Rate Sheet Date

10/10/16 11:45 AM
15 Day Lock Exp.
30 Day Lock Exp.
45 Day Lock Exp.
60 Day Lock Exp.

Jumbo, Home Ready, HARP, and High Balance pricing availible via
UHM's pricing engine

10/25/2016
11/9/2016
11/24/2016
12/9/2016

30/25/20 Year Government

Standard Product
Rate
3.250
3.375
3.500
3.625
3.750
3.875
4.000
4.125
4.250
4.375
4.500
4.625
4.750

15 day
103.367
103.949
104.342
104.721
104.835
105.275
105.528
105.608
105.685
105.772
105.848
105.926
106.065

30 day
103.257
103.840
104.233
104.611
104.725
105.166
105.419
105.499
105.576
105.663
105.739
105.817
105.956

45 day
103.148
103.730
104.123
104.502
104.616
105.056
105.310
105.390
105.466
105.554
105.630
105.708
105.846

15/10 Year Government

Standard Product
60 day
103.039
103.621
104.014
104.393
104.506
104.947
105.200
105.280
105.357
105.444
105.520
105.598
105.737

Rate
2.750
2.875
3.000
3.125
3.250
3.375
3.500
3.625
3.750
3.875
4.000

15 day
102.760
103.240
103.538
103.854
103.954
104.306
104.390
104.449
104.535
104.606
104.702

30 day
102.674
103.154
103.452
103.768
103.868
104.220
104.304
104.363
104.449
104.520
104.616

45 day
102.589
103.068
103.366
103.682
103.782
104.134
104.218
104.277
104.363
104.434
104.530

60 day
102.503
102.982
103.280
103.596
103.696
104.048
104.132
104.191
104.277
104.348
104.444

30/25/20 Year Government

High Balance Product
Rate
3.250
3.375
3.500
3.625
3.750
3.875
4.000
4.125
4.250
4.375
4.500
4.625
4.750

15 day
101.367
101.949
102.342
102.721
102.835
103.275
103.528
103.608
103.685
103.772
103.848
103.926
104.065

30 day
101.257
101.840
102.233
102.611
102.725
103.166
103.419
103.499
103.576
103.663
103.739
103.817
103.956

45 day
101.148
101.730
102.123
102.502
102.616
103.056
103.310
103.390
103.466
103.554
103.630
103.708
103.846

60 day
101.039
101.621
102.014
102.393
102.506
102.947
103.200
103.280
103.357
103.444
103.520
103.598
103.737

Government
Price Adjustments

Contacts/Notes
TPORateLocks@unionhomemortgage.com
TPOCaseNumber@unionhomemortgage.com
TPOConditions@unionhomemortgage.com
TPOClosing@unionhomemortgage.com
TPOAppraisal@unionhomemortgage.com
ALL TEXAS LOANS MUST HAVE $150
ATTORNEY DOC PREP FEE DISCLOSED
*Non-Conforming Appraisals are ordered through Rels
Valuation by Union Home Mortgage Corp. Please contact
your Account Executive for appraisal pricing prior to issuing
initial disclosures to your borrower.

VA
USDA
FHA Streamline
VA IRRRL
FICO >=740
FICO 720-739
FICO 640-659
FICO 620-639

-0.250%
-0.500%
-0.250%
-0.250%
0.375%
0.250%
-0.500%
-1.500%

Manufactured Home
Investment Property

-1.000%
-0.500%

Min fico 660 for FHA Cash-Out

UW fee is $500

Loan Amount:
$50,000 - $75,000
$75,001 - $100,000
$100,001 - $125,000
$125,001 - $150,000
$150,001 - $175,000
$175,001 - $200,000
$200,001 - $250,000
$250,001 - $350,000
> $350,000

-0.85%
-0.35%
-0.15%
-0.10%
-0.10%
-0.10%
0.00%
0.00%
0.00%

Mortgagee Clause:
Union Home Mortgage Corp. ISAOA /ATIMA

8241 Dow Circle W.

Strongsville, OH 44136

440-238-2525
FHA ID
VA ID

Rate Lock Extension costs

Loan AMT NO UW FEE

3827009995
5650720000

-0.80%
-0.60%
-0.45%
-0.35%
-0.30%
-0.25%
-0.20%
-0.15%
-0.05%

3 days
7 days
10 days

-0.125%
-0.210%
-0.250%

15 days
20 days
30 days

-0.375%

State Adj
CO
IL
CA
FL

-0.500%
-0.625%

0.00%
0.05%
0.05%
0.00%

Rate Sheet Date

10/10/16 11:45 AM
15 Day Lock Exp.
30 Day Lock Exp.
45 Day Lock Exp.
60 Day Lock Exp.

