 2.748 3.005 3.0293.000% 2.696 2.720 2.977 3.0013.125% 2.348 2.372 2.629 2.6533.250% 2.529 2.574 2.842 2.8873.375% 2.186 2.231 2.498 2.5433.500% 1.855 1.900 2.168 2.2133.625% 1.544 1.588 1.856 1.9013.750% 1.585 1.650 1.991 2.0563.875% 1.286 1.351 1.692 1.7583.990% 1.032 1.098 1.438 1.5044.000% 1.011 1.077 1.417 1.483


FHA 15(11-15) Year Fixed High BalanceFHBF15

F203HHB1515 DayApr 6

30 DayApr 20

45 DayMay 4

60 DayMay 19

2.250% 5.113 5.116 5.519 5.5222.375% 4.601 4.604 5.007 5.0112.500% 4.091 4.095 4.498 4.5012.625% 3.584 3.588 3.991 3.9942.750% 2.836 2.860 3.117 3.1412.875% 2.331 2.355 2.612 2.6362.990% 1.871 1.895 2.152 2.1763.000% 1.831 1.855 2.112 2.1363.125% 1.337 1.361 1.618 1.6423.250% 1.942 1.986 2.254 2.2993.375% 1.452 1.497 1.764 1.8093.500% 0.974 1.019 1.286 1.3313.625% 0.514 0.559 0.826 0.8713.750% 0.975 1.040 1.381 1.4463.875% 0.525 0.591 0.932 0.9973.990% 0.134 0.200 0.541 0.6064.000% 0.101 0.167 0.507 0.573


















Caliber Jumbo

Caliber Jumbo 30 Year Fixed*

JF30 15 DayApr 6

30 DayApr 20

45 DayMay 4

60 DayMay 19

3.375% 6.618 6.681 6.743 6.8373.500% 6.459 6.521 6.584 6.6783.625% 6.007 6.070 6.132 6.2263.750% 5.566 5.628 5.691 5.7843.875% 5.250 5.312 5.375 5.4694.000% 5.076 5.138 5.201 5.2944.125% 4.848 4.911 4.973 5.0674.250% 4.570 4.632 4.695 4.7894.375% 4.169 4.231 4.294 4.3884.500% 3.871 3.933 3.996 4.0894.625% 3.750 3.812 3.875 3.9694.750% 3.460 3.523 3.585 3.6794.875% 3.103 3.166 3.228 3.3225.000% 2.766 2.828 2.891 2.9845.125% 2.542 2.604 2.667 2.7605.250% 2.332 2.394 2.457 2.5515.375% 2.122 2.184 2.247 2.3405.500% 1.912 1.974 2.037 2.130


Caliber Jumbo 5/1 LIBOR ARM

JL5 15 DayApr 6

30 DayApr 20

45 DayMay 4

60 DayMay 19

3.250% 6.506 6.631 6.756 6.8813.375% 6.116 6.241 6.366 6.4913.500% 5.688 5.813 5.938 6.0633.625% 5.263 5.388 5.513 5.6383.750% 5.120 5.245 5.370 5.4953.875% 4.699 4.824 4.949 5.0744.000% 4.280 4.405 4.530 4.6554.125% 4.008 4.133 4.258 4.3834.250% 3.740 3.865 3.990 4.1154.375% 3.469 3.594 3.719 3.8444.500% 3.198 3.323 3.448 3.573Max Net Rebate: (2.000) Margin: 2.250 Caps: 2.000/2.000/5.000



JL10 15 DayApr 6

30 DayApr 20

45 DayMay 4

60 DayMay 19



Caliber Jumbo 15 Year Fixed

JF15 15 DayApr 6

30 DayApr 20

45 DayMay 4

60 DayMay 19

3.250% 5.032 5.157 5.282 5.4073.375% 4.567 4.692 4.817 4.9423.500% 4.160 4.285 4.410 4.5353.625% 3.676 3.801 3.926 4.0513.750% 3.259 3.384 3.509 3.6343.875% 2.887 3.012 3.137 3.2624.000% 2.547 2.672 2.797 2.9224.125% 2.414 2.539 2.664 2.7894.250% 2.106 2.231 2.356 2.4814.375% 1.826 1.951 2.076 2.2014.500% 1.670 1.795 1.920 2.045


LTV/CLTV/HCLTV 0-55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97 >97Purchase Transaction (0.375) (0.375) (0.250) (0.250) (0.250) (0.250) (0.500) (0.500) N/A N/A N/A780+ FICO (0.500) (0.500) (0.500) (0.375) (0.250) 0.000 0.125 0.125 N/A N/A N/A760-779 FICO (0.500) (0.375) (0.375) (0.375) (0.125) 0.125 0.250 0.250 N/A N/A N/A740-759 FICO (0.500) (0.375) (0.250) (0.250) 0.000 0.250 0.500 0.500 N/A N/A N/A720-739 FICO (0.500) (0.375) (0.250) (0.250) 0.000 0.500 0.750 0.750 N/A N/A N/A700-719 FICO (0.375) (0.250) (0.125) 0.000 0.250 0.625 1.000 1.000 N/A N/A N/A680-699 FICO (0.375) (0.250) (0.125) 0.000 0.500 0.875 N/A N/A N/A N/A N/AInvestment Property 0.500 0.500 0.750 N/A N/A N/A N/A N/A N/A N/A N/ACash Out Refinance 0.000 0.000 0.250 0.500 0.875 N/A N/A N/A N/A N/A N/ALTV > 80% w/ No MI**No MI w/ 720+ FICO N/A N/A N/A N/A N/A N/A 0.750 1.000 N/A N/A N/A



90 Day = 60 Day Price – 50 bps75 Day = 60 Day Price – 30 bps* Caliber Jumbo 30 Year Fixed additional lock terms


JL7 15 DayApr 6

30 DayApr 20

45 DayMay 4

60 DayMay 19



**Please note that the adjustments for LTV/CLTV/HCLTV, are in addition to the adjustments for LTV > 80% w/ No MI
















Caliber High Balance

Caliber High Balance 30 Year Fixed

CALHBF30 15 DayApr 6

30 DayApr 20

45 DayMay 4

60 DayMay 19

3.000% 6.107 6.232 6.357 6.4823.125% 5.740 5.865 5.990 6.1153.250% 5.406 5.531 5.656 5.7813.375% 4.579 4.704 4.829 4.9543.500% 4.281 4.406 4.531 4.6563.625% 4.050 4.175 4.300 4.4253.750% 3.881 4.006 4.131 4.2563.875% 3.680 3.805 3.930 4.0554.000% 3.593 3.718 3.843 3.9684.125% 3.120 3.245 3.370 3.4954.250% 3.073 3.198 3.323 3.4484.375% 3.015 3.140 3.265 3.3904.500% 2.927 3.052 3.177 3.3024.625% 2.856 2.981 3.106 3.231


LTV/CLTV/HCLTV 0-60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97 >97Cashout Refinance 0.150 0.250 0.700 1.000 1.450 N/A N/A N/A N/A N/ACashout Refinance 0.150 0.250 0.700 1.000 1.450 N/A N/A N/A N/A N/ASecond Home 0.150 0.250 0.350 0.550 0.750 N/A N/A N/A N/A N/ASecond Home 0.150 0.250 0.350 0.550 0.750 N/A N/A N/A N/A N/ACondo (LR and HR) 0.000 0.000 0.100 0.200 0.300 0.500 0.000 N/A N/A N/ACondo (LR and HR) 0.000 0.000 0.100 0.200 0.300 0.500 0.000 N/A N/A N/A2 Unit 0.000 0.050 0.100 0.250 0.500 N/A N/A N/A N/A N/A2 Unit 0.000 0.050 0.100 0.250 0.500 N/A N/A N/A N/A N/AInvestment Property 0.700 0.850 1.000 1.500 2.500 N/A N/A N/A N/A N/AInvestment Property 0.700 0.850 1.000 1.500 2.500 N/A N/A N/A N/A N/AFICO Adjustment to Price800 + FICO (0.550) (0.500) (0.450) (0.250) (0.150) 0.500 0.600 N/A N/A N/A800 + FICO (0.550) (0.500) (0.450) (0.250) (0.150) 0.500 0.600 N/A N/A N/A760-799 FICO (0.500) (0.450) (0.400) (0.200) (0.100) 0.600 0.800 N/A N/A N/A760-799 FICO (0.500) (0.450) (0.400) (0.200) (0.100) 0.600 0.800 N/A N/A N/A740-759 FICO (0.450) (0.400) (0.350) (0.150) 0.000 0.700 1.000 N/A N/A N/A740-759 FICO (0.450) (0.400) (0.350) (0.150) 0.000 0.700 1.000 N/A N/A N/A720-739 FICO (0.400) (0.350) (0.250) 0.000 0.100 0.800 1.200 N/A N/A N/A720-739 FICO (0.400) (0.350) (0.250) 0.000 0.100 0.800 1.200 N/A N/A N/A700-719 FICO (0.350) (0.250) (0.150) 0.150 0.450 0.900 1.500 N/A N/A N/A700-719 FICO (0.350) (0.250) (0.150) 0.150 0.450 0.900 1.500 N/A N/A N/A680-699 FICO (0.250) (0.150) (0.050) 0.500 0.850 1.350 2.000 N/A N/A N/A680-699 FICO (0.250) (0.150) (0.050) 0.500 0.850 1.350 2.000 N/A N/A N/A





Doctor/Physicians 7/1 LIBOR ARM

CDRL7 15 DayApr 6

30 DayApr 20

45 DayMay 4

60 DayMay 19

3.000% (0.026) 0.099 0.224 0.3493.125% (0.485) (0.360) (0.235) (0.110)3.250% (0.946) (0.821) (0.696) (0.571)3.375% (1.405) (1.280) (1.155) (1.030)3.500% (1.670) (1.545) (1.420) (1.295)3.625% (1.934) (1.809) (1.684) (1.559)3.750% (2.391) (2.266) (2.141) (2.016)3.875% (2.846) (2.721) (2.596) (2.471)3.990% (2.825) (2.700) (2.575) (2.450)4.125% (2.962) (2.837) (2.712) (2.587)4.250% (3.411) (3.286) (3.161) (3.036)4.375% (3.858) (3.733) (3.608) (3.483)4.500% (3.323) (3.198) (3.073) (2.948)4.625% (2.788) (2.663) (2.538) (2.413)4.750% (3.231) (3.106) (2.981) (2.856)


