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15011 N 75th St October 24, 2008

Scottsdale, AZ 85260 Pricing Effective 10:00 A.M. EDT

Main Office 866-227-3620

Fax 888-504-7970 Broker Price Indication Sheet


Lock on-line www.mtgstoreusa.com Expir ation Dates: 48 Contiguous States & PR AK, HI, VI

Lock-Ins 866-227-3620 Ext 611 10 Day 11/03/08 1 unit $417,000 $625,500

Lock-Ins Fax 888-504-7970 15 Day 11/10/08 2 units $533,850 $800,775

Processing Department 30 Day 11/24/08 3 units $645,300 $967,950

Stacey Farmer 480-214-2087 50 Day 12/15/08 4 units $801,950 $1,202,925


Kat Shelton 480-214-2084 Rosa Chavez 480-344-5750 Ext 608 60 Day 12/23/08

30 Year 10 Day 30 Day 50 Day 60 Day 70 Day 90 Day

5.900 100.166 100.090 100.013 99.875 99.736 99.559

6.400 101.363 101.259 101.155 101.003 100.851 100.646

6.900 102.243 102.112 101.980 101.814 101.649 101.417

Look here first! The featured rate will reflect our most
aggressive pricing under most market conditions.

Agency Fixed Rates (Doc# 5301)


MAXIMUM COMPENSATION TOTAL YSP ON CONFORMING FIXED PROGRAMS IS 103.00

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

State Tier Adjustments (exclude Agency Jumbo) Conforming Loan Adjustments


Tier 1+ TX Pur pose CO Refinance Price Adjustment Grid (FICO/LTV)

Tier 1 FL, NY <=60% 60.01-75% 75.01-80% 80.01-85% 85.01-90%

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

<620 -1.125 -1.875 -2.875 -3.125 -3.125

Tier 1+ Tier 1 Tier 2 Tier 3 Tier 4 Tier 5 Tier 6 R/T Refinance subtract .125 from price

Loan Size Occupancy

$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)

>90% LTV subtract .25 from price

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

3-4 units subtract 1.5 from price

FICO/LTV adjustm ents (excludes 10Y/15Y pr oducts) NY Tr ansfer Tax

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

640-659 0.000 -0.500 -1.750 -2.250 -2.000 -1.500 Lock Fallout

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)

Refer Eligible subtract 0.75 from price (FN only)


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
Main Office 866-227-3620
Fax 888-504-7970
Broker Price Indication Sheet
Lock on-line www.mtgstoreusa.com Expiration Dates: 48 Contiguous States & PR AK, HI, VI

Lock-Ins 866-227-3620 Ext 611 10 Day 11/03/08 1 unit $417,000 $625,500

Lock-Ins Fax 888-504-7970 15 Day 11/10/08 2 units $533,850 $800,775

Processing Department 30 Day 11/24/08 3 units $645,300 $967,950

Stacey Farmer 480-214-2087 50 Day 12/15/08 4 units $801,950 $1,202,925

Kat Shelton 480-214-2084 Rosa Chavez 480-344-5750 Ext 608 60 Day 12/23/08

Agency Expanded Approval, A Minus and Construction Programs


MAXIMUM COMPENSATION TOTAL YSP ON EXPANDED APPROVAL LEVEL 1 & 2 FIXED PROGRAMS IS 103.00

Offsheet Pricing Available in Loantrac and Price Quote. EA Programs must be in Final Approval Clear to Close to Lock.

