1. Healthcare

2/5/2015 7:02 AM
Page 1 of 8
Sac Wholesale Rates
To sign up for daily rate sheets
APOR Calculator: http://www.ffiec.gov/ratespread/newcalc.aspx
Lock Expiration Dates
Regional & Operations Managers
Northern Cal Regional Manager
Jeanine Thomas
Operations Manager:
[email protected]
Dianne Watters
Northern CA Sales Manager
Robin Ylitalo 916-705-8751
Northen CA Sales Manager
[email protected]
Leo Whitton 916-804-4768
[email protected]
15 days expires on
30 days expires on
45 days expires on
60 days expires on
CLICK HERE
(Allowed if CTC)
02/20/15
03/09/15
03/23/15
04/06/15
Reduced fee*
0.125
0.250
0.375
*Must be requested at least 3 business days prior to expiration
[email protected]
5 days
10 days (ALL PTDs must be signed off)
15 days (ALL PTDs must be received)
Mortgage Clause
0.175
0.300
0.550
General Info
www.PlazaHomeMortgage.com
Phone: (916) 353-4800
Toll Free: (888)-512-7863
PLAZA HOME MORTGAGE, INC.
ITS SUCCESSORS AND/OR ASSIGNS
4820 EASTGATE MALL, SUITE 100
SAN DIEGO, CA 92121
Lock Desk (800) 277-3395
Lock Desk Closes at 4:00 PM PST
Sacramento Fullfillment Center
400 Plaza Drive, #140
Folsom, CA 95630
916-353-4800
(888)512-7863 Toll Free
FHA ID#:
1710100206
VA ID#:
9065310000
Lock Policies
Fees
Underwriting Fee
Streamline Refinance
Redraw (if applicable)
Partial redraw
$945
$595
$150
$75
All prelocks require an electronic submission within 5 business days, with the full
loan package to be delivered to Plaza within 5 calendar days or the lock will be
automatically canceled. If the day falls on a weekend or holiday, it will be canceled
on the next business day.
Admin-Buyout-Calculator
Loan must be clear to close for 15 day locks
Indices
Prime
1 Mo Libor
3 Mo Libor
6 Mo Libor
12 Mo Libor
12 Mo Treasury
APOR Tables :
County
Sac/Placer/Eldorado
Fresno
Humbolt
Yuba
Solano
San Luis Obispo
Marin
Nevada
Santa Barbara
3.25000
0.15425
0.23285
0.33150
0.56410
0.1315
http://www.ffiec.gov/ratespread/aportables.htm
FHA High Balance
1 Unit
2 Unit
3 Unit
4 Unit
$474,950
$608,000
$734,950
$913,350
$417,000
$533,850
$645,300
$801,950
$417,000
$533,850
$645,300
$801,950
$417,000
$533,850
$645,300
$801,950
$417,000
$533,850
$645,300
$801,950
$561,200
$718,450
$868,400
$1,079,250
$625,500
$800,775
$967,950
$1,202,925
$477,250
$610,950
$738,500
$917,800
$625,500
$800,775
$967,950
$1,202,925
Link to Additional County Limits
FHA Standard Loan Amounts
1 Unit
2 Unit
3 Unit
4 Unit
417,000
533,850
645,300
801,950
Click here for detailed lock policies
5 Day Free Lock Extention
· Only available if requested within the original lock term
· Must be requested at the lock desk within 7 calendar days of orignal lock expiration
· Subsequent extensions will be subject to regular extension fees
· Relocks and Jumbos are not eligible
· Eligible for purchase and refinance transactions
No admin feee on VA Loans!
* 100% financing allowed to county limit
(Jumbo pricing and guides apply to loans over $417,000)
* No minimum reserves required on conforming loans
* Ficos to 620 on purchase and refi for conforming limits
* Manual u/w with compensating factors on conforming with back end up to 50%
* VA IRRRL no Appraisal Required
* VA Cash out refi structured as r/t to 100% ltv (<=500 cash out to borr.)
loan amounts up to $1,094,625 VAJUMBO30
* Back end ratio per DU/LP conforming & Jumbo loans to 60% DTI
* Remaining entitlement allowed
* BK, Foreclosure and short sale seasoning 2 years for conforming loan limits
VA High Balance
Link to all state Jumbo County Loan Limits:
Conforming Maximum Loan Amounts
2 Unit
3 Unit
4 Unit
http://go.usa.gov/Z4rP
Plaza Does Reverse Mortgages
Use a Reverse Mortgage as a Financial Tool
533,850
645,300
801,950
Link to Loan Limits
Programs
Did you know that about 50%1 of baby boomers have no retirement savings?
There is hope, though, since about 80%1 of baby boomers have substantial equity in
their homes.
With a reverse mortgage, seniors can leverage the equity in their homes to pay off an
existing mortgage while keeping the rest of the funds in a line of credit that actually
grows in value.
Page
Conforming Fixed Rates & High Balance
2
Home Path, Home Possible, My Community
3
Conforming ARMS
4
HARP Refi Plus & LP Relif
5
FHA, FHA HB, FHA 203k, FHA EEM, USDA
6
The credit line growth rate feature allows funds on the credit line to grow at the same rate VA, VA High Balance, IRRRLS, VA EEM
7
as the interest being charged regardless of the homeowner’s equity position.
Elite Jumbo
8
Ask your Plaza AE about our non branded marketing material for this program
1.
A Profile of Housing and Health Among Older Americans. Research Institute for Housing America November 2013.
Community Enrichment Program
Plaza now offers a Community Enrichment Program for O/O purchases. The program allows the borrower to receive enhanced
pricing on conventional, VA, USDA, & VA products.
Contact your AE Today for more details!!
This information is for the use of approved mortgage lenders only and is not intended for distribution to consumers. This is not an advertisement to extend customer credit as defined by part 226.2 of Regulation Z. Interest rate, program terms and conditions are subject to change without notice. Not all products are available in all states and for all loan amounts. Other restrictions and limitations may apply. Granting of loan is subject to the credit and policy requirements of Plaza Home Mortgage,
Inc.
