market movement - bluepoint mortgage€¦ · conventional max prices conventional / government turn...
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BluePoint Mortgage
3070 Bristol Street # 400
Costa Mesa, CA 92626
www.bluepointmortgage.com
NMLS # 320004
HUD Lender ID# 25799-00006
VA Lender ID # 902947-0000
Email: [email protected]
Lock Hours:
Choice and Leverage Programs
Yesterday Today
30 YRS 3.50% (2.523) (2.623) (0.100)
30 YRS 4.00% (2.978) (3.048) (0.070)
California Lender Fee
Non California Lender Fee
Streamlines & IRRRLS
(5.000)
(4.500)
ONE YEAR LIBOR INDEX 0.792
ONE YEAR CMT INDEX 0.620
Jumbo MAX prices See page 8
MAX NET PRICE PRIOR TO BROKER COMP
Market Index
Rates, pricing, price adjustments and rate adjustments are subject to change without notice. If a discrepancy occurs, the person submitting the lock request will be contacted for approval of the new
adjusted price or rate before proceeding with the lock in. For internal use by Bluepoint Mortgage only.
Not for distribution to the general public.
Resources Max Net Prices
Government MAX prices
Conventional MAX prices
Conventional / Government Turn Times
SET-UP 120 Hours
UNDERWRITING 24-48 Hours
FUNDING 24 Hours
15-day extension 0.300
$495
Extensions are subject to a maximum of 30 days. Thereafter, Locks will be subject to
worst case pricing.
Non-QM - All States $1,295
7-Day extension 0.15010-day extension 0.250 $795
Conventional
Extensions & Relocks Lender Fees
3-Day extension 0.075 $1,195
Jumbo and all *ARM Programs 8:30 AM - 3:00 PM
8:30 AM - 3:00 PM
Market Movement
Change
Government
ANNOUNCEMENTS
Lock Desk Info & Hours Approved States
Phone: (949) 771 - 0000
Pacific Time
Conv* /FHA* /VA* (excluding ARM) 7:30 AM - 4:30 PM
Effective Date: 3/11/20 9:59 AM
Wholesale Rate Sheet
(949) 771-0000
Page 1
Product Guidelines Get Approved
RATE 15 DAY 30 DAY RATE 15 DAY 30 DAY RATE 15 DAY 30 DAY RATE 15 DAY 30 DAY
4.750 (4.060) (3.935) 4.000 (4.064) (3.939) 5.250 (2.448) (2.323) 4.000 (0.905) (0.780)
4.625 (3.774) (3.649) 3.875 (3.646) (3.521) 5.125 (2.977) (2.852) 3.875 (0.532) (0.407)
4.500 (3.473) (3.348) 3.750 (3.214) (3.089) 5.000 (2.596) (2.471) 3.750 (0.137) (0.012)
4.375 (3.263) (3.138) 3.625 (3.169) (3.044) 4.875 (2.249) (2.124) 3.625 (0.351) (0.226)
4.250 (3.437) (3.312) 3.500 (2.741) (2.616) 4.750 (1.886) (1.761) 3.500 0.042 0.167
4.125 (2.720) (2.595) 3.375 (2.300) (2.175) 4.625 (2.499) (2.374) 3.375 0.464 0.589
4.000 (2.757) (2.632) 3.250 (1.845) (1.720) 4.500 (2.019) (1.894) 3.250 0.916 1.041
3.875 (2.477) (2.352) 3.125 (2.241) (2.116) 4.375 (1.658) (1.533) 3.125 0.504 0.629
3.750 (2.511) (2.386) 3.000 (1.782) (1.657) 4.250 (1.038) (0.913) 3.000 0.970 1.095
3.625 (2.960) (2.835) 2.875 (1.309) (1.184) 4.125 (0.861) (0.736) 2.875 1.453 1.578
3.500 (2.748) (2.623) 2.750 (0.825) (0.700) 4.000 (0.598) (0.473) 2.750 1.947 2.072
3.375 (2.121) (1.996) 2.625 (0.830) (0.705) 3.875 (0.772) (0.647) 2.625 1.955 2.080
3.250 (2.453) (2.328) 2.500 (0.332) (0.207) 3.750 (0.170) (0.045)
3.125 (2.151) (2.026) 2.375 0.172 0.297 3.625 (0.905) (0.780)
3.000 (1.900) (1.775) 2.250 0.681 0.806 3.500 (0.544) (0.419)
2.875 (1.492) (1.367) 3.375 (0.520) (0.395)
2.750 (0.949) (0.824) 3.250 0.201 0.326
All FHA Programs: FHA FICO Adjusters:
Loan Amount
RATE 15 DAY 30 DAY RATE 15 DAY 30 DAY $75K <= $100K 1.000 720 + (0.625)
4.500 (3.312) (3.212) 4.500 (1.361) (1.261) >$100K <= $125K 0.375 700 - 719 (0.500)
4.375 (2.942) (2.842) 4.375 (1.086) (0.986) 3 - 4 Units 0.500 680 - 699 (0.250)
4.250 (2.579) (2.479) 4.250 (0.818) (0.718) Manufactured 1.500 660 - 679 (0.125)
4.125 (3.276) (3.176) 4.125 (1.213) (1.113) DTI > 55.00% 0.250 640 - 659 0.250
4.000 (2.915) (2.815) 4.000 (0.949) (0.849) 620 - 639 0.750
3.875 (2.565) (2.465) 3.875 (0.699) (0.599) 45 Days Lock 0.250 600 - 619 1.250
3.750 (2.210) (2.110) 3.750 (0.446) (0.346) 580 - 599 2.000
3.625 (2.666) (2.566) 3.625 (0.595) (0.495) 550 - 579 3.000
3.500 (2.315) (2.215) 3.500 (0.347) (0.247) FHA 203H 0.500 No FICO 2.000
3.375 (1.956) (1.856) 3.375 (0.092) 0.008
3.250 (1.584) (1.484) 3.250 0.172 0.272
3.125 (1.246) (1.146) 3.125 0.819 0.919
3.000 (0.879) (0.779) 3.000 1.075 1.175
2.875 (0.495) (0.395) 2.875 1.348 1.448
2.750 (0.090) 0.010 2.750 1.641 1.741
Max Final Price (5.000)
RATE 15 DAY 30 DAY RATE 15 DAY 30 DAY RATE 15 DAY 30 DAY RATE 15 DAY 30 DAY
4.750 (3.685) (3.560) 4.500 (3.689) (3.564) 5.250 (2.073) (1.948) 4.125 (0.530) (0.405)
4.625 (3.399) (3.274) 4.375 (3.271) (3.146) 5.125 (2.602) (2.477) 4.000 (0.157) (0.032)
4.500 (3.098) (2.973) 4.250 (2.839) (2.714) 5.000 (2.221) (2.096) 3.875 0.238 0.363
4.375 (2.888) (2.763) 4.125 (2.794) (2.669) 4.875 (1.874) (1.749) 3.750 0.024 0.149
4.250 (3.062) (2.937) 4.000 (2.366) (2.241) 4.750 (1.511) (1.386) 3.625 0.417 0.542
4.125 (2.345) (2.220) 3.875 (1.925) (1.800) 4.625 (2.124) (1.999) 3.500 0.839 0.964
4.000 (2.382) (2.257) 3.750 (1.470) (1.345) 4.500 (1.644) (1.519) 3.375 1.291 1.416
3.875 (2.102) (1.977) 3.625 (1.866) (1.741) 4.375 (1.283) (1.158) 3.250 0.879 1.004
3.750 (2.136) (2.011) 3.500 (1.407) (1.282) 4.250 (0.663) (0.538) 3.125 1.345 1.470
3.625 (2.585) (2.460) 3.375 (0.934) (0.809) 4.125 (0.486) (0.361) 3.000 1.828 1.953
3.500 (2.373) (2.248) 3.250 (0.450) (0.325) 4.000 (0.223) (0.098) 2.875 2.322 2.447
3.375 (1.746) (1.621) 3.125 (0.455) (0.330) 3.875 (0.397) (0.272) 2.750 2.330 2.455
3.250 (2.078) (1.953) 3.000 0.043 0.168 3.750 0.205 0.330
3.125 (1.776) (1.651) 2.875 0.547 0.672 3.625 (0.530) (0.405)
3.000 (1.525) (1.400) 2.750 1.056 1.181 3.500 (0.169) (0.044)
2.875 (1.117) (0.992) 2.625 0.250 0.375 3.375 (0.145) (0.020)
2.750 (0.574) (0.449) 3.250 0.576 0.701
FHA Streamline Adjusters: FHA Streamline Adjusters:
Loan Amount
RATE 15 DAY 30 DAY RATE 15 DAY 30 DAY $75K <=$100K 1.000 720 + (0.625)
4.500 (2.962) (2.837) 4.500 (1.011) (0.886) >$100K <=$125K 0.375 700 - 719 (0.500)
4.375 (2.592) (2.467) 4.375 (0.736) (0.611) 3 - 4 Units 0.500 680 - 699 (0.250)
4.250 (2.229) (2.104) 4.250 (0.468) (0.343) Manufactured 1.500 660 - 679 (0.125)
4.125 (2.926) (2.801) 4.125 (0.863) (0.738) Investment Property 0.250 640 - 659 0.250
4.000 (2.565) (2.440) 4.000 (0.599) (0.474) 620 - 639 0.750
3.875 (2.215) (2.090) 3.875 (0.349) (0.224) 45 Days Lock 0.250 600 - 619 1.250
3.750 (1.860) (1.735) 3.750 (0.096) 0.029 580 - 599 2.000
3.625 (2.316) (2.191) 3.625 (0.245) (0.120) 550 - 579 3.000
3.500 (1.965) (1.840) 3.500 0.003 0.128 No FICO 2.000
3.375 (1.606) (1.481) 3.375 0.258 0.383
3.250 (1.234) (1.109) 3.250 0.522 0.647
3.125 (0.896) (0.771) 3.125 1.169 1.294
3.000 (0.529) (0.404) 3.000 1.425 1.550
2.875 (0.145) (0.020) 2.875 1.698 1.823
2.750 0.260 0.385 2.750 1.991 2.116
Max Final Price (5.000)
F51SL F51HBSL
5/1- Caps: 1/1/5 Margin: 2.000 5/1- Caps: 1/1/5 Margin: 2.000
Rates, pricing, price adjustments and rate adjustments are subject to change without notice. If a discrepancy occurs, the person submitting the lock request will be contacted for approval of the new
adjusted price or rate before proceeding with the lock in. For internal use by Bluepoint Mortgage only.
