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aggressive pricing under most market conditions.
10Year Pr ice is = to 15Year Pr ice subtr act 0.10 20Year pr ice is = to 30Year pr ice plus 0.125 25Year Pr ice is = to 30Year Pr ice
15 Year 10 Day 30 Day 50 Day 60 Day 70 Day 90 Day 30 Year 10 Day 30 Day 50 Day 60 Day 70 Day 90 Day
5.375 99.191 99.143 99.095 98.971 98.847 98.699 5.625 98.885 98.824 98.762 98.631 98.500 98.339
5.500 99.527 99.472 99.418 99.290 99.163 99.008 5.750 99.419 99.350 99.282 99.148 99.013 98.845
5.625 99.799 99.737 99.675 99.545 99.414 99.252 5.875 100.042 99.966 99.891 99.753 99.616 99.440
5.750 100.139 100.070 100.002 99.867 99.733 99.565 5.900 100.166 100.090 100.013 99.875 99.736 99.559
5.875 100.482 100.406 100.331 100.193 100.055 99.880 6.000 100.379 100.296 100.214 100.073 99.932 99.750
6.000 100.615 100.533 100.451 100.310 100.169 99.987 6.125 100.644 100.555 100.466 100.321 100.177 99.988
6.125 100.747 100.658 100.569 100.424 100.280 100.091 6.250 100.879 100.783 100.687 100.539 100.391 100.195
6.250 101.131 101.035 100.939 100.791 100.643 100.447 6.375 101.266 101.163 101.060 100.909 100.757 100.555
6.375 101.336 101.233 101.131 100.979 100.828 100.625 6.400 101.363 101.259 101.155 101.003 100.851 100.646
6.500 101.477 101.367 101.257 101.103 100.948 100.738 6.500 101.437 101.328 101.218 101.063 100.908 100.699
6.625 101.613 101.497 101.380 101.222 101.064 100.847 6.625 101.555 101.439 101.322 101.164 101.006 100.789
6.750 101.687 101.564 101.441 101.279 101.118 100.894 6.750 101.703 101.579 101.456 101.294 101.133 100.910
6.875 102.083 101.953 101.823 101.657 101.492 101.262 6.875 102.153 102.023 101.893 101.728 101.563 101.332
7.000 102.251 102.114 101.977 101.809 101.640 101.403 7.000 102.395 102.258 102.121 101.953 101.784 101.547
Fannie Mae Jumbo 15 Year Fixed Fannie Mae Jumbo 30 Year Fixed
15 Year 10 Day 30 Day 50 Day 60 Day 70 Day 30 Year 10 Day 30 Day 50 Day 60 Day 70 Day
5.125 98.536 98.502 98.468 98.350 98.233 5.500 98.775 98.720 98.665 98.538 98.411
5.250 98.961 98.920 98.878 98.758 98.637 Fannie Mae Jumbo 5.625 99.320 99.259 99.197 99.066 98.935
5.375 99.425 99.377 99.329 99.205 99.081 doc #5337 5.750 99.722 99.654 99.585 99.451 99.317
5.500 99.768 99.713 99.658 99.531 99.403 5.875 100.265 100.190 100.114 99.977 99.839
5.625 100.110 100.048 99.986 99.856 99.725 6.000 100.607 100.525 100.443 100.301 100.160
5.750 100.371 100.303 100.234 100.100 99.966 6.125 100.955 100.866 100.777 100.632 100.488
5.875 100.697 100.622 100.546 100.409 100.271 6.250 101.192 101.096 101.000 100.852 100.704
6.000 100.884 100.801 100.719 100.578 100.437 6.375 101.536 101.434 101.331 101.180 101.028
6.125 101.069 100.980 100.891 100.747 100.602 6.500 101.702 101.593 101.483 101.328 101.173
6.250 101.160 101.064 100.968 100.820 100.672 6.625 101.874 101.758 101.642 101.483 101.325
6.375 101.356 101.253 101.150 100.999 100.847 6.750 101.967 101.844 101.721 101.559 101.397
6.500 101.609 101.499 101.390 101.235 101.080 6.875 102.194 102.064 101.934 101.769 101.604
Freddie Mac Jumbo 15 Year Fixed Freddie Mac Jumbo 30 Year Fixed
15 Year 10 Day 30 Day 50 Day 60 Day 70 Day 30 Year 10 Day 30 Day 50 Day 60 Day 70 Day
6.125 98.997 98.908 98.819 98.674 98.530 5.875 98.292 98.216 98.141 98.003 97.866
6.250 99.381 99.285 99.189 99.041 98.893 Freddie Mac Jumbo 6.000 98.629 98.546 98.464 98.323 98.182
6.375 99.586 99.483 99.381 99.229 99.078 doc #5338 6.125 98.894 98.805 98.716 98.571 98.427
6.500 99.727 99.617 99.507 99.353 99.198 6.250 99.129 99.033 98.937 98.789 98.641
6.625 99.863 99.747 99.630 99.472 99.314 6.375 99.516 99.413 99.310 99.159 99.007
6.750 99.937 99.814 99.691 99.529 99.368 6.500 99.687 99.578 99.468 99.313 99.158
6.875 100.333 100.203 100.073 99.907 99.742 6.625 99.805 99.689 99.572 99.414 99.256
7.000 100.501 100.364 100.227 100.059 99.890 6.750 99.953 99.829 99.706 99.544 99.383
Fannie Mae Jumbo 30 Year Int-Only (10Y I-O Term) Fr eddie Mac Jum bo 30 Year Int-Only (10Y I-O Ter m )
30 Year 10 Day 30 Day 50 Day 60 Day 70 Day 30 Year 10 Day 30 Day 50 Day 60 Day 70 Day
6.500 98.290 98.180 98.071 97.916 97.761 6.750 96.944 96.821 96.698 96.536 96.375
6.625 98.445 98.329 98.213 98.054 97.896 6.875 97.322 97.192 97.062 96.897 96.732
6.750 98.694 98.571 98.448 98.286 98.125 7.000 97.632 97.495 97.358 97.190 97.021