2/5/2015 7:02 AM
Page 2 of 8
Conforming Agency Fixed Rates
30 Yr Fixed CF300
Rate
4.125
4.000
3.875
3.750
3.625
3.500
3.375
3.250
15 Day
(3.980)
(3.437)
(3.027)
(2.329)
(1.599)
(0.542)
0.274
0.959
Rate
4.125
4.000
3.875
3.750
3.625
3.500
3.375
3.250
15 Day
(3.980)
(3.437)
(2.865)
(2.310)
(1.474)
(0.542)
0.274
0.959
30 Day
(3.805)
(3.262)
(2.852)
(2.154)
(1.424)
(0.367)
0.449
1.134
20 Yr Fixed CF200 - DU or LP
45 Day
(3.630)
(3.087)
(2.677)
(1.979)
(1.249)
(0.192)
0.624
1.309
60 Day
(3.455)
(2.912)
(2.502)
(1.804)
(1.074)
(0.017)
0.799
1.484
Rate
4.125
4.000
3.875
3.750
3.625
3.500
3.375
3.250
15 Day
(3.851)
(3.438)
(3.106)
(2.602)
(1.898)
(1.118)
(0.320)
0.482
60 Day
(3.455)
(2.912)
(2.340)
(1.785)
(0.949)
(0.017)
0.799
1.484
Rate
3.750
3.625
3.500
3.375
3.250
3.125
3.000
2.875
15 Day
(4.444)
(4.254)
(3.921)
(3.428)
(2.996)
(2.601)
(2.039)
(1.281)
30 Yr Fixed Retained RCF30 - DU Only
30 Day
(3.805)
(3.262)
(2.690)
(2.135)
(1.299)
(0.367)
0.449
1.134
30 Day
(3.676)
(3.263)
(2.931)
(2.427)
(1.723)
(0.943)
(0.145)
0.657
10 Yr Fixed CF100 - DU or LP
15 Day
(4.444)
(4.254)
(3.921)
(3.428)
(2.996)
(2.601)
(2.039)
(1.281)
30 Day
(4.269)
(4.079)
(3.746)
(3.253)
(2.821)
(2.426)
(1.864)
(1.106)
60 Day
(3.919)
(3.729)
(3.396)
(2.903)
(2.471)
(2.076)
(1.514)
(0.756)
Rate
4.375
4.250
4.125
4.000
3.875
3.750
3.625
15 Yr Fixed Retained RCF15 - DU Only
45 Day
(3.630)
(3.087)
(2.515)
(1.960)
(1.124)
(0.192)
0.624
1.309
30 Day
(4.269)
(4.079)
(3.746)
(3.253)
(2.821)
(2.426)
(1.864)
(1.106)
30 Yr Fixed HIGH BALANCE CF300HB - DU Only
Rate
4.250
4.125
4.000
3.875
3.750
3.625
3.500
3.375
15 Yr Fixed CF150- DU or LP
Rate
3.750
3.625
3.500
3.375
3.250
3.125
3.000
2.875
15 Day
(3.522)
(2.855)
(2.312)
(1.902)
(1.204)
(0.474)
0.583
1.399
30 Day
(3.347)
(2.680)
(2.137)
(1.727)
(1.029)
(0.299)
0.758
1.574
45 Day
(3.172)
(2.505)
(1.962)
(1.552)
(0.854)
(0.124)
0.933
1.749
Rate
3.250
3.125
3.000
2.875
2.750
2.625
2.500
15 Day
(2.810)
(2.387)
(1.908)
(1.329)
(0.752)
(0.169)
0.665
30 Day
(2.635)
(2.212)
(1.733)
(1.154)
(0.577)
0.006
0.840
30 Yr Fixed Retained HB RCF300HB - DU Only
45 Day
(4.094)
(3.904)
(3.571)
(3.078)
(2.646)
(2.251)
(1.689)
(0.931)
15 Day
(2.798)
(2.470)
(2.046)
(1.612)
(1.150)
(0.704)
0.154
30 Day
(2.623)
(2.295)
(1.871)
(1.437)
(0.975)
(0.529)
0.329
45 Day
(2.448)
(2.120)
(1.696)
(1.262)
(0.800)
(0.354)
0.504
15 Yr Fixed HIGH BALANCE CF150HB - DU Only
Rate
4.000
3.875
3.750
3.625
3.500
3.375
3.250
3.125
15 Day
(4.170)
(3.979)
(3.819)
(3.629)
(3.296)
(2.803)
(2.371)
(1.976)
30 Day
(3.995)
(3.804)
(3.644)
(3.454)
(3.121)
(2.628)
(2.196)
(1.801)
45 Day
(3.820)
(3.629)
(3.469)
(3.279)
(2.946)
(2.453)
(2.021)
(1.626)
Freddie Programs
30 Yr Fixed Super Conforming CF300SC - LP Only
Rate
4.500
4.375
4.250
4.125
4.000
3.875
15 Day
(3.751)
(4.027)
(3.522)
(2.767)
(1.986)
(1.777)
30 Day
(3.576)
(3.852)
(3.347)
(2.592)
(1.811)
(1.602)
15 Yr Fixed Super Conforming CF150SC -LP Only
Rate
4.250
4.125
4.000
3.875
3.750
15 Day
(4.266)
(3.854)
(3.387)
(3.572)
(3.163)
30 Day
(4.091)
(3.679)
(3.212)
(3.397)
(2.988)
30 Yr Fixed Retained RCF30 - Freddie
Rate
4.375
4.250
4.125
4.000
3.875
3.750
3.625
3.500
15 Day
(5.109)
(4.642)
(4.095)
(3.361)
(2.800)
(2.271)
(1.633)
(0.786)
15 Yr Fixed Retained RCF15 - Freddie
30 Day
(4.934)
(4.467)
(3.920)
(3.186)
(2.625)
(2.096)
(1.458)
(0.611)
Rate
3.750
3.625
3.500
3.375
3.250
3.125
3.000
2.875
15 Day
(4.788)
(4.373)
(3.912)
(3.307)
(2.962)
(2.548)
(2.057)
(1.371)
30 Day
(4.613)
(4.198)
(3.737)
(3.132)
(2.787)
(2.373)
(1.882)
(1.196)
Conventional Conforming Adjustments
2 units
3-4 units
Condo LTV > 75% & Loan Term >15yrs; (Excludes Detached Condo w/ DU)
Investment LTV <= 75%
Property:
LTV > 75% - 80%
LTV > 80% - 85%
1.000
1.000
0.750
1.750
3.000
3.750
Loan Amounts
Loan Amount <$140k
Loan Amount <$100k
Loan Amount <$75k
0.125
0.250
0.500
Community Enrichment O/O only
(0.500)
LTV 95.01 - 97
0.500
Subordinate Financing
0.500
0.250
0.750
LTV >65<=75, CLTV/HCLTV >80<=95, FICO >=720
0.500
LTV >75<=95, CLTV/HCLTV >90<=95, FICO <720
1.000
LTV >75<=95, CLTV/HCLTV >90<=95, FICO >=720
0.750
LTV >75<=90, CLTV/HCLTV >76<=90, FICO <720
1.000
LTV >75<=90, CLTV/HCLTV >76<=90, FICO >=720
0.750
LTV <=95, CLTV/HCLTV >95<=97
1.500
MANUFACTURED HOMES are not allowed.
Risk-Based Adjustments
Credit Score
620
640
660
680
700
720
No FICO
or <620
639
659
679
699
719
739
LTV%
<= 60
N/A
0.500
0.500
0.000
0.000
(0.250)
(0.250)
60.01 - 70
N/A
1.500
1.250
1.000
0.500
0.500
0.000
70.01 - 75
N/A
3.000
2.500
2.000
1.250
0.750
0.250
75.01 - 80
N/A
3.000
3.000
2.500
1.750
1.000
0.500
80.01 - 85
N/A
3.250
3.250
2.750
1.500
1.000
0.500
85.01 - 90
N/A
3.250
2.750
2.250
1.250
1.000
0.500
90.01 - 95
N/A
3.250
2.750
2.250
1.250
1.000
0.500
95.01 - 97
N/A
3.250
2.750
2.250
1.250
1.000
0.500
97.01 - 100
N/A
N/A
N/A
N/A
N/A
N/A
N/A
LTV<=65, CLTV/HCLTV >80<=95, FICO <720
LTV<=65, CLTV/HCLTV >80<=95, FICO >=720
LTV >65<=75, CLTV/HCLTV >80<=95, FICO <720
Freddie Super Conforming Adds
Super Conforming ARM - Purch, R/T >75% LTV/CLTV
High Balance / Super Conforming Cash-Out
0.750
1.000
Agency State Adjustments
>= 740
(0.250)
0.000
0.000
0.250
0.250
0.250
0.250
0.250
N/A
Risk-Based Adjustments do not apply to loans with ammortization terms <=180 months, if both LTV <= 95.00 & FICO >= 620.
Use the above matrix for all programs excluding My Community and Home Possible programs.
