WholesaleRates 635 102 MSIWholesale Rates
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Mortgage Services III, L.L.C. Home Office Ph. #: 888-664-9108 Oakbrook Office Ph. #: 630-396-3553 Pricing E-Fax #: 309-807-4993 Web Site: www.msiloans.biz Pricing E-Mail: msipricing@msiloans.biz Current Wholesale Rate Sheet Market conditions are generally: March 2, 2018 (compared to previous price sheet) (Bank & Credit Union Partners Only) Rate 15-Day 30 Day 45 Day 60 Day Rate Unchanged to Slightly Improved! 15-Day 30 Day 45 Day 60 Day Rate 15-Day 9:40 AM Rate Sheet Updated as of: 30 Day 45 Day 60 Day Rate 15-Day 30 Day 45 Day 60 Day CONFORMING -- FIXED RATE PROGRAMS #300000 - 30 Year Fixed 98.974 98.864 98.754 99.493 99.383 99.273 100.703 100.593 100.483 101.222 101.112 101.002 101.754 101.644 101.534 102.265 102.155 102.045 102.808 102.698 102.588 103.353 103.243 103.133 103.889 103.779 103.669 104.574 104.464 104.354 105.162 105.052 104.942 105.648 105.538 105.428 105.884 105.774 105.664 4.000% 4.125% 4.250% 4.375% 4.500% 4.625% 4.750% 4.875% 5.000% 5.125% 5.250% 5.375% 5.500% 98.644 99.163 100.373 100.892 101.424 101.935 102.478 103.023 103.559 104.244 104.832 105.318 105.554 3.875% 4.000% 4.125% 4.250% 4.375% 4.500% 4.625% 4.750% 4.875% 5.000% 5.125% 5.250% 5.375% #200000 - 20 Year Fixed 99.806 99.696 99.586 100.387 100.277 100.167 100.838 100.728 100.618 101.740 101.630 101.520 102.150 102.040 101.930 102.680 102.570 102.460 103.069 102.959 102.849 103.465 103.355 103.245 104.066 103.956 103.846 104.414 104.304 104.194 104.914 104.804 104.694 105.238 105.128 105.018 105.574 105.464 105.354 99.476 100.057 100.508 101.410 101.820 102.350 102.739 103.135 103.736 104.084 104.584 104.908 105.244 3.125% 3.250% 3.375% 3.500% 3.625% 3.750% 3.875% 4.000% 4.125% 4.250% 4.375% 4.500% 4.625% #150000 - 15 Year Fixed 97.569 97.459 97.349 98.214 98.104 97.994 98.714 98.604 98.494 99.102 98.992 98.882 99.600 99.490 99.380 100.187 100.077 99.967 100.687 100.577 100.467 101.153 101.043 100.933 101.580 101.470 101.360 102.123 102.013 101.903 102.592 102.482 102.372 103.000 102.890 102.780 103.398 103.288 103.178 97.239 97.884 98.384 98.772 99.270 99.857 100.357 100.823 101.250 101.793 102.262 102.670 103.068 3.125% 3.250% 3.375% 3.500% 3.625% 3.750% 3.875% 4.000% 4.125% 4.250% 4.375% 4.500% 4.625% FANNIE MAE (DU) -- CONFORMING ARM PROGRAMS #510011 (DU) - 5/1 Arm Caps: 2/2/5 Margin: 2.250 Index: 3.625% 100.189 100.069 99.949 3.750% 100.544 100.424 100.304 3.875% 100.890 100.770 100.650 4.000% 101.051 100.931 100.811 4.125% 101.350 101.230 101.110 4.250% 101.673 101.553 101.433 4.375% 102.044 101.924 101.804 4.500% 102.383 102.263 102.143 4.625% 102.692 102.572 102.452 Libor 99.779 100.134 100.480 100.641 100.940 101.263 101.634 101.973 102.282 #710011 (DU) - 7/1 Arm Caps: 5/2/5 Margin: 2.250 Index: 3.625% 99.941 99.821 99.701 3.750% 100.580 100.460 100.340 3.875% 101.018 100.898 100.778 4.000% 101.053 100.933 100.813 4.125% 101.242 101.122 101.002 4.250% 101.638 101.518 101.398 4.375% 102.062 101.942 101.822 4.500% 102.484 102.364 102.244 4.625% 102.874 102.754 102.634 Libor 99.531 100.170 100.608 100.643 100.832 101.228 101.652 102.074 102.464 Libor 99.753 100.266 100.378 100.589 100.950 101.316 101.696 102.115 102.244 4.250% 4.375% 4.500% 4.625% 4.750% 4.875% 5.000% 5.125% 5.250% 5.375% 5.500% (DU Arm Products: Max LTV = 90%) #510012 (LP) - 5/1 Arm 2/2/5 Margin: 2.250 Index: 100.037 99.917 99.797 100.544 100.424 100.304 100.890 100.770 100.650 100.993 100.873 100.753 101.278 101.158 101.038 101.673 101.553 101.433 102.044 101.924 101.804 102.383 102.263 102.143 102.692 102.572 102.452 Libor 99.627 100.134 100.480 100.583 100.868 101.263 101.634 101.973 102.282 Caps: 3.625% 3.750% 3.875% 4.000% 4.125% 4.250% 4.375% 4.500% 4.625% #710012 (LP) - 7/1 Arm 5/2/5 Margin: 2.250 Index: 99.881 99.761 99.641 100.580 100.460 100.340 101.018 100.898 100.778 101.053 100.933 100.813 101.182 101.062 100.942 101.638 101.518 101.398 102.062 101.942 101.822 102.484 102.364 102.244 102.874 102.754 102.634 Libor 99.471 100.170 100.608 100.643 100.772 101.228 101.652 102.074 102.464 97.866 98.559 98.852 99.222 99.705 100.304 100.641 101.024 101.363 101.800 102.222 102.607 102.947 100% GIFT PROGRAM #910011 (DU) - 10/1 Arm Caps: 5/2/5 Margin: 2.250 Index: 3.750% 100.163 100.043 99.923 3.875% 100.676 100.556 100.436 4.000% 100.788 100.668 100.548 4.125% 100.999 100.879 100.759 4.250% 101.360 101.240 101.120 4.375% 101.726 101.606 101.486 4.500% 102.106 101.986 101.866 4.625% 102.525 102.405 