6.875 99.072 98.942 98.812 98.647 98.482 7.125 97.848 97.704 97.560 97.388 97.216
7.000 99.382 99.245 99.108 98.940 98.771 7.250 98.139 97.988 97.838 97.662 97.487
7.125 99.598 99.454 99.310 99.138 98.966 7.375 98.584 98.427 98.269 98.090 97.912
7.250 99.889 99.738 99.588 99.412 99.237 7.500 98.862 98.697 98.533 98.351 98.169
7.375 100.334 100.177 100.019 99.840 99.662 7.625 99.045 98.873 98.702 98.516 98.331
FN/FH 30 Year Int-Only (10Y I-O Term) (doc #5327, #5332) Fannie Mae 35 and 40 Year Fixed (doc #5313)
30 Year 10 Day 30 Day 50 Day 60 Day 70 Day 35/40 Year 10 Day 30 Day 50 Day 60 Day 70 Day 90 Day
6.750 98.944 98.821 98.698 98.536 98.375 6.750 99.125 99.001 98.878 98.717 98.555 98.332
6.875 99.322 99.192 99.062 98.897 98.732 6.875 99.383 99.252 99.122 98.957 98.792 98.562
7.000 99.632 99.495 99.358 99.190 99.021 7.000 99.744 99.607 99.470 99.302 99.133 98.896
7.125 99.848 99.704 99.560 99.388 99.216 7.125 100.104 99.960 99.816 99.644 99.473 99.229
7.250 100.139 99.988 99.838 99.662 99.487 7.250 100.211 100.060 99.910 99.734 99.559 99.308
7.375 100.584 100.427 100.269 100.090 99.912 7.375 100.575 100.417 100.259 100.081 99.902 99.644
7.500 100.862 100.697 100.533 100.351 100.169 7.500 100.909 100.745 100.580 100.398 100.216 99.952
7.625 101.045 100.873 100.702 100.516 100.331 7.625 101.241 101.070 100.899 100.713 100.527 100.256
Tier 2 GA, MD, NC, NJ, OK, PA, TN >=740 -0.125 -0.125 -0.375 -0.500 -0.500
Tier 3 AL, AR, AZ, CT, DE, ID, IN, IA, KS, KY, LA, MI, MS, MO, 700-739 -0.125 -0.250 -0.625 -1.125 -0.625
NE, NH, NM, ND, OH, RI, SC, SD, VA, VT, WA 680-699 -0.125 -0.375 -1.000 -2.125 -1.625
Tier 4 CA, CO, MA, ME, MT, NV, UT (CA no escrow waiver fee) 660-679 -0.125 -0.375 -1.125 -2.125 -1.625
Tier 5 IL, OR, WI (no escrow waiver fee) 640-659 -0.125 -0.875 -1.875 -2.625 -2.125
Tier 6 AK, DC, HI, MN, VI, WV, WY (MN no escrow waiver fee) 620-639 -0.125 -0.875 -2.375 -2.625 -2.125
Tier 1+ Tier 1 Tier 2 Tier 3 Tier 4 Tier 5 Tier 6 R/T Refinance subtract .125 from price
$30,000-$49,999 -0.725 -0.750 -0.825 -0.875 -0.925 -1.000 -1.025 Investment property <=75% subtract 1.75 from price
$50,000-$74,999 -0.225 -0.250 -0.325 -0.375 -0.425 -0.500 -0.525 Investment property 75.01-80% subtract 3.00 from price
$75,000-$99,999 -0.100 -0.125 -0.200 -0.250 -0.300 -0.375 -0.400 Investment property 80.01-90% subtract 3.75 from price
$100,000-$124,999 0.025 0.000 -0.075 -0.125 -0.175 -0.250 -0.275 Subor dinate Financing
$125,000-$149,999 0.085 0.060 -0.015 -0.065 -0.115 -0.190 -0.215 CLTV 90.01-95% subtract .25 from price
$150,000+ 0.150 0.125 0.050 0.000 -0.050 -0.125 -0.150 LTV 75. 01- 90% FI CO < 720 subt r act . 25 f r om pr ice ( non I - O O NLY)
$175,000-$224,999 0.190 0.165 0.090 0.040 -0.010 -0.085 -0.110 LTV >65% FICO < 720 subtract .50 from price (I-O ONLY)
(CONV. 30Y, 15Y ONLY) LTV >65% FICO >= 720 subtract .25 from price (I-O ONLY)
$225,000+ 0.225 0.200 0.125 0.075 0.025 -0.050 -0.075 Mfg. Housing (Agency Fixed pr oducts only)
(CONV. 30Y, 15Y ONLY) Mfg Housing RT Refi/Purchase subtract 1.5 from price
FN/FH Int-Only 15/15 (doc #5327) Fr eddie Mac Alt 95 (doc #5320) Mfg Housing CO Refi subtract 2.0 from price
subtract 0.625 from price - use Int-Only 10/20subtract 0.50 from price - use Agency Fixed LTV (FNMA/FHLMC Inter est-Only)
Fannie Mae Cooper ative (doc #5197) FH Str eam line Refinance (doc #5343) Multi-Unit
subtract 0.50 from price - use Agency Fixed no adjustment - use Agency Fixed 2 units subtract .50 from price
FICO <=60% 60.01-70% 70.01-75% 75.01-80% 80.01-85% >85% subtract .25 from price (NY properties only)
740+ +0.250 0.000 0.000 0.000 0.000 +0.250 Loans Closing in the nam e of "The Mor tgage Stor e Bank"
720-739 +0.250 0.000 0.000 -0.250 0.000 +0.250 subtract .05 from price
700-719 +0.250 -0.500 -0.500 -0.750 -0.500 -0.250 Tem por ar y Buydown (30Y, 15Y, 75/25 Only)
680-699 0.000 -0.500 -0.500 -1.000 -0.500 -0.250 1-0 subtract 0.875 from price
660-679 0.000 -0.500 -1.250 -1.750 -1.500 -1.000 2-1 subtract 2.75 from price
620-639 0.000 -0.750 -2.500 -2.750 -2.750 -2.250 Meets Expectations add .05 to price
<620 0.000 -0.750 -2.750 -2.750 -2.750 -2.750 Needs Improvement subtract .05 from price
Lender Paid Mortgage Insurance Fannie/Fr eddie Jum bo Additional Adjustm ents
Only available through Radian, Genworth, RMIC and MGIC. Other MI company restrictions may apply.