Doctor/Physicians Fixed 30 Year

CDRF30 15 DayApr 6

30 DayApr 20

45 DayMay 4

60 DayMay 19

2.750% 2.915 2.939 3.166 3.1902.875% 2.005 2.029 2.256 2.2803.000% 1.115 1.139 1.366 1.3903.125% 0.196 0.220 0.448 0.4723.250% (0.542) (0.518) (0.290) (0.266)3.375% (1.101) (1.077) (0.849) (0.825)3.500% (1.566) (1.542) (1.315) (1.291)3.990% (2.147) (2.102) (1.894) (1.849)4.990% (2.586) (2.500) (2.549) (2.463)


LTV <=60 60.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97 > 97Total Loan Amount $100,000-$125,000 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125 N/ATotal Loan Amount $75,000-$99,999 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500 N/ATotal Loan Amount $50,000-$74,999 0.750 0.750 0.750 0.750 0.750 0.750 0.750 0.750 N/ATotal Loan Amount < $50,000 1.500 1.500 1.500 1.500 1.500 1.500 1.500 1.500 N/ALow or Highrise Condo (All Products w/Terms > 15 Yrs) 0.000 0.000 0.000 0.750 0.750 0.750 0.750 0.750 N/AEscrow Waiver (CA 0.00, NY 0.00) 0.250 0.250 0.250 0.250 N/A N/A N/A N/A N/A<=75% LTV - <=80% CLTV or 75.01-76% LTV-75.01-76% CLTV 0.375 0.375 0.375 0.375 N/A N/A N/A N/A N/A<=75% LTV - 80.01-97% CLTV & < 720 FICO 0.875 1.125 1.125 N/A N/A N/A N/A N/A N/A<= 75% LTV - 80.01-97% CLTV & 720+ FICO 0.625 0.875 0.875 N/A N/A N/A N/A N/A N/A>75% LTV - 76.01-97% CLTV & < 720 FICO N/A N/A N/A 1.375 1.375 1.375 1.375 1.375 N/A>75% LTV - 76.01-97% CLTV & 720+ FICO N/A N/A N/A 1.125 1.125 1.125 1.125 1.125 N/AHigh LTV N/A N/A N/A N/A N/A N/A 0.250 0.250 N/ALTV (High Balance ARM limits Only) 0.000 0.000 0.000 0.750 0.750 0.750 N/A N/A N/APurchase or No C/O: Rate/Term (High Balance limits Only) 0.250 0.250 0.250 0.250 0.250 0.250 N/A N/A N/AState AdjustmentsNV 0.150 0.150 0.150 0.150 0.150 0.150 0.150 0.150 N/ACA (State Adjustment of 0.125 for CA), MN 0.075 0.075 0.075 0.075 0.075 0.075 0.075 0.075 N/AAZ, CO, CT, DC, IA, ID, IN, KY, MA, MT, NE, NY, RI, SD, WV, WY 0.050 0.050 0.050 0.050 0.050 0.050 0.050 0.050 N/AAL, AR, DE, HI, IL, KS, MD, ME, MI, MO, MS, NC, ND, NH, NM, OH, SC, TN, UT, VA, VT, WA, WI 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 N/AAK, GA, LA, NJ, OK, OR (0.050) (0.050) (0.050) (0.050) (0.050) (0.050) (0.050) (0.050) N/AFL, PA (0.075) (0.075) (0.075) (0.075) (0.075) (0.075) (0.075) (0.075) N/ATX (0.150) (0.150) (0.150) (0.150) (0.150) (0.150) (0.150) (0.150) N/ALTV/FICO Adjustments: All Products w/Terms > 15 Yrs740+ FICO 0.000 0.250 0.250 0.500 0.250 0.250 0.250 0.250 N/A720-739 FICO 0.000 0.250 0.500 0.750 0.500 0.500 0.500 0.500 N/A

Doctor/Physicians High Balance Fixed 30 Year

CDRHBF30 15 DayApr 6

30 DayApr 20

45 DayMay 4

60 DayMay 19

2.750% 3.637 3.661 3.888 3.9122.875% 2.759 2.783 3.011 3.0353.000% 1.913 1.937 2.165 2.1893.125% 1.063 1.087 1.315 1.3393.250% 0.341 0.365 0.593 0.6173.375% (0.227) (0.203) 0.024 0.0483.500% (0.713) (0.689) (0.462) (0.438)3.625% (1.239) (1.215) (0.987) (0.963)3.750% (0.764) (0.719) (0.511) (0.466)3.875% (1.214) (1.169) (0.961) (0.916)3.990% (1.568) (1.524) (1.315) (1.271)4.000% (1.609) (1.564) (1.356) (1.311)4.125% (1.973) (1.928) (1.720) (1.675)4.250% (0.828) (0.762) (0.636) (0.570)4.375% (1.190) (1.124) (0.998) (0.932)4.500% (1.526) (1.460) (1.334) (1.268)4.625% (1.837) (1.771) (1.645) (1.579)4.750% (0.986) (0.900) (0.949) (0.863)4.875% (1.287) (1.200) (1.250) (1.163)4.990% (1.490) (1.404) (1.453) (1.367)5.000% (1.545) (1.459) (1.508) (1.422)


Doctor/Physicians High Balance 7/1 LIBOR ARM

CDRHBL7 15 DayApr 6

30 DayApr 20

45 DayMay 4

60 DayMay 19

3.000% 0.804 0.929 1.054 1.1793.125% 0.345 0.470 0.595 0.7203.250% (0.116) 0.009 0.134 0.2593.375% (0.575) (0.450) (0.325) (0.200)3.500% (0.840) (0.715) (0.590) (0.465)3.625% (1.104) (0.979) (0.854) (0.729)3.750% (1.561) (1.436) (1.311) (1.186)3.875% (2.016) (1.891) (1.766) (1.641)3.990% (1.995) (1.870) (1.745) (1.620)4.125% (2.132) (2.007) (1.882) (1.757)4.250% (2.581) (2.456) (2.331) (2.206)4.375% (3.028) (2.903) (2.778) (2.653)4.500% (2.493) (2.368) (2.243) (2.118)4.625% (1.958) (1.833) (1.708) (1.583)4.750% (2.401) (2.276) (2.151) (2.026)




Doctor/Physician Fixed and ARM

Broker Support: 888-H2O-7026




Click here for Reduced MI Adjustments




HomeReady Mortgage and Home Possible

HomeReady 30(16-30) Year Fixed

CHRF30 15 DayApr 6

30 DayApr 20

45 DayMay 4

60 DayMay 19

3.375% (0.642) (0.618) (0.390) (0.366)3.500% (1.093) (1.069) (0.842) (0.818)3.625% (1.702) (1.678) (1.450) (1.426)3.750% (0.880) (0.835) (0.627) (0.582)3.875% (1.282) (1.237) (1.029) (0.984)3.990% (1.584) (1.539) (1.331) (1.286)4.000% (1.644) (1.599) (1.391) (1.346)4.125% (1.975) (1.930) (1.722) (1.677)4.250% (1.051) (0.985) (0.859) (0.793)4.375% (1.389) (1.323) (1.197) (1.131)4.500% (1.690) (1.625) (1.499) (1.433)4.625% (1.995) (1.929) (1.803) (1.737)4.750% (1.553) (1.467) (1.516) (1.430)4.875% (1.852) (1.765) (1.815) (1.728)4.990% (2.048) (1.962) (2.011) (1.925)5.000% (2.131) (2.044) (2.094) (2.007)



This rate sheet is intended for use by mortgage professionals only. Prices, rates, and terms are subject to change without notice. Locking, Relocking, Lock Extensions, Program/Product change requests to the Price Desk must be submitted before 6:45 pm CT. Effective Mar 20, 2020 4:35 PM CT - of 20


Home Possible 30(16-30) Year Fixed

CHMPF30 15 DayApr 6

30 DayApr 20

45 DayMay 4

60 DayMay 19

2.750% 3.295 3.319 3.546 3.5702.875% 2.385 2.409 2.636 2.6603.000% 1.495 1.519 1.746 1.7703.125% 0.576 0.600 0.828 0.8523.250% (0.162) (0.138) 0.090 0.1143.375% (0.721) (0.697) (0.469) (0.445)3.500% (1.186) (1.162) (0.935) (0.911)3.625% (1.702) (1.678) (1.450) (1.426)3.750% (0.999) (0.954) (0.746) (0.701)3.875% (1.430) (1.385) (1.177) (1.132)3.990% (1.767) (1.722) (1.514) (1.469)4.000% (1.824) (1.779) (1.571) (1.526)4.125% (2.185) (2.141) (1.932) (1.888)


Home Possible 15(11-15) Year Fixed

CHMPF15 15 DayApr 6

30 DayApr 20

45 DayMay 4

60 DayMay 19

2.750% 1.724 1.748 2.005 2.0292.875% 0.962 0.986 1.243 1.2672.990% 0.527 0.551 0.808 0.8323.000% 0.386 0.410 0.667 0.6913.125% (0.097) (0.073) 0.184 0.2083.250% (0.537) (0.513) (0.255) (0.231)3.375% (0.969) (0.945) (0.688) (0.664)3.500% (1.110) (1.086) (0.829) (0.805)3.625% (0.773) (0.728) (0.461) (0.416)3.750% (1.163) (1.118) (0.850) (0.805)3.875% (1.528) (1.483) (1.216) (1.171)3.990% (1.795) (1.751) (1.483) (1.438)4.000% (1.711) (1.666) (1.399) (1.354)4.125% (1.754) (1.688) (1.348) (1.282)4.250% (2.093) (2.028) (1.687) (1.621)4.375% (2.396) (2.331) (1.990) (1.924)4.500% (2.388) (2.323) (1.982) (1.916)