Not for distribution to the general public.
F30SL F15SL F30HBSL F15HBSL
5/1 FHA ARM Streamline 5/1 FHA High Balance ARM Streamline
FHA STREAMLINE PROGRAMS
30 Yr FHA Streamline 15 Yr FHA Streamline 30 Yr FHA High Balance Streamline 15 Yr FHA High Balance Streamline
5/1 FHA Standard 5/1 FHA High Balance ARM
F51 F51HB
5/1- Caps: 1/1/5 Margin: 2.000 5/1- Caps: 1/1/5 Margin: 2.000
FHA STANDARD PROGRAMS
30 Yr FHA Standard 15 Yr FHA Standard 30 Yr FHA Stand. High Balance 15 Yr FHA Stand. High Balance
F30 F15 F30HB F15HB
Effective Date: 3/11/20 9:59 AM
Wholesale Rate Sheet
Page 2
RATE 15 DAY 30 DAY RATE 15 DAY 30 DAY RATE 15 DAY 30 DAY RATE 15 DAY 30 DAY
4.750 (3.857) (3.732) 4.000 (3.548) (3.423) 5.125 (2.332) (2.207) 4.000 (0.408) (0.283)
4.625 (3.537) (3.412) 3.875 (3.229) (3.104) 5.000 (2.079) (1.954) 3.875 (0.173) (0.048)
4.500 (3.365) (3.240) 3.750 (2.894) (2.769) 4.875 (1.919) (1.794) 3.750 0.080 0.205
4.375 (3.161) (3.036) 3.625 (2.545) (2.420) 4.750 (1.680) (1.555) 3.625 0.279 0.404
4.250 (2.712) (2.587) 3.500 (2.218) (2.093) 4.625 (1.625) (1.500) 3.500 0.525 0.650
4.125 (2.513) (2.388) 3.375 (1.885) (1.760) 4.500 (1.196) (1.071) 3.375 0.798 0.923
4.000 (2.318) (2.193) 3.250 (1.541) (1.416) 4.375 (1.039) (0.914) 3.250 1.099 1.224
3.875 (2.126) (2.001) 3.125 (1.626) (1.501) 4.250 (0.839) (0.714) 3.125 1.110 1.235
3.750 (2.114) (1.989) 3.000 (1.279) (1.154) 4.125 (0.222) (0.097) 3.000 1.428 1.553
3.625 (2.292) (2.167) 2.875 (0.916) (0.791) 4.000 (0.067) 0.058 2.875 1.763 1.888
3.500 (2.012) (1.887) 2.750 (0.538) (0.413) 3.875 0.073 0.198 2.750 2.110 2.235
3.375 (1.761) (1.636) 2.625 (0.190) (0.065) 3.750 0.050 0.175 2.625 2.545 2.670
3.250 (1.614) (1.489) 2.500 0.161 0.286 3.625 (0.246) (0.121)
3.125 (1.462) (1.337) 2.375 0.519 0.644 3.500 (0.020) 0.105
3.000 (0.968) (0.843) 2.250 0.882 1.007 3.375 0.143 0.268
2.875 (0.665) (0.540) 3.250 0.187 0.312
2.750 (0.257) (0.132)
All VA Programs: VA FICO Adjusters:
Loan Amount
RATE 15 DAY 30 DAY RATE 15 DAY 30 DAY $75K <=$100K 1.000 720 + (0.375)
4.500 (3.136) (3.036) 4.500 (1.398) (1.298) >$100K <=$125K 0.375 700 - 719 (0.250)
4.375 (2.805) (2.705) 4.375 (1.067) (0.967) 3 - 4 Units 0.500 680 - 699 0.000
4.250 (2.479) (2.379) 4.250 (0.741) (0.641) Manufactured 1.500 660 - 679 *IMPROVED* 0.000
4.125 (3.065) (2.965) 4.125 (1.327) (1.227) DTI > 55.00% 0.250 640 - 659 0.500
4.000 (2.741) (2.641) 4.000 (1.003) (0.903) 620 - 639 *IMPROVED* 1.000
3.875 (2.426) (2.326) 3.875 (0.688) (0.588) 45 Days Lock 0.250 600 - 619 1.750
3.750 (2.097) (1.997) 3.750 (0.359) (0.259) 580 - 599 2.500
3.625 (2.436) (2.336) 3.625 (0.698) (0.598) 550 - 579 4.000
3.500 (2.121) (2.021) 3.500 (0.383) (0.283) No FICO 2.000
3.375 (1.800) (1.700) 3.375 (0.062) 0.038
3.250 (1.469) (1.369) 3.250 0.269 0.369
3.125 (0.998) (0.898) 3.125 0.740 0.840
3.000 (0.671) (0.571) 3.000 1.067 1.167
2.875 (0.326) (0.226) 2.875 1.412 1.512
2.750 0.033 0.133 2.750 1.771 1.871
Max Final Price (5.000)
RATE 15 DAY 30 DAY RATE 15 DAY 30 DAY RATE 15 DAY 30 DAY RATE 15 DAY 30 DAY
4.750 (3.232) (3.107) 4.500 (3.298) (3.173) 5.375 (3.242) (3.117) 4.125 (0.158) (0.033)
4.625 (2.912) (2.787) 4.375 (2.979) (2.854) 5.250 (1.624) (1.499) 4.000 0.077 0.202
4.500 (2.740) (2.615) 4.250 (2.644) (2.519) 5.125 (1.707) (1.582) 3.875 0.330 0.455
4.375 (2.536) (2.411) 4.125 (2.295) (2.170) 5.000 (1.454) (1.329) 3.750 0.529 0.654
4.250 (2.087) (1.962) 4.000 (1.968) (1.843) 4.875 (1.294) (1.169) 3.625 0.775 0.900
4.125 (1.888) (1.763) 3.875 (1.635) (1.510) 4.750 (1.055) (0.930) 3.500 1.048 1.173
4.000 (1.693) (1.568) 3.750 (1.291) (1.166) 4.625 (1.000) (0.875) 3.375 1.349 1.474
3.875 (1.501) (1.376) 3.625 (1.376) (1.251) 4.500 (0.571) (0.446) 3.250 1.360 1.485
3.750 (1.489) (1.364) 3.500 (1.029) (0.904) 4.375 (0.414) (0.289) 3.125 1.678 1.803
3.625 (1.667) (1.542) 3.375 (0.666) (0.541) 4.250 (0.214) (0.089) 3.000 2.013 2.138
3.500 (1.387) (1.262) 3.250 (0.288) (0.163) 4.125 0.403 0.528 2.875 2.360 2.485
3.375 (1.136) (1.011) 3.125 0.060 0.185 4.000 0.558 0.683 2.750 2.795 2.920
3.250 (0.989) (0.864) 3.000 0.411 0.536 3.875 0.698 0.823
3.125 (0.837) (0.712) 2.875 0.769 0.894 3.750 0.675 0.800
3.000 (0.343) (0.218) 2.750 1.132 1.257 3.625 0.379 0.504
2.875 (0.040) 0.085 3.500 0.605 0.730
2.750 0.368 0.493
VA IRRRLS Adjusters: VA IRRRLS Adjusters:
Loan Amount 720+ (0.375)
RATE 15 DAY 30 DAY RATE 15 DAY 30 DAY $75K <=$100K 1.000 700 - 719 (0.250)
4.500 (2.886) (2.786) 4.500 (1.148) (1.048) >$100K <=$125K 0.375 660 - 679 *IMPROVED* 0.000
4.375 (2.555) (2.455) 4.375 (0.817) (0.717) 3 - 4 Units 0.500 640 - 659 0.500
4.250 (2.229) (2.129) 4.250 (0.491) (0.391) Manufactured 1.500 620 - 639 *IMPROVED* 1.000
4.125 (2.815) (2.715) 4.125 (1.077) (0.977) Investment Property 0.250 600 - 619 1.750
4.000 (2.491) (2.391) 4.000 (0.753) (0.653) 580 - 599 2.500
3.875 (2.176) (2.076) 3.875 (0.438) (0.338) 45 Days Lock 0.250 550 - 579 4.000
3.750 (1.847) (1.747) 3.750 (0.109) (0.009) No FICO 2.000 VA IRRRLS High balance:
3.625 (2.186) (2.086) 3.625 (0.448) (0.348) 720+ (0.375)
3.500 (1.871) (1.771) 3.500 (0.133) (0.033) 700 - 719 (0.250)
3.375 (1.550) (1.450) 3.375 0.188 0.288 660 - 679 *IMPROVED* 0.000
3.250 (1.219) (1.119) 3.250 0.519 0.619 640 - 659 0.500
3.125 (0.748) (0.648) 3.125 0.990 1.090 620 - 639 *IMPROVED* 1.000
3.000 (0.421) (0.321) 3.000 1.317 1.417 600 - 619 2.250
2.875 (0.076) 0.024 2.875 1.662 1.762 580 - 599 4.000
2.750 0.283 0.383 2.750 2.021 2.121
Max Final Price (5.000)
Rates, pricing, price adjustments and rate adjustments are subject to change without notice. If a discrepancy occurs, the person submitting the lock request will be contacted for approval of the new
adjusted price or rate before proceeding with the lock in. For internal use by Bluepoint Mortgage only.
Not for distribution to the general public.