R/T Refinance & LTV >75% subtract 0.50 from price
Please check the product description for eligibility as not all price adjustments are effective for all products.
CO Refinance all LTV subtract 1.00 from price
Confor m ing Fixed Adjustm ents: (For All Pr oducts) FICO<700 subtract 0.25 (FN 30Y non I-O only)
LTV 620-679 680-699 700+ Second Home subtract 0.60 from price LTV/CLTV >75% subtract 0.25 (FN 30Y non I-O only)
<=85.00 -1.550 -1.100 -0.990 Cash-Out Refinance subtract 0.80 from price FICO<700 subtract 0.50 (FN I-O only)
85.01-90 -2.650 -1.800 -1.400 Rate/Term Refinance subtract 0.40 from price LTV/ CLTV <=75% and FI CO >=700 subt r act 0. 25 ( FN I - O only)
90.01-95 -4.200 -2.950 -2.400 Terms <=25Y add 0.55 to price LTV/CLTV >75% subtract 0.50 (FN I-O only)
predatory lending laws). The Mortgage Store Bank is not privy to negotiations with individual borrowers. It is the responsibility of the
broker/correspondent to discern the appropriateness of the loan program chosen with regard to the individual borrower’s needs and circumstances.
Escrow waiver, separate fee of .25 charged, contact underwriter for details. Excludes CA, IL, MN, OR, WI and conforming products in NY
Kat Shelton 480-214-2084 Rosa Chavez 480-344-5750 Ext 608 60 Day 12/23/08
Offsheet Pricing Available in Loantrac and Price Quote. EA Programs must be in Final Approval Clear to Close to Lock.
Flex with Sub Fin/EA Lev el 1 DU 7.0 (doc #5324) Flex with Sub Fin/EA Lev el 1 DU 7.0 (doc #5324)
15 Year 10 Day 30 Day 50 Day 60 Day 70 Day 30 Year 10 Day 30 Day 50 Day 60 Day 70 Day
5.625 98.674 98.612 98.550 98.420 98.289 5.625 97.760 97.699 97.637 97.506 97.375
5.750 99.014 98.945 98.877 98.742 98.608 5.750 98.294 98.225 98.157 98.023 97.888
5.875 99.357 99.281 99.206 99.068 98.930 5.875 98.917 98.841 98.766 98.628 98.491
6.000 99.490 99.408 99.326 99.185 99.044 6.000 99.254 99.171 99.089 98.948 98.807
6.125 99.622 99.533 99.444 99.299 99.155 6.125 99.519 99.430 99.341 99.196 99.052
6.250 100.006 99.910 99.814 99.666 99.518 6.250 99.754 99.658 99.562 99.414 99.266
6.375 100.211 100.108 100.006 99.854 99.703 6.375 100.141 100.038 99.935 99.784 99.632
6.500 100.352 100.242 100.132 99.978 99.823 6.500 100.312 100.203 100.093 99.938 99.783
6.625 100.488 100.372 100.255 100.097 99.939 6.625 100.430 100.314 100.197 100.039 99.881
EA L1 5/1 LIBOR DU 7.0 EA L2 5/1 LIBOR DU 7.0 Expanded Approv al Lev el 3 DU 7.0 (doc #5326)
Max price is 101.50 Margin = 3.00% Caps = 2/2/6 doc #5326 15 Year 30 Day 60 Day 30 Year 30 Day 60 Day
5/1 30 Day 50 Day 70 Day 5/1 30 Day 50 Day 70 Day 5.750 98.903 98.778 6.125 98.921 98.796
5.875 99.055 98.930 98.580 5.875 98.430 98.305 97.955 5.875 99.227 99.102 6.250 99.264 99.139
6.000 99.327 99.202 98.852 6.000 98.702 98.577 98.227 6.000 99.555 99.430 6.375 99.604 99.479
6.125 99.602 99.477 99.127 6.125 98.977 98.852 98.502 6.125 99.862 99.737 6.500 99.943 99.818
6.250 99.875 99.750 99.400 6.250 99.250 99.125 98.775 6.250 100.040 99.915 6.625 100.272 100.147
6.375 100.140 100.015 99.665 6.375 99.515 99.390 99.040 6.375 100.224 100.099 6.750 100.480 100.355
6.500 100.402 100.277 99.927 6.500 99.777 99.652 99.302 6.500 100.401 100.276 6.875 100.687 100.562
6.625 100.664 100.539 100.189 6.625 100.039 99.914 99.564 6.625 100.589 100.464 7.000 100.892 100.767
6.750 101.014 100.889 100.539 6.750 100.389 100.264 99.914 6.750 100.829 100.704 7.125 101.104 100.979
Excludes EA 15Y Programs All EA Programs: Investment property 75.01-80% subtract 3.00 from price
<=60.00% 60.01-70% 70.01-75% 75.01-80% 80.01-85% >85% <=95.00% 95.01-97% Investment property 80.01-90% subtract 3.75 from price
>=740 0.250 0.000 0.000 0.000 0.000 0.250 0.000 -0.500 NY Transfer Tax
720-739 0.250 0.000 0.000 -0.250 0.000 0.250 -0.250 -0.750 subtract .25 from price (NY properties only)
700-719 0.250 -0.500 -0.500 -0.750 -0.500 -0.250 -0.250 -0.750 Loans closing in the name of "The Mortgage Store Bank"
680-699 0.000 -0.500 -0.500 -1.000 -0.500 -0.250 -0.500 -1.000 subtract .05 from price **look for applicable states
660-679 0.000 -0.500 -1.250 -1.750 -1.500 -1.000 -0.500 -1.000 **Only loans authorized by The Mortgage Store in the
640-659 0.000 -0.500 -1.750 -2.250 -2.000 -1.500 -0.750 -1.250 following states (CA, CT, FL, IA, MA, MD, ME, MI, NC, NH,
620-639 0.000 -0.750 -2.500 -2.750 -2.750 -2.250 -0.750 -1.250 NJ, NY, PA, RI, SC, VA, VT, WV)
<620 0.000 -0.750 -2.750 -2.750 -2.750 -2.750 -1.250 -1.750 Lock Fallout
The Mortgage Store Bank will not fund nor purchase a High Cost Home Loan (as that term is defined in Sec. 32 of Reg. Z. or in applicable State or local predatory
lending laws). The Mortgage Store Bank is not privy to negotiations with individual borrowers. It is the responsibility of the broker/correspondent to discern the
appropriateness of the loan program chosen with regard to the individual borrower’s needs and circumstances.