Expanded Approv al Lev el 1 DU 7.0 (doc #5326)


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 99.299 99.237 99.175 99.045 98.914 5.625 98.385 98.324 98.262 98.131 98.000
5.750 99.639 99.570 99.502 99.367 99.233 5.750 98.919 98.850 98.782 98.648 98.513
5.875 99.982 99.906 99.831 99.693 99.555 5.875 99.542 99.466 99.391 99.253 99.116
6.000 100.115 100.033 99.951 99.810 99.669 6.000 99.879 99.796 99.714 99.573 99.432
6.125 100.247 100.158 100.069 99.924 99.780 6.125 100.144 100.055 99.966 99.821 99.677
6.250 100.631 100.535 100.439 100.291 100.143 6.250 100.379 100.283 100.187 100.039 99.891
6.375 100.836 100.733 100.631 100.479 100.328 6.375 100.766 100.663 100.560 100.409 100.257
6.500 100.977 100.867 100.757 100.603 100.448 6.500 100.937 100.828 100.718 100.563 100.408
6.625 101.113 100.997 100.880 100.722 100.564 6.625 101.055 100.939 100.822 100.664 100.506
6.750 101.187 101.064 100.941 100.779 100.618 6.750 101.203 101.079 100.956 100.794 100.633
6.875 101.583 101.453 101.323 101.157 100.992 6.875 101.653 101.523 101.393 101.228 101.063
7.000 101.751 101.614 101.477 101.309 101.140 7.000 101.895 101.758 101.621 101.453 101.284

Expanded Approv al Lev el 2 DU 7.0 (doc #5326)


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 98.799 98.737 98.675 98.545 98.414 5.625 97.885 97.824 97.762 97.631 97.500
5.750 99.139 99.070 99.002 98.867 98.733 5.750 98.419 98.350 98.282 98.148 98.013
5.875 99.482 99.406 99.331 99.193 99.055 5.875 99.042 98.966 98.891 98.753 98.616
6.000 99.615 99.533 99.451 99.310 99.169 6.000 99.379 99.296 99.214 99.073 98.932
6.125 99.747 99.658 99.569 99.424 99.280 6.125 99.644 99.555 99.466 99.321 99.177
6.250 100.131 100.035 99.939 99.791 99.643 6.250 99.879 99.783 99.687 99.539 99.391
6.375 100.336 100.233 100.131 99.979 99.828 6.375 100.266 100.163 100.060 99.909 99.757
6.500 100.477 100.367 100.257 100.103 99.948 6.500 100.437 100.328 100.218 100.063 99.908
6.625 100.613 100.497 100.380 100.222 100.064 6.625 100.555 100.439 100.322 100.164 100.006
6.750 100.687 100.564 100.441 100.279 100.118 6.750 100.703 100.579 100.456 100.294 100.133
6.875 101.083 100.953 100.823 100.657 100.492 6.875 101.153 101.023 100.893 100.728 100.563
7.000 101.251 101.114 100.977 100.809 100.640 7.000 101.395 101.258 101.121 100.953 100.784

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

Freddie Mac A-Minus Lev el 1 (Doc# 5303)


Maximum Premium on all Levels is 101.5 10 Year pricing = 15 Year Pricing 20 Year Pricing = 30 Year Pricing
7 Year 10 Day 30 Day 50 Day 15 Year 10 Day 30 Day 50 Day 60 Day 30 Year 10 Day 30 Day 50 Day 60 Day
5.375 96.576 96.528 96.480 5.875 98.538 98.463 98.387 98.250 6.375 98.779 98.677 98.574 98.423
5.500 96.813 96.758 96.703 6.000 98.865 98.783 98.701 98.560 6.500 98.922 98.812 98.703 98.548
5.625 96.933 96.872 96.810 6.125 99.001 98.912 98.823 98.678 6.625 99.027 98.911 98.794 98.636
5.750 97.088 97.020 96.951 6.250 99.067 98.971 98.875 98.727 6.750 99.248 99.125 99.002 98.840
5.875 97.421 97.346 97.270 6.375 99.352 99.250 99.147 98.996 6.875 99.741 99.611 99.481 99.316
6.000 97.578 97.496 97.413 6.500 99.511 99.401 99.291 99.137 7.000 100.120 99.983 99.846 99.678
6.125 97.698 97.609 97.520 6.625 99.631 99.514 99.398 99.240 7.125 100.325 100.182 100.038 99.866
6.250 97.852 97.756 97.660 6.750 99.797 99.673 99.550 99.388 7.250 100.484 100.334 100.183 100.008
6.375 97.910 97.807 97.705 6.875 100.219 100.089 99.959 99.794 7.375 100.915 100.757 100.600 100.421
6.500 98.010 97.900 97.791 7.000 100.522 100.385 100.248 100.080 7.500 101.242 101.077 100.913 100.731
6.625 98.193 98.076 97.960 7.125 100.695 100.551 100.408 100.236 7.625 101.457 101.286 101.115 100.929