5/1 VA ARM IRRRL 5/1 VA High Balance ARM IRRRL
V51IR V51HBIR
5/1- Caps: 1/1/5 Margin: 2.000 5/1- Caps: 1/1/5 Margin: 2.000
VA STREAMLINE PROGRAMS
30 Yr VA IRRRL 15 Yr VA IRRRL 30 Yr VA High Balance IRRRL 15 Yr VA High Balance IRRRL
V30IR V15IR V30HBIR F15HBIR
5/1 VA Standard 5/1 VA High Balance ARM
V51 V51HB
5/1- Caps: 1/1/5 Margin: 2.000 5/1- Caps: 1/1/5 Margin: 2.000
30 Yr VA Standard 15 Yr VA Standard 30 Yr VA Stand. High Balance 15 Yr VA Stand. High Balance
V30 V15 V30HB V15HB
Effective Date: 3/11/20 9:59 AM
Wholesale Rate Sheet
Page 3
VA STANDARD PROGRAMS
RATE 15 Days 30 DAY RATE 15 Days 30 DAY RATE 15 Days 30 DAY RATE 15 DAY 30 DAY
4.750 (5.196) (5.071) 4.625 (5.446) (5.321) 4.375 (5.890) (5.765) 4.250 (5.278) (5.153)
4.625 (4.535) (4.410) 4.500 (4.957) (4.832) 4.250 (5.699) (5.574) 4.125 (5.186) (5.061)
4.500 (4.149) (4.024) 4.375 (4.604) (4.479) 4.125 (5.396) (5.271) 4.000 (4.919) (4.794)
4.375 (3.719) (3.594) 4.250 (4.322) (4.197) 4.000 (5.041) (4.916) 3.875 (4.574) (4.449)
4.250 (3.510) (3.385) 4.125 (4.345) (4.220) 3.875 (4.695) (4.570) 3.750 (4.268) (4.143)
4.125 (3.345) (3.220) 4.000 (4.179) (4.054) 3.750 (4.119) (3.994) 3.625 (4.179) (4.054)
4.000 (3.173) (3.048) 3.875 (3.865) (3.740) 3.625 (3.793) (3.668) 3.500 (3.888) (3.763)
3.875 (2.831) (2.706) 3.750 (3.448) (3.323) 3.500 (3.710) (3.585) 3.375 (3.635) (3.510)
3.750 (2.509) (2.384) 3.625 (3.229) (3.104) 3.375 (3.432) (3.307) 3.250 (3.288) (3.163)
3.625 (2.755) (2.630) 3.500 (2.881) (2.756) 3.250 (3.085) (2.960) 3.125 (2.914) (2.789)
3.500 (2.344) (2.219) 3.375 (2.505) (2.380) 3.125 (2.707) (2.582) 3.000 (2.445) (2.320)
3.375 (1.940) (1.815) 3.250 (1.959) (1.834) 3.000 (2.157) (2.032) 2.875 (1.945) (1.820)
3.250 (1.476) (1.351) 3.125 (1.360) (1.235) 2.875 (1.772) (1.647) 2.750 (1.605) (1.480)
3.125 (0.688) (0.563) 3.000 (0.530) (0.405) 2.750 (1.453) (1.328) 2.625 (1.175) (1.050)
3.000 (0.038) 0.087 2.625 (0.977) (0.852)
2.875 0.691 0.816 2.500 (0.504) (0.379)
2.750 1.629 1.754 2.375 0.126 0.251
RATE 15 Day 30 DAY RATE 15 Days 30 DAY
High Balance 30 Year Fixed High Balance 15 Year Fixed
FN30HB FN15HB
CONVENTIONAL FIXED PROGRAMS
Conforming 30/25 Year Fixed Conforming 20 Year Fixed Conforming 15Year Fixed Conforming 10 Year Fixed
FN30 FN20 FN15 FN10
Effective Date: 3/11/20 9:59 AM
Wholesale Rate Sheet
Page 4
5.125 (4.132) (4.007) 4.500 (4.415) (4.290)
5.000 (4.094) (3.969) 4.375 (4.234) (4.109)
4.875 (3.911) (3.786) 4.250 (4.100) (3.975)
4.750 (3.599) (3.474) 4.125 (3.895) (3.770)
4.625 (3.025) (2.900) 4.000 (3.675) (3.550)
4.500 (2.623) (2.498) 3.875 (3.436) (3.311)
4.375 (2.264) (2.139) 3.750 (3.087) (2.962)
4.250 (2.248) (2.123) 3.625 (2.801) (2.676)
4.125 (2.306) (2.181) 3.500 (2.760) (2.635)
4.000 (2.101) (1.976) 3.375 (2.522) (2.397)
3.875 (1.851) (1.726) 3.250 (2.226) (2.101)
3.750 (1.471) (1.346) 3.125 (1.904) (1.779)
3.625 (1.730) (1.605) 3.000 (1.409) (1.284)
3.500 (1.379) (1.254) 2.875 (1.044) (0.919)
3.375 (0.867) (0.742) 2.750 (0.658) (0.533)
3.250 (0.416) (0.291) 2.625 (0.039) 0.086
3.125 0.386 0.511
RATE 15 DAY 30 DAY RATE 15 DAY 30 DAY RATE 15 DAY 30 DAY RATE 15 DAY 30 DAY
4.750 0.757 0.857 4.625 0.357 0.457 4.750 0.985 1.085 4.625 1.175 1.275
4.625 0.299 0.399 4.500 0.401 0.501 4.625 0.527 0.627 4.500 1.221 1.321
4.500 0.278 0.378 4.375 0.445 0.545 4.500 0.506 0.606 4.375 1.267 1.367
4.375 0.257 0.357 4.250 0.551 0.651 4.375 0.485 0.585 4.250 1.376 1.476
4.250 0.514 0.614 4.125 0.700 0.800 4.250 0.742 0.842 4.125 1.527 1.627
4.125 0.965 1.065 4.000 0.784 0.884 4.125 1.193 1.293 4.000 1.613 1.713
4.000 1.119 1.219 3.875 0.868 0.968 4.000 1.347 1.447 3.875 1.694 1.794
3.875 1.271 1.371 3.750 1.079 1.179 3.875 1.499 1.599 3.750 1.902 2.002
3.750 1.421 1.521 3.625 1.374 1.474 3.750 1.649 1.749 3.625 2.194 2.294
3.625 1.571 1.671 3.500 1.540 1.640 3.625 1.799 1.899 3.500 2.357 2.457
3.500 1.728 1.828 3.375 1.710 1.810 3.500 1.956 2.056 3.375 2.527 2.627
3.375 1.889 1.989 3.250 1.887 1.987 3.375 2.117 2.217 3.250 2.709 2.809
3.250 2.049 2.149 3.125 2.064 2.164 3.250 2.277 2.377 3.125 2.888 2.988
3.125 2.206 2.306 3.000 2.235 2.335 3.125 2.434 2.534 3.000 3.061 3.161
3.000 2.359 2.459 2.875 2.404 2.504 3.000 2.587 2.687 2.875 3.229 3.329
2.875 2.510 2.610 2.750 2.634 2.734 2.875 2.738 2.838 2.750 3.458 3.558
SEE PAGE 5 FOR CONVENTIONAL FIXED AND ARMS PRICE ADJUSTMENTS
Rates, pricing, price adjustments and rate adjustments are subject to change without notice. If a discrepancy occurs, the person submitting the lock request will be contacted for approval of the new
adjusted price or rate before proceeding with the lock in. For internal use by Bluepoint Mortgage only.
Not for distribution to the general public.
FN71L FN51L FN71LHB FN51ILHB
7/1- Caps: 5/2/5 Margin: 2.25 5/1- Caps: 2/2/5 Margin: 2.25 7/1- Caps: 5/2/5 Margin: 2.25 5/1- Caps: 2/2/5 Margin: 2.25
Intentionally Left Blank Intentionally Left Blank
CONVENTIONAL ARM PROGRAMS
7/1 LIBOR ARM 5/1 LIBOR ARM 7/1 LIBOR HIGH-BAL ARM 5/1 LIBOR HIGH-BAL ARM
<=60 60.01-70 75.01-80 80.01-85 90.01-95 95.01-97
740+ 0.000 0.250 0.500 0.250 0.250 0.750
720-739 0.000 0.250 0.750 0.500 0.500 1.000
700-719 0.000 0.500 1.250 1.000 1.000 1.500
680-699 0.000 0.500 1.750 1.500 1.250 1.500
660-679 0.000 1.000 2.750 2.750 2.250 2.250
640-659 0.500 1.250 3.000 3.250 2.750 2.750
620-639 0.500 1.500 3.000 3.250 3.250 3.500
Additional Adjusters <=60 60.01-70 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97
Condo (term > 15 years) 0.000 0.000 0.750 0.750 0.750 0.750
Inv. Property 2.125 2.125 3.375 4.125 N/A N/A
2 Unit Property 1.000 1.000 1.000 1.000 N/A N/A
3-4 Unit Property 1.000 1.000 N/A N/A N/A N/A
LA $50,000 - $75,000 1.500 1.500 1.500 1.500 1.500 1.500
LA > $75,000 - $100,000 0.750 0.750 0.750 0.750 0.750 0.750
LA > $100,000-Limit 0.000 0.000 0.000 0.000 0.000 0.000
Non-Escrowed Loans CA 0.150 0.150 0.150 0.150 N/A N/A
Non-Escrowed Loans All other States 0.250 0.250 0.250 N/A N/A N/A
Purch/Refi High Bal Fixed 0.250 0.250 0.250 0.250 0.250 N/A
Purch/Refi High Bal ARM 0.750 0.750 1.500 1.500 1.500 N/A
Manufactured Home 1.000 1.000 1.000 1.000 1.000 1.000
7-10 Properties 1.000 1.000 1.000 1.000 1.000 1.000
Subordinate Financing: All loan terms & programs
<=60 70.01-75 75.01-80
740+ 0.375 0.625 0.875
720-739 0.375 1.000 1.125 LTV CLTV <720 >=720
700-719 0.375 1.000 1.125 <= 65% 80.01% - 95% 0.500 0.250
680-699 0.375 1.125 1.750 65.01% - 75% 80.01% - 95% 0.750 0.500
660-679 0.625 1.125 1.875 75.01%-95% 90.01% - 95% 1.000 0.750
640-659 0.625 1.625 2.625 75.01%-90% 76.01% - 90% 1.000 0.750
620-639 0.625 1.625 3.125 <=95% 95.01% - 97% 1.500 1.500
C/O HB Fixed 1.000 1.000 1.000
C/O HB ARM 1.750 1.750 2.500
For LPMI please refer to the pricing engine
LTV > 80% FICO => 680 0.000
All other LTV and FICO 1.500
HomeReady Mortgage Caps LLPA Caps
Rates, pricing, price adjustments and rate adjustments are subject to change without notice. If a discrepancy occurs, the person submitting the lock request will be contacted for approval of the new
adjusted price or rate before proceeding with the lock in. For internal use by Bluepoint Mortgage only.