HomeReady 15(10-15) Year Fixed

CHRF15 15 DayApr 6

30 DayApr 20

45 DayMay 4

60 DayMay 19

3.625% (0.773) (0.728) (0.461) (0.416)3.750% (1.163) (1.118) (0.850) (0.805)3.875% (1.528) (1.483) (1.216) (1.171)3.990% (1.795) (1.751) (1.483) (1.438)4.000% (1.711) (1.666) (1.399) (1.354)4.125% (1.754) (1.688) (1.348) (1.282)4.250% (2.093) (2.028) (1.687) (1.621)4.375% (2.396) (2.331) (1.990) (1.924)4.500% (2.388) (2.323) (1.982) (1.916)4.625% (1.668) (1.582) (1.637) (1.551)4.750% (1.920) (1.834) (1.889) (1.802)4.875% (2.123) (2.036) (2.092) (2.005)



Click here for HomeReady and Home Possible LLPA Caps

HomeReady and Home Possible LTV Adjustments 0-60 60.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97 > 97Total Loan Amount $100,000-$125,000 (N/A on High Balance) 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125 N/ATotal Loan Amount $75,000-$99,999 (N/A on High Balance) 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500 N/ATotal Loan Amount $50,000-$74,999 (N/A on High Balance) 0.750 0.750 0.750 0.750 0.750 0.750 0.750 0.750 N/ATotal Loan Amount < $50,000 (N/A on High Balance) 1.500 1.500 1.500 1.500 1.500 1.500 1.500 1.500 N/A2 Unit 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 N/A3-4 Units 1.000 1.000 1.000 1.000 1.500 2.000 2.000 2.000 N/ALow or High Rise Condo (All Products w/Terms > 15 Yrs) 0.000 0.000 0.000 0.750 0.750 0.750 0.750 0.750 N/AEscrow Waiver (CA 0.00, NY 0.00) 0.250 0.250 0.250 0.250 N/A N/A N/A N/A N/A<=75% LTV - <=80% CLTV or 75.01-76% LTV-75.01-76% CLTV or > 95% LTV - > 95% CLTV (HomeReady Only; N/A Community Second) 0.375 0.375 0.375 0.375 N/A N/A N/A 0.375 N/A<=75% LTV - 80.01-95% CLTV & < 720 FICO (HomeReady Only; N/A Community Second) 0.875 1.125 1.125 N/A N/A N/A N/A N/A N/A<= 75% LTV - 80.01-95% CLTV & 720+ FICO (HomeReady Only; N/A Community Second) 0.625 0.875 0.875 N/A N/A N/A N/A N/A N/A>75% LTV - 76.01-95% CLTV & < 720 FICO (HomeReady Only; N/A Community Second) N/A N/A N/A 1.375 1.375 1.375 1.375 N/A N/A>75% LTV - 76.01-95% CLTV & 720+ FICO (HomeReady Only; N/A Community Second) N/A N/A N/A 1.125 1.125 1.125 1.125 N/A N/A<=95% LTV - 95.01-97% CLTV (HomeReady Only; N/A Community Second) 1.875 1.875 1.875 1.875 1.875 1.875 1.875 N/A N/APurchase or No C/O: Rate/Term ( HomeReady / HomePossible High Balance Only) 0.250 0.250 0.250 0.250 0.250 0.250 0.250 N/A N/ASecondary Financing (HomePossible Only & N/A on Affordable Seconds with <= 95% LTV) 0.500 0.500 0.500 0.500 0.500 0.500 0.500 N/A N/AState Adjustments ( HomeReady and Home Possible) NV 0.150 0.150 0.150 0.150 0.150 0.150 0.150 0.150 N/ACA (State Adjustment of 0.125 for CA), MN 0.075 0.075 0.075 0.075 0.075 0.075 0.075 0.075 N/AAZ, CO, CT, DC, IA, ID, IN, KY, MA, MT, NE, NY, RI, SD, WV, WY 0.050 0.050 0.050 0.050 0.050 0.050 0.050 0.050 N/AAL, AR, DE, HI, IL, KS, MD, ME, MI, MO, MS, NC, ND, NH, NM, OH, SC, TN, UT, VA, VT, WA, WI 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 N/AAK, GA, LA, NJ, OK, OR (0.050) (0.050) (0.050) (0.050) (0.050) (0.050) (0.050) (0.050) N/AFL, PA (0.075) (0.075) (0.075) (0.075) (0.075) (0.075) (0.075) (0.075) N/ATX (0.150) (0.150) (0.150) (0.150) (0.150) (0.150) (0.150) (0.150) N/ALTV/FICO Adjustments: All Products w/Terms > 15 Yrs. ( HomeReady and Home Possible) 740+ FICO 0.000 0.250 0.250 0.500 0.250 0.250 0.250 0.750 N/A720-739 FICO 0.000 0.250 0.500 0.750 0.500 0.500 0.500 1.000 N/A700-719 FICO 0.000 0.500 1.000 1.250 1.000 1.000 1.000 1.500 N/A680-699 FICO 0.000 0.500 1.250 1.750 1.500 1.250 1.250 1.500 N/A660-679 FICO 0.000 1.000 2.250 2.750 2.750 2.250 2.250 2.250 N/A640-659 FICO 0.500 1.250 2.750 3.000 3.250 2.750 2.750 2.750 N/A620-639 FICO (Applicable to Non Traditional Credit HomeReady Only) 0.500 1.500 3.000 3.000 3.250 3.250 3.250 3.500 N/A

Click here for LPMI AdjustmentsClick here for Reduced MI Adjustments



https://www.caliberhomeloans.com/docs/default-source/secure/ratesheets/llpa-caps-homeready-whl_rtl.pdf



HomeReady Mortgage and Home Possible High Balance

HomeReady High Balance 30(16-30) Year Fixed

CHRHBF30 15 DayApr 6

30 DayApr 20

45 DayMay 4

60 DayMay 19

2.750% 3.647 3.671 3.898 3.9222.875% 2.769 2.793 3.021 3.0453.000% 1.923 1.947 2.175 2.1993.125% 1.073 1.097 1.325 1.3493.250% 0.351 0.375 0.603 0.6273.375% (0.217) (0.193) 0.034 0.0583.500% (0.703) (0.679) (0.452) (0.428)3.625% (1.229) (1.205) (0.977) (0.953)3.750% (0.607) (0.562) (0.354) (0.309)3.875% (1.057) (1.012) (0.804) (0.759)3.990% (1.412) (1.367) (1.159) (1.114)4.000% (1.452) (1.407) (1.199) (1.154)4.125% (1.816) (1.771) (1.563) (1.518)4.250% (0.724) (0.658) (0.532) (0.466)4.375% (1.086) (1.020) (0.894) (0.828)4.500% (1.422) (1.356) (1.230) (1.164)4.990% (1.578) (1.491) (1.541) (1.454)





Home Possible High Balance 30(16-30) Year Fixed

CHMPHBF30 15 DayApr 6

30 DayApr 20

45 DayMay 4

60 DayMay 19

2.750% 2.547 2.571 2.798 2.8222.875% 1.669 1.693 1.921 1.9453.000% 0.823 0.847 1.075 1.0993.125% (0.027) (0.003) 0.225 0.2493.250% (0.749) (0.725) (0.497) (0.473)3.375% (1.317) (1.293) (1.066) (1.042)3.500% (1.803) (1.779) (1.552) (1.528)3.625% (2.329) (2.305) (2.077) (2.053)3.750% (1.707) (1.662) (1.454) (1.409)3.875% (2.157) (2.112) (1.904) (1.859)3.990% (2.592) (2.547) (2.339) (2.294)4.000% (2.552) (2.507) (2.299) (2.254)4.125% (2.916) (2.871) (2.663) (2.618)4.250% (1.824) (1.758) (1.632) (1.566)4.375% (2.186) (2.120) (1.994) (1.928)4.500% (2.522) (2.456) (2.330) (2.264)4.990% (2.758) (2.671) (2.721) (2.634)


Home Possible High Balance 15(11-15) Year Fixed

CHMPHBF15 15 DayApr 6

30 DayApr 20

45 DayMay 4

60 DayMay 19

2.750% 1.341 1.365 1.622 1.6462.875% 0.839 0.863 1.120 1.1443.000% 0.364 0.388 0.645 0.6693.125% (0.075) (0.051) 0.206 0.2303.250% (0.465) (0.441) (0.184) (0.160)3.375% (0.828) (0.804) (0.546) (0.522)3.500% (0.880) (0.856) (0.598) (0.574)3.625% (0.353) (0.308) (0.040) 0.0053.750% (0.676) (0.631) (0.364) (0.319)3.875% (0.965) (0.920) (0.652) (0.608)3.990% (1.249) (1.204) (0.937) (0.892)4.000% (1.022) (0.977) (0.709) (0.664)4.125% (0.963) (0.897) (0.556) (0.491)4.250% (1.217) (1.152) (0.811) (0.746)4.375% (1.445) (1.379) (1.039) (0.973)4.500% (1.430) (1.365) (1.024) (0.958)



Click here for HomeReady and Home Possible LLPA Caps

HomeReady High Balance 15(10-15) year Fixed

CHRHBF15 15 DayApr 6

30 DayApr 20

45 DayMay 4

60 DayMay 19

2.750% 2.441 2.465 2.722 2.7462.875% 1.939 1.963 2.220 2.2443.000% 1.464 1.488 1.745 1.7693.125% 1.025 1.049 1.306 1.3303.250% 0.635 0.659 0.916 0.9403.375% 0.272 0.296 0.554 0.5783.500% 0.220 0.244 0.502 0.5263.625% 0.747 0.792 1.060 1.1053.750% 0.424 0.469 0.736 0.7813.875% 0.135 0.180 0.448 0.4923.990% (0.069) (0.024) 0.243 0.2884.000% 0.078 0.123 0.391 0.4364.125% 0.137 0.203 0.544 0.6094.250% (0.117) (0.052) 0.289 0.3544.375% (0.345) (0.279) 0.061 0.1274.500% (0.330) (0.265) 0.076 0.142