Cash Out
Credit Score
620
640
660
680
700
720
No FICO
or <620
639
659
679
699
719
739
>= 740
LTV%
<= 60
N/A
0.250
0.250
0.250
0.000
0.000
0.000
0.000
60.01 - 75
N/A
1.250
1.250
0.750
0.750
0.625
0.625
0.250
75.01 - 80
N/A
2.750
2.250
1.500
1.375
0.750
0.750
0.500
80.01 - 85
N/A
3.000
3.000
2.500
2.500
1.500
1.500
0.625
LTV > 85
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Lender Paid Mortgage Insurance (LPMI) Options
Lender-Paid MI 25yr & 30yr (CF300MIR, CF250MIR, CF30HBMIR, CF300SCMI and all ARMs)
MI Coverage
760
740-759
720-739
680-719
660-679
640-659
620-639
LTV
35
2.8
3.08
3.08
3.85
6.84
7.09
7.38
95.01 - 97
30
1.6
1.9
2.23
3.29
4.93
5.12
5.79
90.01 - 95
25
1.1
1.33
1.6
2.17
3.28
3.53
4.08
85.01 - 90
12
0.7
0.87
1.12
1.33
1.54
1.73
1.97
80.01 - 85
Lender-Paid MI 15yr & 20yr (CF200MIR, CF150MIR, CF150SCMI)
MI
Coverage
760
740-759
720-739
680-719
660-679
640-659
620-639
LTV
35
2.62
2.9
2.9
3.57
6.45
6.7
6.99
95.01 - 97
25
1.25
1.46
1.88
2.66
3.79
3.96
4.52
90.01 - 95
12
0.87
0.91
1.19
1.26
1.42
1.54
1.81
85.01 - 90
6
0.55
0.6
0.87
0.91
1.09
1.13
1.17
80.01 - 85
AL
AR
AZ
CA
CO
DE
FL
GA
ID
MN
MO
MT
NM
NV
OK
OR
SC
TN
0.000
(0.125)
0.000
0.000
0.000
0.000
(0.250)
(0.125)
0.000
(0.125)
(0.125)
0.000
0.000
0.000
(0.125)
(0.125)
0.000
(0.125)
Lender Paid MI Adjustments
FICO 740+
0.00
0.50
0.25
1.19
0.40
(0.18)
680-719
Rate-and-Term Refinance
0.53
Cash Out
1.00
Second Home
0.70
Investment Property
1.75
Loan Amounts > $417,000
1.40
Loan Term = 25yr
(0.28)
Note: Minimum single rate is .54
Rate-and-Term Refinance
Cash Out
Second Home
Investment Property
Loan Amounts > $417,000
Loan Term = 25yr
720-739
0.00
0.70
0.49
1.33
0.88
(0.18)
620-679
1.05
1.30
1.23
0.00
2.10
(0.39)
This information is for the use of approved mortgage lenders only and is not intended for distribution to consumers. This is not an advertisement to extend customer credit as defined by part 226.2 of Regulation Z. Interest rate, program terms and conditions are subject to change without notice. Not all products are available in all states and for all loan amounts. Other restrictions and limitations may apply. Granting of loan is subject to the credit and policy requirements of Plaza Home Mortgage,
Inc.
2/5/2015 7:02 AM
Page 3 of 8
Home Possible
CF30HP (Home Possible 30yr Fixed)
Rate
15 Day
30 Day
45 Day
4.625
(4.802)
(4.627)
(4.452)
4.500
(4.126)
(3.951)
(3.776)
4.375
(4.109)
(3.934)
(3.759)
4.250
(3.642)
(3.467)
(3.292)
4.125
(3.095)
(2.920)
(2.745)
4.000
(2.361)
(2.186)
(2.011)
3.875
(1.800)
(1.625)
(1.450)
3.750
(1.271)
(1.096)
(0.921)
3.625
(0.633)
(0.458)
(0.283)
3.500
0.214
0.389
0.564
CA51HP (Home Possible 5/1 ARM)
Rate
15 Day
30 Day
45 Day
4.500
(4.567)
(4.392)
(4.217)
4.375
(4.317)
(4.142)
(3.967)
4.250
(4.050)
(3.875)
(3.700)
4.125
(3.784)
(3.609)
(3.434)
4.000
(3.581)
(3.406)
(3.231)
3.875
(3.362)
(3.187)
(3.012)
3.750
(3.055)
(2.880)
(2.705)
3.625
(2.757)
(2.582)
(2.407)
3.500
(2.377)
(2.202)
(2.027)
3.375
(1.995)
(1.820)
(1.645)
5/1 ARM
Refinance
3-4 units LTV>90
Loan Amounts
Loan Amount <$140k
Loan Amount <$100k
Loan Amount <$75k
0.250
0.750
1.000
0.125
0.250
0.500
(0.500)
Community Enrichment (O/O Only)
My Community
Rate
4.375
4.250
4.125
4.000
3.875
3.750
3.625
CF300MC (My Community)
15 Day
30 Day
(5.152)
(4.977)
(4.647)
(4.472)
(3.980)
(3.805)
(3.437)
(3.262)
(3.027)
(2.852)
(2.329)
(2.154)
(1.599)
(1.424)
45 Day
(4.802)
(4.297)
(3.630)
(3.087)
(2.677)
(1.979)
(1.249)
MyCommunityMortgage and Home Possible Lender-Paid MI
LTV
95.01 - 97
90.01 - 95
FANNIE MAE LLPA add
MI Coverage FICO >= 760
18
16
2.07
1.30
740-759
720-739
680-719
660-679
640-659
620-639
2.07
1.43
2.07
1.79
2.70
2.52
3.75
2.84
3.88
2.95
4.04
3.32
0.750
(including loan amount hits)
Subordinate Financing
Subordinate Financing with non-Community Second
0.500
Loan Amounts
Loan Amount <$140k
Loan Amount <$100k
Loan Amount <$75k
0.125
0.250
0.500
Community Enrichment (O/O conforming only)
(0.500)
Plaza My Community Guidelines
Manufactured Home are not Allowed
Fannie Mae My Community Matrix
This information is for the use of approved mortgage lenders only and is not intended for distribution to consumers. This is not an advertisement to extend customer credit as defined by part 226.2 of Regulation Z. Interest rate, program terms and conditions are subject to change without notice. Not all products are available in all states and for all loan amounts. Other restrictions and limitations may apply. Granting of loan is subject to the credit and policy requirements of Plaza Home Mortgage,
Inc.
2/5/2015 7:02 AM
Page 4 of 8
Conventional Arm Rates and Adjustments
5/1 Conforming ARM CA512L - DU/LP
Rate
3.750
3.625
3.500
3.375
3.250
3.125
3.000
2.875
2.750
15 Day
(4.055)
(3.757)
(3.377)
(2.995)
(2.561)
(2.125)
(1.681)
(1.121)
(0.085)
MARGIN 2.25
Conforming 7/1 ARM CA712L - DU/LP
30 Day
(3.880)
(3.582)
(3.202)
(2.820)
(2.386)
(1.950)
(1.506)
(0.946)
0.090
Rate
3.750
3.625
3.500
3.375
3.250
3.125
3.000
2.875
2.750
5/1 Super Conforming ARM CA51LSC - LP Only
Rate
4.000
3.875
3.750
3.625
3.500
3.375
3.250
3.125
3.000
15 Day
(3.831)
(3.612)
(3.305)
(3.007)
(2.627)
(2.245)
(1.811)
(1.375)
(0.931)
MARGIN 2.25
15 Day
(3.831)
(3.612)
(3.305)
(3.007)
(2.627)
(2.245)
(1.811)
(1.375)
(0.931)
(0.371)
MARGIN 2.25
Conforming 10/1 ARM CA1012L - DU/LP
30 Day
(3.769)
(3.392)
(2.911)
(2.428)
(1.924)
(1.429)
(0.900)
(0.268)
(0.032)
Rate
4.500
4.375
4.250
4.125
4.000
3.875
3.750
3.625
3.500
7/1 Super Conforming ARM CA71LSC - LP Only
30 Day
(3.656)
(3.437)
(3.130)
(2.832)
(2.452)
(2.070)
(1.636)
(1.200)
(0.756)
Rate
4.125
4.000
3.875
3.750
3.625
3.500
3.375
3.250
3.125
5/1 Conforming HB ARM CA51LHB - DU Only
Rate
4.000
3.875
3.750
3.625
3.500
3.375
3.250
3.125
3.000
2.875
15 Day
(3.944)
(3.567)
(3.086)
(2.603)
(2.099)
(1.604)
(1.075)
(0.443)
(0.207)
MARGIN 2.25
15 Day
(4.074)
(3.814)
(3.549)
(3.194)
(2.817)
(2.336)
(1.853)
(1.349)
(0.854)
MARGIN 2.25
Rate
4.125
4.000
3.875
3.750
3.625
3.500
3.375
3.250
3.125
3.000
15 Day
(4.074)
(3.814)
(3.549)
(3.194)
(2.817)
(2.336)
(1.853)
(1.349)
(0.854)