Not for distribution to the general public.
1.625 N/A
1.000 N/AAll Mortgage where the CLTV exceeds theLTV 0.375
1.750 N/A
1.125 N/A
1.125 N/A
1.625 N/A
FICO0.625 N/A
1.000 N/A
1.000 N/A
1.000 1.000
Cash-Out Refi. FICO/LTV GRID: All loan terms & programs
60.01-70 >80LTV / CLTV
0.250 0.250
0.750 1.500
1.000 1.000
0.000 0.000
0.150 0.150
0.250 N/A
1.000 N/A
1.500 1.500
0.750 0.750
70.01-75
0.000 0.750
2.125 N/A
1.000 N/A
2.250 2.250
2.750 2.750
3.000 3.250
0.500 0.500
1.000 1.000
1.250 1.250
Page 5
CONVENTIONAL PRICE ADJUSTMENTS
FICO / LTV GRID: Terms > 15 years
70.01-75 85.01-90
0.250 0.250
Effective Date: 3/11/20 9:59 AM
Wholesale Rate Sheet
RATE 15 DAY 30 DAY RATE 15 DAY 30 DAY RATE 15 DAY 30 DAY RATE 15 DAY 30 DAY
5.000 (5.373) (5.248) 4.500 (5.750) (5.625) 5.000 (4.244) (4.119) 4.500 (4.165) (4.040)
4.875 (5.157) (5.032) 4.375 (5.495) (5.370) 4.875 (3.990) (3.865) 4.375 (3.984) (3.859)
4.750 (4.852) (4.727) 4.250 (5.304) (5.179) 4.750 (3.636) (3.511) 4.250 (3.850) (3.725)
4.625 (4.399) (4.274) 4.125 (5.001) (4.876) 4.625 (2.685) (2.560) 4.125 (3.645) (3.520)
4.500 (3.909) (3.784) 4.000 (4.646) (4.521) 4.500 (2.564) (2.439) 4.000 (3.425) (3.300)
4.375 (3.508) (3.383) 3.875 (4.300) (4.175) 4.375 (2.114) (1.989) 3.875 (3.186) (3.061)
4.250 (3.227) (3.102) 3.750 (3.995) (3.870) 4.250 (2.137) (2.012) 3.750 (2.969) (2.844)
4.125 (2.898) (2.773) 3.625 (3.718) (3.593) 4.125 (1.941) (1.816) 3.625 (2.773) (2.648)
4.000 (2.770) (2.645) 3.500 (3.427) (3.302) 4.000 (1.881) (1.756) 3.500 (2.569) (2.444)
3.875 (2.417) (2.292) 3.375 (3.174) (3.049) 3.875 (1.506) (1.381) 3.375 (2.150) (2.025)
3.750 (2.053) (1.928) 3.250 (2.827) (2.702) 3.750 (1.123) (0.998) 3.250 (1.803) (1.678)
3.625 (2.255) (2.130) 3.125 (2.453) (2.328) 3.625 (1.198) (1.073) 3.125 (1.421) (1.296)
3.500 (1.810) (1.685) 3.000 (1.984) (1.859) 3.500 (0.799) (0.674) 3.000 (0.791) (0.666)
3.375 (1.475) (1.350) 2.875 (1.493) (1.368) 3.375 (0.402) (0.277) 2.875 (0.510) (0.385)
3.250 (1.029) (0.904) 2.750 (1.154) (1.029) 3.250 0.070 0.195 2.750 (0.212) (0.087)
3.125 (0.401) (0.276)
RATE 15 DAY 30 DAY RATE 15 DAY 30 DAY RATE 15 DAY 30 DAY RATE 15 DAY 30 DAY
4.875 (4.785) (4.660) 4.875 (4.785) (4.660) 4.500 (5.218) (5.093) 4.500 (5.218) (5.093)
4.750 (4.431) (4.306) 4.750 (4.431) (4.306) 4.375 (5.015) (4.890) 4.375 (5.015) (4.890)
4.625 (3.480) (3.355) 4.625 (3.480) (3.355) 4.250 (4.667) (4.542) 4.250 (4.667) (4.542)
4.500 (3.359) (3.234) 4.500 (3.359) (3.234) 4.125 (4.274) (4.149) 4.125 (4.274) (4.149)
4.375 (2.909) (2.784) 4.375 (2.909) (2.784) 4.000 (4.042) (3.917) 4.000 (4.042) (3.917)
4.250 (2.932) (2.807) 4.250 (2.932) (2.807) 3.875 (3.661) (3.536) 3.875 (3.661) (3.536)
4.125 (2.736) (2.611) 4.125 (2.736) (2.611) 3.750 (3.499) (3.374) 3.750 (3.499) (3.374)
4.000 (2.676) (2.551) 4.000 (2.676) (2.551) 3.625 (3.124) (2.999) 3.625 (3.124) (2.999)
3.875 (2.301) (2.176) 3.875 (2.301) (2.176) 3.500 (3.247) (3.122) 3.500 (3.247) (3.122)
3.750 (1.918) (1.793) 3.750 (1.918) (1.793) 3.375 (2.945) (2.820) 3.375 (2.945) (2.820)
3.625 (1.993) (1.868) 3.625 (1.993) (1.868) 3.250 (2.598) (2.473) 3.250 (2.598) (2.473)
3.500 (1.594) (1.469) 3.500 (1.594) (1.469)
MAX PRICE (4.500)
<=60 60.01-70 75.01-80 85.01-90 90.01-95 95.01-97
740+ 0.000 0.250 0.500 0.250 0.250 0.750
720-739 0.000 0.250 0.750 0.500 0.500 1.000
700-719 0.000 0.500 1.250 1.000 1.000 1.500
680-699 0.000 0.500 1.750 1.250 1.250 1.500
660-679 0.000 1.000 2.750 2.250 2.250 2.250 Minimum Loan Amount $75,000
640-659 0.500 1.250 3.000 2.750 2.750 2.750
620-639 0.500 1.500 3.000 3.250 3.250 3.500
<=60 70.01-75 75.01-80 80.01-85
0.375 0.625 0.875 2.000
0.375 1.000 1.125 N/A
0.375 1.000 1.125 N/A
0.375 1.125 1.750 N/A
0.625 1.125 1.875 N/A
0.625 1.625 2.625 N/A
0.625 1.625 3.125 N/A
1.000 1.000 1.000 N/A
LTV <720 >=720
<= 75% 0.375 0.375
<= 65% 0.875 0.625
>65%-<=75% 1.125 0.875
LTV > 80% FICO => 680 0.000 > 75-<=95% 1.375 1.125
All other LTV and FICO 1.500
Caps do not apply to Loan Amount or Escrow
Waiver Adjustments .
Rates, pricing, price adjustments and rate adjustments are subject to change without notice. If a discrepancy occurs, the person submitting the lock request will be contacted for approval of the new
adjusted price or rate before proceeding with the lock in. For internal use by Bluepoint Mortgage only.
Not for distribution to the general public.
