Rate Sheet and Pricer
Blended Rate Calculator
Our Programs
All Programs
Home Equity Loan
Intelligent Non-Conforming
Initial Payment Saver
Program Matrices
Resources
Portal
About
Get Approved
PRICE
Run
Select Scenarios
Full Doc
24mo Bank Stmt
12mo Bank Stmt
DSCR
Get Price
Scenario Input
LLPA
Message
Product
*
Edge
NonQM
Second
Note Rate
*
Occupancy
*
Owner Occupied
Second Home
Non Owner Occupied
Credit Score
*
CLTV
*
Loan Amount
*
Amortization Term
*
Amortization Type
*
Full Amortization
Interest-Only
Document Type
*
01-Full Doc 2yr
02-Full Doc 1yr
03-Bank Statement
07-P&L Only
13-Asset Depletion
09-DSCR
14-1099
15-WVOE
Bank Statement
*
24mo Bank Stmt
12mo Bank Stmt
No Bank Stmt
Months Reserves
*
DTI
*
DSCR
*
Purpose
*
Purchase
Rate-Term
Cash-Out
Cash-out Amount
*
Property
*
Valuation Type
*
Full Appraisal
AVM
State
*
AK
AL
AR
AZ
CA
CO
CT
DC
DE
FL
GA
HI
IA
ID
IL
IN
KS
KY
LA
MA
MD
ME
MI
MN
MO
MS
MT
NC
ND
NE
NH
NJ
NM
NV
NY
OH
OK
OR
PA
PR
RI
SC
SD
TN
TX
UT
VA
VT
WA
WI
WV
WY
Housing History
*
NoLatesx12
NoLatesx24
1x30x12
Multiple30x12
Credit Events
*
No Events 48mo+
Events 36-47mo
Events 24-35mo
Events 12-23mo
Citizenship
*
US Citizen
Permanent Resident Alien
Non-Permanent Resident Alien
Foreign National
Employment
*
Wage-Earner
Self-Employed
1st Time HB/Inv
*
No
Yes
Payment
*
ACH
No ACH
Servicing
*
Escrows
No Escrows
Prepay
*
No Prepay
5yr Prepay_5Pct
4yr Prepay_5Pct
3yr Prepay_5Pct
2yr Prepay_5Pct
1yr Prepay_5Pct
5yr Prepay_Standard
4yr Prepay_Standard
3yr Prepay_Standard
2yr Prepay_Standard
1yr Prepay_Standard
Lock Term
*
30 Day
45 Day
60 Day
Lock Type
Mandatory
Best Efforts
Compensation Type
*
Borrower Paid
Lender Paid
Total LLPA
Max Price
Pricing Matrix
Final Price
Pricing Matrix
Please click on the
Get Price
button to get updated pricing matrix values
LOAN ESTIMATOR
Inputs
Outputs
$
%
Tests
APR
Pts Fees
Results
Points (%)
%
Current Loan(Actual)
Lender Fees($)
High Cost(Fed)
Broker Fees($)
High Cost(State)
3rd Party Fees($)
QM
Other Fees($)
HPML
Interest Days($)
Loan Type
Valuation Type
LOCK
Lock Detail
Seller Name
Seller Loan ID
Borrower Name
Property Address
Property City
State
Zip
Comments
Lock Desk Hours: 8:00am - 4:00 pm PST
PREPARE
Disclosure Required
UW Submission Required
UW Submission Recommended
INCOME WORKSHEET
Down Pmt + Closing Costs + Prepaid Fees (Purchase Transaction)
Name of Business
Type of Business
Product
Service
Bank Statement Type
Bank Name
Business
Co-Mingled
Personal
Last 4 digits (Account No 1)
Statement Mos
Last 4 digits (Account No 2)
Statement Mos
Percentage of Business Owned
Note
P & L Information
Income
Loan Details
Totals
P & L Effective Dates (Start / End)
Annual Revenue
Annual Expenses
Net Income
Expense Factor %
Qualify
Qualifying Monthly Income (Revenue - Expenses / 12 mo)
Bank Statement
Stmt
Date
Beginning Balance
Total Deposits on Bank Statement
Non-Business Related Deposits
Adj. Deposits (For qualifying)
Ending Balance
NSF/ Overdraft
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
Totals:
NSFs (YesNo)
Yes
No
Expense Factor %
% of Deposits Used
100%
%Business Owned
Adj Net Income (Total)
Adj Net Income (Annual)
Adj Net Income (Monthly)
Income
Loan Details
Totals
Down Payment + Closing Cost + Prepaid Fees (Purchase Transaction)
Assets
Account Type
Original Balance
Pct Allowed
Eligible Assets
Checking/Savings/Money Market
Stocks and Bonds
Mutual Funds
Retirement Accounts (if distribution is not set up)
Total Eligible Assets
Qualify
Monthly Eligible Assets - Loan [Amortized Over 84 Months]
Monthly Adjusted Net Income + Monthly Eligible Assets
DSCR Information
Loan
Details
Totals
Loan Amount