10/25/2016
11/9/2016
11/24/2016
12/9/2016

30/25 Year Conventional

Standard Product
Rate
3.250
3.375
3.500
3.625
3.750
3.875
4.000
4.125
4.250
4.375
4.500
4.625
4.750

15 day
100.830
101.597
102.351
103.103
103.641
104.100
104.514
104.809
105.283
105.610
105.921
106.335
106.747

30 day
100.728
101.495
102.249
103.002
103.539
103.998
104.413
104.708
105.182
105.509
105.820
106.233
106.645

45 day
100.627
101.393
102.148
102.900
103.438
103.897
104.311
104.606
105.080
105.407
105.718
106.132
106.543

20 Year Conventional
Standard Product
60 day
100.525
101.292
102.046
102.799
103.336
103.795
104.209
104.505
104.978
105.306
105.617
106.030
106.442

Rate
3.250
3.375
3.500
3.625
3.750
3.875
4.000
4.125
4.250
4.375
4.500
4.625
4.750

15 Year Conventional
Standard Product
Rate
2.750
2.875
3.000
3.125
3.250
3.375
3.500
3.625
3.750
3.875

15 day
101.723
102.232
102.768
103.149
103.459
103.703
104.101
104.393
104.617
104.818

30 day
101.637
102.146
102.682
103.063
103.373
103.617
104.015
104.307
104.531
104.732

45 day
101.551
102.060
102.596
102.978
103.287
103.531
103.930
104.221
104.445
104.646

15 day
101.480
102.247
103.001
103.753
104.291
104.750
105.164
105.459
105.933
106.260
106.571
106.985
107.397

30 day
101.378
102.145
102.899
103.652
104.189
104.648
105.063
105.358
105.832
106.159
106.470
106.883
107.295

45 day
101.277
102.043
102.798
103.550
104.088
104.547
104.961
105.256
105.730
106.057
106.368
106.782
107.193

60 day
101.175
101.942
102.696
103.449
103.986
104.445
104.859
105.155
105.628
105.956
106.267
106.680
107.092

30/25 Year High Balance

Conventional Standard Product
Rate
3.250
3.375
3.500
3.625
3.750
3.875
4.000
4.125
4.250
4.375
4.500
4.625
4.750

10 Year Conventional
Standard Product
60 day
101.465
101.974
102.510
102.892
103.201
103.445
103.844
104.135
104.359
104.560

Rate
2.750
2.875
3.000
3.125
3.250
3.375
3.500
3.625
3.750
3.875
4.000
4.125
4.250

15 day
101.923
102.432
102.968
103.349
103.659
103.903
104.301
104.593
104.817
105.018
105.197
104.935
104.917

30 day
101.837
102.346
102.882
103.263
103.573
103.817
104.215
104.507
104.731
104.932
105.111
104.849
105.031

45 day
101.751
102.260
102.796
103.178
103.487
103.731
104.130
104.421
104.645
104.846
105.025
104.763
104.945

60 day
101.665
102.174
102.710
103.092
103.401
103.645
104.044
104.335
104.559
104.760
104.939
104.677
104.859