Escrow waiver, separate fee of .25 charged, contact underwriter for details. Excludes CA, IL, MN, OR, WI and conforming products in NY
Kat Shelton 480-214-2084 Rosa Chavez 480-344-5750 Ext 608 60 Day 12/23/08
Flex, MyCommunity, Home Possible and The Mortgage Store Affordable Fixed Products
Maximum Compensation Total YSP is 103.00 Offsheet Pricing Available in Loantrac and Price Quote
MyCommunity Products Include 97, 2-Family and 3/4 Family. Additionally, includes all MyCommunity Solutions Products
6.500 100.879 100.783 100.687 100.539 100.391 TMS Affordable 97 40-Year Interest-Only
6.625 101.266 101.163 101.060 100.909 100.757 40 Year 10 Day 30 Day 50 Day 60 Day 70 Day
6.750 101.437 101.328 101.218 101.063 100.908 TMS 7.125 98.764 98.728 98.620 98.477 98.133
6.875 101.555 101.439 101.322 101.164 101.006 Affordable 7.250 98.903 98.866 98.753 98.602 98.251
TMS Affordable 97 35/40-Year doc #5336 7.375 99.234 99.194 99.076 98.919 98.561
35/40 Year 10 Day 30 Day 50 Day 60 Day 70 Day 7.500 99.562 99.521 99.397 99.233 98.868
7.000 99.125 99.001 98.878 98.717 98.555 7.625 99.887 99.844 99.716 99.545 99.174
7.125 99.383 99.252 99.122 98.957 98.792 7.750 100.219 100.175 100.041 99.863 99.485
7.250 99.744 99.607 99.470 99.302 99.133 7.875 100.557 100.511 100.372 100.187 99.802
7.375 100.104 99.960 99.816 99.644 99.473 TMS Affordable 97 35-Year Interest-Only
7.500 100.211 100.060 99.910 99.734 99.559 35 Year 10 Day 30 Day 50 Day 60 Day 70 Day
7.625 100.575 100.417 100.259 100.081 99.902 7.000 99.802 99.768 99.665 99.528 99.191
7.750 100.909 100.745 100.580 100.398 100.216 7.125 99.999 99.963 99.855 99.712 99.368
7.875 101.241 101.070 100.899 100.713 100.527 7.250 100.161 100.123 100.010 99.859 99.509
Only available through Radian, Genworth, RMIC and MGIC. Other MI company restrictions may apply. <=680 subtract 0.50 from price (Flex non I-O & Affordable)
Please check the product description for eligibility as not all price adjustments are effective for all products. Lock Fallout
Flex 97 Adjustments: (For All Products) Meets Expectations add .05 to price
LTV 620-679 680-699 700+ Second Home subtract 0.60 from price Needs Improvement subtract .05 from price
90.00 -2.650 -1.800 -1.400 Cash-Out Refinance subtract 0.80 from price TMS Affordable add'l adjustments
90.01-95 -4.860 -3.110 -2.570 Rate/Term Refinance subtract 0.40 from price Secondary Stated Income subtract 0.25 from price
95.01-97 N/A -4.830 -3.680 Terms <=25Y add 0.55 to price EA L1 response subtract 0.25 from price
Offsheet Pr icing Available in Loantr ac and Pr ice Quote ARMs - 90 Day Lock subtr act 0.525 fr om 50 day pr ice
FNMA 3/1, 5/1 LIBOR ARMs (Std) & Interest-Only & Home Possible
3/1 30 Day 50 Day 70 Day 90 Day 5/1 30 Day 50 Day 70 Day 90 Day
5.000 98.432 98.307 97.957 97.782 5.250 98.186 98.061 97.711 97.536
5.125 98.682 98.557 98.207 98.032 5.375 98.531 98.406 98.056 97.881
5.250 98.923 98.798 98.448 98.273 Doc #5331 5.500 98.864 98.739 98.389 98.214 Doc #5331
5.375 99.157 99.032 98.682 98.507 Margin = 2.25% 5.625 99.126 99.001 98.651 98.476 Margin = 2.25%
5.500 99.387 99.262 98.912 98.737 Caps = 2/2/6 5.750 99.439 99.314 98.964 98.789 Caps = 2/2/6
5.625 99.545 99.420 99.070 98.895 5.875 99.680 99.555 99.205 99.030
5.750 99.746 99.621 99.271 99.096 Interest-Only: 6.000 99.952 99.827 99.477 99.302 Interest-Only:
5.875 99.952 99.827 99.477 99.302 Doc #5327 6.125 100.227 100.102 99.752 99.577 Doc #5327
6.000 100.159 100.034 99.684 99.509 Margin = 2.375% 6.250 100.500 100.375 100.025 99.850 Margin = 2.375%
6.125 100.362 100.237 99.887 99.712 6.375 100.765 100.640 100.290 100.115 Caps = 5/2/5
6.250 100.571 100.446 100.096 99.921 6.500 101.027 100.902 100.552 100.377
6.375 100.794 100.669 100.319 100.144 6.625 101.289 101.164 100.814 100.639
6.500 101.027 100.902 100.552 100.377 6.750 101.639 101.514 101.164 100.989
FNMA 7/1 LIBOR (Std) & Hom ePos Fannie Mae Jum bo 5/1 LIBOR ARM & Int-Only Fr eddie Mac Jum bo 5/1 LIBOR ARM & Int-Only
7/1 30 Day 50 Day 70 Day 5/1 30 Day 50 Day 70 Day doc 5/1 30 Day 50 Day 70 Day doc
5.625 98.420 98.295 97.945 5.500 98.614 98.489 98.139 #r5337 5.875 97.680 97.555 97.205 #r5338
5.750 98.795 98.670 98.320 5.625 98.876 98.751 98.401 6.000 97.952 97.827 97.477
5.875 99.097 98.972 98.622 5.750 99.189 99.064 98.714 6.125 98.227 98.102 97.752 Margin
6.000 99.451 99.326 98.976 5.875 99.430 99.305 98.955 Margin 6.250 98.500 98.375 98.025 2.25%
6.125 99.707 99.582 99.232 6.000 99.702 99.577 99.227 2.25% 6.375 98.765 98.640 98.290 I-O Margin