HomeReady and Home Possible LTV Adjustments 0-60 60.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97 > 97Total Loan Amount $100,000-$125,000 (N/A on High Balance) 0.125 0.125 0.125 0.125 0.125 0.125 0.125 0.125 N/ATotal Loan Amount $75,000-$99,999 (N/A on High Balance) 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500 N/ATotal Loan Amount $50,000-$74,999 (N/A on High Balance) 0.750 0.750 0.750 0.750 0.750 0.750 0.750 0.750 N/ATotal Loan Amount < $50,000 (N/A on High Balance) 1.500 1.500 1.500 1.500 1.500 1.500 1.500 1.500 N/A2 Unit 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 N/A3-4 Units 1.000 1.000 1.000 1.000 1.500 2.000 2.000 2.000 N/ALow or High Rise Condo (All Products w/Terms > 15 Yrs) 0.000 0.000 0.000 0.750 0.750 0.750 0.750 0.750 N/AEscrow Waiver (CA 0.00, NY 0.00) 0.250 0.250 0.250 0.250 N/A N/A N/A N/A N/A<=75% LTV - <=80% CLTV or 75.01-76% LTV-75.01-76% CLTV or > 95% LTV - > 95% CLTV (HomeReady Only; N/A Community Second) 0.375 0.375 0.375 0.375 N/A N/A N/A 0.375 N/A<=75% LTV - 80.01-95% CLTV & < 720 FICO (HomeReady Only; N/A Community Second) 0.875 1.125 1.125 N/A N/A N/A N/A N/A N/A<= 75% LTV - 80.01-95% CLTV & 720+ FICO (HomeReady Only; N/A Community Second) 0.625 0.875 0.875 N/A N/A N/A N/A N/A N/A>75% LTV - 76.01-95% CLTV & < 720 FICO (HomeReady Only; N/A Community Second) N/A N/A N/A 1.375 1.375 1.375 1.375 N/A N/A>75% LTV - 76.01-95% CLTV & 720+ FICO (HomeReady Only; N/A Community Second) N/A N/A N/A 1.125 1.125 1.125 1.125 N/A N/A<=95% LTV - 95.01-97% CLTV (HomeReady Only; N/A Community Second) 1.875 1.875 1.875 1.875 1.875 1.875 1.875 N/A N/APurchase or No C/O: Rate/Term ( HomeReady / HomePossible High Balance Only) 0.250 0.250 0.250 0.250 0.250 0.250 0.250 N/A N/ASecondary Financing (HomePossible Only & N/A on Affordable Seconds with <= 95% LTV) 0.500 0.500 0.500 0.500 0.500 0.500 0.500 N/A N/AState Adjustments ( HomeReady and Home Possible) NV 0.150 0.150 0.150 0.150 0.150 0.150 0.150 0.150 N/ACA (State Adjustment of 0.125 for CA), MN 0.075 0.075 0.075 0.075 0.075 0.075 0.075 0.075 N/AAZ, CO, CT, DC, IA, ID, IN, KY, MA, MT, NE, NY, RI, SD, WV, WY 0.050 0.050 0.050 0.050 0.050 0.050 0.050 0.050 N/AAL, AR, DE, HI, IL, KS, MD, ME, MI, MO, MS, NC, ND, NH, NM, OH, SC, TN, UT, VA, VT, WA, WI 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 N/AAK, GA, LA, NJ, OK, OR (0.050) (0.050) (0.050) (0.050) (0.050) (0.050) (0.050) (0.050) N/AFL, PA (0.075) (0.075) (0.075) (0.075) (0.075) (0.075) (0.075) (0.075) N/ATX (0.150) (0.150) (0.150) (0.150) (0.150) (0.150) (0.150) (0.150) N/ALTV/FICO Adjustments: All Products w/Terms > 15 Yrs. ( HomeReady and Home Possible) 740+ FICO 0.000 0.250 0.250 0.500 0.250 0.250 0.250 0.750 N/A720-739 FICO 0.000 0.250 0.500 0.750 0.500 0.500 0.500 1.000 N/A700-719 FICO 0.000 0.500 1.000 1.250 1.000 1.000 1.000 1.500 N/A680-699 FICO 0.000 0.500 1.250 1.750 1.500 1.250 1.250 1.500 N/A660-679 FICO 0.000 1.000 2.250 2.750 2.750 2.250 2.250 2.250 N/A640-659 FICO 0.500 1.250 2.750 3.000 3.250 2.750 2.750 2.750 N/A620-639 FICO (Applicable to Non Traditional Credit HomeReady Only) 0.500 1.500 3.000 3.000 3.250 3.250 3.250 3.500 N/A






Caliber Portfolio Elite Access

Caliber Portfolio Elite Access 5/1 LIBOR ARM IO*

NAEAL5I 30 DayApr 20

45 DayMay 4

60 DayMay 19

4.990% (0.780) (0.717) (0.655)5.500% (1.800) (1.737) (1.675)5.625% (2.050) (1.987) (1.925)5.750% (2.300) (2.237) (2.175)5.875% (2.550) (2.487) (2.425)5.990% (2.780) (2.717) (2.655)6.000% (2.800) (2.737) (2.675)6.125% (3.050) (2.987) (2.925)6.250% (3.300) (3.237) (3.175)6.375% (3.550) (3.487) (3.425)6.500% (3.800) (3.737) (3.675)6.625% (4.050) (3.987) (3.925)6.750% (4.300) (4.237) (4.175)

Max Net Rebate: 0.000 Margin: 4.000 Caps: 2.000/2.000/6.000Libor 1 Year: 0.92200

Caliber Portfolio Elite Access 5/1 LIBOR ARM*

NAEAL5 30 DayApr 20

45 DayMay 4

60 DayMay 19

4.875% (0.550) (0.487) (0.425)4.990% (0.780) (0.717) (0.655)5.000% (0.800) (0.737) (0.675)5.125% (1.050) (0.987) (0.925)5.250% (1.300) (1.237) (1.175)5.375% (1.550) (1.487) (1.425)5.500% (1.800) (1.737) (1.675)5.625% (2.050) (1.987) (1.925)5.750% (2.300) (2.237) (2.175)5.875% (2.550) (2.487) (2.425)5.990% (2.780) (2.717) (2.655)6.000% (2.800) (2.737) (2.675)6.125% (3.050) (2.987) (2.925)6.250% (3.300) (3.237) (3.175)6.375% (3.550) (3.487) (3.425)





Caliber Portfolio Elite Access 7/1 LIBOR ARM*

NAEAL7 30 DayApr 20

45 DayMay 4

60 DayMay 19

4.875% (0.550) (0.487) (0.425)4.990% (0.780) (0.717) (0.655)5.000% (0.800) (0.737) (0.675)5.125% (1.050) (0.987) (0.925)5.250% (1.300) (1.237) (1.175)5.375% (1.550) (1.487) (1.425)5.500% (1.800) (1.737) (1.675)5.625% (2.050) (1.987) (1.925)5.750% (2.300) (2.237) (2.175)5.875% (2.550) (2.487) (2.425)5.990% (2.780) (2.717) (2.655)6.000% (2.800) (2.737) (2.675)6.125% (3.050) (2.987) (2.925)6.250% (3.300) (3.237) (3.175)6.375% (3.550) (3.487) (3.425)


Caliber Portfolio Elite Access 30 Year Fixed IO*

NAEAF30I 30 DayApr 20

45 DayMay 4

60 DayMay 19

4.990% (0.655) (0.592) (0.530)5.500% (1.675) (1.612) (1.550)5.625% (1.925) (1.862) (1.800)5.750% (2.175) (2.112) (2.050)5.875% (2.425) (2.362) (2.300)5.990% (2.655) (2.592) (2.530)6.000% (2.675) (2.612) (2.550)6.125% (2.925) (2.862) (2.800)6.250% (3.175) (3.112) (3.050)6.375% (3.425) (3.362) (3.300)6.500% (3.675) (3.612) (3.550)6.625% (3.925) (3.862) (3.800)6.750% (4.175) (4.112) (4.050)

Max Net Rebate: 0.000

Caliber Portfolio Elite Access 7/1 LIBOR ARM IO*

NAEAL7I 30 DayApr 20

45 DayMay 4

60 DayMay 19

4.990% (0.780) (0.717) (0.655)5.500% (1.800) (1.737) (1.675)5.625% (2.050) (1.987) (1.925)5.750% (2.300) (2.237) (2.175)5.875% (2.550) (2.487) (2.425)5.990% (2.780) (2.717) (2.655)6.000% (2.800) (2.737) (2.675)6.125% (3.050) (2.987) (2.925)6.250% (3.300) (3.237) (3.175)6.375% (3.550) (3.487) (3.425)6.500% (3.800) (3.737) (3.675)6.625% (4.050) (3.987) (3.925)6.750% (4.300) (4.237) (4.175)



Click here for

HomeReady and Home

Possible LLPA Caps

Caliber Portfolio Elite Access 30 Year Fixed*

NAEAF30 30 DayApr 20

45 DayMay 4

60 DayMay 19

4.875% (0.425) (0.362) (0.300)4.990% (0.655) (0.592) (0.530)5.000% (0.675) (0.612) (0.550)5.125% (0.925) (0.862) (0.800)5.250% (1.175) (1.112) (1.050)5.375% (1.425) (1.362) (1.300)5.500% (1.675) (1.612) (1.550)5.625% (1.925) (1.862) (1.800)5.750% (2.175) (2.112) (2.050)5.875% (2.425) (2.362) (2.300)5.990% (2.655) (2.592) (2.530)6.000% (2.675) (2.612) (2.550)6.125% (2.925) (2.862) (2.800)6.250% (3.175) (3.112) (3.050)6.375% (3.425) (3.362) (3.300)