<=80%
HomePossible LLPA Caps LLPA Caps>80% - <=95%
>80% - <=95%
<76% - 95%
Non-Escrowed Loans CA 0.150Subordinate Financing: All loan terms & programs
Non-Escrowed Loans Not CA 0.250
HighBal Purchases & No Cashout Refi 0.250 CLTV
Second Home and LTV > 85 0.250 Cash Out High Bal 1.000
LA > $75,000 - $ 100,000 0.750
3 - 4 Units & LTV > 80 and < = 85 1.500 640-659 1.625
3 - 4 Units & LTV > 85 2.000 620-639 1.625
2 Unit Property 1.000 680-699 1.125
3 - 4 Units & LTV < = 80 1.000 660-679 1.125
Inv. Property LTV > 75 and < = 80 3.375 720-739 1.000
Inv. Property LTV > 80 4.125 700-719 1.000
Attached Condo > 75 LTV & Term > 15 yrs 0.750 60.01-70
Inv. Property LTV < = 75 2.125 740+ 0.625
2.750 3.250
3.000 3.250
Additional Adjusters Cash-Out Refi. FICO/LTV GRID: All loan terms & programs
1.000 1.000
1.250 1.500
2.250 2.750
70.01-75 80.01-85
0.250 0.250 45 Day Lock
0.500 0.500 Add 0.25 to 30 Day Price
HP30 HP20 HP15 HP10
FREDDIE MAC PRICE ADJUSTMENTS
FICO / LTV GRID: Terms > 15 years
CFH30 CFH15 CFH30HB CFH15HB
FHLMC 30 / 25 Fixed HomePossible FHLMC 20 Fixed HomePossible FHLMC 15 Fixed HomePossible FHLMC 10 Fixed HomePossible
Page 6
FREDDIE MAC PROGRAMS
FHLMC 30 Yr Fixed FHLMC 15 Yr Fixed FHLMC 30 Yr Fixed High Balance FHLMC 15 Yr Fixed High Balance
Effective Date: 3/11/20 9:59 AM
Wholesale Rate Sheet
RATE 30 DAY 45 DAY RATE 30 DAY 45 DAY
4.875 (2.377) (2.252) 4.500 (2.966) (2.841)
4.750 (2.094) (1.969) 4.375 (2.811) (2.686)
4.625 (1.921) (1.796) 4.250 (2.530) (2.405)
4.500 (1.884) (1.759) 4.125 (2.221) (2.096)
4.375 (1.741) (1.616) 4.000 (2.091) (1.966)
4.250 (1.449) (1.324) 3.875 (1.750) (1.625)
4.125 (1.204) (1.079) 3.750 (1.363) (1.238)
4.000 (0.973) (0.848) 3.625 (0.945) (0.820)
3.875 (0.716) (0.591) 3.500 (0.456) (0.331)
RATE 30 DAY 45 DAY 30 DAY 45 DAY RATE 30 DAY 45 DAY
4.500 (1.944) (1.819) (1.472) (1.347) 4.500 (1.754) (1.629)
4.375 (1.673) (1.548) (1.156) (1.031) 4.375 (1.463) (1.338)
4.250 (1.401) (1.276) (0.841) (0.716) 4.250 (1.178) (1.053)
4.125 (1.133) (1.008) (0.533) (0.408) 4.125 (0.892) (0.767)
4.000 (0.861) (0.736) (0.215) (0.090) 4.000 (0.607) (0.482)
3.875 (0.440) (0.315) 0.103 0.228 3.875 (0.321) (0.196)
3.750 (0.016) 0.109 0.424 0.549 3.750 0.004 0.129
3.625 0.133 0.258 1.090 1.215 3.625 0.609 0.734
3.500 0.560 0.685 1.624 1.749
<=55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90
(0.500) (0.500) (0.500) (0.250) 0.125 0.375
(0.500) (0.375) (0.375) (0.125) 0.250 0.500
(0.500) (0.375) (0.250) 0.000 0.500 0.750
(0.500) (0.375) (0.250) 0.000 0.750 1.000
(0.375) (0.250) (0.125) 0.250 1.250 1.500
(0.375) (0.250) (0.125) 0.500 N/A N/A
(0.375) (0.375) (0.250) (0.250) 0.000 0.000
0.000 0.000 0.250 1.250 N/A N/A
0.750 0.750 1.000 1.250 N/A N/A
N/A N/A N/A N/A 0.750 1.000
0.500 0.500 1.000 1.500 N/A N/A
Prestige Extension Options Price Adj *** Prestige Products Are Not Available For Texas Properties ***
7 Days 0.150
15 Days 0.300
Interest Only 1.000 N/A
Rates, pricing, price adjustments and rate adjustments are subject to change without notice. If a discrepancy occurs, the person submitting the lock request will be contacted for approval of the new
adjusted price or rate before proceeding with the lock in. For internal use by Bluepoint Mortgage only.
Not for distribution to the general public.
Investment 1.000 N/A
> 80 LTV NO MI N/A N/A
Purchase (0.250) (0.250)
Cash Out Refinance 0.750 N/A
700 - 719 0.000 0.625
680 - 699 0.000 0.875
740 - 759 (0.250) 0.250
720 - 739 (0.250) 0.500
LTV/CLTV/HCLTV
> = 780 (0.375) 0.000
760 - 779 (0.375) 0.125
Max Net Rebate 101.25
Margin: 2.25 Caps: 2/2/5 Margin: 2.25 Caps: 5/2/5 Margin: 2.25 Caps: 5/2/5
Libor 1 Year Libor 1 Year Libor 1 Year
3.875
3.750
3.625
3.500
Max Net Rebate 101.25 Max Net Rebate 101.25
RATE
4.500
4.375
4.250
4.125
4.000
Prestige Jumbo 5/1 LIBOR ARM Prestige Jumbo 10/1 LIBOR ARM Prestige Jumbo 7/1 LIBOR ARM
JA51 JA101 JA71
Intentionally Left Blank
Max Net Rebate 101.25 Max Net Rebate 101.25
Page 7
Prestige Jumbo - Minimum Loan Amount $1.00 above Agency Limit
Prestige Jumbo 30 Yr Fixed Prestige Jumbo 15 Yr Fixed
JF30 JF15
Effective Date: 3/11/20 9:59 AM
Wholesale Rate Sheet
6.250 106.584 106.384 106.209 Lock Period Price Adj
6.125 106.459 106.259 106.084 30 Days 0.000
6.000 106.334 106.134 105.959 45 Days 0.150
5.875 106.209 106.009 105.834 60 Days 0.300
5.750 106.084 105.884 105.709
5.625 105.865 105.665 105.490 Prepayment >=36 Months 0.000
5.500 105.646 105.446 105.271 Penalty 24 Months 0.250
5.375 105.427 105.227 105.052 Investor Only 12 Months 0.500
5.250 105.209 105.009 104.834 No Penalty 1.000
5.125 104.959 104.759 104.584
5.000 104.709 104.509 104.334
4.875 104.459 104.259 104.084
4.750 104.209 104.009 103.834
4.625 103.927 103.727 103.521
4.500 103.646 103.446 103.209
4.375 103.334 103.134 102.896
4.250 103.021 102.821 102.584
4.125 102.709 102.509 102.240
4.000 102.396 102.196 101.896
3.875 102.084 101.884 101.552
3.750 101.771 101.571 101.209
3.625 101.427 101.227 100.834 Tier 1 AL, AR, GA, IN, IA, KY, SC, TN, UT, WA
3.500 101.084 100.884 100.459 Tier 2 AZ, CA, CO, DE, FL, IL, MI, MN, NV, OH, OR, PA, TX, VA
3.375 100.740 100.540 100.052 Tier 3 DC, MD, MT, NJ
3.250 100.396 100.196 99.646
3.125 100.021 99.759 99.146
3.000 99.646 99.321 98.646
2.875 99.146 98.821 98.146 Fixed Terms
2.750 98.646 98.321 97.646 5/1 ARM
7/1 ARM
<= 50 50.01 - 55 60.01 - 65 65.01 - 70 75.01 - 80 80.01 - 85 85.01 - 90
-0.500 -0.375 -0.125 0.000 0.375 1.125 1.750
-0.375 -0.250 -0.125 0.000 0.375 1.125 1.750
-0.250 -0.125 0.000 0.125 0.625 1.500 1.875
-0.125 0.000 0.125 0.250 0.875 1.750 2.125
0.000 0.125 0.375 0.875 1.500 2.250 2.750
0.000 0.125 0.625 1.250 2.250 2.875 3.375
0.500 0.625 1.000 1.625 2.750 N/A N/A
-0.250 0.000 0.250 0.625 1.500 2.375 N/A
-0.125 0.000 0.250 0.625 1.500 2.375 N/A
0.000 0.125 0.375 1.000 1.875 2.625 N/A
0.125 0.250 0.500 1.375 2.125 3.000 N/A
0.250 0.375 0.875 1.625 2.500 3.500 N/A
0.375 0.500 1.250 1.625 3.125 4.000 N/A
0.625 0.750 1.375 2.250 N/A N/A N/A
0.000 0.000 0.000 0.250 0.625 N/A N/A
<= 50 50.01 - 55 60.01 - 65 65.01 - 70 75.01 - 80 80.01 - 85 85.01 - 90
DTI 0.125 0.125 0.125 0.125 0.125 0.125 0.125
0.625 0.625 0.625 0.625 0.750 0.750 0.875
0.000 0.000 0.000 0.000 0.000 0.000 0.000
0.000 0.000 0.000 0.125 0.375 0.375 0.500
0.000 0.000 0.125 0.250 0.500 N/A N/A
0.125 0.125 0.125 0.250 0.500 N/A N/A
Purpose 0.375 0.375 0.500 0.750 1.000 N/A N/A
0.125 0.125 0.250 0.375 N/A N/A N/A
0.500 0.500 0.500 0.625 N/A N/A N/A
0.250 0.250 0.500 0.500 0.500 N/A N/A
0.250 0.250 0.250 0.250 0.375 N/A N/A
0.000 0.000 0.000 0.000 0.000 0.000 0.000
0.000 0.000 0.000 0.000 0.000 0.000 0.000
0.125 0.125 0.125 0.125 0.125 0.250 0.250
Amortization 0.250 0.250 0.250 0.250 0.500 N/A N/AInterest Only 0.250 0.375
Rates, pricing, price adjustments and rate adjustments are subject to change without notice. If a discrepancy occurs, the person submitting the lock request will be contacted for approval of the new
adjusted price or rate before proceeding with the lock in. For internal use by Bluepoint Mortgage only.
Not for distribution to the general public.