102.285 4.750% 102.654 102.534 102.414 #300009 - 30 Year Fixed 100.453 100.343 100.233 100.972 100.862 100.752 101.504 101.394 101.284 102.015 101.905 101.795 102.558 102.448 102.338 103.103 102.993 102.883 103.639 103.529 103.419 104.324 104.214 104.104 104.912 104.802 104.692 105.398 105.288 105.178 105.634 105.524 105.414 100.123 100.642 101.174 101.685 102.228 102.773 103.309 103.994 104.582 105.068 105.304 100% Gift Parameters FREDDIE MAC (LP) -- CONFORMING ARM PROGRAMS Caps: 3.625% 3.750% 3.875% 4.000% 4.125% 4.250% 4.375% 4.500% 4.625% #100000 - 10 Year Fixed 98.196 98.086 97.976 98.889 98.779 98.669 99.182 99.072 98.962 99.552 99.442 99.332 100.035 99.925 99.815 100.634 100.524 100.414 100.971 100.861 100.751 101.354 101.244 101.134 101.693 101.583 101.473 102.130 102.020 101.910 102.552 102.442 102.332 102.937 102.827 102.717 103.277 103.167 103.057 Caps: 3.625% 3.750% 3.875% 4.000% 4.125% 4.250% 4.375% 4.500% 4.625% #910012 (LP) - 10/1 Arm 5/2/5 Margin: 2.250 Index: 99.384 99.264 99.144 100.163 100.043 99.923 100.676 100.556 100.436 100.788 100.668 100.548 100.881 100.761 100.641 101.174 101.054 100.934 101.655 101.535 101.415 102.106 101.986 101.866 102.525 102.405 102.285 Libor 98.974 99.753 100.266 100.378 100.471 100.764 101.245 101.696 102.115 Min FICO = 640 Max DTI = 45% 1-Unit Properties Only Primary Residence Only LPMI is available (LP Arm Products: Max LTV = 95%) FHA / VA PROGRAMS #300100 4.250% 4.375% 4.500% 4.625% 4.750% 4.875% 5.000% 5.125% 5.250% 5.375% 5.500% / #300113 101.562 102.062 102.517 102.885 103.309 103.667 103.973 103.687 104.650 104.238 104.162 - 30 Yr Fixed - FHA/Stream 101.412 101.292 101.152 101.912 101.792 101.652 102.367 102.247 102.107 102.735 102.615 102.475 103.159 103.039 102.899 103.517 103.397 103.257 103.823 103.703 103.563 103.537 103.417 103.277 104.500 104.380 104.240 104.088 103.968 103.828 104.012 103.892 103.752 #300200 / #300214 - 30 Yr Fixed - VA/IRRRL 4.000% 100.510 100.360 100.240 100.100 4.125% 100.945 100.795 100.675 100.535 4.250% 101.836 101.686 101.566 101.426 4.375% 102.274 102.124 102.004 101.864 4.500% 102.635 102.485 102.365 102.225 4.625% 102.932 102.782 102.662 102.522 4.750% 103.498 103.348 103.228 103.088 4.875% 103.768 103.618 103.498 103.358 5.000% 103.993 103.843 103.723 103.583 5.125% 103.937 103.787 103.667 103.527 5.250% 104.835 104.685 104.565 104.425 #150100 3.500% 3.625% 3.750% 3.875% 4.000% 4.125% 4.250% 4.375% 4.500% 4.625% 4.750% / #150113 100.729 101.262 101.875 102.296 102.698 103.103 103.495 102.945 103.214 103.277 103.201 - 15 Yr Fixed - FHA/Stream 100.579 100.459 100.319 101.112 100.992 100.852 101.725 101.605 101.465 102.146 102.026 101.886 102.548 102.428 102.288 102.953 102.833 102.693 103.345 103.225 103.085 102.795 102.675 102.535 103.064 102.944 102.804 103.127 103.007 102.867 103.051 102.931 102.791 #300216 - VA 30 Yr Cash Out to 100% 4.250% 101.858 101.708 101.588 101.448 4.375% 102.296 102.146 102.026 101.886 4.500% 102.657 102.507 102.387 102.247 4.625% 102.932 102.782 102.662 102.522 4.750% 103.520 103.370 103.250 103.110 4.875% 103.790 103.640 103.520 103.380 5.000% 104.015 103.865 103.745 103.605 5.125% 103.937 103.787 103.667 103.527 #150216 - VA 15 Yr Cash Out to 100% 3.625% 100.880 100.730 100.610 100.470 3.750% 101.625 101.475 101.355 101.215 3.875% 102.046 101.896 101.776 101.636 4.000% 102.448 102.298 102.178 102.038 4.125% 102.853 102.703 102.583 102.443 4.250% 103.245 103.095 102.975 102.835 4.375% 102.679 102.529 102.409 102.269 4.500% 102.887 102.737 102.617 102.477 #300215 - 30 Yr VA IRRRL w/No Appraisal 4.000% 100.465 100.315 100.195 100.055 4.125% 100.898 100.748 100.628 100.488 4.250% 101.494 101.344 101.224 101.084 4.375% 101.923 101.773 101.653 101.513 4.500% 102.308 102.158 102.038 101.898 4.625% 102.694 102.544 102.424 102.284 4.750% 102.723 102.573 102.453 102.313 4.875% 103.060 102.910 102.790 102.650 Price Caps 30/25 Yr FHA/VA Programs = 105.000 All Other FHA/VA Programs = 105.000 VA Program Notes VA IRRRL w/No Appraisal is Not Available on 15 Yr The MSI admin fee is NOT charged on the VA programs Expiration Dates 15 Day 30 Day 45 Day 60 Day 90 Day 3/19/18 4/2/18 4/16/18 5/1/18 5/31/18 3.500% 3.625% 3.750% 3.875% 4.000% 4.125% 4.250% 4.375% 4.500% 4.625% 4.750% #150200 - 15 Year Fixed - VA 100.677 100.527 100.407 101.210 101.060 100.940 101.741 101.591 101.471 102.209 102.059 101.939 102.554 102.404 102.284 102.970 102.820 102.700 103.245 103.095 102.975 102.679 102.529 102.409 102.887 102.737 102.617 102.803 102.653 102.533 