6.250 100.011 99.886 99.536 6.125 99.977 99.852 99.502 6.500 99.027 98.902 98.552 2.375%
6.375 100.308 100.183 99.833 6.250 100.250 100.125 99.775 I-O Margin 6.625 99.289 99.164 98.814 Caps
6.500 100.610 100.485 100.135 6.375 100.515 100.390 100.040 2.375% 6.750 99.639 99.514 99.164 5/2/5
6.625 100.924 100.799 100.449 6.500 100.777 100.652 100.302 TMS Affordable 97 5/1 (doc #5336)
6.750 101.219 101.094 100.744 6.625 101.039 100.914 100.564 Caps 5/1 30 Day 50 Day 70 Day 5 /1 ARM
Margin = 2.25% Caps = 5/2/5 6.750 101.389 101.264 100.914 5/2/5 5.875 99.126 99.001 98.651 Margin
FN Flex 97 & Int-Only 5/1 ARM FN Flex w/sub fin & I-O 5/1 6.000 99.439 99.314 98.964 2.875
5/1 30 Day 50 Day 70 Day Mar gin 5/1 30 Day 50 Day 70 Day 6.125 99.680 99.555 99.205
5.750 98.186 98.061 97.711 2.875% 5.750 98.186 98.061 97.711 6.250 99.952 99.827 99.477
5.875 98.531 98.406 98.056 5.875 98.531 98.406 98.056 6.375 100.227 100.102 99.752
6.000 98.864 98.739 98.389 Caps: 6.000 98.864 98.739 98.389 6.500 100.500 100.375 100.025 Caps
6.125 99.126 99.001 98.651 Flex 97 6.125 99.126 99.001 98.651 6.625 100.765 100.640 100.290 2/2/5
6.250 99.439 99.314 98.964 5/2/5 6.250 99.439 99.314 98.964 TMS Affordable 97 7/1 (doc #5336)
6.375 99.680 99.555 99.205 Sub Fin 6.375 99.680 99.555 99.205 7/1 30 Day 50 Day 70 Day 5 /1 ARM
6.500 99.952 99.827 99.477 2/2/6 6.500 99.952 99.827 99.477 5.875 98.420 98.295 97.945 Margin
6.625 100.227 100.102 99.752 Int-Only 6.625 100.227 100.102 99.752 6.000 98.795 98.670 98.320 2.875
6.750 100.500 100.375 100.025 5/2/5 6.750 100.500 100.375 100.025 6.125 99.097 98.972 98.622
6.875 100.765 100.640 100.290 6.875 100.765 100.640 100.290 6.250 99.451 99.326 98.976
7.000 101.027 100.902 100.552 Docs: 7.000 101.027 100.902 100.552 6.375 99.707 99.582 99.232
7.125 101.289 101.164 100.814 #5321 7.125 101.289 101.164 100.814 6.500 100.011 99.886 99.536 Caps
7.250 101.639 101.514 101.164 #5324 7.250 101.639 101.514 101.164 6.625 100.308 100.183 99.833 5/2/5
Fre ddie M a c CM T ARM s (doc # 5 3 0 9 ) & Inte re s t-Only (doc # 5 3 3 2 ) & Stre a m line Re fi (doc # 5 3 4 3 ) MyCommunity 5/1 (doc #5325)
3/1 30 Day 50 Day 70 Day 3 /1 ARM 7/1 30 Day 50 Day 70 Day 5/1 30 Day 50 Day 70 Day 5 /1 ARM
5.125 98.532 98.407 98.057 Margin 5.625 98.270 98.145 97.795 6.000 98.189 98.064 97.714 Margin
5.250 98.773 98.648 98.298 2.75 5.750 98.645 98.520 98.170 6.125 98.430 98.305 97.955 2.875
5.375 99.007 98.882 98.532 I-O Margin 5.875 98.948 98.823 98.473 6.250 98.702 98.577 98.227
5.500 99.236 99.111 98.761 2.875 6.000 99.302 99.177 98.827 6.375 98.977 98.852 98.502
5.625 99.395 99.270 98.920 6.125 99.558 99.433 99.083 6.500 99.250 99.125 98.775
5.750 99.596 99.471 99.121 Caps 6.250 99.861 99.736 99.386 6.625 99.515 99.390 99.040 Caps
5.875 99.802 99.677 99.327 2/2/6 6.375 100.158 100.033 99.683 6.750 99.777 99.652 99.302 5/2/5
7/1 and 10/1 Margin 2.75; I-O Margin 2.875 Caps 5/2/5 MyCommunity 7/1 (doc #5325)
5/1 30 Day 50 Day 70 Day 5 /1 ARM 10/1 30 Day 50 Day 70 Day 7/1 30 Day 50 Day 70 Day 5 /1 ARM
5.625 98.975 98.850 98.500 Margin 6.000 98.576 98.451 98.101 5.875 97.170 97.045 96.695 Margin
5.750 99.289 99.164 98.814 2.75 6.125 98.864 98.739 98.389 6.000 97.545 97.420 97.070 2.875
5.875 99.529 99.404 99.054 I-O Margin 6.250 99.235 99.110 98.760 6.125 97.847 97.722 97.372
6.000 99.802 99.677 99.327 2.875 6.375 99.593 99.468 99.118 6.250 98.201 98.076 97.726
6.125 100.077 99.952 99.602 Caps 2/2/6 6.500 99.951 99.826 99.476 6.375 98.457 98.332 97.982
6.250 100.349 100.224 99.874 I-O Caps 6.625 100.313 100.188 99.838 6.500 98.761 98.636 98.286 Caps
6.375 100.615 100.490 100.140 5/2/5 6.750 100.653 100.528 100.178 6.625 99.058 98.933 98.583 5/2/5
Conforming Balloons
1 Year T-Bill Non-Conv. ARM Fannie Mae 5/1 LIBOR ARM (Special)
Doc# Margin: 2.750% 5 Year 10 Day 30 Day 7 Year 10 Day 30 Day 5/1 30 Day 50 Day 70 Day
5306 15 Day 50 Day 6.250 99.485 99.389 6.750 98.823 98.700 5.500 98.773 98.648 98.298
4.625 98.150 98.025 6-Month 6.375 99.868 99.765 6.875 99.206 99.076 5.625 99.090 98.965 98.615
4.750 98.400 98.275 LIBOR 6.500 100.251 100.141 7.000 99.289 99.152 5.750 99.397 99.272 98.922
4.875 98.650 98.525 Pricing 6.625 100.634 100.517 7.125 99.372 99.228 5.875 99.630 99.505 99.155
5.000 98.775 98.650 Call 6.750 100.972 100.848 7.250 99.432 99.281 6.000 99.920 99.795 99.445
5.125 98.900 98.775 Lock-ins 6.875 101.030 100.900 7.375 99.540 99.382 6.125 100.137 100.012 99.662
5.250 99.025 98.900 De p a rtm e n t 7.000 101.088 100.951 7.500 99.648 99.483 6.250 100.389 100.264 99.914