(0.325)
MARGIN 2.25
30 Day
(4.979)
(4.778)
(4.617)
(4.317)
(3.812)
(3.280)
(2.727)
(2.080)
(1.332)
10/1 Super Conforming ARM CA101LSC - LP Only
30 Day
(3.899)
(3.639)
(3.374)
(3.019)
(2.642)
(2.161)
(1.678)
(1.174)
(0.679)
Rate
4.625
4.500
4.375
4.250
4.125
4.000
3.875
3.750
3.625
7/1 Conforming HB ARM CA71LHB - DU Only
30 Day
(3.656)
(3.437)
(3.130)
(2.832)
(2.452)
(2.070)
(1.636)
(1.200)
(0.756)
(0.196)
15 Day
(5.154)
(4.953)
(4.792)
(4.492)
(3.987)
(3.455)
(2.902)
(2.255)
(1.507)
MARGIN 2.25
15 Day
(4.510)
(4.279)
(4.078)
(3.917)
(3.617)
(3.112)
(2.580)
(2.027)
(1.380)
MARGIN 2.25
30 Day
(4.335)
(4.104)
(3.903)
(3.742)
(3.442)
(2.937)
(2.405)
(1.852)
(1.205)
10/1 Conforming HB ARM CA101LHB - DU Only
30 Day
(3.899)
(3.639)
(3.374)
(3.019)
(2.642)
(2.161)
(1.678)
(1.174)
(0.679)
(0.150)
Rate
4.625
4.500
4.375
4.250
4.125
4.000
3.875
3.750
3.625
3.500
15 Day
(4.510)
(4.279)
(4.078)
(3.917)
(3.617)
(3.112)
(2.580)
(2.027)
(1.380)
(0.632)
MARGIN 2.25
30 Day
(4.335)
(4.104)
(3.903)
(3.742)
(3.442)
(2.937)
(2.405)
(1.852)
(1.205)
(0.457)
Conventional Conforming Adjustments
Agency State Adjustments
2 units
3-4 units
Condo LTV > 75% & Loan Term >15yrs; (Excludes Detached Condo w/ DU)
Investment LTV <= 75%
Property:
LTV > 75% - 80%
LTV > 80% - 90%
1.000
1.000
0.750
1.750
3.000
3.750
Subordinate Financing
0.500
0.250
0.750
0.500
1.000
0.750
1.000
0.750
1.500
LTV<=65, CLTV/HCLTV >80<=95, FICO <720
LTV<=65, CLTV/HCLTV >80<=95, FICO >=720
LTV >65<=75, CLTV/HCLTV >80<=95, FICO <720
LTV >65<=75, CLTV/HCLTV >80<=95, FICO >=720
LTV >75<=95, CLTV/HCLTV >90<=95, FICO <720
LTV >75<=95, CLTV/HCLTV >90<=95, FICO >=720
LTV >75<=90, CLTV/HCLTV >76<=90, FICO <720
LTV >75<=90, CLTV/HCLTV >76<=90, FICO >=720
LTV <=95, CLTV/HCLTV >95<=97
My Community
My Community 97
2.000
Loan Amounts
Loan Amount <$140k
Loan Amount <$100k
Loan Amount <$75k
0.125
0.250
0.500
HB / SC Cash-Out
1.000
LTV >95<=97
0.500
SC ARMs - Purch, R/T >75% LTV/CLTV
0.750
0.000
(0.125)
State adj. (AZ, CA, UT)
State adj. (MI, MN)
LTV%
<= 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
97.01 - 100
620
639
0.500
1.500
3.000
3.000
3.250
3.250
3.250
3.250
N/A
640
659
0.500
1.250
2.500
3.000
3.250
2.750
2.750
2.750
N/A
660
679
0.000
1.000
2.000
2.500
2.750
2.250
2.250
2.250
N/A
0.000
(0.125)
0.000
0.000
0.000
0.000
(0.250)
(0.125)
0.000
(0.125)
(0.125)
0.000
0.000
0.000
(0.125)
(0.125)
0.000
(0.125)
Community Enrichment (O/O Only)
MANUFACTURED HOMES are not allowed.
Risk-Based Adjustments
Credit Score
No FICO
or <620
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
AL
AR
AZ
CA
CO
DE
FL
GA
ID
MN
MO
MT
NM
NV
OK
OR
SC
TN
Lender-Paid Mortgage Insurance Nonfixed Rate
680
699
0.000
0.500
1.250
1.750
1.500
1.250
1.250
1.250
N/A
700
719
(0.250)
0.500
0.750
1.000
1.000
1.000
1.000
1.000
N/A
720
739
(0.250)
0.000
0.250
0.500
0.500
0.500
0.500
0.500
N/A
680
699
0.000
0.750
1.375
2.500
N/A
700
719
0.000
0.625
0.750
1.500
N/A
720
739
0.000
0.625
0.750
1.500
N/A
CA512LMIR, CA712LMIR, CA1012LMIR
LPMI through Essent, Genworth, MGIC and Radian
>= 740
(0.250)
0.000
0.000
0.250
0.250
0.250
0.250
0.250
N/A
LTV/MI %
90.01-95 35%
85.01-90 30%
85 &under 25%
R/T
2nd Home
FICO 740+
FICO 720-739
FICO 680-719
FICO <680
2.15
1.37
0.99
0.00
0.25
2.35
1.72
1.12
0.00
0.49
3.29
2.17
1.33
0.53
0.70
4.20
2.66
1.54
1.05
1.23
Split MI - ( Radian only- CA512LSMIR, CA&12LSMIR & CA1012LSMIR) - Upfront 1
point charge separate from pricing through secondary.
Use the above matrix for all programs excluding My Community and Home Possible programs.
Caps
Cash Out
Credit Score
LTV%
<= 60
60.01 - 75
75.01 - 80
80.01 - 85
LTV > 85
No FICO
or <620
N/A
N/A
N/A
N/A
N/A
620
639
0.250
1.250
2.750
3.000
N/A
640
659
0.250
1.250
2.250
3.000
N/A
660
679
0.250
0.750
1.500
2.500
N/A
>= 740
0.000
0.250
0.500
0.625
N/A
3/1
5/1
7/1
10/1
2/2/6
2/2/5
5/2/5
5/2/5
This information is for the use of approved mortgage lenders only and is not intended for distribution to consumers. This is not an advertisement to extend customer credit as defined by part 226.2 of Regulation Z. Interest rate, program terms and conditions are subject to change without notice. Not all products are available in all states and for all loan amounts. Other restrictions and limitations may apply. Granting of loan is subject to the credit and policy requirements of Plaza Home Mortgage,
Inc.
2/5/2015 7:02 AM
Page 5 of 8
HARP Programs
FNMA DU Refi Plus- Click HERE for Guides
15 Year Fixed<105%
30yr Fixed High Balance<105%
RCF150DURP
RCF30DURPH
Rate
15 Day
30 Day
45 Day
Rate
15 Day
30 Day
4.000
(4.795)
(4.620)
(4.445)
4.750
(4.468)
(4.293)
3.875
(4.604)
(4.429)
(4.254)
4.625
(4.087)
(3.912)
3.750
(4.444)
(4.269)
(4.094)
4.500
(3.743)
(3.568)
3.625
(4.254)
(4.079)
(3.904)
4.375
(3.364)
(3.189)
3.500
(3.921)
(3.746)
(3.571)
4.250
(2.989)
(2.814)
3.375
(3.428)
(3.253)
(3.078)
4.125
(2.480)
(2.305)
3.250
(2.996)
(2.821)
(2.646)
4.000
(1.937)
(1.762)
3.125
(2.601)
(2.426)
(2.251)
3.875
(1.365)
(1.190)
3.000
(2.039)
(1.864)
(1.689)
3.750
(0.810)
(0.635)
2.875
(1.281)
(1.106)
(0.931)
3.625
0.026
0.201
2.750
(0.650)
(0.475)
(0.300)
3.500
0.958
1.133
20 Year Fixed
15 Year Fixed
RCF20DURPX (LTV >105)
RCF15DURPX (LTV >105)
Rate
45 Days
Rate
15 Day
30 Day
Rate
15 Day
30 Day
45 Day
4.625
(4.953)
4.625
(5.303)
(5.128)
4.250
(3.139)
(2.964)
(2.789)
4.500
(4.343)
4.500
(4.693)
(4.518)
4.125
(3.113)
(2.938)
(2.763)
4.375
(3.698)
4.375
(4.048)
(3.873)
4.000
(3.000)
(2.825)
(2.650)
4.250
(3.057)
4.250
(3.407)
(3.232)
3.875
(2.778)
(2.603)
(2.428)
4.125
(2.274)
4.125
(2.624)
(2.449)
3.750
(2.587)
(2.412)
(2.237)
4.000
(1.449)
4.000
(1.799)
(1.624)
3.625
(2.365)
(2.190)
(2.015)
3.875
(0.597)
3.875
(0.947)
(0.772)
3.500
(1.966)
(1.791)
(1.616)
3.750
0.240
3.750
(0.110)
0.065
3.375
(1.364)
(1.189)
(1.014)
3.625
1.367
3.625
1.017
1.192
3.250
(0.823)
(0.648)
(0.473)
3.500
2.596
3.500
2.246
2.421
3.125
(0.319)
(0.144)
0.031
3.375
3.708
3.375
3.358
3.533
3.000
0.476
0.651
0.826
Adjustments
All adjustments apply to all conventional programs and are cumulative unless otherwise stated.