LTV 0-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 > 90

Adjustment to PriceSecond Home 0.500 0.500 0.500 0.500 0.500 0.500 0.500Cash out (except Debt Consolidation ) 0.750 0.750 0.750 0.750 0.750 N/A N/A2-4 Unit Property 0.250 0.250 0.250 0.250 0.250 0.250 0.250Interest Only 0.750 0.750 0.750 0.750 0.750 0.750 N/AEscrow Waiver (for CA 0.25 up to 90% LTV) 0.250 0.250 0.250 0.250 N/A N/A N/A

FICO: Adjustment to Price740+ FICO 0.000 0.000 0.000 0.000 0.500 1.500 2.000720-739 FICO 0.000 0.000 0.000 0.000 0.500 1.500 N/A700-719 FICO 0.000 0.000 0.000 0.000 0.500 1.500 N/A

Loan Amount: Adjustments to PriceTotal Loan Amount < 1,000,000 0.000 0.000 0.000 0.000 0.000 0.000 0.000Total Loan Amount $1,000,000 to $1,999,999 (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) 0.000Total Loan Amount >= $2,000,000 (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) 0.000Purchase 0.000 0.000 0.000 0.000 0.000 0.000 0.000Condo 0.000 0.000 0.000 0.000 0.000 0.000 0.000


*Additional Loan Products

NAEAL5DC: Portfolio Non-Agency Elite Access 5/1 LIBOR ARM Debt Consolidation

NAEAL7DC: Portfolio Non-Agency Elite Access 7/1 LIBOR ARM Debt Consolidation

NAEAF30DC: Portfolio Non-Agency Elite Access Fixed 30 Year Debt Consolidation

NAEAA6F30: Portfolio Non-Agency Elite Access Texas (a)(6) Fixed 30 Year

















Caliber Portfolio Empire Elite 30 Year Fixed*

NAENEF30 30 DayApr 20

45 DayMay 4

60 DayMay 19

4.875% (0.425) (0.362) (0.300)4.990% (0.655) (0.592) (0.530)5.000% (0.675) (0.612) (0.550)5.125% (0.925) (0.862) (0.800)5.250% (1.175) (1.112) (1.050)5.375% (1.425) (1.362) (1.300)5.500% (1.675) (1.612) (1.550)5.625% (1.925) (1.862) (1.800)5.750% (2.175) (2.112) (2.050)5.875% (2.425) (2.362) (2.300)5.990% (2.655) (2.592) (2.530)6.000% (2.675) (2.612) (2.550)6.125% (2.925) (2.862) (2.800)6.250% (3.175) (3.112) (3.050)6.375% (3.425) (3.362) (3.300)


LTV 0-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 > 90

Adjustments to PriceSecond Home 0.500 0.500 0.500 0.500 0.500 0.500 0.500Cash out (except Debt Consolidation ) 0.750 0.750 0.750 0.750 0.750 N/A N/A2-4 Unit Property 0.250 0.250 0.250 0.250 0.250 0.250 0.250Escrow Waiver 0.250 0.250 0.250 0.250 N/A N/A N/A

FICO: Adjustments to Price740+ FICO 0.000 0.000 0.000 0.000 0.500 1.500 2.000720-739 FICO 0.000 0.000 0.000 0.000 0.500 1.500 N/A700-719 FICO 0.000 0.000 0.000 0.000 0.500 1.500 N/A

Loan Amount: Adjustments to PriceTotal Loan Amount < 1,000,000 0.000 0.000 0.000 0.000 0.000 0.000 0.000Total Loan Amount $1,000,000 to $1,999,999 (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) 0.000Total Loan Amount >= $2,000,000 (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) 0.000Purchase 0.000 0.000 0.000 0.000 0.000 0.000 0.000Condo 0.000 0.000 0.000 0.000 0.000 0.000 0.000





Caliber Portfolio Empire Elite



Caliber Portfolio Empire Elite 7/1 LIBOR ARM*

NAENEL7 30 DayApr 20

45 DayMay 4

60 DayMay 19

4.875% (0.550) (0.487) (0.425)4.990% (0.780) (0.717) (0.655)5.000% (0.800) (0.737) (0.675)5.125% (1.050) (0.987) (0.925)5.250% (1.300) (1.237) (1.175)5.375% (1.550) (1.487) (1.425)5.500% (1.800) (1.737) (1.675)5.625% (2.050) (1.987) (1.925)5.750% (2.300) (2.237) (2.175)5.875% (2.550) (2.487) (2.425)5.990% (2.780) (2.717) (2.655)6.000% (2.800) (2.737) (2.675)6.125% (3.050) (2.987) (2.925)6.250% (3.300) (3.237) (3.175)6.375% (3.550) (3.487) (3.425)



NAFSA6F30: Portfolio Non-Agency Fresh Start Texas (a)(6) Fixed 30 Year

NAENEF30DC: Portfolio Non-Agency Empire Elite Fixed 30 Year Debt Consolidation

NAENEL5DC: Portfolio Non-Agency Empire Elite 5/1 LIBOR ARM Debt Consolidation

Caliber Portfolio Empire Elite 5/1 LIBOR ARM*


45 DayMay 4

60 DayMay 19

4.875% (0.550) (0.487) (0.425)4.990% (0.780) (0.717) (0.655)5.000% (0.800) (0.737) (0.675)5.125% (1.050) (0.987) (0.925)5.250% (1.300) (1.237) (1.175)5.375% (1.550) (1.487) (1.425)5.500% (1.800) (1.737) (1.675)5.625% (2.050) (1.987) (1.925)5.750% (2.300) (2.237) (2.175)5.875% (2.550) (2.487) (2.425)5.990% (2.780) (2.717) (2.655)6.000% (2.800) (2.737) (2.675)6.125% (3.050) (2.987) (2.925)6.250% (3.300) (3.237) (3.175)6.375% (3.550) (3.487) (3.425)


NAENEL7DC: Portfolio Non-Agency Empire Elite 7/1 LIBOR ARM Debt Consolidation









Caliber Portfolio Premier Access 5/1 LIBOR ARM*

NAJAL5 30 DayApr 20

45 DayMay 4

60 DayMay 19

5.250% (0.720) (0.657) (0.595)5.375% (0.970) (0.907) (0.845)5.500% (1.220) (1.157) (1.095)5.625% (1.470) (1.407) (1.345)5.750% (1.720) (1.657) (1.595)5.875% (1.970) (1.907) (1.845)6.000% (2.220) (2.157) (2.095)6.125% (2.470) (2.407) (2.345)6.250% (2.720) (2.657) (2.595)6.375% (2.970) (2.907) (2.845)6.500% (3.220) (3.157) (3.095)6.625% (3.470) (3.407) (3.345)


Caliber Portfolio Premier Access 30 Year Fixed*

NAJAF30 30 DayApr 20

45 DayMay 4

60 DayMay 19

5.500% (1.145) (1.082) (1.020)5.625% (1.395) (1.332) (1.270)5.750% (1.645) (1.582) (1.520)5.875% (1.895) (1.832) (1.770)6.000% (2.145) (2.082) (2.020)6.125% (2.395) (2.332) (2.270)6.250% (2.645) (2.582) (2.520)6.375% (2.895) (2.832) (2.770)6.500% (3.145) (3.082) (3.020)6.625% (3.395) (3.332) (3.270)6.750% (3.645) (3.582) (3.520)6.875% (3.895) (3.832) (3.770)7.000% (4.145) (4.082) (4.020)






Caliber Portfolio Premier Access



Caliber Portfolio Premier Access 5/1 LIBOR ARM IO*

NAJAL5I 30 DayApr 20

45 DayMay 4

60 DayMay 19

5.500% (1.220) (1.157) (1.095)5.625% (1.470) (1.407) (1.345)5.750% (1.720) (1.657) (1.595)5.875% (1.970) (1.907) (1.845)6.000% (2.220) (2.157) (2.095)6.125% (2.470) (2.407) (2.345)6.250% (2.720) (2.657) (2.595)6.375% (2.970) (2.907) (2.845)6.500% (3.220) (3.157) (3.095)6.625% (3.470) (3.407) (3.345)6.750% (3.720) (3.657) (3.595)6.875% (3.970) (3.907) (3.845)7.000% (4.220) (4.157) (4.095)



NAJAA6F30: Portfolio Non-Agency Premier Access Texas (a)(6) Fixed 30 Year

NAJAF30DC: Portfolio Non-Agency Premier Access Fixed 30 Year Debt Consolidation

NAJAL5DC: Portfolio Non-Agency Premier Access 5/1 LIBOR ARM Debt Consolidation

Caliber Portfolio Premier Access 7/1 LIBOR ARM*

NAJAL7 30 DayApr 20

45 DayMay 4

60 DayMay 19

5.375% (0.970) (0.907) (0.845)5.500% (1.220) (1.157) (1.095)5.625% (1.470) (1.407) (1.345)5.750% (1.720) (1.657) (1.595)5.875% (1.970) (1.907) (1.845)6.000% (2.220) (2.157) (2.095)6.125% (2.470) (2.407) (2.345)6.250% (2.720) (2.657) (2.595)6.375% (2.970) (2.907) (2.845)6.500% (3.220) (3.157) (3.095)6.625% (3.470) (3.407) (3.345)6.750% (3.720) (3.657) (3.595)