102.951 102.801 102.681 #510100 - 5/1 FHA Arm - Treasury Caps: 1/5 Margin: 2.000 3.750% 101.070 100.920 100.770 100.570 3.875% 101.381 101.231 101.081 100.881 4.000% 101.954 101.804 101.654 101.454 4.125% 101.812 101.662 101.512 101.312 3.750% 3.875% 4.000% 4.125% #510200 - 5/1 VA Arm - Treasury 100.793 100.643 100.493 100.293 101.046 100.896 100.746 100.546 101.887 101.737 101.587 101.387 101.390 101.240 101.090 100.890 NEWS & NOTES In accordance with the final Federal Reserve Board ruling, this published pricing structure may be used in connection with your "Borrower Paid Compensation structures. Please refer to your individual U/W Turn Times: company's executed compensation agreement with MSI, to determine your prescribed premium/commission structure if opting for the "Lender Paid Compensation" structure. Working date file moved from Review to UW: Conv: Gov't 2/27 2/27 Conditions: 2/27 Updated: 2/28 Page 1 of 5 USDA 2/27 For program/pricing on 5-10 financed properties, see online pricing system (OB). 75 & 90 day locks now available on the conforming fixed products! All "Wholesale" transactions must be "Lender Paid Comp". Mortgage Services III, L.L.C. is a wholly owned subsidiary of First State Bank This rate sheet is intended for Mortgage Professionals only. Max price paid is 105.000 unless otherwise noted. 100.267 100.800 101.331 101.799 102.144 102.560 102.835 102.269 102.477 102.393 102.541 3/2/2018 MSI-Wholesale Mortgage Services III, L.L.C. Home Office Ph. #: 888-664-9108 Oakbrook Office Ph. #: 630-396-3553 Pricing E-Fax #: 309-807-4993 Web Site: www.msiloans.biz Pricing E-Mail: msipricing@msiloans.biz Current Wholesale Rate Sheet 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 60 Day Rate 15-Day 30 Day 45 Day 60 Day High Balance Programs 4.125% 4.250% 4.375% 4.500% 4.625% 4.750% 4.875% Conventional - High Balance 30 Year Fixed (DU) - #300017 99.166 99.056 98.946 99.816 99.706 99.596 100.412 100.302 100.192 101.059 100.949 100.839 101.638 101.528 101.418 102.256 102.146 102.036 102.741 102.631 102.521 98.836 99.486 100.082 100.729 101.308 101.926 102.411 3.750% 3.875% 4.000% 4.125% 4.250% 4.375% 4.500% Conventional - High Balance 15 Year Fixed (DU) - #150017 99.781 99.671 99.561 100.294 100.184 100.074 100.786 100.676 100.566 101.281 101.171 101.061 101.824 101.714 101.604 102.293 102.183 102.073 102.701 102.591 102.481 99.451 99.964 100.456 100.951 101.494 101.963 102.371 4.000% 4.125% 4.250% 4.375% 4.500% 4.625% 4.750% FHA - High Balance 30 Year Fixed - #300117 100.686 100.486 100.236 101.056 100.856 100.606 101.412 101.212 100.962 101.844 101.644 101.394 102.246 102.046 101.796 102.659 102.459 102.209 103.017 102.817 102.567 3.375% 3.500% 3.625% 3.750% 3.875% 4.000% 4.125% 100.086 100.456 100.812 101.244 101.646 102.059 102.417 FHA Streamline - High Balance 30 Year Fixed - #300148 97.268 97.068 96.818 96.668 97.755 97.555 97.305 97.155 98.216 98.016 97.766 97.616 99.791 99.591 99.341 99.191 100.228 100.028 99.778 99.628 100.536 100.336 100.086 99.936 100.863 100.663 100.413 100.263 4.000% 4.125% 4.250% 4.375% 4.500% 4.625% 4.750% VA - High Balance 30 Year Fixed - #300217 100.436 100.236 99.986 100.848 100.648 100.398 101.665 101.465 101.215 102.046 101.846 101.596 102.534 102.334 102.084 102.901 102.701 102.451 102.997 102.797 102.547 99.836 100.248 101.065 101.446 101.934 102.301 102.397 VA - Jumbo 30 Year Fixed - #300245 Same as VA High Balance Pricing FHA High Balance Program Min FICO = 640 (Purchase or R/T Refi) Min FICO = 660 (Cash Out Refi) Min FICO = 680 (Streamline) VA High Balance & VA Jumbo Program Min FICO: 660 IRRRL's - Not available Max loan amount = $700,000 Any applicable agency adjusters apply. Conforming Fixed/Arm & High Balance Price Adjustments Loan Amount $20,000 - $59,999 $60,000 - $89,999 $90,000 - $139,999 $140,000 - $199,999 $200,000 - $299,999 $300,000 - $399,999 $400,000 to conf non-HB limit Misc. Adjustments -.150 N/O/O: LTV <= 75.00% -2.125 -.125 N/O/O: LTV 75.01% - 80.00% -3.375 -.100 N/O/O: LTV 80.01% - 85.00% -4.125 -1.000 75 day lock (from 60 day price) * -.175 No Adj. 90 day lock (from 60 day price) * -.375 -.750 Fannie 97 (LTV 95.01 - 97.00%) No Adj. See online (OB) for pricing on 5-10 financed properties * 75 & 90 day lock only available on conforming fixed programs: #300000, #200000, #150000, #100000 -1.750 -1.000 -.375 No Adj +.250 +.500 +.550 State Adjusters -.125 -.050 No Adj CO, NV AZ, NM, UT, WY AL, CA, FL, IA, ID, IL, IN, KS, KY, MI, MN, MO, MT, SD, TN, VA, WA, WI AR, GA, LA, MS, NC, NE, OH, OR, +.100 