State
Tier 1 0.000 0.000
Tier 2 0.000 0.000
Tier 3 0.125 0.125
Property TypeCondo 0.250 0.500
2 Units 0.250 0.250
Cash - Out Refinance 0.375 1.000
Occupancy2nd Home 0.125 0.750
Investor 0.500 1.000
$ 1,500,001 - $2,000,000 0.000 0.375
$ 2,000,001 - $2,500,000 0.125 0.375
Loan Balance
< $ 250,000 0.625 0.750
$250,000 - $750,000 0.000 0.000
$ 1,000,001 - $1,500,000 0.000 0.250
* Additive to 24 Mo Bank statement Adjustment
Price Adjustments
55.01 - 60 70.01 - 75
> 43% 0.125 0.125
660 - 679 0.875 3.250
12 Mo Bank Statement * 0.000 0.500
700 - 719 0.375 2.000
680 - 699 0.500 2.500
1.000
740 - 759 0.125 1.500
720 - 739 0.250 1.625
1.750
660 - 679 0.750 2.250
24 Mo Bank Statement
780+ 0.000 1.000
760-0779 0.000
1099 ( 2 years ) 720 - 739 0.000 0.625
700 - 719 0.125 1.125
680 - 699 0.250
FullDoc (2 Years)
780+ -0.250 0.250
760-0779 -0.250 0.250
740 - 759 -0.125 0.375
98.321 1 YR LIBOR - 3.5% Margin/Floor - 2/2/5 Caps
1 YR LIBOR - 3.5% Margin/Floor - 5/2/5 Caps
Price Adjustments
Fico 55.01 - 60 70.01 - 75
100.196
99.759
99.321 Term
98.821 40 Year Fixed (IO Only), 30 Year Fixed, & 15 Year Fixed
101.884
101.571 State Tiers
101.227
100.884
100.540
103.134 Min FICO 660
102.821
102.509
102.196
104.009 Program Restrictions
103.727 Housing 0x30x12
103.446 Credit Event ( BK/FC/SS/DIL) 48 mo
105.446
105.227
105.009
104.759
104.509
104.259
106.384
106.259
106.134
106.009
105.884
105.665
Wholesale Rate Sheet
(877) 267-1056
Page 8
Leverage Elite Program
Rate 5/1 ARM 7/1 ARM 15 YR FIX 30 YR FIX
Effective Date: 3/11/20 9:59 AM
100.00 Rates - 5 / 1 LIBOR ARM55.01 - 60 65.01 - 70 70.01 - 75 75.01 - 80 85.01 - 90 90.01 - 95
3.850% 3.950% 4.100% 4.150% 4.900% 6.150%
3.900% 4.000% 4.150% 4.250% 5.000% 6.250%
3.950% 4.100% 4.200% 4.300% 5.100% 6.300%
4.000% 4.150% 4.250% 4.350% 5.200% 6.400%
4.050% 4.300% 4.400% 4.450% 5.600% N/A
4.150% 4.500% 4.650% 4.800% 5.950% N/A
4.350% 4.550% 4.850% 4.950% 6.750% N/A
55.01 - 60 65.01 - 70 70.01 - 75 75.01 - 80 85.01 - 90 90.01 - 95
FICO >= 700 0.300 0.400 0.500 0.600 N/A N/A
FICO < 700 0.300 0.400 0.500 0.600 N/A N/A
FICO >= 700 0.100 0.300 0.300 0.400 0.600 N/A
FICO < 700 0.200 0.300 0.400 0.600 0.600 N/A
FICO >= 700 0.300 0.700 0.800 0.800 N/A N/A
FICO < 700 0.400 0.700 0.800 0.800 N/A N/A
0.250 0.350 0.350 0.350 N/A N/A
55.01 - 60 65.01 - 70 70.01 - 75 75.01 - 80 85.01 - 90 90.01 - 95
0.000 0.000 0.000 0.000 0.150 0.150
0.000 0.150 0.150 0.150 0.250 N/A
0.150 0.150 0.250 0.250 N/A N/A
55.01 - 60 65.01 - 70 70.01 - 75 75.01 - 80 85.01 - 90 90.01 - 95
0.750 0.850 0.850 0.950 1.050 N/A
0.000 0.000 0.000 0.000 0.000 0.000
(0.050) (0.050) (0.050) (0.050) (0.050) 0.130
0.000 0.000 0.000 0.000 0.150 0.250
0.200 0.200 0.200 0.300 N/A N/A
0.300 0.300 0.300 0.400 N/A N/A
0.400 0.400 0.400 0.500 N/A N/A
1.000 1.000 N/A N/A N/A N/A
1.250 1.250 N/A N/A N/A N/A
55.01 - 60 65.01 - 70 70.01 - 75 75.01 - 80 85.01 - 90 90.01 - 95
0.000 0.000 0.000 0.000 0.000 N/A
0.300 0.400 0.600 0.600 N/A N/A
0.300 0.400 0.500 0.500 N/A N/A
55.01 - 60 65.01 - 70 70.01 - 75 75.01 - 80 85.01 - 90 90.01 - 95
0.400 0.500 0.500 0.500 N/A N/A
0.150 0.250 0.500 0.700 N/A N/A
55.01 - 60 65.01 - 70 70.01 - 75 75.01 - 80 85.01 - 90 90.01 - 95
0.350 0.350 0.350 0.350 NA NA
0.000 0.150 0.150 0.250 N/A N/A
0.250 0.400 0.400 0.400 N/A N/A
55.01 - 60 65.01 - 70 70.01 - 75 75.01 - 80 85.01 - 90 90.01 - 95
0.000 0.000 0.000 0.000 0.000 0.000
0.000 0.000 0.000 0.000 0.000 0.000
0.100 0.100 0.100 0.100 0.200 0.200
55.01 - 60 65.01 - 70 70.01 - 75 75.01 - 80 85.01 - 90 90.01 - 95
0.000 0.150 0.150 0.150 N/A N/A
55.01 - 60 65.01 - 70 70.01 - 75 75.01 - 80 85.01 - 90 90.01 - 95
0.000 (0.100) (0.150) (0.200) N/A N/A
0.000 (0.100) (0.150) (0.150) N/A N/A
0.000 0.000 0.000 0.000 N/A N/A
0.250 0.250 0.250 0.250 N/A N/A
0.500 0.500 0.500 0.500 N/A N/A
7 /1 ARM 0.000 40 Year Fixed (IO Only), 30 Year & 15 Year Fixed Housing 0x30x12
15 Yrs 0.000 1 YR LIBOR - 3.5 % Margin/Floor - 2/2/5 Caps Credit Event (BK/FC/SS/DIL) 48 mo
30 Yrs 0.300 1 YR LIBOR - 3.5 % Margin/Floor - 5/2/5 Caps Min FICO 660
40yr (IO Only) 0.300
Lock Period Price Adj
30 Days 0.000 Loan Amount: <=$2,000,000 > $3,000,000
45 Days 0.150 Max Price: (1.50) 0.50
60 Days 0.300 Min Price: 1.50 1.50
Buyup/Buydown: 2:1 2:1
State Tiers
Tier 1 AL, AR, GA, IN, IA, KY, SC, TN, UT, WA
Tier 2 AZ, CA, CO, DE, FL, IL, MI, MN, NV, OH, OR, PA, TX, VA
Tier 3 DC, MD, MT, NJ
2:1
Rates, pricing, price adjustments and rate adjustments are subject to change without notice. If a discrepancy occurs, the person submitting the lock request will be contacted for approval of the new
adjusted price or rate before proceeding with the lock in. For internal use by Bluepoint Mortgage only.
Not for distribution to the general public.
Max Prices and Price Adjustments Misc Notes
$2,000,001 - $3,000,000 No Cashout TX
(0.50)
1.50
Loan Term Rate Adj Term Program Restrictions
Fixed Terms
5/1 LIBOR ARM
7/1 LIBOR ARM
24 Months 0.250 0.250 N/A
12 Months 0.500 0.500 N/A
48 Months 0.000 (0.050) N/A
36 Months 0.000 0.000 N/A
Prepayment Penalty Period ( Investor Only ) <= 55 60.01 - 65 80.01 - 85
60 Months 0.000 (0.050) N/A
Amortization <= 55 60.01 - 65 80.01 - 85
Interest Only 0.000 0.000 0.250
Tier 2 0.000 0.000 0.000
Tier 3 0.100 0.100 0.100
State <= 55 60.01 - 65 80.01 - 85
Tier 1 0.000 0.000 0.000
Condo 0.000 0.150 0.250
Non - Warrantable Condo 0.250 0.250 N/A
Property Type <= 55 60.01 - 65 80.01 - 85
2 - 4 Unit 0.350 0.350 0.600
2nd Home 0.400 0.400 0.500
Investor 0.150 0.150 N/A
Debt Consolidation 0.300 0.300 0.500
Occupancy <= 55 60.01 - 65 80.01 - 85
Rate / Term Refinance 0.000 0.000 0.000
Cash - Out Refinance 0.300 0.300 0.700
$4,000,001 - $5,000,000 1.250 1.250 N/A
Loan Purpose <= 55 60.01 - 65 80.01 - 85
$2,500,001 - $3,000,000 0.400 0.400 N/A
$3,000,001 - $4,000,000 1.000 1.000 N/A
$1,500,001 - $2,000,000 0.200 0.200 0.300
$2,000,001 - $2,500,000 0.300 0.300 0.400
$750,001 - $1,000,000 (0.050) (0.050) (0.050)
$1,000,001 - $1,500,000 0.000 0.000 0.150
$150,000 - $249,000 0.750 0.750 1.000
$250,000 - $750,000 0.000 0.000 0.000
> 50% 0.150 0.150 0.350
Total Loan Amount <= 55 60.01 - 65 80.01 - 85
36.01% - 43% 0.000 0.000 0.000
43.01% - 50% 0.000 0.100 0.250
Asset Utilization / VOE 0.250 0.250 N/A
DTI <= 55 60.01 - 65 80.01 - 85
12 Mo BKST / 12 Mo P&L0.300 0.300 0.900
0.400 0.500 0.900
24 Mo BKST / 24 Mo P&L0.100 0.100 0.600
0.200 0.250 0.600
12 Mo Full Doc / 12 Mo 10990.300 0.350 0.650
0.300 0.350 0.650
660 - 679 4.300% 4.450% 5.850%
Rate Adjustments
Doc Type <= 55 60.01 - 65 80.01 - 85
700 - 719 4.000% 4.150% 4.850%
680 - 699 4.100% 4.300% 5.200%
740 - 759 3.900% 4.000% 4.500%
720 - 739 3.950% 4.050% 4.550%
780+ 3.800% 3.900% 4.350%
760 - 779 3.850% 3.950% 4.400%
Wholesale Rate Sheet
(877) 267-1056
Page 9
Leverage Prime - 660 Minimum FICO, No Mortgage Lates
FICO <= 55 60.01 - 65 80.01 - 85
Effective Date: 3/11/20 9:59 AM
100.00 Rates - 5 / 1 LIBOR ARM55.01 - 60 65.01 - 70 70.01 - 75 75.01 - 80 85.01 - 90
4.350% 4.500% 4.650% 4.900% 5.800%
4.400% 4.600% 4.800% 5.050% 6.150%
4.450% 4.800% 5.050% 5.250% 6.700%
4.600% 4.850% 5.100% 5.450% N/A
4.750% 4.950% 5.300% 5.750% N/A
4.850% 5.550% 5.800% 6.250% N/A
5.400% 5.800% 6.300% 6.800% N/A
5.700% 6.300% 6.650% 7.200% N/A
6.150% 6.700% 7.100% N/A N/A
6.250% 6.800% 7.200% N/A N/A
6.350% 6.900% 7.300% N/A N/A
6.400% 6.950% 7.400% N/A N/A
55.01 - 60 65.01 - 70 70.01 - 75 75.01 - 80 85.01 - 90
0.000 0.000 0.000 0.000 0.000
0.200 0.200 0.200 0.200 N/A
0.400 0.400 0.400 0.400 N/A
1.000 1.000 N/A N/A N/A
55.01 - 60 65.01 - 70 70.01 - 75 75.01 - 80 85.01 - 90
0.300 0.400 0.500 0.600 N/A
0.300 0.400 0.500 0.600 N/A
0.400 0.500 0.700 0.700 N/A
0.200 0.300 0.400 0.400 0.500
0.200 0.300 0.400 0.500 N/A
0.400 0.500 0.700 0.700 N/A
0.500 0.600 0.600 0.600 N/A
0.400 0.600 0.750 0.750 N/A
0.500 0.900 1.000 1.000 N/A
0.500 0.900 1.000 1.000 N/A
0.250 0.250 0.250 0.250 N/A
55.01 - 60 65.01 - 70 70.01 - 75 75.01 - 80 85.01 - 90
43.01% - 50% 0.000 0.150 0.150 0.150 0.25
0.000 0.150 0.150 0.150 0.25
> 50% 0.150 0.150 0.250 0.250 N/A
0.150 0.150 0.250 0.250 N/A
55.01 - 60 65.01 - 70 70.01 - 75 75.01 - 80 85.01 - 90
1.350 1.350 1.500 1.600 N/A
0.750 0.850 0.850 0.850 1.000
0.000 0.000 0.000 0.000 0.000
(0.100) (0.100) (0.100) 0.000 0.000
0.000 0.000 0.000 0.200 0.200
0.200 0.200 0.200 0.300 N/A
0.300 0.300 0.300 0.400 N/A
0.400 0.400 0.400 0.500 N/A
1.100 1.100 N/A N/A N/A
1.350 1.350 N/A N/A N/A
55.01 - 60 65.01 - 70 70.01 - 75 75.01 - 80 85.01 - 90
Cash-Out 0.300 0.400 0.500 0.500 N/A
0.300 0.500 0.600 0.600 N/A
Debt- 0.300 0.400 0.500 0.500 N/A
Consolidation 0.300 0.400 0.500 0.500 N/A
55.01 - 60 65.01 - 70 70.01 - 75 75.01 - 80 85.01 - 90
0.400 0.500 0.500 0.500 N/A
0.150 0.250 0.400 0.600 N/A
55.01 - 60 65.01 - 70 70.01 - 75 75.01 - 80 85.01 - 90
0.250 0.250 0.250 0.250 N/A
0.000 0.000 0.150 0.150 N/A
0.400 0.400 0.400 0.400 N/A
55.01 - 60 65.01 - 70 70.01 - 75 75.01 - 80 85.01 - 90
0.000 0.000 0.000 0.000 0.000
0.000 0.000 0.000 0.000 0.000
0.150 0.150 0.150 0.150 0.200
55.01 - 60 65.01 - 70 70.01 - 75 75.01 - 80 85.01 - 90
0.000 0.150 0.150 0.150 N/A
55.01 - 60 65.01 - 70 70.01 - 75 75.01 - 80 85.01 - 90
(0.100) (0.200) (0.200) (0.200) N/A
(0.100) (0.150) (0.150) (0.150) N/A
0.000 0.000 0.000 0.000 N/A
0.250 0.250 0.250 0.250 N/A
0.500 0.500 0.500 0.500 N/A
Lock Period Price Adj
30 Days 0.000
45 Days 0.150
State Tiers 60 Days 0.300
Tier 1 AL, AR, GA, IN, IA, KY, SC, TN, UT, WA
Tier 2 AZ, CA, CO, DE, FL, IL, MI, MN, NV, OH, OR, PA, TX, VA Misc Notes
Tier 3 DC, MD, MT, NJ No Cashout TX
Loan Amount: <=$2,000,000 > $3,000,000 7 /1 ARM 0.000
Max Price: (1.50) 0.50 15 Yrs 0.000
Min Price: 1.50 1.50 30 Yrs 0.300
Buyup/Buydown: 2:1 2:1 40yr (IO Only) 0.300
Rates, pricing, price adjustments and rate adjustments are subject to change without notice. If a discrepancy occurs, the person submitting the lock request will be contacted for approval of the new
adjusted price or rate before proceeding with the lock in. For internal use by Bluepoint Mortgage only.
Not for distribution to the general public.
5/1 LIBOR ARM1 YR LIBOR - 4.0 %
Margin/Floor - 2/2/5 Caps
1 YR LIBOR - 4.0 %
Margin/Floor - 2/2/5 Caps
1 YR LIBOR - 5.0 %
Margin/Floor - 2/2/5 Caps
1 YR LIBOR - 5.0 %
Margin/Floor - 2/2/5 Caps
7/1 LIBOR ARM1 YR LIBOR - 4.0 %
Margin/Floor - 5/2/5 Caps
1 YR LIBOR - 4.0 %
Margin/Floor - 5/2/5 Caps
1 YR LIBOR - 5.0 %
Margin/Floor - 5/2/5 Caps
1 YR LIBOR - 5.0 %
Margin/Floor - 5/2/5 Caps
Min FICO 500 500 500 500
Fixed Terms 30 Year Fixed & 15 Year Fixed30 Year Fixed & 15 Year
Fixed
30 Year Fixed & 15 Year
Fixed30 Year Fixed & 15 Year Fixed
Foreclosure 24 mo 24 mo 12 mo Settled
Short Sale/DIL 24 mo 24 mo Settled Settled
BK (Chap 13 Discharge) 12 mo Settled Settled Settled
BK (Other) 24 mo 24 mo 12 mo Settled
B B- C
Housing 1x30x12 0x60x12 0x90x12 1x120x12
$2,000,001 - $3,000,000
(0.50)
1.50
2:1
Grade A
12 Months 0.500 0.500 N/A
Max Prices and Price Adjustments Loan Term Rate Adj
36 Months 0.000 0.000 N/A
24 Months 0.250 0.250 N/A
60 Months (0.050) (0.150) N/A
48 Months (0.050) (0.150) N/A
Interest Only 0.000 0.000 0.250
Prepayment Penalty Period ( Investor Only ) <= 55 60.01 - 65 80.01 - 85
Tier 3 0.150 0.150 0.150
Amortization <= 55 60.01 - 65 80.01 - 85
Tier 1 0.000 0.000 0.000
Tier 2 0.000 0.000 0.000
Non - Warrantable Condo 0.400 0.400 N/A
State <= 55 60.01 - 65 80.01 - 85
2 - 4 Unit 0.250 0.250 N/A
Condo 0.000 0.000 N/A
Investor 0.150 0.150 N/A
Property Type <= 55 60.01 - 65 80.01 - 85
Occupancy <= 55 60.01 - 65 80.01 - 85
2nd Home 0.400 0.400 N/A
A Grade 0.300 0.300 0.500
B, B- , C Grades 0.300 0.300 0.500
A Grade 0.300 0.300 0.600
B, B- , C Grades 0.300 0.400 N/A
$4,000,001 - $5,000,000 1.350 1.350 N/A
Loan Purpose <= 55 60.01 - 65 80.01 - 85
$2,500,001 - $3,000,000 0.400 0.400 N/A
$3,000,001 - $4,000,000 1.100 1.100 N/A
$1,500,001 - $2,000,000 0.200 0.200 0.300
$2,000,001 - $2,500,000 0.300 0.300 N/A
$750,001 - $1,000,000 (0.100) (0.100) 0.000
$1,000,001 - $1,500,000 0.000 0.000 0.200
$150,000 - $249,999 0.750 0.750 1.000
$250,000 - $750,000 0.000 0.000 0.000
Total Loan Amount <= 55 60.01 - 65 80.01 - 85
< $150,000 1.350 1.350 N/A
A Grade 0.150 0.150 N/A
B, B- , C Grades 0.150 0.150 N/A
A Grade 0.000 0.100 0.250
B, B- , C Grades 0.000 0.100 0.250
Asset Utilization / VOE 0.250 0.250 N/A
DTI <= 55 60.01 - 65 80.01 - 85
0.500 0.600 1.000
FICO < 680 0.500 0.600 1.000
FICO < 620 0.500 0.500 N/A
12 Mo BKST / 12
Mo P&L
FICO >= 720 0.400 0.400 1.000
FICO 680 - 719
0.300 0.500
FICO 620 - 679 0.300 0.500 0.700
0.400 0.500 0.700
24 Mo BKST / 24
M0 P&L
FICO >= 720 0.200 0.300 0.400
FICO 680 - 719 0.200
12 Mo Full Doc /
12 Mo 1099
FICO >= 720 0.300 0.400 0.600
FICO 680 - 719 0.300 0.400 0.600
FICO < 680
C 1.000 1.000 N/A
Doc Type <= 55 60.01 - 65 80.01 - 85
B 0.200 0.200 0.200
B- 0.400 0.400 0.400
Rate Adjustments
Grade <= 55 60.01 - 65 80.01 - 85
A 0.000 0.000 0.000
520 - 539 6.200% 6.600% N/A
500 - 519 6.300% 6.650% N/A
560 - 579 6.100% 6.300% N/A
540 - 559 6.150% 6.350% N/A
600 - 619 5.350% 5.450% N/A
580 - 599 5.600% 5.800% N/A
640 - 659 4.700% 4.800% 6.400%
620 - 639 4.800% 5.050% 6.800%
680 - 699 4.400% 4.550% 5.950%
660 - 679 4.550% 4.700% 6.300%
720+ 4.300% 4.400% 5.500%
700 - 719 4.350% 4.500% 5.600%
Wholesale Rate Sheet
(877) 267-1056
Page 10
Leverage Lite
FICO <= 55 60.01 - 65 80.01 - 85
Effective Date: 3/11/20 9:59 AM
100.00 Rates - 5 / 1 LIBOR ARM55.01 - 60 65.01 - 70 70.01 - 75 75.01 - 80
4.775% 4.975% 5.275% 6.325%
4.875% 5.125% 5.775% 6.725%
5.025% 5.375% 6.375% 6.925%
5.225% 5.475% 6.625% N/A
5.325% 5.725% 6.925% N/A
5.625% 5.975% 7.125% N/A
6.725% 7.075% N/A N/A
55.01 - 60 65.01 - 70 70.01 - 75 75.01 - 80
(0.150) (0.250) (0.250) (0.250)
0.000 0.000 0.000 0.000
0.150 0.250 0.250 N/A
55.01 - 60 65.01 - 70 70.01 - 75 75.01 - 80
0.100 0.100 0.100 N/A
55.01 - 60 65.01 - 70 70.01 - 75 75.01 - 80
1.500 1.500 N/A N/A
1.000 1.000 1.000 1.000
0.000 0.000 0.000 0.000
0.000 0.000 0.000 0.000
0.000 0.100 0.100 N/A
0.100 0.200 0.200 N/A
0.500 N/A N/A N/A
0.750 N/A N/A N/A
1.000 N/A N/A N/A
55.01 - 60 65.01 - 70 70.01 - 75 75.01 - 80
0.200 0.350 N/A N/A
55.01 - 60 65.01 - 70 70.01 - 75 75.01 - 80
0.250 0.400 N/A N/A
0.150 0.150 N/A N/A
0.250 0.250 N/A N/A
55.01 - 60 65.01 - 70 70.01 - 75 75.01 - 80
0.000 (0.100) (0.100) (0.100)
0.000 0.000 0.000 0.000
0.150 0.150 0.250 0.250
55.01 - 60 65.01 - 70 70.01 - 75 75.01 - 80
0.250 0.250 0.250 N/A
55.01 - 60 65.01 - 70 70.01 - 75 75.01 - 80
(0.100) (0.300) (0.300) (0.400)
(0.100) (0.150) (0.150) (0.150)
0.000 0.000 0.000 0.000
0.350 0.350 0.350 0.350
0.600 0.600 0.600 0.600
Loan Term Rate Adj
3/1 LIBOR 0.00 Prepay Penalty <=$2,000,000$2,000,001 - $3,000,000> $3,000,000
7/1 LIBOR 0.00 >=36 Mo Penalty (2.00) (1.00) 0.00
15 Yr 0.00 24 Mo Penalty (2.00) (1.00) 0.00
30 Yr 0.30 12 Mo Penalty (1.00) 0.00 0.25
No Penalty 0.00 0.50 1.00
Lock Period Price Adj
30 Days 0.000 State Tiers
45 Days 0.150 Tier 1 AL, AR, GA, IN, IA, KY, SC, TN, UT, WA
60 Days 0.300 Tier 2 AZ, CA, CO, DE, FL, IL, MI, MN, NV, OH, OR, PA, TX, VA
Tier 3 DC, MD, MT, NJ
Misc Notes
No Cashout TX3/1 LIBOR ARM: • 12 mo LIBOR • 2/2/5 Caps • Floor = Note Margin • Note Margin: 6%
5/1 LIBOR ARM: • 12 mo LIBOR • 2/2/5 Caps • Floor = Note Margin • Note Margin: 6%
7/1 LIBOR ARM: • 12 mo LIBOR • 5/2/5 Caps • Floor = Note Margin • Note Margin: 6%
BU/BD 2:1
Min Price 1.50 • Housing: 0x30x12 • BK-Chap 13: 12 mo • BK-Other: 36 mo • Foreclosure: 36 mo • Short Sale/DIL: 24 mo
Rates, pricing, price adjustments and rate adjustments are subject to change without notice. If a discrepancy occurs, the person submitting the lock request will be contacted for approval of the new
adjusted price or rate before proceeding with the lock in. For internal use by Bluepoint Mortgage only.
Not for distribution to the general public.
Max Prices and Price Adjustments
ARMs
Eligibility
24 Months 0.350 0.350
12 Months 0.600 0.600
48 Months (0.100) (0.150)
36 Months 0.000 0.000
Penalty Term <= 55 60.01 - 65
60 Months (0.100) (0.200)
Amortization <= 55 60.01 - 65
Interest Only 0.250 0.250
Tier 2 0.000 0.000
Tier 3 0.150 0.150
State <= 55 60.01 - 65
Tier 1 0.000 (0.100)
Condo 0.150 0.150
Non - Warrantable Condo 0.250 0.250
Property Type <= 55 60.01 - 65
2 - 4 Unit 0.250 0.250
Loan Purpose <= 55 60.01 - 65
Cash-Out 0.200 0.250
$3,000,001 - $4,000,000 0.750 N/A
$4,000,001 - $5,000,000 1.000 N/A
$1,500,001 - $2,000,000 0.100 0.100
$2,000,001 - $3,000,000 0.500 0.500
$750,001 - $1,000,000 0.000 0.000
$1,000,001 - $1,500,000 0.000 0.000
$100,000 - $249,999 1.000 1.000
$250,000 - $750,000 0.000 0.000
Total Loan Amount <= 55 60.01 - 65
< $ 100,000 1.500 1.500
Reserves <= 55 60.01 - 65
< 2 Months 0.100 0.100
1.00 - 1.24 0.000 0.000
< 1.00 0.150 0.200
Rate Adjustments
DSCR <= 55 60.01 - 65
> = 1.25 (0.150) (0.250)
640 - 659 5.375% 5.775%
620 - 639 6.475% 6.875%
680 - 699 5.075% 5.275%
660 - 679 5.275% 5.375%
720 - 739 4.675% 4.975%
700 - 719 4.975% 5.075%
Leverage Investor DSCR
36 Mo Prepayment PenaltyFICO <= 55 60.01 - 65
740+ 4.575% 4.875%
Effective Date: 3/11/20 9:59 AM
Wholesale Rate Sheet
(877) 267-1056
Page 11
100.00 Rates - 12 Mo IO Balloon60.01 - 65 70.01 - 75 75.00 - 80
5.950% 6.825% 7.450%
6.075% 6.950% 7.575%
6.325% 7.325% 7.950%
6.700% 8.075% NA
60.01 - 65 70.01 - 75 75.00 - 80
-0.250 -0.250 -0.250
0.000 0.000 0.000
0.125 0.375 NA
0.250 0.750 NA
60.01 - 65 70.01 - 75 75.00 - 80
0.500 0.750 -0.250
0.000 0.000 0.000
0.000 0.125 NA
0.375 NA NA
NA NA NA
60.01 - 65 70.01 - 75 75.00 - 80
0.125 NA NA
0.250 NA NA
60.01 - 65 70.01 - 75 75.00 - 80
0.125 0.375 NA
0.250 NA NA
0.125 0.375 0.375
60.01 - 65 70.01 - 75 75.00 - 80
-0.125 -0.250 -0.375
-0.125 -0.125 -0.125
0.000 0.000 0.375
0.000 0.250 0.375
State Tiers Lock Period Price Adj
Tier 1 AL, AR, GA, IN, IA, KY, SC, TN, UT, WA 30 Days 0.000
Tier 2 AZ, CA, CO, DE, FL, IL, MI, MN, NV, OH, OR, PA, TX, VA 45 Days 0.150
Tier 3 DC, MD, MT, NJ 60 Days 0.300
• Housing: 0x30x12 • BK-Chap 13: 12 mo • BK-Other: 36 mo • Foreclosure: 36 mo • Short Sale/DIL: 24 mo
Eligibility
Rates, pricing, price adjustments and rate adjustments are subject to change without notice. If a discrepancy occurs, the person submitting the lock request will be contacted for approval of the new
adjusted price or rate before proceeding with the lock in. For internal use by Bluepoint Mortgage only.
Not for distribution to the general public.
Tier 2 0.000 0.000
Tier 3 0.000 0.125
CA & TX 0.000 -0.125
Tier 1 0.000 -0.125
2 - 4 Unit 0.000 0.250
State <= 60 65.01 - 70
Condo 0.000 0.250
Non - Warrantable Condo 0.125 0.500
Cash Out Refinance 0.125 0.750
Property Type <= 60 65.01 - 70
Purpose <= 60 65.01 - 70
Rate & Term Refinance 0.000 0.250
$2,000,001 - $3,000,000 0.250 NA
$3,000,001 - $4,000,000 0.500 NA
$100,000 - $1,000,000 0.000 0.000
$1,000,001 - $2,000,000 0.000 0.000
Loan Balance <= 60 65.01 - 70
< $100,000 0.250 0.750
1.00 - 1.24 0.000 0.250
< 1.0 0.000 0.375
>= 1.5 -0.250 -0.250
1.25 - 1.49 0.000 0.000
620 - 659 6.200% 7.075%
Rate Adjustments
DSCR <= 60 65.01 - 70
700 - 739 5.575% 6.325%
660 - 699 5.950% 6.575%
Leverage Investor Short Term DSCR
Prepayment Penalty Not EligibleFICO <= 60 65.01 - 70
740+ 5.450% 6.200%
Effective Date: 3/11/20 9:59 AM
Wholesale Rate Sheet
(877) 267-1056
Page 12