NAJAL7DC: Portfolio Non-Agency Premier Access 7/1 LIBOR ARM Debt Consolidation

LTV 0-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 > 90LTV: Adjustment to PriceSecond Home 0.500 0.500 0.500 0.500 0.500 0.500 0.500Cash Out (Except Debt Consolidation) 0.750 0.750 0.750 0.750 0.750 N/A N/A2-4 units 0.250 0.250 0.250 0.250 0.250 0.250 0.250Interest Only - ARM 0.750 0.750 0.750 0.750 N/A N/A N/AFICO: Adjustment to Price740+ FICO 0.000 0.000 0.000 0.000 0.500 1.500 2.500720-739 FICO 0.000 0.000 0.000 0.000 0.500 1.500 N/A700-719 FICO 0.000 0.000 0.000 0.000 0.500 1.500 N/A680-699 FICO 0.000 0.000 0.000 0.000 0.500 1.500 N/A660-679 FICO 1.000 1.000 1.000 1.500 2.000 3.000 N/A650-659 FICO 1.750 1.750 1.750 2.250 2.750 N/A N/ALoan Amount: Adjustments to PriceTotal Loan Amount < $199,999 0.500 0.500 0.500 0.500 0.500 0.500 0.500Total Loan Amount $200,000 to $299,999 0.250 0.250 0.250 0.250 0.250 0.250 0.250Total Loan Amount $300,000 to $599,999 0.000 0.000 0.000 0.000 0.000 0.000 0.000Total Loan Amount $600,000 to $799,999 0.000 0.000 0.000 0.000 0.000 0.000 0.000Total Loan Amount $800,000 to $999,999 0.000 0.000 0.000 0.000 0.000 0.000 0.000Total Loan Amount $1,000,000 to $1,499,999 (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) 0.000Total Loan Amount $1,500,000 to $1,999,999 (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) 0.000Total Loan Amount >= $2,000,000 (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) 0.000Refinance 0.000 0.000 0.000 0.000 0.000 0.000 0.000Condo 0.000 0.000 0.000 0.000 0.000 0.000 0.000>80% LTV and <700 FICO (High LTV) N/A N/A N/A N/A 0.000 0.000 0.000











Caliber Portfolio Empire Premier 30 Year Fixed*

NAENEF302 30 DayApr 20

45 DayMay 4

60 DayMay 19

5.500% (1.145) (1.082) (1.020)5.625% (1.395) (1.332) (1.270)5.750% (1.645) (1.582) (1.520)5.875% (1.895) (1.832) (1.770)6.000% (2.145) (2.082) (2.020)6.125% (2.395) (2.332) (2.270)6.250% (2.645) (2.582) (2.520)6.375% (2.895) (2.832) (2.770)6.500% (3.145) (3.082) (3.020)6.625% (3.395) (3.332) (3.270)6.750% (3.645) (3.582) (3.520)6.875% (3.895) (3.832) (3.770)7.000% (4.145) (4.082) (4.020)


LTV 0-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 > 90LTV: Adjustments to PriceSecond Home 0.500 0.500 0.500 0.500 0.500 0.500 0.500Cash Out (Except Debt Consolidation) 0.750 0.750 0.750 0.750 0.750 N/A N/A2-4 units 0.250 0.250 0.250 0.250 0.250 0.250 0.250FICO: Adjustments to Price740+ FICO 0.000 0.000 0.000 0.000 0.500 1.500 2.500720-739 FICO 0.000 0.000 0.000 0.000 0.500 1.500 N/A700-719 FICO 0.000 0.000 0.000 0.000 0.500 1.500 N/A680-699 FICO 0.000 0.000 0.000 0.000 0.500 1.500 N/ALoan Amount: Adjustments to PriceTotal Loan Amount <= $199,999 0.500 0.500 0.500 0.500 0.500 0.500 0.500Total Loan Amount $200,000 to $299,999 0.250 0.250 0.250 0.250 0.250 0.250 0.250Total Loan Amount $300,000 to $599,999 0.000 0.000 0.000 0.000 0.000 0.000 0.000Total Loan Amount $600,000 to $799,999 0.000 0.000 0.000 0.000 0.000 0.000 0.000Total Loan Amount $800,000 to $999,999 0.000 0.000 0.000 0.000 0.000 0.000 0.000Total Loan Amount $1,000,000 to $1,499,999 (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) 0.000Total Loan Amount $1,500,000 to $1,999,999 (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) 0.000Total Loan Amount >= $2,000,000 (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) 0.000Refinance 0.000 0.000 0.000 0.000 0.000 0.000 0.000Condo 0.000 0.000 0.000 0.000 0.000 0.000 0.000>80% LTV and <700 FICO (High LTV) N/A N/A N/A N/A 0.000 0.000 0.000





Caliber Portfolio Empire Premier



Caliber Portfolio Empire Premier 7/1 LIBOR ARM*


45 DayMay 4

60 DayMay 19

5.375% (0.970) (0.907) (0.845)5.500% (1.220) (1.157) (1.095)5.625% (1.470) (1.407) (1.345)5.750% (1.720) (1.657) (1.595)5.875% (1.970) (1.907) (1.845)6.000% (2.220) (2.157) (2.095)6.125% (2.470) (2.407) (2.345)6.250% (2.720) (2.657) (2.595)6.375% (2.970) (2.907) (2.845)6.500% (3.220) (3.157) (3.095)6.625% (3.470) (3.407) (3.345)6.750% (3.720) (3.657) (3.595)




NAENELF30DC2: Portfolio Non-Agency Empire Premier Fixed 30 Year Debt Consolidation

NAENEL5DC2: Portfolio Non-Agency Empire Premier 5/1 LIBOR ARM Debt Consolidation

Caliber Portfolio Empire Premier 5/1 LIBOR ARM*


45 DayMay 4

60 DayMay 19

5.250% (0.720) (0.657) (0.595)5.375% (0.970) (0.907) (0.845)5.500% (1.220) (1.157) (1.095)5.625% (1.470) (1.407) (1.345)5.750% (1.720) (1.657) (1.595)5.875% (1.970) (1.907) (1.845)6.000% (2.220) (2.157) (2.095)6.125% (2.470) (2.407) (2.345)6.250% (2.720) (2.657) (2.595)6.375% (2.970) (2.907) (2.845)6.500% (3.220) (3.157) (3.095)6.625% (3.470) (3.407) (3.345)


NAENEL7DC2: Portfolio Non-Agency Empire Premier 7/1 LIBOR ARM Debt Consolidation









Caliber Portfolio Homeowner Access 5/1 LIBOR ARM*

NAHOL5 30 DayApr 20

45 DayMay 4

60 DayMay 19

5.625% (0.205) (0.142) (0.080)5.750% (0.455) (0.392) (0.330)5.875% (0.705) (0.642) (0.580)6.000% (0.955) (0.892) (0.830)6.125% (1.205) (1.142) (1.080)6.250% (1.455) (1.392) (1.330)6.375% (1.705) (1.642) (1.580)6.500% (1.955) (1.892) (1.830)6.625% (2.205) (2.142) (2.080)6.750% (2.455) (2.392) (2.330)6.875% (2.705) (2.642) (2.580)7.000% (2.955) (2.892) (2.830)7.125% (3.205) (3.142) (3.080)7.250% (3.455) (3.392) (3.330)7.375% (3.705) (3.642) (3.580)7.500% (3.955) (3.892) (3.830)7.625% (4.205) (4.142) (4.080)7.750% (4.455) (4.392) (4.330)7.875% (4.705) (4.642) (4.580)8.000% (4.955) (4.892) (4.830)8.125% (5.205) (5.142) (5.080)


LTV 0-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 > 90LTV: Adjustments to PriceSecond Home 0.500 0.500 0.500 0.500 0.500 0.500 N/ACash Out (Except Debt Consolidation) 0.750 0.750 0.750 0.750 N/A N/A N/A2-4 units 0.250 0.250 0.250 0.250 0.250 0.250 N/AFICO: Adjustments to Price740+ FICO 0.000 0.000 0.000 0.500 1.000 2.000 N/A720-739 FICO 0.000 0.000 0.000 0.500 1.000 2.000 N/A700-719 FICO 0.000 0.000 0.000 0.500 1.000 2.000 N/A680-699 FICO 0.500 0.500 0.500 0.500 1.000 2.000 N/A660-679 FICO 1.000 1.000 1.000 1.250 2.000 3.000 N/A640-659 FICO 1.500 1.500 1.500 2.000 3.000 N/A N/A620-639 FICO 2.000 2.000 2.000 2.750 4.000 N/A N/A610-619 FICO 2.500 2.500 2.500 3.500 N/A N/A N/ALoan Amount: Adjustments to PriceTotal Loan Amount <= $149,999 0.500 0.500 0.500 0.500 0.500 0.500 N/ATotal Loan Amount $150,000 to $199,999 0.500 0.500 0.500 0.500 0.500 0.500 N/ATotal Loan Amount $200,000 to $349,999 0.250 0.250 0.250 0.250 0.250 0.250 N/ATotal Loan Amount $350,000 to $449,999 0.000 0.000 0.000 0.000 0.000 0.000 N/ATotal Loan Amount $450,000 to $599,999 0.000 0.000 0.000 0.000 0.000 0.000 N/ATotal Loan Amount $600,000 to $849,999 0.000 0.000 0.000 0.000 0.000 0.000 N/ATotal Loan Amount $850,000 to $999,999 0.000 0.000 0.000 0.000 0.000 0.000 N/ATotal Loan Amount >= $1,000,000 (0.125) (0.125) (0.125) (0.125) (0.125) (0.125) N/ARefinance 0.000 0.000 0.000 0.000 0.000 0.000 N/ACondo 0.000 0.000 0.000 0.000 0.000 0.000 N/A

Caliber Portfolio Homeowner Access 30 Year Fixed*

NAHOF30 30 DayApr 20

45 DayMay 4

60 DayMay 19

6.000% (0.805) (0.742) (0.680)6.125% (1.055) (0.992) (0.930)6.250% (1.305) (1.242) (1.180)6.375% (1.555) (1.492) (1.430)6.500% (1.805) (1.742) (1.680)6.625% (2.055) (1.992) (1.930)6.750% (2.305) (2.242) (2.180)6.875% (2.555) (2.492) (2.430)7.000% (2.805) (2.742) (2.680)7.125% (3.055) (2.992) (2.930)7.250% (3.305) (3.242) (3.180)7.375% (3.555) (3.492) (3.430)7.500% (3.805) (3.742) (3.680)7.625% (4.055) (3.992) (3.930)7.750% (4.305) (4.242) (4.180)7.875% (4.555) (4.492) (4.430)8.000% (4.805) (4.742) (4.680)8.125% (5.055) (4.992) (4.930)8.250% (5.105) (5.105) (5.105)






