Rate Sheet Packet. Phone: (844) Program Highlights*

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Lisa Henderson
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1 Rate Sheet Packet Owner Occupied Non-Owner Occupied Expanded Prime Near-Prime Non-Prime Near-Prime Non-Prime Investor Adv. Rate Sheet Page 2 Page 3 Page 4 Rate Sheet Page 3 Page 4 Page 5 Page 6 Credit Credit LTVs up to: 85% 95% 85% LTVs up to: 85% 80% 80% 75% FICO FICO N/A Minimum $100,000 $100,000 $100,000 Minimum $100,000 $100,000 $100,000 $100,000 Maximum $2,000,000 $2,500,000 $2,000,000 Maximum $2,500,000 $2,000,000 $2,000,000 $1,500,000 Debt Ratios Debt Ratios Max DTI (Standard) 43% 50% 43% Max DTI (Standard) 50% 43% N/A 50% / N/A Enhanced DTI (to 50%) Enhanced DTI (to 50%) N/A N/A Enhanced DTI (to 55%) Not Allowed Enhanced DTI (to 55%) Not Allowed Not Allowed N/A N/A Income Documentation Income Documentation Full Doc Full Doc N/A Asset Depletion Not Allowed Not Allowed Asset Depletion Not Allowed N/A 24mo Personal Bank Statements 24mo Personal Bank Statements N/A Not Allowed 24mo Business Bank Statements 24mo Business Bank Statements N/A Not Allowed 1 Year Alt Doc Not Allowed 1 Year Alt Doc N/A Not Allowed 12mo Personal Bank Statements 12mo Personal Bank Statements N/A Not Allowed Program Highlights* 3/1 ARM /1 ARM - - 5/1 ARM 5/1 ARM 7/1 ARM 7/1 ARM /1 ARM /1 ARM yr Fixed 30yr Fixed - - Interest Only (ARMs only) Interest Only (ARMs only) * See Guidelines for details Program Requirements Expanded Non-Prime Investor Near-Prime Prime A B C Advantage Mortgage History 0x30x12 1x30x12 0x60x12 0x120x12 0x120x12 1x30x12 1x30x12 Bankruptcy Seasoning 60 Months 36 Months 12 Months Settled FC/SS/DIL Seasoning 60 Months 36 Months 12 Months Settled Residual Income $2,500 $2,500 $1,500 $1,500 $1,500 N/A N/A Pricing Policies Expanded Investor Rate Lock Desk Near-Prime Non-Prime Prime Advantage Phone: (844) (844-DHM-WHSL) Fees wholesalelock@deephavenmortgage.com Underwriting Fee $1, $1, $1, $1, $1, Hours: 8:30am - 6:30pm EST (Mon-Fri) Max Rate Rate Premium: Limited to Individual Lender Paid Compensation Plan Amount; Deal Desk dealdesk@deephavenmortgage.com Premium Borrower Paid Comp; All Loans Priced at Par after s Hours: 8:30am - 6:30pm EST (Mon-Thurs) Max s N/A N/A Hours: 8:30am - 5:00pm EST (Friday) Contact

2 Expanded-Prime Rate Sheet Coupon 5/1 ARM 30Yr Fixed Documentation Full Doc N/A N/A N/A N/A N/A N/A N/A Month Bank Statements Mo Bank Stmt* *In addition to 24 Month Bank Statement FICOxLTV Price Adjustments Product /1 ARM Interest-Only N/A N/A < 150, < 250, > 600, > 1,000, N/A > 1,500, N/A N/A Cash-Out N/A N/A N/A Second Home N/A N/A N/A N/A Condo DTI > 43** N/A Non-CA State **Full Doc and 24 Month Personal Bank Statements only Term/Extension Adjustments ARM Features Program Requirements Days Adj. 5/1 ARM 7/1 ARM Expanded Prime Margin 3.50% 3.50% Min $100,000 Lock Term 30 N/A Caps 2/2/5 5/2/5 Max $2,000,000 5 N/A Index 1YR LIBOR Mortgage History 0x30x12 10 N/A Floor 3.50% 3.50% Bankruptcy Seasoning 60 Months Extension IO Term 10 Years FC/SS/DIL Seasoning 60 Months Qualifying Rate: Max(Fully Indexed, Note Rate) Residual Income $2,500

Near-Prime Rate Sheet Email: wholesalelock@deephavenmortgage.com Phone: (800) 983-0457 Coupon 5/1 ARM 30Yr Fixed Documentation 5.250 100.000 98.000 5.375 100.250 98.500 5.500 100.500 99.000 5.625 100.