Homestyle Renovation (doc #5719)


15-Year 10 Day 30 Day 50 Day 70 Day 30-Year 10 Day 30 Day 50 Day 70 Day
5.500 98.527 98.472 98.418 98.163 Max Premium is 101.0 5.500 97.456 97.401 97.347 97.219
5.625 98.799 98.737 98.675 98.414 5.625 97.885 97.824 97.762 97.631
5.750 99.139 99.070 99.002 98.733 In addition, use applicable Conforming 5.750 98.419 98.350 98.282 98.148
5.875 99.482 99.406 99.331 99.055 Adjustments on page 1 of rate sheets. 5.875 99.042 98.966 98.891 98.753
6.000 99.615 99.533 99.451 99.169 6.000 99.379 99.296 99.214 99.073
6.125 99.747 99.658 99.569 99.280 EA Option: subtract 0.375 from price. 6.125 99.644 99.555 99.466 99.321
6.250 100.131 100.035 99.939 99.643 Purchase loans subtract 0.125 from price. 6.250 99.879 99.783 99.687 99.539
6.375 100.336 100.233 100.131 99.828 Also use Conforming Adjustments below. 6.375 100.266 100.163 100.060 99.909
6.500 100.477 100.367 100.257 99.948 6.500 100.437 100.328 100.218 100.063

State Tier Adj ustments Conforming Loan Adj ustments


Tier 1+ TX Purpose CO Refinance Price Adjustment Grid (FICO/LTV)
Tier 1 FL, NY <=60% 60.01-75% 75.01-80% 80.01-85% 85.01-90%
Tier 2 GA, MD, NC, NJ, OK, PA, TN >=740 0.000 0.000 -0.250 -0.375 -0.375
Tier 3 AL, AR, AZ, CT, DE, ID, IN, IA, KS, KY, LA, MI, MS, MO, 700-739 0.000 -0.125 -0.500 -1.000 -0.500
NE, NH, NM, ND, OH, RI, SC, SD, VA, VT, WA 680-699 0.000 -0.250 -0.875 -2.000 -1.500
Tier 4 CA, CO, MA, ME, MT, NV, UT (CA no escrow waiver fee) 660-679 0.000 -0.250 -1.000 -2.000 -1.500
Tier 5 IL, OR, WI (no escrow waiver fee) 640-659 0.000 -0.750 -1.750 -2.500 -2.000
Tier 6 AK, DC, HI, MN, VI, WV, WY (MN no escrow waiver fee) 620-639 0.000 -0.750 -2.250 -2.500 -2.000
<620 -1.000 -1.750 -2.750 -3.000 -3.000
Tier 1+ Tier 1 Tier 2 Tier 3 Tier 4 Tier 5 Tier 6 Subordinate Financing
Loan Size > 90% CLTV subtract .25 from price (Fixed)
$30,000-$49,999 -0.725 -0.750 -0.825 -0.875 -0.925 -1.000 -1.025 >=90% CLTV subtract .25 from price (ARMs)
$50,000-$74,999 -0.225 -0.250 -0.325 -0.375 -0.425 -0.500 -0.525 LTV 75.01-90% FICO < 720 subtract .25 from price
$75,000-$99,999 -0.100 -0.125 -0.200 -0.250 -0.300 -0.375 -0.400 CLTV 95.01-100 subtract 1.50 from price (EA DU7.0 only)
$100,000-$124,999 0.025 0.000 -0.075 -0.125 -0.175 -0.250 -0.275 Multi-Unit
$125,000-$149,999 0.085 0.060 -0.015 -0.065 -0.115 -0.190 -0.215 2-units subtract .50 from price
$150,000+ 0.150 0.125 0.050 0.000 -0.050 -0.125 -0.150 3-4 units subtract 1.50 from price
EA DU7.0 Grid Adjustments: Occupancy
Both adjustment grids may apply Investment property <=75% subtract 1.75 from price