Loan Amounts
Loan Amount <$140k
0.125
2 units
1.000
Loan Amount <$100k
0.250
3-4 units
1.500
Loan Amount <$75k
0.500
Condo LTV > 75% & Loan Term >15yrs; (Excludes Detached Condo w/ DU)
0.750
Subordinate Financing
0.375
CLTV/HCLTV
>95,
FICO
>=720
1.500
DURP w/ MI
CLTV/HCLTV >95, FICO <720
1.500
1.750
CLTV/HCLTV >90<=95, FICO >=720
0.250
Investment LTV <= 75%
LTV
>
75%
80%
1.750
CLTV/HCLTV
>90<=95,
FICO
<720
0.500
Property:
LTV > 80%
1.750
CLTV/HCLTV >75<=90, FICO >=720
0.000
CLTV/HCLTV >75<=90, FICO <720
0.250
Rate
4.375
4.250
4.125
4.000
3.875
3.750
3.625
3.500
3.375
3.250
3.125
30 Year Fixed<105%
RCF300DURP
15 Day
30 Day
(4.864)
(4.689)
(4.489)
(4.314)
(3.980)
(3.805)
(3.437)
(3.262)
(2.865)
(2.690)
(2.310)
(2.135)
(1.474)
(1.299)
(0.542)
(0.367)
0.274
0.449
0.959
1.134
2.059
2.234
30yr Fixed
RCF30DURPX (LTV > 105)
15 Day
30 Day
(5.303)
(5.128)
(4.693)
(4.518)
(4.048)
(3.873)
(3.407)
(3.232)
(2.624)
(2.449)
(1.799)
(1.624)
(0.947)
(0.772)
(0.110)
0.065
1.017
1.192
2.246
2.421
3.358
3.533
45 Day
(4.514)
(4.139)
(3.630)
(3.087)
(2.515)
(1.960)
(1.124)
(0.192)
0.624
1.309
2.409
20 Year Fixed<105%
RCF20DURP
15 Day
30 Day
(5.285)
(4.994)
(4.956)
(4.501)
(4.593)
(4.071)
(4.233)
(3.680)
(3.834)
(3.144)
(3.438)
(2.383)
(2.989)
(1.617)
(2.532)
(0.852)
(1.898)
0.355
(1.118)
2.119
Rate
4.625
4.500
4.375
4.250
4.125
4.000
3.875
3.750
3.625
3.500
*All state adjustments apply to this program. See state adjustments on page 2 under Conventional Conforming Adjustments.
Risk-Based Adjustments
LTV%
105.01-125
< 620
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Rate
5.250
5.125
5.000
4.875
4.750
4.625
4.500
4.375
4.250
30 Year Fixed
CF300LPRR
15 Day
(7.535)
(7.097)
(6.490)
(6.759)
(6.311)
(5.802)
(5.126)
(5.109)
(4.642)
<= 60
60.01-70
70.01-75
75.01-80
80.01-85
85.01-90
90.01-95
95.01-97
97.01-105
620
639
0.750
1.500
1.750
1.750
1.750
1.750
1.750
1.750
3.500
3.500
640
659
0.500
1.250
1.750
1.750
1.750
1.750
1.750
1.750
2.500
2.500
Credit Score
660
679
0.000
1.000
1.500
1.750
1.750
1.750
1.750
1.750
2.000
2.000
680
699
0.000
0.500
0.750
0.750
0.750
0.750
0.750
1.250
1.750
1.750
700
719
(0.250)
0.500
0.500
0.500
0.500
0.500
0.500
1.000
1.500
1.500
720
739
(0.250)
0.000
0.000
0.000
0.000
0.000
0.000
0.500
1.000
1.000
>= 740
(0.250)
0.000
0.000
0.000
0.000
0.000
0.000
0.500
1.000
1.000
Maximum Cumulative Adjustments
(excludes lock term, loan amts, MI transfer & state adj)
LTV >80, Owner Occupied, Loan Term <=20yrs
0.000
LTV >80, Owner Occupied, Loan Term >20yrs
0.750
2nd Home or N/O/O
1.750
1.750
LTV <=80%
Risk-Based Adjustments do not apply to loans with amortization terms <=180 months.
CONFORMING FIXED RATES - LP Relief Refinance
30 Day
(7.360)
(6.922)
(6.315)
(6.584)
(6.136)
(5.627)
(4.951)
(4.934)
(4.467)
Closing costs, financing
costs (including discount
costs) and
prepaids/escrows, are
limited to the lesser of 4%
of the current unpaid
balance of the mortgage
being refinanced or $5,000.
Rate
4.250
4.125
4.000
3.875
3.750
3.625
3.500
3.375
3.250
15 Year Fixed
CF150LPRR
15 Day
(5.891)
(5.479)
(5.012)
(5.197)
(4.788)
(4.373)
(3.912)
(3.307)
(2.962)
30 Day
(5.716)
(5.304)
(4.837)
(5.022)
(4.613)
(4.198)
(3.737)
(3.132)
(2.787)
30yr Fixed High Balance
CF300LPRRH
15 Day
30 Day
(6.035)
(5.860)
(5.597)
(5.422)
(4.990)
(4.815)
(5.259)
(5.084)
(4.811)
(4.636)
(4.302)
(4.127)
(3.626)
(3.451)
(3.609)
(3.434)
(3.142)
(2.967)
Rate
5.250
5.125
5.000
4.875
4.750
4.625
4.500
4.375
4.250
30yr Fixed >105 LTV
RCF30LPRRX
15 Day
30 Day
(1.300)
(1.125)
(0.771)
(0.596)
(0.133)
0.042
0.714
0.889
1.626
1.801
2.486
2.661
Rate
3.875
3.750
3.625
3.500
3.375
3.250
All adjustments apply to all conventional programs and are cumulative unless otherwise stated.
Loan Amounts
Loan Amount <$140k
Loan Amount <$100k
Loan Amount <$75k
0.125
0.250
0.500
Condo LTV > 75% & Term >15yrs
2 units
3-4 units <=80 LTV
3-4 units >80<=85 LTV
3-4 units >85 LTV
Investment Property
LTV >95<=97
LTV >97<=105
LTV >105
0.750
1.000
1.000
1.500
2.000
1.750
0.500
1.000
2.000
Subordinate Financing
CLTV/HCLTV >95, FICO >=720
CLTV/HCLTV >95, FICO <720
LTV >65<=75, CLTV/HCLTV >90<=95, FICO >=720
LTV >65<=75, CLTV/HCLTV >90<=95, FICO <720
LTV >75<=80, CLTV/HCLTV >75<=90, FICO >=720
LTV >75<=80, CLTV/HCLTV >75<=90, FICO <720
LTV >75<=80, CLTV/HCLTV >90<=95, FICO >=720
LTV >75<=80, CLTV/HCLTV >90<=95, FICO <720
LTV >80<=90, CLTV/HCLTV >80<=95, FICO >=720
LTV >80<=90, CLTV/HCLTV >80<=95, FICO <720
LTV >90, CLTV/HCLTV >90, FICO >=720
LTV >90, CLTV/HCLTV >90, FICO <720
LPRR w/ MI
1.500
1.500
0.250
0.500
0.750
1.000
0.750
1.000
0.750
1.000
0.250
0.500
0.375
*All state adjustments apply to this program. See state adjustments on page 2 under Conventional Conforming Adjustments.