SC OK, PA TX Current Index Treasury 2.020% Libor 2.497% Week Ending 3/2 Escrow Waiver Escrow Waiver (Ins Only) CA Escrow Waiver (ltv < 90% allowed) 2-4 Unit Condo - LTV<=75.00% (> 15 yr terms) Condo - LTV>75.00% (> 15 yr terms) +.150 +.250 High Balance Cash Out Refi (in addition to agency) -1.000 Purch, R/T Refi (in addition to agency) -.250 LTV/CLTV <= 75% (ARM Only) -.750 LTV/CLTV > 75% <= 90% (ARM Only) -1.500 LTV/CLTV > 90% (ARM Only) -1.750 Loan amount adj do not apply N/O/O: LTV <= 65%, Min 740 FICO Max loan amount of $625,500 above 80% LTV All loans must meet State/County loan limits FICO <=60.00% >= 740 720 - 739 700 - 719 680 - 699 No Adj. No Adj. No Adj. No Adj. 60.01 70.00% -.250 -.250 -.500 -.500 660 640 620 600 - No Adj. -.500 -.500 -.500 -1.000 -1.250 -1.500 -1.500 679 659 639 619 FICO >= 740 720 - 739 700 - 719 680 - 699 660 - 679 640 - 659 620 - 639 Price Cap = 105.000, unless otherwise noted. All adjustments are cumulative. Agency FICO/LTV Adjustments 70.01 75.01 80.01 75.00% 80.00% 85.00% -.250 -.500 -.250 -.500 -.750 -.500 -1.000 -1.250 -1.000 -1.250 -1.750 -1.500 -2.250 -2.750 -3.000 N/A -2.750 -3.000 -3.000 N/A Cash Out - Agency FICO/LTV Adj <=60.00% 60.01 70.01 75.01 -.375 -.375 -.375 -.375 -.625 -.625 -.625 70.00% -.625 -1.000 -1.000 -1.125 -1.125 -1.625 N/A 75.00% -.625 -1.000 -1.000 -1.125 -1.125 -1.625 N/A 80.00% -.875 -1.125 -1.125 -1.750 -1.875 -2.625 N/A -2.750 -3.250 -3.250 N/A 85.01 90.00% -.250 -.500 -1.000 -1.250 90.01 95.00% -.250 -.500 -1.000 -1.250 95.01 97.00% -.750 -1.000 -1.500 -1.500 -2.250 -2.750 -3.250 N/A -2.250 -2.750 -3.250 N/A -2.250 -2.750 -3.500 N/A Secondary Financing FICO CLTV < 720 >= 720 <= 75 <= 80 0 0 <= 65 >80 <=95 -.500 -.250 >65 <=75 >80 <=95 -.750 -.500 >75 <=90 >76 <=90 -1.000 -.750 LTV Applicable to all loan terms greater than 15 years. >75 <=95 >90 <=95 <= 95 >95 <=97 -1.000 -1.500 -.750 -1.500 Applicable to all loan terms. Above grid is in addition to .375 sub fin adj. Cash out adjustments are applicable to all loan terms. 80.01 85.00% N/A N/A N/A N/A N/A N/A N/A Conforming Fixed LPMI & Split MI (Not applicable to HB programs) LPMI Program #'s 30 Yr LPMI - #300001 25 Yr LPMI - #250001 20 Yr LPMI - #200001 15 Yr LPMI - #150001 10 Yr LPMI - #100001 LTV 90.01 - 95.00% 85.01 - 90.00% 80.01 - 85.00% 25 Yr Term 760+ -1.60 -1.20 -0.62 0 25-30 Yr Terms - LPMI 740-759 720-739 700-719 680-699 660-679 640-659 -2.25 -2.75 -3.21 -3.94 -5.16 -6.40 -1.70 -2.10 -2.49 -3.01 -4.06 -5.00 -0.75 -0.90 -0.97 -1.13 -1.52 -1.81 0 0 0 0 0 0 LTV 90.01 - 95.00% 85.01 - 90.00% 80.01 - 85.00% 760+ -0.95 -0.59 -0.43 10-20 Yr Terms - LPMI 740-759 720-739 700-719 680-699 660-679 640-659 -1.24 -1.50 -1.74 -2.08 -2.66 -2.77 -0.72 -0.84 -0.95 -1.10 -1.40 -1.43 -0.47 -0.49 -0.53 -0.58 -0.69 -0.71 Split MI with FICO 740+ Upfront Upfront Upfront Upfront LTV .50% .75% 1.00% 1.25% 90.01 - 95.00% .48 .42 .37 .31 85.01 - 90.00% .28 .22 .15 .09 80.01 - 85.00% .03 0 0 0 (Factors listed above indicate monthly MI payment factor in addition to the upfront borrower paid premium & may vary by MI company) LPMI Adjustments (in addition to base LPMI adj) 760+ 740-759 720-739 700-719 680-699 660-679 640-659 0.00 0.00 0.00 -0.42 -0.54 -0.69 -0.84 -0.36 -0.39 -0.49 -0.60 -0.70 -1.23 -1.27 Split MIProgram #'s 30 Yr Split MI - #300002 25 Yr Split MI - #250002 20 Yr Split MI - #200002 15 Yr Split MI - #150002 10 Yr Split MI - #100002 Rate/Term Refi Second Home All LPMI adjustments are in addition to the standard agency (FICO/LTV) adjustments. FHA / VA Price Adjustments (Conf & High Balance) Loan Amount $30,000 - 74,999 $75,000 - $119,999 $120,000 - $199,999 $200,000 - $249,999 $250,000 to non-HB limit FICO -1.000 -.375 No Adj. +.250 +.500 FICO 620 - 639 FICO 640 - 659 FICO 660 - 679 FICO 720+ -1.250 -.500 -.250 +.250 Misc. FHA Streamline (Min FICO = 660) -.250 FHA Streamline w/FICO < 660: See page 4 FHA Refi (Fixed Only-Non Streamline Doc) -.125 20 Year Term = Same as 30 yr pricing 25 Year Term = Same as 30 yr pricing VA loans not available in DC, MA, NY, RI, WV * * * * * * * Gov't Program Features FHA cash out refi max LTV = 85% N/O/O not allowed. FHA Streamlines - SFR, O/O only #250100 - 25 Year Fixed - FHA #250200 - 25 Year Fixed - VA #200100 - 20 Year Fixed - FHA #200200 - 20 Year Fixed - VA State Adjusters GA, NV, OH AL, AZ, CO, TN, UT AR, CA, FL, IA, ID, IL, IN, KS, KY, LA, MI, MN, MO, MS, MT, NC, NE, NM, OK, OR, PA, SC, SD, TX, VA, WA, WI, WY Page 2 of 5 -.250 -.125 No Adj. Mortgage Services III, L.L.C. is a wholly owned