UW fee is $500

Applicable for all mortgages with terms greater than 15 years

<=60.00%

>=740
720 739
700 719
680 699
660 679
640 659
620 639
< 620
Investment
Property

0.00%
0.00%
0.00%
0.00%
0.00%
-0.50%
-0.50%
-0.50%
-2.125%

60.01
70.00%

70.01
75.00%

-0.25%
-0.25%
-0.50%
-0.50%
-1.00%
-1.25%
-1.50%
-1.50%
-2.125%

-0.25%
-0.50%
-1.00%
-1.25%
-2.25%
-2.75%
-3.00%
-3.00%
-2.125%

75.01
80.00%

-0.50%
-0.75%
-1.25%
-1.75%
-2.75%
-3.00%
-3.00%
-3.00%
-3.375%

80.01
85.00%

-0.25%
-0.50%
-1.00%
-1.50%
-2.75%
-3.25%
-3.25%
-3.25%

85.01
90.00%

-0.25%
-0.50%
-1.00%
-1.25%
-2.25%
-2.75%
-3.25%
-3.25%

-4.125%

90.01
95.00%

95.01
97.00%

-0.25%
-0.50%
-1.00%
-1.25%
-2.25%
-2.75%
-3.25%
-3.25%

-0.75%
-1.00%
-1.50%
-1.50%
-2.25%
-2.75%
-3.50%
-3.75%

LTV > 95%

-0.50%

<= 60.00%

>=740
720 739
700 719
680 699
660 679
640 659

Cash-Out Refinance
70.01
60.01
75.00%
70.00%

-0.375%
-0.375%
-0.375%
-0.375%
-0.625%
-0.625%

-0.625%
-1.000%
-1.000%
-1.125%
-1.125%
-1.625%

-0.625%
-1.000%
-1.000%
-1.125%
-1.125%
-1.625%

75.01
80.00%

-0.875%
-1.125%
-1.125%
-1.750%
-1.875%
-2.625%

*Applies to all loan terms

Subordinate
financing
LTV

CLTV
80.01%
95.00%
80.01%
95.00%
90.01%
95.00%
76.01%
90.00%

<=65.00%
65.01%
75.00%
75.01%
95.00%
75.01%
90.00%
<=95.00%

95.01 97%

Multi-Unit Property

-0.375%
FICO <720

FICO >=720

-0.500%

-0.250%

-0.750%

-0.500%

-1.000%

-0.750%

-1.000%

-0.750%

Property Type

Escrows waived
-0.25%

2 unit
<=85% LTV

-1.00%

Condo >75%LTV & >15

year Term

-0.75%

3-4 Unit
<=75% LTV

-1.00%

Manufactured Home

-1.00%

State Adj

UW fee is $500

-1.500%

CO

0.00%

IL

0.05%

CA
FL

0.05%
0.00%

High Bal Adjusters

Loan Amount:
$50,000 - $75,000
$75,001 - $100,000
$100,001 - $125,000
$125,001 - $150,000
$150,001 - $175,000
$175,001 - $200,000
$200,001 - $250,000
$250,001 - $350,000
> $350,000

Loan AMT NO UW FEE

-0.85%
-0.35%
-0.15%
-0.10%
-0.10%
-0.10%
0.00%
0.00%
0.00%

Mortgagee Clause:
Union Home Mortgage Corp. ISAOA /ATIMA

8241 Dow Circle W.

Strongsville, OH 44136

440-238-2525

-0.80%
-0.60%
-0.45%
-0.35%
-0.30%
-0.25%
-0.20%
-0.15%
-0.05%

Conv HB Cash Out

-1.00%
Rate Lock Extension Costs
3 days
-0.125%
7 days
-0.210%
10 days
-0.250%
15 days
20 days
30 days

-0.375%
-0.500%
-0.625%

Conv HB Purchase
Rate/Term
-0.25%

15 day
99.330
100.097
100.851
101.603
102.016
102.475
102.889
103.184
102.783
103.110
103.421
103.835
103.622

30 day
99.228
99.995
100.749
101.502
101.914
102.373
102.788
103.083
102.682
103.009
103.320
103.733
103.520

45 day
99.127
99.893
100.648
101.400
101.813
102.272
102.686
102.981
102.580
102.907
103.218
103.632
103.418

60 day
99.025
99.792
100.546
101.299
101.711
102.170
102.584
102.880
102.478
102.806
103.117
103.530
103.317

Rate Sheet Date

10/10/16 11:45 AM

15 Day Lock Exp.

30 Day Lock Exp.
45 Day Lock Exp.
60 Day Lock Exp.

10/25/2016
11/9/2016
11/24/2016
12/9/2016

3/1 CONV FNMA ARM

Rate
2.500
2.625
2.750
2.875
3.000
3.125
3.250
3.375
3.500
3.625
3.750
3.875
4.000
4.125
4.250

30 day
99.676
99.987
100.292
100.570
100.848
101.091
101.335
101.525
101.715
101.847
101.979
102.130
102.130
102.130
102.130

45 day
99.549
99.860
100.166
100.444
100.722
100.966
101.210
101.400
101.590
101.723
101.855
102.007
102.007
102.007
102.007

5/1 CONV FNMA ARM

60 day
99.391
99.701
100.007
100.285
100.563
100.806
101.050
101.240
101.430
101.562
101.695
101.846
101.846
101.846
101.846

Rate
2.250
2.375
2.500
2.625
2.750
2.875
3.000
3.125
3.250
3.375
3.500
3.625
3.750
3.875
4.000

60 day
99.322
99.944
100.418
100.894
101.389
101.854
102.188
102.521
102.798
103.043

Rate
2.750
2.875
3.000
3.125
3.250
3.375
3.500
3.625
3.750
3.875
4.000
4.125
4.250

30 day
98.659
99.402
100.151
100.666
101.183
101.605
101.966
102.326
102.687
102.905
103.090
103.244
103.397
103.561
103.561

7/1 CONV FNMA ARM

Rate
2.625
2.750
2.875
3.000
3.125
3.250
3.375
3.500
3.625
3.750

30 day
99.722
100.345
100.820
101.297
101.794
102.260
102.594
102.928
103.205
103.451