5.375 99.190 99.065 7.125 101.145 101.002 7.625 99.756 99.584 6.375 100.639 100.514 100.164
1Y T-Bill Conv Price -Same as Non- 5Y Balloon doc #5304 7Y Balloon doc #5305 Margin = 2.25% doc #5330
Convertible Price. Margin = 2.875% Call Lock-ins for additional pricing for lock days Caps = 5/2/5
Tier 2 GA, MD, NC, NJ, OK, PA, TN >=740 -0.125 -0.125 -0.375 -0.500 -0.500
Tier 3 AL, AR, AZ, CT, DE, ID, IN, IA, KS, KY, LA, MI, MS, MO, 700-739 -0.125 -0.250 -0.625 -1.125 -0.625
NE, NH, NM, ND, OH, RI, SC, SD, VA, VT, WA 680-699 -0.125 -0.375 -1.000 -2.125 -1.625
Tier 4 CA, CO, MA, ME, MT, NV, UT (CA no escrow waiver fee) 660-679 -0.125 -0.375 -1.125 -2.125 -1.625
Tier 5 IL, OR, WI (no escrow waiver fee) 640-659 -0.125 -0.875 -1.875 -2.625 -2.125
Tier 6 AK, DC, HI, MN, VI, WV, WY (MN no escrow waiver fee) 620-639 -0.125 -0.875 -2.375 -2.625 -2.125
Tier 1+ Tier 1 Tier 2 Tier 3 Tier 4 Tier 5 Tier 6 Rate/Term Refinance subtract .125 from price
$30,000-$49,999 -0.725 -0.750 -0.825 -0.875 -0.925 -1.000 -1.025 >=90% subtract .25 from price (excludes I-O ARMs)
$50,000-$74,999 -0.225 -0.250 -0.325 -0.375 -0.425 -0.500 -0.525 LTV 75. 01- 90% FI CO < 720 subt r act . 25 f r om pr ice ( non I - O O NLY)
$75,000-$99,999 -0.100 -0.125 -0.200 -0.250 -0.300 -0.375 -0.400 LTV >65% FICO <720 subtract .50 from price (I-O ONLY)
$100,000-$124,999 0.025 0.000 -0.075 -0.125 -0.175 -0.250 -0.275 LTV >65% FI CO >=720 subt r act . 25 f r om pr ice ( I - O O NLY)
$125,000-$149,999 0.085 0.060 -0.015 -0.065 -0.115 -0.190 -0.215 All sub. f in subt r act 0. 50 ( Com m & Sol 97, 2- Fam , Flag Af f )
$150,000+ 0.150 0.125 0.050 0 -0.050 -0.125 -0.150 All sub fin (HP) FICO <720 subtract 0.75
Tier adjustments exclude Agency Jumbo programs All sub fin (HP) FICO >=720 subtract 0.50
R/T Refinance & LTV >75% subtract 0.50 from price CO Refinance all LTV subtract 1.00 from price
2 units subtract .50 from price (excludes MCM, HP)
LTV/CLTV <=75% subtract 0.75 from price (FN only) LTV <=80% subtract 0.75 from price (FH only)
2 units 95.01-97% subtract .50 from price (HP only)
LTV/CLTV >75% subtract 1.50 from price (FN only) LTV >80% subtract 1.50 from price (FH only)3- 4 unit s subt r act 1. 50 f r om pr ice ( excludes M CM ) ( HP subt r act 1. 0 f r om pr ice)
TMS Affor dable Add'l Adj FH Str eam line Refinance (doc #5343) Investment property <=75% subtract 1.75 from price
SSI subtract 0.25 from price no adjustment - use Freddie ARM pricing Investment property 75.01-80% subtract 3.00 from price
EA L1 subt r act 0. 25 f r om pr ice EA L2 subt r act 2. 25 f r om pr ice Investment property 80.01-90% subtract 3.75 from price
Additional Fr eddie Mac ARM and Balloon Adjustm ents NY Tr ansfer Tax
LTV 65. 01- 75 & CLTV 90. 01- 95 subt r act . 25 f r om pr ice ( excludes I - O ) Balloons ONLY: subtract .25 from price (NY properties only)
LTV 75. 01- 80 & CLTV 90. 01- 95 subt r act . 25 f r om pr ice ( excludes I - O ) 80.01-90% LTV subtract 0.50 LTV
LTV 80. 01- 90 & CLTV 81. 01- 95 subt r act . 25 f r om pr ice ( excludes I - O ) 90.01 - 95% LTV subtract 1.0 >90% subtract .25 from price (excludes Flex non-IO)
LTV 75.01-80.00 & CLTV 76.01-90.00 & FICO < 720 subtract 0.50 from price (FH I-O ARM only) Cr edit Scor e
LTV 75.01-80.00 & CLTV 76.01-90.00 & FICO >=720 subtract 0.25 from price (FH I-O ARM only) <=680 subtract 0.50 from price (Flag Affordable only)
LTV 80.01-85.00 & CLTV 81.01-90 & FICO < 720 subtract 0.50 from price (FH I-O ARM only) Inter est-Only (FN/FH/Low Doc/MCM/Jum bo)
LTV 80.01-85.00 & CLTV 81.01-90 & FICO >= 720 subtract 0.25 from price (FH I-O ARM only) Purchase loans subtract 0.25 from price
FICO/LTV adjustm ents (Excludes MCM and Hom ePos Pr oducts) Refinance loans subtract 0.50 from price
740+ +0.250 0.000 0.000 0.000 0.000 +0.250 subtract 0.25 from price
720-739 +0.250 0.000 0.000 -0.250 0.000 +0.250 Tem por ar y Buydown (MCM & FlagAff Only)
700-719 +0.250 -0.500 -0.500 -0.750 -0.500 -0.250 2-1 subtract 2.75 from price
660-679 0.000 -0.500 -1.250 -1.750 -1.500 -1.000 Meets Expectations add .05 to price
640-659 0.000 -0.500 -1.750 -2.250 -2.000 -1.500 Needs Improvement subtract .05 from price
620-639 0.000 -0.750 -2.500 -2.750 -2.750 -2.250 Loans Closing in the nam e of "The Mor tgage Stor e Bank"
<620 0.000 -0.750 -2.750 -2.750 -2.750 -2.750 subtract .05 from price * * See states below
Lender Paid Mortgage Insurance * * Only loans authorized by The Mortgage Store in
the following states. (CA, CT, FL, IA, MA, MD, ME,
Only available through Radian, Genworth, RMIC and MGIC. Other MI company restrictions may apply.