Caliber Portfolio Homeowner Access




NAHOA6F30: Portfolio Non-Agency Homeowner Access Texas (a)(6) Fixed 30 Year

NAHOF30DC: Portfolio Non-Agency Homeowner Access Fixed 30 Year Debt Consolidation

NAHOL5DC: Portfolio Non-Agency Homeowner Access 5/1 LIBOR ARM Debt Consolidation

Caliber Portfolio Homeowner Access 7/1 LIBOR ARM*

NAHOL7 30 DayApr 20

45 DayMay 4

60 DayMay 19

5.750% (0.455) (0.392) (0.330)5.875% (0.705) (0.642) (0.580)6.000% (0.955) (0.892) (0.830)6.125% (1.205) (1.142) (1.080)6.250% (1.455) (1.392) (1.330)6.375% (1.705) (1.642) (1.580)6.500% (1.955) (1.892) (1.830)6.625% (2.205) (2.142) (2.080)6.750% (2.455) (2.392) (2.330)6.875% (2.705) (2.642) (2.580)7.000% (2.955) (2.892) (2.830)7.125% (3.205) (3.142) (3.080)7.250% (3.455) (3.392) (3.330)7.375% (3.705) (3.642) (3.580)7.500% (3.955) (3.892) (3.830)7.625% (4.205) (4.142) (4.080)7.750% (4.455) (4.392) (4.330)7.875% (4.705) (4.642) (4.580)8.000% (4.955) (4.892) (4.830)8.125% (5.205) (5.142) (5.080)8.250% (5.255) (5.255) (5.255)


NAHOL7DC: Portfolio Non-Agency Homeowner Access 7/1 LIBOR ARM Debt Consolidation







Caliber Portfolio Fresh Start 5/1 LIBOR ARM*

NAFSL5 30 DayApr 20

45 DayMay 4

60 DayMay 19

7.000% 0.045 0.108 0.1707.125% (0.205) (0.142) (0.080)7.250% (0.455) (0.392) (0.330)7.375% (0.705) (0.642) (0.580)7.500% (0.955) (0.892) (0.830)7.625% (1.205) (1.142) (1.080)7.750% (1.455) (1.392) (1.330)7.875% (1.705) (1.642) (1.580)8.000% (1.955) (1.892) (1.830)8.125% (2.205) (2.142) (2.080)8.250% (2.455) (2.392) (2.330)8.375% (2.705) (2.642) (2.580)8.500% (2.955) (2.892) (2.830)8.625% (3.205) (3.142) (3.080)8.750% (3.455) (3.392) (3.330)8.875% (3.705) (3.642) (3.580)9.000% (3.955) (3.892) (3.830)9.125% (4.205) (4.142) (4.080)9.250% (4.455) (4.392) (4.330)9.375% (4.505) (4.505) (4.505)9.500% (4.505) (4.505) (4.505)


LTV 0-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 > 90LTV: Adjustments to PriceSecond Home 0.500 0.500 0.500 0.500 0.500 N/A N/ACash Out (Except Debt Consolidation) 0.750 0.750 0.750 0.750 N/A N/A N/A2-4 units 0.250 0.250 0.250 0.250 0.250 N/A N/AFICO: Adjustments to Price740+ FICO 0.000 0.250 0.500 1.000 1.500 N/A N/A720-739 FICO 0.000 0.250 0.500 1.000 1.500 N/A N/A700-719 FICO 0.000 0.250 0.500 1.000 1.500 N/A N/A680-699 FICO 1.000 1.000 1.000 1.000 1.500 N/A N/A660-679 FICO 1.500 1.500 1.500 1.750 2.500 N/A N/A640-659 FICO 2.000 2.000 2.000 2.500 3.000 N/A N/A620-639 FICO 2.500 2.500 2.500 2.750 3.500 N/A N/A600-619 FICO 3.000 3.000 3.000 3.250 3.750 N/A N/A580-599 FICO 3.500 3.500 3.500 3.750 4.000 N/A N/ALoan Amount: Adjustments to PriceTotal Loan Amount <= $199,999 0.500 0.500 0.500 0.500 0.500 N/A N/ATotal Loan Amount $200,000 to $349,999 0.250 0.250 0.250 0.250 0.250 N/A N/ATotal Loan Amount $350,000 to $449,999 0.000 0.000 0.000 0.000 0.000 N/A N/ATotal Loan Amount $450,000 to $599,999 0.000 0.000 0.000 0.000 0.000 N/A N/ATotal Loan Amount $600,000 to $849,999 0.000 0.000 0.000 0.000 0.000 N/A N/ATotal Loan Amount >= $850,000 (0.125) (0.125) (0.125) (0.125) (0.125) N/A N/ARefinance 0.000 0.000 0.000 0.000 0.000 N/A N/ACondo 0.000 0.000 0.000 0.000 0.000 N/A N/A





Caliber Portfolio Fresh Start



Caliber Portfolio Fresh Start Fixed 30*

NAFSF30 30 DayApr 20

45 DayMay 4

60 DayMay 19

7.000% 0.170 0.233 0.2957.125% (0.080) (0.017) 0.0457.250% (0.330) (0.267) (0.205)7.375% (0.580) (0.517) (0.455)7.500% (0.830) (0.767) (0.705)7.625% (1.080) (1.017) (0.955)7.750% (1.330) (1.267) (1.205)7.875% (1.580) (1.517) (1.455)8.000% (1.830) (1.767) (1.705)8.125% (2.080) (2.017) (1.955)8.250% (2.330) (2.267) (2.205)8.375% (2.580) (2.517) (2.455)8.500% (2.830) (2.767) (2.705)8.625% (3.080) (3.017) (2.955)8.750% (3.330) (3.267) (3.205)8.875% (3.580) (3.517) (3.455)9.000% (3.830) (3.767) (3.705)9.125% (4.080) (4.017) (3.955)9.250% (4.330) (4.267) (4.205)9.375% (4.380) (4.380) (4.380)9.500% (4.380) (4.380) (4.380)9.625% (4.380) (4.380) (4.380)




NAFSF30DC: Portfolio Non-Agency Fresh Start Fixed 30 Year Debt Consolidation

NAFSL5DC: Portfolio Non-Agency Fresh Start 5/1 LIBOR ARM Debt Consolidation

Caliber Portfolio Fresh Start 7/1 LIBOR ARM*

NAFSL7 30 DayApr 20

45 DayMay 4

60 DayMay 19

7.000% 0.045 0.108 0.1707.125% (0.205) (0.142) (0.080)7.250% (0.455) (0.392) (0.330)7.375% (0.705) (0.642) (0.580)7.500% (0.955) (0.892) (0.830)7.625% (1.205) (1.142) (1.080)7.750% (1.455) (1.392) (1.330)7.875% (1.705) (1.642) (1.580)8.000% (1.955) (1.892) (1.830)8.125% (2.205) (2.142) (2.080)8.250% (2.455) (2.392) (2.330)8.375% (2.705) (2.642) (2.580)8.500% (2.955) (2.892) (2.830)8.625% (3.205) (3.142) (3.080)8.750% (3.455) (3.392) (3.330)8.875% (3.705) (3.642) (3.580)9.000% (3.955) (3.892) (3.830)9.125% (4.205) (4.142) (4.080)9.250% (4.455) (4.392) (4.330)9.375% (4.505) (4.505) (4.505)9.500% (4.505) (4.505) (4.505)9.625% (4.505) (4.505) (4.505)


NAFSL7DC: Portfolio Non-Agency Fresh Start 7/1 LIBOR ARM Debt Consolidation







Caliber Portfolio Investment Property 5/1 LIBOR ARM

NAINVL5 30 DayApr 20

45 DayMay 4

60 DayMay 19

5.500% 0.195 0.258 0.3205.625% (0.180) (0.117) (0.055)5.750% (0.555) (0.492) (0.430)5.875% (0.805) (0.742) (0.680)6.000% (1.055) (0.992) (0.930)6.125% (1.305) (1.242) (1.180)6.250% (1.555) (1.492) (1.430)6.375% (1.805) (1.742) (1.680)6.500% (2.055) (1.992) (1.930)6.625% (2.305) (2.242) (2.180)6.750% (2.555) (2.492) (2.430)6.875% (2.805) (2.742) (2.680)7.000% (3.055) (2.992) (2.930)7.125% (3.305) (3.242) (3.180)7.250% (3.555) (3.492) (3.430)7.375% (3.805) (3.742) (3.680)7.500% (4.055) (3.992) (3.930)7.625% (4.305) (4.242) (4.180)7.750% (4.555) (4.492) (4.430)7.875% (4.805) (4.742) (4.680)8.000% (5.055) (4.992) (4.930)


LTV 0-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 > 90LTV: Adjustments to PriceCash Out (Except Debt Consolidation) 0.750 0.750 0.750 0.750 N/A N/A N/A2-4 units 0.250 0.250 0.250 0.250 0.250 N/A N/ATotal Loan Amount $1,000,000-$1,500,000 0.250 0.250 0.250 0.250 0.250 N/A N/ATotal Loan Amount >$1,500,000 0.500 0.500 0.500 N/A N/A N/A N/AFICO: Adjustments to Price740+ FICO 0.000 0.250 0.500 0.750 1.750 N/A N/A720-739 FICO 0.000 0.250 0.500 0.750 1.750 N/A N/A700-719 FICO 0.250 0.500 0.750 1.000 2.000 N/A N/A680-699 FICO 0.750 1.000 1.250 1.500 2.500 N/A N/A660-679 FICO 1.000 1.250 1.500 1.750 2.750 N/A N/A640-659 FICO 1.250 1.500 1.750 2.000 N/A N/A N/A620-639 FICO 2.250 2.500 2.750 3.000 N/A N/A N/ALoan Amount: Adjustments to PriceTotal Loan Amount < $149,999 0.500 0.500 0.500 0.500 0.500 N/A N/ATotal Loan Amount $150,000 to $199,999 0.500 0.500 0.500 0.500 0.500 N/A N/ATotal Loan Amount $200,000 to $349,999 0.250 0.250 0.250 0.250 0.250 N/A N/ATotal Loan Amount $350,000 to $449,999 0.000 0.000 0.000 0.000 0.000 N/A N/ATotal Loan Amount $450,000 to $599,999 0.000 0.000 0.000 0.000 0.000 N/A N/ATotal Loan Amount $600,000 to $849,999 0.000 0.000 0.000 0.000 0.000 N/A N/ATotal Loan Amount $850,000 to $999,999 0.000 0.000 0.000 0.000 0.000 N/A N/ATotal Loan Amount >= $1,000,000 (0.125) (0.125) (0.125) (0.125) (0.125) N/A N/ACondo 0.000 0.000 0.000 0.000 0.000 N/A N/ARefinance 0.000 0.000 0.000 0.000 0.000 N/A N/A