3 Near-Prime Rate Sheet Phone: (800) Coupon 5/1 ARM 30Yr Fixed Documentation Full Doc Month Bank Statements or 1-Year Alt Doc Mo Bank Stmt** *Primary Occupancy, Purchase Only, Max DTI = 35%, > $453,100 Only **In addition to 24 Month Bank Statement FICOxLTV Product Loan Amount ***Not Allowed on 12 Month Bank Statements or 1 Year Alt Doc 90% 95%* N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Price Adjustments % 95% 7/1 ARM Interest-Only N/A N/A < 150, N/A < 250, N/A > 600, >1,000, >1,500, N/A N/A Cash-Out N/A N/A Second Home N/A N/A N/A Investor N/A N/A Condo N/A N/A Non-Warrantable N/A N/A N/A 2-4 Units N/A N/A N/A DTI > 43 *** N/A Term/Extension Adjustments Max Price / Prepay Buydown ARM Features Program Requirements Days Adj. Term Max Px Feature 5/1 ARM 7/1 ARM Near Prime Year Margin 3.50% 3.50% Min $100,000 Lock Term 30 N/A 2 Year Caps 2/2/5 5/2/5 Max $2,500,000 5 N/A 1 Year Index 1YR LIBOR Mortgage History 1x30x12 10 N/A No Prepay Floor 3.50% 3.50% Bankruptcy Seasoning 36 Months Extension Prepayment Penalties allowed on Investor loans only. IO Term 10 Years FC/SS/DIL Seasoning 36 Months See matrix for state restrictions. Qual Rate: Max(Fully Indexed, Note Rate) Residual Income $2,500

4 Non-Prime Rate Sheet 60 Day Pricing Coupon 5/1 ARM Documentation Full Doc Month Bank Statements or 1-Year Alt Doc Mo Bank Stmt* *In addition to 24 Month Bank Statement FICOxLTV Credit Grade Product Max Price: Day Lock Day Lock Not Offered Price Adjustments --- FICO x LTV N/A N/A N/A N/A N/A N/A N/A N/A Price Adjustments --- B C N/A N/A N/A 7/1 ARM Interest-Only Yr Fixed < 150, < 250, > 600, > 1,000, > 1,500, Cash-Out N/A Second Home N/A Investor N/A Condo Non-Warrantable N/A 2-4 Units N/A DTI > Non-US Credit N/A Extension Adjustments Max Price / Prepay Buydown ARM Features Program Requirements Days Adj. Term Max Px 5/1 ARM 7/1 ARM A B C 5 N/A 3 Year /2/5 caps 5/2/5 caps Min Loan $100,000 $100,000 $100,000 Extension 10 N/A 2 Year Margin: 3.50% Max Loan $2,000,000 $2,000,000 $1,000,000 Period Year Floor: 3.50% Mtg History 0x60x12 0x120x12 0x No Prepay Index: 1 year LIBOR Bankruptcy 12 Months Settled Max Extensions: 2 Investor loans only - See Matrix Qual Rate: Max(Fully Indexed,Note Rate) FC/SS/DIL 12 Months Settled

5 Investor Advantage Rate Sheet Investor Advantage 3/1 ARM Investor Advantage FICO N/A N/A N/A DSCR DSCR DSCR < 1.15 or None N/A Price Adjustments /1 ARM /1 ARM < 150, < 250, > 600, > 1,000, N/A > 1,500, N/A Cash-Out N/A Rate Term Interest Only N/A Units N/A Condo Non-Warrantable N/A Max s: N/A Lock Periods Term 30 days Not Offered 45 days days Prepay Buydown / Max Price Prepay Term 3 Year Year Year No Prepay* *See Eligibility Matrix for No Prepay Allowed States Extensions Days 5 N/A 10 N/A Max # of extensions: 2 ARM Features Max Price Feature 3/1 ARM 5/1 ARM 10/1 ARM Margin 6.00% 6.00% 6.00% Caps 2/2/6 2/2/5 5/2/ Index 1YR LIBOR Floor 6.00% 6.00% 6.00% IO Term 5 Years 10 Years Program Parameters Criteria Investor Advantage Minimum Loan Amt $100,000 Maximum $2,000,000 Mortgage History 1x30x12 Bankruptcy Seasoning FC/SS/DIL Seasoning

6 Rate Sheet 3/1 ARM Full Doc N/A Doc Type DSCR N/A No DSCR N/A Price Adjustments /1 ARM N/A /1 ARM N/A < 150, N/A < 250, N/A > 600, N/A > 1,000, N/A > 1,500,000 N/A N/A N/A N/A N/A N/A Cash-Out N/A N/A Rate Term N/A Interest Only N/A Second Home* N/A Units N/A Condo N/A Non-Warrantable Condo N/A *Full Doc / Asset Depletion only Max s: N/A Lock Periods Term 30 days Not Offered 45 days days Prepay Buydown / Max Price Prepay Term 3 Year 2 Year 1 Year No Prepay** **See Eligibility Matrix for No Prepay Allowed States Extensions Days 5 N/A Max # of extensions: 2 ARM Features Max Price Feature 3/1 ARM 5/1 ARM 10/1 ARM Margin 6.00% 6.00% 6.00% Caps 2/2/6 2/2/5 5/2/ Index 1YR LIBOR Floor 6.00% 6.00% 6.00% IO Term 5 Years 10 Years N/A Program Requirements Criteria Minimum $100,000 Maximum $1,500,000 Mortgage History 1x30x12 Bankruptcy Seasoning FC/SS/DIL Seasoning

FANNIE MAE CONVENTIONAL PRODUCTS

FANNIE MAE CONVENTIONAL PRODUCTS 30-Year Fixed Rate 20-Year Fixed Rate 15-Year Fixed Rate CONFORMING 30 YEAR FIXED CONFORMING 20 YEAR FIXED CONFORMING 15 YEAR FIXED 4.000 97.840 97.786 97.740 97.696 3.750 97.479 97.424 97.366 97.308 3.125