Risk-Based Adjustments
LTV%
<= 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
>97
< 620
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
620
639
0.500
1.500
3.000
3.000
3.250
3.250
3.250
3.250
3.250
640
659
0.500
1.250
2.750
3.000
3.250
2.750
2.750
2.750
2.750
Credit Score
660
679
0.000
1.000
2.250
2.750
2.750
2.250
2.250
2.250
2.250
680
699
0.000
0.500
1.250
1.750
1.500
1.250
1.250
1.250
1.250
700
719
(0.250)
0.500
0.750
1.000
1.000
1.000
1.000
1.000
1.000
720
739
(0.250)
0.000
0.250
0.500
0.500
0.500
0.500
0.500
0.500
Maximum Cumulative Adjustments
>= 740
(0.250)
0.000
0.000
0.250
0.250
0.250
0.250
0.250
0.250
(excludes lock term, loan amts, impound waivers, MI transfer & state adj)
LTV >80, O/O & 2nd Home, Loan Term <=20yrs
LTV >80, O/O & 2nd Home, Loan Term >20yrs
N/O/O
LTV <=80%
0.000
0.750
1.750
1.750
Risk-Based Adjustments do not apply to loans with amortization terms <=180 months.
This information is for the use of approved mortgage lenders only and is not intended for distribution to consumers. This is not an advertisement to extend customer credit as defined by part 226.2 of Regulation Z. Interest rate, program terms and conditions are subject to change without notice. Not all products are available in all states and for all loan amounts. Other restrictions and limitations may apply. Granting of loan is subject to the credit and policy requirements of Plaza Home Mortgage,
Inc.
2/5/2015 7:02 AM
Page 6 of 8
FHA Rates and Adjustments
Rate
4.500
4.375
4.250
4.125
4.000
3.875
3.750
3.625
3.500
3.375
3.250
Rate
4.625
4.500
4.375
4.250
4.125
4.000
3.875
3.750
Rate
4.250
4.125
4.000
3.875
3.750
3.625
3.500
3.375
3.250
FHA 30 Yr Fixed
Conforming
FHA 300
15 Day
30 Day
(6.111)
(5.936)
(5.621)
(5.446)
(5.725)
(5.550)
(5.299)
(5.124)
(4.923)
(4.748)
(4.414)
(4.239)
(3.990)
(3.815)
(3.524)
(3.349)
(3.611)
(3.436)
(3.051)
(2.876)
(2.112)
(1.937)
FHA 30 Yr HB
FHA300HB
15 Day
(5.204)
(4.861)
(4.371)
(4.475)
(4.049)
(3.673)
(3.164)
(2.740)
30 Day
(5.029)
(4.686)
(4.196)
(4.300)
(3.874)
(3.498)
(2.989)
(2.565)
FHA 30Yr Fixed
Conforming
FHA30S (FHA Streamline)
15 Day
30 Day
(5.600)
(5.425)
(5.174)
(4.999)
(4.798)
(4.623)
(4.289)
(4.114)
(3.865)
(3.690)
(3.399)
(3.224)
(3.486)
(3.311)
(2.926)
(2.751)
(1.987)
(1.812)
45 Day
(5.761)
(5.271)
(5.375)
(4.949)
(4.573)
(4.064)
(3.640)
(3.174)
(3.261)
(2.701)
(1.762)
Rate
3.750
3.625
3.500
3.375
3.250
3.125
3.000
FHA 15 Yr
Conforming
FHA150
15 Day
30 Day
(4.288)
(4.113)
(4.218)
(4.043)
(3.882)
(3.707)
(3.548)
(3.373)
(3.158)
(2.983)
(2.583)
(2.408)
(2.191)
(2.016)
FHA 15 Yr High Bal. (FHA150HB)
(FHA150HB)
Rate
15 Day
30 Day
45 Day
3.500
(1.132)
(0.957)
(0.782)
3.375
(0.798)
(0.623)
(0.448)
3.250
(0.408)
(0.233)
(0.058)
3.125
0.167
0.342
0.517
3.000
0.559
0.734
0.909
2.875
0.952
1.127
1.302
2.750
1.394
1.569
1.744
2.625
2.252
2.427
2.602
45 Day
(5.250)
(4.824)
(4.448)
(3.939)
(3.515)
(3.049)
(3.136)
(2.576)
(1.637)
Rate
4.625
4.500
4.375
4.250
4.125
4.000
3.875
3.750
3.625
30 Year Fixed
High Balance
FHA300HBS (Streamline)
15 Day
30 Day
(5.204)
(5.029)
(4.861)
(4.686)
(4.371)
(4.196)
(4.475)
(4.300)
(4.049)
(3.874)
(3.673)
(3.498)
(3.164)
(2.989)
(2.740)
(2.565)
(2.274)
(2.099)
Rate
4.000
3.875
3.750
3.625
3.500
3.375
3.250
3.125
45 Day
(3.938)
(3.868)
(3.532)
(3.198)
(2.808)
(2.233)
(1.841)
FHA51THB
5 Yr
15 Day
30 Day
(4.281)
(4.106)
(4.093)
(3.918)
(3.840)
(3.665)
(3.529)
(3.354)
(3.204)
(3.029)
(2.878)
(2.703)
(2.492)
(2.317)
(2.041)
(1.866)
45 Day
(3.931)
(3.743)
(3.490)
(3.179)
(2.854)
(2.528)
(2.142)
(1.691)
30 Year FHA 203(k)
45 Day
(4.854)
(4.511)
(4.021)
(4.125)
(3.699)
(3.323)
(2.814)
(2.390)
(1.924)
Rate
4.750
4.625
4.500
4.375
4.250
4.125
4.000
3.875
3.750
FHA30KS
15 Day
(4.668)
(3.910)
(3.605)
(3.303)
(2.932)
(2.885)
(2.517)
(2.153)
(1.709)
Rate
4.000
3.875
3.750
3.625
3.500
3.375
3.250
3.125
3.000
2.875
2.750
FHA51T
Conforming
5 Yr
15 Day
(4.531)
(4.343)
(4.090)
(3.779)
(3.454)
(3.128)
(2.742)
(2.291)
(1.848)
(1.395)
(0.891)
30 Day
(4.356)
(4.168)
(3.915)
(3.604)
(3.279)
(2.953)
(2.567)
(2.116)
(1.673)
(1.220)
(0.716)
Rate
4.500
4.375
4.250
4.125
4.000
3.875
3.750
3.625
FHA 30 Yr Fixed
RFHA30BTW
15 Day
(5.855)
(5.553)
(5.182)
(5.135)
(4.767)
(4.403)
(3.959)
(3.524)
30 Day
(5.680)
(5.378)
(5.007)
(4.960)
(4.592)
(4.228)
(3.784)
(3.349)
30 Year FHA Full 203(k)
30 Day
(4.493)
(3.735)
(3.430)
(3.128)
(2.757)
(2.710)
(2.342)
(1.978)
(1.534)
Rate
4.750
4.625
4.500
4.375
4.250
4.125
4.000
3.875
3.750
FHA30K
15 Day
(4.668)
(3.910)
(3.605)
(3.303)
(2.932)
(2.885)
(2.517)
(2.153)
(1.709)
30 Day
(4.493)
(3.735)
(3.430)
(3.128)
(2.757)
(2.710)
(2.342)
(1.978)
(1.534)
FHA 203(k) Streamlined:
Supplemental Origination Fee Greater of $350 or 1.50% of the
total cost of renovations
USDA
Rural Housing Full Doc & Refinance Pilot
USDA RH 30 Yr (USDARH30 & USDARH30P)
Rate
4.250
4.125
4.000
3.875
3.750
3.625
3.500
15 Day
(4.975)
(4.549)
(4.173)
(3.664)
(3.240)
(2.774)
(2.611)
30 Day
(4.800)
(4.374)
(3.998)
(3.489)
(3.065)
(2.599)
(2.436)
Adjustments
Loan amount >= $100,000 to $124,999
Loan amount >= $75,000 to $99,999
Loan amount >= $50,000 to $74,999
Loan amount <$50,000
FHA Streamline: FICO 640-679
FHA Streamline: FICO 620-639
FHA Full Doc & USDA : FICO 640-679
FHA Full Doc & USDA: FICO 620-639
FHA Full Doc: FICO 600-619
FHA Full Doc: FICO 580-599
Full Doc, FHA Streamline & USDA: FICO 680-719
Min FICO of 620 required for standard FHA
*Min FICO of 620 required for FHA Streamline
Unit
1
2
3
4
0.125
0.250
0.375
0.750
0.500
1.000
0.500
1.000
1.250
1.750
0.250
FHA 203(k) Streamlined: Supplemental Origination Fee - Greater of $350 or 1.50% of the total cost of renovations
Contiguous States
Standard
$417,000
$533,850
$645,300
$801,950
Maximum Base Loan Amount
Contiguous States
Alaska & Hawaii
High Balance
Standard
$625,500
$625,500
$800,775
$800,775
$967,950
$967,950
$1,202,925
$1,202,925
0.500
FHA Streamline: NOO
For FHA's Back to Work use code RFHA30BTW
State Adj.