Please check the product description for eligibility as not all price adjustments are effective for all products.
MI, NC, NH, NJ, NY, PA, RI, SC, VA, VT, WV)
Conf. 5/1, 7/1, 10/1 ARMs Adjustm ents: (For All Pr oducts) Hom e Possible 97 (doc # 5335)
LTV 620-679 680-699 700+ Second Home subtract 0.60 from price LTV <= 95% subtract 1.50, LTV 95.01-97% subtract 1.85
<=85.00 -1.670 -1.500 -1.240 Cash-Out Refinance subtract 0.80 from priceMargin = 2.25% Caps 5/1: 2/2/5 Caps 7/1: 5/2/5
85.01-90 -3.180 -2.300 -1.740 Rate/Term Refinance subtract 0.40 from price
The Mortgage Store Bank will not fund nor purchase a High Cost Home Loan (as that term is defined in Sec. 32 of Reg. Z. or in applicable State or local
predatory lending laws). The Mortgage Store Bank is not privy to negotiations with individual borrowers. It is the responsibility of the
broker/correspondent to discern the appropriateness of the loan program chosen with regard to the individual borrower’s needs and circumstances.
Escrow waiver, separate fee of .25 charged, contact underwriter for details. Excludes CA, IL, MN, OR, WI and conforming products in NY
RATES SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE
15011 N 75th St October 24, 2008
Scottsdale, AZ 85260 Pricing Effective 10:00 A.M. EDT
Rate 15 Day 30 Day 60 Day Rate 15 Day 30 Day 60 Day Rate 15 Day 30 Day 60 Day
5.500 99.031 98.989 98.907 5.625 98.828 98.782 98.689 5.125 98.397 98.371 98.320
6.000 100.315 100.253 100.130 5.750 99.588 99.536 99.434 5.250 99.588 99.557 99.496
6.500 101.321 101.238 101.074 5.875 99.806 99.750 99.637 5.375 99.864 99.828 99.756
7.000 101.655 101.552 101.346 6.125 100.140 100.073 99.939 5.625 100.281 100.235 100.142
7.500 103.310 103.187 102.941 6.250 100.806 100.734 100.590 5.750 101.150 101.099 100.996
8.000 104.185 104.041 103.754 6.375 100.926 100.849 100.695 5.875 101.369 101.312 101.199
Max Com pensation Total YSP is 104.00 6.875 101.478 101.380 101.185 6.375 102.160 102.083 101.929
FHASecur e (delinq.) 30Y FHA (Jum bo) 30Y FHA (Jum bo) 15Y
Rate 15 Day 30 Day 60 Day Rate 15 Day 30 Day 60 Day Rate 15 Day 30 Day 60 Day
6.250 98.306 98.234 98.090 6.250 99.525 99.453 99.309 6.000 100.088 100.026 99.903
6.375 98.426 98.349 98.195 6.375 99.645 99.568 99.414 6.125 100.202 100.135 100.002
6.500 98.546 98.464 98.299 6.500 99.765 99.682 99.518 6.250 100.759 100.687 100.543
6.625 98.609 98.522 98.347 6.625 99.828 99.741 99.566 6.375 100.879 100.802 100.648
6.750 98.415 98.323 98.138 6.750 100.165 100.073 99.888 6.500 100.999 100.917 100.752
6.875 98.478 98.380 98.185 6.875 100.228 100.130 99.935 6.625 101.062 100.975 100.800
7.000 98.540 98.437 98.232 7.000 100.290 100.187 99.982 6.750 101.337 101.245 101.060
7.125 98.577 98.469 98.253 7.125 100.327 100.219 100.003 6.875 101.399 101.302 101.107
7.250 100.142 100.029 99.803 7.250 101.642 101.529 101.303 7.000 101.462 101.359 101.154
7.375 100.177 100.059 99.822 7.375 101.677 101.559 101.322 7.125 101.499 101.391 101.175
7.500 100.212 100.088 99.842 7.500 101.712 101.588 101.342 7.250 101.679 101.566 101.340
7.625 100.232 100.103 99.846 7.625 101.732 101.603 101.346 7.375 101.714 101.596 101.360
7.750 101.102 100.968 100.701 7.750 102.602 102.468 102.201 7.500 101.749 101.626 101.379
7.875 101.094 100.956 100.678 7.875 102.594 102.456 102.178 7.625 101.769 101.641 101.384
$75,000 - $99,99 subtract .25 from price FICO 580-599 subtract 1.50 2-1 Buydown, subtract 2.75
$50,000 - $74,999 subtract .75 from price FICO 600-619 subtract 0.50 TX add 0.125 NY subtract 0.25
$30,000 - $49,999 subtract 2.0 from price FICO 620-639 subtract 0.25 Lock Fallout Meets Expectations add 0.05 to price
VA Fixed Program subtract 0.25 FICO >660 add 0.25 Lock Fallout Needs Improvement subtract 0.05 from price
5.375 98.402 98.277 98.152 Caps: 1/1/5 5.625 97.697 97.572 97.447