Caliber Portfolio Investment Property



Caliber Portfolio Investment Property 30 Year Fixed

NAINVF30 30 DayApr 20

45 DayMay 4

60 DayMay 19

6.750% (2.430) (2.367) (2.305)6.875% (2.680) (2.617) (2.555)7.000% (2.930) (2.867) (2.805)7.125% (3.180) (3.117) (3.055)7.250% (3.430) (3.367) (3.305)7.375% (3.680) (3.617) (3.555)7.500% (3.930) (3.867) (3.805)7.625% (4.180) (4.117) (4.055)7.750% (4.430) (4.367) (4.305)7.875% (4.680) (4.617) (4.555)8.000% (4.930) (4.867) (4.805)8.125% (5.180) (5.117) (5.055)8.250% (5.430) (5.367) (5.305)8.375% (5.680) (5.617) (5.555)


Caliber Portfolio Investment Property 7/1 LIBOR ARM

NAINVL7 30 DayApr 20

45 DayMay 4

60 DayMay 19

6.500% (2.055) (1.992) (1.930)6.625% (2.305) (2.242) (2.180)6.750% (2.555) (2.492) (2.430)6.875% (2.805) (2.742) (2.680)7.000% (3.055) (2.992) (2.930)7.125% (3.305) (3.242) (3.180)7.250% (3.555) (3.492) (3.430)7.375% (3.805) (3.742) (3.680)7.500% (4.055) (3.992) (3.930)7.625% (4.305) (4.242) (4.180)7.750% (4.555) (4.492) (4.430)7.875% (4.805) (4.742) (4.680)8.000% (5.055) (4.992) (4.930)8.125% (5.305) (5.242) (5.180)

Max Net Rebate: 0.000 Margin: 4.000 Caps: 2.000/2.000/6.000








Caliber Portfolio Professional Elite 30 Year Fixed*

NAEPF30 30 DayApr 20

45 DayMay 4

60 DayMay 19

6.000% (2.080) (2.017) (1.955)6.125% (2.330) (2.267) (2.205)6.250% (2.580) (2.517) (2.455)6.375% (2.830) (2.767) (2.705)6.500% (3.080) (3.017) (2.955)6.625% (3.330) (3.267) (3.205)6.750% (3.580) (3.517) (3.455)6.875% (3.830) (3.767) (3.705)7.000% (4.080) (4.017) (3.955)7.125% (4.330) (4.267) (4.205)7.250% (4.580) (4.517) (4.455)7.375% (4.830) (4.767) (4.705)7.500% (5.080) (5.017) (4.955)7.625% (5.330) (5.267) (5.205)7.750% (5.580) (5.517) (5.455)7.875% (5.830) (5.767) (5.705)8.000% (6.080) (6.017) (5.955)8.125% (6.330) (6.267) (6.205)


LTV 0-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 > 90

Adjustments to PriceSecond Home 0.500 0.500 0.500 0.500 N/A N/A N/A2 Unit Property 0.250 0.250 0.250 0.250 0.250 N/A N/ACash out N/A N/A N/A N/A N/A N/A N/A

FICO: Adjustment to Price740+ FICO 0.000 0.500 0.750 1.500 1.750 N/A N/A720-739 FICO 0.500 0.750 1.000 1.750 N/A N/A N/A700-719 FICO 0.750 1.000 N/A N/A N/A N/A N/A

Loan Amount: Adjustments to PriceTotal Loan Amount < $199,999 0.500 0.500 0.500 0.500 0.500 N/A N/ATotal Loan Amount $200,000 to $299,999 0.250 0.250 0.250 0.250 0.250 N/A N/ATotal Loan Amount $1,000,000 to $1,999,999 (0.125) (0.125) (0.125) (0.125) (0.125) N/A N/ATotal Loan Amount >= $2,000,000 (0.250) (0.250) (0.250) (0.250) (0.250) N/A N/A





Caliber Portfolio Professional Elite




NAEPF30DC: Portfolio Non-Agency Professional Elite Fixed 30 Year Debt Consolidation

NAEPL5DC: Portfolio Non-Agency Professional Elite 5/1 LIBOR ARM Debt Consolidation

Caliber Portfolio Professional Elite 5/1 LIBOR ARM*

NAEPL5 30 DayApr 20

45 DayMay 4

60 DayMay 19

5.875% (1.705) (1.642) (1.580)6.000% (1.955) (1.892) (1.830)6.125% (2.205) (2.142) (2.080)6.250% (2.455) (2.392) (2.330)6.375% (2.705) (2.642) (2.580)6.500% (2.955) (2.892) (2.830)6.625% (3.205) (3.142) (3.080)6.750% (3.455) (3.392) (3.330)6.875% (3.705) (3.642) (3.580)7.000% (3.955) (3.892) (3.830)7.125% (4.205) (4.142) (4.080)7.250% (4.455) (4.392) (4.330)7.375% (4.705) (4.642) (4.580)7.500% (4.955) (4.892) (4.830)7.625% (5.205) (5.142) (5.080)7.750% (5.455) (5.392) (5.330)7.875% (5.705) (5.642) (5.580)8.000% (5.955) (5.892) (5.830)








Caliber Portfolio Investor Access 30 Year Fixed*

NAJIAF30 30 DayApr 20

45 DayMay 4

60 DayMay 19

6.375% (1.330) (1.267) (1.205)6.500% (1.580) (1.517) (1.455)6.625% (1.830) (1.767) (1.705)6.750% (2.080) (2.017) (1.955)6.875% (2.330) (2.267) (2.205)7.000% (2.580) (2.517) (2.455)7.125% (2.830) (2.767) (2.705)7.250% (3.080) (3.017) (2.955)7.375% (3.330) (3.267) (3.205)7.500% (3.580) (3.517) (3.455)7.625% (3.830) (3.767) (3.705)7.750% (4.080) (4.017) (3.955)7.875% (4.330) (4.267) (4.205)8.000% (4.580) (4.517) (4.455)8.125% (4.830) (4.767) (4.705)8.250% (5.080) (5.017) (4.955)


LTV 0-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 > 90

FICO: Adjustment to Price740+ FICO 0.000 0.500 1.000 1.750 N/A N/A N/A720-739 FICO 0.000 0.750 1.000 1.750 N/A N/A N/A

Loan Amount: Adjustments to PriceTotal Loan Amount <$199,999 0.500 0.500 0.500 0.500 N/A N/A N/ATotal Loan Amount $200,000 to $299,999 0.250 0.250 0.250 0.250 N/A N/A N/A





Caliber Portfolio Investor Access



Caliber Portfolio Investor Access 5/1 LIBOR ARM*

NAJIAL5 30 DayApr 20

45 DayMay 4

60 DayMay 19

6.000% (0.955) (0.892) (0.830)6.125% (1.205) (1.142) (1.080)6.250% (1.455) (1.392) (1.330)6.375% (1.705) (1.642) (1.580)6.500% (1.955) (1.892) (1.830)6.625% (2.205) (2.142) (2.080)6.750% (2.455) (2.392) (2.330)6.875% (2.705) (2.642) (2.580)7.000% (2.955) (2.892) (2.830)7.125% (3.205) (3.142) (3.080)7.250% (3.455) (3.392) (3.330)7.375% (3.705) (3.642) (3.580)7.500% (3.955) (3.892) (3.830)7.625% (4.205) (4.142) (4.080)7.750% (4.455) (4.392) (4.330)7.875% (4.705) (4.642) (4.580)


Caliber Portfolio Investor Access Expanded States 30 Year Fixed

NAJIANPF30 30 DayApr 20

45 DayMay 4

60 DayMay 19

7.375% (1.330) (1.267) (1.205)7.500% (1.580) (1.517) (1.455)7.625% (1.830) (1.767) (1.705)7.750% (2.080) (2.017) (1.955)7.875% (2.330) (2.267) (2.205)8.000% (2.580) (2.517) (2.455)8.125% (2.830) (2.767) (2.705)8.250% (3.080) (3.017) (2.955)8.375% (3.330) (3.267) (3.205)8.500% (3.580) (3.517) (3.455)8.625% (3.830) (3.767) (3.705)8.750% (4.080) (4.017) (3.955)8.875% (4.330) (4.267) (4.205)9.000% (4.580) (4.517) (4.455)9.125% (4.830) (4.767) (4.705)9.250% (5.080) (5.017) (4.955)


Caliber Portfolio Investor Access Expanded States 5/1 LIBOR ARM

NAJIANPL5 30 DayApr 20

45 DayMay 4

60 DayMay 19

7.375% (1.705) (1.642) (1.580)7.500% (1.955) (1.892) (1.830)7.625% (2.205) (2.142) (2.080)7.750% (2.455) (2.392) (2.330)7.875% (2.705) (2.642) (2.580)8.000% (2.955) (2.892) (2.830)8.125% (3.205) (3.142) (3.080)8.250% (3.455) (3.392) (3.330)8.375% (3.705) (3.642) (3.580)8.500% (3.955) (3.892) (3.830)8.625% (4.205) (4.142) (4.080)8.750% (4.455) (4.392) (4.330)8.875% (4.705) (4.642) (4.580)9.000% (4.955) (4.892) (4.830)9.125% (5.205) (5.142) (5.080)9.250% (5.455) (5.392) (5.330)




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