OR
NV
ID
MN
WA
AZ
MT
CA
Alaska & Hawaii
High Balance
$721,050
$923,050
$1,115,800
$1,386,650
(0.125)
0.000
(0.125)
0.000
(0.125)
0.000
0.000
0.000
Use FHA High Balance for base
loan amounts >417,000
Loans outside of the state of CA may be subject to additional price adjustments.
This information is for the use of approved mortgage lenders only and is not intended for distribution to consumers. This is not an advertisement to extend customer credit as defined by part 226.2 of Regulation Z. Interest rate, program terms and conditions are subject to change without notice. Not all products are available in all states and for all loan amounts. Other restrictions and limitations may apply. Granting of loan is subject to the credit and policy requirements of Plaza Home Mortgage,
Inc.
2/5/2015 7:02 AM
Page 7 of 8
VA Rates and Adjustments
Rate
4.250
4.125
4.000
3.875
3.750
3.625
3.500
3.375
Rate
3.500
3.375
3.250
3.125
3.000
2.875
2.750
2.625
Rate
5.000
4.875
4.750
4.625
4.500
4.375
4.250
4.125
4.000
3.875
3.750
3.625
30 Year Fixed
VA300
15 Day
(5.350)
(4.924)
(4.548)
(4.039)
(3.615)
(3.149)
(3.236)
(2.676)
20 Year Fixed
VA200
15 Day
(3.882)
(3.548)
(3.158)
(2.583)
(2.191)
(1.798)
(1.356)
(0.498)
30 Day
(5.175)
(4.749)
(4.373)
(3.864)
(3.440)
(2.974)
(3.061)
(2.501)
30 Day
(3.707)
(3.373)
(2.983)
(2.408)
(2.016)
(1.623)
(1.181)
(0.323)
VA IRRRL Conforming
30 Yr VA300IRRRL
No Appraisal Required
Rate
15 Day
30 Day
4.625
(5.910)
(5.735)
4.500
(5.605)
(5.430)
4.375
(5.303)
(5.128)
4.250
(4.932)
(4.757)
4.125
(4.885)
(4.710)
4.000
(4.517)
(4.342)
3.875
(4.153)
(3.978)
3.750
(3.709)
(3.534)
3.625
(3.274)
(3.099)
3.500
(2.830)
(2.655)
3.375
(2.386)
(2.211)
3.250
(1.862)
(1.687)
30 Year Fixed
VAJUMBO30
15 Day
30 Day
(6.080)
(5.905)
(5.611)
(5.436)
(5.205)
(5.030)
(4.704)
(4.529)
(4.361)
(4.186)
(3.871)
(3.696)
(3.975)
(3.800)
(3.549)
(3.374)
(3.173)
(2.998)
(2.664)
(2.489)
(2.240)
(2.065)
(1.774)
(1.599)
Rate
3.750
3.625
3.500
3.375
3.250
3.125
3.000
2.875
25 Year Fixed
VA250
15 Day
(4.288)
(4.218)
(3.882)
(3.548)
(3.158)
(2.583)
(2.191)
(1.798)
30 Day
(4.113)
(4.043)
(3.707)
(3.373)
(2.983)
(2.408)
(2.016)
(1.623)
Energy Efficient Mortgage
VA300EM
Rate
15 Day
30 Day
4.250
(5.350)
(5.175)
4.125
(4.924)
(4.749)
4.000
(4.548)
(4.373)
3.875
(4.039)
(3.864)
3.750
(3.615)
(3.440)
3.625
(3.149)
(2.974)
3.500
(3.236)
(3.061)
3.375
(2.676)
(2.501)
15 Year Fixed
VA150
Rate
15 Day
30 Day
3.750
(4.288)
(4.113)
3.625
(4.218)
(4.043)
3.500
(3.882)
(3.707)
3.375
(3.548)
(3.373)
3.250
(3.158)
(2.983)
3.125
(2.583)
(2.408)
3.000
(2.191)
(2.016)
2.875
(1.798)
(1.623)
VA IRRRL Conforming
15 Yr VA150IRRRL
No Appraisal Required
Rate
15 Day
30 Day
3.750
(4.038)
(3.863)
3.625
(3.968)
(3.793)
3.500
(3.632)
(3.457)
3.375
(3.298)
(3.123)
3.250
(2.908)
(2.733)
3.125
(2.333)
(2.158)
3.000
(1.941)
(1.766)
2.875
(1.548)
(1.373)
2.750
(1.106)
(0.931)
2.625
(0.248)
(0.073)
2.500
0.199
0.374
2.375
0.650
0.825
Jumbo Energy Efficient
VAJUMBO30EEM
Rate
15 Day
30 Day
5.000
(6.080)
(5.905)
4.875
(5.611)
(5.436)
4.750
(5.205)
(5.030)
4.625
(4.704)
(4.529)
4.500
(4.361)
(4.186)
4.375
(3.871)
(3.696)
4.250
(3.975)
(3.800)
4.125
(3.549)
(3.374)
4.000
(3.173)
(2.998)
3.875
(2.664)
(2.489)
3.750
(2.240)
(2.065)
3.625
(1.774)
(1.599)
Adjustments
Loan amount >= $100,000 to $124,999
Loan amount >= $75,000 to $99,999
Loan amount >= $50,000 to $74,999
Loan amount <$50,000
2nd Home or Non-owner Streamline
Purchase special on conforming loans up to 417K
0.125
0.250
0.375
0.750
0.500
(0.125)
Rate
4.000
3.875
3.750
3.625
3.500
3.375
3.250
3.125
Rate
4.500
4.000
3.500
3.000
VA 5/1 Arm
VA51T
15 Day
(4.531)
(4.343)
(4.090)
(3.779)
(3.454)
(3.128)
(2.742)
(2.291)
15 Year Fixed
VA1510
15 Day
(4.513)
(4.966)
(3.888)
(2.122)
30 Day
(4.356)
(4.168)
(3.915)
(3.604)
(3.279)
(2.953)
(2.567)
(2.116)
30 Day
(4.338)
(4.791)
(3.713)
(1.947)
Jumbo VA IRRRL ***
30 Yr VAJ30IRRRL
No Appraisal Required
Rate
15 Day
30 Day
4.750
(5.168)
(4.993)
4.625
(4.410)
(4.235)
4.500
(4.105)
(3.930)
4.375
(3.803)
(3.628)
4.250
(3.432)
(3.257)
4.125
(3.385)
(3.210)
4.000
(3.017)
(2.842)
3.875
(2.653)
(2.478)
3.750
(2.209)
(2.034)
Rate
3.750
3.625
3.500
3.375
3.250
3.125
3.000
2.875
2.750
2.625
2.500
2.375
15 Year Fixed
VAJUMBO15
15 Day
(1.038)
(0.968)
(0.632)
(0.298)
0.092
0.667
1.059
1.452
1.894
2.752
3.199
3.650
State Adj.
OR
NV
ID
MN
WA
AZ
VA 5/1 Jumbo Arm
VAJ51T
Rate
15 Day
4.000
(4.031)
3.875
(3.843)
3.750
(3.590)
3.625
(3.279)
3.500
(2.954)
3.375
(2.628)
3.250
(2.242)
3.125
(1.791)
3.000
(1.348)
2.875
(0.895)
2.750
(0.391)
2.625
0.167
30 Day
(0.863)
(0.793)
(0.457)
(0.123)
0.267
0.842
1.234
1.627
2.069
2.927
3.374
3.825
(0.125)
0.000
(0.125)
0.000
(0.125)
0.000
MT
CA
0.000
0.000
(branch special not included in branch Pricing)
VA250
VA200
VA Streamline: FICO 620-659
VA Streamline: FICO 660-699
0.125
0.500
1.125
0.125
*** Plaza & Wells Fargo serviced Jumbo IRRRLS please use our pricing
engine in Pulse
Plaza has waived the admin fee on all VA loans
VA Full Doc, FICO 680-719
VA Full Doc: FICO 640-679
VA Full Doc: FICO 620-639
0.250
0.500
1.000
VA Down Payment worksheet
Loans outside of the state of CA may be subject to additional price adjustments.
This information is for the use of approved mortgage lenders only and is not intended for distribution to consumers. This is not an advertisement to extend customer credit as defined by part 226.2 of Regulation Z. Interest rate, program terms and conditions are subject to change without notice. Not all products are available in all states and for all loan amounts. Other restrictions and limitations may apply. Granting of loan is subject to the credit and policy requirements of Plaza Home Mortgage,
Inc.
2/5/2015 7:02 AM
Page 8 of 8
Elite Jumbo
30yr Fixed Jumbo EJF30
15yr Fixed Jumbo EJF15
Rate
15 Day
30 Day
45 Day
60 Day
Rate
15 Day
30 Day
45 Day
60 Day
4.375
(1.926)
(1.751)
(1.576)
(1.401)
4.000
(1.559)
(1.384)
(1.209)
(1.034)
4.250
(1.500)
(1.325)
(1.150)
(0.975)
3.875
(1.359)
(1.184)
(1.009)
(0.834)
4.125
(1.088)
(0.913)
(0.738)
(0.563)
3.750
(1.217)
(1.042)
(0.867)
(0.692)
4.000
(0.618)
(0.443)
(0.268)
(0.093)
3.625
(1.055)
(0.880)
(0.705)
(0.530)
3.875
(0.080)
0.095
0.270
0.445
3.500
(0.829)
(0.654)
(0.479)
(0.304)
3.750
0.589
0.764
0.939
1.114
3.375
(0.547)
(0.372)
(0.197)
(0.022)
3.625
1.378
1.553
1.728
1.903
3.250
(0.212)
(0.037)
0.138
0.313
3.125
0.157
0.332
0.507
0.682
3.000
0.551
0.726
0.901
1.076
2.875
1.019
1.194
1.369
1.544
2.750
1.582
1.757
1.932
2.107
5yr ARM Jumbo EJA51
7yr ARM Jumbo EJA71
10yr ARM Jumbo EJA101
Rate
15 Day
30 Day
45 Day
60 Day
Rate
15 Day
30 Day
45 Day
60 Day
Rate
15 Day
30 Day
45 Day
3.750
(1.634)
(1.459)
(1.284)
(1.109)
3.750
(1.579)
(1.404)
(1.229)
(1.054)
4.250
(2.109)
(1.934)
(1.759)
3.625
(1.509)
(1.334)
(1.159)
(0.984)
3.625
(1.430)
(1.255)
(1.080)
(0.905)
4.125
(1.891)
(1.716)
(1.541)
3.500
(1.384)
(1.209)
(1.034)
(0.859)
3.500
(1.225)
(1.050)
(0.875)
(0.700)
4.000
(1.624)
(1.449)
(1.274)
3.375
(1.227)
(1.052)
(0.877)
(0.702)
3.375
(1.001)
(0.826)
(0.651)
(0.476)
3.875
(1.356)
(1.181)
(1.006)
3.250
(1.039)
(0.864)
(0.689)
(0.514)
3.250
(0.779)
(0.604)
(0.429)
(0.254)
3.750
(1.064)
(0.889)
(0.714)
3.125
(0.820)
(0.645)
(0.470)
(0.295)
3.125
(0.520)
(0.345)
(0.170)
0.005
3.625
(0.667)
(0.492)
(0.317)
3.000
(0.570)
(0.395)
(0.220)
(0.045)
3.000
(0.171)
0.004
0.179
0.354
3.500
(0.196)
(0.021)
0.154
2.875
(0.328)
(0.153)
0.022
0.197
2.875
0.248
0.423
0.598
0.773
3.375
0.264
0.439
0.614
2.750
(0.075)
0.100
0.275
0.450
2.750
0.692
0.867
1.042
1.217
3.250
0.705
0.880
1.055
2.625
0.245
0.420
0.595
0.770
2.625
1.220
1.395
1.570
1.745
3.125
1.319
1.494
1.669
2.500
0.570
0.745
0.920
1.095
3.000
2.067
2.242
2.417
Elite Jumbo Adjustments
LTV/CLTV/HCLTV
FICO 700-719
<= 60%
(0.125)
60.01 - 65% 65.01 - 70% 70.01 - 75% 75.01 - 80%
0.375
0.625
N/A
N/A
FICO 720-739
(0.250)
0.125
0.375
0.625
1.000
FICO 740-759
(0.375)
(0.125)
0.000
0.375
0.625
FICO >=760
(0.500)
(0.375)
(0.250)
0.000
0.250
LTV
<= 60%
<= $1.0M
(0.250)
(0.250)
(0.125)
0.000
0.000
> $1.0M to $1.5M
(0.250)
0.000
0.125
0.250
0.375
> $1.5M to $2.0M
(0.125)
0.000
0.250
0.375
N/A
> $2.0M to $2.5M
0.000
0.125
0.250
N/A
N/A
C/O Refinance
0.250
0.250
0.250
N/A
N/A
2 unit
0.250
0.250
N/A
N/A
N/A
2nd Home
0.125
0.250
0.375
0.750
N/A
No Escrows (NY excluded)
0.125
0.125
0.125
0.125
0.125
15yr Fixed
0.000
0.000
0.000
0.000
0.000
FL, NV
0.000
0.000
0.000
0.000
0.375
ARM
0.000
0.000
0.000
0.000
0.250
Purchase
(0.375)
(0.375)
(0.375)
(0.375)
(0.375)
30 yr Fixed, Non CA
(0.375)
(0.375)
(0.375)
(0.375)
(0.375)
Texas A6
0.500
0.500
0.500
0.500
0.500
30 yr Fixed, CA
(0.250)
(0.250)
(0.250)
0.000
Fixed Max Rebate 30 yr - Loan Amounts <= $1,000,000
(0.125)
(2.125)
Fixed Max Rebate 15 yr - Loan Amounts <= $1,000,000
(1.750)
Fixed Max Rebate 30 yr - Loan Amounts > $1,000,000
(1.750)
Fixed Max Rebate 15 yr - Loan Amounts > $1,000,000
(1.500)
ARM Max Rebate - Loan Amounts <= $1,000,000
(1.125)
ARM Max Rebate - Loan Amounts > $1,000,000
(1.000)
60.01 - 65% 65.01 - 70% 70.01 - 75% 75.01 - 80%
This information is for the use of approved mortgage lenders only and is not intended for distribution to consumers. This is not an advertisement to extend customer credit as defined by part 226.2 of Regulation Z. Interest rate, program terms and conditions are subject to change without notice. Not all products are available in all states and for all loan amounts. Other restrictions and limitations may apply. Granting of loan is subject to the credit and policy requirements of Plaza Home Mortgage,
Inc.