Cash-Out Amount (Cash-Out Refi Only)
Appraisal / Sales Price (Lower of)
LTV (See Guidelines for LTV Limitations)
Note Rate
Payment Type
Loan Term
Proposed Monthly P&I Payment
Property
Monthly Property Taxes
Monthly Insurance
Monthly HOA
Total Monthly Property Costs
Monthly Rent (100% of Gross - Lower of Current or Market Rents)
Total ITIA
Property Cash Flow
DSCR Calculation (Gross Rents /
Total ITIA
)
Credit
Credit Score
Borrower Experience: Previous Ownership/Operation of Residential or Commercial Property
Yes
No
Credit Depth Requirement Met
Yes
No
Mortgage Lates (Max 1x30x24)
Assets
Funds / Reserves Required to Close
Balances
Checking/Savings/Money Market
Stocks and Bonds
Mutual Funds
Retirement Accounts
Gift Funds
Other
Cashout Amount Applied Towards Reserves
Total Assets/Cash out applied toward Reserves/Down payment /Closing costs
Cash To Close (down payment plus closing costs if purchase)
Reserves Required Months: 200k-1.0m (6mo), >1.0-1.5m (9mo), >1.5 (12mo)
Reserves Required Amount
Reserves Required Amount: Additional (Subject Property)
Reserves Required Amount: Additional (Additional Properties)
Total Funds Needed (Cash to Close + Reserves)
Funds to Close Plus Reserves
Asset Depletion
Loan
Details
Totals
Loan Amount
Down Payment + Closing Costs + Prepaid Fees (Purchase Transaction)
Appraisal / Sales Price (Lower of)
LTV (See Guidelines for LTV Limitations)
Assets
Account Type
Original Balance
Pct Allowed
Eligible Assets
Checking/Savings/Money Market
Stocks and Bonds
Mutual Funds
Retirement Accounts (if distribution is not set up)
Total Eligible Assets
Qualify
Qualifying Monthly Income (Total Eligible Assets - Down Pmt / 84 mo)
BLENDED RATES
1st Lien
2nd Lien
Blended
Amount
Rate
0.00
LOAN SUBMISSION FORM
Priority
15 Day Close Eligible (2nd Lien Only)
See below for requirements and refer to training deck for timeline
Broker Information
Company Name
Loan Officer Name
Company NMLS #
Loan Officer NMLS #
Contact Phone
Loan Officer Email
3rd Party Processor
No
Yes
If Yes, Processor NMLS #
Processor Name
Processor Email
Compensation Type
Account Executive
Borrower Information
Borrower 1 Name
Email
Borrower 2 Name
Email
Borrower 3 Name
Email
Borrower 4 Name
Email
Title Only Borrower
Email
Property and Loan Information
Program
Occupancy
Vesting Type
Loan Term
Amortization Type
Loan Purpose
Property Type
Impounds
Prepay Penalty
Doc Type
Bank Statement Months
Interest Rate
Loan Amount
Value / Purchase Price
LTV
CLTV
Estimated Rent (Monthly)
IPS / Buydown
No
Yes
if IPS, Paid for by
Doc Type Income Documentation Requirements
Subject Property Address
City, State, Zip
Required Documentation
1003 Loan Application, Signed and Dated by LO
3.4 File
Broker Fee Sheet
Rate Lock Confirmation, if loan is locked
Property and Loan Information
Broker Paid Compensation
Broker's Origination
Underwriting Fee
0.00
Credit Report Fee
Tax Service
$0.00
3rd Party Processing Fee
Flood Cert
$0.00
Lender Paid Compensation
Broker's Origination
Underwriting Fee
0.00
Credit Report Fee
Tax Service
$0.00
3rd Party Processing Fee
Flood Cert
$0.00
Required Services
Appraisal Fee* (All Loans)
Type in Fee Name
Fee Amount
Service Providers Name & Contact Information
Prepaids
Escrow Type
Escrow Y/N
Annual Amount
Hazard Insurance
Y
N
County Taxes
Y
N
Flood Insurance
Y
N
Other
Y
N
Notes
Escrows many not be waived if any of the below apply:
HPML loans
Submit
HELP
SOLUTIONS
Loan Estimator, Lock & Prepare
Blend Rates
Income Worksheets
Submission Form
Input
Output
Error
Alert Message here will come Alert Message here will come
Calculating Price, Please wait.
Rate Matrix loading, Please wait.