National Wholesale Rate Sheet

Effective Fri 06/04/2021 9:22 AM EST

National Wholesale Rate Sheet

AL, AR, DC, DE, HI, IA, IN, KS, KY, LA, MI, MN, MO, MS, NC, ND, NE, OH, OK, SC, SD, TN, WI, WV

Improved pricing on loan amounts from $300,000 to the conforming limit! Purchase Special available on Conventional & Government! Government FICOs down to 580! Smart Series Non-QM & Jumbo Series are Back!

PRODUCT HIGHLIGHTS

Please Note: Rate Sheets are provided for pricing purposes only and do not necessarily reflect product eligibility or availability. Please refer to the Product Guidelines located in the NPF Lending Library in order to determine product eligibility and/or availability for a given loan scenario.

MARKET MOVEMENTS

Rate

Today's Price Pricing Change

Conventional 30yr Fixed

3.125

(3.051)

(0.042)

3.000

(2.585)

(0.028)

Conventional 15yr Fixed

2.500

(3.001)

0.036

2.375

(2.546)

0.006

Conforming 5-6 SOFR ARM (2-1-5)

3.000

(3.547)

0.012

2.875

(3.240)

0.011

**Market movement is a result of 30-day current pricing

compared to the most recent rate sheet released.**

Bracketed Pricing Changes and green arrows indicate improved pricing.

Rate

Today's Price

Pricing Change

FHA 30yr Fixed

2.750

(2.962)

(0.010)

2.625

(2.534)

(0.010)

VA 30yr Fixed

2.875

(3.254)

(0.041)

2.750

(2.872)

(0.010)

TABLE OF CONTENTS

Page 2 Page 3 Page 4 Page 5 Page 6 Page 7 Page 8 Page 9 Page 10 Page 11 Page 12 Page 13 Page 14

FHA, VA, & USDA - Fixed, ARM, and Jumbo Fannie Mae - Fixed Conforming and High Balance Products Freddie Mac - Fixed Conforming and Super Conforming Products Fannie Mae - HomeReadyTM Fixed and ARM Products Fannie Mae - HomeReadyTM High Balance Fixed and ARM Products Freddie Mac - Home Possible Fixed and ARM Products Fannie Mae - ARM Conforming and High Balance Products Freddie Mac - ARM Conforming and Super Conforming Products Smart Series - Non-QM Products Dream Big Jumbo Jumbo Series D Jumbo Series I State Adjustments

LOCK POLICIES

Hours: Price release ? 6:59 AM EST on the following business day Pricing on-line: In order to lock prior to loan submission, 3.2 file must be uploaded via our website, In order to remain locked, a full file must be submitted within 10 days for a 30-day lock, 15 days for a 45-day lock, or 20 days for a 60-day lock or greater.

Lock Extension Info

Expiration Dates

1st-3rd Extension - 2 bps/day

7 Day Extension

4th Extension or more - 4 bps/day 15 Day Lock/Extension

Extended loans cannot expire on a 30 Day Lock/Extension

weekend or holiday.

45 Day Lock/Extension

Max number of days to extend is 45 60 Day Lock

days per request.

90 Day Lock

6/11/2021 6/21/2021 7/5/2021 7/19/2021 8/3/2021 9/2/2021

Relock Policy

Pricing is based on worst case pricing: current market vs locked less a relock fee.

15 Day Cost < 3 Prior Ext

0.300

3 Prior Ext.

0.600

30 Day Cost < 3 Prior Ext

0.600

3 Prior Ext.

1.200

45 Day Cost < 3 Prior Ext

0.900

3 Prior Ext.

1.800

If the market has improved by more than 50 bps and the loan is closing within

15 days, the relock fee will be waived on 15 day relocks only. (Other restrictions may apply.)

GENERAL INFORMATION

Fee Info Lender Fees - Conforming, Government & Jumbo Lender Fees - Smart Series Lender Fees - FHA Streamline & VA IRRRL

$995 $1,295

$495

Desk Review - LA $1MM-$1.5MM Desk Review - Transferred Appraisal Risk Report - Transferred Appraisal TX Attorney Fee Flood Fee (excluded from No Lender Fee Calculation) Tax Service Fee (excluded from No Lender Fee Calculation)

**Lender fees must be included in block one of the initial LE.

$200 $200

$25 $125

$6 $80

1 Unit 2 Unit 3 Unit 4 Unit

Agency Loan Limits

Mortgagee Clause (Wholesale) NewRez LLC ISAOA ATIMA PO Box 7050 TROY, MI 48007-7050

$548,250 $702,000 $848,500 $1,054,500

CORPORATE CONTACTS

NewRez

(888) 988-1695

NewRezWholesale@

Fax

(484) 594-1998

Website



Lock Desk

LockRequest@

* Rates are subject to change without notice

**Additional products, not on the rate sheet, are available through the portal. Contact your Relationship Manager for more details.

Page 1

National Wholesale Rate Sheet

FHA 30 Yr Fixed

4.500 4.375 4.250 4.125 4.000 3.875 3.750 3.625 3.500 3.375 3.250 3.125 3.000 2.990 2.875 2.750 2.625 2.500 2.375 2.250 2.125 2.000 1.990 1.875 1.750

15 Day (6.377) (6.024) (6.148) (5.795) (5.430) (5.052) (5.661) (5.283) (4.893) (4.490) (4.726) (4.323) (3.907) (3.893) (3.479) (3.089) (2.661) (2.221) (1.768) (1.302) 0.281 0.753 0.782 1.225 1.697

30 Day (6.356) (6.003) (6.102) (5.749) (5.384) (5.006) (5.559) (5.181) (4.790) (4.387) (4.591) (4.188) (3.772) (3.758) (3.344) (2.962) (2.534) (2.094) (1.641) (1.175) 0.812 1.284 1.313 1.756 2.228

45 Day (6.364) (6.011) (6.086) (5.733) (5.367) (4.989) (5.486) (5.108) (4.717) (4.314) (4.486) (4.083) (3.667) (3.653) (3.239) (2.865) (2.437) (1.997) (1.544) (1.078) 1.314 1.785 1.814 2.257 2.729

60 Day (6.272) (5.919) (5.970) (5.617) (5.251) (4.873) (5.313) (4.935) (4.545) (4.142) (4.281) (3.878) (3.462) (3.448) (3.034) (2.668) (2.240) (1.800) (1.347) (0.881) 1.915 2.386 2.415 2.858 3.330

FHA 15 Yr Fixed

3.750 3.625 3.500 3.375 3.250 3.125 3.000 2.875 2.750 2.625 2.500 2.375 2.250 2.125 2.000 1.875 1.750

15 Day (3.358) (3.326) (3.298) (3.277) (3.255) (2.573) (2.559) (2.528) (2.478) (1.331) (1.279) (1.211) (1.127) 0.599 0.682 0.782 0.899

30 Day (3.247) (3.216) (3.187) (3.166) (3.145) (2.503) (2.489) (2.457) (2.408) (1.228) (1.176) (1.109) (1.025) 0.710 0.793 0.892 1.010

45 Day (3.166) (3.135) (3.106) (3.085) (3.064) (2.463) (2.448) (2.417) (2.368) (1.155) (1.103) (1.036) (0.952) 0.791 0.873 0.973 1.091

60 Day (2.985) (2.954) (2.926) (2.904) (2.883) (2.322) (2.308) (2.276) (2.227) (0.983) (0.931) (0.863) (0.779) 0.972 1.054 1.154 1.272

VA High Balance 30 Yr Fixed

3.500 3.375 3.250 3.125 3.000 2.990 2.875 2.750 2.625 2.500 2.375 2.250 2.125 2.000 1.990 1.875 1.750

15 Day (3.663) (3.260) (3.558) (3.155) (2.740) (2.726) (2.312) (1.859) (1.556) (1.116) (0.663) (0.197) 1.417 1.889 1.918 2.361 2.833

30 Day (3.560) (3.157) (3.423) (3.020) (2.605) (2.591) (2.177) (1.732) (1.429) (0.989) (0.536) (0.070) 1.948 2.420 2.449 2.892 3.364

45 Day (3.487) (3.084) (3.318) (2.915) (2.499) (2.485) (2.071) (1.635) (1.332) (0.892) (0.439) 0.027 2.450 2.921 2.950 3.393 3.865

60 Day (3.315) (2.912) (3.113) (2.710) (2.294) (2.280) (1.866) (1.438) (1.135) (0.695) (0.242) 0.224 3.051 3.522 3.551 3.994 4.466

FHA 5-1 ARM High Balance (1-1-5 Caps)

4.125 4.000 3.875 3.750 3.625 3.500 3.375 3.250 3.125

15 Day (3.447) (3.405) (3.364) (3.322) (3.008) (2.903) (2.798) (2.693) (2.377)

30 Day (3.297) (3.255) (3.214) (3.172) (2.858) (2.753) (2.648) (2.543) (2.227)

45 Day (3.147) (3.105) (3.064) (3.022) (2.708) (2.603) (2.498) (2.393) (2.077)

60 Day (2.997) (2.955) (2.914) (2.872) (2.558) (2.453) (2.348) (2.243) (1.927)

3.000 2.875 2.750

(2.271) (2.166) (2.060)

(2.121) (2.016) (1.910)

(1.971) (1.866) (1.760)

(1.821) (1.716) (1.610)

Credit Score

Loan Size Adjustments

Loan Size Adjustments for VA BPC Loans

(In addition to standard adjustments)

< 560 560-579 580-599 600-619 620-639 640-659 660-679 680-719 720-759

760

Loan Amount 45 85.01 - 90

90.01 - 95 95.01 - 97

20 Yr Term

85 85.01 - 90 90.01 - 95 95.01 - 97

< 620 NA NA NA NA NA NA NA NA

NA NA NA NA

620 - 639 1.000 1.300 1.230 2.630 0.490 1.250 1.530 1.820

640 - 659 0.950 1.300 1.230 2.630 0.440 1.010 1.270 1.600

660 - 679 0.950 1.300 1.230 2.630 0.420 0.890 1.120 1.420

680 - 699 0.650 1.000 0.700 1.750 0.380 0.750 1.000 1.240

0.580 1.810 4.090 6.290

0.510 1.650 3.690 5.720

0.480 1.510 3.350 5.260

0.390 1.150 2.550 3.920

700 - 719 0.400 1.000 0.700 1.750 0.300 0.620 0.720 1.060

0.360 0.950 2.020 3.120

720 - 739 0.300 0.700 0.490 1.330 0.220 0.500 0.570 0.760

0.360 0.850 1.760 2.650

740 - 759 0.200 0.500 0.250 1.190 0.170 0.390 0.440 0.620

0.360 0.680 1.390 2.060

760-779 0.120 0.500 0.250 1.190 0.110 0.280 0.350 0.380

0.360 0.520 0.950 1.390

780-799 0.110 0.500 0.250 1.190 0.110 0.280 0.350 0.380

0.360 0.470 0.840 1.310

800 0.100 0.500 0.250 1.190 0.110 0.280 0.350 0.380

0.360 0.470 0.810 1.300

> 20 Yr Term

Subordinate Financing Excludes Community Seconds?

Misc Adjusters

Non Owner Occupied

85

NA

85.01 - 90

NA

90.01 - 95

NA

95.01 - 97

NA

1.430 3.840 5.080 6.550

1.340 3.510 4.580 5.980

LTV

CLTV

< 720

65

80.01 - 95

0.500

65.01-75

80.01 - 95

0.750

75.01-95

90.01 - 95

1.000

75.01-90

76.01 - 90

1.000

95

95.01 - 97

1.500

ALL

ALL

0.375

2-4 Units

Manufactured Home

Attached Condo > 75 LTV (>15yr Term)

Escrow Waiver (Full or Taxes Only)

Escrow Waiver (Insurance Only)

Second Home > 85

80

Additional Investment Property Adjustments (applicable to terms > 20 yrs)

80

660-679 1.000 1.000 1.000 1.000 1.000

680-699 0.750 0.750 0.750 0.750 1.000

700-719 0.750 0.750 0.750 0.750 1.000

720-739 0.750 0.750 0.750 0.750 1.000

>=740 0.750 0.750 0.750 0.750 1.000

1.210 3.310 4.210 5.520

720 0.250 0.500 0.750 0.750 1.500 0.375 1.000 1.000 0.750 0.250 0.000 0.250 2.125 3.375 4.125

0.900 2.400 3.180 4.110

0.770 1.970 2.570 3.310

0.670 1.640 2.170 2.770

0.570 1.340 1.740 2.170

0.470 0.940 1.240 1.510

0.470 0.830 1.030 1.330

0.470 0.790 0.960 1.310

Loan Amount

Purchase

$125,000)

90 Day Lock (FRM Only)

Refinance 1.500 0.500 0.250 0.000 0.000 (0.375) (0.375) (0.375) (0.375) 0.000 0.250 1.000 0.500 0.500

Purchase Special

(0.250)

Second Home Investment Property (applicable to terms 20 Yr Term Number Of Units Subordinate Financing

Misc Adjusters Non Owner Occupied

85

NA

85.01 - 90

NA

90.01 - 95

NA

95.01 - 97

NA

1.430 3.840 5.080 6.550

1.340 3.510 4.580 5.980

LTV 2 Units

80 1.000

80.01 - 85 1.000

3-4 units

1.000

1.500

LTV

CLTV

< 720

75

80

0.375

65

80.01 - 95

0.875

65.01-75

80.01 - 95

1.125

75.01-95

76.01-95

1.375

Attached Condo > 75 LTV (>15yr Term)

Escrow Waiver (Full or Taxes Only)

Escrow Waiver (Insurance Only)

Manufactured Home (High Bal - Not Permitted)

Second Home > 85 LTV

80

Additional Investment Property Adjustments (applicable to terms > 20 yrs)

80

660-679 1.000 1.000 1.000 1.000 1.000

680-699 0.750 0.750 0.750 0.750 1.000

700-719 0.750 0.750 0.750 0.750 1.000

720-739 0.750 0.750 0.750 0.750 1.000

>=740 0.750 0.750 0.750 0.750 1.000

1.210 3.310 4.210 5.520

> 85 1.000 2.000 720 0.375 0.625 0.875 1.125 0.750 0.250 0.000 1.000 0.250 2.125 3.375 4.125