subsidiary of First State Bank This rate sheet is intended for Mortgage Professionals only. Max price paid is 105.000 unless otherwise noted. VA ID #: 709904-00-00 FHA ID #: 24618-0000-2 3/2/2018 MSI-Wholesale Mortgage Services III, L.L.C. Home Office Ph. #: 888-664-9108 Oakbrook Office Ph. #: 630-396-3553 Pricing E-Fax #: 309-807-4993 Web Site: www.msiloans.biz Pricing E-Mail: msipricing@msiloans.biz Current Wholesale Rate Sheet 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 60 Day Rate 15-Day 30 Day 45 Day 60 Day DU Refi Plus Program 4.250% 4.375% 4.500% 4.625% 4.750% 4.875% 5.000% DU Refi Plus Program 30 Year Fixed - #300003 100.454 100.344 100.234 100.973 100.863 100.753 101.506 101.396 101.286 101.957 101.847 101.737 102.502 102.392 102.282 102.999 102.889 102.779 103.409 103.299 103.189 FICO <=60.00% >= 740 720 - 739 700 - 719 680 - 699 660 - 679 640 - 659 No Adj. No Adj. No Adj. No Adj. No Adj. -.500 20 & 30 Year Terms 60.01 70.01 70.00% 75.00% -.250 -.250 -.500 -.250 -.500 -.750 -.500 -.750 -1.000 -1.500 -1.250 -2.000 4.000% 4.125% 4.250% 4.375% 4.500% 4.625% 4.750% 100.124 100.643 101.176 101.627 102.172 102.669 103.079 75.01 80.00% -.250 -.250 -.750 -.750 -1.750 -2.000 80.01 85.00% No Adj. No Adj. -.500 -.750 -.750 -.750 DU Refi Plus Program 20 Year Fixed - #200003 100.019 99.909 99.799 100.686 100.576 100.466 101.596 101.486 101.376 102.006 101.896 101.786 102.536 102.426 102.316 102.925 102.815 102.705 103.313 103.203 103.093 30 Year Terms Only 85.01 90.01 95.01 90.00% 95.00% 97.00%** No Adj. No Adj. No Adj. No Adj. No Adj. No Adj. -.500 -.500 -.500 -.750 -.750 -.500 -.750 -.750 -.750 -.750 -.750 -.750 99.689 100.356 101.266 101.676 102.206 102.595 102.983 3.750% 3.875% 4.000% 4.125% 4.250% 4.375% 4.500% FICO 97.01 105%** No Adj. No Adj. -.500 -.500 -.750 -.750 DU Refi Plus Program 15 Year Fixed - #150003 99.801 99.691 99.581 100.242 100.132 100.022 100.967 100.857 100.747 101.325 101.215 101.105 101.647 101.537 101.427 102.042 101.932 101.822 102.450 102.340 102.230 <=60.00% 2 Unit ** High LTV -.500 0 .750 0 2.000 2.000 ** Special Note ** New LTV/CLTV: 105% / 110% 2nd Homes now available with 680+ FICO (Applies to all DU Refi Plus programs) 70.01 75.01 80.01 85.01 75.00% 80.00% 85.00% 90.00% -.500 -.500 -.500 -.500 0 0 0 0 60.01 70.00% -.500 0 90.01 95.00% -.500 0 95.01 97.00%** -.500 -.500 97.01 105%** -.500 -.500 DU Refi Plus w/MI 30 Year Fixed - #300004 99.369 99.259 99.149 100.454 100.344 100.234 100.973 100.863 100.753 101.506 101.396 101.286 101.957 101.847 101.737 102.502 102.392 102.282 102.999 102.889 102.779 103.409 103.299 103.189 "Capped" Price Adjustments CLTV of 75.01 - 90% CLTV of 90.01 - 95% CLTV of 95.01 - 110% Condo w/LTV > 75% (terms > 15 yrs) 15 & 20 Year Terms with LTV > 80% -.625 -.875 -1.875 -.750 No Adj 4.125% 4.250% 4.375% 4.500% 4.625% 4.750% 4.875% 5.000% 99.039 100.124 100.643 101.176 101.627 102.172 102.669 103.079 3.250% 3.375% 3.500% 3.625% 3.750% 3.875% 4.000% 4.125% DU Refi Plus w/MI 15 Year Fixed - #150004 97.976 97.866 97.756 97.646 98.360 98.250 98.140 98.030 98.832 98.722 98.612 98.502 99.329 99.219 99.109 98.999 99.801 99.691 99.581 99.471 100.242 100.132 100.022 99.912 100.967 100.857 100.747 100.637 101.325 101.215 101.105 100.995 LP Relief "Open Access" Program 4.250% 4.375% 4.500% 4.625% 4.750% 4.875% 5.000% 5.125% LP Relief Program 30 Year Fixed - #300007 100.244 100.134 100.024 100.799 100.689 100.579 101.300 101.190 101.080 101.897 101.787 101.677 102.479 102.369 102.259 102.944 102.834 102.724 103.421 103.311 103.201 103.955 103.845 103.735 3.750% 3.875% 4.000% 4.125% 4.250% 4.375% 4.500% LP Relief Program 15 Year Fixed - #150007 99.843 99.733 99.623 100.365 100.255 100.145 101.003 100.893 100.783 101.482 101.372 101.262 101.984 101.874 101.764 102.397 102.287 102.177 102.400 102.290 102.180 99.914 100.469 100.970 101.567 102.149 102.614 103.091 103.625 4.250% 4.375% 4.500% 4.625% 4.750% 4.875% 5.000% LP Relief w/MI 30 Year Fixed - #300008 100.040 99.930 99.820 100.606 100.496 100.386 101.281 101.171 101.061 101.897 101.787 101.677 102.479 102.369 102.259 102.944 102.834 102.724 103.421 103.311 103.201 3.750% 3.875% 4.000% 4.125% 4.250% 4.375% 4.500% LP Relief w/MI 15 Year Fixed - #150008 99.843 99.733 99.623 100.365 100.255 100.145 101.003 100.893 100.783 101.482 101.372 101.262 101.984 101.874 101.764 102.397 102.287 102.177 102.400 102.290 102.180 FICO 99.710 100.276 100.951 101.567 102.149 102.614 103.091 LP Relief - FICO/LTV Adj. (Applies to 30 Yr Program Only) 60.01 70.01 75.01 80.01 85.01 95.01 70.00% 75.00% 80.00% 85.00% 95.00% 97.00%** +.250 No Adj. No Adj. -.250 No Adj. No Adj. No Adj. +.250 No Adj. -.250 -.500 No Adj. No Adj. No Adj. +.250 -.500 -.750 -1.000 -.500 -.500 -.500 No Adj. -.500 -1.250 -1.750 -1.000 -.750 -.750 No Adj. -1.000 -2.250 -2.750 -2.250 -1.750 -1.750 -.500 -1.250 -2.750 -3.000 -2.750 -2.250 -2.250 97.01 105%** No Adj. No Adj. -.500 -.750 -1.750 -2.250 Applies to both 30 Yr & 15 Yr Programs: -1.000 -1.000 -1.000 -1.000 -1.000 0 0 0 0 0 -.250 -.250 -.250 n/a n/a -1.000 -1.000 n/a <=60.00% >= 740 720 - 739 700 - 719 680 - 699 660 - 679 640 - 659 2 Unit 99.513 100.035 100.673 101.152 101.654 102.067 102.070 -1.000 0 -.250 ** High LTV No Escrow 99.513 100.035 100.673 101.152 101.654 102.067 102.070 -1.000 -.500 n/a New Adjustment Caps Subordinate Financing 30 Yr Fixed w/LTV > 80% .750 CLTV of 75.01 - 90% 30 Yr Fixed w/LTV <= 80% 2.000 CLTV of 90.01 - 95% 15 Yr Fixed w/LTV > 80% 0 CLTV of 95.01 - 110% 15 Yr Fixed w/LTV <= 80% 2.000 Loan amount & state adjusters from page 1 apply. Condo's not allowed on this program. (Adj caps include all adjustments EXCEPT escrow waiver and loan amount adj.) -.750 -1.000 -1.500 RURAL DEVELOPMENT #300300 - 30 Year Fixed - Rural Housing 4.000% 100.425 100.197 100.017 99.794 4.125% 100.922 100.694 100.514 100.291 4.250% 101.496 101.268 101.088 100.865 4.375% 101.991 101.763 101.583 101.360 4.500% 102.474 102.246 102.066 101.843 4.625% 102.937 102.709 102.529 102.306 4.750% 103.377 103.149 102.969 102.746 4.875% 103.666 103.438 103.258 103.035 5.000% 104.099 103.871 103.691 103.468 5.125% 103.773 103.545 103.365 103.142 5.250% 104.593 104.365 104.185 103.962 Max GRH Rate = 5.250% Loan Amount Adjustments <= $55,000 $55,001 - $75,000 $75,001 - $100,000 $100,001 - $150,000 $150,001+ FICO Adjustments FICO 640 - 659 FICO 660 - 679 FICO 680 - 699 FICO 700 - 719 FICO 720+ -1.500 -.750 -.500 No Adj. +.250 ** Special Note ** 5/18/16: Updated Adjusters -.625 -.250 No Adj. +.100 +.200 Extended Lock Programs Conforming Fixed Rate Program: FHA / VA Fixed Rate Program: Available on conforming fixed rate only (30 yr, 20 yr, 15 yr, 10 yr) 60 day price minus .250 is used, plus applicable rate add on. (Plus/minus any applicable adjusters) Refer to chart below for Rate Add On and Refundable Upfront Fee: 90 Days: 120 Days: 150 Days: 180 Days: .375 Upfront Fee .625 Upfront Fee .875 Upfront Fee 1.125 Upfront Fee Days Upfront Fee Refund @ Closing Rate Add-On 90 0.375% 0.00% 0.000% 120 0.625% 0.00% 0.000% 180 1.000% 0.00% 0.125% 270 1.000% 0.00% 0.250% 360 1.000% 0.00% 0.375% (Upfront fee is due MSI within 5 days of lock and is non-refundable if withdrawn or denied) Once the loan is locked, the upfront fee is owed. Page 3 of 5 -.125 -.250 -.250 (Adjustment caps apply to all of the above) (Adjustment caps apply to all of the above) NEW Adjustment Caps Term > 20 Years and LTV > 80% Term <= 20 Years and LTV > 80% All Terms with LTV <= 80% 2nd Homes, all LTV's & Terms 99.471 99.912 100.637 100.995 101.317 101.712 102.120 "Un-Capped" Price Adjustments FICO 680 - 739 (all loans) FICO 640 - 679 (all loans) Escrow Waiver (80% LTV or below) State adjusters from page 1 apply. (Adjustment caps do not apply to these adj) Mortgage Services III, L.L.C. is a wholly owned subsidiary of First State Bank This rate sheet is intended for Mortgage Professionals only. Max price paid is 105.000 unless otherwise noted. Available for FHA/VA 30 yr & 15 yr Upfront fee is non-refundable/not credited & due within 5 days. 60 day pricing is used. Indicate desired lock period in comments when locking online. FHA: All lock periods are available VA: Only available for 90 or 120 days (N/A for 150 & 180 days) 3/2/2018 MSI-Wholesale Mortgage Services III, L.L.C. Home Office Ph. #: 888-664-9108 Oakbrook Office Ph. #: 630-396-3553 Pricing E-Fax #: 309-807-4993 Web Site: www.msiloans.biz Pricing E-Mail: msipricing@msiloans.biz Current Wholesale Rate Sheet 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 60 Day Rate 15-Day 30 Day 45 Day 60 Day Jumbo Programs 4.250% 4.375% 4.500% 4.625% 4.750% 4.875% 5.000% 5.125% 5.250% Caps: 4.125% 4.250% 4.375% 4.500% 4.625% #300440 97.987 98.612 99.237 99.737 100.237 100.737 101.237 101.737 102.237 - 30 Year Jumbo 97.924 97.862 98.549 98.487 99.174 99.112 99.674 99.612 100.174 100.112 100.674 100.612 101.174 101.112 101.674 101.612 102.174 102.112 #510440 - 5/1 Arm 2/2/5 Margin: 2.250 Index: 100.155 100.092 100.030 100.530 100.467 100.405 100.905 100.842 100.780 101.280 101.217 101.155 101.655 101.592 101.530 97.799 98.424 99.049 99.549 100.049 100.549 101.049 101.549 102.049 4.250% 4.375% 4.500% 4.625% 4.750% 4.875% 5.000% 5.125% 5.250% Libor 99.967 100.342 100.717 101.092 101.467 Caps: 4.250% 4.375% 4.500% 4.625% 4.750% #200440 98.487 99.112 99.737 100.237 100.737 101.237 101.737 102.237 102.737 - 20 Year Jumbo 98.424 98.362 99.049 98.987 99.674 99.612 100.174 100.112 100.674 100.612 101.174 101.112 101.674 101.612 102.174 102.112 102.674 102.612 #710440 - 7/1 Arm 2/2/5 Margin: 2.250 Index: 100.405 100.342 100.280 100.780 100.717 100.655 101.155 101.092 101.030 101.530 101.467 101.405 101.905 101.842 101.780 Price Adjustments 60.01 - FICO: 800+ 780 - 799 760 - 779 740 - 759 720 - 739 700 - 719 Property: Investment Prop. 3 Unit 4 Unit Cash Out #150440 99.350 99.787 100.225 100.662 101.100 101.537 101.975 102.412 102.787 98.299 98.924 99.549 100.049 100.549 101.049 101.549 102.049 102.549 4.250% 4.375% 4.500% 4.625% 4.750% 4.875% 5.000% 5.125% 5.250% Libor 100.217 100.592 100.967 101.342 101.717 Caps: 4.375% 4.500% 4.625% 4.750% 4.875% - 15 Year Jumbo 99.287 99.225 99.724 99.662 100.162 100.100 100.599 100.537 101.037 100.975 101.474 101.412 101.912 101.850 102.349 102.287 102.724 102.662 #910440 - 10/1 Arm 2/2/5 Margin: 2.250 Index: 100.257 100.194 100.132 100.632 100.569 100.507 101.007 100.944 100.882 101.382 101.319 101.257 101.757 101.694 101.632 Price Adjustments 70.01 75.01 <=60% 70% 75% 80% +.875 +.750 +.500 +.250 0 -.125 +.750 +.625 +.375 +.125 -.250 -.625 +.500 +.375 +.125 -.125 -.500 -.875 +.250 +.125 -.250 -.625 -1.000 -1.375 -1.750 -.375 -1.000 -.250 N/A -.375 -1.000 -.375 N/A N/A N/A N/A N/A N/A N/A N/A 4.000% 4.125% 4.250% 4.375% 4.500% 4.625% 4.750% 4.875% 99.162 99.599 100.037 100.474 100.912 101.349 101.787 102.224 102.599 #100440 98.725 99.287 99.725 100.162 100.600 101.037 101.475 101.912 - 10 Year Jumbo 98.662 98.600 99.224 99.162 99.662 99.600 100.099 100.037 100.537 100.475 100.974 100.912 101.412 101.350 101.849 101.787 98.537 99.099 99.537 99.974 100.412 100.849 101.287 101.724 Libor 100.069 100.444 100.819 101.194 101.569 Program Features Refinance (30 & 20 Yr) Refinance (15 & 10 Yr) Refinance (5/1 & 7/1 Arm) Refinance (10/1 Arm) 2nd Home Loan Amounts >= $1.0 mil -0.125 -0.125 -0.125 -0.125 -.250 +.125 RATE Adjustment Preferred Payment Plan (ACH)* Min FICO = 700 (Fixed) Min FICO = 720 (Arms) Max Loan Amount = $3.0 Mil No Escrow Waiver Fee! State Pricing Special -.250% (To Rate) 30 & 20 Year Fixed (IL, KS, MO) 15 & 10 Year Fixed (IL, KS, MO) Arms (IL, KS, MO) * Rate can be reduced by .250% by setting up an ACH for monthly payments. 0.250 0.125 0.125 Lower FICO FHA/VA Programs 4.500% 4.625% 4.750% 4.875% 5.000% 5.125% 5.250% 5.375% 5.500% 5.625% FHA/VA: 580 - 619 FICO 30 Year Fixed - #300133 101.287 101.012 100.862 101.627 101.352 101.202 101.572 101.297 101.147 101.981 101.706 101.556 102.347 102.072 101.922 102.087 101.812 101.662 102.461 102.186 102.036 101.959 101.684 101.534 102.290 102.015 101.865 102.560 102.285 102.135 100.687 101.027 100.972 101.381 101.747 101.487 101.861 101.359 101.690 101.960 FHA/VA w/FICO 580 - 619 Adjustments FICO 600 - 619 No Adj FICO 580 - 599 -.750 VA - Purchase Only (#300333) -.250 $50,000 - $75,000 -1.000 $75,001 - $125,000 -.375 $125,001+ No Adj 4.500% 4.625% 4.750% 4.875% 5.000% 5.125% 5.250% 5.375% 4.875% 5.000% 5.125% 5.250% 5.375% 5.500% FHA Streamline w/620 Min FICO 30 Year Fixed - #300134 102.273 102.023 101.898 101.748 102.592 102.342 102.217 102.067 103.042 102.792 102.667 102.517 103.276 103.026 102.901 102.751 103.570 103.320 103.195 103.045 103.814 103.564 103.439 103.289 103.770 103.520 103.395 103.245 104.033 103.783 103.658 103.508 FHA Streamline w/FICO 580-619 30 Year Fixed - #300154 101.776 101.526 101.401 101.251 102.070 101.820 101.695 101.545 102.314 102.064 101.939 101.789 102.270 102.020 101.895 101.745 102.533 102.283 102.158 102.008 102.645 102.395 102.270 102.120 FHA Streamline w/620 Min FICO Adj. FICO 680 - 699 +.125 FICO 660 - 679 No Adj FICO 640 - 659 -.250 FICO 620 - 639 -1.250 FHA Streamline w/580 Min FICO Adj. FICO 600 - 619 No Adj FICO 580 - 599 -.750 Loan Amount Adj. $50,000 - $75,000 $75,001 - $125,000 $125,001+ -1.500 -.375 No Adj HomeReady 4.125% 4.250% 4.375% 4.500% 4.625% 4.750% 4.875% 5.000% 5.125% Home Ready (DU) #300053 - 30 Year Fixed 99.578 99.468 99.358 100.364 100.254 100.144 100.883 100.773 100.663 101.478 101.368 101.258 102.027 101.917 101.807 102.556 102.446 102.336 103.043 102.933 102.823 103.574 103.464 103.354 104.094 103.984 103.874 4.250% 4.375% 4.500% 4.625% 4.750% 4.875% 5.000% 5.125% 5.250% Home Possible (LP) #300036 - 30 Year Fixed 100.244 100.134 100.024 100.799 100.689 100.579 101.517 101.407 101.297 101.928 101.818 101.708 102.452 102.342 102.232 103.056 102.946 102.836 103.664 103.554 103.444 104.198 104.088 103.978 104.682 104.572 104.462 99.248 100.034 100.553 101.148 101.697 102.226 102.713 103.244 103.764 FICO <=60.00% >= 740 720 - 739 700 - 719 680 - 699 660 - 679 640 - 659 620 - 639 0 0 0 0 0 -.500 -.500 60.01 70.00% -.250 -.250 -.500 -.500 -1.000 -1.250 -1.500 Home Ready FICO/LTV Adjustments 70.01 75.01 80.01 75.00% 80.00% 85.00% -.250 -.500 0 -.500 -.750 0 -1.000 -1.250 0 -1.250 -1.500 0 -1.500 -1.500 -1.500 -1.500 -1.500 -1.500 -1.500 -1.500 -1.500 85.01 90.00% 0 0 0 0 -1.500 -1.500 -1.500 90.01 95.00% 0 0 0 0 -1.500 -1.500 -1.500 95.01 97.00% 0 0 0 0 -1.500 -1.500 N/A Other Home Ready Adjustments 2-4 Unit Property -1.000 Condo w/LTV 75.01 - 80.00% -.750 Home Ready Adjustment Caps > 80% LTV and >= 680 FICO: Cap = 0.000 > 80% LTV and < 680 FICO: Cap = 1.500 < 80% LTV: Cap = 1.500 All conforming loan amount adjustments from page 2 apply. Home Possible 99.914 100.469 101.187 101.598 102.122 102.726 103.334 103.868 104.352 MI Coverage LTV % Coverage 95.01 - 97% 25% 90.01 - 95% 25% 85.01 - 90% 25% 80.01 - 85% 12% Home Possible FICO/LTV Adjustments LTV <= 80.00% -1.500 LTV > 80.00% & FICO < 680 -1.500 LTV > 80.00% & FICO >= 680 No Adj. Program Features LP is required Max LTV: 97% Borrower income limits apply Loan amount adjustments from page 2 apply. Non-Community Sub Fin -.500 Important Information About MSI: Account Executive Brent Wilder 309-826-0484 bwilder@msiloans.biz ** Rate lock requests accepted until 6:00 pm central time. Overnight price protection is not available. ** Rates/Prices are subject to change without prior notice. Not to be used to determine eligibility. ** All loans must disburse by expiration date and be delivered to MSI within 4 days of disbursement. ** Lower of two median credit scores used for all programs. ** All extension/relock requests must be requested prior to 5 pm ct. Page 4 of 5 Re-Lock Policy 15 Day Relock: Worse Case Pricing 30 Day Relock: Worse Case Pricing (Max of 2 relocks allowed) (2nd relock is max of 15 days and requires a closing date) Mortgage Services III, L.L.C. is a wholly owned subsidiary of First State Bank This rate sheet is intended for Mortgage Professionals only. Max price paid is 105.000 unless otherwise noted. Extension Policy 2 Days (Only if 2 is all that is needed) 1-30 Days (Max = 30 days) 3/2/2018 MSI-Wholesale Free! -.020/day Mortgage Services III, L.L.C. Home Office Ph. #: 888-664-9108 Oakbrook Office Ph. #: 630-396-3553 Pricing E-Fax #: 309-807-4993 Web Site: www.msiloans.biz Pricing E-Mail: msipricing@msiloans.biz Current Wholesale Rate Sheet 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 60 Day Rate 15-Day 30 Day 45 Day 60 Day Medical Doctor Program 4.500% 4.625% 4.750% 4.875% 5.000% 5.125% 5.250% #300062 - 30 Year Fixed - Med Dr. 99.399 99.274 99.149 99.024 99.838 99.713 99.588 99.463 100.386 100.261 100.136 100.011 100.916 100.791 100.666 100.541 101.371 101.246 101.121 100.996 101.814 101.689 101.564 101.439 101.991 101.866 101.741 101.616 4.250% 4.375% 4.500% 4.625% 4.750% 4.875% 5.000% #200062 - 20 Year Fixed - Med Dr. 99.481 99.356 99.231 99.106 100.022 99.897 99.772 99.647 100.360 100.235 100.110 99.985 100.838 100.713 100.588 100.463 101.457 101.332 101.207 101.082 102.052 101.927 101.802 101.677 102.623 102.498 102.373 102.248 3.625% 3.750% 3.875% 4.000% 4.125% 4.250% 4.375% #150062 - 15 Year Fixed - Med Dr. 97.728 97.603 97.478 97.353 98.255 98.130 98.005 97.880 98.768 98.643 98.518 98.393 99.107 98.982 98.857 98.732 99.624 99.499 99.374 99.249 100.011 99.886 99.761 99.636 100.400 100.275 100.150 100.025 3.750% 3.875% 4.000% 4.125% 4.250% 4.375% 4.500% #100062 - 10 Year Fixed - Med Dr. 98.205 98.080 97.955 97.830 98.718 98.593 98.468 98.343 99.057 98.932 98.807 98.682 99.574 99.449 99.324 99.199 99.961 99.836 99.711 99.586 100.350 100.225 100.100 99.975 100.743 100.618 100.493 100.368 All agency & loan amount adjusters from page 2 apply. LPMI options are also available -- Regular LPMI adjusters apply. Page 5 of 5 Mortgage Services III, L.L.C. is a wholly owned subsidiary of First State Bank This rate sheet is intended for Mortgage Professionals only. Max price paid is 105.000 unless otherwise noted. 3/2/2018 MSI-Wholesale
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