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

Additional A Minus Adjustments: Meets Expectations add .05 to price


Level 2 subtract 0.250 from price Level 4 subtract 2.750 from price Needs Improvement subtract .05 from price
Level 3 subtract 1.500 from price Level 5 subtract 2.750 from price
<580 Credit Score subtract .50 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
Main Office 866-227-3620
Fax 888-504-7970
Broker Price Indication Sheet
Lock on-line www.mtgstoreusa.com Expiration Dates: 48 Contiguous States & PR AK, HI, VI

Lock-Ins 866-227-3620 Ext 611 10 Day 11/03/08 1 unit $417,000 $625,500

Lock-Ins Fax 888-504-7970 15 Day 11/10/08 2 units $533,850 $800,775

Processing Department 30 Day 11/24/08 3 units $645,300 $967,950

Stacey Farmer 480-214-2087 50 Day 12/15/08 4 units $801,950 $1,202,925

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

Fannie Mae Flex 97 (35% MI) FNMA Flex w/ Subordinate Financing


30 Year 10 Day 30 Day 50 Day 60 Day 70 Day 30 Year 10 Day 30 Day 50 Day 60 Day 70 Day
5.375 97.322 97.274 97.226 97.102 96.978 5.375 96.447 96.399 96.351 96.227 96.103
5.500 97.831 97.776 97.722 97.594 97.467 Flex 97 5.500 96.956 96.901 96.847 96.719 96.592
5.625 98.260 98.199 98.137 98.006 97.875 doc #5321 5.625 97.385 97.324 97.262 97.131 97.000
5.750 98.794 98.725 98.657 98.523 98.388 5.750 97.919 97.850 97.782 97.648 97.513
5.875 99.417 99.341 99.266 99.128 98.991 5.875 98.542 98.466 98.391 98.253 98.116
6.000 99.754 99.671 99.589 99.448 99.307 Flex w/ Sub. Fin. 6.000 98.879 98.796 98.714 98.573 98.432
6.125 100.019 99.930 99.841 99.696 99.552 doc #5324 6.125 99.144 99.055 98.966 98.821 98.677
6.250 100.254 100.158 100.062 99.914 99.766 6.250 99.379 99.283 99.187 99.039 98.891
6.375 100.641 100.538 100.435 100.284 100.132 6.375 99.766 99.663 99.560 99.409 99.257
6.500 100.812 100.703 100.593 100.438 100.283 6.500 99.937 99.828 99.718 99.563 99.408
6.625 100.930 100.814 100.697 100.539 100.381 6.625 100.055 99.939 99.822 99.664 99.506
6.750 101.078 100.954 100.831 100.669 100.508 6.750 100.203 100.079 99.956 99.794 99.633
For Flex 15Y pricing, see 15Y Fixed (pg 1) and subtract 0.625 from price For 15Y pricing, see 15Y Agency Fixed (pg 1) and sub 1.50 from price

TMS Affordable 97 30-Year TMS Affordable 97 30-Year Interest-Only


30 Year 10 Day 30 Day 50 Day 60 Day 70 Day 30 Year 10 Day 30 Day 50 Day 60 Day 70 Day
5.500 97.115 97.074 97.033 96.912 96.792 7.000 98.694 98.571 98.448 98.286 98.125
5.625 97.947 97.899 97.851 97.727 97.603 7.125 99.072 98.942 98.812 98.647 98.482
5.750 98.456 98.401 98.347 98.219 98.092 7.250 99.382 99.245 99.108 98.940 98.771
5.875 98.885 98.824 98.762 98.631 98.500 7.375 99.598 99.454 99.310 99.138 98.966
6.000 99.419 99.350 99.282 99.148 99.013 7.500 99.889 99.738 99.588 99.412 99.237
6.125 100.042 99.966 99.891 99.753 99.616 7.625 100.334 100.177 100.019 99.840 99.662
6.250 100.379 100.296 100.214 100.073 99.932 7.750 100.612 100.447 100.283 100.101 99.919
6.375 100.644 100.555 100.466 100.321 100.177 7.875 100.795 100.623 100.452 100.266 100.081

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

MyCommunity 30-Year 7.375 100.503 100.464 100.346 100.188 99.831


30 Year 10 Day 30 Day 50 Day 60 Day 70 Day 7.500 100.852 100.811 100.688 100.523 100.159
5.625 96.697 96.649 96.601 96.477 96.353 7.625 101.190 101.148 101.019 100.848 100.477
5.750 97.206 97.151 97.097 96.969 96.842 7.750 101.535 101.490 101.357 101.179 100.801

5.875 97.635 97.574 97.512 97.381 97.250 MyCommunity 30-Year Interest-Only


6.000 98.169 98.100 98.032 97.898 97.763 30 Year 10 Day 30 Day 50 Day 60 Day 70 Day
6.125 98.792 98.716 98.641 98.503 98.366 My 7.000 97.444 97.321 97.198 97.036 96.875
6.250 99.129 99.046 98.964 98.823 98.682 Community 7.125 97.822 97.692 97.562 97.397 97.232
6.375 99.394 99.305 99.216 99.071 98.927 doc #5325 7.250 98.132 97.995 97.858 97.690 97.521
6.500 99.629 99.533 99.437 99.289 99.141 7.375 98.348 98.204 98.060 97.888 97.716
6.625 100.016 99.913 99.810 99.659 99.507 7.500 98.639 98.488 98.338 98.162 97.987
6.750 100.187 100.078 99.968 99.813 99.658 7.625 99.084 98.927 98.769 98.590 98.412
6.875 100.305 100.189 100.072 99.914 99.756 7.750 99.362 99.197 99.033 98.851 98.669
7.000 100.453 100.329 100.206 100.044 99.883 7.875 99.545 99.373 99.202 99.016 98.831

MyCommunity 35/40-Year MyCommunity 40-Year Interest-Only


35/40 Year 10 Day 30 Day 50 Day 60 Day 70 Day 40 Year 10 Day 30 Day 50 Day 60 Day 70 Day
7.000 97.875 97.751 97.628 97.467 97.305 7.375 97.984 97.826 97.669 97.490 97.311
7.125 98.133 98.002 97.872 97.707 97.542 7.500 98.312 98.147 97.983 97.801 97.618
7.250 98.494 98.357 98.220 98.052 97.883 7.625 98.637 98.466 98.295 98.109 97.924
7.375 98.854 98.710 98.566 98.394 98.223 7.750 98.969 98.791 98.613 98.424 98.235
7.500 98.961 98.810 98.660 98.484 98.309 7.875 99.307 99.122 98.937 98.745 98.552
7.625 99.325 99.167 99.009 98.831 98.652 8.000 99.643 99.451 99.259 99.063 98.867

7.750 99.659 99.495 99.330 99.148 98.966 MyCommunity 35-Year Interest-Only


7.875 99.991 99.820 99.649 99.463 99.277 35 Year 10 Day 30 Day 50 Day 60 Day 70 Day
7.375 99.253 99.096 98.938 98.760 98.581
7.500 99.602 99.438 99.273 99.091 98.909
7.625 99.940 99.769 99.598 99.412 99.227
7.750 100.285 100.107 99.929 99.740 99.551
7.875 100.619 100.434 100.249 100.057 99.864
8.000 100.959 100.767 100.575 100.379 100.184

State Tier Adj ustments Conforming Loan Adj ustments


Tier 1+ TX FNMA Flex 97 (18% MI) add 0.375% to Flex 97 (35% MI) rate

Tier 1 FL, NY Interest-Only (Flex products ONLY)


Tier 2 GA, MD, NC, NJ, OK, PA, TN Use 30Y Interest-Only (10Y I-O Term) Pricing on 1st page
Tier 3 AL, AR, AZ, CT, DE, ID, IN, IA, KS, KY, LA, MI, MS, MO, FICO <=680 subtract 1.00 from price (Flex 97)
NE, NH, NM, ND, OH, RI, SC, SD, VA, VT, WA FICO >680 subtract 0.50 from price (Flex 97)
Tier 4 CA, CO, MA, ME, MT, NV, UT (CA no escrow waiver fee) Subtract 1.125 from price (Flex w/ sub. Fin.)
Tier 5 IL, OR, WI (no escrow waiver fee) Purpose
Tier 6 AK, DC, HI, MN, VI, WV, WY (MN no escrow waiver fee) Rate/Term Refinance subtract .125 from price
Tier 1+ Tier 1 Tier 2 Tier 3 Tier 4 Tier 5 Tier 6 ****Excludes Flex w/Sub Fin/EA Level1
Loan Size LTV (2-Family Products only)
$30,000-$49,999 -0.725 -0.750 -0.825 -0.875 -0.925 -1.000 -1.025 >95% LTV add 0.25% to rate
$50,000-$74,999 -0.225 -0.250 -0.325 -0.375 -0.425 -0.500 -0.525 All Subordinate Financing
$75,000-$99,999 -0.100 -0.125 -0.200 -0.250 -0.300 -0.375 -0.400 MCM 97, 2-Fam & Flag Afford subtract 0.50 from price
$100,000-$124,999 0.025 0.000 -0.075 -0.125 -0.175 -0.250 -0.275 Home Pos FICO <720 subtract 0.75 from price
$125,000-$149,999 0.085 0.060 -0.015 -0.065 -0.115 -0.190 -0.215 Home Pos FICO >=720 subtract 0.50 from price
$150,000+ 0.150 0.125 0.050 0 -0.050 -0.125 -0.150 Units (Home Possible 97 ONLY)
FICO/LTV adjustments (excludes 10Y/15Y products) 3-4 Units LTV 90.01-95% subtract 1.00 from price
FICO <=60% 60.01-70% 70.01-75% 75.01-80% 80.01-85% >85% NY Transfer Tax
740+ +0.250 0.000 0.000 0.000 0.000 +0.250 subtract .25 from price (NY properties ONLY)
720-739 +0.250 0.000 0.000 -0.250 0.000 +0.250 Temporary Buydown (MCM & Flag Affordable)
700-719 +0.250 -0.500 -0.500 -0.750 -0.500 -0.250 2-1 subtract 2.75 from price
680-699 0.000 -0.500 -0.500 -1.000 -0.500 -0.250 Loans closing in the name of "TMS Bank"
660-679 0.000 -0.500 -1.250 -1.750 -1.500 -1.000 subtract .05 from price
640-659 0.000 -0.500 -1.750 -2.250 -2.000 -1.500 **Only loans authorized by TMS in the following states
620-639 0.000 -0.750 -2.500 -2.750 -2.750 -2.250 (CA, CT, FL, IA, MA, MD, ME, MI, NC, NH, NJ, NY, PA, RI, SC,
<620 0.000 -0.750 -2.750 -2.750 -2.750 -2.750 VA, VT, WV)

Lender Paid Mortgage Insurance Credit Score

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

EA L2 response and manual uw subtract 2.25 from price

Key Indices: Home Possible 97 (doc #5335)


Aug 10-Year Yield 3.840 Aug 20-Year Yield 4.500 12 Month LIBOR 3.509 Based off Agency pricing - 1st page
Sep 10-Year Yield 3.470 Sep 20-Year Yield 4.140 6 Month LIBOR 3.528 LTV <= 95% subtract 1.50
Prime 4.500 1 Year T-Bill/CMT 1.250 MTA 2.478 LTV 95.01-97% subtract 1.85
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

Main Office 866-227-3620

Fax 888-504-7970 Broker Price Indication Sheet


Lock on-line www.mtgstoreusa.com Expir ation Dates: Key Indices 4 8 Contiguous Sta te s & PR AK, HI, VI

Lock-Ins 866-227-3620 Ext 611 10 Day 11/03/08 1 Yr CMT 1.250 1 unit $ 4 1 7 ,0 0 0 $ 6 2 5 ,5 0 0

Lock-Ins Fax 888-504-7970 15 Day 11/10/08 6 Month 2 u n i ts $ 5 3 3 ,8 5 0 $ 8 0 0 ,7 7 5


3.528
Processing Department 30 Day 11/24/08 LIBOR 3 u n i ts $ 6 4 5 ,3 0 0 $ 9 6 7 ,9 5 0

Stacey Farmer 480-214-2087 50 Day 12/15/08 1 Year 4 u n i ts $ 8 0 1 ,9 5 0 $ 1 ,2 0 2 ,9 2 5


3.509
Kat Shelton 480-214-2084 Rosa Chavez 480-344-575060
Ext
Day
608 12/23/08 LIBOR

Agency ARM and Balloon Products


Maxim um Com pensation Total YSP on Confor m ing ARMs is 101.5 for r efinances, 101.75 for pur chases

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

State Tier Adjustments Conforming Loan Adjustments


Tier 1+ TX Pur pose CO Refinance Price Adjustment Grid (FICO/LTV)

Tier 1 FL, NY <=60% 60.01-75% 75.01-80% 80.01-85% 85.01-90%

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

<620 -1.125 -1.875 -2.875 -3.125 -3.125

Tier 1+ Tier 1 Tier 2 Tier 3 Tier 4 Tier 5 Tier 6 Rate/Term Refinance subtract .125 from price

Loan Size Subor dinate Financing

$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

Fannie/Fr eddie Jum bo Additional Adjustm ents Multi-Unit

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)

Refer Eligible subtract 0.75 from price (FN only) Occupancy

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

FICO <=60% 60.01-70% 70.01-75% 75.01-80% 80.01-85% >85% 40-Year Am or tization

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

680-699 0.000 -0.500 -0.500 -1.000 -0.500 -0.250 Lock Fallout

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

90.01-95 -5.040 -3.850 -3.140

90.01-95-Flex ARM -5.830 -3.810 -3.140

95.01-97-Flex ARM N/A -5.400 -3.800

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

Main Office 866-227-3620

Fax 888-504-7970 Broker Price Indication Sheet


15011 N 75th St Lock-Ins 866-227-3620 Ext 611 Main Office 866-227-3620

Scottsdale, AZ 85260 Lock-Ins Fax 888-504-7970

Expir ation Dates: 15 Day 11/10/08 30 Day 11/24/08 60 Day 12/23/08

Gov ernment Fixed and Adj ustable Rates (doc #5810)


GNMA I 30Y/15Y GNMA II 30Y GNMA II 15Y

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

6.625 101.109 101.022 100.847 6.125 101.702 101.635 101.502

6.750 101.415 101.323 101.138 6.250 102.040 101.969 101.825

Max Com pensation Total YSP is 104.00 6.875 101.478 101.380 101.185 6.375 102.160 102.083 101.929

7.125 101.577 101.469 101.253 6.625 102.344 102.256 102.082

7.250 103.142 103.029 102.803 6.750 102.587 102.495 102.310

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

FHA/VA Fixed Pr ogr am Adjustm ents:

$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

Government Adjustable Rates


3/1 ARM 15 Days 30 Day 60 Day 5/1 ARM 15 Day 30 Day 60 Day

5.250 98.246 98.121 97.996 5.500 97.439 97.314 97.189

5.375 98.402 98.277 98.152 Caps: 1/1/5 5.625 97.697 97.572 97.447

5.500 98.558 98.433 98.308 5.750 98.267 98.142 98.017

5.625 98.714 98.589 98.464 Margin: 2.00% 5.875 98.635 98.510 98.385

5.750 99.339 99.214 99.089 6.000 99.002 98.877 98.752

5.875 99.574 99.449 99.324 Max Net Premium 6.125 99.369 99.244 99.119

6.000 99.808 99.683 99.558 103.00 6.250 99.861 99.736 99.611

6.125 100.042 99.917 99.792 6.375 100.142 100.017 99.892

6.250 100.152 100.027 99.902 6.500 100.424 100.299 100.174

6.375 100.402 100.277 100.152 6.625 100.705 100.580 100.455

6.500 100.652 100.527 100.402 6.750 101.127 101.002 100.877

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

NY subtract .25 TX add 0.125 FICO >660 add 0.25

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

Jumbo Fixed and ARMs (doc #5401)


30 Year Fixed 15 Year Fixed

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

7.750 94.951 94.451 6.875 94.995 94.495

7.875 95.199 94.699 7.000 95.260 94.760

8.000 95.455 94.955 7.125 95.504 95.004

8.125 95.628 95.128 7.250 95.730 95.230 ARM Info

8.250 95.750 95.250 7.375 95.930 95.430 Caps: 5/2/5

8.375 95.856 95.356 7.500 96.103 95.603 Margin: 2.250%

8.500 95.936 95.436 7.625 96.236 95.736

5/1 LIBOR ARM 7/1 LIBOR ARM 10/1 LIBOR ARM

Rate 15 Day 30 Day Rate 15 Day 30 Day Rate 15 Day 30 Day

8.875 95.620 95.370 8.875 94.602 94.332 8.875 94.014 93.744

9.000 95.846 95.596 9.000 94.898 94.628 9.000 94.370 94.100

9.125 96.060 95.810 9.125 95.179 94.909 9.125 94.709 94.439

9.250 96.263 96.013 9.250 95.448 95.178 9.250 95.030 94.760

9.375 96.457 96.207 9.375 95.706 95.436 9.375 95.334 95.064

9.500 96.645 96.395 9.500 95.955 95.685 9.500 95.626 95.356

9.625 96.826 96.576 9.625 96.197 95.927 9.625 95.906 95.636

9.750 96.999 96.749 9.750 96.429 96.159 9.750 96.176 95.906

Jumbo ARM Program Adjustments:


ARM FICO Score Adjusters Other ARM Adustments: All Jumbo Adjustments:
LTV 720+ 700-719 680-699 660-679 620-659 $1,500,001 - $3,000,000 -0.375

<=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

80.01-85% -0.500 -0.750 -1.000 -1.250 N/A Second Home -0.125


85.01-90% -0.625 -0.875 -1.125 -1.375 N/A

Jumbo Fixed Program Adjustments: LTV

FICO <=55% 55.01-60% 60.01-65% 65.01-70% 70.01-75% 75.01-80% 80.01-85% 85.01-90%

FICO Score Adjusters: 620-639 -3.000 -3.500 -4.000 -4.000 N/A N/A N/A N/A

640-659 -1.250 -1.375 -1.500 -1.625 N/A N/A N/A N/A

660-679 -0.875 -1.125 -1.250 -1.375 -1.625 -2.250 -2.500 -2.875

680-699 -0.375 -0.375 -0.500 -0.875 -1.500 -1.750 -2.125 -2.250

700-719 0.250 0.125 0.125 -0.125 -0.500 -0.750 -0.750 -1.000


720+ 0.375 0.250 0.125 -0.125 -0.250 -0.750 -0.750 -0.750

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

660-719 -0.250 -0.250 -0.250 -0.375 -0.500 -0.500 -1.000 -1.250


>=720 -0.125 -0.125 -0.125 -0.250 -0.250 -0.375 -0.750 -1.000

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

660-719 -0.125 -0.125 -0.250 -0.375 -0.500 -0.625 N/A N/A


>=720 -0.125 -0.125 -0.250 -0.250 -0.375 -0.500 N/A N/A

Interest-Only <660 -0.625 -0.625 -0.750 -0.750 N/A N/A N/A N/A

660-719 -0.250 -0.250 -0.250 -0.375 -0.500 -0.500 N/A N/A


>=720 0.000 0.000 -0.125 -0.250 -0.375 -0.375 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