0.900 2.400 3.180 4.110

0.770 1.970 2.570 3.310

0.670 1.640 2.170 2.770

0.570 1.340 1.740 2.170

0.470 0.940 1.240 1.510

0.470 0.830 1.030 1.330

0.470 0.790 0.960 1.310

Loan Amount

Purchase

$125,000)

90 Day Lock (FRM Only)

Refinance 1.500 0.500 0.250 0.000 0.000 (0.375) (0.375) (0.375) (0.375) 0.000 0.250 1.000 0.500 0.500

Purchase Special

(0.250)

Second Home Investment Property (applicable to terms 20 Yr 85.01 - 90

NA

Term

90.01 - 95

NA

95.01 - 97

NA

1.430 3.840 4.340 4.980

1.340 3.510 3.940 4.510

1.210 3.310 3.610 4.110

0.900 2.400 2.740 3.070

0.770 1.970 2.210 2.470

Subordinate Financing Excludes Community Seconds?

Misc Adjusters

LTV

CLTV

< 720

65

80.01 - 95

0.500

65.01-75

80.01 - 95

0.750

75.01-95

90.01 - 95

1.000

75.01-90

76.01 - 90

1.000

95

95.01 - 97

1.500

ALL

ALL

0.375

2-4 Units

Attached Condo > 75 LTV (>15yr Term)

Manufactured Home

720 0.250 0.500 0.750 0.750 1.500 0.375 1.000 0.750 0.500

Loan Size Adjusters

Adjustment Caps

0.000 1.500 1.500

FICO 680 < 680

All

LTV > 80% > 80% 80%

3.500 3.375 3.250 3.125 3.000 2.990 2.875 2.750 2.625 2.500 2.375

15 Day (3.294) (3.093) (2.893) (2.692) (2.854) (2.824) (2.601) (2.367) (2.109) (1.757) (1.407)

30 Day (3.186) (2.990) (2.793) (2.597) (2.782) (2.752) (2.529) (2.294) (2.036) (1.685) (1.335)

45 Day (3.096) (2.905) (2.714) (2.522) (2.735) (2.705) (2.482) (2.248) (1.990) (1.639) (1.289)

680 - 699 0.000 0.500 1.250 1.750 1.500 1.250 1.250 1.500

NA NA NA

700 - 719 0.000 0.500 1.000 1.250 1.000 1.000 1.000 1.500

NA NA NA

720 - 739 0.000 0.250 0.500 0.750 0.500 0.500 0.500 1.000

NA NA NA

740 - 759 0.000 0.250 0.250 0.500 0.250 0.250 0.250 0.750

NA NA NA

720 - 739 0.300 0.700 0.220 0.500 0.570 0.760

740 - 759 0.200 0.500 0.170 0.390 0.440 0.620

760-779 0.120 0.500 0.110 0.280 0.350 0.380

780-799 0.110 0.500 0.110 0.280 0.350 0.380

0.360 0.850 1.760 1.980

0.360 0.680 1.390 1.550

0.360 0.520 0.950 1.050

0.360 0.470 0.840 1.050

0.670 1.640 1.870 2.100

0.570 1.340 1.510 1.670

0.470 0.940 1.070 1.170

0.470 0.830 0.900 1.110

Adjustments Applied after Cap

Loan Amount 20 Yr Term

Subordinate Financing Excludes Community Seconds?

Misc Adjusters

85

NA

85.01 - 90

NA

90.01 - 95

NA

95.01 - 97

NA

1.430 3.840 4.340 4.980

1.340 3.510 3.940 4.510

LTV

CLTV

< 720

65 65.01-75

80.01 - 95 80.01 - 95

0.500 0.750

75.01-95

90.01 - 95

1.000

75.01-90

76.01 - 90

1.000

95

95.01 - 97

1.500

ALL

ALL

0.375

2-4 Units

Attached Condo > 75 LTV (>15yr Term)

Manufactured Home

High Balance Loan Adjustment - Fixed

High Balance Loan Adjustment - ARM LTV 75

High Balance Loan Adjustment - ARM LTV > 75

Adjustment Caps

0.000 1.500 1.500

FICO 680 < 680

All

1.210 3.310 3.610 4.110

720 0.250 0.500 0.750 0.750 1.500 0.375 1.000 0.750 0.500 0.250 1.000 1.750

LTV > 80% > 80% 80%

0.900 2.400 2.740 3.070

0.770 1.970 2.210 2.470

Loan Size Adjusters

0.670 1.640 1.870 2.100

0.570 1.340 1.510 1.670

0.470 0.940 1.070 1.170

0.470 0.830 0.900 1.110

Adjustments Applied after Cap

Loan Amount ................
................

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