45 day
99.544
100.167
100.643
101.119
101.616
102.082
102.416
102.750
103.027
103.273

45 day
98.493
99.236
99.985
100.500
101.017
101.439
101.800
102.161
102.522
102.739
102.925
103.079
103.232
103.396
103.396

60 day
98.291
99.033
99.779
100.293
100.809
101.231
101.591
101.951
102.312
102.529
102.714
102.868
103.021
103.185
103.185

10/1 CONV FNMA ARM

30 day
99.707
100.233
100.768
101.310
101.812
102.373
102.936
103.316
103.698
103.948
104.198
104.285
104.372

45 day
99.509
100.037
100.574
101.116
101.621
102.182
102.745
103.137
103.518
103.756
104.006
104.094
104.190

60 day
99.261
99.790
100.329
100.874
101.378
101.946
102.507
102.890
103.270
103.508
103.758
103.858
103.933

UW fee is $500

Applicable for all mortgages with terms greater than 15 years

<=60.00%

>=740
720 739
700 719
680 699
660 679
640 659
620 639
< 620
Investment
Property

60.01
70.00%

0.00%
0.00%
0.00%
0.00%
0.00%
-0.50%
-0.50%
-0.50%
-2.125%

70.01
75.00%

-0.25%
-0.25%
-0.50%
-0.50%
-1.00%
-1.25%
-1.50%
-1.50%
-2.125%

-0.25%
-0.50%
-1.00%
-1.25%
-2.25%
-2.75%
-3.00%
-3.00%
-2.125%

75.01
80.00%

-0.50%
-0.75%
-1.25%
-1.75%
-2.75%
-3.00%
-3.00%
-3.00%
-3.375%

80.01
85.00%

-0.25%
-0.50%
-1.00%
-1.50%
-2.75%
-3.25%
-3.25%
-3.25%

85.01
90.00%

-0.25%
-0.50%
-1.00%
-1.25%
-2.25%
-2.75%
-3.25%
-3.25%

90.01 95.00%

95.01
97.00%

-0.25%
-0.50%
-1.00%
-1.25%
-2.25%
-2.75%
-3.25%
-3.25%

<=
60.00%

-0.75%
-1.00%
-1.50%
-1.50%
-2.25%
-2.75%
-3.50%
-3.75%

>=740
720 739
700 719
680 699
660 679
640 659

Cash-Out Refinance
60.01
70.01
70.00%
75.00%

-0.375%
-0.375%
-0.375%
-0.375%
-0.625%
-0.625%

-0.625%
-1.000%
-1.000%
-1.125%
-1.125%
-1.625%

-0.625%
-1.000%
-1.000%
-1.125%
-1.125%
-1.625%

75.01
80.00%

-0.875%
-1.125%
-1.125%
-1.750%
-1.875%
-2.625%

-4.125%

*Applies to all loan terms

3827009995
Subordinate financing

-0.375%

LTV

CLTV

FICO <720

FICO >=720

<=65.00%

80.01% 95.00%

-0.500%

-0.250%

80.01% 95.00%

-0.750%

-0.500%

90.01% 95.00%

-1.000%

-0.750%

76.01% 90.00%

-1.000%

-0.750%

65.01%
75.00%
75.01%
95.00%
75.01%
90.00%
<=95.00
%

95.01 97%

Multi-Unit Property
2 unit
<85% LTV
-1.00%

Condo >75%LTV & >15

year Term

Property Type
-0.75%

3-4 Unit
<75% LTV

Manufactured Home

-1.00%

-1.00%

UW fee is $500

-1.500%

State Adj

Loan Amount:
$50,000 - $75,000
$75,001 - $100,000
$100,001 - $125,000
$125,001 - $150,000
$150,001 - $175,000
$175,001 - $200,000
$200,001 - $250,000
$250,001 - $350,000
> $350,000

Mortgagee Clause:
Union Home Mortgage Corp. ISAOA /ATIMA

8241 Dow Circle W.

Strongsville, OH 44136

440-238-2525

Loan AMT NO UW FEE

-0.85%
-0.35%
-0.15%
-0.10%
-0.10%
-0.10%
0.00%
0.00%
0.00%

-0.80%
-0.60%
-0.45%
-0.35%
-0.30%
-0.25%
-0.20%
-0.15%
-0.05%

CO
IL
CA
FL

0.00%
0.05%
0.05%
0.00%

Rate Lock Extension Costs

3 days
-0.125%
7 days
-0.210%
10 days
-0.250%
15 days
-0.375%
20 days
-0.500%
30 days
-0.625%

Escrows waived
-0.25%

UW fee is $500

75.01 80.00%

-1.75%

3827009995