5.625 98.714 98.589 98.464 Margin: 2.00% 5.875 98.635 98.510 98.385
5.875 99.574 99.449 99.324 Max Net Premium 6.125 99.369 99.244 99.119
For VA 3/1 and 5/1 ARM Pricing (doc # 5820) subtract 0.25 from FHA ARM Pricing
FHA/VA ARM Pr ogr am Adjustm ents: FHA Loan Sizes >$362,790 under Economic Stimulus Act subtract 1.50 from price
$75,000 - $99,99 subtract .25 from price FICO 580-599 subtract 1.50 FHASecure (delinq.) subtract 2.00
$50,000 - $74,999 subtract .75 from price FICO 600-619 subtract 0.50 Lock Fallout Needs Improvement subtract .05 from price
$30,000 - $49,999 subtract 2.0 from price FICO 620-639 subtract 0.25 Lock Fallout Meets Expectations add 0.05 to price
FHA 1Y loans that disbur se October 16, 2008 - Januar y 15, 2009, change date is Apr il 1, 2010
FHA 3Y loans that disbur se October 16, 2008 - Januar y 15, 2009, change date is Apr il 1, 2012
FHA 5Y loans that disbur se October 16, 2008 - Januar y 15, 2009, change date is Apr il 1, 2014
Rate 15 Day 30 Day Rate 15 Day 30 Day Locks available until 4:45pm EST
7.625 94.700 94.200 6.750 94.691 94.191 Max net pr em ium is 102.375
<=40% -0.125 -0.125 -0.250 -0.375 -0.625 Mid/Hi Rise Condo -0.125 CA, IL, MN, OR, WI -0.250
40.01-50% -0.125 -0.250 -0.375 -0.500 -0.750 Cash-Out Refinance -0.250 Lock Fallout Meets
0.050
50.01-60% -0.250 -0.375 -0.500 -0.750 -1.000 2-Units -0.250 Expectations
60.01-70% -0.250 -0.375 -0.750 -0.875 -1.250 3-4 Units -1.000 Lock Fallout Needs
-0.050
70.01-75% -0.375 -0.500 -0.875 -1.000 N/A Interest-Only -0.125 Improvement
75.01-80% -0.375 -0.625 -0.875 -1.125 N/A Sub Fin CLTV 90.01-95% 0.000
FICO Score Adjusters: 620-639 -3.000 -3.500 -4.000 -4.000 N/A N/A N/A N/A
Loan Amounts <660 -0.625 -0.625 -0.875 -1.250 N/A N/A N/A N/A
$700,001 - $1,000,000 660-719 -0.500 -0.500 -0.625 -0.625 -0.750 -1.000 N/A N/A
>=720 -0.375 -0.375 -0.500 -0.500 -0.625 -0.750 N/A N/A
Loan Amounts 680-719 -0.625 -0.625 -0.750 -0.750 -1.125 N/A N/A N/A
$1,000,001 - $1,500,000 >=720 -0.500 -0.500 -0.625 -0.625 -0.875 N/A N/A N/A
Loan Amounts >=720 -2.500 -2.500 -2.500 -2.500 -2.500 N/A N/A N/A
$1,500,001 - $2,000,000
Second Home 660-719 -0.125 -0.125 -0.250 -0.250 -0.375 -0.750 -1.125 N/A
>=720 0.000 0.000 -0.125 -0.125 -0.250 -0.375 -0.750 N/A
2-Units <660 -0.625 -0.625 -0.750 -0.875 N/A N/A N/A N/A
3-4 Units 660-719 -0.750 -0.875 -1.000 -1.125 -1.375 -1.750 N/A N/A
>=720 -0.250 -0.375 -0.500 -0.625 -0.750 -1.125 N/A N/A
Condo <660 -0.750 -0.750 -0.875 -0.875 N/A N/A N/A N/A
Low and Hi-Rise 660-719 -0.250 -0.250 -0.375 -0.500 -0.750 -0.875 -1.000 -1.250
>=720 -0.125 -0.125 -0.250 -0.375 -0.625 -0.625 -0.750 -0.750
Cash-Out Refinance <660 -4.000 -4.000 -4.000 -4.000 N/A N/A N/A N/A
Interest-Only <660 -0.625 -0.625 -0.750 -0.750 N/A N/A N/A N/A
Subordinate Financing <660 -0.375 -0.375 -0.375 -0.500 N/A N/A N/A N/A
CLTV <=80% 660-719 -0.375 -0.375 -0.375 -0.375 -0.375 -0.375 N/A N/A
>=720 -0.250 -0.250 -0.375 -0.375 -0.375 -0.375 N/A N/A
Subordinate Financing 660-719 -1.000 -1.125 -1.500 -1.625 -1.750 -2.000 -2.250 -4.000
CLTV 80.01-90% >=720 -0.625 -0.750 -0.875 -1.000 -1.125 -1.250 -1.500 -4.000
Escrow waiver, separate fee of .25 charged, contact underwriter for details. Excludes CA, IL, MN, OR, WI and conforming products in NY
Loans closing in the name of "The Mortgage Store Bank" subtract .05 from price (see page 1 adj. for applicable states)
The Mortgage Store Bank will not fund nor purchase a High Cost Home Loan (as that term is defined in Sec. 32 of Reg. Z. or in applicable
State or local predatory lending laws). The Mortgage Store Bank is not privy to negotiations with individual borrowers. It is the responsibility
of the broker/correspondent to discern the appropriateness of the loan program chosen with regard to the individual borrower’s needs and
circumstances.
RATES SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE