Electronic Portfolio

Leisure Interest Assessment Ties
http://www.focuscareer2.com/LoggedIn/LeisureInterestAssessmentBreakTies.cfm?Unique={ts ...
ADDITIONAL HELP
Ties in Your Profile

You probably noticed on the bar chart that some areas hold about the
same level of appeal to you. This has resulted in some ties. Our data
indicates that you have ties between Organizing, and Educational.
You must break these ties so that we can display the most appropriate
list of occupations for you to explore. Please select one from below and
click on Next.
Practical
75.00
Organizing
66.67
Educational
66.67
Leading
58.33
Artistic
54.17
Social
12.50
0
10
20
30
40
50
60
70
80
90 100
Organizing
People with an organizing orientation generally like to be involved in activities that follow set procedures and routines. They like to work with
data and details, have clerical or numerical ability, and carry out tasks in great detail. They are often described as being conforming, practical,
careful, obedient, thrifty, efficient, orderly, conscientious, and persistent.
Educational
People with an educational orientation like to be involved in activities that have to do with ideas and thinking; these are people who like to
observe, learn, investigate, analyze, evaluate, or solve problems. They like to search for facts and figure out problems mentally. They prefer
working with ideas rather than with people or things. They are often described as being analytical, curious, methodical, rational, cautious,
independent, precise, reserved, complex, intellectual, and modest.
Focus 2
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8/3/2015 9:05 AM
Leisure Interest Assessment Ties
http://www.focuscareer2.com/LoggedIn/LeisureInterestAssessmentBreakTies.cfm?Unique={ts ...
Copyright 2013 Career Dimensions, Inc. All Rights Reserved
8/3/2015 9:05 AM
Leisure Interest Assessment Summary
http://www.focuscareer2.com/LoggedIn/LeisureInterestAssessmentSummary.cfm?Unique={ts ...
Leisure Interest Profile Summary
Your Leisure interests can be summarized as follows.
Your average score in each area is also shown below as a number ranging from 0 to 100 where:
0=Low 50=Moderate 100=High
Practical
75.00
Organizing
66.67
Educational
66.67
Leading
58.33
Artistic
54.17
Social
12.50
0
10
20
30
40
50
60
70
80
90 100
Your leisure interests in the order you selected can be described as:
Practical
"the doers"
People with a practical orientation generally prefer hands-on activities, and tend to focus on things in the physical world. They typically
enjoy working with tools or machines, and often gravitate to toward careers that can be performed outdoors. They are often described
as being frank, genuine, humble, practical, natural, and persistent.
Organizing
"the organizers"
People with an organizing orientation generally like to be involved in activities that follow set procedures and routines. They like to work
with data and details, have clerical or numerical ability, and carry out tasks in great detail. They are often described as being
conforming, practical, careful, obedient, thrifty, efficient, orderly, conscientious, and persistent.
Educational
"the thinkers"
People with an educational orientation like to be involved in activities that have to do with ideas and thinking; these are people who like
to observe, learn, investigate, analyze, evaluate, or solve problems. They like to search for facts and figure out problems mentally.
They prefer working with ideas rather than with people or things. They are often described as being analytical, curious, methodical,
rational, cautious, independent, precise, reserved, complex, intellectual, and modest.
8/3/2015 9:05 AM
Leisure Interest Assessment Summary
http://www.focuscareer2.com/LoggedIn/LeisureInterestAssessmentSummary.cfm?Unique={ts ...
Leading
People with a leading orientation like to influence others. They tend to enjoy persuading others to see their point of view. They often
"the persuaders" like to work with people and ideas, rather than things. They are often described as being adventurous, energetic, optimistic, agreeable,
extroverted, popular, sociable, self-confident, and ambitious.
Artistic
"the creators"
People with an artistic orientation tend to be creative and intuitive, and enjoy activities like writing, painting, sculpturing, playing a
musical instrument, performing, etc. They enjoy working in an unstructured environment where they can use their imagination and
creativity. They are most often described as being: open, imaginative, original, intuitive, emotional, independent, idealistic, and
unconventional.
Social
"the helpers"
People with a social orientation enjoy helping and advising people. They tend to be concerned about other peoples welfare. They
promote learning and personal development and are very interested in human relationships. They are often described as being helpful,
responsible, warm, cooperative, idealistic, sociable, tactful, friendly, kind, sympathetic, generous, patient, and understanding.
Focus 2
8/3/2015 9:05 AM
Leisure Interest Occupations
http://www.focuscareer2.com/LoggedIn/LeisureInterestAssessmentOccupations.cfm?DisplayA...
ADDITIONAL HELP
Summary of Your Leisure Interest Profile:

Practical
Only Display Occupations That Would Require A ...
the doers
No Preference
Associate or 2 Year Degree
Organizing
Bachelor Degree
the organizers
Advanced Degree
Educational
Clear Preferences
To clear your current selections and display careers at all
education levels, click here.
the thinkers
Careers That Match Your Leisure Interests

To explore an occupation in your list, please make a selection from below.
To change the sort order click on the column heading.
SAVED
OCCUPATION NAME
GREEN
BRIGHT
JOBS OUTLOOK
NATIONAL
AVERAGE
SALARY
MAJORS AT
UNIVERSITY OF MEMPHIS
Aircraft Body and Bonded Structure Repairer
$52,970.00
Animal Trainer
$31,080.00
Aviation Inspector
$61,110.00
Brewmaster
$40,340.00
Chemical Equipment Operator
$45,100.00
Computer Aided Design (CAD) Technician
$49,790.00
Information Technology
Computer Science
Engineering Technology
Computer Engineering
Computer Engineering Technology
Management Information Systems
(MIS)
8/3/2015 9:06 AM
Electronic Drafter
$54,800.00
Electrical, Electronic and

Communications Engineering
Technology
Electrical Engineering
Embalmer
$41,180.00
Forest Fire Inspectors and Prevention Specialist
$38,360.00
Geological Data Technicians
$58,400.00
Geology/Earth Science
Geography
Hazardous Materials Removal Worker
$40,270.00
Heavy Equipment Mechanic
$45,630.00
Instrument Technician
$55,410.00

Technology
Manufacturing Engineering Technology
Locomotive Operator
$53,590.00
Materials Inspector
$34,840.00
Mechanical Drafter
$49,790.00
Architecture
Technology
Mechanical Inspector
$34,840.00
Nuclear Monitoring Technician
$66,700.00
Nuclear Power Reactor Operator
$74,180.00
Numerical Tool and Process Control Programmers
$48,230.00
Operating Engineer
$52,040.00
Engineering
Mechanical Engineering
Ophthalmic Laboratory Technician
$29,880.00
Petroleum Refinery and Control Panel Operators
$56,990.00
Power Plant Operators
$60,270.00
8/3/2015 9:06 AM
Precision Devices Inspectors and Testers
$34,840.00
Radiologic Technicians
$54,180.00
Railroad Inspector
$61,110.00
Ship Pilot
$70,740.00
Surveying Technicians
$39,470.00
Architecture
Urban and Regional Planning
Engineering
Geographic Information Science and
Cartography
Surveyor
$57,420.00
Architecture
Engineering
Geography
Tool and Machine Designer
$61,400.00
Engineering
Water Treatment Plant Operators
$41,580.00
Focus 2
8/3/2015 9:06 AM
Personality Profile
http://www.focuscareer2.com/LoggedIn/PersonalityAssessmentSummary.cfm
Your Personality Profile
Your personality can be summarized as follows.
Your Personality Type:

You like to work on projects where you can be systematic, innovate and explore new ideas. You enjoy starting new projects that offer challenges and the
possibility of discovering new ways to do things. You enjoy working independently and pay attention to the details as needed to get the job done.
When working with detailed information regarding a problem, you often see the important patterns and main themes that can lead to a solution. You are
interested in the ideas behind a job and want to have an understanding of the job before taking action. Your approach to work and life is to be orderly, set
goals, make plans and proceed with your work in a logical fashion.
Choosing Your Career:
People with your personality type are attracted to occupations that offer a variety of intellectual challenges and opportunities for research and solving
problems. Examples of such occupations are found in fields such as sciences, engineering, information systems, mathematics, and technological research.
Focus 2
8/3/2015 8:58 AM
Skills Summary
http://www.focuscareer2.com/LoggedIn/SkillsAssessmentSummary.cfm
The Skills You Selected Are:

Managing Money
Determining how much money is required to get a job done,
allocating those monies, and then accounting for all expenditures.
Social Perceptiveness
Being aware of the reactions of others, and understanding why
they react the way they do.
Writing and Authoring
Composing and communicating your ideas in written form.

No Preference
Bachelor Degree
Advanced Degree
Clear Preferences
To clear your current selections and
display careers at all education levels,
click here.
Occupations That Match Your Skills

To explore an occupation in your list,
please make a selection from below.
Occupations that match all the Skills that you have selected:
SAVED
OCCUPATION NAME
GREEN
JOBS
BRIGHT
OUTLOOK
NATIONAL
AVERAGE
SALARY
MAJORS AT
Benefits Manager
$95,230.00
Liberal Arts and Sciences

Business Administration and Management
Accounting
Leadership Studies
Compensation Administrator
$95,230.00
Mathematics
Economics
Accounting
$113,730.00
Mathematics
Accounting
Finance
Controller (Finance)
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Skills Summary
Social and Human Service Assistants
$29,880.00

General Studies
Psychology
Social Work
Sociology
Special Education Administrator
$80,140.00
Education
Curriculum and Instruction
Educational Administration / Leadership
Higher Education Administration
Special Education and Teaching
Traffic Administrator (Freight & Passenger)
$85,470.00

Public Administration
Logistics,Materials, and Supply Chain
Management
Other Occupations with Majors that include 2 Skills that you selected that you may want to consider:
SAVED
OCCUPATION NAME
GREEN
BRIGHT
JOBS OUTLOOK
NATIONAL
AVERAGE
SALARY
(HIDE)
MAJORS AT
Advertising Agency Coordinator
$97,670.00
Media Studies and Mass

Communication
Business Administration and
Management
Marketing
Advertising Sales Promotion Manager
$97,670.00

Management
Marketing
Alumni Relations Coordinator
$95,340.00

Educational Administration /
Leadership
Community College
Administration
Athletic Coach
$35,740.00
Physical Education Teaching and

Coaching
Sport and Fitness
Administration/Management
Kinesiology and Exercise Science
Audiologist
$66,850.00
Audiology
Audiology and Speech-Language
Pathology

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Skills Summary
Bank and Branch Managers
$113,730.00

Mathematics
Management
Accounting
Business/Managerial Economics
Finance
International Business and Trade
Marketing
Leadership Studies
Biopsychologist
$84,220.00
Biology/Biological Sciences
Mathematics
Psychology
Border Patrol Agent
$55,180.00
Political Science
Broadcast News Analyst
$67,990.00
Journalism
English
History
Budget Analyst
$69,240.00
Mathematics
Management
Accounting
Finance
Management Information
Systems (MIS)
Business Professor
$83,840.00
Education
Economics
Management
Logistics,Materials, and Supply
Chain Management
Accounting
Finance
Marketing
Business Service Specialist
$94,180.00

Economics
Management
Accounting
Finance

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Skills Summary
Casting Director
$86,870.00
Theater and Drama

Music
Chaplain
$46,960.00
Education
Philosophy
Psychology
Social Work
History
Chief Executives
$167,280.00

Management
Chief Financial Officer
$113,730.00
Mathematics
Management
Accounting
Finance
Child Care Center Administrator
$48,170.00
Education
Leadership
Psychology
Social Work
Sociology
Management
Child Support Investigator
$65,860.00
Child Support Services Worker
$29,880.00
Psychology
Educational Psychology
Social Work
Sociology
City Planning Aide
$40,340.00

Political Science
Clergy Member (Religious Leader)
$46,960.00
Education
Philosophy
Psychology
Sociology
History
Clinical Dietitian
$53,230.00
Clinical Nutrition
Clinical Psychologist
$72,310.00
Counseling Psychology
Psychology
School Psychology
Social Work
Clinical Sociologist
$76,190.00
Social Work
Sociology

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Skills Summary
Community Health Nurse
$66,530.00
Registered Nursing (RN)

Family Practice Nursing
(Practitioner)
Community Outreach Manager
$29,880.00
African-American/Black Studies
Foreign Languages and
Literatures
Psychology
Social Work
Anthropology
Economics
Sociology
Community Welfare Worker
$29,880.00
Women's / Gender Studies
Psychology
Social Work
Anthropology
Sociology
Conciliator
$63,250.00
Law
Political Science
Congressional Aide
$56,000.00
International Relations and
Affairs
Political Science
History
Criminal Investigator (Detective)
$65,860.00
Political Science
Criminal Justice Professor
$62,750.00
Education
Law
Criminal Justice/Law
Enforcement Administration
Criminalist
$65,860.00
Law
Chemistry
Political Science
Sociology
Curriculum and Assessment Director
$95,340.00
Education
Leadership
Community College

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Skills Summary
Administration
Literatures
Romance Languages, Literatures,
and Linguistics
Management
Customs Inspector
$65,860.00

Affairs
Political Science
Dental Hygienist
$67,860.00
Developmental Psychologist
$72,310.00
Psychology
School Psychology
Social Work
Dietitian and Nutritionist
$53,230.00
Clinical Nutrition
Education Professor
$62,160.00
Education
Leadership
Counselor Education - School
Counseling and Guidance
Services
Teaching English as a Second
Language (ESL)
Psychology
Educational Psychologist
$72,310.00

Psychology
School Psychology
Elementary School Administrator
$87,390.00
Education
Leadership
Management
Elementary School Teacher
$53,150.00
Education

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Skills Summary

Teacher Education, Multiple
Levels
Coaching
English
Mathematics
Employee Benefits Analyst
$58,520.00
Mathematics
Psychology
Management
Employment Administrator
$89,950.00
Psychology
Anthropology
Economics
Management
Employment and Placement Specialist
$54,530.00
Psychology
Management
Employment Interviewer
$54,530.00

Management
Environmental Science and Protection Technician
$43,520.00
Estimator
$55,480.00
English
Political Science
Management
Chain Management
Event / Convention Planner
$48,060.00
Economics
Theater and Drama
Management
Hotel and Motel Management
Selling and Sales Operations
Executive Secretary
$44,010.00
General Studies
Exercise Physiologist
$76,220.00

Coaching
Sport and Fitness
Exhibit Designer
$50,600.00
Theater and Drama

Art
Art History, Criticism and

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Skills Summary
Conservation
Experimental Psychologist
$72,310.00
Psychology
Family Caseworker
$48,340.00
Psychology
Social Work
Sociology
Finance Manager
$113,730.00

Management
Accounting
Finance
Marketing
Leadership Studies
Financial Aid Director
$95,340.00

Leadership
Community College
Administration
Management
Accounting
Financial Examiner
$79,070.00
Economics
Management
Accounting
Finance
Financial Planner
$94,180.00
Consumer Economics
Economics
Management
Accounting
Finance
Marketing
Financial Services Sales Agent
$91,390.00

Management
Accounting
Fish and Game Warden
$54,950.00

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Skills Summary
Foreign Exchange Trader
$91,390.00

Affairs
Management
Accounting
Finance
Foreign Language Professor
$63,300.00
Education
Levels
Language (ESL)
Literatures
and Linguistics
Foreign Service Peacekeeping Specialist
$60,500.00

Literatures
Anthropology
Affairs
Political Science
History
Foreign Student Adviser
$55,030.00
Education
Leadership
Counselor Education - School
Counseling and Guidance
Services
Language (ESL)
Literatures
Affairs
Forensics Psychologist
$84,220.00
Psychology
Fraud Investigator
$65,860.00
Law
Fund Raiser

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$101,850.00
English
Political Science
8/3/2015 9:01 AM
Skills Summary
Management
Marketing
Leadership Studies
Funds Development Administrator
$101,850.00
English
Psychology
Economics
Political Science
Sociology
Management
Leadership Studies
Funeral Director
$60,390.00
Government Budget Analyst
$69,240.00
Mathematics
Economics
Management
Accounting
Finance
Systems (MIS)
Government Service Executives
$167,280.00

Anthropology
Economics
Affairs
Political Science
Sociology
History
Leadership Studies
Harbor Master
$110,550.00
Chain Management
Harbor, Lake & Waterways Police
$55,180.00
Health Psychologist
$72,310.00
Psychology
Healthcare Social Workers
$48,340.00
Psychology
Social Work
Sociology
High School Administrator
$87,390.00
Education
Leadership
10 ofPrint
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8/3/2015 9:01 AM
Skills Summary

Management
Highway Patrol Pilot
$55,180.00
Historian
$56,350.00
Literatures
and Linguistics
Anthropology
Political Science
History
Historic Site Administrator
$52,330.00
Museum Studies (Museology)

Anthropology
Conservation
Management
History
History Professor
$69,280.00
Education
History
Home Economics Professor
$68,210.00
Education
Hospital Nurse
$66,530.00

(Practitioner)
Hotel Manager
$53,500.00
General Studies
Management
Human Resources Management Advisor
$105,510.00
General Studies
Psychology
Sociology
Management
Leadership Studies
Human Resources Management Consultant
$102,570.00

General Studies
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Skills Summary
Psychology
Sociology
Management
Leadership Studies
Immigration Inspector
$65,860.00
Anthropology
Affairs
Political Science
Industrial Relations Specialist
$59,070.00
Law
Affairs
Political Science
Management
Industrial Therapist
$70,680.00
Psychology
Social Work
Industrial-Organizational Psychologist
$102,570.00

Psychology
Management
Insurance Adjuster
$58,780.00

Management
Accounting
Intelligence Specialist (Government)
$65,860.00
Economics
Affairs
Political Science
History
Jailer
$42,610.00
Job Analyst
$58,520.00
Psychology
Management
Labor Relations Specialist
$59,070.00
Law
Anthropology
Affairs
Political Science
Management
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Skills Summary
History
Legal Secretary
$42,940.00
Library Science Professor
$64,270.00
Education
Loan Officer
$63,210.00

Management
Accounting
Finance
Marketing
Lobbyist
$59,370.00
Law
English
Political Science
Management
History
Manual Arts Therapist
$70,680.00
Medical Assistant
$29,450.00
Medical Insurance Claims Analyst
$58,780.00
Middle School Administrator
$87,390.00

Education
Leadership
Management
Middle School Teacher
$53,550.00
Education
Levels
Coaching
English
Mathematics
Chemistry
Art
Conservation
Midwife
$66,530.00

(Practitioner)
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Skills Summary
Missing Person Investigator
$65,860.00
Narcotics Investigator (Government)
$65,860.00
Neuropsychologist
$84,220.00
Psychology
Newspaper Editor
$58,440.00

Communication
Journalism
English
Creative Writing
General Studies
History
Newspaper/Magazines Writer
$64,560.00

Communication
Journalism
English
Creative Writing
General Studies
$100,350.00
Engineering
Chemistry
Physics
Nurse Practitioner
$66,530.00

(Practitioner)
Occupational Therapist
$70,680.00

Psychology
Social Work
Occupational Therapy Assistant
$50,830.00
Parole Officer
$50,500.00
General Studies
Psychology
Social Work
Political Science
Sociology
Patient Advocate
$41,350.00
Social Work
Leadership Studies
Personal Service Supervisor
$38,540.00
Nuclear Fuels Research Engineer
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Skills Summary
Personnel Administrator
$89,950.00

Communication
Psychology
Anthropology
Economics
Management
Physical Therapy Assistant
$48,590.00
Physicians Office Nurse
$66,530.00

(Practitioner)
Police Identification and Records Officers
$65,860.00
Police Officer
$55,180.00

Literatures
General Studies
Political Scientist
$101,050.00

Affairs
Political Science
U.S. Government and Politics
Preschool Administrator
$48,170.00
Education
Leadership
Management
Preschool Teacher
$27,450.00
Education
Levels
Theater and Drama
Private Nurse
$66,530.00

(Practitioner)
Probation Officer
$50,500.00
Social Work
Political Science
Sociology
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Skills Summary
Property Managers
$58,660.00

Management
Finance
Psychiatric Technician
$30,730.00
Psychology Professor
$72,140.00
Education
Psychology
School Psychology
Psychometrist
$72,310.00
Mathematics
Psychology
Management
Public Health Service Officer
$167,280.00
Anthropology
Public Health
Public Relations Manager
$101,850.00

Communication
Journalism
General Studies
Philosophy
Economics
Sociology
Management
History
Leadership Studies
Public Relations Specialist
$59,370.00

Communication
Journalism
English
General Studies
Philosophy
Economics
Political Science
Management
History
Publications Editor
$58,440.00

Communication
Journalism
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Skills Summary
English
Creative Writing
General Studies
Philosophy
History
Radio & TV Announcer
$41,590.00

Communication
Literatures
and Linguistics
English
Philosophy
Theater and Drama
Radio & TV News Commentator
$43,270.00

Communication
Journalism
Literatures
and Linguistics
English
Creative Writing
Theater and Drama
Radio & TV Newscaster
$43,270.00

Communication
Journalism
English
Theater and Drama
Radio & TV Producer
$86,870.00

Communication
General Studies
Theater and Drama
Music
Radio & TV Sports Announcer
$41,590.00

Communication
Literatures
Theater and Drama
Radio & TV Station Administrator
$86,870.00

Communication
Management
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Skills Summary
Radio & TV Talk Show Host
Radiologist (MD)
$41,590.00
$173,860.00

Communication
Theater and Drama
Bioengineering and Biomedical
Engineering
Recreational Therapist
$41,270.00

Psychology
Social Work
Music
Religious Institution Education Coordinator
$40,770.00

Education
Leadership
Reporter
$43,270.00
Journalism
English
Creative Writing
General Studies
Affairs
Residence Counselor
$26,070.00
Psychology
Social Work
Sales Representative (Agricultural Products)
$81,370.00
Sales Representative (Aircraft)
$61,400.00
Sales Representative (Chemicals & Drugs)
$81,370.00
Chemistry
Management
Marketing
Sales Representative (Computers)
$81,370.00
Systems (MIS)
Sales Representative (Educational Materials)
$59,250.00
Education
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Skills Summary
Sales Representative (Graphic Arts)
$53,190.00
Sales Representative (Hotel Furnishings)
$81,370.00
Interior Design
Management
Marketing
Sales Representative (Instruments)
$81,370.00

Management
Sales Representative (Mechanical Equipment)
$81,370.00
Sales Representative (Printed Advertising)
$53,190.00
Sales Representative (Psychological Tests)
$59,250.00

Psychology
Management
Marketing
Sales Representative (Radio & TV Time)
$53,190.00
School Nurse
$66,530.00
Education
(Practitioner)
School Psychologist
$72,310.00
Education
Psychology
School Psychology
Social Work
Scientific Linguist
$73,450.00
Computer Science
Literatures
and Linguistics
English
Sociology
Script Editor
$58,440.00
Journalism
English
Creative Writing
Securities Broker
$91,390.00

Management
Accounting
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Skills Summary
Finance
Marketing
Self-Enrichment Education Teachers
$41,360.00
Education
Sheriffs
$55,180.00
Social Psychologist
$84,220.00
Psychology
Social Work
Sociology
Social Work Professor
$67,410.00
Education
Social Work
Social Worker
$40,770.00
Education
Psychology
Social Work
Sociology
Sociologist
$76,190.00
Social Work
Economics
Political Science
Sociology
History
Sociology Professor
$71,970.00
Education
Sociology
Special Ed Teachers (High School)
$54,750.00
Education
Special Ed Teachers (Kindergarten and Elementary School)
$54,750.00
Education
Special Ed Teachers (Middle School)
$54,750.00
Education
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Skills Summary
Special Ed Teachers (Pre-School)
$54,750.00
Education
Speech Writer
$64,560.00

Communication
Journalism
English
Creative Writing
Sport Psychologist
$84,220.00
Psychology
Sports Events Planner
$101,850.00
Sport and Fitness

Management
Marketing
Sportswriter (Journalist)
$43,270.00

Communication
Journalism
English
Creative Writing
Philosophy
Storage and Distribution Manager
$29,840.00

Management
Substance Abuse Counselor
$41,350.00
Social Work
Sociology
Tax Assessor
$53,520.00
Economics
Finance
Technological Espionage Intelligence Agent
$65,860.00

Affairs
Political Science
Town Clerk
$35,570.00
Treasurer (Corporate)
$113,730.00

Management
Accounting
Finance
Tutor
$41,110.00
Education
Vocational Education Instructors
$52,030.00
Education
21 ofPrint
8/3/2015 9:01 AM
Skills Summary
Warden
$59,810.00
Web Art Director
$47,820.00
Computer Science
Art
Wildlife Control Agent
$54,950.00
Youth Services Specialist
$29,880.00
Education
Consumer Economics
Psychology
Social Work
Sociology
Focus 2
22 ofPrint
8/3/2015 9:01 AM
Values Summary
http://www.focuscareer2.com/LoggedIn/ValuesAssessmentSummary.cfm
The Values You Selected Are:

Creativity
Create new ideas, programs, things, or anything else not
previously developed by another person.
Independence
Being able to decide on how to get something done without
significant direction from someone else.
Influence
Persuading and influencing others to change their attitudes,
behavior, and/or opinions.

No Preference
Clear Preferences
To clear your current selections and display
careers at all education levels, click here.
Bachelor Degree
Advanced Degree
Occupations That Match Your Values

To explore an occupation in your list,
please make a selection from below.
Occupations that match all the Values that you have selected:
SAVED
OCCUPATION NAME
GREEN
JOBS
BRIGHT
OUTLOOK
NATIONAL
AVERAGE SALARY
Radio & TV Sports Announcer
$41,590.00
MAJORS AT
Media Studies and Mass Communication

Foreign Languages and Literatures
Theater and Drama
Other Occupations with Majors that include 2 Values that you selected that you may want to consider:
SAVED
OCCUPATION NAME
GREEN
BRIGHT
JOBS OUTLOOK
Adjudicator
Admiralty Lawyer

1 of 17
NATIONAL
AVERAGE
SALARY
(HIDE)
MAJORS AT
$87,620.00
Law
Political Science
$129,020.00
Law
Political Science
8/3/2015 9:02 AM
Values Summary
Advertising Agency Coordinator
$97,670.00

Marketing
Advertising Sales Promotion Manager
$97,670.00

Marketing
Aeronautical & Aerospace Engineer
$96,270.00
Engineering
Mathematics
Physics
Airport Administrator
$85,470.00
Management
Airport Engineer
$81,180.00
Architecture
Engineering
Civil Engineering
Anthropologist
$57,230.00
Anthropology
Political Science
Appeals Examiner
$87,620.00
Law
Political Science
Arbitrator
$63,250.00
Law
Political Science
Archaeologist
$57,230.00
Anthropology
Architecture Professor
$77,830.00
Architecture
Environmental Design/Architecture
Education
Art Teacher
$68,230.00
Education
Art
Art History, Criticism and Conservation
Artists Agent (Manager)
$87,430.00
Art
Leadership Studies
Astronomer

2 of 17
$102,740.00
Mathematics
Physics
8/3/2015 9:02 AM
Values Summary
Athletes Business Manager
$87,430.00
Physical Education Teaching and Coaching

Sport and Fitness
Marketing
Athletic Director
$80,140.00

Physical Education Teaching and Coaching
Sport and Fitness
Atmospheric and Space Scientist
$85,160.00
Mathematics
Physics
Attorney
Automotive Engineer
Bank and Branch Managers
$129,020.00
$80,580.00
$113,730.00
Law
Philosophy
Political Science
History
Engineering
Civil Engineering
Mathematics
Accounting
Finance
Marketing
Leadership Studies
Biochemist
$88,550.00
Chemistry
Biologist
$75,320.00
Biomedical Engineer
$82,550.00
Engineering
Bioengineering and Biomedical Engineering
Biophysicist
$88,550.00
Chemistry
Physics
Biopsychologist
$84,220.00
Mathematics

3 of 17
8/3/2015 9:02 AM
Values Summary
Psychology
Botanist
$65,180.00
Brokers Floor Representative
$91,390.00
Mathematics
Accounting
Finance
Catering Administrator
$51,400.00

Ceramic Engineer
$85,660.00
Engineering
Chemical Engineer
$91,670.00
Engineering
Chemistry
Chemist
$72,740.00
Chemistry
Chief Executives
$167,280.00
Chief Financial Officer
$113,730.00
Mathematics
Accounting
Finance
Civil Engineer
$81,180.00
Architecture
Engineering
Civil Engineering
Clinical Psychologist
$72,310.00
Psychology
School Psychology
Social Work
Clinical Sociologist
$76,190.00
Social Work
Sociology
Computer and Information Scientists
$105,370.00
Computer Science
Mathematics
Management Information Systems (MIS)
Computer and Information Systems Managers
$120,640.00
Computer Science
Leadership Studies
Knowledge Management

4 of 17
8/3/2015 9:02 AM
Values Summary
Computer Systems Analyst
Computer Systems Engineer
$80,430.00
Computer Science
$101,410.00
Computer Science
Engineering
Mathematics
Conciliator
$63,250.00
Law
Political Science
Conservation Scientist
$61,180.00
Chemistry
Controller (Finance)
$113,730.00
Mathematics
Accounting
Finance
Corporation Lawyer
$129,020.00
Law
Political Science
Cost Analysis Engineer
$85,660.00
Engineering
Counseling Psychologist
$72,310.00
Psychology
School Psychology
Social Work
Criminal Lawyer
$129,020.00
Law
Political Science
Curriculum and Assessment Director
$95,340.00
Education
Community College Administration
Romance Languages, Literatures, and
Linguistics
Cytologist
$75,320.00
Chemistry

5 of 17
8/3/2015 9:02 AM
Values Summary
Developmental Psychologist
$72,310.00
Psychology
School Psychology
Social Work
Economist
$96,320.00
Consumer Economics
Economics
International Relations and Affairs
Accounting
Educational Psychologist
$72,310.00

Psychology
School Psychology
Electrical Engineer
$86,250.00
Architecture
Electrical, Electronic and Communications
Electronics Engineer
$91,540.00
Engineering
Environmental Disease Analyst
$64,950.00
Environmental Engineer
$80,750.00

Engineering
Chemistry
Physics
Environmental Research Analyst
$67,360.00
Physics
Economics
Epidemiologists
$64,950.00
Experimental Psychologist
$72,310.00
Psychology
Factory Layout Engineer
$77,090.00
Engineering
Civil Engineering
Interior Design
Fashion Coordinator

6 of 17
$120,070.00
Marketing
8/3/2015 9:02 AM
Values Summary
Finance Manager
$113,730.00

Accounting
Finance
Marketing
Leadership Studies
Financial Aid Director
$95,340.00

Accounting
Financial Planner
$94,180.00
Consumer Economics
Economics
Accounting
Finance
Marketing
Financial Services Sales Agent
$91,390.00

Accounting
Fire Prevention Engineer
$75,810.00
Engineering
Chemistry
Forensics Psychologist
$84,220.00
Psychology
Forest Engineer
$81,180.00
Engineering
Civil Engineering
Forester
$55,220.00
Geography
Fund Raiser
$101,850.00
English
Political Science
Marketing
Leadership Studies
Funds Development Administrator
$101,850.00
English
Psychology
Economics
Political Science
Sociology
Leadership Studies
Funeral Director

7 of 17
$60,390.00
8/3/2015 9:02 AM
Values Summary
General and Operations Managers
$110,550.00
Accounting
Finance
Marketing
Leadership Studies
Geneticist
$75,320.00
Chemistry
Geographer
$74,120.00
Geography
Geologist
$92,710.00
Chemistry
Physics
Geography
Geophysicist
$92,710.00
Physics
Geography
Golf Course Manager
$110,550.00
Government Service Executives
$167,280.00

Anthropology
Economics
Political Science
Sociology
History
Leadership Studies
Health Psychologist
$72,310.00
Psychology
Hearing Officer
$87,620.00
Law
Historian
$56,350.00
Linguistics
Anthropology
Political Science
History
Horticulturist
$65,180.00
Chemistry
Hospital Administrator
$90,970.00
Chemistry
Hospital and Health Care Facilities

8 of 17
8/3/2015 9:02 AM
Values Summary
Administration
Public Health
Hotel Manager
Human Factors Psychologist
$53,500.00
$102,570.00
General Studies
Psychology
Hydraulic Engineer
$80,580.00
Engineering
Physics
Hydrographer
$45,180.00
Chemistry
Physics
Hydrologist
$76,760.00
Civil Engineering
Chemistry
Physics
Import/Export Customs Broker
$85,470.00
Management
Accounting
Marketing
Industrial Engineer
$77,090.00
Engineering
Physics
Industrial Relations Specialist
$59,070.00
Law
Political Science
Industrial Safety and Health Engineer
$75,810.00
Engineering
Industrial-Organizational Psychologist
$102,570.00

Psychology
$61,330.00

General Studies
Insurance Agent

9 of 17
8/3/2015 9:02 AM
Values Summary
Insurance Estate Planner
$61,330.00
Insurance Lawyer
$129,020.00
Law
Judge
$103,990.00
Law
Political Science
Labor Relations Specialist
$59,070.00
Law
Anthropology
Political Science
History
Legislator
$37,530.00
Law
Magistrate
$103,990.00
Law
Management Consultant (Analyst)
$84,650.00

General Studies
Economics
Political Science
Leadership Studies
Marine and Aquatic Biologist
$75,320.00
Marine Architect
$79,240.00
Architecture
Marine Engineer
$79,240.00
Engineering
Marine Surveyor
$79,240.00
Engineering
Marine/Port Engineer
$79,240.00
Engineering
Marketing Managers
$120,070.00
Materials Engineer
10 ofPrint
$85,660.00
Consumer Economics
General Studies
Economics
Marketing
Leadership Studies
Engineering
Physics
8/3/2015 9:02 AM
Values Summary
Materials Scientist
$82,350.00
Chemistry
Physics
Mathematician
$93,920.00
Computer Science
Mathematics
Physics
Mechanical Engineer
$80,580.00
Engineering
Physics
Mediator
$63,250.00
Law
Meteorologist
$85,160.00
Engineering
Mathematics
Physics
Microbiologist
$71,980.00
Chemistry
Mining Engineer
$82,080.00
Engineering
Neuropsychologist
$84,220.00
Psychology
Oceanographer
$92,710.00
Physics
Geography
Operations Research Analyst
$75,370.00
Mathematics
Economics
Accounting
Leadership Studies
Paleontologist
$57,230.00
Anthropology
Park Naturalist
$61,180.00
Anthropology
Geography
History
Patent Lawyer
$129,020.00
Petroleum Geologist
11 ofPrint
$92,710.00
Law
8/3/2015 9:02 AM
Values Summary
Pharmacologist
Physicist
Plant Breeder
$84,760.00
$111,250.00
$65,180.00
Chemistry
Engineering
Mathematics
Physics
Chemistry
Political Scientist
$101,050.00

Political Science
U.S. Government and Politics
Probate Lawyer
$129,020.00
Law
Product Planner
$67,500.00
Architecture
Economics
Interior Design
Product Safety Engineer
$75,810.00
Engineering
Property Managers
$58,660.00

Finance
Psychometrist
$72,310.00
Mathematics
Psychology
Public Relations Manager
$101,850.00

Journalism
General Studies
Philosophy
Economics
Sociology
History
Leadership Studies
Quality Control Managers
$77,090.00
Engineering
Radio & TV Program Director
$86,870.00

English
Theater and Drama
Music
Radio & TV Station Administrator
$86,870.00

12 ofPrint
8/3/2015 9:02 AM
Values Summary
Railroad Engineer
$81,180.00
Engineering
Civil Engineering
Range Manager
$61,180.00
Real Estate Lawyer
$129,020.00
Law
Registrar Administrator
$95,340.00

Reliability Engineer
$80,580.00
Engineering
Civil Engineering
Mathematics
Resource Recovery Engineer
$81,180.00
Engineering
Civil Engineering
Chemistry
Physics
Restaurant Manager
$51,400.00

Sales Engineers
$90,540.00

Marketing
Sales Managers
$111,570.00

Finance
Marketing
Leadership Studies
Sales Representative (Graphic Arts)
$53,190.00
Sales Representative (Printed Advertising)
$53,190.00
Sales Representative (Radio & TV Time)
$53,190.00
Sanitary Engineer
$81,180.00
Engineering
Civil Engineering
Chemistry
School Architect
$78,880.00
Architecture
13 ofPrint
8/3/2015 9:02 AM
Values Summary
School Psychologist
$72,310.00
Education
Psychology
School Psychology
Social Work
Scientific Linguist
$73,450.00
Computer Science
Linguistics
English
Sociology
Securities Broker
$91,390.00

Accounting
Finance
Marketing
Seismologist
$92,710.00
Physics
Geography
Social Psychologist
$84,220.00
Psychology
Social Work
Sociology
Sociologist
$76,190.00
Social Work
Economics
Political Science
Sociology
History
Soil Conservationist
$61,180.00
Geography
Soil Engineer
$65,180.00
Engineering
Civil Engineering
Physics
Soil Scientist
$65,180.00
Chemistry
14 ofPrint
8/3/2015 9:02 AM
Values Summary
Geography
Solar Energy Systems Designer
$61,400.00
Architecture
Engineering
Civil Engineering
Physics
Special Education Administrator
$80,140.00
Education
Sport Psychologist
$84,220.00
Psychology
Sports Events Planner
$101,850.00
Sport and Fitness

Marketing
Standards Engineer
$77,090.00
Engineering
Statistician
$75,220.00
Mathematics
Stress Analyst Engineer
$85,660.00
Engineering
Physics
Structural Engineer
$81,180.00
Engineering
Civil Engineering
Physics
Student Admissions Administrator
$95,340.00

Student Affairs Administrator
$95,340.00

15 ofPrint
8/3/2015 9:02 AM
Values Summary
Survey Researchers
$42,330.00
Economics
Political Science
Sociology
Talent Agent
$87,430.00
Sport and Fitness

Theater and Drama
Music
Tax Accountant
$67,430.00

Accounting
Tax Auditor
$67,430.00

Accounting
Tax Collector
$53,800.00
Accounting
Tax Lawyer
$129,020.00
Law
Tax Preparer
$36,060.00

Accounting
Toxicologist
$84,760.00
Chemistry
Toy Designer
$61,400.00
Art
Marketing
Transportation Systems Design Engineer
$81,180.00
Architecture
Engineering
Civil Engineering
Treasurer (Corporate)
Urban and Regional Planner
16 ofPrint
$113,730.00

Accounting
Finance
$64,680.00
Architecture
Engineering
General Studies
Economics
Geography
Political Science
Sociology
Interior Design
8/3/2015 9:02 AM
Values Summary
History
Video Game Designer
$78,010.00
Computer Science
Mathematics
Wildlife Biologist
$60,670.00
Zoo Veterinarian
$90,110.00
Zoologist
$60,670.00
Focus 2
17 ofPrint
8/3/2015 9:02 AM
Work Interest Assessment Summary
http://www.focuscareer2.com/LoggedIn/WorkInterestAssessmentSummary.cfm?Unique={ts '2...
Work Interest Profile Summary
Your results are displayed below.

Your average score in each area is also shown below as a number ranging from 0 to 100 where:
0=Low 50=Moderate 100=High
Conventional
75.00
Artistic
66.67
Enterprising
54.17
Realistic
50.00
Investigative
41.67
Social
37.50
0
10
20
30
40
50
60
70
80
90 100
Your work interests in the order you selected can be described as:
Conventional
"the organizers"
People in the conventional category often prefer orderly, systematic work. Work tasks often include keeping records, and organizing
written and numerical materials according to a plan. They like to see things run efficiently and smoothly, which means they will pay
attention to administrative details. They generally enjoy keeping accurate records, organizing, working with numbers, and using a
computer.
Artistic
"the creators"
People in the artistic category prefer to be expressive. They like the opportunity to create new things and be innovative. They typically
do not like structure or conformity. They prefer to use their imagination and be creative. People in this category generally enjoy
activities such as: writing, poetry, photography, designing, singing, acting, dancing, painting, attending theaters and exhibits, and
reading.
Enterprising
People in the enterprising category often prefer activities selling and promoting. They enjoy influencing others and being in a
"the persuaders" leadership position. They often use their skills to influence others. They often like competitive activities and are often self-confident,
talkative and energetic. They generally enjoy discussing politics, selling and promoting, having power and status, giving talks and
speeches, and leading groups.
8/3/2015 8:56 AM
Work Interest Assessment Summary
http://www.focuscareer2.com/LoggedIn/WorkInterestAssessmentSummary.cfm?Unique={ts '2...
Realistic
"the doers"
People in the realistic category often prefer to work with objects and things. They are likely to enjoy creating things with their hands and
using tools and machines. Some prefer large, powerful machines like tractors, while others prefer precision machinery such as X-ray or
electronic equipment. People in this category generally enjoy being physically active, repairing equipment, rebuilding cars, fixing
electrical things, solving mechanical problems, playing sports, working outdoors, and using their hands.
Investigative
"the thinkers"
People in the investigative category often have a strong desire to understand cause and effect, and solve puzzles and problems. They
often work in jobs that are scientific in nature. Their work often involves the analysis of data, using formulas, graphs and numbers.
Investigative types typically prefer to work independently, and with minimum supervision. People in this category generally enjoy using
computers, solving math problems, interpreting formulas, and thinking abstractly.
Social
"the helpers"
People in the social category prefer to work with others. They tend to be highly verbal, express themselves well, and get along well in
groups. Social types typically prefer the team approach to problem solving. People in the social category often describe themselves as
cooperative, friendly, and understanding. They generally enjoy teaching, caring for others, volunteering, mediating disputes, meeting
new people, and working in groups.
Focus 2
8/3/2015 8:56 AM
J O H N
M .
B Y R D
441 Enquirer Ct., Apt. 202

Cordova, TN 38018
(901) 497-0862
jmbyrd1209@gmail.com
EDUCATION
Aug. 2005 May 2011
Bachelor of Business Administration
ACCOUNTING
Jun. 2014 Aug. 2015
University of Memphis
3720 Alumni Ave.
Memphis, TN 38152
EXPERIENCE
May 2015 Aug. 2015
MORTGAGE REGULATORY
CORRESPONDENT INTERN
Bartlett Mortgage, Inc.
2860 Stage Village Cv.
Bartlett, TN 38134
Participated in an internship exploring the procedural components of the mortgage

banking regulatory and accounting environment, including:
HUD Direct Endorsement
Methods and constraints of uniform residential appraisal underwriting
Veterans Administration and FHA mortgage requirements
Oct. 2012 Present
FINAL DOCUMENTS CORRESPONDENT

2860 Stage Village Cv.
Bartlett, TN 38134
As a Final Documents Correspondent for Bartlett Mortgage, Inc., I deliver all final
documentation associated with all loans delivered to investors, including deeds of trust,
warranty deeds, instrument riders, and title policies. In addition, my duties include:
Establishing and monitoring interest rates set for conventional and government
loan products
Communicating with investors to determine the lock-in price at which our loans
are sold
Managing internet loan referrals
J O H N
M .
B Y R D
441 Enquirer Ct., Apt. 202

Cordova, TN 38018
(901) 497-0862
jmbyrd1209@gmail.com
SOFTWARE SKILLSET
Adobe Acrobat
Adobe Illustrator CC
Adobe Photoshop CC
Harland E3
Microsoft Excel
Microsoft Word
Microsoft Outlook
Microsoft PowerPoint
OpenOffice Calc
OpenOffice Writer
PHStat2
Thomson Reuters Icon 4.0
yEd Graph Editor
John M. Byrd
ACCT 4911 302
Dr. Spiceland
August 7, 2015
Website Review Bartlett Mortgage, Inc.
The website of Bartlett Mortgage describes the organization as a full-service mortgage
company, dedicated to providing fast and efficient service to home mortgage and other home loan
customers. As one of the largest mortgage entities in Shelby County, Bartlett Mortgage provides loans
tailored to each customers need. Since its founding as a subsidiary of the Bank of Bartlett in 1983,
Bartlett Mortgage has consistently nurtured and maintained excellent relationships with thousands of
local builders and realtors.
Bartlett Mortgage provides FHA, VA, USDA, and conventional mortgage financing products with
common services consisting of refinancing, construction loans, down-payment assistance, and
construction-to-permanent options. Other companies providing similar services within the Memphis
area include Community Mortgage, InSouth Bank, SunTrust Mortgage, and Triumph Mortgage.
About Bartlett Mortgage -
https://www.bankofbartlett.com/home-loans-about.htm
Home Loans
About Bartlett Mortgage
Choices
FAQs
Mortgage Glossary
Locations/Contact
Apply for Mortgage/Refinance
Calculators
Text Size

The Dream of Home Ownership
Bartlett Mortgage, Inc. is a full-service mortgage company, dedicated to providing fast and efficient service to home mortgage and
other home loan customers.
One of the largest mortgage companies in the Greater Memphis area
Mortgage loans tailored to each customer's need
Excellent relationship with the area's finest Builders and Realtors
A division of Bank of Bartlett
Locally owned and operated
Mortgage Services
8/3/2015 3:19 PM
About Bartlett Mortgage -
https://www.bankofbartlett.com/home-loans-about.htm
FHA, VA, Conventional

THDA Financing
Downpayment Assistance
Construction-to-Permanent
Refinancing
Construction Loans
Whether you are buying, refinancing, or building a new home, the professionals at Bartlett Mortgage can get you the right loan with
the best rate, and get you to closing quickly. No matter how small or large your home, we have a loan that's just right for you.
Low Rates - Quick Service
Call us Today!
Bank of Bartlett
Home
Privacy Policy
Terms & Conditions
USA PATRIOT Act
Careers
Contact Us
2015 Bank of Bartlett. All Rights Reserved. Website designed by ProfitStars.
Member FDIC|Equal Housing Lender
Join Our Email List
Email:
8/3/2015 3:19 PM
Choices -
https://www.bankofbartlett.com/home-loans-choices.htm
Home Loans
Choices
FAQs
Mortgage Glossary
Locations/Contact
Calculators
Text Size
Loan Choices
Bartlett Mortgage offers a wide array of first mortgage products to fit the needs of our customers. From the first time homebuyer to the
experienced buyer, we have a mortgage to fit your needs. Our professional loan officers will assist you in finding the mortgage that is
right for you.
Conventional Mortgages
Government Mortgages
Conforming Loans
Jumbo Loans
FHA Loans
VA Loans
Conforming Loans
8/3/2015 3:20 PM
Choices -
Available in fixed-rate or adjustable rate up to a $417,000 loan. Whether fixed or adjustable rate, we can meet your needs. The
adjustable rate is amortized. Our adjustable mortgages are tied to the one year T bill or the one year LIBOR indexes.
What You Need to Apply | Apply Now
Jumbo Loans
We offer fixed-rate or adjustable from $417,001. Terms available that will meet your lifestyle.
FHA Loans
Loan amounts up to $271,050 available in fixed or adjustable rate. Low down payments. Can be used in conjunction with THDA,
Memphis Down Payment Assistance, Shelby County Down Payment Assistance, or Mississippi Bond. Streamline refinances with and
without an appraisal are also available.
VA Loans
Mortgages for veterans with full entitlement. Purchases or refinance loans. Cash out refinances are an option. Loan amounts to
$417,000 with down payment including the funding fee.
Bank of Bartlett
Home
Privacy Policy
Terms & Conditions
USA PATRIOT Act
Careers
Contact Us
8/3/2015 3:20 PM
Choices -

Join Our Email List
Email:
8/3/2015 3:20 PM
Locations/Contact -
https://www.bankofbartlett.com/home-loans-contacts.htm
Home Loans
Choices
FAQs
Mortgage Glossary
Locations/Contact
Calculators
Text Size
Bartlett Mortgage Locations

Bartlett - Main Office
East Memphis
2860 Stage Village Cove

Bartlett, TN 38134
(901) 382-5999
1870 Kirby Parkway

Germantown, TN 38138
(901) 387-3090
Vivian Smithey, Loan Originator
Kacey Kidd, Loan Originator
(901) 387-3049
vsmithey@bartlettmortgage.com
NMLS ID # 469421
(901) 387-3086
kkidd@bartlettmortgage.com
NMLS # ID 422940
8/3/2015 3:21 PM
Locations/Contact -
https://www.bankofbartlett.com/home-loans-contacts.htm
Bank of Bartlett
Home
Privacy Policy
Terms & Conditions
USA PATRIOT Act
Careers
Contact Us
Join Our Email List
Email:
8/3/2015 3:21 PM
John M. Byrd
ACCT 4911 302
Dr. Spiceland
August 7, 2015
Executive Summary Bartlett Mortgage, Inc.
Founded in 1983 as a subsidiary of the Bank of Bartlett, Bartlett Mortgage emerged from a
three-person operation in a rented parcel near the center of the Bartlett city limits to become one of the
premier mortgage companies in the Mid-South. Though bond markets facilitating mortgage interest
rates are often unpredictable, Bartlett Mortgage has consistently provided relevant and reliable service
for over three decades by exercising its core strengths through close relationships between loan
originators and real estate agents, minimal error in file processing, and personal service only available
through an operation where employees come to know their customers on a first-name basis.
Real estate agent referrals generate approximately ninety percent of Bartlett Mortgages seven
million dollar monthly loan volume, and with good reason. The six primary loan originators at Bartlett
Mortgage take a special interest in maintaining a consistent, professional relationship with the real
estate agents throughout the Greater Memphis area who generate the majority of their loan traffic
through these referrals. No individual stands as a true testament of the excellent business-to-business
relations at Bartlett Mortgage better than Vivian Smithey. Since arriving at Bartlett Mortgage in 1988,
Vivian has produced an aggregate loan volume in excess of one billion dollars, and many of her current
relationships with local real estate agents span a period of over thirty-five years.
With quality control on the rise as a result of compromised integrity in the global financial
environment, maintaining an honest approach to file processing is an increasingly important component
of the Bartlett Mortgage ethos, and has been for a long time. Every investor to which Bartlett Mortgage
sells loans maintains a classification of their registered correspondent lenders based upon several
factors, including the speed of loan delivery, the completeness of each loan file delivered, and the
validity of the financial and regulatory documents comprising each purchased loan file. Utilizing their
uncompromising approach to minimal error processing, Bartlett Mortgage has consistently ranked in the
top tier of each of their four primary investors correspondent lender delivery approval metrics.
Above all else, the mark of personal service that defines the customer experience at Bartlett
Mortgage is the organizations cornerstone of recognition. Customers are made to feel involved in every
aspect of the mortgage process, from application to closing; and while Bartlett Mortgage has made the
transition to a digitally-controlled financial workflow, great value is still placed on the importance of
personal interaction. As it continues to expand upon its vision as full-service mortgage company,
dedicated to providing fast and efficient service to home mortgage and other home loan customers,
personal service will continue to be the main source of merit for Bartlett Mortgage, Inc.
John M. Byrd
ACCT 4911 302
Dr. Spiceland
August 7, 2015
Internship Summary Bartlett Mortgage, Inc.
Having been an existing employee of Bartlett Mortgage for two years, seven months, and three
days prior to the beginning of my internship as a Mortgage Regulatory Correspondent, I had many
looming questions regarding the advancement of my skillset and how it would apply in a broad financial
environment that was not necessarily confined to the practice of mortgage finance. After all, I was fairly
comfortable with and had grown proficient at my established task of sorting, compiling, and factchecking mounds of final documents. The intricacies of deeds of trust, title policies, warranties,
mortgage insurance certificates, and loan guaranties were enough to keep anyone busy, and one can
learn much about the philosophy of finance just by glancing at the jargon of a paper instrument. Still,
the concepts I had been exposed to while seeking my bachelors degree far exceeded the scope of the
labor-intensive final documents department at Bartlett Mortgage, and when I saw an opening for
internship credit, I knew it was my ticket to extract their application within my current position.
From the start, it was unclear to me how seamlessly I could transition from reading the interest
rate on a deed, to actually being the person who set the interest rates in accordance with the companys
policy of overhead additions. But to my surprise, this transition went much smoother than expected.
Many employees were very gracious in their instruction lent to my requests, and before I knew it, my
questions and initial attempts began to materialize into something of which I could be proud. I had
constructed and updated the daily rates on various thirty, twenty, fifteen and ten-year government and
conventional products for around two weeks when my supervisor approached me about the addition of
a new section on the rate sheets. For years, Bartlett Mortgages loan officers had referred to several
sources when quoting lender-paid mortgage insurance products, and determining the optimal price
across a wide array of investors was a cumbersome task, not to mention the lack of adjustment for
overhead to the price of the product that was offered in-house. I was trusted with the responsibility of
not only adding a lender-paid mortgage insurance product section to the rate sheet that would be read
by every rate-quoting employee at Bartlett Mortgage and Bank of Bartlett, but with also ensuring that
the delivery time was not significantly increased with this new addition. Thank goodness for Microsoft
Excel! Because of cell referencing, I was able to input lender-paid price quotes from a wide array of
investors, add the suggested adjustment for overhead to these quotes, round to the nearest eighth, and
designate the most attractive output as Bartlett Mortgages own lender-paid mortgage insurance
quotes. This was my first leap forward in the advancement of my skillset, as well as solid proof that I
could actually apply concepts from my school textbooks to an actual working environment, and it was a
great feeling! Concepts from the once-elementary Foundation of Information Systems (MIS 2749)
provided assistance to an application of Cost Accounting (ACCT 3310)!
On an even keel with the gratification I received from being able to apply the concepts I learned
in school were the relationships that I developed while working as a Mortgage Regulatory
Correspondent. While I did have many pre-existing relationships at Bartlett Mortgage from the two
years that had already passed in my employment, my responsibility of locking-in loans developed
many brand new professional contacts from a multitude of outside companies. My inquiries with
correspondents at Wells Fargo, U.S. Bank, and the Money Source were the most frequent and notable
discussions taking place during the hours I spent selling our loans, and my conversations with the vice
president of correspondent sales at the Money Source helped to mend a broken corporate relationship.
Basically, I was able to communicate the whole of the frustrations that many at Bartlett Mortgage had
harbored toward the Money Source during a pending merger, and he was able to assure me that any
obstacles encountered by our staff during this merger would now be resolved with a much smoother
loan purchase cycle. From then on, all was well.
Bartlett Mortgage has been in operation since 1983, and emerged during a time when the sale
of mortgage securities was evolving from a tainted era of Savings & Loan institutions to its current form
where Fannie Mae and Freddie Mac are the key constituents in the packaging of such securities. Many
faces have come and gone from the desks of Bartlett Mortgage, but what has always impressed me the
most about the companys culture are the amount of employees that have been present at our
organization for many years, and how they are still eager to learn and immerse themselves in the
evolving regulatory environment that underlies the mortgage industry. And as a bonus, no one is rude,
crass, or pretentious about their position. They are genuinely warm, open, and inviting about providing
the knowledge that it takes for a young mind to navigate through unfamiliar territory in the world of
finance, and thats what I will remember most about my experience this summer.
Monday, May 11, 2015
***ADD 0.25 for 60-DAY ; DEDUCT 0.125 for 30-DAY ; DEDUCT 0.25 for 7-DAY ***
ON ALL LOANS
GOVERNMENT ADJUSTERS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
CONTACT MARKETING FOR ALL LOANS BELOW $40,000
FHA MINIMUM CREDIT SCORE: 640
BASE FHA:
$271,050
DEDUCT 1/8 from ALL REFINANCES
MAX VA:
$417,000
DEDUCT 1/4 from ALL VA LOANS
640 - 679
680 - 719
720
- 0.500
0.000
DEDUCT 1/2 from ALL HUD LOANS
3.375%
3.500%
$40,000+
1 + 0.625
1 + 0.125
0 + 0.625
DEDUCT 1/4 FROM 30-YEAR
+ 0.250
620 - 639
- 1.500
DEDUCT 1/4 from ALL USDA LOANS
30 YEAR
3.250%
VA FICO
15 YEAR
3.625%
3.750%
3.875% 4.000%
0 + 0.250
0+0 [1.000] 0+0 [1.500] 0+0 [2.000]
0+0
0+0 [1.250] 0+0 [1.750] 0+0 [2.250]
2.750%
2.875%
3.000%
3.125%
$40,000+
1 + 0.625
1 + 0.250
0 + 0.750
0 + 0.375
0+0 [0.375] 0+0 [0.750] 0+0 [1.250]
3.250%
3.375%
3.500%
0 + 0.125
0+0 [0.625] 0+0 [1.000] 0+0 [1.500]
$70,000+
1 + 0.375
0 + 0.875
0 + 0.375
$70,000+
1 + 0.375
0 + 1.000
0 + 0.500
$100,000+
1 + 0.125
0 + 0.625
0 + 0.125
0+0 [0.250] 0+0 [1.500] 0+0 [2.000] 0+0 [2.500]
$100,000+
1 + 0.125
0 + 0.750
0 + 0.250
0+0 [0.125] 0+0 [0.875] 0+0 [1.250] 0+0 [1.750]
$150,000+
0 + 1.000
0 + 0.500
0+0
0+0 [0.375] 0+0 [1.625] 0+0 [2.125] 0+0 [2.625]
$150,000+
0 + 1.000
0 + 0.625
0 + 0.125
0+0 [0.250] 0+0 [1.000] 0+0 [1.375] 0+0 [1.875]
$200,000+
0 + 0.875
0 + 0.375
0+0 [0.125] 0+0 [0.500] 0+0 [1.750] 0+0 [2.250] 0+0 [2.750]
$200,000+
0 + 0.875
0 + 0.500
0+0
0+0 [0.375] 0+0 [1.125] 0+0 [1.500] 0+0 [2.000]
3.625%
3.750%
3.875%
$40,000+
1 + 0.750
0 + 1.000
0 + 0.375
0+0 [0.250] 0+0 [1.000] 0+0 [1.500] 0+0 [2.000]
0 + 0.125
0+0 [0.500] 0+0 [1.250] 0+0 [1.750] 0+0 [2.250]
CONVENTIONAL CONFORMING
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
3.875%
4.000%
$40,000+
1 + 0.875
1 + 0.125
4.125%
20 YEAR
4.250%
4.375%
4.500% 4.625%
0 + 0.250
0+0 [0.500] 0+0 [1.000] 0+0 [1.500] 0+0 [2.250]
0+0
0+0 [0.750] 0+0 [1.250] 0+0 [1.750] 0+0 [2.500]
4.000%
4.125%
4.250%
4.375%
$70,000+
1 + 0.625
0 + 0.875
$70,000+
1 + 0.500
0 + 0.750
$100,000+
1 + 0.375
0 + 0.625
0+0 [0.250] 0+0 [1.000] 0+0 [1.500] 0+0 [2.000] 0+0 [2.750]
$100,000+
1 + 0.250
0 + 0.500
0+0 [0.125] 0+0 [0.750] 0+0 [1.500] 0+0 [2.000] 0+0 [2.500]
$150,000+
1 + 0.250
0 + 0.500
0+0 [0.375] 0+0 [1.125] 0+0 [1.625] 0+0 [2.125] 0+0 [2.875]
$150,000+
1 + 0.125
0 + 0.375
0+0 [0.250] 0+0 [0.875] 0+0 [1.625] 0+0 [2.125] 0+0 [2.625]
$200,000+
1 + 0.125
0 + 0.375
0+0 [0.500] 0+0 [1.250] 0+0 [1.750] 0+0 [2.250] 0+0 [3.000]
$200,000+
0 + 1.000
0 + 0.250
0+0 [0.375] 0+0 [1.000] 0+0 [1.750] 0+0 [2.250] 0+0 [2.750]
3.000%
3.125%
3.250%
3.375%
$40,000+
1 + 0.875
1 + 0.250
0 + 0.875
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.125]
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.375]
15 YEAR
3.125%
3.250%
3.375%
$40,000+
1 + 0.750
1 + 0.250
0 + 0.875
10 YEAR
3.500%
3.625%
0 + 0.125
3.750%
3.875%
0+0 [0.375] 0+0 [0.750] 0+0 [1.125]
3.500%
3.625% 3.750%
$70,000+
1 + 0.500
0 + 1.000
0 + 0.625
0+0 [0.125] 0+0 [0.625] 0+0 [1.000] 0+0 [1.375]
$70,000+
1 + 0.625
0 + 1.000
0 + 0.625
$100,000+
1 + 0.250
0 + 0.750
0 + 0.375
0+0 [0.375] 0+0 [0.875] 0+0 [1.250] 0+0 [1.625]
$100,000+
1 + 0.375
0 + 0.750
0 + 0.375
0+0 [0.250] 0+0 [0.750] 0+0 [1.250] 0+0 [1.625]
$150,000+
1 + 0.125
0 + 0.625
0 + 0.250
0+0 [0.500] 0+0 [1.000] 0+0 [1.375] 0+0 [1.750]
$150,000+
1 + 0.250
0 + 0.625
0 + 0.250
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [1.750]
$200,000+
0 + 1.000
0 + 0.500
0 + 0.125
0+0 [0.625] 0+0 [1.125] 0+0 [1.500] 0+0 [1.875]
$200,000+
1 + 0.125
0 + 0.500
0 + 0.125
0+0 [0.500] 0+0 [1.000] 0+0 [1.500] 0+0 [1.875]
CONVENTIONAL CASH-OUT REFINANCE ADJUSTERS

FICO
SUBORDINATE FINANCING FEES
LTV %
FICO RANGE
< 60
60.01 - 75
75.01 - 80
80.01 - 85
LTV %
MAX CLTV %
< 720
720
740
- 1/4
- 1/4
- 1/2
- 5/8
65
> 80 - 95
- 1/2
- 1/4
720 - 739
- 1/4
-1
- 1 1/4
-2
> 65 - 75
> 80 - 95
- 3/4
- 1/2
700 - 719
- 1/4
- 1 1/8
- 1 1/4
-2
> 75 - 80
> 76 - 90
-1
- 3/4
680 - 699
- 1/4
- 1 1/8
- 1 7/8
-3
> 75 - 80
> 90 - 95
-1
- 3/4
660 - 679
- 1 1/2
- 1 1/4
- 2 1/2
- 3 1/2
> 80 - 90
> 81 - 95
-1
- 3/4
640 - 659
-2
- 1 3/4
- 3 1/4
-4
> 90 - 95
> 90 - 95
- 1/2
- 1/4
CONVENTIONAL FICO ADJUSTERS

FICO
GREATER THAN 15 YEARS
LTV %
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
+ 1/4
- 1/4
- 1/4
- 1/4
- 1/4
- 2 3/4
720 - 739
+ 1/4
- 1/4
- 1/2
- 1/2
- 1/2
- 1/2
-3
700 - 719
+ 1/4
- 1/2
- 3/4
-1
-1
-1
-1
- 3 1/2
680 - 699
- 1/2
-2
- 1 3/4
- 1 1/2
- 1 1/4
- 1 1/4
- 3 1/2
660 - 679
-1
-2
- 2 1/2
- 2 3/4
- 2 1/4
- 2 1/4
- 4 1/4
640 - 659
- 1/2
- 1 1/4
- 2 1/2
-3
- 3 1/4
- 2 3/4
- 2 3/4
- 4 3/4
620 - 639
- 3/4
- 1 1/2
-3
-3
- 3 1/4
- 3 1/4
- 3 1/4
- 5 1/2
CONVENTIONAL NON-CONFORMING
FIXED RATE
CONTACT MARKETING FOR 0.25% INTEREST RATE REDUCTION
30/20 YR FIXED
RATE
4.000%
4.125%
4.250%
4.375%
4.500%
60-DAY
1 + 1.000
1 + 0.500
0 + 1.000
0 + 0.500
0+0
15 YR FIXED
RATE
3.750%
3.875%
4.000%
4.125%
4.250%
60-DAY
1 + 0.500
1 + 0.125
0 + 0.750
0 + 0.375
0+0
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
Tuesday, May 12, 2015
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
640 - 679
680 - 719
720
- 0.500
0.000
3.500%
3.625%
+ 0.250
620 - 639
- 1.500
30 YEAR
3.375%
VA FICO
15 YEAR
3.750%
3.875%
4.000% 4.125%
$40,000+
1 + 0.875
1 + 0.375
0 + 1.000
0+0 [0.250] 0+0 [0.750] 0+0 [1.250] 0+0 [1.625]
2.875%
3.000%
3.125%
$40,000+
1 + 0.625
1 + 0.250
0 + 0.875
0+0 [0.125] 0+0 [0.500] 0+0 [1.000] 0+0 [1.250]
3.250%
3.375%
3.500%
3.625%
$70,000+
1 + 0.625
1 + 0.125
0 + 0.750
0+0 [0.500] 0+0 [1.000] 0+0 [1.500] 0+0 [1.875]
$70,000+
1 + 0.375
0 + 1.000
0 + 0.625
0+0 [0.375] 0+0 [0.750] 0+0 [1.250] 0+0 [1.500]
$100,000+
1 + 0.375
0 + 0.875
0 + 0.500
0+0 [0.750] 0+0 [1.250] 0+0 [1.750] 0+0 [2.125]
$100,000+
1 + 0.125
0 + 0.750
0 + 0.375
0+0 [0.625] 0+0 [1.000] 0+0 [1.500] 0+0 [1.750]
$150,000+
1 + 0.250
0 + 0.750
0 + 0.375
0+0 [0.875] 0+0 [1.375] 0+0 [1.875] 0+0 [2.250]
$150,000+
0 + 1.000
0 + 0.625
0 + 0.250
0+0 [0.750] 0+0 [1.125] 0+0 [1.625] 0+0 [1.875]
$200,000+
1 + 0.125
0 + 0.625
0 + 0.250
0+0 [1.000] 0+0 [1.500] 0+0 [2.000] 0+0 [2.375]
$200,000+
0 + 0.875
0 + 0.500
0 + 0.125
0+0 [0.875] 0+0 [1.250] 0+0 [1.750] 0+0 [2.000]
3.750%
3.875%
4.000%
$40,000+
1 + 0.875
1 + 0.250
0 + 0.500
0+0 [0.250] 0+0 [0.875] 0+0 [1.500] 0+0 [2.125]
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
4.000%
4.125%
$40,000+
1 + 0.875
0 + 0.875
4.250%
0 + 0.125
20 YEAR
4.375%
4.500%
4.625% 4.750%
0+0 [0.375] 0+0 [0.875] 0+0 [1.750] 0+0 [2.375]
4.125%
4.250%
4.375%
4.500%
$70,000+
1 + 0.625
0 + 0.625
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [2.000] 0+0 [2.625]
$70,000+
1 + 0.625
0 + 1.000
0 + 0.250
0+0 [0.500] 0+0 [1.125] 0+0 [1.750] 0+0 [2.375]
$100,000+
1 + 0.375
0 + 0.375
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [2.250] 0+0 [2.875]
$100,000+
1 + 0.375
0 + 0.750
0+0
0+0 [0.750] 0+0 [1.375] 0+0 [2.000] 0+0 [2.625]
$150,000+
1 + 0.250
0 + 0.250
0+0 [0.500] 0+0 [1.000] 0+0 [1.500] 0+0 [2.375] 0+0 [3.000]
$150,000+
1 + 0.250
0 + 0.625
0+0 [0.125] 0+0 [0.875] 0+0 [1.500] 0+0 [2.125] 0+0 [2.750]
$200,000+
1 + 0.125
0 + 0.125
0+0 [0.625] 0+0 [1.125] 0+0 [1.625] 0+0 [2.500] 0+0 [3.125]
$200,000+
1 + 0.125
0 + 0.500
0+0 [0.250] 0+0 [1.000] 0+0 [1.625] 0+0 [2.250] 0+0 [2.875]
3.125%
3.250%
3.375%
3.500%
$40,000+
1 + 0.875
1 + 0.250
0 + 0.625
0 + 0.125
15 YEAR
3.250%
3.375%
3.500%
$40,000+
1 + 0.875
1 + 0.250
0 + 0.500
10 YEAR
3.625%
3.750%
0+0
3.875%
4.000%
0+0 [0.375] 0+0 [0.750] 0+0 [1.250]
3.625%
3.750% 3.875%
0+0 [0.250] 0+0 [0.750] 0+0 [1.125]
$70,000+
1 + 0.625
0 + 1.000
0 + 0.250
0+0 [0.250] 0+0 [0.625] 0+0 [1.000] 0+0 [1.500]
$70,000+
1 + 0.625
0 + 1.000
0 + 0.375
0+0 [0.125] 0+0 [0.500] 0+0 [1.000] 0+0 [1.375]
$100,000+
1 + 0.375
0 + 0.750
0+0
0+0 [0.500] 0+0 [0.875] 0+0 [1.250] 0+0 [1.750]
$100,000+
1 + 0.375
0 + 0.750
0 + 0.125
0+0 [0.375] 0+0 [0.750] 0+0 [1.250] 0+0 [1.625]
$150,000+
1 + 0.250
0 + 0.625
0+0 [0.125] 0+0 [0.625] 0+0 [1.000] 0+0 [1.375] 0+0 [1.875]
$150,000+
1 + 0.250
0 + 0.625
0+0
0+0 [0.500] 0+0 [0.875] 0+0 [1.375] 0+0 [1.750]
$200,000+
1 + 0.125
0 + 0.500
0+0 [0.250] 0+0 [0.750] 0+0 [1.125] 0+0 [1.500] 0+0 [2.000]
$200,000+
1 + 0.125
0 + 0.500

FICO
0+0 [0.125] 0+0 [0.625] 0+0 [1.000] 0+0 [1.500] 0+0 [1.875]
LTV %
FICO RANGE
< 60
60.01 - 75
75.01 - 80
80.01 - 85
LTV %
MAX CLTV %
< 720
720
740
- 1/4
- 1/4
- 1/2
- 5/8
65
> 80 - 95
- 1/2
- 1/4
720 - 739
- 1/4
-1
- 1 1/4
-2
> 65 - 75
> 80 - 95
- 3/4
- 1/2
700 - 719
- 1/4
- 1 1/8
- 1 1/4
-2
> 75 - 80
> 76 - 90
-1
- 3/4
680 - 699
- 1/4
- 1 1/8
- 1 7/8
-3
> 75 - 80
> 90 - 95
-1
- 3/4
660 - 679
- 1 1/2
- 1 1/4
- 2 1/2
- 3 1/2
> 80 - 90
> 81 - 95
-1
- 3/4
640 - 659
-2
- 1 3/4
- 3 1/4
-4
> 90 - 95
> 90 - 95
- 1/2
- 1/4

FICO
LTV %
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
+ 1/4
- 1/4
- 1/4
- 1/4
- 1/4
- 2 3/4
720 - 739
+ 1/4
- 1/4
- 1/2
- 1/2
- 1/2
- 1/2
-3
700 - 719
+ 1/4
- 1/2
- 3/4
-1
-1
-1
-1
- 3 1/2
680 - 699
- 1/2
-2
- 1 3/4
- 1 1/2
- 1 1/4
- 1 1/4
- 3 1/2
660 - 679
-1
-2
- 2 1/2
- 2 3/4
- 2 1/4
- 2 1/4
- 4 1/4
640 - 659
- 1/2
- 1 1/4
- 2 1/2
-3
- 3 1/4
- 2 3/4
- 2 3/4
- 4 3/4
620 - 639
- 3/4
- 1 1/2
-3
-3
- 3 1/4
- 3 1/4
- 3 1/4
- 5 1/2
FIXED RATE
30/20 YR FIXED
RATE
4.125%
4.250%
4.375%
4.500%
4.625%
60-DAY
1 + 1.125
1 + 0.625
1 + 0.125
0 + 0.625
0 + 0.125
15 YR FIXED
RATE
3.875%
4.000%
4.125%
4.250%
4.375%
60-DAY
1 + 0.500
1 + 0.125
0 + 0.750
0 + 0.375
0+0
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
Wednesday, May 13, 2015
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
640 - 679
680 - 719
720
- 0.500
0.000
3.375%
3.500%
+ 0.250
620 - 639
- 1.500
30 YEAR
3.250%
VA FICO
15 YEAR
3.625%
3.750%
3.875% 4.000%
$40,000+
1 + 1.000
1 + 0.375
0 + 0.875
0 + 0.500
0+0 [0.750] 0+0 [1.250] 0+0 [1.750]
2.750%
2.875%
3.000%
3.125%
$40,000+
1 + 0.750
1 + 0.375
0 + 0.875
0 + 0.625
0+0 [0.375] 0+0 [0.875] 0+0 [1.250]
3.250%
3.375%
3.500%
$70,000+
1 + 0.750
1 + 0.125
0 + 0.625
0 + 0.250
0+0 [1.000] 0+0 [1.500] 0+0 [2.000]
$70,000+
1 + 0.500
1 + 0.125
0 + 0.625
0 + 0.375
0+0 [0.625] 0+0 [1.125] 0+0 [1.500]
$100,000+
1 + 0.500
0 + 0.875
0 + 0.375
0+0
0+0 [1.250] 0+0 [1.750] 0+0 [2.250]
$100,000+
1 + 0.250
0 + 0.875
0 + 0.375
0 + 0.125
0+0 [0.875] 0+0 [1.375] 0+0 [1.750]
$150,000+
1 + 0.375
0 + 0.750
0 + 0.250
0+0 [0.125] 0+0 [1.375] 0+0 [1.875] 0+0 [2.375]
$150,000+
1 + 0.125
0 + 0.750
0 + 0.250
0+0
0+0 [1.000] 0+0 [1.500] 0+0 [1.875]
$200,000+
1 + 0.250
0 + 0.625
0 + 0.125
0+0 [0.250] 0+0 [1.500] 0+0 [2.000] 0+0 [2.500]
$200,000+
0 + 1.000
0 + 0.625
0 + 0.125
3.625%
3.750%
3.875%
4.000%
$40,000+
1 + 1.125
1 + 0.250
0 + 0.625
0+0
0+0 [0.125] 0+0 [1.125] 0+0 [1.625] 0+0 [2.000]
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
3.875%
4.000%
$40,000+
1 + 1.125
1 + 0.375
4.125%
20 YEAR
4.250%
4.375%
4.500% 4.625%
0 + 0.375
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [2.125]
0 + 0.125
0+0 [0.625] 0+0 [1.125] 0+0 [1.625] 0+0 [2.375]
4.125%
4.250%
4.375%
0+0 [0.750] 0+0 [1.250] 0+0 [1.875]
$70,000+
1 + 0.875
1 + 0.125
$70,000+
1 + 0.875
0 + 1.000
0 + 0.375
0+0 [0.250] 0+0 [1.000] 0+0 [1.500] 0+0 [2.125]
$100,000+
1 + 0.625
0 + 0.875
0+0 [0.125] 0+0 [0.875] 0+0 [1.375] 0+0 [1.875] 0+0 [2.625]
$100,000+
1 + 0.625
0 + 0.750
0 + 0.125
0+0 [0.500] 0+0 [1.250] 0+0 [1.750] 0+0 [2.375]
$150,000+
1 + 0.500
0 + 0.750
0+0 [0.250] 0+0 [1.000] 0+0 [1.500] 0+0 [2.000] 0+0 [2.750]
$150,000+
1 + 0.500
0 + 0.625
0+0
0+0 [0.625] 0+0 [1.375] 0+0 [1.875] 0+0 [2.500]
$200,000+
1 + 0.375
0 + 0.625
0+0 [0.375] 0+0 [1.125] 0+0 [1.625] 0+0 [2.125] 0+0 [2.875]
$200,000+
1 + 0.375
0 + 0.500
3.000%
3.125%
3.250%
3.375%
$40,000+
1 + 1.000
1 + 0.500
0 + 1.000
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.000]
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.250]
15 YEAR
3.250%
3.375%
$40,000+
1 + 0.625
0 + 1.000
3.500%
0+0 [0.125] 0+0 [0.750] 0+0 [1.500] 0+0 [2.000] 0+0 [2.625]
10 YEAR
3.625%
3.750%
3.875%
4.000%
0 + 0.250
0+0 [0.250] 0+0 [0.625] 0+0 [1.000] 0+0 [1.500]
0+0
0+0 [0.500] 0+0 [0.875] 0+0 [1.250] 0+0 [1.750]
3.500%
3.625% 3.750%
$70,000+
1 + 0.375
0 + 0.750
$70,000+
1 + 0.750
1 + 0.250
0 + 0.750
$100,000+
1 + 0.125
0 + 0.500
0+0 [0.250] 0+0 [0.750] 0+0 [1.125] 0+0 [1.500] 0+0 [2.000]
$100,000+
1 + 0.500
0 + 1.000
0 + 0.500
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.500]
$150,000+
0 + 1.000
0 + 0.375
0+0 [0.375] 0+0 [0.875] 0+0 [1.250] 0+0 [1.625] 0+0 [2.125]
$150,000+
1 + 0.375
0 + 0.875
0 + 0.375
0+0 [0.250] 0+0 [0.750] 0+0 [1.250] 0+0 [1.625]
$200,000+
0 + 0.875
0 + 0.250
0+0 [0.500] 0+0 [1.000] 0+0 [1.375] 0+0 [1.750] 0+0 [2.250]
$200,000+
1 + 0.250
0 + 0.750
0 + 0.250
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [1.750]

FICO
LTV %
FICO RANGE
< 60
60.01 - 75
75.01 - 80
80.01 - 85
LTV %
MAX CLTV %
< 720
720
740
- 1/4
- 1/4
- 1/2
- 5/8
65
> 80 - 95
- 1/2
- 1/4
720 - 739
- 1/4
-1
- 1 1/4
-2
> 65 - 75
> 80 - 95
- 3/4
- 1/2
700 - 719
- 1/4
- 1 1/8
- 1 1/4
-2
> 75 - 80
> 76 - 90
-1
- 3/4
680 - 699
- 1/4
- 1 1/8
- 1 7/8
-3
> 75 - 80
> 90 - 95
-1
- 3/4
660 - 679
- 1 1/2
- 1 1/4
- 2 1/2
- 3 1/2
> 80 - 90
> 81 - 95
-1
- 3/4
640 - 659
-2
- 1 3/4
- 3 1/4
-4
> 90 - 95
> 90 - 95
- 1/2
- 1/4

FICO
LTV %
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
+ 1/4
- 1/4
- 1/4
- 1/4
- 1/4
- 2 3/4
720 - 739
+ 1/4
- 1/4
- 1/2
- 1/2
- 1/2
- 1/2
-3
700 - 719
+ 1/4
- 1/2
- 3/4
-1
-1
-1
-1
- 3 1/2
680 - 699
- 1/2
-2
- 1 3/4
- 1 1/2
- 1 1/4
- 1 1/4
- 3 1/2
660 - 679
-1
-2
- 2 1/2
- 2 3/4
- 2 1/4
- 2 1/4
- 4 1/4
640 - 659
- 1/2
- 1 1/4
- 2 1/2
-3
- 3 1/4
- 2 3/4
- 2 3/4
- 4 3/4
620 - 639
- 3/4
- 1 1/2
-3
-3
- 3 1/4
- 3 1/4
- 3 1/4
- 5 1/2
FIXED RATE
30/20 YR FIXED
RATE
4.000%
4.125%
4.250%
4.375%
4.500%
60-DAY
1 + 1.125
1 + 0.625
1 + 0.125
0 + 0.625
0 + 0.125
15 YR FIXED
RATE
3.750%
3.875%
4.000%
4.125%
4.250%
60-DAY
1 + 0.500
1 + 0.125
0 + 0.750
0 + 0.375
0+0
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
Thursday, May 14, 2015
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
640 - 679
680 - 719
720
- 0.500
0.000
3.500%
3.625%
+ 0.250
620 - 639
- 1.500
30 YEAR
3.375%
VA FICO
15 YEAR
3.750%
3.875%
4.000% 4.125%
$40,000+
1 + 0.750
1 + 0.250
0 + 0.875
0+0 [0.500] 0+0 [1.000] 0+0 [1.500] 0+0 [1.875]
2.750%
2.875%
3.000%
3.125%
$40,000+
1 + 0.875
1 + 0.500
0 + 1.000
0 + 0.625
0+0 [0.375] 0+0 [0.750] 0+0 [1.125]
3.250%
3.375%
3.500%
$70,000+
1 + 0.500
0 + 1.000
0 + 0.625
0+0 [0.750] 0+0 [1.250] 0+0 [1.750] 0+0 [2.125]
$70,000+
1 + 0.625
1 + 0.250
0 + 0.750
0 + 0.375
0+0 [0.625] 0+0 [1.000] 0+0 [1.375]
$100,000+
1 + 0.250
0 + 0.750
0 + 0.375
0+0 [1.000] 0+0 [1.500] 0+0 [2.000] 0+0 [2.375]
$100,000+
1 + 0.375
0 + 1.000
0 + 0.500
0 + 0.125
0+0 [0.875] 0+0 [1.250] 0+0 [1.625]
$150,000+
1 + 0.125
0 + 0.625
0 + 0.250
0+0 [1.125] 0+0 [1.625] 0+0 [2.125] 0+0 [2.500]
$150,000+
1 + 0.250
0 + 0.875
0 + 0.375
0+0
0+0 [1.000] 0+0 [1.375] 0+0 [1.750]
$200,000+
0 + 1.000
0 + 0.500
0 + 0.125
0+0 [1.250] 0+0 [1.750] 0+0 [2.250] 0+0 [2.625]
$200,000+
1 + 0.125
0 + 0.750
0 + 0.250
3.750%
3.875%
4.000%
$40,000+
1 + 0.625
0 + 1.000
0 + 0.250
0+0 [0.500] 0+0 [1.125] 0+0 [1.625] 0+0 [2.125]
0+0
0+0 [0.750] 0+0 [1.375] 0+0 [1.875] 0+0 [2.375]
0+0 [0.125] 0+0 [1.125] 0+0 [1.500] 0+0 [1.875]
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
4.000%
4.125%
4.250%
20 YEAR
4.375%
4.500%
4.625%
$40,000+
1 + 0.625
0 + 0.625
0+0 [0.125] 0+0 [0.750] 0+0 [1.125] 0+0 [2.000]
4.125%
4.250%
4.375%
4.500%
$70,000+
1 + 0.375
0 + 0.375
0+0 [0.375] 0+0 [1.000] 0+0 [1.375] 0+0 [2.250]
$70,000+
1 + 0.375
0 + 0.750
$100,000+
1 + 0.125
0 + 0.125
0+0 [0.625] 0+0 [1.250] 0+0 [1.625] 0+0 [2.500]
$100,000+
1 + 0.125
0 + 0.500
0+0 [0.250] 0+0 [1.000] 0+0 [1.625] 0+0 [2.125] 0+0 [2.625]
$150,000+
0 + 1.000
0+0
0+0 [0.750] 0+0 [1.375] 0+0 [1.750] 0+0 [2.625]
$150,000+
0 + 1.000
0 + 0.375
0+0 [0.375] 0+0 [1.125] 0+0 [1.750] 0+0 [2.250] 0+0 [2.750]
$200,000+
0 + 0.875
0+0 [0.125] 0+0 [0.875] 0+0 [1.500] 0+0 [1.875] 0+0 [2.750]
$200,000+
0 + 0.875
0 + 0.250
0+0 [0.500] 0+0 [1.250] 0+0 [1.875] 0+0 [2.375] 0+0 [2.875]
3.000%
3.125%
3.250%
3.375%
$40,000+
1 + 1.000
1 + 0.500
0 + 1.000
0 + 0.500
0+0 [0.125] 0+0 [0.500] 0+0 [0.875]
15 YEAR
3.250%
3.375%
$40,000+
1 + 0.625
0 + 1.000
3.500%
10 YEAR
3.625%
3.750%
3.875%
4.000%
0 + 0.375
0+0 [0.250] 0+0 [0.625] 0+0 [0.875] 0+0 [1.375]
0 + 0.125
0+0 [0.500] 0+0 [0.875] 0+0 [1.125] 0+0 [1.625]
3.500%
3.625% 3.750%
$70,000+
1 + 0.375
0 + 0.750
$70,000+
1 + 0.750
1 + 0.250
0 + 0.750
0 + 0.250
0+0 [0.375] 0+0 [0.750] 0+0 [1.125]
$100,000+
1 + 0.125
0 + 0.500
0+0 [0.125] 0+0 [0.750] 0+0 [1.125] 0+0 [1.375] 0+0 [1.875]
$100,000+
1 + 0.500
0 + 1.000
0 + 0.500
0+0
0+0 [0.625] 0+0 [1.000] 0+0 [1.375]
$150,000+
0 + 1.000
0 + 0.375
0+0 [0.250] 0+0 [0.875] 0+0 [1.250] 0+0 [1.500] 0+0 [2.000]
$150,000+
1 + 0.375
0 + 0.875
0 + 0.375
0+0 [0.125] 0+0 [0.750] 0+0 [1.125] 0+0 [1.500]
$200,000+
0 + 0.875
0 + 0.250
0+0 [0.375] 0+0 [1.000] 0+0 [1.375] 0+0 [1.625] 0+0 [2.125]
$200,000+
1 + 0.250
0 + 0.750
0 + 0.250
0+0 [0.250] 0+0 [0.875] 0+0 [1.250] 0+0 [1.625]

FICO
LTV %
FICO RANGE
< 60
60.01 - 75
75.01 - 80
80.01 - 85
LTV %
MAX CLTV %
< 720
720
740
- 1/4
- 1/4
- 1/2
- 5/8
65
> 80 - 95
- 1/2
- 1/4
720 - 739
- 1/4
-1
- 1 1/4
-2
> 65 - 75
> 80 - 95
- 3/4
- 1/2
700 - 719
- 1/4
- 1 1/8
- 1 1/4
-2
> 75 - 80
> 76 - 90
-1
- 3/4
680 - 699
- 1/4
- 1 1/8
- 1 7/8
-3
> 75 - 80
> 90 - 95
-1
- 3/4
660 - 679
- 1 1/2
- 1 1/4
- 2 1/2
- 3 1/2
> 80 - 90
> 81 - 95
-1
- 3/4
640 - 659
-2
- 1 3/4
- 3 1/4
-4
> 90 - 95
> 90 - 95
- 1/2
- 1/4

FICO
LTV %
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
+ 1/4
- 1/4
- 1/4
- 1/4
- 1/4
- 2 3/4
720 - 739
+ 1/4
- 1/4
- 1/2
- 1/2
- 1/2
- 1/2
-3
700 - 719
+ 1/4
- 1/2
- 3/4
-1
-1
-1
-1
- 3 1/2
680 - 699
- 1/2
-2
- 1 3/4
- 1 1/2
- 1 1/4
- 1 1/4
- 3 1/2
660 - 679
-1
-2
- 2 1/2
- 2 3/4
- 2 1/4
- 2 1/4
- 4 1/4
640 - 659
- 1/2
- 1 1/4
- 2 1/2
-3
- 3 1/4
- 2 3/4
- 2 3/4
- 4 3/4
620 - 639
- 3/4
- 1 1/2
-3
-3
- 3 1/4
- 3 1/4
- 3 1/4
- 5 1/2
FIXED RATE
30/20 YR FIXED
RATE
4.000%
4.125%
4.250%
4.375%
4.500%
60-DAY
1 + 1.375
1 + 0.875
1 + 0.375
0 + 0.875
0 + 0.375
15 YR FIXED
RATE
3.750%
3.875%
4.000%
4.125%
4.250%
60-DAY
1 + 0.500
1 + 0.125
0 + 0.750
0 + 0.375
0+0
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
Friday, May 15, 2015
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
640 - 679
680 - 719
720
- 0.500
0.000
3.375%
3.500%
$40,000+
1 + 0.750
1 + 0.250
0 + 0.750
+ 0.250
620 - 639
- 1.500
30 YEAR
3.250%
VA FICO
15 YEAR
3.625%
3.750%
3.875% 4.000%
0 + 0.375
0+0 [1.000] 0+0 [1.500] 0+0 [2.000]
0 + 0.125
0+0 [1.250] 0+0 [1.750] 0+0 [2.250]
2.750%
2.875%
3.000%
3.125%
$40,000+
1 + 0.500
1 + 0.125
0 + 0.625
0 + 0.250
0+0 [0.625] 0+0 [1.000] 0+0 [1.500]
3.250%
3.375%
3.500%
0+0
0+0 [0.875] 0+0 [1.250] 0+0 [1.750]
$70,000+
1 + 0.500
0 + 1.000
0 + 0.500
$70,000+
1 + 0.250
0 + 0.875
0 + 0.375
$100,000+
1 + 0.250
0 + 0.750
0 + 0.250
0+0 [0.125] 0+0 [1.500] 0+0 [2.000] 0+0 [2.500]
$100,000+
0 + 1.000
0 + 0.625
0 + 0.125
0+0 [0.250] 0+0 [1.125] 0+0 [1.500] 0+0 [2.000]
$150,000+
1 + 0.125
0 + 0.625
0 + 0.125
0+0 [0.250] 0+0 [1.625] 0+0 [2.125] 0+0 [2.625]
$150,000+
0 + 0.875
0 + 0.500
0+0
0+0 [0.375] 0+0 [1.250] 0+0 [1.625] 0+0 [2.125]
$200,000+
0 + 1.000
0 + 0.500
0+0
0+0 [0.375] 0+0 [1.750] 0+0 [2.250] 0+0 [2.750]
$200,000+
0 + 0.750
0 + 0.375
3.625%
3.750%
3.875%
$40,000+
1 + 0.875
1 + 0.125
0 + 0.500
0+0 [0.125] 0+0 [0.875] 0+0 [1.500] 0+0 [2.000]
0+0 [0.125] 0+0 [0.500] 0+0 [1.375] 0+0 [1.750] 0+0 [2.250]
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
3.875%
4.000%
$40,000+
1 + 0.875
1 + 0.125
4.125%
0 + 0.125
20 YEAR
4.250%
4.375%
4.500% 4.625%
0+0 [0.625] 0+0 [1.125] 0+0 [1.625] 0+0 [2.375]
4.000%
4.125%
4.250%
4.375%
$70,000+
1 + 0.625
0 + 0.875
0+0 [0.125] 0+0 [0.875] 0+0 [1.375] 0+0 [1.875] 0+0 [2.625]
$70,000+
1 + 0.625
0 + 0.875
0 + 0.250
0+0 [0.375] 0+0 [1.125] 0+0 [1.750] 0+0 [2.250]
$100,000+
1 + 0.375
0 + 0.625
0+0 [0.375] 0+0 [1.125] 0+0 [1.625] 0+0 [2.125] 0+0 [2.875]
$100,000+
1 + 0.375
0 + 0.625
0+0
0+0 [0.625] 0+0 [1.375] 0+0 [2.000] 0+0 [2.500]
$150,000+
1 + 0.250
0 + 0.500
0+0 [0.500] 0+0 [1.250] 0+0 [1.750] 0+0 [2.250] 0+0 [3.000]
$150,000+
1 + 0.250
0 + 0.500
0+0 [0.125] 0+0 [0.750] 0+0 [1.500] 0+0 [2.125] 0+0 [2.625]
$200,000+
1 + 0.125
0 + 0.375
0+0 [0.625] 0+0 [1.375] 0+0 [1.875] 0+0 [2.375] 0+0 [3.125]
$200,000+
1 + 0.125
0 + 0.375
0+0 [0.250] 0+0 [0.875] 0+0 [1.625] 0+0 [2.250] 0+0 [2.750]
3.000%
3.125%
3.250%
3.375%
$40,000+
1 + 0.875
1 + 0.375
0 + 0.750
0 + 0.125
15 YEAR
3.125%
3.250%
3.375%
$40,000+
1 + 0.750
1 + 0.250
0 + 0.750
10 YEAR
3.500%
3.625%
0+0
3.750%
3.875%
0+0 [0.500] 0+0 [0.875] 0+0 [1.250]
3.500%
3.625% 3.750%
0+0 [0.375] 0+0 [0.875] 0+0 [1.250]
$70,000+
1 + 0.500
0 + 1.000
0 + 0.500
0+0 [0.250] 0+0 [0.750] 0+0 [1.125] 0+0 [1.500]
$70,000+
1 + 0.625
1 + 0.125
0 + 0.500
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.500]
$100,000+
1 + 0.250
0 + 0.750
0 + 0.250
0+0 [0.500] 0+0 [1.000] 0+0 [1.375] 0+0 [1.750]
$100,000+
1 + 0.375
0 + 0.875
0 + 0.250
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [1.750]
$150,000+
1 + 0.125
0 + 0.625
0 + 0.125
0+0 [0.625] 0+0 [1.125] 0+0 [1.500] 0+0 [1.875]
$150,000+
1 + 0.250
0 + 0.750
0 + 0.125
0+0 [0.500] 0+0 [1.000] 0+0 [1.500] 0+0 [1.875]
$200,000+
0 + 1.000
0 + 0.500
0+0
0+0 [0.750] 0+0 [1.250] 0+0 [1.625] 0+0 [2.000]
$200,000+
1 + 0.125
0 + 0.625
0+0
0+0 [0.625] 0+0 [1.125] 0+0 [1.625] 0+0 [2.000]

FICO
LTV %
FICO RANGE
< 60
60.01 - 75
75.01 - 80
80.01 - 85
LTV %
MAX CLTV %
< 720
720
740
- 1/4
- 1/4
- 1/2
- 5/8
65
> 80 - 95
- 1/2
- 1/4
720 - 739
- 1/4
-1
- 1 1/4
-2
> 65 - 75
> 80 - 95
- 3/4
- 1/2
700 - 719
- 1/4
- 1 1/8
- 1 1/4
-2
> 75 - 80
> 76 - 90
-1
- 3/4
680 - 699
- 1/4
- 1 1/8
- 1 7/8
-3
> 75 - 80
> 90 - 95
-1
- 3/4
660 - 679
- 1 1/2
- 1 1/4
- 2 1/2
- 3 1/2
> 80 - 90
> 81 - 95
-1
- 3/4
640 - 659
-2
- 1 3/4
- 3 1/4
-4
> 90 - 95
> 90 - 95
- 1/2
- 1/4

FICO
LTV %
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
+ 1/4
- 1/4
- 1/4
- 1/4
- 1/4
- 2 3/4
720 - 739
+ 1/4
- 1/4
- 1/2
- 1/2
- 1/2
- 1/2
-3
700 - 719
+ 1/4
- 1/2
- 3/4
-1
-1
-1
-1
- 3 1/2
680 - 699
- 1/2
-2
- 1 3/4
- 1 1/2
- 1 1/4
- 1 1/4
- 3 1/2
660 - 679
-1
-2
- 2 1/2
- 2 3/4
- 2 1/4
- 2 1/4
- 4 1/4
640 - 659
- 1/2
- 1 1/4
- 2 1/2
-3
- 3 1/4
- 2 3/4
- 2 3/4
- 4 3/4
620 - 639
- 3/4
- 1 1/2
-3
-3
- 3 1/4
- 3 1/4
- 3 1/4
- 5 1/2
FIXED RATE
30/20 YR FIXED
RATE
4.000%
4.125%
4.250%
4.375%
4.500%
60-DAY
1 + 1.000
1 + 0.500
0 + 1.000
0 + 0.500
0+0
15 YR FIXED
RATE
3.625%
3.750%
3.875%
4.000%
4.125%
60-DAY
1 + 0.500
1 + 0.125
0 + 0.750
0 + 0.375
0+0
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
Monday, May 18, 2015
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
640 - 679
680 - 719
720
- 0.500
0.000
3.375%
3.500%
$40,000+
1 + 0.750
1 + 0.250
0 + 0.750
+ 0.250
620 - 639
- 1.500
30 YEAR
3.250%
VA FICO
15 YEAR
3.625%
3.750%
3.875% 4.000%
0 + 0.375
0+0 [1.000] 0+0 [1.500] 0+0 [2.000]
0 + 0.125
0+0 [1.250] 0+0 [1.750] 0+0 [2.250]
2.750%
2.875%
3.000%
3.125%
$40,000+
1 + 0.625
1 + 0.125
0 + 0.750
0 + 0.375
0+0 [0.625] 0+0 [1.000] 0+0 [1.375]
3.250%
3.375%
3.500%
0 + 0.125
0+0 [0.875] 0+0 [1.250] 0+0 [1.625]
$70,000+
1 + 0.500
0 + 1.000
0 + 0.500
$70,000+
1 + 0.375
0 + 0.875
0 + 0.500
$100,000+
1 + 0.250
0 + 0.750
0 + 0.250
0+0 [0.125] 0+0 [1.500] 0+0 [2.000] 0+0 [2.500]
$100,000+
1 + 0.125
0 + 0.625
0 + 0.250
0+0 [0.125] 0+0 [1.125] 0+0 [1.500] 0+0 [1.875]
$150,000+
1 + 0.125
0 + 0.625
0 + 0.125
0+0 [0.250] 0+0 [1.625] 0+0 [2.125] 0+0 [2.625]
$150,000+
0 + 1.000
0 + 0.500
0 + 0.125
0+0 [0.250] 0+0 [1.250] 0+0 [1.625] 0+0 [2.000]
$200,000+
0 + 1.000
0 + 0.500
0+0
0+0 [0.375] 0+0 [1.750] 0+0 [2.250] 0+0 [2.750]
$200,000+
0 + 0.875
0 + 0.375
0+0
0+0 [0.375] 0+0 [1.375] 0+0 [1.750] 0+0 [2.125]
3.625%
3.750%
3.875%
$40,000+
1 + 0.875
1 + 0.125
0 + 0.500
0+0 [0.125] 0+0 [0.875] 0+0 [1.375] 0+0 [1.875]
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
3.875%
4.000%
$40,000+
1 + 0.875
0 + 1.000
4.125%
0 + 0.125
20 YEAR
4.250%
4.375%
4.500% 4.625%
0+0 [0.625] 0+0 [1.125] 0+0 [1.625] 0+0 [2.250]
4.000%
4.125%
4.250%
4.375%
$70,000+
1 + 0.625
0 + 0.750
0+0 [0.125] 0+0 [0.875] 0+0 [1.375] 0+0 [1.875] 0+0 [2.500]
$70,000+
1 + 0.625
0 + 0.875
0 + 0.250
0+0 [0.375] 0+0 [1.125] 0+0 [1.625] 0+0 [2.125]
$100,000+
1 + 0.375
0 + 0.500
0+0 [0.375] 0+0 [1.125] 0+0 [1.625] 0+0 [2.125] 0+0 [2.750]
$100,000+
1 + 0.375
0 + 0.625
0+0
0+0 [0.625] 0+0 [1.375] 0+0 [1.875] 0+0 [2.375]
$150,000+
1 + 0.250
0 + 0.375
0+0 [0.500] 0+0 [1.250] 0+0 [1.750] 0+0 [2.250] 0+0 [2.875]
$150,000+
1 + 0.250
0 + 0.500
0+0 [0.125] 0+0 [0.750] 0+0 [1.500] 0+0 [2.000] 0+0 [2.500]
$200,000+
1 + 0.125
0 + 0.250
0+0 [0.625] 0+0 [1.375] 0+0 [1.875] 0+0 [2.375] 0+0 [3.000]
$200,000+
1 + 0.125
0 + 0.375
0+0 [0.250] 0+0 [0.875] 0+0 [1.625] 0+0 [2.125] 0+0 [2.625]
3.000%
3.125%
3.250%
3.375%
$40,000+
1 + 0.875
1 + 0.375
0 + 0.750
0 + 0.250
0+0 [0.375] 0+0 [0.750] 0+0 [1.125]
0+0
0+0 [0.625] 0+0 [1.000] 0+0 [1.375]
15 YEAR
3.125%
3.250%
3.375%
$40,000+
1 + 0.750
1 + 0.375
0 + 0.750
10 YEAR
3.500%
3.625%
0+0
3.750%
3.875%
0+0 [0.500] 0+0 [0.875] 0+0 [1.125]
3.500%
3.625% 3.750%
$70,000+
1 + 0.500
1 + 0.125
0 + 0.500
0+0 [0.250] 0+0 [0.750] 0+0 [1.125] 0+0 [1.375]
$70,000+
1 + 0.625
1 + 0.125
0 + 0.500
$100,000+
1 + 0.250
0 + 0.875
0 + 0.250
0+0 [0.500] 0+0 [1.000] 0+0 [1.375] 0+0 [1.625]
$100,000+
1 + 0.375
0 + 0.875
0 + 0.250
0+0 [0.250] 0+0 [0.875] 0+0 [1.250] 0+0 [1.625]
$150,000+
1 + 0.125
0 + 0.750
0 + 0.125
0+0 [0.625] 0+0 [1.125] 0+0 [1.500] 0+0 [1.750]
$150,000+
1 + 0.250
0 + 0.750
0 + 0.125
0+0 [0.375] 0+0 [1.000] 0+0 [1.375] 0+0 [1.750]
$200,000+
0 + 1.000
0 + 0.625
0+0
0+0 [0.750] 0+0 [1.250] 0+0 [1.625] 0+0 [1.875]
$200,000+
1 + 0.125
0 + 0.625
0+0
0+0 [0.500] 0+0 [1.125] 0+0 [1.500] 0+0 [1.875]

FICO
LTV %
FICO RANGE
< 60
60.01 - 75
75.01 - 80
80.01 - 85
LTV %
MAX CLTV %
< 720
720
740
- 1/4
- 1/4
- 1/2
- 5/8
65
> 80 - 95
- 1/2
- 1/4
720 - 739
- 1/4
-1
- 1 1/4
-2
> 65 - 75
> 80 - 95
- 3/4
- 1/2
700 - 719
- 1/4
- 1 1/8
- 1 1/4
-2
> 75 - 80
> 76 - 90
-1
- 3/4
680 - 699
- 1/4
- 1 1/8
- 1 7/8
-3
> 75 - 80
> 90 - 95
-1
- 3/4
660 - 679
- 1 1/2
- 1 1/4
- 2 1/2
- 3 1/2
> 80 - 90
> 81 - 95
-1
- 3/4
640 - 659
-2
- 1 3/4
- 3 1/4
-4
> 90 - 95
> 90 - 95
- 1/2
- 1/4

FICO
LTV %
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
+ 1/4
- 1/4
- 1/4
- 1/4
- 1/4
- 2 3/4
720 - 739
+ 1/4
- 1/4
- 1/2
- 1/2
- 1/2
- 1/2
-3
700 - 719
+ 1/4
- 1/2
- 3/4
-1
-1
-1
-1
- 3 1/2
680 - 699
- 1/2
-2
- 1 3/4
- 1 1/2
- 1 1/4
- 1 1/4
- 3 1/2
660 - 679
-1
-2
- 2 1/2
- 2 3/4
- 2 1/4
- 2 1/4
- 4 1/4
640 - 659
- 1/2
- 1 1/4
- 2 1/2
-3
- 3 1/4
- 2 3/4
- 2 3/4
- 4 3/4
620 - 639
- 3/4
- 1 1/2
-3
-3
- 3 1/4
- 3 1/4
- 3 1/4
- 5 1/2
FIXED RATE
30/20 YR FIXED
RATE
4.000%
4.125%
4.250%
4.375%
4.500%
60-DAY
1 + 1.000
1 + 0.500
0 + 1.000
0 + 0.500
0+0
15 YR FIXED
RATE
3.625%
3.750%
3.875%
4.000%
4.125%
60-DAY
1 + 0.625
1 + 0.250
0 + 0.875
0 + 0.500
0 + 0.125
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
640 - 679
680 - 719
720
- 0.500
0.000
3.500%
3.625%
+ 0.250
620 - 639
- 1.500
30 YEAR
3.375%
VA FICO
15 YEAR
3.750%
3.875%
4.000% 4.125%
$40,000+
1 + 0.625
1 + 0.125
0 + 0.750
0+0 [0.625] 0+0 [1.125] 0+0 [1.625] 0+0 [2.000]
2.750%
2.875%
3.000%
3.125%
$40,000+
1 + 1.000
1 + 0.500
1 + 0.125
0 + 0.750
0+0 [0.375] 0+0 [0.750] 0+0 [1.125]
3.250%
3.375%
3.500%
$70,000+
1 + 0.375
0 + 0.875
0 + 0.500
0+0 [0.875] 0+0 [1.375] 0+0 [1.875] 0+0 [2.250]
$70,000+
1 + 0.750
1 + 0.250
0 + 0.875
0 + 0.500
0+0 [0.625] 0+0 [1.000] 0+0 [1.375]
$100,000+
1 + 0.125
0 + 0.625
0 + 0.250
0+0 [1.125] 0+0 [1.625] 0+0 [2.125] 0+0 [2.500]
$100,000+
1 + 0.500
0 + 1.000
0 + 0.625
0 + 0.250
0+0 [0.875] 0+0 [1.250] 0+0 [1.625]
$150,000+
0 + 1.000
0 + 0.500
0 + 0.125
0+0 [1.250] 0+0 [1.750] 0+0 [2.250] 0+0 [2.625]
$150,000+
1 + 0.375
0 + 0.875
0 + 0.500
0 + 0.125
0+0 [1.000] 0+0 [1.375] 0+0 [1.750]
$200,000+
0 + 0.875
0 + 0.375
0+0
0+0 [1.375] 0+0 [1.875] 0+0 [2.375] 0+0 [2.750]
$200,000+
1 + 0.250
0 + 0.750
0 + 0.375
0+0
0+0 [1.125] 0+0 [1.500] 0+0 [1.875]
3.625%
3.750%
3.875%
4.000%
$40,000+
1 + 1.375
1 + 0.500
0 + 1.000
0 + 0.250
0+0 [0.500] 0+0 [1.000] 0+0 [1.625]
0+0
0+0 [0.750] 0+0 [1.250] 0+0 [1.875]
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
3.875%
4.000%
4.125%
20 YEAR
4.250%
4.375%
4.500% 4.625%
$40,000+
1 + 1.250
1 + 0.375
0 + 0.500
0+0 [0.375] 0+0 [0.875] 0+0 [1.250] 0+0 [2.000]
4.125%
4.250%
4.375%
$70,000+
1 + 1.000
1 + 0.125
0 + 0.250
0+0 [0.625] 0+0 [1.125] 0+0 [1.500] 0+0 [2.250]
$70,000+
1 + 1.125
1 + 0.250
0 + 0.750
$100,000+
1 + 0.750
0 + 0.875
0+0
0+0 [0.875] 0+0 [1.375] 0+0 [1.750] 0+0 [2.500]
$100,000+
1 + 0.875
0 + 1.000
0 + 0.500
0+0 [0.250] 0+0 [1.000] 0+0 [1.500] 0+0 [2.125]
$150,000+
1 + 0.625
0 + 0.750
0+0 [0.125] 0+0 [1.000] 0+0 [1.500] 0+0 [1.875] 0+0 [2.625]
$150,000+
1 + 0.750
0 + 0.875
0 + 0.375
0+0 [0.375] 0+0 [1.125] 0+0 [1.625] 0+0 [2.250]
$200,000+
1 + 0.500
0 + 0.625
0+0 [0.250] 0+0 [1.125] 0+0 [1.625] 0+0 [2.000] 0+0 [2.750]
$200,000+
1 + 0.625
0 + 0.750
0 + 0.250
0+0 [0.500] 0+0 [1.250] 0+0 [1.750] 0+0 [2.375]
3.125%
3.250%
3.375%
$40,000+
1 + 0.625
0 + 1.000
0 + 0.500
0+0 [0.125] 0+0 [0.500] 0+0 [0.875] 0+0 [1.250]
15 YEAR
3.250%
3.375%
$40,000+
1 + 0.750
0 + 1.000
3.500%
10 YEAR
3.625%
3.750%
3.875%
4.000%
0 + 0.250
0+0 [0.250] 0+0 [0.625] 0+0 [0.875] 0+0 [1.375]
0+0
0+0 [0.500] 0+0 [0.875] 0+0 [1.125] 0+0 [1.625]
3.500%
3.625%
3.750% 3.875%
$70,000+
1 + 0.500
0 + 0.750
$70,000+
1 + 0.375
0 + 0.750
0 + 0.250
0+0 [0.375] 0+0 [0.750] 0+0 [1.125] 0+0 [1.500]
$100,000+
1 + 0.250
0 + 0.500
0+0 [0.250] 0+0 [0.750] 0+0 [1.125] 0+0 [1.375] 0+0 [1.875]
$100,000+
1 + 0.125
0 + 0.500
0+0
0+0 [0.625] 0+0 [1.000] 0+0 [1.375] 0+0 [1.750]
$150,000+
1 + 0.125
0 + 0.375
0+0 [0.375] 0+0 [0.875] 0+0 [1.250] 0+0 [1.500] 0+0 [2.000]
$150,000+
0 + 1.000
0 + 0.375
0+0 [0.125] 0+0 [0.750] 0+0 [1.125] 0+0 [1.500] 0+0 [1.875]
$200,000+
0 + 1.000
0 + 0.250
0+0 [0.500] 0+0 [1.000] 0+0 [1.375] 0+0 [1.625] 0+0 [2.125]
$200,000+
0 + 0.875
0 + 0.250
0+0 [0.250] 0+0 [0.875] 0+0 [1.250] 0+0 [1.625] 0+0 [2.000]

FICO
LTV %
FICO RANGE
< 60
60.01 - 75
75.01 - 80
80.01 - 85
LTV %
MAX CLTV %
< 720
720
740
- 1/4
- 1/4
- 1/2
- 5/8
65
> 80 - 95
- 1/2
- 1/4
720 - 739
- 1/4
-1
- 1 1/4
-2
> 65 - 75
> 80 - 95
- 3/4
- 1/2
700 - 719
- 1/4
- 1 1/8
- 1 1/4
-2
> 75 - 80
> 76 - 90
-1
- 3/4
680 - 699
- 1/4
- 1 1/8
- 1 7/8
-3
> 75 - 80
> 90 - 95
-1
- 3/4
660 - 679
- 1 1/2
- 1 1/4
- 2 1/2
- 3 1/2
> 80 - 90
> 81 - 95
-1
- 3/4
640 - 659
-2
- 1 3/4
- 3 1/4
-4
> 90 - 95
> 90 - 95
- 1/2
- 1/4

FICO
LTV %
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
+ 1/4
- 1/4
- 1/4
- 1/4
- 1/4
- 2 3/4
720 - 739
+ 1/4
- 1/4
- 1/2
- 1/2
- 1/2
- 1/2
-3
700 - 719
+ 1/4
- 1/2
- 3/4
-1
-1
-1
-1
- 3 1/2
680 - 699
- 1/2
-2
- 1 3/4
- 1 1/2
- 1 1/4
- 1 1/4
- 3 1/2
660 - 679
-1
-2
- 2 1/2
- 2 3/4
- 2 1/4
- 2 1/4
- 4 1/4
640 - 659
- 1/2
- 1 1/4
- 2 1/2
-3
- 3 1/4
- 2 3/4
- 2 3/4
- 4 3/4
620 - 639
- 3/4
- 1 1/2
-3
-3
- 3 1/4
- 3 1/4
- 3 1/4
- 5 1/2
FIXED RATE
30/20 YR FIXED
RATE
4.000%
4.125%
4.250%
4.375%
4.500%
60-DAY
1 + 1.250
1 + 0.750
1 + 0.250
0 + 0.750
0 + 0.250
15 YR FIXED
RATE
3.750%
3.875%
4.000%
4.125%
4.250%
60-DAY
1 + 0.500
1 + 0.125
0 + 0.750
0 + 0.375
0+0
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
640 - 679
680 - 719
720
- 0.500
0.000
3.375%
3.500%
+ 0.250
620 - 639
- 1.500
30 YEAR
3.250%
VA FICO
15 YEAR
3.625%
3.750%
3.875% 4.000%
$40,000+
1 + 1.125
1 + 0.500
0 + 1.000
0 + 0.625
0+0 [0.625] 0+0 [1.125] 0+0 [1.625]
2.750%
2.875%
3.000%
3.125%
$40,000+
1 + 0.875
1 + 0.375
0 + 1.000
0 + 0.625
0+0 [0.375] 0+0 [0.750] 0+0 [1.250]
3.250%
3.375%
3.500%
$70,000+
1 + 0.875
1 + 0.250
0 + 0.750
0 + 0.375
0+0 [0.875] 0+0 [1.375] 0+0 [1.875]
$70,000+
1 + 0.625
1 + 0.125
0 + 0.750
0 + 0.375
0+0 [0.625] 0+0 [1.000] 0+0 [1.500]
$100,000+
1 + 0.625
0 + 1.000
0 + 0.500
0 + 0.125
0+0 [1.125] 0+0 [1.625] 0+0 [2.125]
$100,000+
1 + 0.375
0 + 0.875
0 + 0.500
0 + 0.125
0+0 [0.875] 0+0 [1.250] 0+0 [1.750]
$150,000+
1 + 0.500
0 + 0.875
0 + 0.375
0+0
0+0 [1.250] 0+0 [1.750] 0+0 [2.250]
$150,000+
1 + 0.250
0 + 0.750
0 + 0.375
0+0
0+0 [1.000] 0+0 [1.375] 0+0 [1.875]
$200,000+
1 + 0.375
0 + 0.750
0 + 0.250
0+0 [0.125] 0+0 [1.375] 0+0 [1.875] 0+0 [2.375]
$200,000+
1 + 0.125
0 + 0.625
0 + 0.250
3.625%
3.750%
3.875%
4.000%
$40,000+
1 + 1.250
1 + 0.500
0 + 0.875
0 + 0.125
0+0 [0.125] 0+0 [1.125] 0+0 [1.500] 0+0 [2.000]
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
3.875%
4.000%
4.125%
20 YEAR
4.250%
4.375%
4.500% 4.625%
$40,000+
1 + 1.125
1 + 0.375
0 + 0.500
0+0 [0.375] 0+0 [0.875] 0+0 [1.250] 0+0 [2.000]
4.125%
4.250%
4.375%
0+0 [0.625] 0+0 [1.125] 0+0 [1.625]
$70,000+
1 + 0.875
1 + 0.125
0 + 0.250
0+0 [0.625] 0+0 [1.125] 0+0 [1.500] 0+0 [2.250]
$70,000+
1 + 1.000
1 + 0.250
0 + 0.625
0+0 [0.125] 0+0 [0.875] 0+0 [1.375] 0+0 [1.875]
$100,000+
1 + 0.625
0 + 0.875
0+0
0+0 [0.875] 0+0 [1.375] 0+0 [1.750] 0+0 [2.500]
$100,000+
1 + 0.750
0 + 1.000
0 + 0.375
0+0 [0.375] 0+0 [1.125] 0+0 [1.625] 0+0 [2.125]
$150,000+
1 + 0.500
0 + 0.750
0+0 [0.125] 0+0 [1.000] 0+0 [1.500] 0+0 [1.875] 0+0 [2.625]
$150,000+
1 + 0.625
0 + 0.875
0 + 0.250
0+0 [0.500] 0+0 [1.250] 0+0 [1.750] 0+0 [2.250]
$200,000+
1 + 0.375
0 + 0.625
0+0 [0.250] 0+0 [1.125] 0+0 [1.625] 0+0 [2.000] 0+0 [2.750]
$200,000+
1 + 0.500
0 + 0.750
0 + 0.125
0+0 [0.625] 0+0 [1.375] 0+0 [1.875] 0+0 [2.375]
3.125%
3.250%
3.375%
$40,000+
1 + 0.625
0 + 1.000
0 + 0.375
0+0 [0.125] 0+0 [0.500] 0+0 [0.875] 0+0 [1.375]
0 + 0.125
0+0 [0.375] 0+0 [0.750] 0+0 [1.125] 0+0 [1.625]
15 YEAR
3.250%
3.375%
$40,000+
1 + 0.625
0 + 1.000
3.500%
10 YEAR
3.625%
3.750%
3.875%
4.000%
0 + 0.250
0+0 [0.250] 0+0 [0.625] 0+0 [1.000] 0+0 [1.500]
0+0
0+0 [0.500] 0+0 [0.875] 0+0 [1.250] 0+0 [1.750]
3.500%
3.625%
3.750% 3.875%
$70,000+
1 + 0.375
0 + 0.750
$70,000+
1 + 0.375
0 + 0.750
$100,000+
1 + 0.125
0 + 0.500
0+0 [0.250] 0+0 [0.750] 0+0 [1.125] 0+0 [1.500] 0+0 [2.000]
$100,000+
1 + 0.125
0 + 0.500
0+0 [0.125] 0+0 [0.625] 0+0 [1.000] 0+0 [1.375] 0+0 [1.875]
$150,000+
0 + 1.000
0 + 0.375
0+0 [0.375] 0+0 [0.875] 0+0 [1.250] 0+0 [1.625] 0+0 [2.125]
$150,000+
0 + 1.000
0 + 0.375
0+0 [0.250] 0+0 [0.750] 0+0 [1.125] 0+0 [1.500] 0+0 [2.000]
$200,000+
0 + 0.875
0 + 0.250
0+0 [0.500] 0+0 [1.000] 0+0 [1.375] 0+0 [1.750] 0+0 [2.250]
$200,000+
0 + 0.875
0 + 0.250
0+0 [0.375] 0+0 [0.875] 0+0 [1.250] 0+0 [1.625] 0+0 [2.125]

FICO
LTV %
FICO RANGE
< 60
60.01 - 75
75.01 - 80
80.01 - 85
LTV %
MAX CLTV %
< 720
720
740
- 1/4
- 1/4
- 1/2
- 5/8
65
> 80 - 95
- 1/2
- 1/4
720 - 739
- 1/4
-1
- 1 1/4
-2
> 65 - 75
> 80 - 95
- 3/4
- 1/2
700 - 719
- 1/4
- 1 1/8
- 1 1/4
-2
> 75 - 80
> 76 - 90
-1
- 3/4
680 - 699
- 1/4
- 1 1/8
- 1 7/8
-3
> 75 - 80
> 90 - 95
-1
- 3/4
660 - 679
- 1 1/2
- 1 1/4
- 2 1/2
- 3 1/2
> 80 - 90
> 81 - 95
-1
- 3/4
640 - 659
-2
- 1 3/4
- 3 1/4
-4
> 90 - 95
> 90 - 95
- 1/2
- 1/4

FICO
LTV %
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
+ 1/4
- 1/4
- 1/4
- 1/4
- 1/4
- 2 3/4
720 - 739
+ 1/4
- 1/4
- 1/2
- 1/2
- 1/2
- 1/2
-3
700 - 719
+ 1/4
- 1/2
- 3/4
-1
-1
-1
-1
- 3 1/2
680 - 699
- 1/2
-2
- 1 3/4
- 1 1/2
- 1 1/4
- 1 1/4
- 3 1/2
660 - 679
-1
-2
- 2 1/2
- 2 3/4
- 2 1/4
- 2 1/4
- 4 1/4
640 - 659
- 1/2
- 1 1/4
- 2 1/2
-3
- 3 1/4
- 2 3/4
- 2 3/4
- 4 3/4
620 - 639
- 3/4
- 1 1/2
-3
-3
- 3 1/4
- 3 1/4
- 3 1/4
- 5 1/2
FIXED RATE
30/20 YR FIXED
RATE
4.000%
4.125%
4.250%
4.375%
4.500%
60-DAY
1 + 1.250
1 + 0.750
1 + 0.250
0 + 0.750
0 + 0.250
15 YR FIXED
RATE
3.625%
3.750%
3.875%
4.000%
4.125%
60-DAY
1 + 0.750
1 + 0.375
0 + 1.000
0 + 0.625
0 + 0.250
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
640 - 679
680 - 719
720
- 0.500
0.000
3.375%
3.500%
+ 0.250
620 - 639
- 1.500
30 YEAR
3.250%
VA FICO
15 YEAR
3.625%
3.750%
3.875% 4.000%
$40,000+
1 + 1.125
1 + 0.500
0 + 1.000
0 + 0.625
0+0 [0.625] 0+0 [1.125] 0+0 [1.500]
2.750%
2.875%
3.000%
3.125%
$40,000+
1 + 0.875
1 + 0.500
0 + 1.000
0 + 0.625
0+0 [0.375] 0+0 [0.750] 0+0 [1.250]
3.250%
3.375%
3.500%
$70,000+
1 + 0.875
1 + 0.250
0 + 0.750
0 + 0.375
0+0 [0.875] 0+0 [1.375] 0+0 [1.750]
$70,000+
1 + 0.625
1 + 0.250
0 + 0.750
0 + 0.375
0+0 [0.625] 0+0 [1.000] 0+0 [1.500]
$100,000+
1 + 0.625
0 + 1.000
0 + 0.500
0 + 0.125
0+0 [1.125] 0+0 [1.625] 0+0 [2.000]
$100,000+
1 + 0.375
0 + 1.000
0 + 0.500
0 + 0.125
0+0 [0.875] 0+0 [1.250] 0+0 [1.750]
$150,000+
1 + 0.500
0 + 0.875
0 + 0.375
0+0
0+0 [1.250] 0+0 [1.750] 0+0 [2.125]
$150,000+
1 + 0.250
0 + 0.875
0 + 0.375
0+0
0+0 [1.000] 0+0 [1.375] 0+0 [1.875]
$200,000+
1 + 0.375
0 + 0.750
0 + 0.250
0+0 [0.125] 0+0 [1.375] 0+0 [1.875] 0+0 [2.250]
$200,000+
1 + 0.125
0 + 0.750
0 + 0.250
3.625%
3.750%
3.875%
4.000%
$40,000+
1 + 1.375
1 + 0.500
0 + 0.875
0 + 0.250
0+0 [0.500] 0+0 [1.125] 0+0 [1.750]
0+0
0+0 [0.750] 0+0 [1.375] 0+0 [2.000]
0+0 [0.125] 0+0 [1.125] 0+0 [1.500] 0+0 [2.000]
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
3.875%
4.000%
4.125%
20 YEAR
4.250%
4.375%
4.500% 4.625%
$40,000+
1 + 1.250
1 + 0.375
0 + 0.500
0+0 [0.375] 0+0 [0.875] 0+0 [1.250] 0+0 [2.125]
4.125%
4.250%
4.375%
$70,000+
1 + 1.000
1 + 0.125
0 + 0.250
0+0 [0.625] 0+0 [1.125] 0+0 [1.500] 0+0 [2.375]
$70,000+
1 + 1.125
1 + 0.250
0 + 0.625
$100,000+
1 + 0.750
0 + 0.875
0+0
0+0 [0.875] 0+0 [1.375] 0+0 [1.750] 0+0 [2.625]
$100,000+
1 + 0.875
0 + 1.000
0 + 0.375
0+0 [0.250] 0+0 [1.000] 0+0 [1.625] 0+0 [2.250]
$150,000+
1 + 0.625
0 + 0.750
0+0 [0.125] 0+0 [1.000] 0+0 [1.500] 0+0 [1.875] 0+0 [2.750]
$150,000+
1 + 0.750
0 + 0.875
0 + 0.250
0+0 [0.375] 0+0 [1.125] 0+0 [1.750] 0+0 [2.375]
$200,000+
1 + 0.500
0 + 0.625
0+0 [0.250] 0+0 [1.125] 0+0 [1.625] 0+0 [2.000] 0+0 [2.875]
$200,000+
1 + 0.625
0 + 0.750
0 + 0.125
0+0 [0.500] 0+0 [1.250] 0+0 [1.875] 0+0 [2.500]
3.125%
3.250%
3.375%
3.500%
$40,000+
1 + 0.625
0 + 1.000
0 + 0.500
0+0
15 YEAR
3.250%
3.375%
$40,000+
1 + 0.625
0 + 1.000
3.500%
10 YEAR
3.625%
3.750%
3.875%
4.000%
0 + 0.250
0+0 [0.250] 0+0 [0.625] 0+0 [1.000] 0+0 [1.500]
0+0
0+0 [0.500] 0+0 [0.875] 0+0 [1.250] 0+0 [1.750]
3.625%
3.750% 3.875%
0+0 [0.500] 0+0 [0.875] 0+0 [1.250]
$70,000+
1 + 0.375
0 + 0.750
$70,000+
1 + 0.375
0 + 0.750
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.125] 0+0 [1.500]
$100,000+
1 + 0.125
0 + 0.500
0+0 [0.250] 0+0 [0.750] 0+0 [1.125] 0+0 [1.500] 0+0 [2.000]
$100,000+
1 + 0.125
0 + 0.500
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.375] 0+0 [1.750]
$150,000+
0 + 1.000
0 + 0.375
0+0 [0.375] 0+0 [0.875] 0+0 [1.250] 0+0 [1.625] 0+0 [2.125]
$150,000+
0 + 1.000
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.500] 0+0 [1.875]
$200,000+
0 + 0.875
0 + 0.250
0+0 [0.500] 0+0 [1.000] 0+0 [1.375] 0+0 [1.750] 0+0 [2.250]
$200,000+
0 + 0.875
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.250] 0+0 [1.625] 0+0 [2.000]

FICO
LTV %
FICO RANGE
< 60
60.01 - 75
75.01 - 80
80.01 - 85
LTV %
MAX CLTV %
< 720
720
740
- 1/4
- 1/4
- 1/2
- 5/8
65
> 80 - 95
- 1/2
- 1/4
720 - 739
- 1/4
-1
- 1 1/4
-2
> 65 - 75
> 80 - 95
- 3/4
- 1/2
700 - 719
- 1/4
- 1 1/8
- 1 1/4
-2
> 75 - 80
> 76 - 90
-1
- 3/4
680 - 699
- 1/4
- 1 1/8
- 1 7/8
-3
> 75 - 80
> 90 - 95
-1
- 3/4
660 - 679
- 1 1/2
- 1 1/4
- 2 1/2
- 3 1/2
> 80 - 90
> 81 - 95
-1
- 3/4
640 - 659
-2
- 1 3/4
- 3 1/4
-4
> 90 - 95
> 90 - 95
- 1/2
- 1/4

FICO
LTV %
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
+ 1/4
- 1/4
- 1/4
- 1/4
- 1/4
- 2 3/4
720 - 739
+ 1/4
- 1/4
- 1/2
- 1/2
- 1/2
- 1/2
-3
700 - 719
+ 1/4
- 1/2
- 3/4
-1
-1
-1
-1
- 3 1/2
680 - 699
- 1/2
-2
- 1 3/4
- 1 1/2
- 1 1/4
- 1 1/4
- 3 1/2
660 - 679
-1
-2
- 2 1/2
- 2 3/4
- 2 1/4
- 2 1/4
- 4 1/4
640 - 659
- 1/2
- 1 1/4
- 2 1/2
-3
- 3 1/4
- 2 3/4
- 2 3/4
- 4 3/4
620 - 639
- 3/4
- 1 1/2
-3
-3
- 3 1/4
- 3 1/4
- 3 1/4
- 5 1/2
FIXED RATE
30/20 YR FIXED
RATE
4.000%
4.125%
4.250%
4.375%
4.500%
60-DAY
1 + 1.250
1 + 0.750
1 + 0.250
0 + 0.750
0 + 0.250
15 YR FIXED
RATE
3.750%
3.875%
4.000%
4.125%
4.250%
60-DAY
1 + 0.375
0 + 1.000
0 + 0.625
0 + 0.250
0+0
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
640 - 679
680 - 719
720
- 0.500
0.000
3.375%
3.500%
+ 0.250
620 - 639
- 1.500
30 YEAR
3.250%
VA FICO
15 YEAR
3.625%
3.750%
3.875% 4.000%
$40,000+
1 + 1.000
1 + 0.500
0 + 0.875
0 + 0.500
0+0 [0.625] 0+0 [1.125] 0+0 [1.500]
2.750%
2.875%
3.000%
3.125%
$40,000+
1 + 0.875
1 + 0.500
0 + 1.000
0 + 0.750
0+0 [0.375] 0+0 [0.750] 0+0 [1.250]
3.250%
3.375%
3.500%
$70,000+
1 + 0.750
1 + 0.250
0 + 0.625
0 + 0.250
0+0 [0.875] 0+0 [1.375] 0+0 [1.750]
$70,000+
1 + 0.625
1 + 0.250
0 + 0.750
0 + 0.500
0+0 [0.625] 0+0 [1.000] 0+0 [1.500]
$100,000+
1 + 0.500
0 + 1.000
0 + 0.375
0+0
0+0 [1.125] 0+0 [1.625] 0+0 [2.000]
$100,000+
1 + 0.375
0 + 1.000
0 + 0.500
0 + 0.250
0+0 [0.875] 0+0 [1.250] 0+0 [1.750]
$150,000+
1 + 0.375
0 + 0.875
0 + 0.250
0+0 [0.125] 0+0 [1.250] 0+0 [1.750] 0+0 [2.125]
$150,000+
1 + 0.250
0 + 0.875
0 + 0.375
0 + 0.125
0+0 [1.000] 0+0 [1.375] 0+0 [1.875]
$200,000+
1 + 0.250
0 + 0.750
0 + 0.125
0+0 [0.250] 0+0 [1.375] 0+0 [1.875] 0+0 [2.250]
$200,000+
1 + 0.125
0 + 0.750
0 + 0.250
0+0
0+0 [1.125] 0+0 [1.500] 0+0 [2.000]
3.625%
3.750%
3.875%
4.000%
$40,000+
1 + 1.125
1 + 0.250
0 + 0.625
0+0
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
3.875%
4.000%
$40,000+
1 + 1.125
1 + 0.375
4.125%
20 YEAR
4.250%
4.375%
4.500% 4.625%
0 + 0.375
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [2.125]
0 + 0.125
0+0 [0.625] 0+0 [1.125] 0+0 [1.625] 0+0 [2.375]
4.125%
4.250%
4.375%
0+0 [0.625] 0+0 [1.250] 0+0 [1.750]
$70,000+
1 + 0.875
1 + 0.125
$70,000+
1 + 0.875
0 + 1.000
0 + 0.375
0+0 [0.250] 0+0 [0.875] 0+0 [1.500] 0+0 [2.000]
$100,000+
1 + 0.625
0 + 0.875
0+0 [0.125] 0+0 [0.875] 0+0 [1.375] 0+0 [1.875] 0+0 [2.625]
$100,000+
1 + 0.625
0 + 0.750
0 + 0.125
0+0 [0.500] 0+0 [1.125] 0+0 [1.750] 0+0 [2.250]
$150,000+
1 + 0.500
0 + 0.750
0+0 [0.250] 0+0 [1.000] 0+0 [1.500] 0+0 [2.000] 0+0 [2.750]
$150,000+
1 + 0.500
0 + 0.625
0+0
0+0 [0.625] 0+0 [1.250] 0+0 [1.875] 0+0 [2.375]
$200,000+
1 + 0.375
0 + 0.625
0+0 [0.375] 0+0 [1.125] 0+0 [1.625] 0+0 [2.125] 0+0 [2.875]
$200,000+
1 + 0.375
0 + 0.500
3.125%
3.250%
3.375%
$40,000+
1 + 0.625
0 + 1.000
0 + 0.375
0+0 [0.125] 0+0 [0.500] 0+0 [1.000] 0+0 [1.375]
0 + 0.125
0+0 [0.375] 0+0 [0.750] 0+0 [1.250] 0+0 [1.625]
15 YEAR
3.250%
3.375%
$40,000+
1 + 0.750
0 + 1.000
3.500%
0+0 [0.125] 0+0 [0.750] 0+0 [1.375] 0+0 [2.000] 0+0 [2.500]
10 YEAR
3.625%
3.750%
3.875%
4.000%
0 + 0.375
0+0 [0.250] 0+0 [0.625] 0+0 [0.875] 0+0 [1.500]
0 + 0.125
0+0 [0.500] 0+0 [0.875] 0+0 [1.125] 0+0 [1.750]
3.500%
3.625%
3.750% 3.875%
$70,000+
1 + 0.500
0 + 0.750
$70,000+
1 + 0.375
0 + 0.750
$100,000+
1 + 0.250
0 + 0.500
0+0 [0.125] 0+0 [0.750] 0+0 [1.125] 0+0 [1.375] 0+0 [2.000]
$100,000+
1 + 0.125
0 + 0.500
0+0 [0.125] 0+0 [0.625] 0+0 [1.000] 0+0 [1.500] 0+0 [1.875]
$150,000+
1 + 0.125
0 + 0.375
0+0 [0.250] 0+0 [0.875] 0+0 [1.250] 0+0 [1.500] 0+0 [2.125]
$150,000+
0 + 1.000
0 + 0.375
0+0 [0.250] 0+0 [0.750] 0+0 [1.125] 0+0 [1.625] 0+0 [2.000]
$200,000+
0 + 1.000
0 + 0.250
0+0 [0.375] 0+0 [1.000] 0+0 [1.375] 0+0 [1.625] 0+0 [2.250]
$200,000+
0 + 0.875
0 + 0.250
0+0 [0.375] 0+0 [0.875] 0+0 [1.250] 0+0 [1.750] 0+0 [2.125]

FICO
LTV %
FICO RANGE
< 60
60.01 - 75
75.01 - 80
80.01 - 85
LTV %
MAX CLTV %
< 720
720
740
- 1/4
- 1/4
- 1/2
- 5/8
65
> 80 - 95
- 1/2
- 1/4
720 - 739
- 1/4
-1
- 1 1/4
-2
> 65 - 75
> 80 - 95
- 3/4
- 1/2
700 - 719
- 1/4
- 1 1/8
- 1 1/4
-2
> 75 - 80
> 76 - 90
-1
- 3/4
680 - 699
- 1/4
- 1 1/8
- 1 7/8
-3
> 75 - 80
> 90 - 95
-1
- 3/4
660 - 679
- 1 1/2
- 1 1/4
- 2 1/2
- 3 1/2
> 80 - 90
> 81 - 95
-1
- 3/4
640 - 659
-2
- 1 3/4
- 3 1/4
-4
> 90 - 95
> 90 - 95
- 1/2
- 1/4

FICO
LTV %
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
+ 1/4
- 1/4
- 1/4
- 1/4
- 1/4
- 2 3/4
720 - 739
+ 1/4
- 1/4
- 1/2
- 1/2
- 1/2
- 1/2
-3
700 - 719
+ 1/4
- 1/2
- 3/4
-1
-1
-1
-1
- 3 1/2
680 - 699
- 1/2
-2
- 1 3/4
- 1 1/2
- 1 1/4
- 1 1/4
- 3 1/2
660 - 679
-1
-2
- 2 1/2
- 2 3/4
- 2 1/4
- 2 1/4
- 4 1/4
640 - 659
- 1/2
- 1 1/4
- 2 1/2
-3
- 3 1/4
- 2 3/4
- 2 3/4
- 4 3/4
620 - 639
- 3/4
- 1 1/2
-3
-3
- 3 1/4
- 3 1/4
- 3 1/4
- 5 1/2
FIXED RATE
30/20 YR FIXED
RATE
4.000%
4.125%
4.250%
4.375%
4.500%
60-DAY
1 + 1.250
1 + 0.750
1 + 0.250
0 + 0.750
0 + 0.250
15 YR FIXED
RATE
3.750%
3.875%
4.000%
4.125%
4.250%
60-DAY
1 + 0.500
1 + 0.125
0 + 0.750
0 + 0.375
0+0
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
640 - 679
680 - 719
720
- 0.500
0.000
3.375%
3.500%
+ 0.250
620 - 639
- 1.500
30 YEAR
3.250%
VA FICO
15 YEAR
3.625%
3.750%
3.875% 4.000%
$40,000+
1 + 1.000
1 + 0.500
0 + 1.000
0 + 0.625
0+0 [0.500] 0+0 [1.000] 0+0 [1.500]
2.750%
2.875%
3.000%
3.125%
$40,000+
1 + 0.875
1 + 0.500
0 + 1.000
0 + 0.750
0+0 [0.375] 0+0 [0.750] 0+0 [1.125]
3.250%
3.375%
3.500%
$70,000+
1 + 0.750
1 + 0.250
0 + 0.750
0 + 0.375
0+0 [0.750] 0+0 [1.250] 0+0 [1.750]
$70,000+
1 + 0.625
1 + 0.250
0 + 0.750
0 + 0.500
0+0 [0.625] 0+0 [1.000] 0+0 [1.375]
$100,000+
1 + 0.500
0 + 1.000
0 + 0.500
0 + 0.125
0+0 [1.000] 0+0 [1.500] 0+0 [2.000]
$100,000+
1 + 0.375
0 + 1.000
0 + 0.500
0 + 0.250
0+0 [0.875] 0+0 [1.250] 0+0 [1.625]
$150,000+
1 + 0.375
0 + 0.875
0 + 0.375
0+0
0+0 [1.125] 0+0 [1.625] 0+0 [2.125]
$150,000+
1 + 0.250
0 + 0.875
0 + 0.375
0 + 0.125
0+0 [1.000] 0+0 [1.375] 0+0 [1.750]
$200,000+
1 + 0.250
0 + 0.750
0 + 0.250
0+0 [0.125] 0+0 [1.250] 0+0 [1.750] 0+0 [2.250]
$200,000+
1 + 0.125
0 + 0.750
0 + 0.250
0+0
0+0 [1.125] 0+0 [1.500] 0+0 [1.875]
3.625%
3.750%
3.875%
4.000%
$40,000+
1 + 1.125
1 + 0.375
0 + 0.750
0 + 0.125
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
3.875%
4.000%
4.125%
20 YEAR
4.250%
4.375%
4.500% 4.625%
$40,000+
1 + 1.125
1 + 0.375
0 + 0.500
0+0 [0.250] 0+0 [0.875] 0+0 [1.250] 0+0 [2.000]
4.125%
4.250%
4.375%
0+0 [0.625] 0+0 [1.125] 0+0 [1.625]
$70,000+
1 + 0.875
1 + 0.125
0 + 0.250
0+0 [0.500] 0+0 [1.125] 0+0 [1.500] 0+0 [2.250]
$70,000+
1 + 0.875
1 + 0.125
0 + 0.500
0+0 [0.125] 0+0 [0.875] 0+0 [1.375] 0+0 [1.875]
$100,000+
1 + 0.625
0 + 0.875
0+0
0+0 [0.750] 0+0 [1.375] 0+0 [1.750] 0+0 [2.500]
$100,000+
1 + 0.625
0 + 0.875
0 + 0.250
0+0 [0.375] 0+0 [1.125] 0+0 [1.625] 0+0 [2.125]
$150,000+
1 + 0.500
0 + 0.750
0+0 [0.125] 0+0 [0.875] 0+0 [1.500] 0+0 [1.875] 0+0 [2.625]
$150,000+
1 + 0.500
0 + 0.750
0 + 0.125
0+0 [0.500] 0+0 [1.250] 0+0 [1.750] 0+0 [2.250]
$200,000+
1 + 0.375
0 + 0.625
0+0 [0.250] 0+0 [1.000] 0+0 [1.625] 0+0 [2.000] 0+0 [2.750]
$200,000+
1 + 0.375
0 + 0.625
0+0
0+0 [0.625] 0+0 [1.375] 0+0 [1.875] 0+0 [2.375]
3.125%
3.250%
3.375%
$40,000+
1 + 0.625
0 + 1.000
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.000] 0+0 [1.375]
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.250] 0+0 [1.625]
15 YEAR
3.250%
3.375%
$40,000+
1 + 0.750
1 + 0.125
3.500%
10 YEAR
3.625%
3.750%
3.875%
4.000%
0 + 0.375
0+0 [0.125] 0+0 [0.500] 0+0 [0.875] 0+0 [1.375]
0 + 0.125
0+0 [0.375] 0+0 [0.750] 0+0 [1.125] 0+0 [1.625]
3.500%
3.625%
3.750% 3.875%
$70,000+
1 + 0.500
0 + 0.875
$70,000+
1 + 0.375
0 + 0.750
$100,000+
1 + 0.250
0 + 0.625
0+0 [0.125] 0+0 [0.625] 0+0 [1.000] 0+0 [1.375] 0+0 [1.875]
$100,000+
1 + 0.125
0 + 0.500
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.500] 0+0 [1.875]
$150,000+
1 + 0.125
0 + 0.500
0+0 [0.250] 0+0 [0.750] 0+0 [1.125] 0+0 [1.500] 0+0 [2.000]
$150,000+
0 + 1.000
0 + 0.375
0+0 [0.250] 0+0 [0.750] 0+0 [1.250] 0+0 [1.625] 0+0 [2.000]
$200,000+
0 + 1.000
0 + 0.375
0+0 [0.375] 0+0 [0.875] 0+0 [1.250] 0+0 [1.625] 0+0 [2.125]
$200,000+
0 + 0.875
0 + 0.250
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [1.750] 0+0 [2.125]

FICO
LTV %
FICO RANGE
< 60
60.01 - 75
75.01 - 80
80.01 - 85
LTV %
MAX CLTV %
< 720
720
740
- 1/4
- 1/4
- 1/2
- 5/8
65
> 80 - 95
- 1/2
- 1/4
720 - 739
- 1/4
-1
- 1 1/4
-2
> 65 - 75
> 80 - 95
- 3/4
- 1/2
700 - 719
- 1/4
- 1 1/8
- 1 1/4
-2
> 75 - 80
> 76 - 90
-1
- 3/4
680 - 699
- 1/4
- 1 1/8
- 1 7/8
-3
> 75 - 80
> 90 - 95
-1
- 3/4
660 - 679
- 1 1/2
- 1 1/4
- 2 1/2
- 3 1/2
> 80 - 90
> 81 - 95
-1
- 3/4
640 - 659
-2
- 1 3/4
- 3 1/4
-4
> 90 - 95
> 90 - 95
- 1/2
- 1/4

FICO
LTV %
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
+ 1/4
- 1/4
- 1/4
- 1/4
- 1/4
- 2 3/4
720 - 739
+ 1/4
- 1/4
- 1/2
- 1/2
- 1/2
- 1/2
-3
700 - 719
+ 1/4
- 1/2
- 3/4
-1
-1
-1
-1
- 3 1/2
680 - 699
- 1/2
-2
- 1 3/4
- 1 1/2
- 1 1/4
- 1 1/4
- 3 1/2
660 - 679
-1
-2
- 2 1/2
- 2 3/4
- 2 1/4
- 2 1/4
- 4 1/4
640 - 659
- 1/2
- 1 1/4
- 2 1/2
-3
- 3 1/4
- 2 3/4
- 2 3/4
- 4 3/4
620 - 639
- 3/4
- 1 1/2
-3
-3
- 3 1/4
- 3 1/4
- 3 1/4
- 5 1/2
FIXED RATE
30/20 YR FIXED
RATE
4.000%
4.125%
4.250%
4.375%
4.500%
60-DAY
1 + 1.125
1 + 0.625
1 + 0.125
0 + 0.625
0 + 0.125
15 YR FIXED
RATE
3.625%
3.750%
3.875%
4.000%
4.125%
60-DAY
1 + 0.625
1 + 0.250
0 + 0.875
0 + 0.500
0 + 0.125
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
640 - 679
680 - 719
720
- 0.500
0.000
3.375%
3.500%
+ 0.250
620 - 639
- 1.500
30 YEAR
3.250%
VA FICO
15 YEAR
3.625%
3.750%
3.875% 4.000%
$40,000+
1 + 1.000
1 + 0.375
0 + 0.875
0 + 0.625
0+0 [0.625] 0+0 [1.250] 0+0 [1.750]
2.750%
2.875%
3.000%
3.125%
$40,000+
1 + 0.750
1 + 0.250
0 + 0.875
0 + 0.500
0+0 [0.375] 0+0 [0.875] 0+0 [1.250]
3.250%
3.375%
3.500%
$70,000+
1 + 0.750
1 + 0.125
0 + 0.625
0 + 0.375
0+0 [0.875] 0+0 [1.500] 0+0 [2.000]
$70,000+
1 + 0.500
0 + 1.000
0 + 0.625
0 + 0.250
0+0 [0.625] 0+0 [1.125] 0+0 [1.500]
$100,000+
1 + 0.500
0 + 0.875
0 + 0.375
0 + 0.125
0+0 [1.125] 0+0 [1.750] 0+0 [2.250]
$100,000+
1 + 0.250
0 + 0.750
0 + 0.375
0+0
0+0 [0.875] 0+0 [1.375] 0+0 [1.750]
$150,000+
1 + 0.375
0 + 0.750
0 + 0.250
0+0
0+0 [1.250] 0+0 [1.875] 0+0 [2.375]
$150,000+
1 + 0.125
0 + 0.625
0 + 0.250
0+0 [0.125] 0+0 [1.000] 0+0 [1.500] 0+0 [1.875]
$200,000+
1 + 0.250
0 + 0.625
0 + 0.125
0+0 [0.125] 0+0 [1.375] 0+0 [2.000] 0+0 [2.500]
$200,000+
0 + 1.000
0 + 0.500
0 + 0.125
0+0 [0.250] 0+0 [1.125] 0+0 [1.625] 0+0 [2.000]
3.625%
3.750%
3.875%
$40,000+
1 + 0.625
0 + 0.875
0 + 0.750
0+0 [0.250] 0+0 [1.000] 0+0 [1.500] 0+0 [2.000]
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
3.875%
4.000%
4.125%
20 YEAR
4.250%
4.375%
4.500% 4.625%
$40,000+
1 + 0.375
0 + 0.500
0+0 [0.250] 0+0 [0.875] 0+0 [1.375] 0+0 [1.875] 0+0 [2.125]
4.000%
4.125%
4.250%
4.375%
$70,000+
1 + 0.125
0 + 0.250
0+0 [0.500] 0+0 [1.125] 0+0 [1.625] 0+0 [2.125] 0+0 [2.375]
$70,000+
1 + 0.375
0 + 0.625
0 + 0.500
0+0 [0.500] 0+0 [1.250] 0+0 [1.750] 0+0 [2.250]
$100,000+
0 + 0.875
0+0
0+0 [0.750] 0+0 [1.375] 0+0 [1.875] 0+0 [2.375] 0+0 [2.625]
$100,000+
1 + 0.125
0 + 0.375
0 + 0.250
0+0 [0.750] 0+0 [1.500] 0+0 [2.000] 0+0 [2.500]
$150,000+
0 + 0.750
0+0 [0.125] 0+0 [0.875] 0+0 [1.500] 0+0 [2.000] 0+0 [2.500] 0+0 [2.750]
$150,000+
0 + 1.000
0 + 0.250
0 + 0.125
0+0 [0.875] 0+0 [1.625] 0+0 [2.125] 0+0 [2.625]
$200,000+
0 + 0.625
0+0 [0.250] 0+0 [1.000] 0+0 [1.625] 0+0 [2.125] 0+0 [2.625] 0+0 [2.875]
$200,000+
0 + 0.875
0 + 0.125
0+0
0+0 [1.000] 0+0 [1.750] 0+0 [2.250] 0+0 [2.750]
3.000%
3.125%
3.250%
3.375%
$40,000+
1 + 0.875
1 + 0.375
0 + 0.750
0 + 0.125
15 YEAR
3.125%
3.250%
3.375%
10 YEAR
3.500%
3.625%
3.750%
3.875%
$40,000+
1 + 0.625
1 + 0.125
0 + 0.500
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.375]
3.500%
3.625% 3.750%
0+0 [0.375] 0+0 [0.750] 0+0 [1.125]
$70,000+
1 + 0.375
0 + 0.875
0 + 0.250
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [1.625]
$70,000+
1 + 0.625
1 + 0.125
0 + 0.500
0+0 [0.125] 0+0 [0.625] 0+0 [1.000] 0+0 [1.375]
$100,000+
1 + 0.125
0 + 0.625
0+0
0+0 [0.625] 0+0 [1.125] 0+0 [1.625] 0+0 [1.875]
$100,000+
1 + 0.375
0 + 0.875
0 + 0.250
0+0 [0.375] 0+0 [0.875] 0+0 [1.250] 0+0 [1.625]
$150,000+
0 + 1.000
0 + 0.500
0+0 [0.125] 0+0 [0.750] 0+0 [1.250] 0+0 [1.750] 0+0 [2.000]
$150,000+
1 + 0.250
0 + 0.750
0 + 0.125
0+0 [0.500] 0+0 [1.000] 0+0 [1.375] 0+0 [1.750]
$200,000+
0 + 0.875
0 + 0.375
0+0 [0.250] 0+0 [0.875] 0+0 [1.375] 0+0 [1.875] 0+0 [2.125]
$200,000+
1 + 0.125
0 + 0.625
0+0
0+0 [0.625] 0+0 [1.125] 0+0 [1.500] 0+0 [1.875]

FICO
LTV %
FICO RANGE
< 60
60.01 - 75
75.01 - 80
80.01 - 85
LTV %
MAX CLTV %
< 720
720
740
- 1/4
- 1/4
- 1/2
- 5/8
65
> 80 - 95
- 1/2
- 1/4
720 - 739
- 1/4
-1
- 1 1/4
-2
> 65 - 75
> 80 - 95
- 3/4
- 1/2
700 - 719
- 1/4
- 1 1/8
- 1 1/4
-2
> 75 - 80
> 76 - 90
-1
- 3/4
680 - 699
- 1/4
- 1 1/8
- 1 7/8
-3
> 75 - 80
> 90 - 95
-1
- 3/4
660 - 679
- 1 1/2
- 1 1/4
- 2 1/2
- 3 1/2
> 80 - 90
> 81 - 95
-1
- 3/4
640 - 659
-2
- 1 3/4
- 3 1/4
-4
> 90 - 95
> 90 - 95
- 1/2
- 1/4

FICO
LTV %
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
+ 1/4
- 1/4
- 1/4
- 1/4
- 1/4
- 2 3/4
720 - 739
+ 1/4
- 1/4
- 1/2
- 1/2
- 1/2
- 1/2
-3
700 - 719
+ 1/4
- 1/2
- 3/4
-1
-1
-1
-1
- 3 1/2
680 - 699
- 1/2
-2
- 1 3/4
- 1 1/2
- 1 1/4
- 1 1/4
- 3 1/2
660 - 679
-1
-2
- 2 1/2
- 2 3/4
- 2 1/4
- 2 1/4
- 4 1/4
640 - 659
- 1/2
- 1 1/4
- 2 1/2
-3
- 3 1/4
- 2 3/4
- 2 3/4
- 4 3/4
620 - 639
- 3/4
- 1 1/2
-3
-3
- 3 1/4
- 3 1/4
- 3 1/4
- 5 1/2
FIXED RATE
30/20 YR FIXED
RATE
4.000%
4.125%
4.250%
4.375%
4.500%
60-DAY
1 + 1.000
1 + 0.500
0 + 1.000
0 + 0.500
0+0
15 YR FIXED
RATE
3.625%
3.750%
3.875%
4.000%
4.125%
60-DAY
1 + 0.625
1 + 0.250
0 + 0.875
0 + 0.500
0 + 0.125
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
640 - 679
680 - 719
720
- 0.500
0.000
3.375%
3.500%
$40,000+
1 + 0.875
1 + 0.375
0 + 0.750
+ 0.250
620 - 639
- 1.500
30 YEAR
3.250%
VA FICO
15 YEAR
3.625%
3.750%
3.875% 4.000%
0 + 0.250
0+0 [0.750] 0+0 [1.250] 0+0 [1.750]
0+0
0+0 [1.000] 0+0 [1.500] 0+0 [2.000]
2.750%
2.875%
3.000%
3.125%
$40,000+
1 + 0.875
1 + 0.375
0 + 0.875
0 + 0.375
0+0 [0.250] 0+0 [0.750] 0+0 [1.250]
3.250%
3.375%
3.500%
0 + 0.125
0+0 [0.500] 0+0 [1.000] 0+0 [1.500]
$70,000+
1 + 0.625
1 + 0.125
0 + 0.500
$70,000+
1 + 0.625
1 + 0.125
0 + 0.625
$100,000+
1 + 0.375
0 + 0.875
0 + 0.250
0+0 [0.250] 0+0 [1.250] 0+0 [1.750] 0+0 [2.250]
$100,000+
1 + 0.375
0 + 0.875
0 + 0.375
0+0 [0.125] 0+0 [0.750] 0+0 [1.250] 0+0 [1.750]
$150,000+
1 + 0.250
0 + 0.750
0 + 0.125
0+0 [0.375] 0+0 [1.375] 0+0 [1.875] 0+0 [2.375]
$150,000+
1 + 0.250
0 + 0.750
0 + 0.250
0+0 [0.250] 0+0 [0.875] 0+0 [1.375] 0+0 [1.875]
$200,000+
1 + 0.125
0 + 0.625
0+0
0+0 [0.500] 0+0 [1.500] 0+0 [2.000] 0+0 [2.500]
$200,000+
1 + 0.125
0 + 0.625
0 + 0.125
0+0 [0.375] 0+0 [1.000] 0+0 [1.500] 0+0 [2.000]
3.625%
3.750%
3.875%
$40,000+
1 + 0.625
0 + 0.875
0 + 0.250
0+0 [0.375] 0+0 [1.000] 0+0 [1.500] 0+0 [2.125]
0+0
0+0 [0.625] 0+0 [1.250] 0+0 [1.750] 0+0 [2.375]
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
3.875%
4.000%
$40,000+
1 + 0.750
1 + 0.125
4.125%
20 YEAR
4.250%
4.375%
4.500% 4.625%
0 + 0.250
0+0 [0.625] 0+0 [1.125] 0+0 [1.500] 0+0 [2.125]
0+0
0+0 [0.875] 0+0 [1.375] 0+0 [1.750] 0+0 [2.375]
4.000%
4.125%
4.250%
4.375%
$70,000+
1 + 0.500
0 + 0.875
$70,000+
1 + 0.375
0 + 0.625
$100,000+
1 + 0.250
0 + 0.625
0+0 [0.250] 0+0 [1.125] 0+0 [1.625] 0+0 [2.000] 0+0 [2.625]
$100,000+
1 + 0.125
0 + 0.375
0+0 [0.250] 0+0 [0.875] 0+0 [1.500] 0+0 [2.000] 0+0 [2.625]
$150,000+
1 + 0.125
0 + 0.500
0+0 [0.375] 0+0 [1.250] 0+0 [1.750] 0+0 [2.125] 0+0 [2.750]
$150,000+
0 + 1.000
0 + 0.250
0+0 [0.375] 0+0 [1.000] 0+0 [1.625] 0+0 [2.125] 0+0 [2.750]
$200,000+
0 + 1.000
0 + 0.375
0+0 [0.500] 0+0 [1.375] 0+0 [1.875] 0+0 [2.250] 0+0 [2.875]
$200,000+
0 + 0.875
0 + 0.125
0+0 [0.500] 0+0 [1.125] 0+0 [1.750] 0+0 [2.250] 0+0 [2.875]
3.000%
3.125%
3.250%
3.375%
$40,000+
1 + 0.750
1 + 0.250
0 + 0.750
0 + 0.125
15 YEAR
3.125%
3.250%
3.375%
10 YEAR
3.500%
3.625%
3.750%
3.875%
$40,000+
1 + 0.625
1 + 0.125
0 + 0.500
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.375]
3.500%
3.625% 3.750%
0+0 [0.375] 0+0 [0.750] 0+0 [1.125]
$70,000+
1 + 0.375
0 + 0.875
0 + 0.250
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [1.625]
$70,000+
1 + 0.500
0 + 1.000
0 + 0.500
0+0 [0.125] 0+0 [0.625] 0+0 [1.000] 0+0 [1.375]
$100,000+
1 + 0.125
0 + 0.625
0+0
0+0 [0.625] 0+0 [1.125] 0+0 [1.625] 0+0 [1.875]
$100,000+
1 + 0.250
0 + 0.750
0 + 0.250
0+0 [0.375] 0+0 [0.875] 0+0 [1.250] 0+0 [1.625]
$150,000+
0 + 1.000
0 + 0.500
0+0 [0.125] 0+0 [0.750] 0+0 [1.250] 0+0 [1.750] 0+0 [2.000]
$150,000+
1 + 0.125
0 + 0.625
0 + 0.125
0+0 [0.500] 0+0 [1.000] 0+0 [1.375] 0+0 [1.750]
$200,000+
0 + 0.875
0 + 0.375
0+0 [0.250] 0+0 [0.875] 0+0 [1.375] 0+0 [1.875] 0+0 [2.125]
$200,000+
0 + 1.000
0 + 0.500
0+0
0+0 [0.625] 0+0 [1.125] 0+0 [1.500] 0+0 [1.875]

FICO
LTV %
FICO RANGE
< 60
60.01 - 75
75.01 - 80
80.01 - 85
LTV %
MAX CLTV %
< 720
720
740
- 1/4
- 1/4
- 1/2
- 5/8
65
> 80 - 95
- 1/2
- 1/4
720 - 739
- 1/4
-1
- 1 1/4
-2
> 65 - 75
> 80 - 95
- 3/4
- 1/2
700 - 719
- 1/4
- 1 1/8
- 1 1/4
-2
> 75 - 80
> 76 - 90
-1
- 3/4
680 - 699
- 1/4
- 1 1/8
- 1 7/8
-3
> 75 - 80
> 90 - 95
-1
- 3/4
660 - 679
- 1 1/2
- 1 1/4
- 2 1/2
- 3 1/2
> 80 - 90
> 81 - 95
-1
- 3/4
640 - 659
-2
- 1 3/4
- 3 1/4
-4
> 90 - 95
> 90 - 95
- 1/2
- 1/4

FICO
LTV %
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
+ 1/4
- 1/4
- 1/4
- 1/4
- 1/4
- 2 3/4
720 - 739
+ 1/4
- 1/4
- 1/2
- 1/2
- 1/2
- 1/2
-3
700 - 719
+ 1/4
- 1/2
- 3/4
-1
-1
-1
-1
- 3 1/2
680 - 699
- 1/2
-2
- 1 3/4
- 1 1/2
- 1 1/4
- 1 1/4
- 3 1/2
660 - 679
-1
-2
- 2 1/2
- 2 3/4
- 2 1/4
- 2 1/4
- 4 1/4
640 - 659
- 1/2
- 1 1/4
- 2 1/2
-3
- 3 1/4
- 2 3/4
- 2 3/4
- 4 3/4
620 - 639
- 3/4
- 1 1/2
-3
-3
- 3 1/4
- 3 1/4
- 3 1/4
- 5 1/2
FIXED RATE
30/20 YR FIXED
RATE
4.000%
4.125%
4.250%
4.375%
4.500%
60-DAY
1 + 1.000
1 + 0.500
0 + 1.000
0 + 0.500
0+0
15 YR FIXED
RATE
3.625%
3.750%
3.875%
4.000%
4.125%
60-DAY
1 + 0.625
1 + 0.250
0 + 0.875
0 + 0.500
0 + 0.125
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
640 - 679
680 - 719
720
- 0.500
0.000
3.375%
3.500%
$40,000+
1 + 0.625
1 + 0.125
0 + 0.500
+ 0.250
620 - 639
- 1.500
30 YEAR
3.250%
VA FICO
15 YEAR
3.625%
3.750%
0+0
3.875% 4.000%
0+0 [1.000] 0+0 [1.500] 0+0 [2.000]
2.750%
2.875%
3.000%
3.125%
$40,000+
1 + 0.875
1 + 0.375
0 + 0.750
0 + 0.375
0+0 [0.375] 0+0 [0.875] 0+0 [1.375]
3.250%
3.375%
3.500%
0 + 0.125
0+0 [0.625] 0+0 [1.125] 0+0 [1.625]
$70,000+
1 + 0.375
0 + 0.875
0 + 0.250
0+0 [0.250] 0+0 [1.250] 0+0 [1.750] 0+0 [2.250]
$70,000+
1 + 0.625
1 + 0.125
0 + 0.500
$100,000+
1 + 0.125
0 + 0.625
0+0
0+0 [0.500] 0+0 [1.500] 0+0 [2.000] 0+0 [2.500]
$100,000+
1 + 0.375
0 + 0.875
0 + 0.250
0+0 [0.125] 0+0 [0.875] 0+0 [1.375] 0+0 [1.875]
$150,000+
0 + 1.000
0 + 0.500
0+0 [0.125] 0+0 [0.625] 0+0 [1.625] 0+0 [2.125] 0+0 [2.625]
$150,000+
1 + 0.250
0 + 0.750
0 + 0.125
0+0 [0.250] 0+0 [1.000] 0+0 [1.500] 0+0 [2.000]
$200,000+
0 + 0.875
0 + 0.375
0+0 [0.250] 0+0 [0.750] 0+0 [1.750] 0+0 [2.250] 0+0 [2.750]
$200,000+
1 + 0.125
0 + 0.625
0+0
0+0 [0.375] 0+0 [1.125] 0+0 [1.625] 0+0 [2.125]
3.500%
3.625%
3.750%
3.875%
$40,000+
1 + 1.250
1 + 0.500
0 + 0.625
0 + 0.125
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
3.875%
4.000%
$40,000+
1 + 0.750
0 + 1.000
4.125%
0 + 0.125
20 YEAR
4.250%
4.375%
4.500% 4.625%
0+0 [0.625] 0+0 [1.125] 0+0 [1.625] 0+0 [2.250]
4.000%
4.125%
4.250%
0+0 [0.500] 0+0 [1.125] 0+0 [1.750]
$70,000+
1 + 0.500
0 + 0.750
0+0 [0.125] 0+0 [0.875] 0+0 [1.375] 0+0 [1.875] 0+0 [2.500]
$70,000+
1 + 1.000
1 + 0.250
0 + 0.375
0+0 [0.125] 0+0 [0.750] 0+0 [1.375] 0+0 [2.000]
$100,000+
1 + 0.250
0 + 0.500
0+0 [0.375] 0+0 [1.125] 0+0 [1.625] 0+0 [2.125] 0+0 [2.750]
$100,000+
1 + 0.750
0 + 1.000
0 + 0.125
0+0 [0.375] 0+0 [1.000] 0+0 [1.625] 0+0 [2.250]
$150,000+
1 + 0.125
0 + 0.375
0+0 [0.500] 0+0 [1.250] 0+0 [1.750] 0+0 [2.250] 0+0 [2.875]
$150,000+
1 + 0.625
0 + 0.875
0+0
0+0 [0.500] 0+0 [1.125] 0+0 [1.750] 0+0 [2.375]
$200,000+
0 + 1.000
0 + 0.250
0+0 [0.625] 0+0 [1.375] 0+0 [1.875] 0+0 [2.375] 0+0 [3.000]
$200,000+
1 + 0.500
0 + 0.750
3.000%
3.125%
3.250%
3.375%
$40,000+
1 + 0.750
1 + 0.250
0 + 0.625
0 + 0.125
15 YEAR
3.000%
3.125%
3.250%
$40,000+
1 + 1.125
1 + 0.500
0 + 1.000
0+0 [0.125] 0+0 [0.625] 0+0 [1.250] 0+0 [1.875] 0+0 [2.500]
10 YEAR
3.375%
3.500%
3.625%
3.750%
0 + 0.375
0+0 [0.250] 0+0 [0.750] 0+0 [1.250]
0 + 0.125
0+0 [0.500] 0+0 [1.000] 0+0 [1.500]
3.500%
3.625% 3.750%
0+0 [0.375] 0+0 [0.875] 0+0 [1.250]
$70,000+
1 + 0.875
1 + 0.250
0 + 0.750
$70,000+
1 + 0.500
0 + 1.000
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.500]
$100,000+
1 + 0.625
0 + 1.000
0 + 0.500
0+0 [0.125] 0+0 [0.750] 0+0 [1.250] 0+0 [1.750]
$100,000+
1 + 0.250
0 + 0.750
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [1.750]
$150,000+
1 + 0.500
0 + 0.875
0 + 0.375
0+0 [0.250] 0+0 [0.875] 0+0 [1.375] 0+0 [1.875]
$150,000+
1 + 0.125
0 + 0.625
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.500] 0+0 [1.875]
$200,000+
1 + 0.375
0 + 0.750
0 + 0.250
0+0 [0.375] 0+0 [1.000] 0+0 [1.500] 0+0 [2.000]
$200,000+
0 + 1.000
0 + 0.500

FICO
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.625] 0+0 [2.000]
LTV %
FICO RANGE
< 60
60.01 - 75
75.01 - 80
80.01 - 85
LTV %
MAX CLTV %
< 720
720
740
- 1/4
- 1/4
- 1/2
- 5/8
65
> 80 - 95
- 1/2
- 1/4
720 - 739
- 1/4
-1
- 1 1/4
-2
> 65 - 75
> 80 - 95
- 3/4
- 1/2
700 - 719
- 1/4
- 1 1/8
- 1 1/4
-2
> 75 - 80
> 76 - 90
-1
- 3/4
680 - 699
- 1/4
- 1 1/8
- 1 7/8
-3
> 75 - 80
> 90 - 95
-1
- 3/4
660 - 679
- 1 1/2
- 1 1/4
- 2 1/2
- 3 1/2
> 80 - 90
> 81 - 95
-1
- 3/4
640 - 659
-2
- 1 3/4
- 3 1/4
-4
> 90 - 95
> 90 - 95
- 1/2
- 1/4

FICO
LTV %
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
+ 1/4
- 1/4
- 1/4
- 1/4
- 1/4
- 2 3/4
720 - 739
+ 1/4
- 1/4
- 1/2
- 1/2
- 1/2
- 1/2
-3
700 - 719
+ 1/4
- 1/2
- 3/4
-1
-1
-1
-1
- 3 1/2
680 - 699
- 1/2
-2
- 1 3/4
- 1 1/2
- 1 1/4
- 1 1/4
- 3 1/2
660 - 679
-1
-2
- 2 1/2
- 2 3/4
- 2 1/4
- 2 1/4
- 4 1/4
640 - 659
- 1/2
- 1 1/4
- 2 1/2
-3
- 3 1/4
- 2 3/4
- 2 3/4
- 4 3/4
620 - 639
- 3/4
- 1 1/2
-3
-3
- 3 1/4
- 3 1/4
- 3 1/4
- 5 1/2
FIXED RATE
30/20 YR FIXED
RATE
4.000%
4.125%
4.250%
4.375%
4.500%
60-DAY
1 + 1.000
1 + 0.500
0 + 1.000
0 + 0.500
0+0
15 YR FIXED
RATE
3.625%
3.750%
3.875%
4.000%
4.125%
60-DAY
1 + 0.625
1 + 0.250
0 + 0.875
0 + 0.500
0 + 0.125
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
Tuesday, June 2, 2015
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
640 - 679
680 - 719
720
- 0.500
0.000
3.500%
3.625%
+ 0.250
620 - 639
- 1.500
30 YEAR
3.375%
VA FICO
15 YEAR
3.750%
3.875%
4.000% 4.125%
$40,000+
1 + 0.625
1 + 0.125
0 + 0.625
0+0 [0.250] 0+0 [0.875] 0+0 [1.375] 0+0 [1.750]
2.875%
3.000%
3.125%
3.250%
$40,000+
1 + 0.750
1 + 0.250
0 + 0.750
0 + 0.125
3.375%
3.500%
3.625%
0+0 [0.375] 0+0 [1.000] 0+0 [1.250]
$70,000+
1 + 0.375
0 + 0.875
0 + 0.375
0+0 [0.500] 0+0 [1.125] 0+0 [1.625] 0+0 [2.000]
$70,000+
1 + 0.500
0 + 1.000
0 + 0.500
0+0 [0.125] 0+0 [0.625] 0+0 [1.250] 0+0 [1.500]
$100,000+
1 + 0.125
0 + 0.625
0 + 0.125
0+0 [0.750] 0+0 [1.375] 0+0 [1.875] 0+0 [2.250]
$100,000+
1 + 0.250
0 + 0.750
0 + 0.250
0+0 [0.375] 0+0 [0.875] 0+0 [1.500] 0+0 [1.750]
$150,000+
0 + 1.000
0 + 0.500
0+0
0+0 [0.875] 0+0 [1.500] 0+0 [2.000] 0+0 [2.375]
$150,000+
1 + 0.125
0 + 0.625
0 + 0.125
0+0 [0.500] 0+0 [1.000] 0+0 [1.625] 0+0 [1.875]
$200,000+
0 + 0.875
0 + 0.375
0+0 [0.125] 0+0 [1.000] 0+0 [1.625] 0+0 [2.125] 0+0 [2.500]
$200,000+
0 + 1.000
0 + 0.500
0+0
0+0 [0.625] 0+0 [1.125] 0+0 [1.750] 0+0 [2.000]
3.625%
3.750%
3.875%
4.000%
$40,000+
1 + 1.125
1 + 0.375
0 + 0.750
0 + 0.125
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
3.875%
4.000%
4.125%
20 YEAR
4.250%
4.375%
4.500% 4.625%
$40,000+
1 + 1.250
1 + 0.500
0 + 0.500
0+0 [0.250] 0+0 [0.750] 0+0 [1.250] 0+0 [1.875]
4.125%
4.250%
4.375%
0+0 [0.625] 0+0 [1.125] 0+0 [1.875]
$70,000+
1 + 1.000
1 + 0.250
0 + 0.250
0+0 [0.500] 0+0 [1.000] 0+0 [1.500] 0+0 [2.125]
$70,000+
1 + 0.875
1 + 0.125
0 + 0.500
0+0 [0.125] 0+0 [0.875] 0+0 [1.375] 0+0 [2.125]
$100,000+
1 + 0.750
0 + 1.000
0+0
0+0 [0.750] 0+0 [1.250] 0+0 [1.750] 0+0 [2.375]
$100,000+
1 + 0.625
0 + 0.875
0 + 0.250
0+0 [0.375] 0+0 [1.125] 0+0 [1.625] 0+0 [2.375]
$150,000+
1 + 0.625
0 + 0.875
0+0 [0.125] 0+0 [0.875] 0+0 [1.375] 0+0 [1.875] 0+0 [2.500]
$150,000+
1 + 0.500
0 + 0.750
0 + 0.125
0+0 [0.500] 0+0 [1.250] 0+0 [1.750] 0+0 [2.500]
$200,000+
1 + 0.500
0 + 0.750
0+0 [0.250] 0+0 [1.000] 0+0 [1.500] 0+0 [2.000] 0+0 [2.625]
$200,000+
1 + 0.375
0 + 0.625
0+0
0+0 [0.625] 0+0 [1.375] 0+0 [1.875] 0+0 [2.625]
3.000%
3.125%
3.250%
3.375%
$40,000+
1 + 1.000
1 + 0.500
0 + 0.875
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.000]
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.250]
15 YEAR
3.125%
3.250%
3.375%
$40,000+
1 + 0.750
1 + 0.250
0 + 0.625
10 YEAR
3.500%
3.625%
0+0
3.750%
3.875%
0+0 [0.500] 0+0 [1.000] 0+0 [1.375]
3.500%
3.625% 3.750%
$70,000+
1 + 0.500
0 + 1.000
0 + 0.375
0+0 [0.250] 0+0 [0.750] 0+0 [1.250] 0+0 [1.625]
$70,000+
1 + 0.750
1 + 0.250
0 + 0.625
$100,000+
1 + 0.250
0 + 0.750
0 + 0.125
0+0 [0.500] 0+0 [1.000] 0+0 [1.500] 0+0 [1.875]
$100,000+
1 + 0.500
0 + 1.000
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.500]
$150,000+
1 + 0.125
0 + 0.625
0+0
0+0 [0.625] 0+0 [1.125] 0+0 [1.625] 0+0 [2.000]
$150,000+
1 + 0.375
0 + 0.875
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.250] 0+0 [1.625]
$200,000+
0 + 1.000
0 + 0.500
0+0 [0.125] 0+0 [0.750] 0+0 [1.250] 0+0 [1.750] 0+0 [2.125]
$200,000+
1 + 0.250
0 + 0.750
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [1.750]

FICO
LTV %
FICO RANGE
< 60
60.01 - 75
75.01 - 80
80.01 - 85
LTV %
MAX CLTV %
< 720
720
740
- 1/4
- 1/4
- 1/2
- 5/8
65
> 80 - 95
- 1/2
- 1/4
720 - 739
- 1/4
-1
- 1 1/4
-2
> 65 - 75
> 80 - 95
- 3/4
- 1/2
700 - 719
- 1/4
- 1 1/8
- 1 1/4
-2
> 75 - 80
> 76 - 90
-1
- 3/4
680 - 699
- 1/4
- 1 1/8
- 1 7/8
-3
> 75 - 80
> 90 - 95
-1
- 3/4
660 - 679
- 1 1/2
- 1 1/4
- 2 1/2
- 3 1/2
> 80 - 90
> 81 - 95
-1
- 3/4
640 - 659
-2
- 1 3/4
- 3 1/4
-4
> 90 - 95
> 90 - 95
- 1/2
- 1/4

FICO
LTV %
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
+ 1/4
- 1/4
- 1/4
- 1/4
- 1/4
- 2 3/4
720 - 739
+ 1/4
- 1/4
- 1/2
- 1/2
- 1/2
- 1/2
-3
700 - 719
+ 1/4
- 1/2
- 3/4
-1
-1
-1
-1
- 3 1/2
680 - 699
- 1/2
-2
- 1 3/4
- 1 1/2
- 1 1/4
- 1 1/4
- 3 1/2
660 - 679
-1
-2
- 2 1/2
- 2 3/4
- 2 1/4
- 2 1/4
- 4 1/4
640 - 659
- 1/2
- 1 1/4
- 2 1/2
-3
- 3 1/4
- 2 3/4
- 2 3/4
- 4 3/4
620 - 639
- 3/4
- 1 1/2
-3
-3
- 3 1/4
- 3 1/4
- 3 1/4
- 5 1/2
FIXED RATE
30/20 YR FIXED
RATE
4.000%
4.125%
4.250%
4.375%
4.500%
60-DAY
1 + 1.250
1 + 0.750
1 + 0.250
0 + 0.750
0 + 0.250
15 YR FIXED
RATE
3.625%
3.750%
3.875%
4.000%
4.125%
60-DAY
1 + 0.750
1 + 0.375
0+0
0 + 0.625
0 + 0.250
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
Wednesday, June 3, 2015
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
640 - 679
680 - 719
720
- 0.500
0.000
3.500%
3.625%
$40,000+
1 + 1.000
1 + 0.500
0 + 1.000
+ 0.250
620 - 639
- 1.500
30 YEAR
3.375%
VA FICO
15 YEAR
3.750%
3.875%
0+0
4.000% 4.125%
0+0 [0.625] 0+0 [1.125] 0+0 [1.500]
2.875%
3.000%
3.125%
3.250%
$40,000+
1 + 0.875
1 + 0.375
0 + 1.000
0 + 0.250
0+0 [0.250] 0+0 [0.875] 0+0 [1.250]
3.375%
3.500%
3.625%
0+0
0+0 [0.500] 0+0 [1.125] 0+0 [1.500]
$70,000+
1 + 0.750
1 + 0.250
0 + 0.750
0+0 [0.250] 0+0 [0.875] 0+0 [1.375] 0+0 [1.750]
$70,000+
1 + 0.625
1 + 0.125
0 + 0.750
$100,000+
1 + 0.500
0 + 1.000
0 + 0.500
0+0 [0.500] 0+0 [1.125] 0+0 [1.625] 0+0 [2.000]
$100,000+
1 + 0.375
0 + 0.875
0 + 0.500
0+0 [0.250] 0+0 [0.750] 0+0 [1.375] 0+0 [1.750]
$150,000+
1 + 0.375
0 + 0.875
0 + 0.375
0+0 [0.625] 0+0 [1.250] 0+0 [1.750] 0+0 [2.125]
$150,000+
1 + 0.250
0 + 0.750
0 + 0.375
0+0 [0.375] 0+0 [0.875] 0+0 [1.500] 0+0 [1.875]
$200,000+
1 + 0.250
0 + 0.750
0 + 0.250
0+0 [0.750] 0+0 [1.375] 0+0 [1.875] 0+0 [2.250]
$200,000+
1 + 0.125
0 + 0.625
0 + 0.250
0+0 [0.500] 0+0 [1.000] 0+0 [1.625] 0+0 [2.000]
3.750%
3.875%
4.000%
$40,000+
1 + 0.750
1 + 0.125
0 + 0.375
0+0 [0.375] 0+0 [1.000] 0+0 [1.625] 0+0 [2.125]
0 + 0.125
0+0 [0.625] 0+0 [1.250] 0+0 [1.875] 0+0 [2.375]
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
4.000%
4.125%
$40,000+
1 + 1.125
1 + 0.125
4.250%
20 YEAR
4.375%
4.500%
4.625% 4.750%
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.625] 0+0 [2.250]
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.875] 0+0 [2.500]
4.125%
4.250%
4.375%
4.500%
$70,000+
1 + 0.875
0 + 0.875
$70,000+
1 + 0.500
0 + 0.875
$100,000+
1 + 0.625
0 + 0.625
0+0 [0.250] 0+0 [0.750] 0+0 [1.250] 0+0 [2.125] 0+0 [2.750]
$100,000+
1 + 0.250
0 + 0.625
0+0 [0.125] 0+0 [0.875] 0+0 [1.500] 0+0 [2.125] 0+0 [2.625]
$150,000+
1 + 0.500
0 + 0.500
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [2.250] 0+0 [2.875]
$150,000+
1 + 0.125
0 + 0.500
0+0 [0.250] 0+0 [1.000] 0+0 [1.625] 0+0 [2.250] 0+0 [2.750]
$200,000+
1 + 0.375
0 + 0.375
0+0 [0.500] 0+0 [1.000] 0+0 [1.500] 0+0 [2.375] 0+0 [3.000]
$200,000+
0 + 1.000
0 + 0.375
0+0 [0.375] 0+0 [1.125] 0+0 [1.750] 0+0 [2.375] 0+0 [2.875]
3.125%
3.250%
3.375%
3.500%
$40,000+
1 + 0.625
0 + 1.000
0 + 0.500
0+0
15 YEAR
3.125%
3.250%
3.375%
$40,000+
1 + 1.000
1 + 0.500
0 + 0.750
10 YEAR
3.500%
3.625%
0 + 0.125
3.750%
3.875%
0+0 [0.375] 0+0 [0.875] 0+0 [1.375]
3.625%
3.750% 3.875%
0+0 [0.500] 0+0 [0.875] 0+0 [1.250]
$70,000+
1 + 0.750
1 + 0.250
0 + 0.500
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.625]
$70,000+
1 + 0.375
0 + 0.750
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.125] 0+0 [1.500]
$100,000+
1 + 0.500
0 + 1.000
0 + 0.250
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [1.875]
$100,000+
1 + 0.125
0 + 0.500
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.375] 0+0 [1.750]
$150,000+
1 + 0.375
0 + 0.875
0 + 0.125
0+0 [0.500] 0+0 [1.000] 0+0 [1.500] 0+0 [2.000]
$150,000+
0 + 1.000
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.500] 0+0 [1.875]
$200,000+
1 + 0.250
0 + 0.750
0+0
0+0 [0.625] 0+0 [1.125] 0+0 [1.625] 0+0 [2.125]
$200,000+
0 + 0.875
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.250] 0+0 [1.625] 0+0 [2.000]

FICO
LTV %
FICO RANGE
< 60
60.01 - 75
75.01 - 80
80.01 - 85
LTV %
MAX CLTV %
< 720
720
740
- 1/4
- 1/4
- 1/2
- 5/8
65
> 80 - 95
- 1/2
- 1/4
720 - 739
- 1/4
-1
- 1 1/4
-2
> 65 - 75
> 80 - 95
- 3/4
- 1/2
700 - 719
- 1/4
- 1 1/8
- 1 1/4
-2
> 75 - 80
> 76 - 90
-1
- 3/4
680 - 699
- 1/4
- 1 1/8
- 1 7/8
-3
> 75 - 80
> 90 - 95
-1
- 3/4
660 - 679
- 1 1/2
- 1 1/4
- 2 1/2
- 3 1/2
> 80 - 90
> 81 - 95
-1
- 3/4
640 - 659
-2
- 1 3/4
- 3 1/4
-4
> 90 - 95
> 90 - 95
- 1/2
- 1/4

FICO
LTV %
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
+ 1/4
- 1/4
- 1/4
- 1/4
- 1/4
- 2 3/4
720 - 739
+ 1/4
- 1/4
- 1/2
- 1/2
- 1/2
- 1/2
-3
700 - 719
+ 1/4
- 1/2
- 3/4
-1
-1
-1
-1
- 3 1/2
680 - 699
- 1/2
-2
- 1 3/4
- 1 1/2
- 1 1/4
- 1 1/4
- 3 1/2
660 - 679
-1
-2
- 2 1/2
- 2 3/4
- 2 1/4
- 2 1/4
- 4 1/4
640 - 659
- 1/2
- 1 1/4
- 2 1/2
-3
- 3 1/4
- 2 3/4
- 2 3/4
- 4 3/4
620 - 639
- 3/4
- 1 1/2
-3
-3
- 3 1/4
- 3 1/4
- 3 1/4
- 5 1/2
FIXED RATE
30/20 YR FIXED
RATE
4.125%
4.250%
4.375%
4.500%
4.625%
60-DAY
1 + 1.125
1 + 0.625
1 + 0.125
0 + 0.625
0 + 0.125
15 YR FIXED
RATE
3.750%
3.875%
4.000%
4.125%
4.250%
60-DAY
1 + 0.625
1 + 0.250
0 + 0.875
0 + 0.500
0 + 0.125
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
Thursday, June 4, 2015
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
640 - 679
680 - 719
720
- 0.500
0.000
3.625%
$40,000+
1 + 0.750
1 + 0.250
3.750%
+ 0.250
620 - 639
- 1.500
30 YEAR
3.500%
VA FICO
15 YEAR
3.875%
4.000%
4.125% 4.250%
0 + 0.250
0+0 [0.250] 0+0 [0.875] 0+0 [1.250] 0+0 [1.500]
0+0
0+0 [0.500] 0+0 [1.125] 0+0 [1.500] 0+0 [1.750]
3.000%
3.125%
3.250%
3.375%
$40,000+
1 + 0.750
1 + 0.375
0 + 0.500
0+0
3.500%
3.625%
3.750%
0+0 [0.500] 0+0 [0.875] 0+0 [1.250]
$70,000+
1 + 0.500
0 + 1.000
$70,000+
1 + 0.500
1 + 0.125
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.125] 0+0 [1.500]
$100,000+
1 + 0.250
0 + 0.750
0+0 [0.250] 0+0 [0.750] 0+0 [1.375] 0+0 [1.750] 0+0 [2.000]
$100,000+
1 + 0.250
0 + 0.875
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.375] 0+0 [1.750]
$150,000+
1 + 0.125
0 + 0.625
0+0 [0.375] 0+0 [0.875] 0+0 [1.500] 0+0 [1.875] 0+0 [2.125]
$150,000+
1 + 0.125
0 + 0.750
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.500] 0+0 [1.875]
$200,000+
0 + 1.000
0 + 0.500
0+0 [0.500] 0+0 [1.000] 0+0 [1.625] 0+0 [2.000] 0+0 [2.250]
$200,000+
0 + 1.000
0 + 0.625
0+0 [0.250] 0+0 [0.750] 0+0 [1.250] 0+0 [1.625] 0+0 [2.000]
3.750%
3.875%
4.000%
4.125%
$40,000+
1 + 1.125
1 + 0.500
0 + 0.750
0+0
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
4.000%
4.125%
4.250%
20 YEAR
4.375%
4.500%
4.625% 4.750%
$40,000+
1 + 1.250
1 + 0.250
0 + 0.500
0+0 [0.125] 0+0 [0.625] 0+0 [1.500] 0+0 [2.250]
4.250%
4.375%
4.500%
0+0 [0.625] 0+0 [1.375] 0+0 [2.000]
$70,000+
1 + 1.000
0 + 1.000
0 + 0.250
0+0 [0.375] 0+0 [0.875] 0+0 [1.750] 0+0 [2.500]
$70,000+
1 + 0.875
1 + 0.250
0 + 0.500
0+0 [0.250] 0+0 [0.875] 0+0 [1.625] 0+0 [2.250]
$100,000+
1 + 0.750
0 + 0.750
0+0
0+0 [0.625] 0+0 [1.125] 0+0 [2.000] 0+0 [2.750]
$100,000+
1 + 0.625
0 + 1.000
0 + 0.250
0+0 [0.500] 0+0 [1.125] 0+0 [1.875] 0+0 [2.500]
$150,000+
1 + 0.625
0 + 0.625
0+0 [0.125] 0+0 [0.750] 0+0 [1.250] 0+0 [2.125] 0+0 [2.875]
$150,000+
1 + 0.500
0 + 0.875
0 + 0.125
0+0 [0.625] 0+0 [1.250] 0+0 [2.000] 0+0 [2.625]
$200,000+
1 + 0.500
0 + 0.500
0+0 [0.250] 0+0 [0.875] 0+0 [1.375] 0+0 [2.250] 0+0 [3.000]
$200,000+
1 + 0.375
0 + 0.750
0+0
0+0 [0.750] 0+0 [1.375] 0+0 [2.125] 0+0 [2.750]
3.125%
3.250%
3.375%
3.500%
$40,000+
1 + 1.000
1 + 0.375
0 + 0.750
0 + 0.250
0+0 [0.250] 0+0 [0.625] 0+0 [1.000]
0+0
0+0 [0.500] 0+0 [0.875] 0+0 [1.250]
15 YEAR
3.250%
3.375%
3.500%
$40,000+
1 + 0.750
1 + 0.125
0 + 0.500
10 YEAR
3.625%
3.750%
0+0
3.875%
4.000%
0+0 [0.500] 0+0 [1.000] 0+0 [1.375]
3.625%
3.750% 3.875%
$70,000+
1 + 0.500
0 + 0.875
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.250] 0+0 [1.625]
$70,000+
1 + 0.750
1 + 0.125
0 + 0.500
$100,000+
1 + 0.250
0 + 0.625
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.500] 0+0 [1.875]
$100,000+
1 + 0.500
0 + 0.875
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.125] 0+0 [1.500]
$150,000+
1 + 0.125
0 + 0.500
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.625] 0+0 [2.000]
$150,000+
1 + 0.375
0 + 0.750
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.250] 0+0 [1.625]
$200,000+
0 + 1.000
0 + 0.375
0+0 [0.250] 0+0 [0.750] 0+0 [1.250] 0+0 [1.750] 0+0 [2.125]
$200,000+
1 + 0.250
0 + 0.625
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.375] 0+0 [1.750]

FICO
LTV %
FICO RANGE
< 60
60.01 - 75
75.01 - 80
80.01 - 85
LTV %
MAX CLTV %
< 720
720
740
- 1/4
- 1/4
- 1/2
- 5/8
65
> 80 - 95
- 1/2
- 1/4
720 - 739
- 1/4
-1
- 1 1/4
-2
> 65 - 75
> 80 - 95
- 3/4
- 1/2
700 - 719
- 1/4
- 1 1/8
- 1 1/4
-2
> 75 - 80
> 76 - 90
-1
- 3/4
680 - 699
- 1/4
- 1 1/8
- 1 7/8
-3
> 75 - 80
> 90 - 95
-1
- 3/4
660 - 679
- 1 1/2
- 1 1/4
- 2 1/2
- 3 1/2
> 80 - 90
> 81 - 95
-1
- 3/4
640 - 659
-2
- 1 3/4
- 3 1/4
-4
> 90 - 95
> 90 - 95
- 1/2
- 1/4

FICO
LTV %
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
+ 1/4
- 1/4
- 1/4
- 1/4
- 1/4
- 2 3/4
720 - 739
+ 1/4
- 1/4
- 1/2
- 1/2
- 1/2
- 1/2
-3
700 - 719
+ 1/4
- 1/2
- 3/4
-1
-1
-1
-1
- 3 1/2
680 - 699
- 1/2
-2
- 1 3/4
- 1 1/2
- 1 1/4
- 1 1/4
- 3 1/2
660 - 679
-1
-2
- 2 1/2
- 2 3/4
- 2 1/4
- 2 1/4
- 4 1/4
640 - 659
- 1/2
- 1 1/4
- 2 1/2
-3
- 3 1/4
- 2 3/4
- 2 3/4
- 4 3/4
620 - 639
- 3/4
- 1 1/2
-3
-3
- 3 1/4
- 3 1/4
- 3 1/4
- 5 1/2
FIXED RATE
30/20 YR FIXED
RATE
4.125%
4.250%
4.375%
4.500%
4.625%
60-DAY
1 + 1.125
1 + 0.625
1 + 0.125
0 + 0.625
0 + 0.125
15 YR FIXED
RATE
3.750%
3.875%
4.000%
4.125%
4.250%
60-DAY
1 + 0.625
1 + 0.250
0 + 0.875
0 + 0.500
0 + 0.125
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
Friday, June 5, 2015
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
640 - 679
680 - 719
720
- 0.500
0.000
3.750%
$40,000+
1 + 0.750
0 + 0.625
3.875%
0+0
+ 0.250
620 - 639
- 1.500
30 YEAR
3.625%
VA FICO
15 YEAR
4.000%
4.125%
4.250% 4.375%
0+0 [0.500] 0+0 [0.875] 0+0 [1.500] 0+0 [2.000]
3.125%
3.250%
3.375%
$40,000+
1 + 0.625
0 + 0.750
0 + 0.250
0+0 [0.375] 0+0 [0.750] 0+0 [1.125] 0+0 [1.500]
3.500%
3.625%
3.750%
3.875%
0+0
0+0 [0.625] 0+0 [1.000] 0+0 [1.375] 0+0 [1.750]
$70,000+
1 + 0.500
0 + 0.375
0+0 [0.250] 0+0 [0.750] 0+0 [1.125] 0+0 [1.750] 0+0 [2.250]
$70,000+
1 + 0.375
0 + 0.500
$100,000+
1 + 0.250
0 + 0.125
0+0 [0.500] 0+0 [1.000] 0+0 [1.375] 0+0 [2.000] 0+0 [2.500]
$100,000+
1 + 0.125
0 + 0.250
0+0 [0.250] 0+0 [0.875] 0+0 [1.250] 0+0 [1.625] 0+0 [2.000]
$150,000+
1 + 0.125
0+0
0+0 [0.625] 0+0 [1.125] 0+0 [1.500] 0+0 [2.125] 0+0 [2.625]
$150,000+
0 + 1.000
0 + 0.125
0+0 [0.375] 0+0 [1.000] 0+0 [1.375] 0+0 [1.750] 0+0 [2.125]
$200,000+
0 + 1.000
0+0 [0.125] 0+0 [0.750] 0+0 [1.250] 0+0 [1.625] 0+0 [2.250] 0+0 [2.750]
$200,000+
0 + 0.875
0+0
0+0 [0.500] 0+0 [1.125] 0+0 [1.500] 0+0 [1.875] 0+0 [2.250]
3.875%
4.000%
4.125%
$40,000+
1 + 1.125
1 + 0.375
0 + 0.625
0+0 [0.375] 0+0 [1.000] 0+0 [1.750] 0+0 [2.125]
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
4.125%
4.250%
$40,000+
1 + 0.750
0 + 0.875
4.375%
20 YEAR
4.500%
4.625%
4.750% 4.875%
0 + 0.375
0+0 [0.375] 0+0 [1.250] 0+0 [2.000] 0+0 [2.500]
0 + 0.125
0+0 [0.625] 0+0 [1.500] 0+0 [2.250] 0+0 [2.750]
4.250%
4.375%
4.500%
4.625%
$70,000+
1 + 0.500
0 + 0.625
$70,000+
1 + 0.875
1 + 0.125
0 + 0.375
0+0 [0.625] 0+0 [1.250] 0+0 [2.000] 0+0 [2.375]
$100,000+
1 + 0.250
0 + 0.375
0+0 [0.125] 0+0 [0.875] 0+0 [1.750] 0+0 [2.500] 0+0 [3.000]
$100,000+
1 + 0.625
0 + 0.875
0 + 0.125
0+0 [0.875] 0+0 [1.500] 0+0 [2.250] 0+0 [2.625]
$150,000+
1 + 0.125
0 + 0.250
0+0 [0.250] 0+0 [1.000] 0+0 [1.875] 0+0 [2.625] 0+0 [3.125]
$150,000+
1 + 0.500
0 + 0.750
0+0
0+0 [1.000] 0+0 [1.625] 0+0 [2.375] 0+0 [2.750]
$200,000+
0 + 1.000
0 + 0.125
0+0 [0.375] 0+0 [1.125] 0+0 [2.000] 0+0 [2.750] 0+0 [3.250]
$200,000+
1 + 0.375
0 + 0.625
3.125%
3.250%
3.375%
3.500%
3.625%
3.750% 3.875%
$40,000+
1 + 1.250
1 + 0.500
0 + 1.000
0 + 0.500
0+0
0+0 [0.375] 0+0 [0.750]
15 YEAR
3.250%
3.375%
3.500%
$40,000+
1 + 1.000
1 + 0.375
0 + 0.750
0+0 [0.125] 0+0 [1.125] 0+0 [1.750] 0+0 [2.500] 0+0 [2.875]
10 YEAR
3.625%
3.750%
0 + 0.125
3.875%
4.000%
0+0 [0.375] 0+0 [0.875] 0+0 [1.250]
$70,000+
1 + 0.750
1 + 0.125
0 + 0.500
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.500]
$70,000+
1 + 1.000
1 + 0.250
0 + 0.750
0 + 0.250
0+0 [0.250] 0+0 [0.625] 0+0 [1.000]
$100,000+
1 + 0.500
0 + 0.875
0 + 0.250
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [1.750]
$100,000+
1 + 0.750
0 + 1.000
0 + 0.500
0+0
0+0 [0.500] 0+0 [0.875] 0+0 [1.250]
$150,000+
1 + 0.375
0 + 0.750
0 + 0.125
0+0 [0.500] 0+0 [1.000] 0+0 [1.500] 0+0 [1.875]
$150,000+
1 + 0.625
0 + 0.875
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.000] 0+0 [1.375]
$200,000+
1 + 0.250
0 + 0.625
0+0
0+0 [0.625] 0+0 [1.125] 0+0 [1.625] 0+0 [2.000]
$200,000+
1 + 0.500
0 + 0.750
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.125] 0+0 [1.500]

FICO
LTV %
FICO RANGE
< 60
60.01 - 75
75.01 - 80
80.01 - 85
LTV %
MAX CLTV %
< 720
720
740
- 1/4
- 1/4
- 1/2
- 5/8
65
> 80 - 95
- 1/2
- 1/4
720 - 739
- 1/4
-1
- 1 1/4
-2
> 65 - 75
> 80 - 95
- 3/4
- 1/2
700 - 719
- 1/4
- 1 1/8
- 1 1/4
-2
> 75 - 80
> 76 - 90
-1
- 3/4
680 - 699
- 1/4
- 1 1/8
- 1 7/8
-3
> 75 - 80
> 90 - 95
-1
- 3/4
660 - 679
- 1 1/2
- 1 1/4
- 2 1/2
- 3 1/2
> 80 - 90
> 81 - 95
-1
- 3/4
640 - 659
-2
- 1 3/4
- 3 1/4
-4
> 90 - 95
> 90 - 95
- 1/2
- 1/4

FICO
LTV %
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
+ 1/4
- 1/4
- 1/4
- 1/4
- 1/4
- 2 3/4
720 - 739
+ 1/4
- 1/4
- 1/2
- 1/2
- 1/2
- 1/2
-3
700 - 719
+ 1/4
- 1/2
- 3/4
-1
-1
-1
-1
- 3 1/2
680 - 699
- 1/2
-2
- 1 3/4
- 1 1/2
- 1 1/4
- 1 1/4
- 3 1/2
660 - 679
-1
-2
- 2 1/2
- 2 3/4
- 2 1/4
- 2 1/4
- 4 1/4
640 - 659
- 1/2
- 1 1/4
- 2 1/2
-3
- 3 1/4
- 2 3/4
- 2 3/4
- 4 3/4
620 - 639
- 3/4
- 1 1/2
-3
-3
- 3 1/4
- 3 1/4
- 3 1/4
- 5 1/2
FIXED RATE
30/20 YR FIXED
RATE
4.125%
4.250%
4.375%
4.500%
4.625%
60-DAY
1 + 1.125
1 + 0.625
1 + 0.125
0 + 0.625
0 + 0.125
15 YR FIXED
RATE
3.750%
3.875%
4.000%
4.125%
4.250%
60-DAY
1 + 0.750
1 + 0.375
0 + 1.000
0 + 0.625
0 + 0.250
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
Monday, June 8, 2015
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
640 - 679
680 - 719
720
- 0.500
0.000
3.625%
3.750%
$40,000+
1 + 1.000
1 + 0.500
0 + 0.500
+ 0.250
620 - 639
- 1.500
30 YEAR
3.500%
VA FICO
15 YEAR
3.875%
4.000%
0+0
4.125% 4.250%
0+0 [0.625] 0+0 [1.000] 0+0 [1.500]
3.125%
3.250%
3.375%
$40,000+
1 + 0.625
0 + 0.750
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.125] 0+0 [1.500]
3.500%
3.625%
3.750%
3.875%
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.375] 0+0 [1.750]
$70,000+
1 + 0.750
1 + 0.250
0 + 0.250
0+0 [0.250] 0+0 [0.875] 0+0 [1.250] 0+0 [1.750]
$70,000+
1 + 0.375
0 + 0.500
$100,000+
1 + 0.500
0 + 1.000
0+0
0+0 [0.500] 0+0 [1.125] 0+0 [1.500] 0+0 [2.000]
$100,000+
1 + 0.125
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.250] 0+0 [1.625] 0+0 [2.000]
$150,000+
1 + 0.375
0 + 0.875
0+0 [0.125] 0+0 [0.625] 0+0 [1.250] 0+0 [1.625] 0+0 [2.125]
$150,000+
0 + 1.000
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [1.750] 0+0 [2.125]
$200,000+
1 + 0.250
0 + 0.750
0+0 [0.250] 0+0 [0.750] 0+0 [1.375] 0+0 [1.750] 0+0 [2.250]
$200,000+
0 + 0.875
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.500] 0+0 [1.875] 0+0 [2.250]
3.875%
4.000%
4.125%
$40,000+
1 + 0.875
1 + 0.125
0 + 0.250
0+0 [0.500] 0+0 [1.250] 0+0 [1.875] 0+0 [2.125]
0+0
0+0 [0.750] 0+0 [1.500] 0+0 [2.125] 0+0 [2.375]
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
4.125%
4.250%
$40,000+
1 + 0.625
0 + 0.750
4.375%
20 YEAR
4.500%
4.625%
4.750% 4.875%
0 + 0.250
0+0 [0.375] 0+0 [1.250] 0+0 [2.000] 0+0 [2.500]
0+0
0+0 [0.625] 0+0 [1.500] 0+0 [2.250] 0+0 [2.750]
4.250%
4.375%
4.500%
4.625%
$70,000+
1 + 0.375
0 + 0.500
$70,000+
1 + 0.625
0 + 0.875
$100,000+
1 + 0.125
0 + 0.250
0+0 [0.250] 0+0 [0.875] 0+0 [1.750] 0+0 [2.500] 0+0 [3.000]
$100,000+
1 + 0.375
0 + 0.625
0+0 [0.250] 0+0 [1.000] 0+0 [1.750] 0+0 [2.375] 0+0 [2.625]
$150,000+
0 + 1.000
0 + 0.125
0+0 [0.375] 0+0 [1.000] 0+0 [1.875] 0+0 [2.625] 0+0 [3.125]
$150,000+
1 + 0.250
0 + 0.500
0+0 [0.375] 0+0 [1.125] 0+0 [1.875] 0+0 [2.500] 0+0 [2.750]
$200,000+
0 + 0.875
0+0
0+0 [0.500] 0+0 [1.125] 0+0 [2.000] 0+0 [2.750] 0+0 [3.250]
$200,000+
1 + 0.125
0 + 0.375
0+0 [0.500] 0+0 [1.250] 0+0 [2.000] 0+0 [2.625] 0+0 [2.875]
3.250%
3.375%
3.500%
3.625%
$40,000+
1 + 0.625
0 + 1.000
0 + 0.500
0+0
15 YEAR
3.250%
3.375%
3.500%
$40,000+
1 + 1.000
1 + 0.375
0 + 0.750
10 YEAR
3.625%
3.750%
0 + 0.125
3.875%
4.000%
0+0 [0.375] 0+0 [0.875] 0+0 [1.250]
3.750%
3.875% 4.000%
0+0 [0.375] 0+0 [0.875] 0+0 [1.250]
$70,000+
1 + 0.750
1 + 0.125
0 + 0.500
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.500]
$70,000+
1 + 0.375
0 + 0.750
0 + 0.250
0+0 [0.250] 0+0 [0.625] 0+0 [1.125] 0+0 [1.500]
$100,000+
1 + 0.500
0 + 0.875
0 + 0.250
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [1.750]
$100,000+
1 + 0.125
0 + 0.500
0+0
0+0 [0.500] 0+0 [0.875] 0+0 [1.375] 0+0 [1.750]
$150,000+
1 + 0.375
0 + 0.750
0 + 0.125
0+0 [0.500] 0+0 [1.000] 0+0 [1.500] 0+0 [1.875]
$150,000+
0 + 1.000
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.000] 0+0 [1.500] 0+0 [1.875]
$200,000+
1 + 0.250
0 + 0.625
0+0
0+0 [0.625] 0+0 [1.125] 0+0 [1.625] 0+0 [2.000]
$200,000+
0 + 0.875
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.125] 0+0 [1.625] 0+0 [2.000]

FICO
LTV %
FICO RANGE
< 60
60.01 - 75
75.01 - 80
80.01 - 85
LTV %
MAX CLTV %
< 720
720
740
- 1/4
- 1/4
- 1/2
- 5/8
65
> 80 - 95
- 1/2
- 1/4
720 - 739
- 1/4
-1
- 1 1/4
-2
> 65 - 75
> 80 - 95
- 3/4
- 1/2
700 - 719
- 1/4
- 1 1/8
- 1 1/4
-2
> 75 - 80
> 76 - 90
-1
- 3/4
680 - 699
- 1/4
- 1 1/8
- 1 7/8
-3
> 75 - 80
> 90 - 95
-1
- 3/4
660 - 679
- 1 1/2
- 1 1/4
- 2 1/2
- 3 1/2
> 80 - 90
> 81 - 95
-1
- 3/4
640 - 659
-2
- 1 3/4
- 3 1/4
-4
> 90 - 95
> 90 - 95
- 1/2
- 1/4

FICO
LTV %
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
+ 1/4
- 1/4
- 1/4
- 1/4
- 1/4
- 2 3/4
720 - 739
+ 1/4
- 1/4
- 1/2
- 1/2
- 1/2
- 1/2
-3
700 - 719
+ 1/4
- 1/2
- 3/4
-1
-1
-1
-1
- 3 1/2
680 - 699
- 1/2
-2
- 1 3/4
- 1 1/2
- 1 1/4
- 1 1/4
- 3 1/2
660 - 679
-1
-2
- 2 1/2
- 2 3/4
- 2 1/4
- 2 1/4
- 4 1/4
640 - 659
- 1/2
- 1 1/4
- 2 1/2
-3
- 3 1/4
- 2 3/4
- 2 3/4
- 4 3/4
620 - 639
- 3/4
- 1 1/2
-3
-3
- 3 1/4
- 3 1/4
- 3 1/4
- 5 1/2
FIXED RATE
30/20 YR FIXED
RATE
4.125%
4.250%
4.375%
4.500%
4.625%
60-DAY
1 + 1.000
1 + 0.500
0 + 1.000
0 + 0.500
0+0
15 YR FIXED
RATE
3.875%
4.000%
4.125%
4.250%
4.375%
60-DAY
1 + 0.500
1 + 0.125
0 + 0.750
0 + 0.375
0+0
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
640 - 679
680 - 719
720
- 0.500
0.000
3.750%
$40,000+
1 + 0.625
0 + 0.500
3.875%
0+0
+ 0.250
620 - 639
- 1.500
30 YEAR
3.625%
VA FICO
15 YEAR
4.000%
4.125%
4.250% 4.375%
0+0 [0.625] 0+0 [1.000] 0+0 [1.500] 0+0 [2.000]
3.125%
3.250%
3.375%
$40,000+
1 + 0.625
0 + 0.750
0 + 0.250
0+0 [0.250] 0+0 [0.625] 0+0 [1.000] 0+0 [1.500]
3.500%
3.625%
3.750%
3.875%
0+0
0+0 [0.500] 0+0 [0.875] 0+0 [1.250] 0+0 [1.750]
$70,000+
1 + 0.375
0 + 0.250
0+0 [0.250] 0+0 [0.875] 0+0 [1.250] 0+0 [1.750] 0+0 [2.250]
$70,000+
1 + 0.375
0 + 0.500
$100,000+
1 + 0.125
0+0
0+0 [0.500] 0+0 [1.125] 0+0 [1.500] 0+0 [2.000] 0+0 [2.500]
$100,000+
1 + 0.125
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.125] 0+0 [1.500] 0+0 [2.000]
$150,000+
0 + 1.000
0+0 [0.125] 0+0 [0.625] 0+0 [1.250] 0+0 [1.625] 0+0 [2.125] 0+0 [2.625]
$150,000+
0 + 1.000
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.250] 0+0 [1.625] 0+0 [2.125]
$200,000+
0 + 0.875
0+0 [0.250] 0+0 [0.750] 0+0 [1.375] 0+0 [1.750] 0+0 [2.250] 0+0 [2.750]
$200,000+
0 + 0.875
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.375] 0+0 [1.750] 0+0 [2.250]
3.875%
4.000%
4.125%
$40,000+
1 + 0.875
0 + 1.000
0 + 0.250
0+0 [0.500] 0+0 [1.250] 0+0 [1.875] 0+0 [2.125]
0+0
0+0 [0.750] 0+0 [1.500] 0+0 [2.125] 0+0 [2.375]
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
4.000%
4.125%
4.250%
$40,000+
1 + 1.500
1 + 0.500
0 + 0.750
20 YEAR
4.375%
4.500%
0 + 0.125
4.625% 4.750%
0+0 [0.500] 0+0 [1.375] 0+0 [2.125]
4.250%
4.375%
4.500%
4.625%
$70,000+
1 + 1.250
1 + 0.250
0 + 0.500
0+0 [0.125] 0+0 [0.750] 0+0 [1.625] 0+0 [2.375]
$70,000+
1 + 0.625
0 + 0.750
$100,000+
1 + 1.000
0 + 1.000
0 + 0.250
0+0 [0.375] 0+0 [1.000] 0+0 [1.875] 0+0 [2.625]
$100,000+
1 + 0.375
0 + 0.500
0+0 [0.250] 0+0 [1.000] 0+0 [1.750] 0+0 [2.375] 0+0 [2.625]
$150,000+
1 + 0.875
0 + 0.875
0 + 0.125
0+0 [0.500] 0+0 [1.125] 0+0 [2.000] 0+0 [2.750]
$150,000+
1 + 0.250
0 + 0.375
0+0 [0.375] 0+0 [1.125] 0+0 [1.875] 0+0 [2.500] 0+0 [2.750]
$200,000+
1 + 0.750
0 + 0.750
0+0
0+0 [0.625] 0+0 [1.250] 0+0 [2.125] 0+0 [2.875]
$200,000+
1 + 0.125
0 + 0.250
0+0 [0.500] 0+0 [1.250] 0+0 [2.000] 0+0 [2.625] 0+0 [2.875]
3.250%
3.375%
3.500%
3.625%
$40,000+
1 + 0.625
0 + 1.000
0 + 0.500
0 + 0.125
15 YEAR
3.250%
3.375%
3.500%
$40,000+
1 + 1.000
1 + 0.375
0 + 0.750
10 YEAR
3.625%
3.750%
3.875%
4.000%
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.250]
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.500]
3.750%
3.875% 4.000%
0+0 [0.375] 0+0 [0.875] 0+0 [1.375]
$70,000+
1 + 0.750
1 + 0.125
0 + 0.500
$70,000+
1 + 0.375
0 + 0.750
0 + 0.250
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.625]
$100,000+
1 + 0.500
0 + 0.875
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.250] 0+0 [1.750]
$100,000+
1 + 0.125
0 + 0.500
0+0
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [1.875]
$150,000+
1 + 0.375
0 + 0.750
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [1.875]
$150,000+
0 + 1.000
0 + 0.375
0+0 [0.125] 0+0 [0.500] 0+0 [1.000] 0+0 [1.500] 0+0 [2.000]
$200,000+
1 + 0.250
0 + 0.625
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.500] 0+0 [2.000]
$200,000+
0 + 0.875
0 + 0.250
0+0 [0.250] 0+0 [0.625] 0+0 [1.125] 0+0 [1.625] 0+0 [2.125]

FICO
LTV %
FICO RANGE
< 60
60.01 - 75
75.01 - 80
80.01 - 85
LTV %
MAX CLTV %
< 720
720
740
- 1/4
- 1/4
- 1/2
- 5/8
65
> 80 - 95
- 1/2
- 1/4
720 - 739
- 1/4
-1
- 1 1/4
-2
> 65 - 75
> 80 - 95
- 3/4
- 1/2
700 - 719
- 1/4
- 1 1/8
- 1 1/4
-2
> 75 - 80
> 76 - 90
-1
- 3/4
680 - 699
- 1/4
- 1 1/8
- 1 7/8
-3
> 75 - 80
> 90 - 95
-1
- 3/4
660 - 679
- 1 1/2
- 1 1/4
- 2 1/2
- 3 1/2
> 80 - 90
> 81 - 95
-1
- 3/4
640 - 659
-2
- 1 3/4
- 3 1/4
-4
> 90 - 95
> 90 - 95
- 1/2
- 1/4

FICO
LTV %
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
+ 1/4
- 1/4
- 1/4
- 1/4
- 1/4
- 2 3/4
720 - 739
+ 1/4
- 1/4
- 1/2
- 1/2
- 1/2
- 1/2
-3
700 - 719
+ 1/4
- 1/2
- 3/4
-1
-1
-1
-1
- 3 1/2
680 - 699
- 1/2
-2
- 1 3/4
- 1 1/2
- 1 1/4
- 1 1/4
- 3 1/2
660 - 679
-1
-2
- 2 1/2
- 2 3/4
- 2 1/4
- 2 1/4
- 4 1/4
640 - 659
- 1/2
- 1 1/4
- 2 1/2
-3
- 3 1/4
- 2 3/4
- 2 3/4
- 4 3/4
620 - 639
- 3/4
- 1 1/2
-3
-3
- 3 1/4
- 3 1/4
- 3 1/4
- 5 1/2
FIXED RATE
30/20 YR FIXED
RATE
4.125%
4.250%
4.375%
4.500%
4.625%
60-DAY
1 + 1.000
1 + 0.500
0 + 1.000
0 + 0.500
0+0
15 YR FIXED
RATE
3.875%
4.000%
4.125%
4.250%
4.375%
60-DAY
1 + 0.375
0 + 1.000
0 + 0.625
0 + 0.250
0+0
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
640 - 679
680 - 719
720
- 0.500
0.000
3.875%
4.000%
$40,000+
1 + 1.000
1 + 0.375
0 + 0.875
+ 0.250
620 - 639
- 1.500
30 YEAR
3.750%
VA FICO
15 YEAR
4.125%
4.250%
4.375% 4.500%
0+0
0+0 [0.500] 0+0 [1.000]
0 + 0.375
3.125%
3.250%
3.375%
3.500%
$40,000+
1 + 1.000
1 + 0.125
0 + 0.625
0+0
3.625%
3.750%
3.875%
0+0 [0.375] 0+0 [0.750] 0+0 [1.125]
$70,000+
1 + 0.750
1 + 0.125
0 + 0.625
$70,000+
1 + 0.750
0 + 0.875
0 + 0.375
0+0 [0.250] 0+0 [0.625] 0+0 [1.000] 0+0 [1.375]
$100,000+
1 + 0.500
0 + 0.875
0 + 0.375
0+0 [0.125] 0+0 [0.500] 0+0 [1.000] 0+0 [1.500]
$100,000+
1 + 0.500
0 + 0.625
0 + 0.125
0+0 [0.500] 0+0 [0.875] 0+0 [1.250] 0+0 [1.625]
$150,000+
1 + 0.375
0 + 0.750
0 + 0.250
0+0 [0.250] 0+0 [0.625] 0+0 [1.125] 0+0 [1.625]
$150,000+
1 + 0.375
0 + 0.500
0+0
0+0 [0.625] 0+0 [1.000] 0+0 [1.375] 0+0 [1.750]
$200,000+
1 + 0.250
0 + 0.625
0 + 0.125
0+0 [0.375] 0+0 [0.750] 0+0 [1.250] 0+0 [1.750]
$200,000+
1 + 0.250
0 + 0.375
3.875%
4.000%
4.125%
$40,000+
1 + 1.250
1 + 0.500
0 + 0.750
0+0 [0.250] 0+0 [1.000] 0+0 [1.625] 0+0 [2.125]
0 + 0.125
0+0 [0.250] 0+0 [0.750] 0+0 [1.250]
0+0 [0.125] 0+0 [0.750] 0+0 [1.125] 0+0 [1.500] 0+0 [1.875]
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
4.125%
4.250%
4.375%
20 YEAR
4.500%
4.625%
4.750% 4.875%
$40,000+
1 + 1.000
1 + 0.250
0 + 0.625
0+0 [0.250] 0+0 [1.125] 0+0 [1.750] 0+0 [2.375]
4.250%
4.375%
4.500%
4.625%
$70,000+
1 + 0.750
0 + 1.000
0 + 0.375
0+0 [0.500] 0+0 [1.375] 0+0 [2.000] 0+0 [2.625]
$70,000+
1 + 1.000
1 + 0.250
0 + 0.500
0+0 [0.500] 0+0 [1.250] 0+0 [1.875] 0+0 [2.375]
$100,000+
1 + 0.500
0 + 0.750
0 + 0.125
0+0 [0.750] 0+0 [1.625] 0+0 [2.250] 0+0 [2.875]
$100,000+
1 + 0.750
0 + 1.000
0 + 0.250
0+0 [0.750] 0+0 [1.500] 0+0 [2.125] 0+0 [2.625]
$150,000+
1 + 0.375
0 + 0.625
0+0
0+0 [0.875] 0+0 [1.750] 0+0 [2.375] 0+0 [3.000]
$150,000+
1 + 0.625
0 + 0.875
0 + 0.125
0+0 [0.875] 0+0 [1.625] 0+0 [2.250] 0+0 [2.750]
$200,000+
1 + 0.250
0 + 0.500
0+0 [0.125] 0+0 [1.000] 0+0 [1.875] 0+0 [2.500] 0+0 [3.125]
$200,000+
1 + 0.500
0 + 0.750
0+0
0+0 [1.000] 0+0 [1.750] 0+0 [2.375] 0+0 [2.875]
3.250%
3.375%
3.500%
3.625%
$40,000+
1 + 0.875
1 + 0.375
0 + 0.750
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.000]
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.250]
15 YEAR
3.375%
3.500%
3.625%
$40,000+
1 + 0.625
0 + 1.000
0 + 0.500
10 YEAR
3.750%
3.875%
0+0
4.000%
4.125%
0+0 [0.500] 0+0 [1.000] 0+0 [1.375]
3.750%
3.875% 4.000%
$70,000+
1 + 0.375
0 + 0.750
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.250] 0+0 [1.625]
$70,000+
1 + 0.625
1 + 0.125
0 + 0.500
$100,000+
1 + 0.125
0 + 0.500
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.500] 0+0 [1.875]
$100,000+
1 + 0.375
0 + 0.875
0 + 0.250
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.500]
$150,000+
0 + 1.000
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.625] 0+0 [2.000]
$150,000+
1 + 0.250
0 + 0.750
0 + 0.125
0+0 [0.250] 0+0 [0.750] 0+0 [1.250] 0+0 [1.625]
$200,000+
0 + 0.875
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.250] 0+0 [1.750] 0+0 [2.125]
$200,000+
1 + 0.125
0 + 0.625
0+0
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [1.750]

FICO
LTV %
FICO RANGE
< 60
60.01 - 75
75.01 - 80
80.01 - 85
LTV %
MAX CLTV %
< 720
720
740
- 1/4
- 1/4
- 1/2
- 5/8
65
> 80 - 95
- 1/2
- 1/4
720 - 739
- 1/4
-1
- 1 1/4
-2
> 65 - 75
> 80 - 95
- 3/4
- 1/2
700 - 719
- 1/4
- 1 1/8
- 1 1/4
-2
> 75 - 80
> 76 - 90
-1
- 3/4
680 - 699
- 1/4
- 1 1/8
- 1 7/8
-3
> 75 - 80
> 90 - 95
-1
- 3/4
660 - 679
- 1 1/2
- 1 1/4
- 2 1/2
- 3 1/2
> 80 - 90
> 81 - 95
-1
- 3/4
640 - 659
-2
- 1 3/4
- 3 1/4
-4
> 90 - 95
> 90 - 95
- 1/2
- 1/4

FICO
LTV %
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
+ 1/4
- 1/4
- 1/4
- 1/4
- 1/4
- 2 3/4
720 - 739
+ 1/4
- 1/4
- 1/2
- 1/2
- 1/2
- 1/2
-3
700 - 719
+ 1/4
- 1/2
- 3/4
-1
-1
-1
-1
- 3 1/2
680 - 699
- 1/2
-2
- 1 3/4
- 1 1/2
- 1 1/4
- 1 1/4
- 3 1/2
660 - 679
-1
-2
- 2 1/2
- 2 3/4
- 2 1/4
- 2 1/4
- 4 1/4
640 - 659
- 1/2
- 1 1/4
- 2 1/2
-3
- 3 1/4
- 2 3/4
- 2 3/4
- 4 3/4
620 - 639
- 3/4
- 1 1/2
-3
-3
- 3 1/4
- 3 1/4
- 3 1/4
- 5 1/2
FIXED RATE
30/20 YR FIXED
RATE
4.125%
4.250%
4.375%
4.500%
4.625%
60-DAY
1 + 1.375
1 + 0.875
1 + 0.375
0 + 0.875
0 + 0.375
15 YR FIXED
RATE
3.875%
4.000%
4.125%
4.250%
4.375%
60-DAY
1 + 0.625
1 + 0.250
0 + 0.875
0 + 0.500
0 + 0.125
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
640 - 679
680 - 719
720
- 0.500
0.000
3.750%
3.875%
+ 0.250
620 - 639
- 1.500
30 YEAR
3.625%
VA FICO
15 YEAR
4.000%
4.125%
4.250% 4.375%
$40,000+
1 + 0.875
0 + 0.625
0 + 0.875
0+0 [0.500] 0+0 [0.875] 0+0 [1.500] 0+0 [2.000]
3.125%
3.250%
3.375%
3.500%
$40,000+
1 + 0.875
0 + 1.000
0 + 0.500
0+0
3.625%
3.750%
3.875%
0+0 [0.375] 0+0 [0.875] 0+0 [1.250]
$70,000+
1 + 0.625
0 + 0.375
0 + 0.625
0+0 [0.750] 0+0 [1.125] 0+0 [1.750] 0+0 [2.250]
$70,000+
1 + 0.625
0 + 0.750
0 + 0.250
0+0 [0.250] 0+0 [0.625] 0+0 [1.125] 0+0 [1.500]
$100,000+
1 + 0.375
0 + 0.125
0 + 0.375
0+0 [1.000] 0+0 [1.375] 0+0 [2.000] 0+0 [2.500]
$100,000+
1 + 0.375
0 + 0.500
0+0
0+0 [0.500] 0+0 [0.875] 0+0 [1.375] 0+0 [1.750]
$150,000+
1 + 0.250
0+0
0 + 0.250
0+0 [1.125] 0+0 [1.500] 0+0 [2.125] 0+0 [2.625]
$150,000+
1 + 0.250
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.000] 0+0 [1.500] 0+0 [1.875]
$200,000+
1 + 0.125
0+0 [0.125]
0 + 0.125
0+0 [1.250] 0+0 [1.625] 0+0 [2.250] 0+0 [2.750]
$200,000+
1 + 0.125
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.125] 0+0 [1.625] 0+0 [2.000]
3.875%
4.000%
4.125%
$40,000+
1 + 1.125
1 + 0.250
0 + 0.500
0+0 [0.375] 0+0 [1.125] 0+0 [1.750] 0+0 [2.125]
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
4.125%
4.250%
4.375%
20 YEAR
4.500%
4.625%
4.750% 4.875%
$40,000+
1 + 0.875
1 + 0.125
0 + 0.500
0+0 [0.250] 0+0 [1.125] 0+0 [1.875] 0+0 [2.375]
4.250%
4.375%
4.500%
4.625%
$70,000+
1 + 0.625
0 + 0.875
0 + 0.250
0+0 [0.500] 0+0 [1.375] 0+0 [2.125] 0+0 [2.625]
$70,000+
1 + 0.875
0 + 1.000
0 + 0.250
0+0 [0.625] 0+0 [1.375] 0+0 [2.000] 0+0 [2.375]
$100,000+
1 + 0.375
0 + 0.625
0+0
0+0 [0.750] 0+0 [1.625] 0+0 [2.375] 0+0 [2.875]
$100,000+
1 + 0.625
0 + 0.750
0+0
0+0 [0.875] 0+0 [1.625] 0+0 [2.250] 0+0 [2.625]
$150,000+
1 + 0.250
0 + 0.500
0+0 [0.125] 0+0 [0.875] 0+0 [1.750] 0+0 [2.500] 0+0 [3.000]
$150,000+
1 + 0.500
0 + 0.625
0+0 [0.125] 0+0 [1.000] 0+0 [1.750] 0+0 [2.375] 0+0 [2.750]
$200,000+
1 + 0.125
0 + 0.375
0+0 [0.250] 0+0 [1.000] 0+0 [1.875] 0+0 [2.625] 0+0 [3.125]
$200,000+
1 + 0.375
0 + 0.500
0+0 [0.250] 0+0 [1.125] 0+0 [1.875] 0+0 [2.500] 0+0 [2.875]
3.250%
3.375%
3.500%
3.625%
$40,000+
1 + 0.875
1 + 0.250
0 + 0.750
0 + 0.250
0+0 [0.125] 0+0 [0.625] 0+0 [1.000]
0+0
0+0 [0.375] 0+0 [0.875] 0+0 [1.250]
15 YEAR
3.375%
3.500%
$40,000+
1 + 0.625
0 + 1.000
3.625%
10 YEAR
3.750%
3.875%
4.000%
4.125%
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.000] 0+0 [1.375]
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.250] 0+0 [1.625]
3.750%
3.875% 4.000%
$70,000+
1 + 0.375
0 + 0.750
$70,000+
1 + 0.625
0 + 1.000
0 + 0.500
$100,000+
1 + 0.125
0 + 0.500
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.500] 0+0 [1.875]
$100,000+
1 + 0.375
0 + 0.750
0 + 0.250
0+0 [0.250] 0+0 [0.625] 0+0 [1.125] 0+0 [1.500]
$150,000+
0 + 1.000
0 + 0.375
0+0 [0.250] 0+0 [0.750] 0+0 [1.250] 0+0 [1.625] 0+0 [2.000]
$150,000+
1 + 0.250
0 + 0.625
0 + 0.125
0+0 [0.375] 0+0 [0.750] 0+0 [1.250] 0+0 [1.625]
$200,000+
0 + 0.875
0 + 0.250
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [1.750] 0+0 [2.125]
$200,000+
1 + 0.125
0 + 0.500
0+0
0+0 [0.500] 0+0 [0.875] 0+0 [1.375] 0+0 [1.750]

FICO
LTV %
FICO RANGE
< 60
60.01 - 75
75.01 - 80
80.01 - 85
LTV %
MAX CLTV %
< 720
720
740
- 1/4
- 1/4
- 1/2
- 5/8
65
> 80 - 95
- 1/2
- 1/4
720 - 739
- 1/4
-1
- 1 1/4
-2
> 65 - 75
> 80 - 95
- 3/4
- 1/2
700 - 719
- 1/4
- 1 1/8
- 1 1/4
-2
> 75 - 80
> 76 - 90
-1
- 3/4
680 - 699
- 1/4
- 1 1/8
- 1 7/8
-3
> 75 - 80
> 90 - 95
-1
- 3/4
660 - 679
- 1 1/2
- 1 1/4
- 2 1/2
- 3 1/2
> 80 - 90
> 81 - 95
-1
- 3/4
640 - 659
-2
- 1 3/4
- 3 1/4
-4
> 90 - 95
> 90 - 95
- 1/2
- 1/4

FICO
LTV %
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
+ 1/4
- 1/4
- 1/4
- 1/4
- 1/4
- 2 3/4
720 - 739
+ 1/4
- 1/4
- 1/2
- 1/2
- 1/2
- 1/2
-3
700 - 719
+ 1/4
- 1/2
- 3/4
-1
-1
-1
-1
- 3 1/2
680 - 699
- 1/2
-2
- 1 3/4
- 1 1/2
- 1 1/4
- 1 1/4
- 3 1/2
660 - 679
-1
-2
- 2 1/2
- 2 3/4
- 2 1/4
- 2 1/4
- 4 1/4
640 - 659
- 1/2
- 1 1/4
- 2 1/2
-3
- 3 1/4
- 2 3/4
- 2 3/4
- 4 3/4
620 - 639
- 3/4
- 1 1/2
-3
-3
- 3 1/4
- 3 1/4
- 3 1/4
- 5 1/2
FIXED RATE
30/20 YR FIXED
RATE
4.125%
4.250%
4.375%
4.500%
4.625%
60-DAY
1 + 1.250
1 + 0.750
1 + 0.250
0 + 0.750
0 + 0.250
15 YR FIXED
RATE
3.875%
4.000%
4.125%
4.250%
4.375%
60-DAY
1 + 0.500
1 + 0.125
0 + 0.750
0 + 0.375
0+0
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
640 - 679
680 - 719
720
- 0.500
0.000
3.625%
3.750%
+ 0.250
620 - 639
- 1.500
30 YEAR
3.500%
VA FICO
15 YEAR
3.875%
4.000%
4.125% 4.250%
$40,000+
1 + 0.875
1 + 0.375
0 + 0.500
0+0 [0.125] 0+0 [0.750] 0+0 [1.125] 0+0 [1.625]
3.000%
3.125%
3.250%
3.375%
$40,000+
1 + 0.750
1 + 0.500
0 + 0.375
0+0
3.500%
3.625%
3.750%
0+0 [0.500] 0+0 [0.750] 0+0 [1.250]
$70,000+
1 + 0.625
1 + 0.125
0 + 0.250
0+0 [0.375] 0+0 [1.000] 0+0 [1.375] 0+0 [1.875]
$70,000+
1 + 0.500
1 + 0.250
$100,000+
1 + 0.375
0 + 0.875
0+0
0+0 [0.625] 0+0 [1.250] 0+0 [1.625] 0+0 [2.125]
$100,000+
1 + 0.250
0 + 1.000
0+0 [0.125] 0+0 [0.500] 0+0 [1.000] 0+0 [1.250] 0+0 [1.750]
$150,000+
1 + 0.250
0 + 0.750
0+0 [0.125] 0+0 [0.750] 0+0 [1.375] 0+0 [1.750] 0+0 [2.250]
$150,000+
1 + 0.125
0 + 0.875
0+0 [0.250] 0+0 [0.625] 0+0 [1.125] 0+0 [1.375] 0+0 [1.875]
$200,000+
1 + 0.125
0 + 0.625
0+0 [0.250] 0+0 [0.875] 0+0 [1.500] 0+0 [1.875] 0+0 [2.375]
$200,000+
0 + 1.000
0 + 0.750
0+0 [0.375] 0+0 [0.750] 0+0 [1.250] 0+0 [1.500] 0+0 [2.000]
3.875%
4.000%
4.125%
$40,000+
1 + 0.750
0 + 1.000
0 + 0.250
0+0 [0.625] 0+0 [1.250] 0+0 [2.000] 0+0 [2.125]
0+0
0+0 [0.875] 0+0 [1.500] 0+0 [2.250] 0+0 [2.375]
0 + 0.125
0+0 [0.250] 0+0 [0.750] 0+0 [1.000] 0+0 [1.500]
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
4.000%
4.125%
4.250%
$40,000+
1 + 1.375
1 + 0.500
0 + 0.750
20 YEAR
4.375%
4.500%
0 + 0.125
4.625% 4.750%
0+0 [0.500] 0+0 [1.375] 0+0 [2.125]
4.250%
4.375%
4.500%
4.625%
$70,000+
1 + 1.125
1 + 0.250
0 + 0.500
0+0 [0.125] 0+0 [0.750] 0+0 [1.625] 0+0 [2.375]
$70,000+
1 + 0.500
0 + 0.750
$100,000+
1 + 0.875
0 + 1.000
0 + 0.250
0+0 [0.375] 0+0 [1.000] 0+0 [1.875] 0+0 [2.625]
$100,000+
1 + 0.250
0 + 0.500
0+0 [0.250] 0+0 [1.125] 0+0 [1.750] 0+0 [2.500] 0+0 [2.625]
$150,000+
1 + 0.750
0 + 0.875
0 + 0.125
0+0 [0.500] 0+0 [1.125] 0+0 [2.000] 0+0 [2.750]
$150,000+
1 + 0.125
0 + 0.375
0+0 [0.375] 0+0 [1.250] 0+0 [1.875] 0+0 [2.625] 0+0 [2.750]
$200,000+
1 + 0.625
0 + 0.750
0+0
0+0 [0.625] 0+0 [1.250] 0+0 [2.125] 0+0 [2.875]
$200,000+
0 + 1.000
0 + 0.250
0+0 [0.500] 0+0 [1.375] 0+0 [2.000] 0+0 [2.750] 0+0 [2.875]
3.250%
3.375%
3.500%
3.625%
$40,000+
1 + 0.625
0 + 1.000
0 + 0.500
0+0
15 YEAR
3.250%
3.375%
3.500%
$40,000+
1 + 1.000
1 + 0.375
0 + 0.750
10 YEAR
3.625%
3.750%
0 + 0.125
3.875%
4.000%
0+0 [0.375] 0+0 [0.875] 0+0 [1.250]
3.750%
3.875% 4.000%
0+0 [0.375] 0+0 [0.875] 0+0 [1.250]
$70,000+
1 + 0.750
1 + 0.125
0 + 0.500
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.500]
$70,000+
1 + 0.375
0 + 0.750
0 + 0.250
0+0 [0.250] 0+0 [0.625] 0+0 [1.125] 0+0 [1.500]
$100,000+
1 + 0.500
0 + 0.875
0 + 0.250
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [1.750]
$100,000+
1 + 0.125
0 + 0.500
0+0
0+0 [0.500] 0+0 [0.875] 0+0 [1.375] 0+0 [1.750]
$150,000+
1 + 0.375
0 + 0.750
0 + 0.125
0+0 [0.500] 0+0 [1.000] 0+0 [1.500] 0+0 [1.875]
$150,000+
0 + 1.000
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.000] 0+0 [1.500] 0+0 [1.875]
$200,000+
1 + 0.250
0 + 0.625
0+0
0+0 [0.625] 0+0 [1.125] 0+0 [1.625] 0+0 [2.000]
$200,000+
0 + 0.875
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.125] 0+0 [1.625] 0+0 [2.000]

FICO
LTV %
FICO RANGE
< 60
60.01 - 75
75.01 - 80
80.01 - 85
LTV %
MAX CLTV %
< 720
720
740
- 1/4
- 1/4
- 1/2
- 5/8
65
> 80 - 95
- 1/2
- 1/4
720 - 739
- 1/4
-1
- 1 1/4
-2
> 65 - 75
> 80 - 95
- 3/4
- 1/2
700 - 719
- 1/4
- 1 1/8
- 1 1/4
-2
> 75 - 80
> 76 - 90
-1
- 3/4
680 - 699
- 1/4
- 1 1/8
- 1 7/8
-3
> 75 - 80
> 90 - 95
-1
- 3/4
660 - 679
- 1 1/2
- 1 1/4
- 2 1/2
- 3 1/2
> 80 - 90
> 81 - 95
-1
- 3/4
640 - 659
-2
- 1 3/4
- 3 1/4
-4
> 90 - 95
> 90 - 95
- 1/2
- 1/4

FICO
LTV %
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
+ 1/4
- 1/4
- 1/4
- 1/4
- 1/4
- 2 3/4
720 - 739
+ 1/4
- 1/4
- 1/2
- 1/2
- 1/2
- 1/2
-3
700 - 719
+ 1/4
- 1/2
- 3/4
-1
-1
-1
-1
- 3 1/2
680 - 699
- 1/2
-2
- 1 3/4
- 1 1/2
- 1 1/4
- 1 1/4
- 3 1/2
660 - 679
-1
-2
- 2 1/2
- 2 3/4
- 2 1/4
- 2 1/4
- 4 1/4
640 - 659
- 1/2
- 1 1/4
- 2 1/2
-3
- 3 1/4
- 2 3/4
- 2 3/4
- 4 3/4
620 - 639
- 3/4
- 1 1/2
-3
-3
- 3 1/4
- 3 1/4
- 3 1/4
- 5 1/2
FIXED RATE
30/20 YR FIXED
RATE
4.125%
4.250%
4.375%
4.500%
4.625%
60-DAY
1 + 1.125
1 + 0.625
1 + 0.125
0 + 0.625
0 + 0.125
15 YR FIXED
RATE
3.875%
4.000%
4.125%
4.250%
4.375%
60-DAY
1 + 0.375
0 + 1.000
0 + 0.625
0 + 0.250
0+0
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
640 - 679
680 - 719
720
- 0.500
0.000
3.625%
$40,000+
1 + 0.750
1 + 0.250
3.750%
+ 0.250
620 - 639
- 1.500
30 YEAR
3.500%
VA FICO
15 YEAR
3.875%
4.000%
4.125% 4.250%
0 + 0.250
0+0 [0.250] 0+0 [0.875] 0+0 [1.250] 0+0 [1.500]
0+0
0+0 [0.500] 0+0 [1.125] 0+0 [1.500] 0+0 [1.750]
3.000%
3.125%
3.250%
$40,000+
1 + 0.625
1 + 0.250
0 + 0.375
0+0 [0.125] 0+0 [0.500] 0+0 [0.875] 0+0 [1.125]
3.375%
3.500%
3.625%
3.750%
0 + 0.125
0+0 [0.375] 0+0 [0.750] 0+0 [1.125] 0+0 [1.375]
$70,000+
1 + 0.500
0 + 1.000
$70,000+
1 + 0.375
0 + 1.000
$100,000+
1 + 0.250
0 + 0.750
0+0 [0.250] 0+0 [0.750] 0+0 [1.375] 0+0 [1.750] 0+0 [2.000]
$100,000+
1 + 0.125
0 + 0.750
0+0 [0.125] 0+0 [0.625] 0+0 [1.000] 0+0 [1.375] 0+0 [1.625]
$150,000+
1 + 0.125
0 + 0.625
0+0 [0.375] 0+0 [0.875] 0+0 [1.500] 0+0 [1.875] 0+0 [2.125]
$150,000+
0 + 1.000
0 + 0.625
0+0 [0.250] 0+0 [0.750] 0+0 [1.125] 0+0 [1.500] 0+0 [1.750]
$200,000+
0 + 1.000
0 + 0.500
0+0 [0.500] 0+0 [1.000] 0+0 [1.625] 0+0 [2.000] 0+0 [2.250]
$200,000+
0 + 0.875
0 + 0.500
0+0 [0.375] 0+0 [0.875] 0+0 [1.250] 0+0 [1.625] 0+0 [1.875]
3.750%
3.875%
4.000%
4.125%
$40,000+
1 + 1.250
1 + 0.625
0 + 0.875
0 + 0.125
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
4.000%
4.125%
4.250%
$40,000+
1 + 1.375
1 + 0.375
0 + 0.625
20 YEAR
4.375%
4.500%
0+0
4.625% 4.750%
0+0 [0.500] 0+0 [1.375] 0+0 [2.125]
4.250%
4.375%
4.500%
0+0 [0.625] 0+0 [1.250] 0+0 [2.000]
$70,000+
1 + 1.125
1 + 0.125
0 + 0.375
0+0 [0.250] 0+0 [0.750] 0+0 [1.625] 0+0 [2.375]
$70,000+
1 + 1.000
1 + 0.375
0 + 0.625
0+0 [0.125] 0+0 [0.875] 0+0 [1.500] 0+0 [2.250]
$100,000+
1 + 0.875
0 + 0.875
0 + 0.125
0+0 [0.500] 0+0 [1.000] 0+0 [1.875] 0+0 [2.625]
$100,000+
1 + 0.750
1 + 0.125
0 + 0.375
0+0 [0.375] 0+0 [1.125] 0+0 [1.750] 0+0 [2.500]
$150,000+
1 + 0.750
0 + 0.750
0+0
0+0 [0.625] 0+0 [1.125] 0+0 [2.000] 0+0 [2.750]
$150,000+
1 + 0.625
0 + 1.000
0 + 0.250
0+0 [0.500] 0+0 [1.250] 0+0 [1.875] 0+0 [2.625]
$200,000+
1 + 0.625
0 + 0.625
0+0 [0.125] 0+0 [0.750] 0+0 [1.250] 0+0 [2.125] 0+0 [2.875]
$200,000+
1 + 0.500
0 + 0.875
0 + 0.125
0+0 [0.625] 0+0 [1.375] 0+0 [2.000] 0+0 [2.750]
3.125%
3.250%
3.375%
3.500%
3.625%
3.750% 3.875%
$40,000+
1 + 1.125
1 + 0.500
0 + 1.000
0 + 0.500
0+0
0+0 [0.375] 0+0 [0.875]
15 YEAR
3.125%
3.250%
3.375%
10 YEAR
3.500%
$40,000+
1 + 1.375
1 + 0.875
1 + 0.250
0 + 0.625
3.625%
0 + 0.125
3.750%
3.875%
0+0 [0.375] 0+0 [0.875]
$70,000+
1 + 1.125
1 + 0.625
0 + 1.000
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.125]
$70,000+
1 + 0.875
1 + 0.250
0 + 0.750
0 + 0.250
0+0 [0.250] 0+0 [0.625] 0+0 [1.125]
$100,000+
1 + 0.875
1 + 0.375
0 + 0.750
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.375]
$100,000+
1 + 0.625
0 + 1.000
0 + 0.500
0+0
0+0 [0.500] 0+0 [0.875] 0+0 [1.375]
$150,000+
1 + 0.750
1 + 0.250
0 + 0.625
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.500]
$150,000+
1 + 0.500
0 + 0.875
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.000] 0+0 [1.500]
$200,000+
1 + 0.625
1 + 0.125
0 + 0.500
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.625]
$200,000+
1 + 0.375
0 + 0.750
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.125] 0+0 [1.625]

FICO
LTV %
FICO RANGE
< 60
60.01 - 75
75.01 - 80
80.01 - 85
LTV %
MAX CLTV %
< 720
720
740
- 1/4
- 1/4
- 1/2
- 5/8
65
> 80 - 95
- 1/2
- 1/4
720 - 739
- 1/4
-1
- 1 1/4
-2
> 65 - 75
> 80 - 95
- 3/4
- 1/2
700 - 719
- 1/4
- 1 1/8
- 1 1/4
-2
> 75 - 80
> 76 - 90
-1
- 3/4
680 - 699
- 1/4
- 1 1/8
- 1 7/8
-3
> 75 - 80
> 90 - 95
-1
- 3/4
660 - 679
- 1 1/2
- 1 1/4
- 2 1/2
- 3 1/2
> 80 - 90
> 81 - 95
-1
- 3/4
640 - 659
-2
- 1 3/4
- 3 1/4
-4
> 90 - 95
> 90 - 95
- 1/2
- 1/4

FICO
LTV %
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
+ 1/4
- 1/4
- 1/4
- 1/4
- 1/4
- 2 3/4
720 - 739
+ 1/4
- 1/4
- 1/2
- 1/2
- 1/2
- 1/2
-3
700 - 719
+ 1/4
- 1/2
- 3/4
-1
-1
-1
-1
- 3 1/2
680 - 699
- 1/2
-2
- 1 3/4
- 1 1/2
- 1 1/4
- 1 1/4
- 3 1/2
660 - 679
-1
-2
- 2 1/2
- 2 3/4
- 2 1/4
- 2 1/4
- 4 1/4
640 - 659
- 1/2
- 1 1/4
- 2 1/2
-3
- 3 1/4
- 2 3/4
- 2 3/4
- 4 3/4
620 - 639
- 3/4
- 1 1/2
-3
-3
- 3 1/4
- 3 1/4
- 3 1/4
- 5 1/2
FIXED RATE
30/20 YR FIXED
RATE
4.125%
4.250%
4.375%
4.500%
4.625%
60-DAY
1 + 1.000
1 + 0.500
0 + 1.000
0 + 0.500
0+0
15 YR FIXED
RATE
3.750%
3.875%
4.000%
4.125%
4.250%
60-DAY
1 + 0.750
1 + 0.375
0 + 1.000
0 + 0.625
0 + 0.250
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
640 - 679
680 - 719
720
- 0.500
0.000
3.625%
$40,000+
1 + 0.750
1 + 0.250
3.750%
0 + 0.125
+ 0.250
620 - 639
- 1.500
30 YEAR
3.500%
VA FICO
15 YEAR
3.875%
4.000%
4.125% 4.250%
0+0 [0.375] 0+0 [1.000] 0+0 [1.250] 0+0 [1.625]
3.000%
3.125%
3.250%
3.375%
$40,000+
1 + 0.750
1 + 0.375
0 + 0.375
0+0
3.500%
3.625%
3.750%
0+0 [0.500] 0+0 [0.750] 0+0 [1.250]
$70,000+
1 + 0.500
0 + 1.000
0+0 [0.125] 0+0 [0.625] 0+0 [1.250] 0+0 [1.500] 0+0 [1.875]
$70,000+
1 + 0.500
1 + 0.125
$100,000+
1 + 0.250
0 + 0.750
0+0 [0.375] 0+0 [0.875] 0+0 [1.500] 0+0 [1.750] 0+0 [2.125]
$100,000+
1 + 0.250
0 + 0.875
0+0 [0.125] 0+0 [0.500] 0+0 [1.000] 0+0 [1.250] 0+0 [1.750]
$150,000+
1 + 0.125
0 + 0.625
0+0 [0.500] 0+0 [1.000] 0+0 [1.625] 0+0 [1.875] 0+0 [2.250]
$150,000+
1 + 0.125
0 + 0.750
0+0 [0.250] 0+0 [0.625] 0+0 [1.125] 0+0 [1.375] 0+0 [1.875]
$200,000+
0 + 1.000
0 + 0.500
0+0 [0.625] 0+0 [1.125] 0+0 [1.750] 0+0 [2.000] 0+0 [2.375]
$200,000+
0 + 1.000
0 + 0.625
0+0 [0.375] 0+0 [0.750] 0+0 [1.250] 0+0 [1.500] 0+0 [2.000]
3.875%
4.000%
4.125%
$40,000+
1 + 0.625
0 + 0.875
0 + 0.125
0 + 0.125
0+0 [0.250] 0+0 [0.750] 0+0 [1.000] 0+0 [1.500]
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
4.000%
4.125%
4.250%
$40,000+
1 + 1.375
1 + 0.375
0 + 0.625
20 YEAR
4.375%
4.500%
0+0
4.625% 4.750%
0+0 [0.500] 0+0 [1.375] 0+0 [2.125]
4.250%
4.375%
4.500%
4.625%
0+0 [0.625] 0+0 [1.250] 0+0 [2.000] 0+0 [2.125]
$70,000+
1 + 1.125
1 + 0.125
0 + 0.375
0+0 [0.250] 0+0 [0.750] 0+0 [1.625] 0+0 [2.375]
$70,000+
1 + 0.375
0 + 0.625
0+0 [0.125] 0+0 [0.875] 0+0 [1.500] 0+0 [2.250] 0+0 [2.375]
$100,000+
1 + 0.875
0 + 0.875
0 + 0.125
0+0 [0.500] 0+0 [1.000] 0+0 [1.875] 0+0 [2.625]
$100,000+
1 + 0.125
0 + 0.375
0+0 [0.375] 0+0 [1.125] 0+0 [1.750] 0+0 [2.500] 0+0 [2.625]
$150,000+
1 + 0.750
0 + 0.750
0+0
0+0 [0.625] 0+0 [1.125] 0+0 [2.000] 0+0 [2.750]
$150,000+
0 + 1.000
0 + 0.250
0+0 [0.500] 0+0 [1.250] 0+0 [1.875] 0+0 [2.625] 0+0 [2.750]
$200,000+
1 + 0.625
0 + 0.625
0+0 [0.125] 0+0 [0.750] 0+0 [1.250] 0+0 [2.125] 0+0 [2.875]
$200,000+
0 + 0.875
0 + 0.125
0+0 [0.625] 0+0 [1.375] 0+0 [2.000] 0+0 [2.750] 0+0 [2.875]
3.125%
3.250%
3.375%
3.500%
3.625%
3.750% 3.875%
$40,000+
1 + 1.125
1 + 0.500
0 + 1.000
0 + 0.375
0+0
0+0 [0.375] 0+0 [0.875]
15 YEAR
3.250%
3.375%
3.500%
$40,000+
1 + 0.875
1 + 0.250
0 + 0.625
10 YEAR
3.625%
3.750%
0 + 0.125
3.875%
4.000%
0+0 [0.375] 0+0 [0.875] 0+0 [1.250]
$70,000+
1 + 0.625
0 + 1.000
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.500]
$70,000+
1 + 0.875
1 + 0.250
0 + 0.750
$100,000+
1 + 0.375
0 + 0.750
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [1.750]
$100,000+
1 + 0.625
0 + 1.000
0 + 0.500
0+0 [0.125] 0+0 [0.500] 0+0 [0.875] 0+0 [1.375]
$150,000+
1 + 0.250
0 + 0.625
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.500] 0+0 [1.875]
$150,000+
1 + 0.500
0 + 0.875
0 + 0.375
0+0 [0.250] 0+0 [0.625] 0+0 [1.000] 0+0 [1.500]
$200,000+
1 + 0.125
0 + 0.500
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.625] 0+0 [2.000]
$200,000+
1 + 0.375
0 + 0.750
0 + 0.250
0+0 [0.375] 0+0 [0.750] 0+0 [1.125] 0+0 [1.625]

FICO
0 + 0.125
0+0 [0.250] 0+0 [0.625] 0+0 [1.125]
LTV %
FICO RANGE
< 60
60.01 - 75
75.01 - 80
80.01 - 85
LTV %
MAX CLTV %
< 720
720
740
- 1/4
- 1/4
- 1/2
- 5/8
65
> 80 - 95
- 1/2
- 1/4
720 - 739
- 1/4
-1
- 1 1/4
-2
> 65 - 75
> 80 - 95
- 3/4
- 1/2
700 - 719
- 1/4
- 1 1/8
- 1 1/4
-2
> 75 - 80
> 76 - 90
-1
- 3/4
680 - 699
- 1/4
- 1 1/8
- 1 7/8
-3
> 75 - 80
> 90 - 95
-1
- 3/4
660 - 679
- 1 1/2
- 1 1/4
- 2 1/2
- 3 1/2
> 80 - 90
> 81 - 95
-1
- 3/4
640 - 659
-2
- 1 3/4
- 3 1/4
-4
> 90 - 95
> 90 - 95
- 1/2
- 1/4

FICO
LTV %
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
+ 1/4
- 1/4
- 1/4
- 1/4
- 1/4
- 2 3/4
720 - 739
+ 1/4
- 1/4
- 1/2
- 1/2
- 1/2
- 1/2
-3
700 - 719
+ 1/4
- 1/2
- 3/4
-1
-1
-1
-1
- 3 1/2
680 - 699
- 1/2
-2
- 1 3/4
- 1 1/2
- 1 1/4
- 1 1/4
- 3 1/2
660 - 679
-1
-2
- 2 1/2
- 2 3/4
- 2 1/4
- 2 1/4
- 4 1/4
640 - 659
- 1/2
- 1 1/4
- 2 1/2
-3
- 3 1/4
- 2 3/4
- 2 3/4
- 4 3/4
620 - 639
- 3/4
- 1 1/2
-3
-3
- 3 1/4
- 3 1/4
- 3 1/4
- 5 1/2
FIXED RATE
30/20 YR FIXED
RATE
4.000%
4.125%
4.250%
4.375%
4.500%
60-DAY
1 + 1.375
1 + 0.875
1 + 0.375
0 + 0.875
0 + 0.375
15 YR FIXED
RATE
3.750%
3.875%
4.000%
4.125%
4.250%
60-DAY
1 + 0.750
1 + 0.375
0 + 1.000
0 + 0.625
0 + 0.250
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
640 - 679
680 - 719
720
- 0.500
0.000
3.625%
$40,000+
1 + 0.750
1 + 0.250
3.750%
0 + 0.125
+ 0.250
620 - 639
- 1.500
30 YEAR
3.500%
VA FICO
15 YEAR
3.875%
4.000%
4.125% 4.250%
0+0 [0.375] 0+0 [1.000] 0+0 [1.250] 0+0 [1.625]
3.000%
3.125%
3.250%
3.375%
$40,000+
1 + 0.750
1 + 0.375
0 + 0.375
0+0
3.500%
3.625%
3.750%
0+0 [0.500] 0+0 [0.750] 0+0 [1.250]
$70,000+
1 + 0.500
0 + 1.000
0+0 [0.125] 0+0 [0.625] 0+0 [1.250] 0+0 [1.500] 0+0 [1.875]
$70,000+
1 + 0.500
1 + 0.125
$100,000+
1 + 0.250
0 + 0.750
0+0 [0.375] 0+0 [0.875] 0+0 [1.500] 0+0 [1.750] 0+0 [2.125]
$100,000+
1 + 0.250
0 + 0.875
0+0 [0.125] 0+0 [0.500] 0+0 [1.000] 0+0 [1.250] 0+0 [1.750]
$150,000+
1 + 0.125
0 + 0.625
0+0 [0.500] 0+0 [1.000] 0+0 [1.625] 0+0 [1.875] 0+0 [2.250]
$150,000+
1 + 0.125
0 + 0.750
0+0 [0.250] 0+0 [0.625] 0+0 [1.125] 0+0 [1.375] 0+0 [1.875]
$200,000+
0 + 1.000
0 + 0.500
0+0 [0.625] 0+0 [1.125] 0+0 [1.750] 0+0 [2.000] 0+0 [2.375]
$200,000+
0 + 1.000
0 + 0.625
0+0 [0.375] 0+0 [0.750] 0+0 [1.250] 0+0 [1.500] 0+0 [2.000]
3.875%
4.000%
4.125%
$40,000+
1 + 0.625
0 + 0.875
0 + 0.125
0 + 0.125
0+0 [0.250] 0+0 [0.750] 0+0 [1.000] 0+0 [1.500]
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
4.000%
4.125%
4.250%
$40,000+
1 + 1.375
1 + 0.375
0 + 0.625
20 YEAR
4.375%
4.500%
0+0
4.625% 4.750%
0+0 [0.500] 0+0 [1.375] 0+0 [2.125]
4.250%
4.375%
4.500%
4.625%
0+0 [0.625] 0+0 [1.250] 0+0 [2.000] 0+0 [2.125]
$70,000+
1 + 1.125
1 + 0.125
0 + 0.375
0+0 [0.250] 0+0 [0.750] 0+0 [1.625] 0+0 [2.375]
$70,000+
1 + 0.375
0 + 0.625
0+0 [0.125] 0+0 [0.875] 0+0 [1.500] 0+0 [2.250] 0+0 [2.375]
$100,000+
1 + 0.875
0 + 0.875
0 + 0.125
0+0 [0.500] 0+0 [1.000] 0+0 [1.875] 0+0 [2.625]
$100,000+
1 + 0.125
0 + 0.375
0+0 [0.375] 0+0 [1.125] 0+0 [1.750] 0+0 [2.500] 0+0 [2.625]
$150,000+
1 + 0.750
0 + 0.750
0+0
0+0 [0.625] 0+0 [1.125] 0+0 [2.000] 0+0 [2.750]
$150,000+
0 + 1.000
0 + 0.250
0+0 [0.500] 0+0 [1.250] 0+0 [1.875] 0+0 [2.625] 0+0 [2.750]
$200,000+
1 + 0.625
0 + 0.625
0+0 [0.125] 0+0 [0.750] 0+0 [1.250] 0+0 [2.125] 0+0 [2.875]
$200,000+
0 + 0.875
0 + 0.125
0+0 [0.625] 0+0 [1.375] 0+0 [2.000] 0+0 [2.750] 0+0 [2.875]
3.125%
3.250%
3.375%
3.500%
3.625%
3.750% 3.875%
$40,000+
1 + 1.125
1 + 0.500
0 + 1.000
0 + 0.375
0+0
0+0 [0.375] 0+0 [0.875]
15 YEAR
3.250%
3.375%
3.500%
$40,000+
1 + 0.875
1 + 0.250
0 + 0.625
10 YEAR
3.625%
3.750%
0 + 0.125
3.875%
4.000%
0+0 [0.375] 0+0 [0.875] 0+0 [1.250]
$70,000+
1 + 0.625
0 + 1.000
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.500]
$70,000+
1 + 0.875
1 + 0.250
0 + 0.750
$100,000+
1 + 0.375
0 + 0.750
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [1.750]
$100,000+
1 + 0.625
0 + 1.000
0 + 0.500
0+0 [0.125] 0+0 [0.500] 0+0 [0.875] 0+0 [1.375]
$150,000+
1 + 0.250
0 + 0.625
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.500] 0+0 [1.875]
$150,000+
1 + 0.500
0 + 0.875
0 + 0.375
0+0 [0.250] 0+0 [0.625] 0+0 [1.000] 0+0 [1.500]
$200,000+
1 + 0.125
0 + 0.500
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.625] 0+0 [2.000]
$200,000+
1 + 0.375
0 + 0.750
0 + 0.250
0+0 [0.375] 0+0 [0.750] 0+0 [1.125] 0+0 [1.625]

FICO
0 + 0.125
0+0 [0.250] 0+0 [0.625] 0+0 [1.125]
LTV %
FICO RANGE
< 60
60.01 - 75
75.01 - 80
80.01 - 85
LTV %
MAX CLTV %
< 720
720
740
- 1/4
- 1/4
- 1/2
- 5/8
65
> 80 - 95
- 1/2
- 1/4
720 - 739
- 1/4
-1
- 1 1/4
-2
> 65 - 75
> 80 - 95
- 3/4
- 1/2
700 - 719
- 1/4
- 1 1/8
- 1 1/4
-2
> 75 - 80
> 76 - 90
-1
- 3/4
680 - 699
- 1/4
- 1 1/8
- 1 7/8
-3
> 75 - 80
> 90 - 95
-1
- 3/4
660 - 679
- 1 1/2
- 1 1/4
- 2 1/2
- 3 1/2
> 80 - 90
> 81 - 95
-1
- 3/4
640 - 659
-2
- 1 3/4
- 3 1/4
-4
> 90 - 95
> 90 - 95
- 1/2
- 1/4

FICO
LTV %
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
+ 1/4
- 1/4
- 1/4
- 1/4
- 1/4
- 2 3/4
720 - 739
+ 1/4
- 1/4
- 1/2
- 1/2
- 1/2
- 1/2
-3
700 - 719
+ 1/4
- 1/2
- 3/4
-1
-1
-1
-1
- 3 1/2
680 - 699
- 1/2
-2
- 1 3/4
- 1 1/2
- 1 1/4
- 1 1/4
- 3 1/2
660 - 679
-1
-2
- 2 1/2
- 2 3/4
- 2 1/4
- 2 1/4
- 4 1/4
640 - 659
- 1/2
- 1 1/4
- 2 1/2
-3
- 3 1/4
- 2 3/4
- 2 3/4
- 4 3/4
620 - 639
- 3/4
- 1 1/2
-3
-3
- 3 1/4
- 3 1/4
- 3 1/4
- 5 1/2
FIXED RATE
30/20 YR FIXED
RATE
4.000%
4.125%
4.250%
4.375%
4.500%
60-DAY
1 + 1.375
1 + 0.875
1 + 0.375
0 + 0.875
0 + 0.375
15 YR FIXED
RATE
3.750%
3.875%
4.000%
4.125%
4.250%
60-DAY
1 + 0.750
1 + 0.375
0 + 1.000
0 + 0.625
0 + 0.250
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
640 - 679
680 - 719
720
- 0.500
0.000
3.625%
$40,000+
1 + 0.625
1 + 0.125
3.750%
0+0
+ 0.250
620 - 639
- 1.500
30 YEAR
3.500%
VA FICO
15 YEAR
3.875%
4.000%
4.125% 4.250%
0+0 [0.500] 0+0 [1.125] 0+0 [1.500] 0+0 [1.750]
2.875%
3.000%
3.125%
3.250%
$40,000+
1 + 0.875
1 + 0.375
1 + 0.125
0+0
3.375%
3.500%
3.625%
0+0 [0.375] 0+0 [0.750] 0+0 [1.125]
$70,000+
1 + 0.375
0 + 0.875
0+0 [0.250] 0+0 [0.750] 0+0 [1.375] 0+0 [1.750] 0+0 [2.000]
$70,000+
1 + 0.625
1 + 0.125
0 + 0.875
0+0 [0.250] 0+0 [0.625] 0+0 [1.000] 0+0 [1.375]
$100,000+
1 + 0.125
0 + 0.625
0+0 [0.500] 0+0 [1.000] 0+0 [1.625] 0+0 [2.000] 0+0 [2.250]
$100,000+
1 + 0.375
0 + 0.875
0 + 0.625
0+0 [0.500] 0+0 [0.875] 0+0 [1.250] 0+0 [1.625]
$150,000+
0 + 1.000
0 + 0.500
0+0 [0.625] 0+0 [1.125] 0+0 [1.750] 0+0 [2.125] 0+0 [2.375]
$150,000+
1 + 0.250
0 + 0.750
0 + 0.500
0+0 [0.625] 0+0 [1.000] 0+0 [1.375] 0+0 [1.750]
$200,000+
0 + 0.875
0 + 0.375
0+0 [0.750] 0+0 [1.250] 0+0 [1.875] 0+0 [2.250] 0+0 [2.500]
$200,000+
1 + 0.125
0 + 0.625
0 + 0.375
0+0 [0.750] 0+0 [1.125] 0+0 [1.500] 0+0 [1.875]
3.750%
3.875%
4.000%
4.125%
$40,000+
1 + 1.000
1 + 0.500
0 + 0.750
0+0
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
4.000%
4.125%
4.250%
20 YEAR
4.375%
4.500%
4.625% 4.750%
$40,000+
1 + 1.125
1 + 0.250
0 + 0.500
0+0 [0.125] 0+0 [0.750] 0+0 [1.625] 0+0 [2.250]
4.250%
4.375%
4.500%
0+0 [0.750] 0+0 [1.500] 0+0 [2.125]
$70,000+
1 + 0.875
0 + 1.000
0 + 0.250
0+0 [0.375] 0+0 [1.000] 0+0 [1.875] 0+0 [2.500]
$70,000+
1 + 0.750
1 + 0.250
0 + 0.500
0+0 [0.250] 0+0 [1.000] 0+0 [1.750] 0+0 [2.375]
$100,000+
1 + 0.625
0 + 0.750
0+0
0+0 [0.625] 0+0 [1.250] 0+0 [2.125] 0+0 [2.750]
$100,000+
1 + 0.500
0 + 1.000
0 + 0.250
0+0 [0.500] 0+0 [1.250] 0+0 [2.000] 0+0 [2.625]
$150,000+
1 + 0.500
0 + 0.625
0+0 [0.125] 0+0 [0.750] 0+0 [1.375] 0+0 [2.250] 0+0 [2.875]
$150,000+
1 + 0.375
0 + 0.875
0 + 0.125
0+0 [0.625] 0+0 [1.375] 0+0 [2.125] 0+0 [2.750]
$200,000+
1 + 0.375
0 + 0.500
0+0 [0.250] 0+0 [0.875] 0+0 [1.500] 0+0 [2.375] 0+0 [3.000]
$200,000+
1 + 0.250
0 + 0.750
0+0
0+0 [0.750] 0+0 [1.500] 0+0 [2.250] 0+0 [2.875]
3.125%
3.250%
3.375%
3.500%
$40,000+
1 + 0.875
1 + 0.250
0 + 0.750
0 + 0.250
0+0 [0.250] 0+0 [0.625] 0+0 [1.000]
0+0
0+0 [0.500] 0+0 [0.875] 0+0 [1.250]
15 YEAR
3.250%
3.375%
$40,000+
1 + 0.625
0 + 1.000
3.500%
10 YEAR
3.625%
3.750%
3.875%
4.000%
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.375]
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [1.625]
3.625%
3.750% 3.875%
$70,000+
1 + 0.375
0 + 0.750
$70,000+
1 + 0.625
0 + 1.000
0 + 0.500
$100,000+
1 + 0.125
0 + 0.500
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.625] 0+0 [1.875]
$100,000+
1 + 0.375
0 + 0.750
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.125] 0+0 [1.500]
$150,000+
0 + 1.000
0 + 0.375
0+0 [0.250] 0+0 [0.750] 0+0 [1.250] 0+0 [1.750] 0+0 [2.000]
$150,000+
1 + 0.250
0 + 0.625
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.250] 0+0 [1.625]
$200,000+
0 + 0.875
0 + 0.250
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [1.875] 0+0 [2.125]
$200,000+
1 + 0.125
0 + 0.500
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.375] 0+0 [1.750]

FICO
LTV %
FICO RANGE
< 60
60.01 - 75
75.01 - 80
80.01 - 85
LTV %
MAX CLTV %
< 720
720
740
- 1/4
- 1/4
- 1/2
- 5/8
65
> 80 - 95
- 1/2
- 1/4
720 - 739
- 1/4
-1
- 1 1/4
-2
> 65 - 75
> 80 - 95
- 3/4
- 1/2
700 - 719
- 1/4
- 1 1/8
- 1 1/4
-2
> 75 - 80
> 76 - 90
-1
- 3/4
680 - 699
- 1/4
- 1 1/8
- 1 7/8
-3
> 75 - 80
> 90 - 95
-1
- 3/4
660 - 679
- 1 1/2
- 1 1/4
- 2 1/2
- 3 1/2
> 80 - 90
> 81 - 95
-1
- 3/4
640 - 659
-2
- 1 3/4
- 3 1/4
-4
> 90 - 95
> 90 - 95
- 1/2
- 1/4

FICO
LTV %
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
+ 1/4
- 1/4
- 1/4
- 1/4
- 1/4
- 2 3/4
720 - 739
+ 1/4
- 1/4
- 1/2
- 1/2
- 1/2
- 1/2
-3
700 - 719
+ 1/4
- 1/2
- 3/4
-1
-1
-1
-1
- 3 1/2
680 - 699
- 1/2
-2
- 1 3/4
- 1 1/2
- 1 1/4
- 1 1/4
- 3 1/2
660 - 679
-1
-2
- 2 1/2
- 2 3/4
- 2 1/4
- 2 1/4
- 4 1/4
640 - 659
- 1/2
- 1 1/4
- 2 1/2
-3
- 3 1/4
- 2 3/4
- 2 3/4
- 4 3/4
620 - 639
- 3/4
- 1 1/2
-3
-3
- 3 1/4
- 3 1/4
- 3 1/4
- 5 1/2
FIXED RATE
30/20 YR FIXED
RATE
4.000%
4.125%
4.250%
4.375%
4.500%
60-DAY
1 + 1.375
1 + 0.875
1 + 0.375
0 + 0.875
0 + 0.375
15 YR FIXED
RATE
3.750%
3.875%
4.000%
4.125%
4.250%
60-DAY
1 + 0.625
1 + 0.250
0 + 0.875
0 + 0.500
0 + 0.125
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
640 - 679
680 - 719
720
- 0.500
0.000
3.500%
3.625%
+ 0.250
620 - 639
- 1.500
30 YEAR
3.375%
VA FICO
15 YEAR
3.750%
3.875%
4.000% 4.125%
$40,000+
1 + 0.875
1 + 0.250
0 + 0.750
0+0 [0.250] 0+0 [0.750] 0+0 [1.375] 0+0 [1.750]
2.875%
3.000%
3.125%
3.250%
$40,000+
1 + 0.750
1 + 0.375
0 + 1.000
0+0
3.375%
3.500%
3.625%
0+0 [0.375] 0+0 [0.875] 0+0 [1.125]
$70,000+
1 + 0.625
0 + 1.000
0 + 0.500
0+0 [0.500] 0+0 [1.000] 0+0 [1.625] 0+0 [2.000]
$70,000+
1 + 0.500
1 + 0.125
0 + 0.750
0+0 [0.250] 0+0 [0.625] 0+0 [1.125] 0+0 [1.375]
$100,000+
1 + 0.375
0 + 0.750
0 + 0.250
0+0 [0.750] 0+0 [1.250] 0+0 [1.875] 0+0 [2.250]
$100,000+
1 + 0.250
0 + 0.875
0 + 0.500
0+0 [0.500] 0+0 [0.875] 0+0 [1.375] 0+0 [1.625]
$150,000+
1 + 0.250
0 + 0.625
0 + 0.125
0+0 [0.875] 0+0 [1.375] 0+0 [2.000] 0+0 [2.375]
$150,000+
1 + 0.125
0 + 0.750
0 + 0.375
0+0 [0.625] 0+0 [1.000] 0+0 [1.500] 0+0 [1.750]
$200,000+
1 + 0.125
0 + 0.500
0+0
0+0 [1.000] 0+0 [1.500] 0+0 [2.125] 0+0 [2.500]
$200,000+
0 + 1.000
0 + 0.625
0 + 0.250
0+0 [0.750] 0+0 [1.125] 0+0 [1.625] 0+0 [1.875]
3.750%
3.875%
4.000%
$40,000+
1 + 0.750
1 + 0.250
0 + 0.500
0+0 [0.250] 0+0 [1.000] 0+0 [1.625] 0+0 [2.125]
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
4.000%
4.125%
$40,000+
1 + 1.000
0 + 1.000
4.250%
20 YEAR
4.375%
4.500%
4.625% 4.750%
0 + 0.250
0+0 [0.375] 0+0 [0.875] 0+0 [1.750] 0+0 [2.375]
0+0
0+0 [0.625] 0+0 [1.125] 0+0 [2.000] 0+0 [2.625]
4.125%
4.250%
4.375%
4.500%
$70,000+
1 + 0.750
0 + 0.750
$70,000+
1 + 0.500
0 + 1.000
0 + 0.250
0+0 [0.500] 0+0 [1.250] 0+0 [1.875] 0+0 [2.375]
$100,000+
1 + 0.500
0 + 0.500
0+0 [0.250] 0+0 [0.875] 0+0 [1.375] 0+0 [2.250] 0+0 [2.875]
$100,000+
1 + 0.250
0 + 0.750
0+0
0+0 [0.750] 0+0 [1.500] 0+0 [2.125] 0+0 [2.625]
$150,000+
1 + 0.375
0 + 0.375
0+0 [0.375] 0+0 [1.000] 0+0 [1.500] 0+0 [2.375] 0+0 [3.000]
$150,000+
1 + 0.125
0 + 0.625
0+0 [0.125] 0+0 [0.875] 0+0 [1.625] 0+0 [2.250] 0+0 [2.750]
$200,000+
1 + 0.250
0 + 0.250
0+0 [0.500] 0+0 [1.125] 0+0 [1.625] 0+0 [2.500] 0+0 [3.125]
$200,000+
0 + 1.000
0 + 0.500
0+0 [0.250] 0+0 [1.000] 0+0 [1.750] 0+0 [2.375] 0+0 [2.875]
3.125%
3.250%
3.375%
3.500%
$40,000+
1 + 0.750
1 + 0.125
0 + 0.500
0+0
15 YEAR
3.125%
3.250%
3.375%
$40,000+
1 + 1.000
1 + 0.500
0 + 0.875
10 YEAR
3.500%
3.625%
3.750%
3.875%
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.250]
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.500]
3.625%
3.750% 3.875%
0+0 [0.500] 0+0 [0.875] 0+0 [1.250]
$70,000+
1 + 0.750
1 + 0.250
0 + 0.625
$70,000+
1 + 0.500
0 + 0.875
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.125] 0+0 [1.500]
$100,000+
1 + 0.500
0 + 1.000
0 + 0.375
0+0 [0.250] 0+0 [0.750] 0+0 [1.250] 0+0 [1.750]
$100,000+
1 + 0.250
0 + 0.625
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.375] 0+0 [1.750]
$150,000+
1 + 0.375
0 + 0.875
0 + 0.250
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [1.875]
$150,000+
1 + 0.125
0 + 0.500
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.500] 0+0 [1.875]
$200,000+
1 + 0.250
0 + 0.750
0 + 0.125
0+0 [0.500] 0+0 [1.000] 0+0 [1.500] 0+0 [2.000]
$200,000+
0 + 1.000
0 + 0.375
0+0 [0.250] 0+0 [0.750] 0+0 [1.250] 0+0 [1.625] 0+0 [2.000]

FICO
LTV %
FICO RANGE
< 60
60.01 - 75
75.01 - 80
80.01 - 85
LTV %
MAX CLTV %
< 720
720
740
- 1/4
- 1/4
- 1/2
- 5/8
65
> 80 - 95
- 1/2
- 1/4
720 - 739
- 1/4
-1
- 1 1/4
-2
> 65 - 75
> 80 - 95
- 3/4
- 1/2
700 - 719
- 1/4
- 1 1/8
- 1 1/4
-2
> 75 - 80
> 76 - 90
-1
- 3/4
680 - 699
- 1/4
- 1 1/8
- 1 7/8
-3
> 75 - 80
> 90 - 95
-1
- 3/4
660 - 679
- 1 1/2
- 1 1/4
- 2 1/2
- 3 1/2
> 80 - 90
> 81 - 95
-1
- 3/4
640 - 659
-2
- 1 3/4
- 3 1/4
-4
> 90 - 95
> 90 - 95
- 1/2
- 1/4

FICO
LTV %
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
+ 1/4
- 1/4
- 1/4
- 1/4
- 1/4
- 2 3/4
720 - 739
+ 1/4
- 1/4
- 1/2
- 1/2
- 1/2
- 1/2
-3
700 - 719
+ 1/4
- 1/2
- 3/4
-1
-1
-1
-1
- 3 1/2
680 - 699
- 1/2
-2
- 1 3/4
- 1 1/2
- 1 1/4
- 1 1/4
- 3 1/2
660 - 679
-1
-2
- 2 1/2
- 2 3/4
- 2 1/4
- 2 1/4
- 4 1/4
640 - 659
- 1/2
- 1 1/4
- 2 1/2
-3
- 3 1/4
- 2 3/4
- 2 3/4
- 4 3/4
620 - 639
- 3/4
- 1 1/2
-3
-3
- 3 1/4
- 3 1/4
- 3 1/4
- 5 1/2
FIXED RATE
30/20 YR FIXED
RATE
4.000%
4.125%
4.250%
4.375%
4.500%
60-DAY
1 + 1.375
1 + 0.875
1 + 0.375
0 + 0.875
0 + 0.375
15 YR FIXED
RATE
3.750%
3.875%
4.000%
4.125%
4.250%
60-DAY
1 + 0.750
1 + 0.375
0 + 1.000
0 + 0.625
0 + 0.250
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
640 - 679
680 - 719
720
- 0.500
0.000
3.500%
3.625%
$40,000+
1 + 1.125
1 + 0.500
0 + 1.000
+ 0.250
620 - 639
- 1.500
30 YEAR
3.375%
VA FICO
15 YEAR
3.750%
3.875%
0+0
4.000% 4.125%
0+0 [0.625] 0+0 [1.125] 0+0 [1.500]
2.875%
3.000%
3.125%
3.250%
$40,000+
1 + 0.875
1 + 0.375
1 + 0.125
0+0
3.375%
3.500%
3.625%
0+0 [0.375] 0+0 [0.750] 0+0 [1.125]
$70,000+
1 + 0.875
1 + 0.250
0 + 0.750
0+0 [0.250] 0+0 [0.875] 0+0 [1.375] 0+0 [1.750]
$70,000+
1 + 0.625
1 + 0.125
0 + 0.875
0+0 [0.250] 0+0 [0.625] 0+0 [1.000] 0+0 [1.375]
$100,000+
1 + 0.625
0 + 1.000
0 + 0.500
0+0 [0.500] 0+0 [1.125] 0+0 [1.625] 0+0 [2.000]
$100,000+
1 + 0.375
0 + 0.875
0 + 0.625
0+0 [0.500] 0+0 [0.875] 0+0 [1.250] 0+0 [1.625]
$150,000+
1 + 0.500
0 + 0.875
0 + 0.375
0+0 [0.625] 0+0 [1.250] 0+0 [1.750] 0+0 [2.125]
$150,000+
1 + 0.250
0 + 0.750
0 + 0.500
0+0 [0.625] 0+0 [1.000] 0+0 [1.375] 0+0 [1.750]
$200,000+
1 + 0.375
0 + 0.750
0 + 0.250
0+0 [0.750] 0+0 [1.375] 0+0 [1.875] 0+0 [2.250]
$200,000+
1 + 0.125
0 + 0.625
0 + 0.375
0+0 [0.750] 0+0 [1.125] 0+0 [1.500] 0+0 [1.875]
3.750%
3.875%
4.000%
$40,000+
1 + 1.000
1 + 0.500
0 + 1.000
0+0 [0.125] 0+0 [0.875] 0+0 [1.500] 0+0 [2.125]
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
4.000%
4.125%
$40,000+
1 + 1.125
1 + 0.250
4.250%
20 YEAR
4.375%
4.500%
4.625% 4.750%
0 + 0.375
0+0 [0.125] 0+0 [0.750] 0+0 [1.625] 0+0 [2.250]
0 + 0.125
0+0 [0.375] 0+0 [1.000] 0+0 [1.875] 0+0 [2.500]
4.125%
4.250%
4.375%
4.500%
$70,000+
1 + 0.875
0 + 1.000
$70,000+
1 + 0.750
1 + 0.250
0 + 0.750
0+0 [0.375] 0+0 [1.125] 0+0 [1.750] 0+0 [2.375]
$100,000+
1 + 0.625
0 + 0.750
0+0 [0.125] 0+0 [0.625] 0+0 [1.250] 0+0 [2.125] 0+0 [2.750]
$100,000+
1 + 0.500
0 + 1.000
0 + 0.500
0+0 [0.625] 0+0 [1.375] 0+0 [2.000] 0+0 [2.625]
$150,000+
1 + 0.500
0 + 0.625
0+0 [0.250] 0+0 [0.750] 0+0 [1.375] 0+0 [2.250] 0+0 [2.875]
$150,000+
1 + 0.375
0 + 0.875
0 + 0.375
0+0 [0.750] 0+0 [1.500] 0+0 [2.125] 0+0 [2.750]
$200,000+
1 + 0.375
0 + 0.500
0+0 [0.375] 0+0 [0.875] 0+0 [1.500] 0+0 [2.375] 0+0 [3.000]
$200,000+
1 + 0.250
0 + 0.750
0 + 0.250
0+0 [0.875] 0+0 [1.625] 0+0 [2.250] 0+0 [2.875]
3.125%
3.250%
3.375%
3.500%
$40,000+
1 + 0.875
1 + 0.125
0 + 0.625
0 + 0.125
15 YEAR
3.250%
3.375%
$40,000+
1 + 0.625
0 + 1.000
3.500%
10 YEAR
3.625%
3.750%
3.875%
4.000%
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.375]
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [1.625]
3.625%
3.750% 3.875%
0+0 [0.375] 0+0 [0.750] 0+0 [1.125]
$70,000+
1 + 0.375
0 + 0.750
$70,000+
1 + 0.625
0 + 0.875
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.000] 0+0 [1.375]
$100,000+
1 + 0.125
0 + 0.500
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.625] 0+0 [1.875]
$100,000+
1 + 0.375
0 + 0.625
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.250] 0+0 [1.625]
$150,000+
0 + 1.000
0 + 0.375
0+0 [0.250] 0+0 [0.750] 0+0 [1.250] 0+0 [1.750] 0+0 [2.000]
$150,000+
1 + 0.250
0 + 0.500
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.375] 0+0 [1.750]
$200,000+
0 + 0.875
0 + 0.250
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [1.875] 0+0 [2.125]
$200,000+
1 + 0.125
0 + 0.375

FICO
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.500] 0+0 [1.875]
LTV %
FICO RANGE
< 60
60.01 - 75
75.01 - 80
80.01 - 85
LTV %
MAX CLTV %
< 720
720
740
- 1/4
- 1/4
- 1/2
- 5/8
65
> 80 - 95
- 1/2
- 1/4
720 - 739
- 1/4
-1
- 1 1/4
-2
> 65 - 75
> 80 - 95
- 3/4
- 1/2
700 - 719
- 1/4
- 1 1/8
- 1 1/4
-2
> 75 - 80
> 76 - 90
-1
- 3/4
680 - 699
- 1/4
- 1 1/8
- 1 7/8
-3
> 75 - 80
> 90 - 95
-1
- 3/4
660 - 679
- 1 1/2
- 1 1/4
- 2 1/2
- 3 1/2
> 80 - 90
> 81 - 95
-1
- 3/4
640 - 659
-2
- 1 3/4
- 3 1/4
-4
> 90 - 95
> 90 - 95
- 1/2
- 1/4

FICO
LTV %
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
+ 1/4
- 1/4
- 1/4
- 1/4
- 1/4
- 2 3/4
720 - 739
+ 1/4
- 1/4
- 1/2
- 1/2
- 1/2
- 1/2
-3
700 - 719
+ 1/4
- 1/2
- 3/4
-1
-1
-1
-1
- 3 1/2
680 - 699
- 1/2
-2
- 1 3/4
- 1 1/2
- 1 1/4
- 1 1/4
- 3 1/2
660 - 679
-1
-2
- 2 1/2
- 2 3/4
- 2 1/4
- 2 1/4
- 4 1/4
640 - 659
- 1/2
- 1 1/4
- 2 1/2
-3
- 3 1/4
- 2 3/4
- 2 3/4
- 4 3/4
620 - 639
- 3/4
- 1 1/2
-3
-3
- 3 1/4
- 3 1/4
- 3 1/4
- 5 1/2
FIXED RATE
30/20 YR FIXED
RATE
4.125%
4.250%
4.375%
4.500%
4.625%
60-DAY
1 + 1.000
1 + 0.500
0 + 1.000
0 + 0.500
0+0
15 YR FIXED
RATE
3.750%
3.875%
4.000%
4.125%
4.250%
60-DAY
1 + 0.625
1 + 0.250
0 + 0.875
0 + 0.500
0 + 0.125
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
640 - 679
680 - 719
720
- 0.500
0.000
3.750%
3.875%
+ 0.250
620 - 639
- 1.500
30 YEAR
3.625%
VA FICO
15 YEAR
4.000%
4.125%
4.250% 4.375%
$40,000+
1 + 0.750
0 + 0.500
0+0 [0.125] 0+0 [0.625] 0+0 [1.000] 0+0 [1.250] 0+0 [1.625]
3.125%
3.250%
3.375%
$40,000+
1 + 0.625
0 + 0.500
0+0
3.500%
3.625%
3.750%
3.875%
0+0 [0.375] 0+0 [0.750] 0+0 [1.125] 0+0 [1.500]
$70,000+
1 + 0.500
0 + 0.250
0+0 [0.375] 0+0 [0.875] 0+0 [1.250] 0+0 [1.500] 0+0 [1.875]
$70,000+
1 + 0.375
0 + 0.250
0+0 [0.250] 0+0 [0.625] 0+0 [1.000] 0+0 [1.375] 0+0 [1.750]
$100,000+
1 + 0.250
0+0
0+0 [0.625] 0+0 [1.125] 0+0 [1.500] 0+0 [1.750] 0+0 [2.125]
$100,000+
1 + 0.125
0+0
0+0 [0.500] 0+0 [0.875] 0+0 [1.250] 0+0 [1.625] 0+0 [2.000]
$150,000+
1 + 0.125
0+0 [0.125] 0+0 [0.750] 0+0 [1.250] 0+0 [1.625] 0+0 [1.875] 0+0 [2.250]
$150,000+
0 + 1.000
0+0 [0.125] 0+0 [0.625] 0+0 [1.000] 0+0 [1.375] 0+0 [1.750] 0+0 [2.125]
$200,000+
0 + 1.000
0+0 [0.250] 0+0 [0.875] 0+0 [1.375] 0+0 [1.750] 0+0 [2.000] 0+0 [2.375]
$200,000+
0 + 0.875
0+0 [0.250] 0+0 [0.750] 0+0 [1.125] 0+0 [1.500] 0+0 [1.875] 0+0 [2.250]
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
4.125%
4.250%
$40,000+
1 + 0.750
0 + 1.000
4.375%
20 YEAR
4.500%
4.625%
4.750% 4.875%
0 + 0.375
0+0 [0.250] 0+0 [1.125] 0+0 [1.875] 0+0 [2.375]
0 + 0.125
0+0 [0.500] 0+0 [1.375] 0+0 [2.125] 0+0 [2.625]
3.875%
4.000%
4.125%
$40,000+
1 + 1.000
1 + 0.250
0 + 0.500
0+0 [0.375] 0+0 [1.125] 0+0 [1.750] 0+0 [2.125]
4.250%
4.375%
4.500%
4.625%
$70,000+
1 + 0.500
0 + 0.750
$70,000+
1 + 0.750
0 + 1.000
0 + 0.250
0+0 [0.625] 0+0 [1.375] 0+0 [2.000] 0+0 [2.375]
$100,000+
1 + 0.250
0 + 0.500
0+0 [0.125] 0+0 [0.750] 0+0 [1.625] 0+0 [2.375] 0+0 [2.875]
$100,000+
1 + 0.500
0 + 0.750
0+0
0+0 [0.875] 0+0 [1.625] 0+0 [2.250] 0+0 [2.625]
$150,000+
1 + 0.125
0 + 0.375
0+0 [0.250] 0+0 [0.875] 0+0 [1.750] 0+0 [2.500] 0+0 [3.000]
$150,000+
1 + 0.375
0 + 0.625
0+0 [0.125] 0+0 [1.000] 0+0 [1.750] 0+0 [2.375] 0+0 [2.750]
$200,000+
0 + 1.000
0 + 0.250
0+0 [0.375] 0+0 [1.000] 0+0 [1.875] 0+0 [2.625] 0+0 [3.125]
$200,000+
1 + 0.250
0 + 0.500
0+0 [0.250] 0+0 [1.125] 0+0 [1.875] 0+0 [2.500] 0+0 [2.875]
3.250%
3.375%
3.500%
3.625%
$40,000+
1 + 0.625
1 + 0.125
0 + 0.625
0 + 0.125
15 YEAR
3.250%
3.375%
3.500%
$40,000+
1 + 1.000
1 + 0.375
0 + 0.750
10 YEAR
3.625%
3.750%
3.875%
4.000%
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.125]
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.375]
3.750%
3.875% 4.000%
0+0 [0.250] 0+0 [0.750] 0+0 [1.125]
$70,000+
1 + 0.750
1 + 0.125
0 + 0.500
$70,000+
1 + 0.375
0 + 0.875
0 + 0.375
0+0 [0.125] 0+0 [0.500] 0+0 [1.000] 0+0 [1.375]
$100,000+
1 + 0.500
0 + 0.875
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.250] 0+0 [1.625]
$100,000+
1 + 0.125
0 + 0.625
0 + 0.125
0+0 [0.375] 0+0 [0.750] 0+0 [1.250] 0+0 [1.625]
$150,000+
1 + 0.375
0 + 0.750
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [1.750]
$150,000+
0 + 1.000
0 + 0.500
0+0
0+0 [0.500] 0+0 [0.875] 0+0 [1.375] 0+0 [1.750]
$200,000+
1 + 0.250
0 + 0.625
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.500] 0+0 [1.875]
$200,000+
0 + 0.875
0 + 0.375

FICO
0+0 [0.125] 0+0 [0.625] 0+0 [1.000] 0+0 [1.500] 0+0 [1.875]
LTV %
FICO RANGE
< 60
60.01 - 75
75.01 - 80
80.01 - 85
LTV %
MAX CLTV %
< 720
720
740
- 1/4
- 1/4
- 1/2
- 5/8
65
> 80 - 95
- 1/2
- 1/4
720 - 739
- 1/4
-1
- 1 1/4
-2
> 65 - 75
> 80 - 95
- 3/4
- 1/2
700 - 719
- 1/4
- 1 1/8
- 1 1/4
-2
> 75 - 80
> 76 - 90
-1
- 3/4
680 - 699
- 1/4
- 1 1/8
- 1 7/8
-3
> 75 - 80
> 90 - 95
-1
- 3/4
660 - 679
- 1 1/2
- 1 1/4
- 2 1/2
- 3 1/2
> 80 - 90
> 81 - 95
-1
- 3/4
640 - 659
-2
- 1 3/4
- 3 1/4
-4
> 90 - 95
> 90 - 95
- 1/2
- 1/4

FICO
LTV %
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
+ 1/4
- 1/4
- 1/4
- 1/4
- 1/4
- 2 3/4
720 - 739
+ 1/4
- 1/4
- 1/2
- 1/2
- 1/2
- 1/2
-3
700 - 719
+ 1/4
- 1/2
- 3/4
-1
-1
-1
-1
- 3 1/2
680 - 699
- 1/2
-2
- 1 3/4
- 1 1/2
- 1 1/4
- 1 1/4
- 3 1/2
660 - 679
-1
-2
- 2 1/2
- 2 3/4
- 2 1/4
- 2 1/4
- 4 1/4
640 - 659
- 1/2
- 1 1/4
- 2 1/2
-3
- 3 1/4
- 2 3/4
- 2 3/4
- 4 3/4
620 - 639
- 3/4
- 1 1/2
-3
-3
- 3 1/4
- 3 1/4
- 3 1/4
- 5 1/2
FIXED RATE
30/20 YR FIXED
RATE
4.250%
4.375%
4.500%
4.625%
4.750%
60-DAY
1 + 1.125
1 + 0.625
1 + 0.125
0 + 0.625
0 + 0.125
15 YR FIXED
RATE
3.875%
4.000%
4.125%
4.250%
4.375%
60-DAY
1 + 0.625
1 + 0.250
0 + 0.875
0 + 0.500
0 + 0.125
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
640 - 679
680 - 719
720
- 0.500
0.000
3.750%
3.875%
+ 0.250
620 - 639
- 1.500
30 YEAR
3.625%
VA FICO
15 YEAR
4.000%
4.125%
4.250% 4.375%
$40,000+
1 + 0.625
0 + 0.500
0+0 [0.125] 0+0 [0.625] 0+0 [1.000] 0+0 [1.375] 0+0 [1.750]
3.000%
3.125%
3.250%
3.375%
$40,000+
1 + 0.750
1 + 0.375
0 + 0.500
0+0
3.500%
3.625%
3.750%
0+0 [0.375] 0+0 [0.750] 0+0 [1.125]
$70,000+
1 + 0.375
0 + 0.250
0+0 [0.375] 0+0 [0.875] 0+0 [1.250] 0+0 [1.625] 0+0 [2.000]
$70,000+
1 + 0.500
1 + 0.125
0 + 0.250
0+0 [0.250] 0+0 [0.625] 0+0 [1.000] 0+0 [1.375]
$100,000+
1 + 0.125
0+0
0+0 [0.625] 0+0 [1.125] 0+0 [1.500] 0+0 [1.875] 0+0 [2.250]
$100,000+
1 + 0.250
0 + 0.875
0+0
0+0 [0.500] 0+0 [0.875] 0+0 [1.250] 0+0 [1.625]
$150,000+
0 + 1.000
0+0 [0.125] 0+0 [0.750] 0+0 [1.250] 0+0 [1.625] 0+0 [2.000] 0+0 [2.375]
$150,000+
1 + 0.125
0 + 0.750
0+0 [0.125] 0+0 [0.625] 0+0 [1.000] 0+0 [1.375] 0+0 [1.750]
$200,000+
0 + 0.875
0+0 [0.250] 0+0 [0.875] 0+0 [1.375] 0+0 [1.750] 0+0 [2.125] 0+0 [2.500]
$200,000+
0 + 1.000
0 + 0.625
0+0 [0.250] 0+0 [0.750] 0+0 [1.125] 0+0 [1.500] 0+0 [1.875]
3.875%
4.000%
4.125%
$40,000+
1 + 1.000
1 + 0.125
0 + 0.375
0+0 [0.500] 0+0 [1.125] 0+0 [1.875] 0+0 [2.125]
0 + 0.125
0+0 [0.750] 0+0 [1.375] 0+0 [2.125] 0+0 [2.375]
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
4.125%
4.250%
$40,000+
1 + 0.625
0 + 0.875
4.375%
20 YEAR
4.500%
4.625%
4.750% 4.875%
0 + 0.250
0+0 [0.375] 0+0 [1.250] 0+0 [2.000] 0+0 [2.500]
0+0
0+0 [0.625] 0+0 [1.500] 0+0 [2.250] 0+0 [2.750]
4.250%
4.375%
4.500%
4.625%
$70,000+
1 + 0.375
0 + 0.625
$70,000+
1 + 0.750
0 + 0.875
$100,000+
1 + 0.125
0 + 0.375
0+0 [0.250] 0+0 [0.875] 0+0 [1.750] 0+0 [2.500] 0+0 [3.000]
$100,000+
1 + 0.500
0 + 0.625
0+0 [0.125] 0+0 [1.000] 0+0 [1.625] 0+0 [2.375] 0+0 [2.625]
$150,000+
0 + 1.000
0 + 0.250
0+0 [0.375] 0+0 [1.000] 0+0 [1.875] 0+0 [2.625] 0+0 [3.125]
$150,000+
1 + 0.375
0 + 0.500
0+0 [0.250] 0+0 [1.125] 0+0 [1.750] 0+0 [2.500] 0+0 [2.750]
$200,000+
0 + 0.875
0 + 0.125
0+0 [0.500] 0+0 [1.125] 0+0 [2.000] 0+0 [2.750] 0+0 [3.250]
$200,000+
1 + 0.250
0 + 0.375
0+0 [0.375] 0+0 [1.250] 0+0 [1.875] 0+0 [2.625] 0+0 [2.875]
3.125%
3.250%
3.375%
3.500%
3.625%
3.750% 3.875%
$40,000+
1 + 1.250
1 + 0.500
0 + 1.000
0 + 0.500
0+0
0+0 [0.375] 0+0 [0.750]
15 YEAR
3.250%
3.375%
3.500%
$40,000+
1 + 1.000
1 + 0.375
0 + 0.750
10 YEAR
3.625%
3.750%
0 + 0.125
3.875%
4.000%
0+0 [0.375] 0+0 [0.875] 0+0 [1.250]
$70,000+
1 + 0.750
1 + 0.125
0 + 0.500
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.500]
$70,000+
1 + 1.000
1 + 0.250
0 + 0.750
0 + 0.250
0+0 [0.250] 0+0 [0.625] 0+0 [1.000]
$100,000+
1 + 0.500
0 + 0.875
0 + 0.250
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [1.750]
$100,000+
1 + 0.750
0 + 1.000
0 + 0.500
0+0
0+0 [0.500] 0+0 [0.875] 0+0 [1.250]
$150,000+
1 + 0.375
0 + 0.750
0 + 0.125
0+0 [0.500] 0+0 [1.000] 0+0 [1.500] 0+0 [1.875]
$150,000+
1 + 0.625
0 + 0.875
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.000] 0+0 [1.375]
$200,000+
1 + 0.250
0 + 0.625
0+0
0+0 [0.625] 0+0 [1.125] 0+0 [1.625] 0+0 [2.000]
$200,000+
1 + 0.500
0 + 0.750
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.125] 0+0 [1.500]

FICO
LTV %
FICO RANGE
< 60
60.01 - 75
75.01 - 80
80.01 - 85
LTV %
MAX CLTV %
< 720
720
740
- 1/4
- 1/4
- 1/2
- 5/8
65
> 80 - 95
- 1/2
- 1/4
720 - 739
- 1/4
-1
- 1 1/4
-2
> 65 - 75
> 80 - 95
- 3/4
- 1/2
700 - 719
- 1/4
- 1 1/8
- 1 1/4
-2
> 75 - 80
> 76 - 90
-1
- 3/4
680 - 699
- 1/4
- 1 1/8
- 1 7/8
-3
> 75 - 80
> 90 - 95
-1
- 3/4
660 - 679
- 1 1/2
- 1 1/4
- 2 1/2
- 3 1/2
> 80 - 90
> 81 - 95
-1
- 3/4
640 - 659
-2
- 1 3/4
- 3 1/4
-4
> 90 - 95
> 90 - 95
- 1/2
- 1/4

FICO
LTV %
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
+ 1/4
- 1/4
- 1/4
- 1/4
- 1/4
- 2 3/4
720 - 739
+ 1/4
- 1/4
- 1/2
- 1/2
- 1/2
- 1/2
-3
700 - 719
+ 1/4
- 1/2
- 3/4
-1
-1
-1
-1
- 3 1/2
680 - 699
- 1/2
-2
- 1 3/4
- 1 1/2
- 1 1/4
- 1 1/4
- 3 1/2
660 - 679
-1
-2
- 2 1/2
- 2 3/4
- 2 1/4
- 2 1/4
- 4 1/4
640 - 659
- 1/2
- 1 1/4
- 2 1/2
-3
- 3 1/4
- 2 3/4
- 2 3/4
- 4 3/4
620 - 639
- 3/4
- 1 1/2
-3
-3
- 3 1/4
- 3 1/4
- 3 1/4
- 5 1/2
FIXED RATE
30/20 YR FIXED
RATE
4.125%
4.250%
4.375%
4.500%
4.625%
60-DAY
1 + 1.375
1 + 0.875
1 + 0.375
0 + 0.875
0 + 0.375
15 YR FIXED
RATE
3.875%
4.000%
4.125%
4.250%
4.375%
60-DAY
1 + 0.500
1 + 0.125
0 + 0.750
0 + 0.375
0+0
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
640 - 679
680 - 719
720
- 0.500
0.000
3.750%
3.875%
+ 0.250
620 - 639
- 1.500
30 YEAR
3.625%
VA FICO
15 YEAR
4.000%
4.125%
4.250% 4.375%
$40,000+
1 + 0.750
0 + 0.500
0+0 [0.125] 0+0 [0.625] 0+0 [1.000] 0+0 [1.375] 0+0 [1.750]
3.000%
3.125%
3.250%
3.375%
$40,000+
1 + 0.875
1 + 0.500
0 + 0.500
0 + 0.125
3.500%
3.625%
3.750%
0+0 [0.375] 0+0 [0.625] 0+0 [1.125]
$70,000+
1 + 0.500
0 + 0.250
0+0 [0.375] 0+0 [0.875] 0+0 [1.250] 0+0 [1.625] 0+0 [2.000]
$70,000+
1 + 0.625
1 + 0.250
0 + 0.250
0+0 [0.125] 0+0 [0.625] 0+0 [0.875] 0+0 [1.375]
$100,000+
1 + 0.250
0+0
0+0 [0.625] 0+0 [1.125] 0+0 [1.500] 0+0 [1.875] 0+0 [2.250]
$100,000+
1 + 0.375
0 + 1.000
0+0
0+0 [0.375] 0+0 [0.875] 0+0 [1.125] 0+0 [1.625]
$150,000+
1 + 0.125
0+0 [0.125] 0+0 [0.750] 0+0 [1.250] 0+0 [1.625] 0+0 [2.000] 0+0 [2.375]
$150,000+
1 + 0.250
0 + 0.875
0+0 [0.125] 0+0 [0.500] 0+0 [1.000] 0+0 [1.250] 0+0 [1.750]
$200,000+
0 + 1.000
0+0 [0.250] 0+0 [0.875] 0+0 [1.375] 0+0 [1.750] 0+0 [2.125] 0+0 [2.500]
$200,000+
1 + 0.125
0 + 0.750
0+0 [0.250] 0+0 [0.625] 0+0 [1.125] 0+0 [1.375] 0+0 [1.875]
3.875%
4.000%
4.125%
$40,000+
1 + 1.000
1 + 0.125
0 + 0.375
0+0 [0.500] 0+0 [1.125] 0+0 [1.875] 0+0 [2.125]
0 + 0.125
0+0 [0.750] 0+0 [1.375] 0+0 [2.125] 0+0 [2.375]
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
4.000%
4.125%
4.250%
$40,000+
1 + 1.375
1 + 0.500
0 + 0.750
20 YEAR
4.375%
4.500%
0 + 0.125
4.625% 4.750%
0+0 [0.625] 0+0 [1.500] 0+0 [2.250]
4.250%
4.375%
4.500%
4.625%
$70,000+
1 + 1.125
1 + 0.250
0 + 0.500
0+0 [0.125] 0+0 [0.875] 0+0 [1.750] 0+0 [2.500]
$70,000+
1 + 0.750
0 + 0.875
$100,000+
1 + 0.875
0 + 1.000
0 + 0.250
0+0 [0.375] 0+0 [1.125] 0+0 [2.000] 0+0 [2.750]
$100,000+
1 + 0.500
0 + 0.625
0+0 [0.125] 0+0 [1.000] 0+0 [1.625] 0+0 [2.375] 0+0 [2.625]
$150,000+
1 + 0.750
0 + 0.875
0 + 0.125
0+0 [0.500] 0+0 [1.250] 0+0 [2.125] 0+0 [2.875]
$150,000+
1 + 0.375
0 + 0.500
0+0 [0.250] 0+0 [1.125] 0+0 [1.750] 0+0 [2.500] 0+0 [2.750]
$200,000+
1 + 0.625
0 + 0.750
0+0
0+0 [0.625] 0+0 [1.375] 0+0 [2.250] 0+0 [3.000]
$200,000+
1 + 0.250
0 + 0.375
0+0 [0.375] 0+0 [1.250] 0+0 [1.875] 0+0 [2.625] 0+0 [2.875]
3.250%
3.375%
3.500%
3.625%
$40,000+
1 + 0.625
0 + 1.000
0 + 0.500
0+0
15 YEAR
3.250%
3.375%
3.500%
$40,000+
1 + 1.000
1 + 0.375
0 + 0.750
10 YEAR
3.625%
3.750%
3.875%
4.000%
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.250]
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.500]
3.750%
3.875% 4.000%
0+0 [0.375] 0+0 [0.750] 0+0 [1.250]
$70,000+
1 + 0.750
1 + 0.125
0 + 0.500
$70,000+
1 + 0.375
0 + 0.750
0 + 0.250
0+0 [0.250] 0+0 [0.625] 0+0 [1.000] 0+0 [1.500]
$100,000+
1 + 0.500
0 + 0.875
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.250] 0+0 [1.750]
$100,000+
1 + 0.125
0 + 0.500
0+0
0+0 [0.500] 0+0 [0.875] 0+0 [1.250] 0+0 [1.750]
$150,000+
1 + 0.375
0 + 0.750
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [1.875]
$150,000+
0 + 1.000
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.000] 0+0 [1.375] 0+0 [1.875]
$200,000+
1 + 0.250
0 + 0.625
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.500] 0+0 [2.000]
$200,000+
0 + 0.875
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.125] 0+0 [1.500] 0+0 [2.000]

FICO
LTV %
FICO RANGE
< 60
60.01 - 75
75.01 - 80
80.01 - 85
LTV %
MAX CLTV %
< 720
720
740
- 1/4
- 1/4
- 1/2
- 5/8
65
> 80 - 95
- 1/2
- 1/4
720 - 739
- 1/4
-1
- 1 1/4
-2
> 65 - 75
> 80 - 95
- 3/4
- 1/2
700 - 719
- 1/4
- 1 1/8
- 1 1/4
-2
> 75 - 80
> 76 - 90
-1
- 3/4
680 - 699
- 1/4
- 1 1/8
- 1 7/8
-3
> 75 - 80
> 90 - 95
-1
- 3/4
660 - 679
- 1 1/2
- 1 1/4
- 2 1/2
- 3 1/2
> 80 - 90
> 81 - 95
-1
- 3/4
640 - 659
-2
- 1 3/4
- 3 1/4
-4
> 90 - 95
> 90 - 95
- 1/2
- 1/4

FICO
LTV %
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
+ 1/4
- 1/4
- 1/4
- 1/4
- 1/4
- 2 3/4
720 - 739
+ 1/4
- 1/4
- 1/2
- 1/2
- 1/2
- 1/2
-3
700 - 719
+ 1/4
- 1/2
- 3/4
-1
-1
-1
-1
- 3 1/2
680 - 699
- 1/2
-2
- 1 3/4
- 1 1/2
- 1 1/4
- 1 1/4
- 3 1/2
660 - 679
-1
-2
- 2 1/2
- 2 3/4
- 2 1/4
- 2 1/4
- 4 1/4
640 - 659
- 1/2
- 1 1/4
- 2 1/2
-3
- 3 1/4
- 2 3/4
- 2 3/4
- 4 3/4
620 - 639
- 3/4
- 1 1/2
-3
-3
- 3 1/4
- 3 1/4
- 3 1/4
- 5 1/2
FIXED RATE
30/20 YR FIXED
RATE
4.250%
4.375%
4.500%
4.625%
4.750%
60-DAY
1 + 1.000
1 + 0.500
0 + 1.000
0 + 0.500
0+0
15 YR FIXED
RATE
3.875%
4.000%
4.125%
4.250%
4.375%
60-DAY
1 + 0.625
1 + 0.250
0 + 0.875
0 + 0.500
0 + 0.125
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
640 - 679
680 - 719
720
- 0.500
0.000
3.750%
$40,000+
1 + 1.250
0 + 0.750
3.875%
+ 0.250
620 - 639
- 1.500
30 YEAR
3.625%
VA FICO
15 YEAR
4.000%
4.125%
4.250% 4.375%
0 + 0.250
0+0 [0.375] 0+0 [0.750] 0+0 [1.125] 0+0 [1.500]
0+0
0+0 [0.625] 0+0 [1.000] 0+0 [1.375] 0+0 [1.750]
3.125%
3.250%
3.375%
$40,000+
1 + 0.625
0 + 0.625
0 + 0.125
3.500%
3.625%
3.750%
3.875%
0+0 [0.250] 0+0 [0.625] 0+0 [1.125] 0+0 [1.500]
$70,000+
1 + 1.000
0 + 0.500
$70,000+
1 + 0.375
0 + 0.375
0+0 [0.125] 0+0 [0.500] 0+0 [0.875] 0+0 [1.375] 0+0 [1.750]
$100,000+
1 + 0.750
0 + 0.250
0+0 [0.250] 0+0 [0.875] 0+0 [1.250] 0+0 [1.625] 0+0 [2.000]
$100,000+
1 + 0.125
0 + 0.125
0+0 [0.375] 0+0 [0.750] 0+0 [1.125] 0+0 [1.625] 0+0 [2.000]
$150,000+
1 + 0.625
0 + 0.125
0+0 [0.375] 0+0 [1.000] 0+0 [1.375] 0+0 [1.750] 0+0 [2.125]
$150,000+
0 + 1.000
0+0
0+0 [0.500] 0+0 [0.875] 0+0 [1.250] 0+0 [1.750] 0+0 [2.125]
$200,000+
1 + 0.500
0+0
0+0 [0.500] 0+0 [1.125] 0+0 [1.500] 0+0 [1.875] 0+0 [2.250]
$200,000+
0 + 0.875
0+0 [0.125] 0+0 [0.625] 0+0 [1.000] 0+0 [1.375] 0+0 [1.875] 0+0 [2.250]
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
4.000%
4.125%
4.250%
$40,000+
1 + 1.375
1 + 0.500
0 + 0.750
20 YEAR
4.375%
4.500%
0 + 0.125
4.625% 4.750%
0+0 [0.625] 0+0 [1.375] 0+0 [2.000]
3.875%
4.000%
4.125%
$40,000+
1 + 1.375
1 + 0.500
0 + 0.750
0+0 [0.250] 0+0 [0.875] 0+0 [1.625] 0+0 [2.125]
4.250%
4.375%
4.500%
4.625%
$70,000+
1 + 1.125
1 + 0.250
0 + 0.500
0+0 [0.125] 0+0 [0.875] 0+0 [1.625] 0+0 [2.250]
$70,000+
1 + 1.125
1 + 0.250
0 + 0.500
0+0 [0.500] 0+0 [1.125] 0+0 [1.875] 0+0 [2.375]
$100,000+
1 + 0.875
0 + 1.000
0 + 0.250
0+0 [0.375] 0+0 [1.125] 0+0 [1.875] 0+0 [2.500]
$100,000+
1 + 0.875
0 + 1.000
0 + 0.250
0+0 [0.750] 0+0 [1.375] 0+0 [2.125] 0+0 [2.625]
$150,000+
1 + 0.750
0 + 0.875
0 + 0.125
0+0 [0.500] 0+0 [1.250] 0+0 [2.000] 0+0 [2.625]
$150,000+
1 + 0.750
0 + 0.875
0 + 0.125
0+0 [0.875] 0+0 [1.500] 0+0 [2.250] 0+0 [2.750]
$200,000+
1 + 0.625
0 + 0.750
0+0
0+0 [0.625] 0+0 [1.375] 0+0 [2.125] 0+0 [2.750]
$200,000+
1 + 0.625
0 + 0.750
0+0
0+0 [1.000] 0+0 [1.625] 0+0 [2.375] 0+0 [2.875]
3.250%
3.375%
3.500%
3.625%
3.750%
3.875% 4.000%
$40,000+
1 + 1.000
1 + 0.500
0 + 1.000
0 + 0.500
0+0
0+0 [0.500] 0+0 [1.000]
15 YEAR
3.375%
3.500%
3.625%
$40,000+
1 + 0.750
1 + 0.125
0 + 0.625
10 YEAR
3.750%
3.875%
0 + 0.125
4.000%
4.125%
0+0 [0.375] 0+0 [1.000] 0+0 [1.375]
$70,000+
1 + 0.500
0 + 0.875
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.250] 0+0 [1.625]
$70,000+
1 + 0.750
1 + 0.250
0 + 0.750
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.250]
$100,000+
1 + 0.250
0 + 0.625
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.500] 0+0 [1.875]
$100,000+
1 + 0.500
0 + 1.000
0 + 0.500
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.500]
$150,000+
1 + 0.125
0 + 0.500
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.625] 0+0 [2.000]
$150,000+
1 + 0.375
0 + 0.875
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.625]
$200,000+
0 + 1.000
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.750] 0+0 [2.125]
$200,000+
1 + 0.250
0 + 0.750
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.250] 0+0 [1.750]

FICO
LTV %
FICO RANGE
< 60
60.01 - 75
75.01 - 80
80.01 - 85
LTV %
MAX CLTV %
< 720
720
740
- 1/4
- 1/4
- 1/2
- 5/8
65
> 80 - 95
- 1/2
- 1/4
720 - 739
- 1/4
-1
- 1 1/4
-2
> 65 - 75
> 80 - 95
- 3/4
- 1/2
700 - 719
- 1/4
- 1 1/8
- 1 1/4
-2
> 75 - 80
> 76 - 90
-1
- 3/4
680 - 699
- 1/4
- 1 1/8
- 1 7/8
-3
> 75 - 80
> 90 - 95
-1
- 3/4
660 - 679
- 1 1/2
- 1 1/4
- 2 1/2
- 3 1/2
> 80 - 90
> 81 - 95
-1
- 3/4
640 - 659
-2
- 1 3/4
- 3 1/4
-4
> 90 - 95
> 90 - 95
- 1/2
- 1/4

FICO
LTV %
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
+ 1/4
- 1/4
- 1/4
- 1/4
- 1/4
- 2 3/4
720 - 739
+ 1/4
- 1/4
- 1/2
- 1/2
- 1/2
- 1/2
-3
700 - 719
+ 1/4
- 1/2
- 3/4
-1
-1
-1
-1
- 3 1/2
680 - 699
- 1/2
-2
- 1 3/4
- 1 1/2
- 1 1/4
- 1 1/4
- 3 1/2
660 - 679
-1
-2
- 2 1/2
- 2 3/4
- 2 1/4
- 2 1/4
- 4 1/4
640 - 659
- 1/2
- 1 1/4
- 2 1/2
-3
- 3 1/4
- 2 3/4
- 2 3/4
- 4 3/4
620 - 639
- 3/4
- 1 1/2
-3
-3
- 3 1/4
- 3 1/4
- 3 1/4
- 5 1/2
FIXED RATE
30/20 YR FIXED
RATE
4.250%
4.375%
4.500%
4.625%
4.750%
60-DAY
1 + 1.000
1 + 0.500
0 + 1.000
0 + 0.500
0+0
15 YR FIXED
RATE
3.875%
4.000%
4.125%
4.250%
4.375%
60-DAY
1 + 0.625
1 + 0.250
0 + 0.875
0 + 0.500
0 + 0.125
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
640 - 679
680 - 719
720
- 0.500
0.000
3.750%
$40,000+
1 + 0.750
0 + 0.625
3.875%
0 + 0.125
+ 0.250
620 - 639
- 1.500
30 YEAR
3.625%
VA FICO
15 YEAR
4.000%
4.125%
4.250% 4.375%
0+0 [0.625] 0+0 [1.000] 0+0 [1.500] 0+0 [2.000]
3.000%
3.125%
3.250%
3.375%
$40,000+
1 + 0.875
1 + 0.500
0 + 0.500
0 + 0.125
3.500%
3.625%
3.750%
0+0 [0.375] 0+0 [0.625] 0+0 [1.125]
$70,000+
1 + 0.500
0 + 0.375
0+0 [0.125] 0+0 [0.875] 0+0 [1.250] 0+0 [1.750] 0+0 [2.250]
$70,000+
1 + 0.625
1 + 0.250
0 + 0.250
0+0 [0.125] 0+0 [0.625] 0+0 [0.875] 0+0 [1.375]
$100,000+
1 + 0.250
0 + 0.125
0+0 [0.375] 0+0 [1.125] 0+0 [1.500] 0+0 [2.000] 0+0 [2.500]
$100,000+
1 + 0.375
0 + 1.000
0+0
0+0 [0.375] 0+0 [0.875] 0+0 [1.125] 0+0 [1.625]
$150,000+
1 + 0.125
0+0
0+0 [0.500] 0+0 [1.250] 0+0 [1.625] 0+0 [2.125] 0+0 [2.625]
$150,000+
1 + 0.250
0 + 0.875
0+0 [0.125] 0+0 [0.500] 0+0 [1.000] 0+0 [1.250] 0+0 [1.750]
$200,000+
0 + 1.000
0+0 [0.125] 0+0 [0.625] 0+0 [1.375] 0+0 [1.750] 0+0 [2.250] 0+0 [2.750]
$200,000+
1 + 0.125
0 + 0.750
0+0 [0.250] 0+0 [0.625] 0+0 [1.125] 0+0 [1.375] 0+0 [1.875]
3.875%
4.000%
4.125%
$40,000+
1 + 1.000
1 + 0.250
0 + 0.500
0+0 [0.375] 0+0 [1.125] 0+0 [1.750] 0+0 [2.125]
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
4.000%
4.125%
$40,000+
1 + 1.125
1 + 0.250
4.250%
20 YEAR
4.375%
4.500%
4.625% 4.750%
0 + 0.375
0+0 [0.125] 0+0 [0.875] 0+0 [1.625] 0+0 [2.125]
0 + 0.125
0+0 [0.375] 0+0 [1.125] 0+0 [1.875] 0+0 [2.375]
4.250%
4.375%
4.500%
4.625%
$70,000+
1 + 0.875
0 + 1.000
$70,000+
1 + 0.750
0 + 1.000
0 + 0.250
0+0 [0.625] 0+0 [1.375] 0+0 [2.000] 0+0 [2.375]
$100,000+
1 + 0.625
0 + 0.750
0+0 [0.125] 0+0 [0.625] 0+0 [1.375] 0+0 [2.125] 0+0 [2.625]
$100,000+
1 + 0.500
0 + 0.750
0+0
0+0 [0.875] 0+0 [1.625] 0+0 [2.250] 0+0 [2.625]
$150,000+
1 + 0.500
0 + 0.625
0+0 [0.250] 0+0 [0.750] 0+0 [1.500] 0+0 [2.250] 0+0 [2.750]
$150,000+
1 + 0.375
0 + 0.625
0+0 [0.125] 0+0 [1.000] 0+0 [1.750] 0+0 [2.375] 0+0 [2.750]
$200,000+
1 + 0.375
0 + 0.500
0+0 [0.375] 0+0 [0.875] 0+0 [1.625] 0+0 [2.375] 0+0 [2.875]
$200,000+
1 + 0.250
0 + 0.500
0+0 [0.250] 0+0 [1.125] 0+0 [1.875] 0+0 [2.500] 0+0 [2.875]
3.250%
3.375%
3.500%
3.625%
$40,000+
1 + 0.625
1 + 0.125
0 + 0.500
0 + 0.125
15 YEAR
3.250%
3.375%
3.500%
$40,000+
1 + 1.000
1 + 0.375
0 + 0.750
10 YEAR
3.625%
3.750%
3.875%
4.000%
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.250]
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.500]
3.750%
3.875% 4.000%
0+0 [0.375] 0+0 [0.750] 0+0 [1.250]
$70,000+
1 + 0.750
1 + 0.125
0 + 0.500
$70,000+
1 + 0.375
0 + 0.875
0 + 0.250
0+0 [0.125] 0+0 [0.625] 0+0 [1.000] 0+0 [1.500]
$100,000+
1 + 0.500
0 + 0.875
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.250] 0+0 [1.750]
$100,000+
1 + 0.125
0 + 0.625
0+0
0+0 [0.375] 0+0 [0.875] 0+0 [1.250] 0+0 [1.750]
$150,000+
1 + 0.375
0 + 0.750
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [1.875]
$150,000+
0 + 1.000
0 + 0.500
0+0 [0.125] 0+0 [0.500] 0+0 [1.000] 0+0 [1.375] 0+0 [1.875]
$200,000+
1 + 0.250
0 + 0.625
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.500] 0+0 [2.000]
$200,000+
0 + 0.875
0 + 0.375
0+0 [0.250] 0+0 [0.625] 0+0 [1.125] 0+0 [1.500] 0+0 [2.000]

FICO
LTV %
FICO RANGE
< 60
60.01 - 75
75.01 - 80
80.01 - 85
LTV %
MAX CLTV %
< 720
720
740
- 1/4
- 1/4
- 1/2
- 5/8
65
> 80 - 95
- 1/2
- 1/4
720 - 739
- 1/4
-1
- 1 1/4
-2
> 65 - 75
> 80 - 95
- 3/4
- 1/2
700 - 719
- 1/4
- 1 1/8
- 1 1/4
-2
> 75 - 80
> 76 - 90
-1
- 3/4
680 - 699
- 1/4
- 1 1/8
- 1 7/8
-3
> 75 - 80
> 90 - 95
-1
- 3/4
660 - 679
- 1 1/2
- 1 1/4
- 2 1/2
- 3 1/2
> 80 - 90
> 81 - 95
-1
- 3/4
640 - 659
-2
- 1 3/4
- 3 1/4
-4
> 90 - 95
> 90 - 95
- 1/2
- 1/4

FICO
LTV %
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
+ 1/4
- 1/4
- 1/4
- 1/4
- 1/4
- 2 3/4
720 - 739
+ 1/4
- 1/4
- 1/2
- 1/2
- 1/2
- 1/2
-3
700 - 719
+ 1/4
- 1/2
- 3/4
-1
-1
-1
-1
- 3 1/2
680 - 699
- 1/2
-2
- 1 3/4
- 1 1/2
- 1 1/4
- 1 1/4
- 3 1/2
660 - 679
-1
-2
- 2 1/2
- 2 3/4
- 2 1/4
- 2 1/4
- 4 1/4
640 - 659
- 1/2
- 1 1/4
- 2 1/2
-3
- 3 1/4
- 2 3/4
- 2 3/4
- 4 3/4
620 - 639
- 3/4
- 1 1/2
-3
-3
- 3 1/4
- 3 1/4
- 3 1/4
- 5 1/2
FIXED RATE
30/20 YR FIXED
RATE
4.250%
4.375%
4.500%
4.625%
4.750%
60-DAY
1 + 1.000
1 + 0.500
0 + 1.000
0 + 0.500
0+0
15 YR FIXED
RATE
3.875%
4.000%
4.125%
4.250%
4.375%
60-DAY
1 + 0.625
1 + 0.250
0 + 0.875
0 + 0.500
0 + 0.125
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
Wednesday, July 1, 2015
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
640 - 679
680 - 719
720
- 0.500
0.000
3.750%
$40,000+
1 + 1.000
0 + 0.875
3.875%
+ 0.250
620 - 639
- 1.500
30 YEAR
3.625%
VA FICO
15 YEAR
4.000%
4.125%
4.250% 4.375%
0 + 0.250
0+0 [0.375] 0+0 [0.625] 0+0 [1.250] 0+0 [1.875]
0+0
0+0 [0.625] 0+0 [0.875] 0+0 [1.500] 0+0 [2.125]
3.000%
3.125%
3.250%
3.375%
$40,000+
1 + 0.875
1 + 0.500
0 + 0.500
0 + 0.125
3.500%
3.625%
3.750%
0+0 [0.375] 0+0 [0.625] 0+0 [1.000]
$70,000+
1 + 0.750
0 + 0.625
$70,000+
1 + 0.625
1 + 0.250
0 + 0.250
0+0 [0.125] 0+0 [0.625] 0+0 [0.875] 0+0 [1.250]
$100,000+
1 + 0.500
0 + 0.375
0+0 [0.250] 0+0 [0.875] 0+0 [1.125] 0+0 [1.750] 0+0 [2.375]
$100,000+
1 + 0.375
0 + 1.000
0+0
0+0 [0.375] 0+0 [0.875] 0+0 [1.125] 0+0 [1.500]
$150,000+
1 + 0.375
0 + 0.250
0+0 [0.375] 0+0 [1.000] 0+0 [1.250] 0+0 [1.875] 0+0 [2.500]
$150,000+
1 + 0.250
0 + 0.875
0+0 [0.125] 0+0 [0.500] 0+0 [1.000] 0+0 [1.250] 0+0 [1.625]
$200,000+
1 + 0.250
0 + 0.125
0+0 [0.500] 0+0 [1.125] 0+0 [1.375] 0+0 [2.000] 0+0 [2.625]
$200,000+
1 + 0.125
0 + 0.750
0+0 [0.250] 0+0 [0.625] 0+0 [1.125] 0+0 [1.375] 0+0 [1.750]
3.875%
4.000%
4.125%
$40,000+
1 + 1.250
1 + 0.500
0 + 0.750
0+0 [0.125] 0+0 [0.875] 0+0 [1.625] 0+0 [2.125]
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
4.000%
4.125%
4.250%
$40,000+
1 + 1.375
1 + 0.375
0 + 0.625
20 YEAR
4.375%
4.500%
0 + 0.125
4.625% 4.750%
0+0 [0.625] 0+0 [1.375] 0+0 [2.000]
4.250%
4.375%
4.500%
4.625%
$70,000+
1 + 1.125
1 + 0.125
0 + 0.375
0+0 [0.125] 0+0 [0.875] 0+0 [1.625] 0+0 [2.250]
$70,000+
1 + 1.000
1 + 0.250
0 + 0.500
0+0 [0.375] 0+0 [1.125] 0+0 [1.875] 0+0 [2.375]
$100,000+
1 + 0.875
0 + 0.875
0 + 0.125
0+0 [0.375] 0+0 [1.125] 0+0 [1.875] 0+0 [2.500]
$100,000+
1 + 0.750
0 + 1.000
0 + 0.250
0+0 [0.625] 0+0 [1.375] 0+0 [2.125] 0+0 [2.625]
$150,000+
1 + 0.750
0 + 0.750
0+0
0+0 [0.500] 0+0 [1.250] 0+0 [2.000] 0+0 [2.625]
$150,000+
1 + 0.625
0 + 0.875
0 + 0.125
0+0 [0.750] 0+0 [1.500] 0+0 [2.250] 0+0 [2.750]
$200,000+
1 + 0.625
0 + 0.625
0+0 [0.125] 0+0 [0.625] 0+0 [1.375] 0+0 [2.125] 0+0 [2.750]
$200,000+
1 + 0.500
0 + 0.750
0+0
0+0 [0.875] 0+0 [1.625] 0+0 [2.375] 0+0 [2.875]
3.250%
3.375%
3.500%
3.625%
$40,000+
1 + 0.625
1 + 0.125
0 + 0.625
0 + 0.125
15 YEAR
3.250%
3.375%
3.500%
$40,000+
1 + 1.000
1 + 0.500
0 + 0.875
10 YEAR
3.625%
3.750%
3.875%
4.000%
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.125]
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.375]
3.750%
3.875% 4.000%
0+0 [0.250] 0+0 [0.625] 0+0 [1.125]
$70,000+
1 + 0.750
1 + 0.250
0 + 0.625
$70,000+
1 + 0.375
0 + 0.875
0 + 0.375
0+0 [0.125] 0+0 [0.500] 0+0 [0.875] 0+0 [1.375]
$100,000+
1 + 0.500
0 + 1.000
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.625]
$100,000+
1 + 0.125
0 + 0.625
0 + 0.125
0+0 [0.375] 0+0 [0.750] 0+0 [1.125] 0+0 [1.625]
$150,000+
1 + 0.375
0 + 0.875
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.250] 0+0 [1.750]
$150,000+
0 + 1.000
0 + 0.500
0+0
0+0 [0.500] 0+0 [0.875] 0+0 [1.250] 0+0 [1.750]
$200,000+
1 + 0.250
0 + 0.750
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [1.875]
$200,000+
0 + 0.875
0 + 0.375

FICO
0+0 [0.125] 0+0 [0.625] 0+0 [1.000] 0+0 [1.375] 0+0 [1.875]
LTV %
FICO RANGE
< 60
60.01 - 75
75.01 - 80
80.01 - 85
LTV %
MAX CLTV %
< 720
720
740
- 1/4
- 1/4
- 1/2
- 5/8
65
> 80 - 95
- 1/2
- 1/4
720 - 739
- 1/4
-1
- 1 1/4
-2
> 65 - 75
> 80 - 95
- 3/4
- 1/2
700 - 719
- 1/4
- 1 1/8
- 1 1/4
-2
> 75 - 80
> 76 - 90
-1
- 3/4
680 - 699
- 1/4
- 1 1/8
- 1 7/8
-3
> 75 - 80
> 90 - 95
-1
- 3/4
660 - 679
- 1 1/2
- 1 1/4
- 2 1/2
- 3 1/2
> 80 - 90
> 81 - 95
-1
- 3/4
640 - 659
-2
- 1 3/4
- 3 1/4
-4
> 90 - 95
> 90 - 95
- 1/2
- 1/4

FICO
LTV %
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
+ 1/4
- 1/4
- 1/4
- 1/4
- 1/4
- 2 3/4
720 - 739
+ 1/4
- 1/4
- 1/2
- 1/2
- 1/2
- 1/2
-3
700 - 719
+ 1/4
- 1/2
- 3/4
-1
-1
-1
-1
- 3 1/2
680 - 699
- 1/2
-2
- 1 3/4
- 1 1/2
- 1 1/4
- 1 1/4
- 3 1/2
660 - 679
-1
-2
- 2 1/2
- 2 3/4
- 2 1/4
- 2 1/4
- 4 1/4
640 - 659
- 1/2
- 1 1/4
- 2 1/2
-3
- 3 1/4
- 2 3/4
- 2 3/4
- 4 3/4
620 - 639
- 3/4
- 1 1/2
-3
-3
- 3 1/4
- 3 1/4
- 3 1/4
- 5 1/2
FIXED RATE
30/20 YR FIXED
RATE
4.250%
4.375%
4.500%
4.625%
4.750%
60-DAY
1 + 1.000
1 + 0.500
0 + 1.000
0 + 0.500
0+0
15 YR FIXED
RATE
3.875%
4.000%
4.125%
4.250%
4.375%
60-DAY
1 + 0.500
1 + 0.125
0 + 0.750
0 + 0.375
0+0
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
Thursday, July 2, 2015
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
640 - 679
680 - 719
720
- 0.500
0.000
3.750%
$40,000+
1 + 0.875
0 + 0.750
3.875%
0 + 0.125
+ 0.250
620 - 639
- 1.500
30 YEAR
3.625%
VA FICO
15 YEAR
4.000%
4.125%
4.250% 4.375%
0+0 [0.500] 0+0 [0.875] 0+0 [1.500] 0+0 [2.000]
3.000%
3.125%
3.250%
3.375%
$40,000+
1 + 0.875
1 + 0.500
0 + 0.500
0+0
3.500%
3.625%
3.750%
0+0 [0.375] 0+0 [0.750] 0+0 [1.000]
$70,000+
1 + 0.625
0 + 0.500
0+0 [0.125] 0+0 [0.750] 0+0 [1.125] 0+0 [1.750] 0+0 [2.250]
$70,000+
1 + 0.625
1 + 0.250
0 + 0.250
0+0 [0.250] 0+0 [0.625] 0+0 [1.000] 0+0 [1.250]
$100,000+
1 + 0.375
0 + 0.250
0+0 [0.375] 0+0 [1.000] 0+0 [1.375] 0+0 [2.000] 0+0 [2.500]
$100,000+
1 + 0.375
0 + 1.000
0+0
0+0 [0.500] 0+0 [0.875] 0+0 [1.250] 0+0 [1.500]
$150,000+
1 + 0.250
0 + 0.125
0+0 [0.500] 0+0 [1.125] 0+0 [1.500] 0+0 [2.125] 0+0 [2.625]
$150,000+
1 + 0.250
0 + 0.875
0+0 [0.125] 0+0 [0.625] 0+0 [1.000] 0+0 [1.375] 0+0 [1.625]
$200,000+
1 + 0.125
0+0
0+0 [0.625] 0+0 [1.250] 0+0 [1.625] 0+0 [2.250] 0+0 [2.750]
$200,000+
1 + 0.125
0 + 0.750
0+0 [0.250] 0+0 [0.750] 0+0 [1.125] 0+0 [1.500] 0+0 [1.750]
3.875%
4.000%
4.125%
$40,000+
1 + 1.000
1 + 0.250
0 + 0.500
0+0 [0.250] 0+0 [1.000] 0+0 [1.750] 0+0 [2.125]
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
4.000%
4.125%
$40,000+
1 + 1.125
1 + 0.125
4.250%
20 YEAR
4.375%
4.500%
4.625% 4.750%
0 + 0.375
0+0 [0.125] 0+0 [0.875] 0+0 [1.625] 0+0 [2.125]
0 + 0.125
0+0 [0.375] 0+0 [1.125] 0+0 [1.875] 0+0 [2.375]
4.250%
4.375%
4.500%
4.625%
$70,000+
1 + 0.875
0 + 0.875
$70,000+
1 + 0.750
0 + 1.000
0 + 0.250
0+0 [0.500] 0+0 [1.250] 0+0 [2.000] 0+0 [2.375]
$100,000+
1 + 0.625
0 + 0.625
0+0 [0.125] 0+0 [0.625] 0+0 [1.375] 0+0 [2.125] 0+0 [2.625]
$100,000+
1 + 0.500
0 + 0.750
0+0
0+0 [0.750] 0+0 [1.500] 0+0 [2.250] 0+0 [2.625]
$150,000+
1 + 0.500
0 + 0.500
0+0 [0.250] 0+0 [0.750] 0+0 [1.500] 0+0 [2.250] 0+0 [2.750]
$150,000+
1 + 0.375
0 + 0.625
0+0 [0.125] 0+0 [0.875] 0+0 [1.625] 0+0 [2.375] 0+0 [2.750]
$200,000+
1 + 0.375
0 + 0.375
0+0 [0.375] 0+0 [0.875] 0+0 [1.625] 0+0 [2.375] 0+0 [2.875]
$200,000+
1 + 0.250
0 + 0.500
0+0 [0.250] 0+0 [1.000] 0+0 [1.750] 0+0 [2.500] 0+0 [2.875]
3.250%
3.375%
3.500%
3.625%
$40,000+
1 + 0.625
0 + 1.000
0 + 0.500
0+0
15 YEAR
3.250%
3.375%
3.500%
$40,000+
1 + 1.000
1 + 0.375
0 + 0.750
10 YEAR
3.625%
3.750%
3.875%
4.000%
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.250]
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.500]
3.750%
3.875% 4.000%
0+0 [0.375] 0+0 [0.750] 0+0 [1.250]
$70,000+
1 + 0.750
1 + 0.125
0 + 0.500
$70,000+
1 + 0.375
0 + 0.750
0 + 0.250
0+0 [0.250] 0+0 [0.625] 0+0 [1.000] 0+0 [1.500]
$100,000+
1 + 0.500
0 + 0.875
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.250] 0+0 [1.750]
$100,000+
1 + 0.125
0 + 0.500
0+0
0+0 [0.500] 0+0 [0.875] 0+0 [1.250] 0+0 [1.750]
$150,000+
1 + 0.375
0 + 0.750
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [1.875]
$150,000+
0 + 1.000
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.000] 0+0 [1.375] 0+0 [1.875]
$200,000+
1 + 0.250
0 + 0.625
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.500] 0+0 [2.000]
$200,000+
0 + 0.875
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.125] 0+0 [1.500] 0+0 [2.000]

FICO
LTV %
FICO RANGE
< 60
60.01 - 75
75.01 - 80
80.01 - 85
LTV %
MAX CLTV %
< 720
720
740
- 1/4
- 1/4
- 1/2
- 5/8
65
> 80 - 95
- 1/2
- 1/4
720 - 739
- 1/4
-1
- 1 1/4
-2
> 65 - 75
> 80 - 95
- 3/4
- 1/2
700 - 719
- 1/4
- 1 1/8
- 1 1/4
-2
> 75 - 80
> 76 - 90
-1
- 3/4
680 - 699
- 1/4
- 1 1/8
- 1 7/8
-3
> 75 - 80
> 90 - 95
-1
- 3/4
660 - 679
- 1 1/2
- 1 1/4
- 2 1/2
- 3 1/2
> 80 - 90
> 81 - 95
-1
- 3/4
640 - 659
-2
- 1 3/4
- 3 1/4
-4
> 90 - 95
> 90 - 95
- 1/2
- 1/4

FICO
LTV %
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
+ 1/4
- 1/4
- 1/4
- 1/4
- 1/4
- 2 3/4
720 - 739
+ 1/4
- 1/4
- 1/2
- 1/2
- 1/2
- 1/2
-3
700 - 719
+ 1/4
- 1/2
- 3/4
-1
-1
-1
-1
- 3 1/2
680 - 699
- 1/2
-2
- 1 3/4
- 1 1/2
- 1 1/4
- 1 1/4
- 3 1/2
660 - 679
-1
-2
- 2 1/2
- 2 3/4
- 2 1/4
- 2 1/4
- 4 1/4
640 - 659
- 1/2
- 1 1/4
- 2 1/2
-3
- 3 1/4
- 2 3/4
- 2 3/4
- 4 3/4
620 - 639
- 3/4
- 1 1/2
-3
-3
- 3 1/4
- 3 1/4
- 3 1/4
- 5 1/2
FIXED RATE
30/20 YR FIXED
RATE
4.125%
4.250%
4.375%
4.500%
4.625%
60-DAY
1 + 1.375
1 + 0.875
1 + 0.375
0 + 0.875
0 + 0.375
15 YR FIXED
RATE
3.875%
4.000%
4.125%
4.250%
4.375%
60-DAY
1 + 0.500
1 + 0.125
0 + 0.750
0 + 0.375
0+0
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
Monday, July 6, 2015
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
640 - 679
680 - 719
720
- 0.500
0.000
3.625%
$40,000+
1 + 0.875
1 + 0.500
3.750%
+ 0.250
620 - 639
- 1.500
30 YEAR
3.500%
VA FICO
15 YEAR
3.875%
4.000%
4.125% 4.250%
0 + 0.375
0+0 [0.250] 0+0 [0.875] 0+0 [1.250] 0+0 [1.625]
0 + 0.125
0+0 [0.500] 0+0 [1.125] 0+0 [1.500] 0+0 [1.875]
2.875%
3.000%
3.125%
3.250%
$40,000+
1 + 1.000
1 + 0.500
1 + 0.125
0 + 0.250
0+0 [0.125] 0+0 [0.625] 0+0 [0.875]
3.375%
3.500%
3.625%
0+0
0+0 [0.375] 0+0 [0.875] 0+0 [1.125]
$70,000+
1 + 0.625
1 + 0.250
$70,000+
1 + 0.750
1 + 0.250
0 + 0.875
$100,000+
1 + 0.375
0 + 1.000
0+0 [0.125] 0+0 [0.750] 0+0 [1.375] 0+0 [1.750] 0+0 [2.125]
$100,000+
1 + 0.500
0 + 1.000
0 + 0.625
0+0 [0.250] 0+0 [0.625] 0+0 [1.125] 0+0 [1.375]
$150,000+
1 + 0.250
0 + 0.875
0+0 [0.250] 0+0 [0.875] 0+0 [1.500] 0+0 [1.875] 0+0 [2.250]
$150,000+
1 + 0.375
0 + 0.875
0 + 0.500
0+0 [0.375] 0+0 [0.750] 0+0 [1.250] 0+0 [1.500]
$200,000+
1 + 0.125
0 + 0.750
0+0 [0.375] 0+0 [1.000] 0+0 [1.625] 0+0 [2.000] 0+0 [2.375]
$200,000+
1 + 0.250
0 + 0.750
0 + 0.375
0+0 [0.500] 0+0 [0.875] 0+0 [1.375] 0+0 [1.625]
3.875%
4.000%
4.125%
$40,000+
1 + 0.625
0 + 1.000
0 + 0.125
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
4.000%
4.125%
$40,000+
1 + 0.750
0 + 0.875
4.250%
0 + 0.125
20 YEAR
4.375%
4.500%
4.625% 4.750%
0+0 [0.500] 0+0 [1.000] 0+0 [1.750] 0+0 [2.125]
4.250%
4.375%
4.500%
4.625%
0+0 [0.500] 0+0 [1.250] 0+0 [2.000] 0+0 [2.125]
$70,000+
1 + 0.500
0 + 0.625
0+0 [0.125] 0+0 [0.750] 0+0 [1.250] 0+0 [2.000] 0+0 [2.375]
$70,000+
1 + 0.375
0 + 0.750
0+0 [0.125] 0+0 [0.750] 0+0 [1.500] 0+0 [2.250] 0+0 [2.375]
$100,000+
1 + 0.250
0 + 0.375
0+0 [0.375] 0+0 [1.000] 0+0 [1.500] 0+0 [2.250] 0+0 [2.625]
$100,000+
1 + 0.125
0 + 0.500
0+0 [0.375] 0+0 [1.000] 0+0 [1.750] 0+0 [2.500] 0+0 [2.625]
$150,000+
1 + 0.125
0 + 0.250
0+0 [0.500] 0+0 [1.125] 0+0 [1.625] 0+0 [2.375] 0+0 [2.750]
$150,000+
0 + 1.000
0 + 0.375
0+0 [0.500] 0+0 [1.125] 0+0 [1.875] 0+0 [2.625] 0+0 [2.750]
$200,000+
0 + 1.000
0 + 0.125
0+0 [0.625] 0+0 [1.250] 0+0 [1.750] 0+0 [2.500] 0+0 [2.875]
$200,000+
0 + 0.875
0 + 0.250
0+0 [0.625] 0+0 [1.250] 0+0 [2.000] 0+0 [2.750] 0+0 [2.875]
3.125%
3.250%
3.375%
3.500%
$40,000+
1 + 0.875
1 + 0.375
0 + 0.875
0 + 0.375
0+0 [0.125] 0+0 [0.500] 0+0 [0.875]
0 + 0.125
0+0 [0.375] 0+0 [0.750] 0+0 [1.125]
15 YEAR
3.250%
3.375%
3.500%
$40,000+
1 + 0.750
1 + 0.125
0 + 0.500
10 YEAR
3.625%
3.750%
0+0
3.875%
4.000%
0+0 [0.500] 0+0 [1.000] 0+0 [1.375]
3.625%
3.750% 3.875%
$70,000+
1 + 0.500
0 + 0.875
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.250] 0+0 [1.625]
$70,000+
1 + 0.625
1 + 0.125
0 + 0.625
$100,000+
1 + 0.250
0 + 0.625
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.500] 0+0 [1.875]
$100,000+
1 + 0.375
0 + 0.875
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.000] 0+0 [1.375]
$150,000+
1 + 0.125
0 + 0.500
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.625] 0+0 [2.000]
$150,000+
1 + 0.250
0 + 0.750
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.125] 0+0 [1.500]
$200,000+
0 + 1.000
0 + 0.375
0+0 [0.250] 0+0 [0.750] 0+0 [1.250] 0+0 [1.750] 0+0 [2.125]
$200,000+
1 + 0.125
0 + 0.625
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.250] 0+0 [1.625]

FICO
LTV %
FICO RANGE
< 60
60.01 - 75
75.01 - 80
80.01 - 85
LTV %
MAX CLTV %
< 720
720
740
- 1/4
- 1/4
- 1/2
- 5/8
65
> 80 - 95
- 1/2
- 1/4
720 - 739
- 1/4
-1
- 1 1/4
-2
> 65 - 75
> 80 - 95
- 3/4
- 1/2
700 - 719
- 1/4
- 1 1/8
- 1 1/4
-2
> 75 - 80
> 76 - 90
-1
- 3/4
680 - 699
- 1/4
- 1 1/8
- 1 7/8
-3
> 75 - 80
> 90 - 95
-1
- 3/4
660 - 679
- 1 1/2
- 1 1/4
- 2 1/2
- 3 1/2
> 80 - 90
> 81 - 95
-1
- 3/4
640 - 659
-2
- 1 3/4
- 3 1/4
-4
> 90 - 95
> 90 - 95
- 1/2
- 1/4

FICO
LTV %
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
+ 1/4
- 1/4
- 1/4
- 1/4
- 1/4
- 2 3/4
720 - 739
+ 1/4
- 1/4
- 1/2
- 1/2
- 1/2
- 1/2
-3
700 - 719
+ 1/4
- 1/2
- 3/4
-1
-1
-1
-1
- 3 1/2
680 - 699
- 1/2
-2
- 1 3/4
- 1 1/2
- 1 1/4
- 1 1/4
- 3 1/2
660 - 679
-1
-2
- 2 1/2
- 2 3/4
- 2 1/4
- 2 1/4
- 4 1/4
640 - 659
- 1/2
- 1 1/4
- 2 1/2
-3
- 3 1/4
- 2 3/4
- 2 3/4
- 4 3/4
620 - 639
- 3/4
- 1 1/2
-3
-3
- 3 1/4
- 3 1/4
- 3 1/4
- 5 1/2
FIXED RATE
30/20 YR FIXED
RATE
4.125%
4.250%
4.375%
4.500%
4.625%
60-DAY
1 + 1.000
1 + 0.500
0 + 1.000
0 + 0.500
0+0
15 YR FIXED
RATE
3.750%
3.875%
4.000%
4.125%
4.250%
60-DAY
1 + 0.750
1 + 0.375
0 + 1.000
0 + 0.625
0 + 0.250
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
Tuesday, July 7, 2015
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
640 - 679
680 - 719
720
- 0.500
0.000
3.625%
$40,000+
1 + 0.625
1 + 0.250
3.750%
+ 0.250
620 - 639
- 1.500
30 YEAR
3.500%
VA FICO
15 YEAR
3.875%
4.000%
4.125% 4.250%
0 + 0.250
0+0 [0.375] 0+0 [1.000] 0+0 [1.250] 0+0 [1.750]
0+0
0+0 [0.625] 0+0 [1.250] 0+0 [1.500] 0+0 [2.000]
2.875%
3.000%
3.125%
3.250%
$40,000+
1 + 1.000
1 + 0.500
1 + 0.125
0 + 0.250
0+0 [0.125] 0+0 [0.625] 0+0 [0.875]
3.375%
3.500%
3.625%
0+0
0+0 [0.375] 0+0 [0.875] 0+0 [1.125]
$70,000+
1 + 0.375
0 + 1.000
$70,000+
1 + 0.750
1 + 0.250
0 + 0.875
$100,000+
1 + 0.125
0 + 0.750
0+0 [0.250] 0+0 [0.875] 0+0 [1.500] 0+0 [1.750] 0+0 [2.250]
$100,000+
1 + 0.500
0 + 1.000
0 + 0.625
0+0 [0.250] 0+0 [0.625] 0+0 [1.125] 0+0 [1.375]
$150,000+
0 + 1.000
0 + 0.625
0+0 [0.375] 0+0 [1.000] 0+0 [1.625] 0+0 [1.875] 0+0 [2.375]
$150,000+
1 + 0.375
0 + 0.875
0 + 0.500
0+0 [0.375] 0+0 [0.750] 0+0 [1.250] 0+0 [1.500]
$200,000+
0 + 0.875
0 + 0.500
0+0 [0.500] 0+0 [1.125] 0+0 [1.750] 0+0 [2.000] 0+0 [2.500]
$200,000+
1 + 0.250
0 + 0.750
0 + 0.375
0+0 [0.500] 0+0 [0.875] 0+0 [1.375] 0+0 [1.625]
3.750%
3.875%
4.000%
$40,000+
1 + 0.875
1 + 0.250
0 + 0.750
0+0 [0.125] 0+0 [0.750] 0+0 [1.375] 0+0 [2.125]
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
3.875%
4.000%
4.125%
20 YEAR
4.250%
4.375%
4.500% 4.625%
$40,000+
1 + 1.375
1 + 0.500
0 + 0.625
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.875]
4.125%
4.250%
4.375%
4.500%
$70,000+
1 + 1.125
1 + 0.250
0 + 0.375
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [2.125]
$70,000+
1 + 0.625
0 + 1.000
0 + 0.500
0+0 [0.375] 0+0 [1.000] 0+0 [1.625] 0+0 [2.375]
$100,000+
1 + 0.875
0 + 1.000
0 + 0.125
0+0 [0.625] 0+0 [1.125] 0+0 [1.625] 0+0 [2.375]
$100,000+
1 + 0.375
0 + 0.750
0 + 0.250
0+0 [0.625] 0+0 [1.250] 0+0 [1.875] 0+0 [2.625]
$150,000+
1 + 0.750
0 + 0.875
0+0
0+0 [0.750] 0+0 [1.250] 0+0 [1.750] 0+0 [2.500]
$150,000+
1 + 0.250
0 + 0.625
0 + 0.125
0+0 [0.750] 0+0 [1.375] 0+0 [2.000] 0+0 [2.750]
$200,000+
1 + 0.625
0 + 0.750
0+0 [0.125] 0+0 [0.875] 0+0 [1.375] 0+0 [1.875] 0+0 [2.625]
$200,000+
1 + 0.125
0 + 0.500
0+0
0+0 [0.875] 0+0 [1.500] 0+0 [2.125] 0+0 [2.875]
3.125%
3.250%
3.375%
3.500%
$40,000+
1 + 0.750
1 + 0.250
0 + 0.750
0 + 0.250
0+0 [0.250] 0+0 [0.625] 0+0 [1.000]
0+0
0+0 [0.500] 0+0 [0.875] 0+0 [1.250]
15 YEAR
3.250%
3.375%
$40,000+
1 + 0.625
0 + 1.000
3.500%
10 YEAR
3.625%
3.750%
3.875%
4.000%
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.375]
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [1.625]
3.625%
3.750% 3.875%
$70,000+
1 + 0.375
0 + 0.750
$70,000+
1 + 0.500
0 + 1.000
0 + 0.500
$100,000+
1 + 0.125
0 + 0.500
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.625] 0+0 [1.875]
$100,000+
1 + 0.250
0 + 0.750
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.125] 0+0 [1.500]
$150,000+
0 + 1.000
0 + 0.375
0+0 [0.250] 0+0 [0.750] 0+0 [1.250] 0+0 [1.750] 0+0 [2.000]
$150,000+
1 + 0.125
0 + 0.625
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.250] 0+0 [1.625]
$200,000+
0 + 0.875
0 + 0.250
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [1.875] 0+0 [2.125]
$200,000+
0 + 1.000
0 + 0.500
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.375] 0+0 [1.750]

FICO
LTV %
FICO RANGE
< 60
60.01 - 75
75.01 - 80
80.01 - 85
LTV %
MAX CLTV %
< 720
720
740
- 1/4
- 1/4
- 1/2
- 5/8
65
> 80 - 95
- 1/2
- 1/4
720 - 739
- 1/4
-1
- 1 1/4
-2
> 65 - 75
> 80 - 95
- 3/4
- 1/2
700 - 719
- 1/4
- 1 1/8
- 1 1/4
-2
> 75 - 80
> 76 - 90
-1
- 3/4
680 - 699
- 1/4
- 1 1/8
- 1 7/8
-3
> 75 - 80
> 90 - 95
-1
- 3/4
660 - 679
- 1 1/2
- 1 1/4
- 2 1/2
- 3 1/2
> 80 - 90
> 81 - 95
-1
- 3/4
640 - 659
-2
- 1 3/4
- 3 1/4
-4
> 90 - 95
> 90 - 95
- 1/2
- 1/4

FICO
LTV %
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
+ 1/4
- 1/4
- 1/4
- 1/4
- 1/4
- 2 3/4
720 - 739
+ 1/4
- 1/4
- 1/2
- 1/2
- 1/2
- 1/2
-3
700 - 719
+ 1/4
- 1/2
- 3/4
-1
-1
-1
-1
- 3 1/2
680 - 699
- 1/2
-2
- 1 3/4
- 1 1/2
- 1 1/4
- 1 1/4
- 3 1/2
660 - 679
-1
-2
- 2 1/2
- 2 3/4
- 2 1/4
- 2 1/4
- 4 1/4
640 - 659
- 1/2
- 1 1/4
- 2 1/2
-3
- 3 1/4
- 2 3/4
- 2 3/4
- 4 3/4
620 - 639
- 3/4
- 1 1/2
-3
-3
- 3 1/4
- 3 1/4
- 3 1/4
- 5 1/2
FIXED RATE
30/20 YR FIXED
RATE
4.000%
4.125%
4.250%
4.375%
4.500%
60-DAY
1 + 1.375
1 + 0.875
1 + 0.375
0 + 0.875
0 + 0.375
15 YR FIXED
RATE
3.750%
3.875%
4.000%
4.125%
4.250%
60-DAY
1 + 0.625
1 + 0.250
0 + 0.875
0 + 0.500
0 + 0.125
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
640 - 679
680 - 719
720
- 0.500
0.000
3.625%
$40,000+
1 + 0.750
1 + 0.375
3.750%
+ 0.250
620 - 639
- 1.500
30 YEAR
3.500%
VA FICO
15 YEAR
3.875%
4.000%
4.125% 4.250%
0 + 0.375
0+0 [0.250] 0+0 [0.875] 0+0 [1.125] 0+0 [1.500]
0 + 0.125
0+0 [0.500] 0+0 [1.125] 0+0 [1.375] 0+0 [1.750]
2.875%
3.000%
3.125%
3.250%
$40,000+
1 + 0.875
1 + 0.375
1 + 0.125
0 + 0.125
3.375%
3.500%
3.625%
0+0 [0.250] 0+0 [0.750] 0+0 [1.000]
$70,000+
1 + 0.500
1 + 0.125
$70,000+
1 + 0.625
1 + 0.125
0 + 0.875
0+0 [0.125] 0+0 [0.500] 0+0 [1.000] 0+0 [1.250]
$100,000+
1 + 0.250
0 + 0.875
0+0 [0.125] 0+0 [0.750] 0+0 [1.375] 0+0 [1.625] 0+0 [2.000]
$100,000+
1 + 0.375
0 + 0.875
0 + 0.625
0+0 [0.375] 0+0 [0.750] 0+0 [1.250] 0+0 [1.500]
$150,000+
1 + 0.125
0 + 0.750
0+0 [0.250] 0+0 [0.875] 0+0 [1.500] 0+0 [1.750] 0+0 [2.125]
$150,000+
1 + 0.250
0 + 0.750
0 + 0.500
0+0 [0.500] 0+0 [0.875] 0+0 [1.375] 0+0 [1.625]
$200,000+
0 + 1.000
0 + 0.625
0+0 [0.375] 0+0 [1.000] 0+0 [1.625] 0+0 [1.875] 0+0 [2.250]
$200,000+
1 + 0.125
0 + 0.625
0 + 0.375
0+0 [0.625] 0+0 [1.000] 0+0 [1.500] 0+0 [1.750]
3.750%
3.875%
4.000%
4.125%
$40,000+
1 + 1.000
1 + 0.375
0 + 0.875
0+0
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
4.000%
4.125%
$40,000+
1 + 0.625
0 + 0.750
4.250%
0 + 0.125
20 YEAR
4.375%
4.500%
4.625% 4.750%
0+0 [0.500] 0+0 [1.125] 0+0 [1.750] 0+0 [2.125]
4.250%
4.375%
4.500%
0+0 [0.625] 0+0 [1.250] 0+0 [2.000]
$70,000+
1 + 0.375
0 + 0.500
0+0 [0.125] 0+0 [0.750] 0+0 [1.375] 0+0 [2.000] 0+0 [2.375]
$70,000+
1 + 0.750
1 + 0.125
0 + 0.625
0+0 [0.250] 0+0 [0.875] 0+0 [1.500] 0+0 [2.250]
$100,000+
1 + 0.125
0 + 0.250
0+0 [0.375] 0+0 [1.000] 0+0 [1.625] 0+0 [2.250] 0+0 [2.625]
$100,000+
1 + 0.500
0 + 0.875
0 + 0.375
0+0 [0.500] 0+0 [1.125] 0+0 [1.750] 0+0 [2.500]
$150,000+
0 + 1.000
0 + 0.125
0+0 [0.500] 0+0 [1.125] 0+0 [1.750] 0+0 [2.375] 0+0 [2.750]
$150,000+
1 + 0.375
0 + 0.750
0 + 0.250
0+0 [0.625] 0+0 [1.250] 0+0 [1.875] 0+0 [2.625]
$200,000+
0 + 0.875
0+0
0+0 [0.625] 0+0 [1.250] 0+0 [1.875] 0+0 [2.500] 0+0 [2.875]
$200,000+
1 + 0.250
0 + 0.625
0 + 0.125
0+0 [0.750] 0+0 [1.375] 0+0 [2.000] 0+0 [2.750]
3.125%
3.250%
3.375%
3.500%
$40,000+
1 + 0.875
1 + 0.250
0 + 0.750
0 + 0.250
0+0 [0.250] 0+0 [0.625] 0+0 [1.000]
0+0
0+0 [0.500] 0+0 [0.875] 0+0 [1.250]
15 YEAR
3.250%
3.375%
3.500%
$40,000+
1 + 0.625
0 + 1.000
0 + 0.500
10 YEAR
3.625%
3.750%
0+0
3.875%
4.000%
0+0 [0.500] 0+0 [1.000] 0+0 [1.375]
3.625%
3.750% 3.875%
$70,000+
1 + 0.375
0 + 0.750
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.250] 0+0 [1.625]
$70,000+
1 + 0.625
0 + 1.000
0 + 0.500
$100,000+
1 + 0.125
0 + 0.500
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.500] 0+0 [1.875]
$100,000+
1 + 0.375
0 + 0.750
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.125] 0+0 [1.500]
$150,000+
0 + 1.000
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.625] 0+0 [2.000]
$150,000+
1 + 0.250
0 + 0.625
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.250] 0+0 [1.625]
$200,000+
0 + 0.875
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.250] 0+0 [1.750] 0+0 [2.125]
$200,000+
1 + 0.125
0 + 0.500
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.375] 0+0 [1.750]

FICO
LTV %
FICO RANGE
< 60
60.01 - 75
75.01 - 80
80.01 - 85
LTV %
MAX CLTV %
< 720
720
740
- 1/4
- 1/4
- 1/2
- 5/8
65
> 80 - 95
- 1/2
- 1/4
720 - 739
- 1/4
-1
- 1 1/4
-2
> 65 - 75
> 80 - 95
- 3/4
- 1/2
700 - 719
- 1/4
- 1 1/8
- 1 1/4
-2
> 75 - 80
> 76 - 90
-1
- 3/4
680 - 699
- 1/4
- 1 1/8
- 1 7/8
-3
> 75 - 80
> 90 - 95
-1
- 3/4
660 - 679
- 1 1/2
- 1 1/4
- 2 1/2
- 3 1/2
> 80 - 90
> 81 - 95
-1
- 3/4
640 - 659
-2
- 1 3/4
- 3 1/4
-4
> 90 - 95
> 90 - 95
- 1/2
- 1/4

FICO
LTV %
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
+ 1/4
- 1/4
- 1/4
- 1/4
- 1/4
- 2 3/4
720 - 739
+ 1/4
- 1/4
- 1/2
- 1/2
- 1/2
- 1/2
-3
700 - 719
+ 1/4
- 1/2
- 3/4
-1
-1
-1
-1
- 3 1/2
680 - 699
- 1/2
-2
- 1 3/4
- 1 1/2
- 1 1/4
- 1 1/4
- 3 1/2
660 - 679
-1
-2
- 2 1/2
- 2 3/4
- 2 1/4
- 2 1/4
- 4 1/4
640 - 659
- 1/2
- 1 1/4
- 2 1/2
-3
- 3 1/4
- 2 3/4
- 2 3/4
- 4 3/4
620 - 639
- 3/4
- 1 1/2
-3
-3
- 3 1/4
- 3 1/4
- 3 1/4
- 5 1/2
FIXED RATE
30/20 YR FIXED
RATE
4.000%
4.125%
4.250%
4.375%
4.500%
60-DAY
1 + 1.375
1 + 0.875
1 + 0.375
0 + 0.875
0 + 0.375
15 YR FIXED
RATE
3.750%
3.875%
4.000%
4.125%
4.250%
60-DAY
1 + 0.750
1 + 0.375
0 + 1.000
0 + 0.625
0 + 0.250
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
640 - 679
680 - 719
720
- 0.500
0.000
3.625%
3.750%
+ 0.250
620 - 639
- 1.500
30 YEAR
3.500%
VA FICO
15 YEAR
3.875%
4.000%
4.125% 4.250%
$40,000+
1 + 0.625
1 + 0.250
0 + 0.500
0+0 [0.125] 0+0 [0.750] 0+0 [1.000] 0+0 [1.500]
2.875%
3.000%
3.125%
3.250%
$40,000+
1 + 0.875
1 + 0.500
1 + 0.125
0 + 0.125
3.375%
3.500%
3.625%
0+0 [0.250] 0+0 [0.625] 0+0 [1.000]
$70,000+
1 + 0.375
0 + 1.000
0 + 0.250
0+0 [0.375] 0+0 [1.000] 0+0 [1.250] 0+0 [1.750]
$70,000+
1 + 0.625
1 + 0.250
0 + 0.875
0+0 [0.125] 0+0 [0.500] 0+0 [0.875] 0+0 [1.250]
$100,000+
1 + 0.125
0 + 0.750
0+0
0+0 [0.625] 0+0 [1.250] 0+0 [1.500] 0+0 [2.000]
$100,000+
1 + 0.375
0 + 1.000
0 + 0.625
0+0 [0.375] 0+0 [0.750] 0+0 [1.125] 0+0 [1.500]
$150,000+
0 + 1.000
0 + 0.625
0+0 [0.125] 0+0 [0.750] 0+0 [1.375] 0+0 [1.625] 0+0 [2.125]
$150,000+
1 + 0.250
0 + 0.875
0 + 0.500
0+0 [0.500] 0+0 [0.875] 0+0 [1.250] 0+0 [1.625]
$200,000+
0 + 0.875
0 + 0.500
0+0 [0.250] 0+0 [0.875] 0+0 [1.500] 0+0 [1.750] 0+0 [2.250]
$200,000+
1 + 0.125
0 + 0.750
0 + 0.375
0+0 [0.625] 0+0 [1.000] 0+0 [1.375] 0+0 [1.750]
3.750%
3.875%
4.000%
4.125%
$40,000+
1 + 1.125
1 + 0.500
0 + 0.875
0 + 0.125
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
4.000%
4.125%
$40,000+
1 + 0.625
0 + 0.750
4.250%
0 + 0.125
20 YEAR
4.375%
4.500%
4.625% 4.750%
0+0 [0.500] 0+0 [1.125] 0+0 [1.875] 0+0 [2.125]
4.250%
4.375%
4.500%
0+0 [0.625] 0+0 [1.250] 0+0 [2.000]
$70,000+
1 + 0.375
0 + 0.500
0+0 [0.125] 0+0 [0.750] 0+0 [1.375] 0+0 [2.125] 0+0 [2.375]
$70,000+
1 + 0.875
1 + 0.250
0 + 0.625
0+0 [0.125] 0+0 [0.875] 0+0 [1.500] 0+0 [2.250]
$100,000+
1 + 0.125
0 + 0.250
0+0 [0.375] 0+0 [1.000] 0+0 [1.625] 0+0 [2.375] 0+0 [2.625]
$100,000+
1 + 0.625
0 + 1.000
0 + 0.375
0+0 [0.375] 0+0 [1.125] 0+0 [1.750] 0+0 [2.500]
$150,000+
0 + 1.000
0 + 0.125
0+0 [0.500] 0+0 [1.125] 0+0 [1.750] 0+0 [2.500] 0+0 [2.750]
$150,000+
1 + 0.500
0 + 0.875
0 + 0.250
0+0 [0.500] 0+0 [1.250] 0+0 [1.875] 0+0 [2.625]
$200,000+
0 + 0.875
0+0
0+0 [0.625] 0+0 [1.250] 0+0 [1.875] 0+0 [2.625] 0+0 [2.875]
$200,000+
1 + 0.375
0 + 0.750
0 + 0.125
0+0 [0.625] 0+0 [1.375] 0+0 [2.000] 0+0 [2.750]
3.125%
3.250%
3.375%
3.500%
$40,000+
1 + 0.875
1 + 0.250
0 + 0.750
0 + 0.250
0+0 [0.250] 0+0 [0.625] 0+0 [1.000]
0+0
0+0 [0.500] 0+0 [0.875] 0+0 [1.250]
15 YEAR
3.250%
3.375%
3.500%
$40,000+
1 + 0.625
1 + 0.125
0 + 0.500
10 YEAR
3.625%
3.750%
0+0
3.875%
4.000%
0+0 [0.500] 0+0 [1.000] 0+0 [1.375]
3.625%
3.750% 3.875%
$70,000+
1 + 0.375
0 + 0.875
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.250] 0+0 [1.625]
$70,000+
1 + 0.625
0 + 1.000
0 + 0.500
$100,000+
1 + 0.125
0 + 0.625
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.500] 0+0 [1.875]
$100,000+
1 + 0.375
0 + 0.750
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.125] 0+0 [1.500]
$150,000+
0 + 1.000
0 + 0.500
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.625] 0+0 [2.000]
$150,000+
1 + 0.250
0 + 0.625
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.250] 0+0 [1.625]
$200,000+
0 + 0.875
0 + 0.375
0+0 [0.250] 0+0 [0.750] 0+0 [1.250] 0+0 [1.750] 0+0 [2.125]
$200,000+
1 + 0.125
0 + 0.500
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.375] 0+0 [1.750]

FICO
LTV %
FICO RANGE
< 60
60.01 - 75
75.01 - 80
80.01 - 85
LTV %
MAX CLTV %
< 720
720
740
- 1/4
- 1/4
- 1/2
- 5/8
65
> 80 - 95
- 1/2
- 1/4
720 - 739
- 1/4
-1
- 1 1/4
-2
> 65 - 75
> 80 - 95
- 3/4
- 1/2
700 - 719
- 1/4
- 1 1/8
- 1 1/4
-2
> 75 - 80
> 76 - 90
-1
- 3/4
680 - 699
- 1/4
- 1 1/8
- 1 7/8
-3
> 75 - 80
> 90 - 95
-1
- 3/4
660 - 679
- 1 1/2
- 1 1/4
- 2 1/2
- 3 1/2
> 80 - 90
> 81 - 95
-1
- 3/4
640 - 659
-2
- 1 3/4
- 3 1/4
-4
> 90 - 95
> 90 - 95
- 1/2
- 1/4

FICO
LTV %
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
+ 1/4
- 1/4
- 1/4
- 1/4
- 1/4
- 2 3/4
720 - 739
+ 1/4
- 1/4
- 1/2
- 1/2
- 1/2
- 1/2
-3
700 - 719
+ 1/4
- 1/2
- 3/4
-1
-1
-1
-1
- 3 1/2
680 - 699
- 1/2
-2
- 1 3/4
- 1 1/2
- 1 1/4
- 1 1/4
- 3 1/2
660 - 679
-1
-2
- 2 1/2
- 2 3/4
- 2 1/4
- 2 1/4
- 4 1/4
640 - 659
- 1/2
- 1 1/4
- 2 1/2
-3
- 3 1/4
- 2 3/4
- 2 3/4
- 4 3/4
620 - 639
- 3/4
- 1 1/2
-3
-3
- 3 1/4
- 3 1/4
- 3 1/4
- 5 1/2
FIXED RATE
30/20 YR FIXED
RATE
4.000%
4.125%
4.250%
4.375%
4.500%
60-DAY
1 + 1.375
1 + 0.875
1 + 0.375
0 + 0.875
0 + 0.375
15 YR FIXED
RATE
3.750%
3.875%
4.000%
4.125%
4.250%
60-DAY
1 + 0.750
1 + 0.375
0 + 1.000
0 + 0.625
0 + 0.250
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
Friday, July 10, 2015
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
640 - 679
680 - 719
720
- 0.500
0.000
3.750%
$40,000+
1 + 1.125
0 + 0.875
3.875%
+ 0.250
620 - 639
- 1.500
30 YEAR
3.625%
VA FICO
15 YEAR
4.000%
4.125%
4.250% 4.375%
0 + 0.375
0+0 [0.250] 0+0 [0.500] 0+0 [1.125] 0+0 [1.625]
0 + 0.125
0+0 [0.500] 0+0 [0.750] 0+0 [1.375] 0+0 [1.875]
3.000%
3.125%
3.250%
3.375%
$40,000+
1 + 0.875
1 + 0.500
0 + 0.500
0 + 0.125
3.500%
3.625%
3.750%
0+0 [0.250] 0+0 [0.625] 0+0 [1.125]
$70,000+
1 + 0.875
0 + 0.625
$70,000+
1 + 0.625
1 + 0.250
0 + 0.250
0+0 [0.125] 0+0 [0.500] 0+0 [0.875] 0+0 [1.375]
$100,000+
1 + 0.625
0 + 0.375
0+0 [0.125] 0+0 [0.750] 0+0 [1.000] 0+0 [1.625] 0+0 [2.125]
$100,000+
1 + 0.375
0 + 1.000
0+0
0+0 [0.375] 0+0 [0.750] 0+0 [1.125] 0+0 [1.625]
$150,000+
1 + 0.500
0 + 0.250
0+0 [0.250] 0+0 [0.875] 0+0 [1.125] 0+0 [1.750] 0+0 [2.250]
$150,000+
1 + 0.250
0 + 0.875
0+0 [0.125] 0+0 [0.500] 0+0 [0.875] 0+0 [1.250] 0+0 [1.750]
$200,000+
1 + 0.375
0 + 0.125
0+0 [0.375] 0+0 [1.000] 0+0 [1.250] 0+0 [1.875] 0+0 [2.375]
$200,000+
1 + 0.125
0 + 0.750
0+0 [0.250] 0+0 [0.625] 0+0 [1.000] 0+0 [1.375] 0+0 [1.875]
3.875%
4.000%
4.125%
$40,000+
1 + 1.125
1 + 0.375
0 + 0.625
0+0 [0.250] 0+0 [0.875] 0+0 [1.625] 0+0 [2.125]
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
4.000%
4.125%
4.250%
$40,000+
1 + 1.250
1 + 0.375
0 + 0.625
20 YEAR
4.375%
4.500%
0 + 0.125
4.625% 4.750%
0+0 [0.750] 0+0 [1.500] 0+0 [2.125]
4.250%
4.375%
4.500%
4.625%
$70,000+
1 + 1.000
1 + 0.125
0 + 0.375
0+0 [0.125] 0+0 [1.000] 0+0 [1.750] 0+0 [2.375]
$70,000+
1 + 0.875
1 + 0.125
0 + 0.375
0+0 [0.500] 0+0 [1.125] 0+0 [1.875] 0+0 [2.375]
$100,000+
1 + 0.750
0 + 0.875
0 + 0.125
0+0 [0.375] 0+0 [1.250] 0+0 [2.000] 0+0 [2.625]
$100,000+
1 + 0.625
0 + 0.875
0 + 0.125
0+0 [0.750] 0+0 [1.375] 0+0 [2.125] 0+0 [2.625]
$150,000+
1 + 0.625
0 + 0.750
0+0
0+0 [0.500] 0+0 [1.375] 0+0 [2.125] 0+0 [2.750]
$150,000+
1 + 0.500
0 + 0.750
0+0
0+0 [0.875] 0+0 [1.500] 0+0 [2.250] 0+0 [2.750]
$200,000+
1 + 0.500
0 + 0.625
0+0 [0.125] 0+0 [0.625] 0+0 [1.500] 0+0 [2.250] 0+0 [2.875]
$200,000+
1 + 0.375
0 + 0.625
3.250%
3.375%
3.500%
3.625%
$40,000+
1 + 0.625
1 + 0.125
0 + 0.625
0 + 0.125
15 YEAR
3.250%
3.375%
3.500%
$40,000+
1 + 1.000
1 + 0.500
0 + 0.875
0+0 [0.125] 0+0 [1.000] 0+0 [1.625] 0+0 [2.375] 0+0 [2.875]
10 YEAR
3.625%
3.750%
3.875%
4.000%
0 + 0.375
0+0 [0.125] 0+0 [0.750] 0+0 [1.250]
0 + 0.125
0+0 [0.375] 0+0 [1.000] 0+0 [1.500]
3.750%
3.875% 4.000%
0+0 [0.375] 0+0 [0.750] 0+0 [1.250]
$70,000+
1 + 0.750
1 + 0.250
0 + 0.625
$70,000+
1 + 0.375
0 + 0.875
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.000] 0+0 [1.500]
$100,000+
1 + 0.500
0 + 1.000
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.250] 0+0 [1.750]
$100,000+
1 + 0.125
0 + 0.625
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.250] 0+0 [1.750]
$150,000+
1 + 0.375
0 + 0.875
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.375] 0+0 [1.875]
$150,000+
0 + 1.000
0 + 0.500
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.375] 0+0 [1.875]
$200,000+
1 + 0.250
0 + 0.750
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.500] 0+0 [2.000]
$200,000+
0 + 0.875
0 + 0.375

FICO
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.500] 0+0 [2.000]
LTV %
FICO RANGE
< 60
60.01 - 75
75.01 - 80
80.01 - 85
LTV %
MAX CLTV %
< 720
720
740
- 1/4
- 1/4
- 1/2
- 5/8
65
> 80 - 95
- 1/2
- 1/4
720 - 739
- 1/4
-1
- 1 1/4
-2
> 65 - 75
> 80 - 95
- 3/4
- 1/2
700 - 719
- 1/4
- 1 1/8
- 1 1/4
-2
> 75 - 80
> 76 - 90
-1
- 3/4
680 - 699
- 1/4
- 1 1/8
- 1 7/8
-3
> 75 - 80
> 90 - 95
-1
- 3/4
660 - 679
- 1 1/2
- 1 1/4
- 2 1/2
- 3 1/2
> 80 - 90
> 81 - 95
-1
- 3/4
640 - 659
-2
- 1 3/4
- 3 1/4
-4
> 90 - 95
> 90 - 95
- 1/2
- 1/4

FICO
LTV %
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
+ 1/4
- 1/4
- 1/4
- 1/4
- 1/4
- 2 3/4
720 - 739
+ 1/4
- 1/4
- 1/2
- 1/2
- 1/2
- 1/2
-3
700 - 719
+ 1/4
- 1/2
- 3/4
-1
-1
-1
-1
- 3 1/2
680 - 699
- 1/2
-2
- 1 3/4
- 1 1/2
- 1 1/4
- 1 1/4
- 3 1/2
660 - 679
-1
-2
- 2 1/2
- 2 3/4
- 2 1/4
- 2 1/4
- 4 1/4
640 - 659
- 1/2
- 1 1/4
- 2 1/2
-3
- 3 1/4
- 2 3/4
- 2 3/4
- 4 3/4
620 - 639
- 3/4
- 1 1/2
-3
-3
- 3 1/4
- 3 1/4
- 3 1/4
- 5 1/2
FIXED RATE
30/20 YR FIXED
RATE
4.125%
4.250%
4.375%
4.500%
4.625%
60-DAY
1 + 1.250
1 + 0.750
1 + 0.250
0 + 0.750
0 + 0.250
15 YR FIXED
RATE
3.875%
4.000%
4.125%
4.250%
4.375%
60-DAY
1 + 0.500
1 + 0.125
0 + 0.750
0 + 0.375
0+0
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
640 - 679
680 - 719
720
- 0.500
0.000
3.750%
3.875%
+ 0.250
620 - 639
- 1.500
30 YEAR
3.625%
VA FICO
15 YEAR
4.000%
4.125%
4.250% 4.375%
$40,000+
1 + 1.375
1 + 0.125
0 + 0.500
0+0 [0.125] 0+0 [0.375] 0+0 [1.000] 0+0 [1.500]
3.125%
3.250%
3.375%
$40,000+
1 + 0.750
0 + 0.625
0 + 0.250
0+0 [0.250] 0+0 [0.500] 0+0 [1.000] 0+0 [1.375]
3.500%
3.625%
3.750%
3.875%
0+0
0+0 [0.500] 0+0 [0.750] 0+0 [1.250] 0+0 [1.625]
$70,000+
1 + 1.125
0 + 0.875
0 + 0.250
0+0 [0.375] 0+0 [0.625] 0+0 [1.250] 0+0 [1.750]
$70,000+
1 + 0.500
0 + 0.375
$100,000+
1 + 0.875
0 + 0.625
0+0
0+0 [0.625] 0+0 [0.875] 0+0 [1.500] 0+0 [2.000]
$100,000+
1 + 0.250
0 + 0.125
0+0 [0.250] 0+0 [0.750] 0+0 [1.000] 0+0 [1.500] 0+0 [1.875]
$150,000+
1 + 0.750
0 + 0.500
0+0 [0.125] 0+0 [0.750] 0+0 [1.000] 0+0 [1.625] 0+0 [2.125]
$150,000+
1 + 0.125
0+0
0+0 [0.375] 0+0 [0.875] 0+0 [1.125] 0+0 [1.625] 0+0 [2.000]
$200,000+
1 + 0.625
0 + 0.375
0+0 [0.250] 0+0 [0.875] 0+0 [1.125] 0+0 [1.750] 0+0 [2.250]
$200,000+
0 + 1.000
0+0 [0.125] 0+0 [0.500] 0+0 [1.000] 0+0 [1.250] 0+0 [1.750] 0+0 [2.125]
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
4.125%
4.250%
$40,000+
1 + 0.625
0 + 0.875
4.375%
20 YEAR
4.500%
4.625%
4.750% 4.875%
0 + 0.250
0+0 [0.500] 0+0 [0.750] 0+0 [1.875] 0+0 [2.125]
0+0
0+0 [0.750] 0+0 [1.000] 0+0 [2.125] 0+0 [2.375]
4.000%
4.125%
4.250%
$40,000+
1 + 0.625
0 + 0.875
0+0
4.375%
4.500%
4.625%
4.750%
0+0 [0.750] 0+0 [1.375] 0+0 [2.125] 0+0 [2.125]
$70,000+
1 + 0.375
0 + 0.625
$70,000+
1 + 0.375
0 + 0.625
0+0 [0.250] 0+0 [1.000] 0+0 [1.625] 0+0 [2.375] 0+0 [2.375]
$100,000+
1 + 0.125
0 + 0.375
0+0 [0.250] 0+0 [1.000] 0+0 [1.250] 0+0 [2.375] 0+0 [2.625]
$100,000+
1 + 0.125
0 + 0.375
0+0 [0.500] 0+0 [1.250] 0+0 [1.875] 0+0 [2.625] 0+0 [2.625]
$150,000+
0 + 1.000
0 + 0.250
0+0 [0.375] 0+0 [1.125] 0+0 [1.375] 0+0 [2.500] 0+0 [2.750]
$150,000+
0 + 1.000
0 + 0.250
0+0 [0.625] 0+0 [1.375] 0+0 [2.000] 0+0 [2.750] 0+0 [2.750]
$200,000+
0 + 0.875
0 + 0.125
0+0 [0.500] 0+0 [1.250] 0+0 [1.500] 0+0 [2.625] 0+0 [2.875]
$200,000+
0 + 0.875
0 + 0.125
0+0 [0.750] 0+0 [1.500] 0+0 [2.125] 0+0 [2.875] 0+0 [2.875]
3.250%
3.375%
3.500%
3.625%
$40,000+
1 + 0.750
1 + 0.125
0 + 0.625
0 + 0.250
0+0 [0.125] 0+0 [0.625] 0+0 [1.000]
0+0
0+0 [0.375] 0+0 [0.875] 0+0 [1.250]
15 YEAR
3.250%
3.375%
3.500%
$40,000+
1 + 1.125
1 + 0.500
0 + 0.875
10 YEAR
3.625%
3.750%
3.875%
4.000%
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.000]
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.250]
3.750%
3.875% 4.000%
$70,000+
1 + 0.875
1 + 0.250
0 + 0.625
$70,000+
1 + 0.500
0 + 0.875
0 + 0.375
$100,000+
1 + 0.625
0 + 1.000
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.500]
$100,000+
1 + 0.250
0 + 0.625
0 + 0.125
0+0 [0.250] 0+0 [0.625] 0+0 [1.125] 0+0 [1.500]
$150,000+
1 + 0.500
0 + 0.875
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.250] 0+0 [1.625]
$150,000+
1 + 0.125
0 + 0.500
0+0
0+0 [0.375] 0+0 [0.750] 0+0 [1.250] 0+0 [1.625]
$200,000+
1 + 0.375
0 + 0.750
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [1.750]
$200,000+
0 + 1.000
0 + 0.375

FICO
0+0 [0.125] 0+0 [0.500] 0+0 [0.875] 0+0 [1.375] 0+0 [1.750]
LTV %
FICO RANGE
< 60
60.01 - 75
75.01 - 80
80.01 - 85
LTV %
MAX CLTV %
< 720
720
740
- 1/4
- 1/4
- 1/2
- 5/8
65
> 80 - 95
- 1/2
- 1/4
720 - 739
- 1/4
-1
- 1 1/4
-2
> 65 - 75
> 80 - 95
- 3/4
- 1/2
700 - 719
- 1/4
- 1 1/8
- 1 1/4
-2
> 75 - 80
> 76 - 90
-1
- 3/4
680 - 699
- 1/4
- 1 1/8
- 1 7/8
-3
> 75 - 80
> 90 - 95
-1
- 3/4
660 - 679
- 1 1/2
- 1 1/4
- 2 1/2
- 3 1/2
> 80 - 90
> 81 - 95
-1
- 3/4
640 - 659
-2
- 1 3/4
- 3 1/4
-4
> 90 - 95
> 90 - 95
- 1/2
- 1/4

FICO
LTV %
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
+ 1/4
- 1/4
- 1/4
- 1/4
- 1/4
- 2 3/4
720 - 739
+ 1/4
- 1/4
- 1/2
- 1/2
- 1/2
- 1/2
-3
700 - 719
+ 1/4
- 1/2
- 3/4
-1
-1
-1
-1
- 3 1/2
680 - 699
- 1/2
-2
- 1 3/4
- 1 1/2
- 1 1/4
- 1 1/4
- 3 1/2
660 - 679
-1
-2
- 2 1/2
- 2 3/4
- 2 1/4
- 2 1/4
- 4 1/4
640 - 659
- 1/2
- 1 1/4
- 2 1/2
-3
- 3 1/4
- 2 3/4
- 2 3/4
- 4 3/4
620 - 639
- 3/4
- 1 1/2
-3
-3
- 3 1/4
- 3 1/4
- 3 1/4
- 5 1/2
FIXED RATE
30/20 YR FIXED
RATE
4.250%
4.375%
4.500%
4.625%
4.750%
60-DAY
1 + 1.000
1 + 0.500
0 + 1.000
0 + 0.500
0+0
15 YR FIXED
RATE
3.875%
4.000%
4.125%
4.250%
4.375%
60-DAY
1 + 0.500
1 + 0.125
0 + 0.750
0 + 0.375
0+0
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
640 - 679
680 - 719
720
- 0.500
0.000
3.750%
$40,000+
1 + 0.750
0 + 0.500
3.875%
0+0
+ 0.250
620 - 639
- 1.500
30 YEAR
3.625%
VA FICO
15 YEAR
4.000%
4.125%
4.250% 4.375%
0+0 [0.625] 0+0 [1.000] 0+0 [1.375] 0+0 [1.875]
3.000%
3.125%
3.250%
3.375%
$40,000+
1 + 0.875
1 + 0.500
0 + 0.500
0 + 0.125
3.500%
3.625%
3.750%
0+0 [0.375] 0+0 [0.625] 0+0 [1.000]
$70,000+
1 + 0.500
0 + 0.250
0+0 [0.250] 0+0 [0.875] 0+0 [1.250] 0+0 [1.625] 0+0 [2.125]
$70,000+
1 + 0.625
1 + 0.250
0 + 0.250
0+0 [0.125] 0+0 [0.625] 0+0 [0.875] 0+0 [1.250]
$100,000+
1 + 0.250
0+0
0+0 [0.500] 0+0 [1.125] 0+0 [1.500] 0+0 [1.875] 0+0 [2.375]
$100,000+
1 + 0.375
0 + 1.000
0+0
0+0 [0.375] 0+0 [0.875] 0+0 [1.125] 0+0 [1.500]
$150,000+
1 + 0.125
0+0 [0.125] 0+0 [0.625] 0+0 [1.250] 0+0 [1.625] 0+0 [2.000] 0+0 [2.500]
$150,000+
1 + 0.250
0 + 0.875
0+0 [0.125] 0+0 [0.500] 0+0 [1.000] 0+0 [1.250] 0+0 [1.625]
$200,000+
0 + 1.000
0+0 [0.250] 0+0 [0.750] 0+0 [1.375] 0+0 [1.750] 0+0 [2.125] 0+0 [2.625]
$200,000+
1 + 0.125
0 + 0.750
0+0 [0.250] 0+0 [0.625] 0+0 [1.125] 0+0 [1.375] 0+0 [1.750]
3.875%
4.000%
4.125%
$40,000+
1 + 1.000
1 + 0.250
0 + 0.500
0+0 [0.250] 0+0 [1.000] 0+0 [1.750] 0+0 [2.125]
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
4.000%
4.125%
4.250%
20 YEAR
4.375%
4.500%
4.625% 4.750%
$40,000+
1 + 1.125
1 + 0.250
0 + 0.500
0+0 [0.125] 0+0 [0.750] 0+0 [1.500] 0+0 [2.125]
4.250%
4.375%
4.500%
4.625%
$70,000+
1 + 0.875
0 + 1.000
0 + 0.250
0+0 [0.375] 0+0 [1.000] 0+0 [1.750] 0+0 [2.375]
$70,000+
1 + 0.750
0 + 1.000
0 + 0.250
0+0 [0.500] 0+0 [1.250] 0+0 [2.000] 0+0 [2.375]
$100,000+
1 + 0.625
0 + 0.750
0+0
0+0 [0.625] 0+0 [1.250] 0+0 [2.000] 0+0 [2.625]
$100,000+
1 + 0.500
0 + 0.750
0+0
0+0 [0.750] 0+0 [1.500] 0+0 [2.250] 0+0 [2.625]
$150,000+
1 + 0.500
0 + 0.625
0+0 [0.125] 0+0 [0.750] 0+0 [1.375] 0+0 [2.125] 0+0 [2.750]
$150,000+
1 + 0.375
0 + 0.625
0+0 [0.125] 0+0 [0.875] 0+0 [1.625] 0+0 [2.375] 0+0 [2.750]
$200,000+
1 + 0.375
0 + 0.500
0+0 [0.250] 0+0 [0.875] 0+0 [1.500] 0+0 [2.250] 0+0 [2.875]
$200,000+
1 + 0.250
0 + 0.500
0+0 [0.250] 0+0 [1.000] 0+0 [1.750] 0+0 [2.500] 0+0 [2.875]
3.250%
3.375%
3.500%
3.625%
$40,000+
1 + 0.625
1 + 0.125
0 + 0.625
0 + 0.125
15 YEAR
3.250%
3.375%
3.500%
$40,000+
1 + 1.000
1 + 0.375
0 + 0.875
10 YEAR
3.625%
3.750%
3.875%
4.000%
0 + 0.250
0+0 [0.125] 0+0 [0.625] 0+0 [1.125]
0+0
0+0 [0.375] 0+0 [0.875] 0+0 [1.375]
3.750%
3.875% 4.000%
0+0 [0.250] 0+0 [0.625] 0+0 [1.125]
$70,000+
1 + 0.750
1 + 0.125
0 + 0.625
$70,000+
1 + 0.375
0 + 0.875
0 + 0.375
0+0 [0.125] 0+0 [0.500] 0+0 [0.875] 0+0 [1.375]
$100,000+
1 + 0.500
0 + 0.875
0 + 0.375
0+0 [0.250] 0+0 [0.625] 0+0 [1.125] 0+0 [1.625]
$100,000+
1 + 0.125
0 + 0.625
0 + 0.125
0+0 [0.375] 0+0 [0.750] 0+0 [1.125] 0+0 [1.625]
$150,000+
1 + 0.375
0 + 0.750
0 + 0.250
0+0 [0.375] 0+0 [0.750] 0+0 [1.250] 0+0 [1.750]
$150,000+
0 + 1.000
0 + 0.500
0+0
0+0 [0.500] 0+0 [0.875] 0+0 [1.250] 0+0 [1.750]
$200,000+
1 + 0.250
0 + 0.625
0 + 0.125
0+0 [0.500] 0+0 [0.875] 0+0 [1.375] 0+0 [1.875]
$200,000+
0 + 0.875
0 + 0.375

FICO
0+0 [0.125] 0+0 [0.625] 0+0 [1.000] 0+0 [1.375] 0+0 [1.875]
LTV %
FICO RANGE
< 60
60.01 - 75
75.01 - 80
80.01 - 85
LTV %
MAX CLTV %
< 720
720
740
- 1/4
- 1/4
- 1/2
- 5/8
65
> 80 - 95
- 1/2
- 1/4
720 - 739
- 1/4
-1
- 1 1/4
-2
> 65 - 75
> 80 - 95
- 3/4
- 1/2
700 - 719
- 1/4
- 1 1/8
- 1 1/4
-2
> 75 - 80
> 76 - 90
-1
- 3/4
680 - 699
- 1/4
- 1 1/8
- 1 7/8
-3
> 75 - 80
> 90 - 95
-1
- 3/4
660 - 679
- 1 1/2
- 1 1/4
- 2 1/2
- 3 1/2
> 80 - 90
> 81 - 95
-1
- 3/4
640 - 659
-2
- 1 3/4
- 3 1/4
-4
> 90 - 95
> 90 - 95
- 1/2
- 1/4

FICO
LTV %
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
+ 1/4
- 1/4
- 1/4
- 1/4
- 1/4
- 2 3/4
720 - 739
+ 1/4
- 1/4
- 1/2
- 1/2
- 1/2
- 1/2
-3
700 - 719
+ 1/4
- 1/2
- 3/4
-1
-1
-1
-1
- 3 1/2
680 - 699
- 1/2
-2
- 1 3/4
- 1 1/2
- 1 1/4
- 1 1/4
- 3 1/2
660 - 679
-1
-2
- 2 1/2
- 2 3/4
- 2 1/4
- 2 1/4
- 4 1/4
640 - 659
- 1/2
- 1 1/4
- 2 1/2
-3
- 3 1/4
- 2 3/4
- 2 3/4
- 4 3/4
620 - 639
- 3/4
- 1 1/2
-3
-3
- 3 1/4
- 3 1/4
- 3 1/4
- 5 1/2
FIXED RATE
30/20 YR FIXED
RATE
4.125%
4.250%
4.375%
4.500%
4.625%
60-DAY
1 + 1.250
1 + 0.750
1 + 0.250
0 + 0.750
0 + 0.250
15 YR FIXED
RATE
3.875%
4.000%
4.125%
4.250%
4.375%
60-DAY
1 + 0.500
1 + 0.125
0 + 0.750
0 + 0.375
0+0
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
- 0.500
0.000
640 - 679
680 - 719
720
3.750%
$40,000+
1 + 0.750
0 + 0.500
3.875%
0+0
+ 0.250
620 - 639
- 1.500
30 YEAR
3.625%
VA FICO
15 YEAR
4.000%
4.125%
4.250% 4.375%
0+0 [0.625] 0+0 [1.000] 0+0 [1.375] 0+0 [1.875]
3.000%
3.125%
3.250%
3.375%
$40,000+
1 + 0.875
1 + 0.500
0 + 0.500
0 + 0.125
3.500%
3.625%
3.750%
0+0 [0.375] 0+0 [0.625] 0+0 [1.000]
$70,000+
1 + 0.500
0 + 0.250
0+0 [0.250] 0+0 [0.875] 0+0 [1.250] 0+0 [1.625] 0+0 [2.125]
$70,000+
1 + 0.625
1 + 0.250
0 + 0.250
0+0 [0.125] 0+0 [0.625] 0+0 [0.875] 0+0 [1.250]
$100,000+
1 + 0.250
0+0
0+0 [0.500] 0+0 [1.125] 0+0 [1.500] 0+0 [1.875] 0+0 [2.375]
$100,000+
1 + 0.375
0 + 1.000
0+0
0+0 [0.375] 0+0 [0.875] 0+0 [1.125] 0+0 [1.500]
$150,000+
1 + 0.125
0+0 [0.125] 0+0 [0.625] 0+0 [1.250] 0+0 [1.625] 0+0 [2.000] 0+0 [2.500]
$150,000+
1 + 0.250
0 + 0.875
0+0 [0.125] 0+0 [0.500] 0+0 [1.000] 0+0 [1.250] 0+0 [1.625]
$200,000+
0 + 1.000
0+0 [0.250] 0+0 [0.750] 0+0 [1.375] 0+0 [1.750] 0+0 [2.125] 0+0 [2.625]
$200,000+
1 + 0.125
0 + 0.750
0+0 [0.250] 0+0 [0.625] 0+0 [1.125] 0+0 [1.375] 0+0 [1.750]
3.875%
4.000%
4.125%
$40,000+
1 + 0.875
1 + 0.125
0 + 0.375
0+0 [0.500] 0+0 [1.250] 0+0 [1.875] 0+0 [2.125]
0 + 0.125
0+0 [0.750] 0+0 [1.500] 0+0 [2.125] 0+0 [2.375]
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
4.000%
4.125%
$40,000+
1 + 1.000
1 + 0.125
4.250%
20 YEAR
4.375%
4.500%
4.625% 4.750%
0 + 0.250
0+0 [0.250] 0+0 [1.000] 0+0 [1.750] 0+0 [2.125]
0+0
0+0 [0.500] 0+0 [1.250] 0+0 [2.000] 0+0 [2.375]
4.250%
4.375%
4.500%
4.625%
$70,000+
1 + 0.750
0 + 0.875
$70,000+
1 + 0.625
0 + 0.875
$100,000+
1 + 0.500
0 + 0.625
0+0 [0.250] 0+0 [0.750] 0+0 [1.500] 0+0 [2.250] 0+0 [2.625]
$100,000+
1 + 0.375
0 + 0.625
0+0 [0.125] 0+0 [1.000] 0+0 [1.750] 0+0 [2.375] 0+0 [2.625]
$150,000+
1 + 0.375
0 + 0.500
0+0 [0.375] 0+0 [0.875] 0+0 [1.625] 0+0 [2.375] 0+0 [2.750]
$150,000+
1 + 0.250
0 + 0.500
0+0 [0.250] 0+0 [1.125] 0+0 [1.875] 0+0 [2.500] 0+0 [2.750]
$200,000+
1 + 0.250
0 + 0.375
0+0 [0.500] 0+0 [1.000] 0+0 [1.750] 0+0 [2.500] 0+0 [2.875]
$200,000+
1 + 0.125
0 + 0.375
0+0 [0.375] 0+0 [1.250] 0+0 [2.000] 0+0 [2.625] 0+0 [2.875]
3.250%
3.375%
3.500%
3.625%
$40,000+
1 + 0.625
1 + 0.125
0 + 0.625
0 + 0.125
15 YEAR
3.250%
3.375%
3.500%
$40,000+
1 + 1.000
1 + 0.375
0 + 0.875
10 YEAR
3.625%
3.750%
3.875%
4.000%
0 + 0.250
0+0 [0.125] 0+0 [0.625] 0+0 [1.125]
0+0
0+0 [0.375] 0+0 [0.875] 0+0 [1.375]
3.750%
3.875% 4.000%
0+0 [0.250] 0+0 [0.625] 0+0 [1.000]
$70,000+
1 + 0.750
1 + 0.125
0 + 0.625
$70,000+
1 + 0.375
0 + 0.875
0 + 0.375
0+0 [0.125] 0+0 [0.500] 0+0 [0.875] 0+0 [1.250]
$100,000+
1 + 0.500
0 + 0.875
0 + 0.375
0+0 [0.250] 0+0 [0.625] 0+0 [1.125] 0+0 [1.625]
$100,000+
1 + 0.125
0 + 0.625
0 + 0.125
0+0 [0.375] 0+0 [0.750] 0+0 [1.125] 0+0 [1.500]
$150,000+
1 + 0.375
0 + 0.750
0 + 0.250
0+0 [0.375] 0+0 [0.750] 0+0 [1.250] 0+0 [1.750]
$150,000+
0 + 1.000
0 + 0.500
0+0
0+0 [0.500] 0+0 [0.875] 0+0 [1.250] 0+0 [1.625]
$200,000+
1 + 0.250
0 + 0.625
0 + 0.125
0+0 [0.500] 0+0 [0.875] 0+0 [1.375] 0+0 [1.875]
$200,000+
0 + 0.875
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.000] 0+0 [1.375] 0+0 [1.750]
LTV %
FICO
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
0.000
-0.250
-0.250
-0.500
-0.250
-0.250
-0.250
-0.750
720 - 739
0.000
-0.250
-0.500
-0.750
-0.500
-0.500
-0.500
-1.000
700 - 719
0.000
-0.500
-1.000
-1.250
-1.000
-1.000
-1.000
-1.500
680 - 699
0.000
-0.500
-1.250
-1.750
-1.500
-1.250
-1.250
-1.500
660 - 679
0.000
-1.000
-2.250
-2.750
-2.750
-2.250
-2.250
-2.250
640 - 659
620 - 639
-0.500
-0.500
-1.250
-1.500
-2.750
-3.000
-3.000
-3.000
-3.250
-3.250
-2.750
-3.250
-2.750
-3.250
-2.750
-3.500

FICO RANGE
LTV %
MAX CLTV %
< 720
720
75
80
-0.375
-0.375
65
> 80 - 95
-0.875
> 65 - 75
> 80 - 95
> 75 - 90
LTV%
FICO
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
740
-0.375
-0.625
-0.625
-0.875
-1.000
-0.625
720 - 739
-0.375
-1.000
-1.000
-1.125
-1.125
-0.875
700 - 719
-0.375
-1.000
-1.000
-1.125
> 76 - 90
-1.375
-1.125
680 - 699
-0.375
-1.125
-1.125
-1.750
> 75 - 95
> 90 - 95
-1.375
-1.125
660 - 679
-0.625
-1.125
-1.125
-1.875
95
> 95 - 97
-1.875
-1.875
640 - 659
-0.625
-1.625
-1.625
-2.625
FIXED RATE
30/20 YR FIXED
RATE
4.125%
4.250%
4.375%
4.500%
4.625%
60-DAY
1 + 1.375
1 + 0.875
1 + 0.375
0 + 0.875
0 + 0.375
15 YR FIXED
RATE
3.875%
4.000%
4.125%
4.250%
4.375%
60-DAY
1 + 0.500
1 + 0.125
0 + 0.750
0 + 0.375
0+0
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
- 0.500
0.000
640 - 679
680 - 719
720
3.750%
3.875%
+ 0.250
620 - 639
- 1.500
30 YEAR
3.625%
VA FICO
15 YEAR
4.000%
4.125%
4.250% 4.375%
$40,000+
1 + 0.625
0 + 0.625
0+0 [0.250] 0+0 [0.625] 0+0 [1.125] 0+0 [1.500] 0+0 [2.000]
3.000%
3.125%
3.250%
3.375%
$40,000+
1 + 0.875
1 + 0.500
0 + 0.500
0 + 0.125
3.500%
3.625%
3.750%
0+0 [0.375] 0+0 [0.625] 0+0 [1.125]
$70,000+
1 + 0.375
0 + 0.375
0+0 [0.500] 0+0 [0.875] 0+0 [1.375] 0+0 [1.750] 0+0 [2.250]
$70,000+
1 + 0.625
1 + 0.250
0 + 0.250
0+0 [0.125] 0+0 [0.625] 0+0 [0.875] 0+0 [1.375]
$100,000+
1 + 0.125
0 + 0.125
0+0 [0.750] 0+0 [1.125] 0+0 [1.625] 0+0 [2.000] 0+0 [2.500]
$100,000+
1 + 0.375
0 + 1.000
0+0
0+0 [0.375] 0+0 [0.875] 0+0 [1.125] 0+0 [1.625]
$150,000+
0 + 1.000
0+0
0+0 [0.875] 0+0 [1.250] 0+0 [1.750] 0+0 [2.125] 0+0 [2.625]
$150,000+
1 + 0.250
0 + 0.875
0+0 [0.125] 0+0 [0.500] 0+0 [1.000] 0+0 [1.250] 0+0 [1.750]
$200,000+
0 + 0.875
0+0 [0.125] 0+0 [1.000] 0+0 [1.375] 0+0 [1.875] 0+0 [2.250] 0+0 [2.750]
$200,000+
1 + 0.125
0 + 0.750
0+0 [0.250] 0+0 [0.625] 0+0 [1.125] 0+0 [1.375] 0+0 [1.875]
3.875%
4.000%
4.125%
$40,000+
1 + 0.750
0 + 1.000
0 + 0.250
0+0 [0.625] 0+0 [1.250] 0+0 [2.000] 0+0 [2.125]
0+0
0+0 [0.875] 0+0 [1.500] 0+0 [2.250] 0+0 [2.375]
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
4.000%
4.125%
$40,000+
1 + 0.875
0 + 1.000
4.250%
20 YEAR
4.375%
4.500%
4.625% 4.750%
0 + 0.250
0+0 [0.375] 0+0 [1.125] 0+0 [1.875] 0+0 [2.125]
0+0
0+0 [0.625] 0+0 [1.375] 0+0 [2.125] 0+0 [2.375]
4.250%
4.375%
4.500%
4.625%
$70,000+
1 + 0.625
0 + 0.750
$70,000+
1 + 0.500
0 + 0.750
$100,000+
1 + 0.375
0 + 0.500
0+0 [0.250] 0+0 [0.875] 0+0 [1.625] 0+0 [2.375] 0+0 [2.625]
$100,000+
1 + 0.250
0 + 0.500
0+0 [0.250] 0+0 [1.125] 0+0 [1.750] 0+0 [2.500] 0+0 [2.625]
$150,000+
1 + 0.250
0 + 0.375
0+0 [0.375] 0+0 [1.000] 0+0 [1.750] 0+0 [2.500] 0+0 [2.750]
$150,000+
1 + 0.125
0 + 0.375
0+0 [0.375] 0+0 [1.250] 0+0 [1.875] 0+0 [2.625] 0+0 [2.750]
$200,000+
1 + 0.125
0 + 0.250
0+0 [0.500] 0+0 [1.125] 0+0 [1.875] 0+0 [2.625] 0+0 [2.875]
$200,000+
0 + 1.000
0 + 0.250
0+0 [0.500] 0+0 [1.375] 0+0 [2.000] 0+0 [2.750] 0+0 [2.875]
3.250%
3.375%
3.500%
3.625%
$40,000+
1 + 0.625
0 + 1.000
0 + 0.500
0 + 0.125
15 YEAR
3.250%
3.375%
3.500%
$40,000+
1 + 1.000
1 + 0.375
0 + 0.750
10 YEAR
3.625%
3.750%
3.875%
4.000%
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.125]
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.375]
3.750%
3.875% 4.000%
0+0 [0.250] 0+0 [0.625] 0+0 [1.125]
$70,000+
1 + 0.750
1 + 0.125
0 + 0.500
$70,000+
1 + 0.375
0 + 0.750
0 + 0.250
0+0 [0.125] 0+0 [0.500] 0+0 [0.875] 0+0 [1.375]
$100,000+
1 + 0.500
0 + 0.875
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.250] 0+0 [1.625]
$100,000+
1 + 0.125
0 + 0.500
0+0
0+0 [0.375] 0+0 [0.750] 0+0 [1.125] 0+0 [1.625]
$150,000+
1 + 0.375
0 + 0.750
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [1.750]
$150,000+
0 + 1.000
0 + 0.375
0+0 [0.125] 0+0 [0.500] 0+0 [0.875] 0+0 [1.250] 0+0 [1.750]
$200,000+
1 + 0.250
0 + 0.625
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.500] 0+0 [1.875]
$200,000+
0 + 0.875
0 + 0.250
0+0 [0.250] 0+0 [0.625] 0+0 [1.000] 0+0 [1.375] 0+0 [1.875]
LTV %
FICO
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
0.000
-0.250
-0.250
-0.500
-0.250
-0.250
-0.250
-0.750
720 - 739
0.000
-0.250
-0.500
-0.750
-0.500
-0.500
-0.500
-1.000
700 - 719
0.000
-0.500
-1.000
-1.250
-1.000
-1.000
-1.000
-1.500
680 - 699
0.000
-0.500
-1.250
-1.750
-1.500
-1.250
-1.250
-1.500
660 - 679
0.000
-1.000
-2.250
-2.750
-2.750
-2.250
-2.250
-2.250
640 - 659
620 - 639
-0.500
-0.500
-1.250
-1.500
-2.750
-3.000
-3.000
-3.000
-3.250
-3.250
-2.750
-3.250
-2.750
-3.250
-2.750
-3.500

FICO RANGE
LTV %
MAX CLTV %
< 720
720
75
80
-0.375
-0.375
65
> 80 - 95
-0.875
> 65 - 75
> 80 - 95
> 75 - 90
LTV%
FICO
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
740
-0.375
-0.625
-0.625
-0.875
-1.000
-0.625
720 - 739
-0.375
-1.000
-1.000
-1.125
-1.125
-0.875
700 - 719
-0.375
-1.000
-1.000
-1.125
> 76 - 90
-1.375
-1.125
680 - 699
-0.375
-1.125
-1.125
-1.750
> 75 - 95
> 90 - 95
-1.375
-1.125
660 - 679
-0.625
-1.125
-1.125
-1.875
95
> 95 - 97
-1.875
-1.875
640 - 659
-0.625
-1.625
-1.625
-2.625
FIXED RATE
30/20 YR FIXED
RATE
4.125%
4.250%
4.375%
4.500%
4.625%
60-DAY
1 + 1.125
1 + 0.625
1 + 0.125
0 + 0.625
0 + 0.125
15 YR FIXED
RATE
3.875%
4.000%
4.125%
4.250%
4.375%
60-DAY
1 + 0.500
1 + 0.125
0 + 0.750
0 + 0.375
0+0
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
- 0.500
0.000
640 - 679
680 - 719
720
3.625%
$40,000+
1 + 1.000
1 + 0.500
3.750%
+ 0.250
620 - 639
- 1.500
30 YEAR
3.500%
VA FICO
15 YEAR
3.875%
4.000%
4.125% 4.250%
0 + 0.250
0+0 [0.250] 0+0 [0.875] 0+0 [1.250] 0+0 [1.500]
0+0
0+0 [0.500] 0+0 [1.125] 0+0 [1.500] 0+0 [1.750]
3.000%
3.125%
3.250%
3.375%
$40,000+
1 + 0.750
1 + 0.375
0 + 0.375
0+0
3.500%
3.625%
3.750%
0+0 [0.375] 0+0 [0.750] 0+0 [1.125]
$70,000+
1 + 0.750
1 + 0.250
$70,000+
1 + 0.500
1 + 0.125
$100,000+
1 + 0.500
0 + 1.000
0+0 [0.250] 0+0 [0.750] 0+0 [1.375] 0+0 [1.750] 0+0 [2.000]
$100,000+
1 + 0.250
0 + 0.875
0+0 [0.125] 0+0 [0.500] 0+0 [0.875] 0+0 [1.250] 0+0 [1.625]
$150,000+
1 + 0.375
0 + 0.875
0+0 [0.375] 0+0 [0.875] 0+0 [1.500] 0+0 [1.875] 0+0 [2.125]
$150,000+
1 + 0.125
0 + 0.750
0+0 [0.250] 0+0 [0.625] 0+0 [1.000] 0+0 [1.375] 0+0 [1.750]
$200,000+
1 + 0.250
0 + 0.750
0+0 [0.500] 0+0 [1.000] 0+0 [1.625] 0+0 [2.000] 0+0 [2.250]
$200,000+
0 + 1.000
0 + 0.625
0+0 [0.375] 0+0 [0.750] 0+0 [1.125] 0+0 [1.500] 0+0 [1.875]
3.750%
3.875%
4.000%
4.125%
$40,000+
1 + 1.125
1 + 0.500
0 + 0.875
0+0
0 + 0.125
0+0 [0.250] 0+0 [0.625] 0+0 [1.000] 0+0 [1.375]
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
4.000%
4.125%
$40,000+
1 + 0.750
0 + 0.750
4.250%
0+0
20 YEAR
4.375%
4.500%
4.625% 4.750%
0+0 [0.500] 0+0 [1.250] 0+0 [2.000] 0+0 [2.125]
4.250%
4.375%
4.500%
0+0 [0.750] 0+0 [1.375] 0+0 [2.125]
$70,000+
1 + 0.500
0 + 0.500
0+0 [0.250] 0+0 [0.750] 0+0 [1.500] 0+0 [2.250] 0+0 [2.375]
$70,000+
1 + 0.875
1 + 0.250
0 + 0.625
0+0 [0.250] 0+0 [1.000] 0+0 [1.625] 0+0 [2.375]
$100,000+
1 + 0.250
0 + 0.250
0+0 [0.500] 0+0 [1.000] 0+0 [1.750] 0+0 [2.500] 0+0 [2.625]
$100,000+
1 + 0.625
0 + 1.000
0 + 0.375
0+0 [0.500] 0+0 [1.250] 0+0 [1.875] 0+0 [2.625]
$150,000+
1 + 0.125
0 + 0.125
0+0 [0.625] 0+0 [1.125] 0+0 [1.875] 0+0 [2.625] 0+0 [2.750]
$150,000+
1 + 0.500
0 + 0.875
0 + 0.250
0+0 [0.625] 0+0 [1.375] 0+0 [2.000] 0+0 [2.750]
$200,000+
0 + 1.000
0+0
0+0 [0.750] 0+0 [1.250] 0+0 [2.000] 0+0 [2.750] 0+0 [2.875]
$200,000+
1 + 0.375
0 + 0.750
0 + 0.125
0+0 [0.750] 0+0 [1.500] 0+0 [2.125] 0+0 [2.875]
3.125%
3.250%
3.375%
3.500%
3.625%
3.750% 3.875%
$40,000+
1 + 1.125
1 + 0.500
0 + 1.000
0 + 0.500
0+0
0+0 [0.375] 0+0 [0.750]
15 YEAR
3.250%
3.375%
3.500%
$40,000+
1 + 1.000
1 + 0.375
0 + 0.750
10 YEAR
3.625%
0 + 0.125
3.750%
3.875%
4.000%
0+0 [0.250] 0+0 [0.750] 0+0 [1.250]
$70,000+
1 + 0.750
1 + 0.125
0 + 0.500
0+0 [0.125] 0+0 [0.500] 0+0 [1.000] 0+0 [1.500]
$70,000+
1 + 0.875
1 + 0.250
0 + 0.750
0 + 0.250
0+0 [0.250] 0+0 [0.625] 0+0 [1.000]
$100,000+
1 + 0.500
0 + 0.875
0 + 0.250
0+0 [0.375] 0+0 [0.750] 0+0 [1.250] 0+0 [1.750]
$100,000+
1 + 0.625
0 + 1.000
0 + 0.500
0+0
0+0 [0.500] 0+0 [0.875] 0+0 [1.250]
$150,000+
1 + 0.375
0 + 0.750
0 + 0.125
0+0 [0.500] 0+0 [0.875] 0+0 [1.375] 0+0 [1.875]
$150,000+
1 + 0.500
0 + 0.875
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.000] 0+0 [1.375]
$200,000+
1 + 0.250
0 + 0.625
0+0
0+0 [0.625] 0+0 [1.000] 0+0 [1.500] 0+0 [2.000]
$200,000+
1 + 0.375
0 + 0.750
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.125] 0+0 [1.500]
LTV %
FICO
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
0.000
-0.250
-0.250
-0.500
-0.250
-0.250
-0.250
-0.750
720 - 739
0.000
-0.250
-0.500
-0.750
-0.500
-0.500
-0.500
-1.000
700 - 719
0.000
-0.500
-1.000
-1.250
-1.000
-1.000
-1.000
-1.500
680 - 699
0.000
-0.500
-1.250
-1.750
-1.500
-1.250
-1.250
-1.500
660 - 679
0.000
-1.000
-2.250
-2.750
-2.750
-2.250
-2.250
-2.250
640 - 659
620 - 639
-0.500
-0.500
-1.250
-1.500
-2.750
-3.000
-3.000
-3.000
-3.250
-3.250
-2.750
-3.250
-2.750
-3.250
-2.750
-3.500

FICO RANGE
LTV %
MAX CLTV %
< 720
720
75
80
-0.375
-0.375
65
> 80 - 95
-0.875
> 65 - 75
> 80 - 95
> 75 - 90
LTV%
FICO
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
740
-0.375
-0.625
-0.625
-0.875
-1.000
-0.625
720 - 739
-0.375
-1.000
-1.000
-1.125
-1.125
-0.875
700 - 719
-0.375
-1.000
-1.000
-1.125
> 76 - 90
-1.375
-1.125
680 - 699
-0.375
-1.125
-1.125
-1.750
> 75 - 95
> 90 - 95
-1.375
-1.125
660 - 679
-0.625
-1.125
-1.125
-1.875
95
> 95 - 97
-1.875
-1.875
640 - 659
-0.625
-1.625
-1.625
-2.625
FIXED RATE
30/20 YR FIXED
RATE
4.125%
4.250%
4.375%
4.500%
4.625%
60-DAY
1 + 1.000
1 + 0.500
0 + 1.000
0 + 0.500
0+0
15 YR FIXED
RATE
3.875%
4.000%
4.125%
4.250%
4.375%
60-DAY
1 + 0.500
1 + 0.125
0 + 0.750
0 + 0.375
0+0
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
- 0.500
0.000
640 - 679
680 - 719
720
3.625%
$40,000+
1 + 1.000
1 + 0.500
3.750%
+ 0.250
620 - 639
- 1.500
30 YEAR
3.500%
VA FICO
15 YEAR
3.875%
4.000%
4.125% 4.250%
0 + 0.375
0+0 [0.250] 0+0 [0.875] 0+0 [1.125] 0+0 [1.500]
0 + 0.125
0+0 [0.500] 0+0 [1.125] 0+0 [1.375] 0+0 [1.750]
3.000%
3.125%
3.250%
3.375%
$40,000+
1 + 0.750
1 + 0.375
0 + 0.375
0+0
3.500%
3.625%
3.750%
0+0 [0.375] 0+0 [0.750] 0+0 [1.125]
$70,000+
1 + 0.750
1 + 0.250
$70,000+
1 + 0.500
1 + 0.125
$100,000+
1 + 0.500
0 + 1.000
0+0 [0.125] 0+0 [0.750] 0+0 [1.375] 0+0 [1.625] 0+0 [2.000]
$100,000+
1 + 0.250
0 + 0.875
0+0 [0.125] 0+0 [0.500] 0+0 [0.875] 0+0 [1.250] 0+0 [1.625]
$150,000+
1 + 0.375
0 + 0.875
0+0 [0.250] 0+0 [0.875] 0+0 [1.500] 0+0 [1.750] 0+0 [2.125]
$150,000+
1 + 0.125
0 + 0.750
0+0 [0.250] 0+0 [0.625] 0+0 [1.000] 0+0 [1.375] 0+0 [1.750]
$200,000+
1 + 0.250
0 + 0.750
0+0 [0.375] 0+0 [1.000] 0+0 [1.625] 0+0 [1.875] 0+0 [2.250]
$200,000+
0 + 1.000
0 + 0.625
0+0 [0.375] 0+0 [0.750] 0+0 [1.125] 0+0 [1.500] 0+0 [1.875]
3.750%
3.875%
4.000%
4.125%
$40,000+
1 + 1.125
1 + 0.500
0 + 0.875
0 + 0.125
0 + 0.125
0+0 [0.250] 0+0 [0.625] 0+0 [1.000] 0+0 [1.375]
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
4.000%
4.125%
$40,000+
1 + 0.750
0 + 0.875
4.250%
0 + 0.125
20 YEAR
4.375%
4.500%
4.625% 4.750%
0+0 [0.500] 0+0 [1.125] 0+0 [1.875] 0+0 [2.125]
4.250%
4.375%
4.500%
0+0 [0.625] 0+0 [1.375] 0+0 [2.125]
$70,000+
1 + 0.500
0 + 0.625
0+0 [0.125] 0+0 [0.750] 0+0 [1.375] 0+0 [2.125] 0+0 [2.375]
$70,000+
1 + 0.875
1 + 0.250
0 + 0.625
0+0 [0.125] 0+0 [0.875] 0+0 [1.625] 0+0 [2.375]
$100,000+
1 + 0.250
0 + 0.375
0+0 [0.375] 0+0 [1.000] 0+0 [1.625] 0+0 [2.375] 0+0 [2.625]
$100,000+
1 + 0.625
0 + 1.000
0 + 0.375
0+0 [0.375] 0+0 [1.125] 0+0 [1.875] 0+0 [2.625]
$150,000+
1 + 0.125
0 + 0.250
0+0 [0.500] 0+0 [1.125] 0+0 [1.750] 0+0 [2.500] 0+0 [2.750]
$150,000+
1 + 0.500
0 + 0.875
0 + 0.250
0+0 [0.500] 0+0 [1.250] 0+0 [2.000] 0+0 [2.750]
$200,000+
0 + 1.000
0 + 0.125
0+0 [0.625] 0+0 [1.250] 0+0 [1.875] 0+0 [2.625] 0+0 [2.875]
$200,000+
1 + 0.375
0 + 0.750
0 + 0.125
0+0 [0.625] 0+0 [1.375] 0+0 [2.125] 0+0 [2.875]
3.250%
3.375%
3.500%
3.625%
$40,000+
1 + 0.625
0 + 1.000
0 + 0.500
0+0
15 YEAR
3.250%
3.375%
3.500%
$40,000+
1 + 1.000
1 + 0.375
0 + 0.750
10 YEAR
3.625%
3.750%
3.875%
4.000%
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.125]
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.375]
3.750%
3.875% 4.000%
0+0 [0.375] 0+0 [0.750] 0+0 [1.125]
$70,000+
1 + 0.750
1 + 0.125
0 + 0.500
$70,000+
1 + 0.375
0 + 0.750
0 + 0.250
0+0 [0.250] 0+0 [0.625] 0+0 [1.000] 0+0 [1.375]
$100,000+
1 + 0.500
0 + 0.875
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.250] 0+0 [1.625]
$100,000+
1 + 0.125
0 + 0.500
0+0
0+0 [0.500] 0+0 [0.875] 0+0 [1.250] 0+0 [1.625]
$150,000+
1 + 0.375
0 + 0.750
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [1.750]
$150,000+
0 + 1.000
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.000] 0+0 [1.375] 0+0 [1.750]
$200,000+
1 + 0.250
0 + 0.625
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.500] 0+0 [1.875]
$200,000+
0 + 0.875
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.125] 0+0 [1.500] 0+0 [1.875]
LTV %
FICO
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
0.000
-0.250
-0.250
-0.500
-0.250
-0.250
-0.250
-0.750
720 - 739
0.000
-0.250
-0.500
-0.750
-0.500
-0.500
-0.500
-1.000
700 - 719
0.000
-0.500
-1.000
-1.250
-1.000
-1.000
-1.000
-1.500
680 - 699
0.000
-0.500
-1.250
-1.750
-1.500
-1.250
-1.250
-1.500
660 - 679
0.000
-1.000
-2.250
-2.750
-2.750
-2.250
-2.250
-2.250
640 - 659
620 - 639
-0.500
-0.500
-1.250
-1.500
-2.750
-3.000
-3.000
-3.000
-3.250
-3.250
-2.750
-3.250
-2.750
-3.250
-2.750
-3.500

FICO RANGE
LTV %
MAX CLTV %
< 720
720
75
80
-0.375
-0.375
65
> 80 - 95
-0.875
> 65 - 75
> 80 - 95
> 75 - 90
LTV%
FICO
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
740
-0.375
-0.625
-0.625
-0.875
-1.000
-0.625
720 - 739
-0.375
-1.000
-1.000
-1.125
-1.125
-0.875
700 - 719
-0.375
-1.000
-1.000
-1.125
> 76 - 90
-1.375
-1.125
680 - 699
-0.375
-1.125
-1.125
-1.750
> 75 - 95
> 90 - 95
-1.375
-1.125
660 - 679
-0.625
-1.125
-1.125
-1.875
95
> 95 - 97
-1.875
-1.875
640 - 659
-0.625
-1.625
-1.625
-2.625
FIXED RATE
30/20 YR FIXED
RATE
4.125%
4.250%
4.375%
4.500%
4.625%
60-DAY
1 + 1.000
1 + 0.500
0 + 1.000
0 + 0.500
0+0
15 YR FIXED
RATE
3.750%
3.875%
4.000%
4.125%
4.250%
60-DAY
1 + 0.750
1 + 0.375
0 + 1.000
0 + 0.625
0 + 0.250
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
- 0.500
0.000
640 - 679
680 - 719
720
$40,000+
1 + 0.625
3.750%
3.875%
+ 0.250
620 - 639
- 1.500
30 YEAR
3.625%
VA FICO
15 YEAR
4.000%
4.125%
4.250% 4.375%
0 + 0.250
0+0 [0.250] 0+0 [0.875] 0+0 [1.250] 0+0 [1.500] 0+0 [2.000]
0+0
0+0 [0.500] 0+0 [1.125] 0+0 [1.500] 0+0 [1.750] 0+0 [2.250]
3.000%
3.125%
3.250%
3.375%
$40,000+
1 + 0.875
1 + 0.500
0 + 0.500
0 + 0.125
3.500%
3.625%
3.750%
0+0 [0.375] 0+0 [0.625] 0+0 [1.000]
$70,000+
1 + 0.375
$70,000+
1 + 0.625
1 + 0.250
0 + 0.250
0+0 [0.125] 0+0 [0.625] 0+0 [0.875] 0+0 [1.250]
$100,000+
1 + 0.125
0+0 [0.250] 0+0 [0.750] 0+0 [1.375] 0+0 [1.750] 0+0 [2.000] 0+0 [2.500]
$100,000+
1 + 0.375
0 + 1.000
0+0
0+0 [0.375] 0+0 [0.875] 0+0 [1.125] 0+0 [1.500]
$150,000+
0 + 1.000
0+0 [0.375] 0+0 [0.875] 0+0 [1.500] 0+0 [1.875] 0+0 [2.125] 0+0 [2.625]
$150,000+
1 + 0.250
0 + 0.875
0+0 [0.125] 0+0 [0.500] 0+0 [1.000] 0+0 [1.250] 0+0 [1.625]
$200,000+
0 + 0.875
0+0 [0.500] 0+0 [1.000] 0+0 [1.625] 0+0 [2.000] 0+0 [2.250] 0+0 [2.750]
$200,000+
1 + 0.125
0 + 0.750
0+0 [0.250] 0+0 [0.625] 0+0 [1.125] 0+0 [1.375] 0+0 [1.750]
3.875%
4.000%
4.125%
$40,000+
1 + 0.625
0 + 0.875
0 + 0.125
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
4.000%
4.125%
$40,000+
1 + 0.750
0 + 0.875
4.250%
0 + 0.125
20 YEAR
4.375%
4.500%
4.625% 4.750%
0+0 [0.500] 0+0 [1.125] 0+0 [1.875] 0+0 [2.125]
4.250%
4.375%
4.500%
4.625%
0+0 [0.625] 0+0 [1.375] 0+0 [2.000] 0+0 [2.125]
$70,000+
1 + 0.500
0 + 0.625
0+0 [0.125] 0+0 [0.750] 0+0 [1.375] 0+0 [2.125] 0+0 [2.375]
$70,000+
1 + 0.375
0 + 0.625
0+0 [0.125] 0+0 [0.875] 0+0 [1.625] 0+0 [2.250] 0+0 [2.375]
$100,000+
1 + 0.250
0 + 0.375
0+0 [0.375] 0+0 [1.000] 0+0 [1.625] 0+0 [2.375] 0+0 [2.625]
$100,000+
1 + 0.125
0 + 0.375
0+0 [0.375] 0+0 [1.125] 0+0 [1.875] 0+0 [2.500] 0+0 [2.625]
$150,000+
1 + 0.125
0 + 0.250
0+0 [0.500] 0+0 [1.125] 0+0 [1.750] 0+0 [2.500] 0+0 [2.750]
$150,000+
0 + 1.000
0 + 0.250
0+0 [0.500] 0+0 [1.250] 0+0 [2.000] 0+0 [2.625] 0+0 [2.750]
$200,000+
0 + 1.000
0 + 0.125
0+0 [0.625] 0+0 [1.250] 0+0 [1.875] 0+0 [2.625] 0+0 [2.875]
$200,000+
0 + 0.875
0 + 0.125
0+0 [0.625] 0+0 [1.375] 0+0 [2.125] 0+0 [2.750] 0+0 [2.875]
3.250%
3.375%
3.500%
3.625%
$40,000+
1 + 0.625
1 + 0.125
0 + 0.500
0 + 0.125
15 YEAR
3.250%
3.375%
3.500%
$40,000+
1 + 1.000
1 + 0.375
0 + 0.750
10 YEAR
3.625%
3.750%
3.875%
4.000%
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.125]
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.375]
3.750%
3.875% 4.000%
0+0 [0.250] 0+0 [0.625] 0+0 [1.125]
$70,000+
1 + 0.750
1 + 0.125
0 + 0.500
$70,000+
1 + 0.375
0 + 0.875
0 + 0.250
0+0 [0.125] 0+0 [0.500] 0+0 [0.875] 0+0 [1.375]
$100,000+
1 + 0.500
0 + 0.875
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.250] 0+0 [1.625]
$100,000+
1 + 0.125
0 + 0.625
0+0
0+0 [0.375] 0+0 [0.750] 0+0 [1.125] 0+0 [1.625]
$150,000+
1 + 0.375
0 + 0.750
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [1.750]
$150,000+
0 + 1.000
0 + 0.500
0+0 [0.125] 0+0 [0.500] 0+0 [0.875] 0+0 [1.250] 0+0 [1.750]
$200,000+
1 + 0.250
0 + 0.625
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.500] 0+0 [1.875]
$200,000+
0 + 0.875
0 + 0.375
0+0 [0.250] 0+0 [0.625] 0+0 [1.000] 0+0 [1.375] 0+0 [1.875]
LTV %
FICO
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
0.000
-0.250
-0.250
-0.500
-0.250
-0.250
-0.250
-0.750
720 - 739
0.000
-0.250
-0.500
-0.750
-0.500
-0.500
-0.500
-1.000
700 - 719
0.000
-0.500
-1.000
-1.250
-1.000
-1.000
-1.000
-1.500
680 - 699
0.000
-0.500
-1.250
-1.750
-1.500
-1.250
-1.250
-1.500
660 - 679
0.000
-1.000
-2.250
-2.750
-2.750
-2.250
-2.250
-2.250
640 - 659
620 - 639
-0.500
-0.500
-1.250
-1.500
-2.750
-3.000
-3.000
-3.000
-3.250
-3.250
-2.750
-3.250
-2.750
-3.250
-2.750
-3.500

FICO RANGE
LTV %
MAX CLTV %
< 720
720
75
80
-0.375
-0.375
65
> 80 - 95
-0.875
> 65 - 75
> 80 - 95
> 75 - 90
LTV%
FICO
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
740
-0.375
-0.625
-0.625
-0.875
-1.000
-0.625
720 - 739
-0.375
-1.000
-1.000
-1.125
-1.125
-0.875
700 - 719
-0.375
-1.000
-1.000
-1.125
> 76 - 90
-1.375
-1.125
680 - 699
-0.375
-1.125
-1.125
-1.750
> 75 - 95
> 90 - 95
-1.375
-1.125
660 - 679
-0.625
-1.125
-1.125
-1.875
95
> 95 - 97
-1.875
-1.875
640 - 659
-0.625
-1.625
-1.625
-2.625
FIXED RATE
30/20 YR FIXED
RATE
4.125%
4.250%
4.375%
4.500%
4.625%
60-DAY
1 + 1.125
1 + 0.625
1 + 0.125
0 + 0.625
0 + 0.125
15 YR FIXED
RATE
3.875%
4.000%
4.125%
4.250%
4.375%
60-DAY
1 + 0.625
1 + 0.250
0 + 0.875
0 + 0.500
0 + 0.125
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
- 0.500
0.000
640 - 679
680 - 719
720
3.625%
$40,000+
1 + 0.750
1 + 0.250
3.750%
0 + 0.125
+ 0.250
620 - 639
- 1.500
30 YEAR
3.500%
VA FICO
15 YEAR
3.875%
4.000%
4.125% 4.250%
0+0 [0.500] 0+0 [1.125] 0+0 [1.375] 0+0 [1.750]
3.000%
3.125%
3.250%
$40,000+
1 + 0.625
1 + 0.250
0 + 0.250
0+0 [0.125] 0+0 [0.625] 0+0 [0.875] 0+0 [1.250]
3.375%
3.500%
3.625%
3.750%
0+0
0+0 [0.375] 0+0 [0.875] 0+0 [1.125] 0+0 [1.500]
$70,000+
1 + 0.500
0 + 1.000
0+0 [0.125] 0+0 [0.750] 0+0 [1.375] 0+0 [1.625] 0+0 [2.000]
$70,000+
1 + 0.375
0 + 1.000
$100,000+
1 + 0.250
0 + 0.750
0+0 [0.375] 0+0 [1.000] 0+0 [1.625] 0+0 [1.875] 0+0 [2.250]
$100,000+
1 + 0.125
0 + 0.750
0+0 [0.250] 0+0 [0.625] 0+0 [1.125] 0+0 [1.375] 0+0 [1.750]
$150,000+
1 + 0.125
0 + 0.625
0+0 [0.500] 0+0 [1.125] 0+0 [1.750] 0+0 [2.000] 0+0 [2.375]
$150,000+
0 + 1.000
0 + 0.625
0+0 [0.375] 0+0 [0.750] 0+0 [1.250] 0+0 [1.500] 0+0 [1.875]
$200,000+
0 + 1.000
0 + 0.500
0+0 [0.625] 0+0 [1.250] 0+0 [1.875] 0+0 [2.125] 0+0 [2.500]
$200,000+
0 + 0.875
0 + 0.500
0+0 [0.500] 0+0 [0.875] 0+0 [1.375] 0+0 [1.625] 0+0 [2.000]
3.625%
3.750%
3.875%
4.000%
$40,000+
1 + 1.250
1 + 0.375
0 + 0.750
0 + 0.250
0+0 [0.500] 0+0 [1.125] 0+0 [1.625]
0+0
0+0 [0.750] 0+0 [1.375] 0+0 [1.875]
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
3.875%
4.000%
4.125%
20 YEAR
4.250%
4.375%
4.500% 4.625%
$40,000+
1 + 1.250
1 + 0.375
0 + 0.500
0+0 [0.250] 0+0 [0.875] 0+0 [1.375] 0+0 [2.125]
4.125%
4.250%
4.375%
$70,000+
1 + 1.000
1 + 0.125
0 + 0.250
0+0 [0.500] 0+0 [1.125] 0+0 [1.625] 0+0 [2.375]
$70,000+
1 + 1.000
1 + 0.125
0 + 0.500
$100,000+
1 + 0.750
0 + 0.875
0+0
0+0 [0.750] 0+0 [1.375] 0+0 [1.875] 0+0 [2.625]
$100,000+
1 + 0.750
0 + 0.875
0 + 0.250
0+0 [0.250] 0+0 [1.000] 0+0 [1.625] 0+0 [2.125]
$150,000+
1 + 0.625
0 + 0.750
0+0 [0.125] 0+0 [0.875] 0+0 [1.500] 0+0 [2.000] 0+0 [2.750]
$150,000+
1 + 0.625
0 + 0.750
0 + 0.125
0+0 [0.375] 0+0 [1.125] 0+0 [1.750] 0+0 [2.250]
$200,000+
1 + 0.500
0 + 0.625
0+0 [0.250] 0+0 [1.000] 0+0 [1.625] 0+0 [2.125] 0+0 [2.875]
$200,000+
1 + 0.500
0 + 0.625
0+0
0+0 [0.500] 0+0 [1.250] 0+0 [1.875] 0+0 [2.375]
3.125%
3.250%
3.375%
3.500%
$40,000+
1 + 0.625
1 + 0.250
0 + 0.625
0 + 0.125
15 YEAR
3.250%
3.375%
3.500%
$40,000+
1 + 0.750
1 + 0.125
0 + 0.500
10 YEAR
3.625%
0+0
3.750%
3.875%
4.000%
0+0 [0.500] 0+0 [1.000] 0+0 [1.375]
3.625%
3.750% 3.875%
0+0 [0.375] 0+0 [0.750] 0+0 [1.125]
$70,000+
1 + 0.500
0 + 0.875
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.250] 0+0 [1.625]
$70,000+
1 + 0.375
0 + 1.000
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.000] 0+0 [1.375]
$100,000+
1 + 0.250
0 + 0.625
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.500] 0+0 [1.875]
$100,000+
1 + 0.125
0 + 0.750
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.250] 0+0 [1.625]
$150,000+
1 + 0.125
0 + 0.500
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.625] 0+0 [2.000]
$150,000+
0 + 1.000
0 + 0.625
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.375] 0+0 [1.750]
$200,000+
0 + 1.000
0 + 0.375
0+0 [0.250] 0+0 [0.750] 0+0 [1.250] 0+0 [1.750] 0+0 [2.125]
$200,000+
0 + 0.875
0 + 0.500
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.500] 0+0 [1.875]
LTV %
FICO
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
0.000
-0.250
-0.250
-0.500
-0.250
-0.250
-0.250
-0.750
720 - 739
0.000
-0.250
-0.500
-0.750
-0.500
-0.500
-0.500
-1.000
700 - 719
0.000
-0.500
-1.000
-1.250
-1.000
-1.000
-1.000
-1.500
680 - 699
0.000
-0.500
-1.250
-1.750
-1.500
-1.250
-1.250
-1.500
660 - 679
0.000
-1.000
-2.250
-2.750
-2.750
-2.250
-2.250
-2.250
640 - 659
620 - 639
-0.500
-0.500
-1.250
-1.500
-2.750
-3.000
-3.000
-3.000
-3.250
-3.250
-2.750
-3.250
-2.750
-3.250
-2.750
-3.500

FICO RANGE
LTV %
MAX CLTV %
< 720
720
75
80
-0.375
-0.375
65
> 80 - 95
-0.875
> 65 - 75
> 80 - 95
> 75 - 90
LTV%
FICO
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
740
-0.375
-0.625
-0.625
-0.875
-1.000
-0.625
720 - 739
-0.375
-1.000
-1.000
-1.125
-1.125
-0.875
700 - 719
-0.375
-1.000
-1.000
-1.125
> 76 - 90
-1.375
-1.125
680 - 699
-0.375
-1.125
-1.125
-1.750
> 75 - 95
> 90 - 95
-1.375
-1.125
660 - 679
-0.625
-1.125
-1.125
-1.875
95
> 95 - 97
-1.875
-1.875
640 - 659
-0.625
-1.625
-1.625
-2.625
FIXED RATE
30/20 YR FIXED
RATE
4.125%
4.250%
4.375%
4.500%
4.625%
60-DAY
1 + 1.125
1 + 0.625
1 + 0.125
0 + 0.625
0 + 0.125
15 YR FIXED
RATE
3.875%
4.000%
4.125%
4.250%
4.375%
60-DAY
1 + 0.625
1 + 0.250
0 + 0.875
0 + 0.500
0 + 0.125
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
- 0.500
0.000
640 - 679
680 - 719
720
3.625%
$40,000+
1 + 0.750
1 + 0.250
3.750%
0 + 0.125
+ 0.250
620 - 639
- 1.500
30 YEAR
3.500%
VA FICO
15 YEAR
3.875%
4.000%
4.125% 4.250%
0+0 [0.375] 0+0 [1.000] 0+0 [1.375] 0+0 [1.625]
3.000%
3.125%
3.250%
$40,000+
1 + 0.625
1 + 0.375
0 + 0.375
0+0 [0.125] 0+0 [0.500] 0+0 [0.875] 0+0 [1.125]
3.375%
3.500%
3.625%
3.750%
0 + 0.125
0+0 [0.375] 0+0 [0.750] 0+0 [1.125] 0+0 [1.375]
$70,000+
1 + 0.500
0 + 1.000
0+0 [0.125] 0+0 [0.625] 0+0 [1.250] 0+0 [1.625] 0+0 [1.875]
$70,000+
1 + 0.375
1 + 0.125
$100,000+
1 + 0.250
0 + 0.750
0+0 [0.375] 0+0 [0.875] 0+0 [1.500] 0+0 [1.875] 0+0 [2.125]
$100,000+
1 + 0.125
0 + 0.875
0+0 [0.125] 0+0 [0.625] 0+0 [1.000] 0+0 [1.375] 0+0 [1.625]
$150,000+
1 + 0.125
0 + 0.625
0+0 [0.500] 0+0 [1.000] 0+0 [1.625] 0+0 [2.000] 0+0 [2.250]
$150,000+
0 + 1.000
0 + 0.750
0+0 [0.250] 0+0 [0.750] 0+0 [1.125] 0+0 [1.500] 0+0 [1.750]
$200,000+
0 + 1.000
0 + 0.500
0+0 [0.625] 0+0 [1.125] 0+0 [1.750] 0+0 [2.125] 0+0 [2.375]
$200,000+
0 + 0.875
0 + 0.625
0+0 [0.375] 0+0 [0.875] 0+0 [1.250] 0+0 [1.625] 0+0 [1.875]
3.625%
3.750%
3.875%
4.000%
$40,000+
1 + 1.125
1 + 0.375
0 + 0.750
0 + 0.125
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
3.875%
4.000%
4.125%
20 YEAR
4.250%
4.375%
4.500% 4.625%
$40,000+
1 + 1.250
1 + 0.500
0 + 0.500
0+0 [0.250] 0+0 [0.750] 0+0 [1.375] 0+0 [2.125]
4.125%
4.250%
4.375%
0+0 [0.750] 0+0 [1.375] 0+0 [1.875]
$70,000+
1 + 1.000
1 + 0.250
0 + 0.250
0+0 [0.500] 0+0 [1.000] 0+0 [1.625] 0+0 [2.375]
$70,000+
1 + 0.875
1 + 0.125
0 + 0.500
0+0 [0.125] 0+0 [1.000] 0+0 [1.625] 0+0 [2.125]
$100,000+
1 + 0.750
0 + 1.000
0+0
0+0 [0.750] 0+0 [1.250] 0+0 [1.875] 0+0 [2.625]
$100,000+
1 + 0.625
0 + 0.875
0 + 0.250
0+0 [0.375] 0+0 [1.250] 0+0 [1.875] 0+0 [2.375]
$150,000+
1 + 0.625
0 + 0.875
0+0 [0.125] 0+0 [0.875] 0+0 [1.375] 0+0 [2.000] 0+0 [2.750]
$150,000+
1 + 0.500
0 + 0.750
0 + 0.125
0+0 [0.500] 0+0 [1.375] 0+0 [2.000] 0+0 [2.500]
$200,000+
1 + 0.500
0 + 0.750
0+0 [0.250] 0+0 [1.000] 0+0 [1.500] 0+0 [2.125] 0+0 [2.875]
$200,000+
1 + 0.375
0 + 0.625
0+0
0+0 [0.625] 0+0 [1.500] 0+0 [2.125] 0+0 [2.625]
3.125%
3.250%
3.375%
3.500%
$40,000+
1 + 0.625
1 + 0.250
0 + 0.750
0 + 0.250
0+0 [0.250] 0+0 [0.625] 0+0 [1.000]
0+0
0+0 [0.500] 0+0 [0.875] 0+0 [1.250]
15 YEAR
3.250%
3.375%
3.500%
$40,000+
1 + 1.000
1 + 0.250
0 + 0.625
10 YEAR
3.625%
0 + 0.125
3.750%
3.875%
4.000%
0+0 [0.375] 0+0 [0.750] 0+0 [1.250]
3.625%
3.750% 3.875%
$70,000+
1 + 0.750
0 + 1.000
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.000] 0+0 [1.500]
$70,000+
1 + 0.375
0 + 1.000
0 + 0.500
$100,000+
1 + 0.500
0 + 0.750
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.250] 0+0 [1.750]
$100,000+
1 + 0.125
0 + 0.750
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.125] 0+0 [1.500]
$150,000+
1 + 0.375
0 + 0.625
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.375] 0+0 [1.875]
$150,000+
0 + 1.000
0 + 0.625
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.250] 0+0 [1.625]
$200,000+
1 + 0.250
0 + 0.500
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.500] 0+0 [2.000]
$200,000+
0 + 0.875
0 + 0.500
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.375] 0+0 [1.750]
LTV %
FICO
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
0.000
-0.250
-0.250
-0.500
-0.250
-0.250
-0.250
-0.750
720 - 739
0.000
-0.250
-0.500
-0.750
-0.500
-0.500
-0.500
-1.000
700 - 719
0.000
-0.500
-1.000
-1.250
-1.000
-1.000
-1.000
-1.500
680 - 699
0.000
-0.500
-1.250
-1.750
-1.500
-1.250
-1.250
-1.500
660 - 679
0.000
-1.000
-2.250
-2.750
-2.750
-2.250
-2.250
-2.250
640 - 659
620 - 639
-0.500
-0.500
-1.250
-1.500
-2.750
-3.000
-3.000
-3.000
-3.250
-3.250
-2.750
-3.250
-2.750
-3.250
-2.750
-3.500

FICO RANGE
LTV %
MAX CLTV %
< 720
720
75
80
-0.375
-0.375
65
> 80 - 95
-0.875
> 65 - 75
> 80 - 95
> 75 - 90
LTV%
FICO
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
740
-0.375
-0.625
-0.625
-0.875
-1.000
-0.625
720 - 739
-0.375
-1.000
-1.000
-1.125
-1.125
-0.875
700 - 719
-0.375
-1.000
-1.000
-1.125
> 76 - 90
-1.375
-1.125
680 - 699
-0.375
-1.125
-1.125
-1.750
> 75 - 95
> 90 - 95
-1.375
-1.125
660 - 679
-0.625
-1.125
-1.125
-1.875
95
> 95 - 97
-1.875
-1.875
640 - 659
-0.625
-1.625
-1.625
-2.625
FIXED RATE
30/20 YR FIXED
RATE
4.125%
4.250%
4.375%
4.500%
4.625%
60-DAY
1 + 1.000
1 + 0.500
0 + 1.000
0 + 0.500
0+0
15 YR FIXED
RATE
3.750%
3.875%
4.000%
4.125%
4.250%
60-DAY
1 + 0.750
1 + 0.375
0 + 1.000
0 + 0.625
0 + 0.250
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
- 0.500
0.000
640 - 679
680 - 719
720
3.625%
$40,000+
1 + 0.625
1 + 0.125
3.750%
0+0
+ 0.250
620 - 639
- 1.500
30 YEAR
3.500%
VA FICO
15 YEAR
3.875%
4.000%
4.125% 4.250%
0+0 [0.625] 0+0 [1.125] 0+0 [1.500] 0+0 [1.750]
3.000%
3.125%
3.250%
$40,000+
1 + 0.625
1 + 0.250
0 + 0.375
0+0 [0.125] 0+0 [0.500] 0+0 [0.875] 0+0 [1.125]
3.375%
3.500%
3.625%
3.750%
0 + 0.125
0+0 [0.375] 0+0 [0.750] 0+0 [1.125] 0+0 [1.375]
$70,000+
1 + 0.375
0 + 0.875
0+0 [0.250] 0+0 [0.875] 0+0 [1.375] 0+0 [1.750] 0+0 [2.000]
$70,000+
1 + 0.375
0 + 1.000
$100,000+
1 + 0.125
0 + 0.625
0+0 [0.500] 0+0 [1.125] 0+0 [1.625] 0+0 [2.000] 0+0 [2.250]
$100,000+
1 + 0.125
0 + 0.750
0+0 [0.125] 0+0 [0.625] 0+0 [1.000] 0+0 [1.375] 0+0 [1.625]
$150,000+
0 + 1.000
0 + 0.500
0+0 [0.625] 0+0 [1.250] 0+0 [1.750] 0+0 [2.125] 0+0 [2.375]
$150,000+
0 + 1.000
0 + 0.625
0+0 [0.250] 0+0 [0.750] 0+0 [1.125] 0+0 [1.500] 0+0 [1.750]
$200,000+
0 + 0.875
0 + 0.375
0+0 [0.750] 0+0 [1.375] 0+0 [1.875] 0+0 [2.250] 0+0 [2.500]
$200,000+
0 + 0.875
0 + 0.500
0+0 [0.375] 0+0 [0.875] 0+0 [1.250] 0+0 [1.625] 0+0 [1.875]
3.625%
3.750%
3.875%
$40,000+
1 + 0.875
1 + 0.125
0 + 0.500
0+0 [0.125] 0+0 [0.875] 0+0 [1.500] 0+0 [2.000]
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
3.875%
4.000%
$40,000+
1 + 1.125
1 + 0.250
4.125%
20 YEAR
4.250%
4.375%
4.500% 4.625%
0 + 0.375
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [2.125]
0 + 0.125
0+0 [0.625] 0+0 [1.125] 0+0 [1.625] 0+0 [2.375]
4.000%
4.125%
4.250%
4.375%
$70,000+
1 + 0.875
0 + 1.000
$70,000+
1 + 0.625
0 + 0.875
0 + 0.250
0+0 [0.375] 0+0 [1.125] 0+0 [1.750] 0+0 [2.250]
$100,000+
1 + 0.625
0 + 0.750
0+0 [0.125] 0+0 [0.875] 0+0 [1.375] 0+0 [1.875] 0+0 [2.625]
$100,000+
1 + 0.375
0 + 0.625
0+0
0+0 [0.625] 0+0 [1.375] 0+0 [2.000] 0+0 [2.500]
$150,000+
1 + 0.500
0 + 0.625
0+0 [0.250] 0+0 [1.000] 0+0 [1.500] 0+0 [2.000] 0+0 [2.750]
$150,000+
1 + 0.250
0 + 0.500
0+0 [0.125] 0+0 [0.750] 0+0 [1.500] 0+0 [2.125] 0+0 [2.625]
$200,000+
1 + 0.375
0 + 0.500
0+0 [0.375] 0+0 [1.125] 0+0 [1.625] 0+0 [2.125] 0+0 [2.875]
$200,000+
1 + 0.125
0 + 0.375
0+0 [0.250] 0+0 [0.875] 0+0 [1.625] 0+0 [2.250] 0+0 [2.750]
3.000%
3.125%
3.250%
3.375%
3.500%
3.625% 3.750%
$40,000+
1 + 1.000
1 + 0.500
1 + 0.125
0 + 0.625
0 + 0.125
0+0 [0.375] 0+0 [0.750]
15 YEAR
3.250%
3.375%
3.500%
$40,000+
1 + 0.875
1 + 0.250
0 + 0.625
10 YEAR
3.625%
0 + 0.125
3.750%
3.875%
4.000%
0+0 [0.375] 0+0 [0.875] 0+0 [1.250]
$70,000+
1 + 0.625
0 + 1.000
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.500]
$70,000+
1 + 0.750
1 + 0.250
0 + 0.875
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.000]
$100,000+
1 + 0.375
0 + 0.750
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [1.750]
$100,000+
1 + 0.500
0 + 1.000
0 + 0.625
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.250]
$150,000+
1 + 0.250
0 + 0.625
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.500] 0+0 [1.875]
$150,000+
1 + 0.375
0 + 0.875
0 + 0.500
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.375]
$200,000+
1 + 0.125
0 + 0.500
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.625] 0+0 [2.000]
$200,000+
1 + 0.250
0 + 0.750
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.500]
LTV %
FICO
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
0.000
-0.250
-0.250
-0.500
-0.250
-0.250
-0.250
-0.750
720 - 739
0.000
-0.250
-0.500
-0.750
-0.500
-0.500
-0.500
-1.000
700 - 719
0.000
-0.500
-1.000
-1.250
-1.000
-1.000
-1.000
-1.500
680 - 699
0.000
-0.500
-1.250
-1.750
-1.500
-1.250
-1.250
-1.500
660 - 679
0.000
-1.000
-2.250
-2.750
-2.750
-2.250
-2.250
-2.250
640 - 659
620 - 639
-0.500
-0.500
-1.250
-1.500
-2.750
-3.000
-3.000
-3.000
-3.250
-3.250
-2.750
-3.250
-2.750
-3.250
-2.750
-3.500

FICO RANGE
LTV %
MAX CLTV %
< 720
720
75
80
-0.375
-0.375
65
> 80 - 95
-0.875
> 65 - 75
> 80 - 95
> 75 - 90
LTV%
FICO
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
740
-0.375
-0.625
-0.625
-0.875
-1.000
-0.625
720 - 739
-0.375
-1.000
-1.000
-1.125
-1.125
-0.875
700 - 719
-0.375
-1.000
-1.000
-1.125
> 76 - 90
-1.375
-1.125
680 - 699
-0.375
-1.125
-1.125
-1.750
> 75 - 95
> 90 - 95
-1.375
-1.125
660 - 679
-0.625
-1.125
-1.125
-1.875
95
> 95 - 97
-1.875
-1.875
640 - 659
-0.625
-1.625
-1.625
-2.625
FIXED RATE
30/20 YR FIXED
RATE
4.000%
4.125%
4.250%
4.375%
4.500%
60-DAY
1 + 1.375
1 + 0.875
1 + 0.375
0 + 0.875
0 + 0.375
15 YR FIXED
RATE
3.750%
3.875%
4.000%
4.125%
4.250%
60-DAY
1 + 0.750
1 + 0.375
0 + 1.000
0 + 0.625
0 + 0.250
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
- 0.500
0.000
640 - 679
680 - 719
720
3.500%
3.625%
$40,000+
1 + 1.125
1 + 0.500
0 + 1.000
+ 0.250
620 - 639
- 1.500
30 YEAR
3.375%
VA FICO
15 YEAR
3.750%
0+0
3.875%
4.000% 4.125%
0+0 [0.625] 0+0 [1.125] 0+0 [1.500]
3.000%
3.125%
3.250%
$40,000+
1 + 0.625
1 + 0.250
0 + 0.250
0+0 [0.125] 0+0 [0.500] 0+0 [0.875] 0+0 [1.125]
3.375%
3.500%
3.625%
3.750%
0+0
0+0 [0.375] 0+0 [0.750] 0+0 [1.125] 0+0 [1.375]
$70,000+
1 + 0.875
1 + 0.250
0 + 0.750
0+0 [0.250] 0+0 [0.875] 0+0 [1.375] 0+0 [1.750]
$70,000+
1 + 0.375
0 + 1.000
$100,000+
1 + 0.625
0 + 1.000
0 + 0.500
0+0 [0.500] 0+0 [1.125] 0+0 [1.625] 0+0 [2.000]
$100,000+
1 + 0.125
0 + 0.750
0+0 [0.250] 0+0 [0.625] 0+0 [1.000] 0+0 [1.375] 0+0 [1.625]
$150,000+
1 + 0.500
0 + 0.875
0 + 0.375
0+0 [0.625] 0+0 [1.250] 0+0 [1.750] 0+0 [2.125]
$150,000+
0 + 1.000
0 + 0.625
0+0 [0.375] 0+0 [0.750] 0+0 [1.125] 0+0 [1.500] 0+0 [1.750]
$200,000+
1 + 0.375
0 + 0.750
0 + 0.250
0+0 [0.750] 0+0 [1.375] 0+0 [1.875] 0+0 [2.250]
$200,000+
0 + 0.875
0 + 0.500
0+0 [0.500] 0+0 [0.875] 0+0 [1.250] 0+0 [1.625] 0+0 [1.875]
3.625%
3.750%
3.875%
$40,000+
1 + 0.750
0 + 1.000
0 + 0.375
0+0 [0.125] 0+0 [0.875] 0+0 [1.500] 0+0 [2.000]
0 + 0.125
0+0 [0.375] 0+0 [1.125] 0+0 [1.750] 0+0 [2.250]
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
3.875%
4.000%
$40,000+
1 + 1.000
1 + 0.250
4.125%
20 YEAR
4.250%
4.375%
4.500% 4.625%
0 + 0.375
0+0 [0.375] 0+0 [0.875] 0+0 [1.500] 0+0 [2.125]
0 + 0.125
0+0 [0.625] 0+0 [1.125] 0+0 [1.750] 0+0 [2.375]
4.000%
4.125%
4.250%
4.375%
$70,000+
1 + 0.750
0 + 1.000
$70,000+
1 + 0.500
0 + 0.750
$100,000+
1 + 0.500
0 + 0.750
0+0 [0.125] 0+0 [0.875] 0+0 [1.375] 0+0 [2.000] 0+0 [2.625]
$100,000+
1 + 0.250
0 + 0.500
0+0 [0.125] 0+0 [0.625] 0+0 [1.375] 0+0 [2.000] 0+0 [2.500]
$150,000+
1 + 0.375
0 + 0.625
0+0 [0.250] 0+0 [1.000] 0+0 [1.500] 0+0 [2.125] 0+0 [2.750]
$150,000+
1 + 0.125
0 + 0.375
0+0 [0.250] 0+0 [0.750] 0+0 [1.500] 0+0 [2.125] 0+0 [2.625]
$200,000+
1 + 0.250
0 + 0.500
0+0 [0.375] 0+0 [1.125] 0+0 [1.625] 0+0 [2.250] 0+0 [2.875]
$200,000+
0 + 1.000
0 + 0.250
0+0 [0.375] 0+0 [0.875] 0+0 [1.625] 0+0 [2.250] 0+0 [2.750]
3.000%
3.125%
3.250%
3.375%
3.500%
3.625% 3.750%
$40,000+
1 + 0.875
1 + 0.375
0 + 1.000
0 + 0.625
0 + 0.125
0+0 [0.375] 0+0 [0.750]
15 YEAR
3.250%
3.375%
3.500%
$40,000+
1 + 0.875
1 + 0.250
0 + 0.625
10 YEAR
3.625%
0+0
3.750%
3.875%
4.000%
0+0 [0.375] 0+0 [0.875] 0+0 [1.250]
$70,000+
1 + 0.625
0 + 1.000
0 + 0.375
0+0 [0.250] 0+0 [0.625] 0+0 [1.125] 0+0 [1.500]
$70,000+
1 + 0.625
1 + 0.125
0 + 0.750
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.000]
$100,000+
1 + 0.375
0 + 0.750
0 + 0.125
0+0 [0.500] 0+0 [0.875] 0+0 [1.375] 0+0 [1.750]
$100,000+
1 + 0.375
0 + 0.875
0 + 0.500
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.250]
$150,000+
1 + 0.250
0 + 0.625
0+0
0+0 [0.625] 0+0 [1.000] 0+0 [1.500] 0+0 [1.875]
$150,000+
1 + 0.250
0 + 0.750
0 + 0.375
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.375]
$200,000+
1 + 0.125
0 + 0.500
0+0 [0.125] 0+0 [0.750] 0+0 [1.125] 0+0 [1.625] 0+0 [2.000]
$200,000+
1 + 0.125
0 + 0.625
0 + 0.250
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.500]
LTV %
FICO
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
0.000
-0.250
-0.250
-0.500
-0.250
-0.250
-0.250
-0.750
720 - 739
0.000
-0.250
-0.500
-0.750
-0.500
-0.500
-0.500
-1.000
700 - 719
0.000
-0.500
-1.000
-1.250
-1.000
-1.000
-1.000
-1.500
680 - 699
0.000
-0.500
-1.250
-1.750
-1.500
-1.250
-1.250
-1.500
660 - 679
0.000
-1.000
-2.250
-2.750
-2.750
-2.250
-2.250
-2.250
640 - 659
620 - 639
-0.500
-0.500
-1.250
-1.500
-2.750
-3.000
-3.000
-3.000
-3.250
-3.250
-2.750
-3.250
-2.750
-3.250
-2.750
-3.500

FICO RANGE
LTV %
MAX CLTV %
< 720
720
75
80
-0.375
-0.375
65
> 80 - 95
-0.875
> 65 - 75
> 80 - 95
> 75 - 90
LTV%
FICO
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
740
-0.375
-0.625
-0.625
-0.875
-1.000
-0.625
720 - 739
-0.375
-1.000
-1.000
-1.125
-1.125
-0.875
700 - 719
-0.375
-1.000
-1.000
-1.125
> 76 - 90
-1.375
-1.125
680 - 699
-0.375
-1.125
-1.125
-1.750
> 75 - 95
> 90 - 95
-1.375
-1.125
660 - 679
-0.625
-1.125
-1.125
-1.875
95
> 95 - 97
-1.875
-1.875
640 - 659
-0.625
-1.625
-1.625
-2.625
FIXED RATE
30/20 YR FIXED
RATE
4.000%
4.125%
4.250%
4.375%
4.500%
60-DAY
1 + 1.250
1 + 0.750
1 + 0.250
0 + 0.750
0 + 0.250
15 YR FIXED
RATE
3.750%
3.875%
4.000%
4.125%
4.250%
60-DAY
1 + 0.750
1 + 0.375
0 + 1.000
0 + 0.625
0 + 0.250
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
- 0.500
0.000
640 - 679
680 - 719
720
3.625%
$40,000+
1 + 0.625
1 + 0.125
3.750%
0+0
+ 0.250
620 - 639
- 1.500
30 YEAR
3.500%
VA FICO
15 YEAR
3.875%
4.000%
4.125% 4.250%
0+0 [0.500] 0+0 [1.000] 0+0 [1.375] 0+0 [1.625]
3.000%
3.125%
3.250%
$40,000+
1 + 0.625
1 + 0.250
0 + 0.375
0+0 [0.125] 0+0 [0.500] 0+0 [0.875] 0+0 [1.125]
3.375%
3.500%
3.625%
3.750%
0 + 0.125
0+0 [0.375] 0+0 [0.750] 0+0 [1.125] 0+0 [1.375]
$70,000+
1 + 0.375
0 + 0.875
0+0 [0.250] 0+0 [0.750] 0+0 [1.250] 0+0 [1.625] 0+0 [1.875]
$70,000+
1 + 0.375
0 + 1.000
$100,000+
1 + 0.125
0 + 0.625
0+0 [0.500] 0+0 [1.000] 0+0 [1.500] 0+0 [1.875] 0+0 [2.125]
$100,000+
1 + 0.125
0 + 0.750
0+0 [0.125] 0+0 [0.625] 0+0 [1.000] 0+0 [1.375] 0+0 [1.625]
$150,000+
0 + 1.000
0 + 0.500
0+0 [0.625] 0+0 [1.125] 0+0 [1.625] 0+0 [2.000] 0+0 [2.250]
$150,000+
0 + 1.000
0 + 0.625
0+0 [0.250] 0+0 [0.750] 0+0 [1.125] 0+0 [1.500] 0+0 [1.750]
$200,000+
0 + 0.875
0 + 0.375
0+0 [0.750] 0+0 [1.250] 0+0 [1.750] 0+0 [2.125] 0+0 [2.375]
$200,000+
0 + 0.875
0 + 0.500
0+0 [0.375] 0+0 [0.875] 0+0 [1.250] 0+0 [1.625] 0+0 [1.875]
3.625%
3.750%
3.875%
4.000%
$40,000+
1 + 1.000
1 + 0.125
0 + 0.500
0+0
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
3.875%
4.000%
$40,000+
1 + 1.125
1 + 0.250
4.125%
20 YEAR
4.250%
4.375%
4.500% 4.625%
0 + 0.375
0+0 [0.250] 0+0 [0.875] 0+0 [1.375] 0+0 [2.000]
0 + 0.125
0+0 [0.500] 0+0 [1.125] 0+0 [1.625] 0+0 [2.250]
4.125%
4.250%
4.375%
0+0 [0.875] 0+0 [1.500] 0+0 [1.875]
$70,000+
1 + 0.875
0 + 1.000
$70,000+
1 + 0.750
0 + 0.875
0 + 0.250
0+0 [0.250] 0+0 [1.125] 0+0 [1.750] 0+0 [2.125]
$100,000+
1 + 0.625
0 + 0.750
0+0 [0.125] 0+0 [0.750] 0+0 [1.375] 0+0 [1.875] 0+0 [2.500]
$100,000+
1 + 0.500
0 + 0.625
0+0
0+0 [0.500] 0+0 [1.375] 0+0 [2.000] 0+0 [2.375]
$150,000+
1 + 0.500
0 + 0.625
0+0 [0.250] 0+0 [0.875] 0+0 [1.500] 0+0 [2.000] 0+0 [2.625]
$150,000+
1 + 0.375
0 + 0.500
0+0 [0.125] 0+0 [0.625] 0+0 [1.500] 0+0 [2.125] 0+0 [2.500]
$200,000+
1 + 0.375
0 + 0.500
0+0 [0.375] 0+0 [1.000] 0+0 [1.625] 0+0 [2.125] 0+0 [2.750]
$200,000+
1 + 0.250
0 + 0.375
0+0 [0.250] 0+0 [0.750] 0+0 [1.625] 0+0 [2.250] 0+0 [2.625]
3.000%
3.125%
3.250%
3.375%
3.500%
3.625% 3.750%
$40,000+
1 + 0.875
1 + 0.375
0 + 1.000
0 + 0.625
0 + 0.125
0+0 [0.375] 0+0 [0.750]
15 YEAR
3.250%
3.375%
3.500%
$40,000+
1 + 0.875
1 + 0.250
0 + 0.625
10 YEAR
3.625%
0 + 0.125
3.750%
3.875%
4.000%
0+0 [0.375] 0+0 [0.875] 0+0 [1.250]
$70,000+
1 + 0.625
0 + 1.000
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.500]
$70,000+
1 + 0.625
1 + 0.125
0 + 0.750
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.000]
$100,000+
1 + 0.375
0 + 0.750
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [1.750]
$100,000+
1 + 0.375
0 + 0.875
0 + 0.500
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.250]
$150,000+
1 + 0.250
0 + 0.625
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.500] 0+0 [1.875]
$150,000+
1 + 0.250
0 + 0.750
0 + 0.375
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.375]
$200,000+
1 + 0.125
0 + 0.500
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.625] 0+0 [2.000]
$200,000+
1 + 0.125
0 + 0.625
0 + 0.250
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.500]
LTV %
FICO
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
0.000
-0.250
-0.250
-0.500
-0.250
-0.250
-0.250
-0.750
720 - 739
0.000
-0.250
-0.500
-0.750
-0.500
-0.500
-0.500
-1.000
700 - 719
0.000
-0.500
-1.000
-1.250
-1.000
-1.000
-1.000
-1.500
680 - 699
0.000
-0.500
-1.250
-1.750
-1.500
-1.250
-1.250
-1.500
660 - 679
0.000
-1.000
-2.250
-2.750
-2.750
-2.250
-2.250
-2.250
640 - 659
620 - 639
-0.500
-0.500
-1.250
-1.500
-2.750
-3.000
-3.000
-3.000
-3.250
-3.250
-2.750
-3.250
-2.750
-3.250
-2.750
-3.500

FICO RANGE
LTV %
MAX CLTV %
< 720
720
75
80
-0.375
-0.375
65
> 80 - 95
-0.875
> 65 - 75
> 80 - 95
> 75 - 90
LTV%
FICO
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
740
-0.375
-0.625
-0.625
-0.875
-1.000
-0.625
720 - 739
-0.375
-1.000
-1.000
-1.125
-1.125
-0.875
700 - 719
-0.375
-1.000
-1.000
-1.125
> 76 - 90
-1.375
-1.125
680 - 699
-0.375
-1.125
-1.125
-1.750
> 75 - 95
> 90 - 95
-1.375
-1.125
660 - 679
-0.625
-1.125
-1.125
-1.875
95
> 95 - 97
-1.875
-1.875
640 - 659
-0.625
-1.625
-1.625
-2.625
FIXED RATE
30/20 YR FIXED
RATE
4.000%
4.125%
4.250%
4.375%
4.500%
60-DAY
1 + 1.250
1 + 0.750
1 + 0.250
0 + 0.750
0 + 0.250
15 YR FIXED
RATE
3.750%
3.875%
4.000%
4.125%
4.250%
60-DAY
1 + 0.625
1 + 0.250
0 + 0.875
0 + 0.500
0 + 0.125
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
- 0.500
0.000
640 - 679
680 - 719
720
3.625%
$40,000+
1 + 0.625
1 + 0.250
3.750%
0 + 0.125
+ 0.250
620 - 639
- 1.500
30 YEAR
3.500%
VA FICO
15 YEAR
3.875%
4.000%
4.125% 4.250%
0+0 [0.500] 0+0 [1.000] 0+0 [1.375] 0+0 [1.625]
3.000%
3.125%
3.250%
$40,000+
1 + 0.625
1 + 0.250
0 + 0.375
0+0 [0.125] 0+0 [0.500] 0+0 [0.875] 0+0 [1.000]
3.375%
3.500%
3.625%
3.750%
0 + 0.125
0+0 [0.375] 0+0 [0.750] 0+0 [1.125] 0+0 [1.250]
$70,000+
1 + 0.375
0 + 1.000
0+0 [0.125] 0+0 [0.750] 0+0 [1.250] 0+0 [1.625] 0+0 [1.875]
$70,000+
1 + 0.375
0 + 1.000
$100,000+
1 + 0.125
0 + 0.750
0+0 [0.375] 0+0 [1.000] 0+0 [1.500] 0+0 [1.875] 0+0 [2.125]
$100,000+
1 + 0.125
0 + 0.750
0+0 [0.125] 0+0 [0.625] 0+0 [1.000] 0+0 [1.375] 0+0 [1.500]
$150,000+
0 + 1.000
0 + 0.625
0+0 [0.500] 0+0 [1.125] 0+0 [1.625] 0+0 [2.000] 0+0 [2.250]
$150,000+
0 + 1.000
0 + 0.625
0+0 [0.250] 0+0 [0.750] 0+0 [1.125] 0+0 [1.500] 0+0 [1.625]
$200,000+
0 + 0.875
0 + 0.500
0+0 [0.625] 0+0 [1.250] 0+0 [1.750] 0+0 [2.125] 0+0 [2.375]
$200,000+
0 + 0.875
0 + 0.500
0+0 [0.375] 0+0 [0.875] 0+0 [1.250] 0+0 [1.625] 0+0 [1.750]
3.625%
3.750%
3.875%
4.000%
$40,000+
1 + 1.000
1 + 0.125
0 + 0.500
0+0
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
3.875%
4.000%
$40,000+
1 + 1.125
1 + 0.375
4.125%
20 YEAR
4.250%
4.375%
4.500% 4.625%
0 + 0.375
0+0 [0.250] 0+0 [0.750] 0+0 [1.375] 0+0 [2.000]
0 + 0.125
0+0 [0.500] 0+0 [1.000] 0+0 [1.625] 0+0 [2.250]
4.125%
4.250%
4.375%
0+0 [0.750] 0+0 [1.375] 0+0 [1.875]
$70,000+
1 + 0.875
1 + 0.125
$70,000+
1 + 0.750
0 + 0.875
0 + 0.250
0+0 [0.250] 0+0 [1.000] 0+0 [1.625] 0+0 [2.125]
$100,000+
1 + 0.625
0 + 0.875
0+0 [0.125] 0+0 [0.750] 0+0 [1.250] 0+0 [1.875] 0+0 [2.500]
$100,000+
1 + 0.500
0 + 0.625
0+0
0+0 [0.500] 0+0 [1.250] 0+0 [1.875] 0+0 [2.375]
$150,000+
1 + 0.500
0 + 0.750
0+0 [0.250] 0+0 [0.875] 0+0 [1.375] 0+0 [2.000] 0+0 [2.625]
$150,000+
1 + 0.375
0 + 0.500
0+0 [0.125] 0+0 [0.625] 0+0 [1.375] 0+0 [2.000] 0+0 [2.500]
$200,000+
1 + 0.375
0 + 0.625
0+0 [0.375] 0+0 [1.000] 0+0 [1.500] 0+0 [2.125] 0+0 [2.750]
$200,000+
1 + 0.250
0 + 0.375
0+0 [0.250] 0+0 [0.750] 0+0 [1.500] 0+0 [2.125] 0+0 [2.625]
3.000%
3.125%
3.250%
3.375%
3.500%
3.625% 3.750%
$40,000+
1 + 1.000
1 + 0.500
0 + 1.000
0 + 0.625
0 + 0.125
0+0 [0.375] 0+0 [0.750]
15 YEAR
3.250%
3.375%
3.500%
$40,000+
1 + 0.875
1 + 0.250
0 + 0.625
10 YEAR
3.625%
0 + 0.125
3.750%
3.875%
4.000%
0+0 [0.375] 0+0 [0.875] 0+0 [1.250]
$70,000+
1 + 0.625
0 + 1.000
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.500]
$70,000+
1 + 0.750
1 + 0.250
0 + 0.750
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.000]
$100,000+
1 + 0.375
0 + 0.750
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [1.750]
$100,000+
1 + 0.500
0 + 1.000
0 + 0.500
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.250]
$150,000+
1 + 0.250
0 + 0.625
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.500] 0+0 [1.875]
$150,000+
1 + 0.375
0 + 0.875
0 + 0.375
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.375]
$200,000+
1 + 0.125
0 + 0.500
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.625] 0+0 [2.000]
$200,000+
1 + 0.250
0 + 0.750
0 + 0.250
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.500]
LTV %
FICO
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
0.000
-0.250
-0.250
-0.500
-0.250
-0.250
-0.250
-0.750
720 - 739
0.000
-0.250
-0.500
-0.750
-0.500
-0.500
-0.500
-1.000
700 - 719
0.000
-0.500
-1.000
-1.250
-1.000
-1.000
-1.000
-1.500
680 - 699
0.000
-0.500
-1.250
-1.750
-1.500
-1.250
-1.250
-1.500
660 - 679
0.000
-1.000
-2.250
-2.750
-2.750
-2.250
-2.250
-2.250
640 - 659
620 - 639
-0.500
-0.500
-1.250
-1.500
-2.750
-3.000
-3.000
-3.000
-3.250
-3.250
-2.750
-3.250
-2.750
-3.250
-2.750
-3.500

FICO RANGE
LTV %
MAX CLTV %
< 720
720
75
80
-0.375
-0.375
65
> 80 - 95
-0.875
> 65 - 75
> 80 - 95
> 75 - 90
LTV%
FICO
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
740
-0.375
-0.625
-0.625
-0.875
-1.000
-0.625
720 - 739
-0.375
-1.000
-1.000
-1.125
-1.125
-0.875
700 - 719
-0.375
-1.000
-1.000
-1.125
> 76 - 90
-1.375
-1.125
680 - 699
-0.375
-1.125
-1.125
-1.750
> 75 - 95
> 90 - 95
-1.375
-1.125
660 - 679
-0.625
-1.125
-1.125
-1.875
95
> 95 - 97
-1.875
-1.875
640 - 659
-0.625
-1.625
-1.625
-2.625
FIXED RATE
30/20 YR FIXED
RATE
4.000%
4.125%
4.250%
4.375%
4.500%
60-DAY
1 + 1.125
1 + 0.625
1 + 0.125
0 + 0.625
0 + 0.125
15 YR FIXED
RATE
3.750%
3.875%
4.000%
4.125%
4.250%
60-DAY
1 + 0.625
1 + 0.250
0 + 0.875
0 + 0.500
0 + 0.125
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
- 0.500
0.000
640 - 679
680 - 719
720
3.625%
$40,000+
1 + 0.875
1 + 0.375
3.750%
+ 0.250
620 - 639
- 1.500
30 YEAR
3.500%
VA FICO
15 YEAR
3.875%
4.000%
4.125% 4.250%
0 + 0.250
0+0 [0.375] 0+0 [0.875] 0+0 [1.250] 0+0 [1.500]
0+0
0+0 [0.625] 0+0 [1.125] 0+0 [1.500] 0+0 [1.750]
3.000%
3.125%
3.250%
$40,000+
1 + 0.625
1 + 0.250
0 + 0.375
0+0 [0.125] 0+0 [0.500] 0+0 [0.875] 0+0 [1.000]
3.375%
3.500%
3.625%
3.750%
0 + 0.125
0+0 [0.375] 0+0 [0.750] 0+0 [1.125] 0+0 [1.250]
$70,000+
1 + 0.625
1 + 0.125
$70,000+
1 + 0.375
0 + 1.000
$100,000+
1 + 0.375
0 + 0.875
0+0 [0.250] 0+0 [0.875] 0+0 [1.375] 0+0 [1.750] 0+0 [2.000]
$100,000+
1 + 0.125
0 + 0.750
0+0 [0.125] 0+0 [0.625] 0+0 [1.000] 0+0 [1.375] 0+0 [1.500]
$150,000+
1 + 0.250
0 + 0.750
0+0 [0.375] 0+0 [1.000] 0+0 [1.500] 0+0 [1.875] 0+0 [2.125]
$150,000+
0 + 1.000
0 + 0.625
0+0 [0.250] 0+0 [0.750] 0+0 [1.125] 0+0 [1.500] 0+0 [1.625]
$200,000+
1 + 0.125
0 + 0.625
0+0 [0.500] 0+0 [1.125] 0+0 [1.625] 0+0 [2.000] 0+0 [2.250]
$200,000+
0 + 0.875
0 + 0.500
0+0 [0.375] 0+0 [0.875] 0+0 [1.250] 0+0 [1.625] 0+0 [1.750]
3.625%
3.750%
3.875%
4.000%
$40,000+
1 + 1.000
1 + 0.250
0 + 0.625
0 + 0.125
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
3.875%
4.000%
4.125%
20 YEAR
4.250%
4.375%
4.500% 4.625%
$40,000+
1 + 1.250
1 + 0.500
0 + 0.500
0+0 [0.125] 0+0 [0.750] 0+0 [1.250] 0+0 [2.000]
4.125%
4.250%
4.375%
0+0 [0.750] 0+0 [1.375] 0+0 [1.750]
$70,000+
1 + 1.000
1 + 0.250
0 + 0.250
0+0 [0.375] 0+0 [1.000] 0+0 [1.500] 0+0 [2.250]
$70,000+
1 + 0.750
0 + 1.000
0 + 0.375
0+0 [0.125] 0+0 [1.000] 0+0 [1.625] 0+0 [2.000]
$100,000+
1 + 0.750
0 + 1.000
0+0
0+0 [0.625] 0+0 [1.250] 0+0 [1.750] 0+0 [2.500]
$100,000+
1 + 0.500
0 + 0.750
0 + 0.125
0+0 [0.375] 0+0 [1.250] 0+0 [1.875] 0+0 [2.250]
$150,000+
1 + 0.625
0 + 0.875
0+0 [0.125] 0+0 [0.750] 0+0 [1.375] 0+0 [1.875] 0+0 [2.625]
$150,000+
1 + 0.375
0 + 0.625
0+0
0+0 [0.500] 0+0 [1.375] 0+0 [2.000] 0+0 [2.375]
$200,000+
1 + 0.500
0 + 0.750
0+0 [0.250] 0+0 [0.875] 0+0 [1.500] 0+0 [2.000] 0+0 [2.750]
$200,000+
1 + 0.250
0 + 0.500
3.000%
3.125%
3.250%
3.375%
3.500%
3.625% 3.750%
$40,000+
1 + 1.000
1 + 0.500
1 + 0.125
0 + 0.750
0 + 0.250
0+0 [0.250] 0+0 [0.625]
0+0
0+0 [0.500] 0+0 [0.875]
15 YEAR
3.250%
3.375%
3.500%
$40,000+
1 + 1.000
1 + 0.375
0 + 0.750
0+0 [0.125] 0+0 [0.625] 0+0 [1.500] 0+0 [2.125] 0+0 [2.500]
10 YEAR
3.625%
3.750%
3.875%
4.000%
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.125]
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.375]
$70,000+
1 + 0.750
1 + 0.125
0 + 0.500
$70,000+
1 + 0.750
1 + 0.250
0 + 0.875
0 + 0.500
$100,000+
1 + 0.500
0 + 0.875
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.250] 0+0 [1.625]
$100,000+
1 + 0.500
0 + 1.000
0 + 0.625
0 + 0.250
0+0 [0.250] 0+0 [0.750] 0+0 [1.125]
$150,000+
1 + 0.375
0 + 0.750
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [1.750]
$150,000+
1 + 0.375
0 + 0.875
0 + 0.500
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.250]
$200,000+
1 + 0.250
0 + 0.625
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.500] 0+0 [1.875]
$200,000+
1 + 0.250
0 + 0.750
0 + 0.375
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.375]
LTV %
FICO
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
0.000
-0.250
-0.250
-0.500
-0.250
-0.250
-0.250
-0.750
720 - 739
0.000
-0.250
-0.500
-0.750
-0.500
-0.500
-0.500
-1.000
700 - 719
0.000
-0.500
-1.000
-1.250
-1.000
-1.000
-1.000
-1.500
680 - 699
0.000
-0.500
-1.250
-1.750
-1.500
-1.250
-1.250
-1.500
660 - 679
0.000
-1.000
-2.250
-2.750
-2.750
-2.250
-2.250
-2.250
640 - 659
620 - 639
-0.500
-0.500
-1.250
-1.500
-2.750
-3.000
-3.000
-3.000
-3.250
-3.250
-2.750
-3.250
-2.750
-3.250
-2.750
-3.500

FICO RANGE
LTV %
MAX CLTV %
< 720
720
75
80
-0.375
-0.375
65
> 80 - 95
-0.875
> 65 - 75
> 80 - 95
> 75 - 90
LTV%
FICO
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
740
-0.375
-0.625
-0.625
-0.875
-1.000
-0.625
720 - 739
-0.375
-1.000
-1.000
-1.125
-1.125
-0.875
700 - 719
-0.375
-1.000
-1.000
-1.125
> 76 - 90
-1.375
-1.125
680 - 699
-0.375
-1.125
-1.125
-1.750
> 75 - 95
> 90 - 95
-1.375
-1.125
660 - 679
-0.625
-1.125
-1.125
-1.875
95
> 95 - 97
-1.875
-1.875
640 - 659
-0.625
-1.625
-1.625
-2.625
FIXED RATE
30/20 YR FIXED
RATE
4.000%
4.125%
4.250%
4.375%
4.500%
60-DAY
1 + 1.250
1 + 0.750
1 + 0.250
0 + 0.750
0 + 0.250
15 YR FIXED
RATE
3.875%
4.000%
4.125%
4.250%
4.375%
60-DAY
1 + 0.375
0 + 1.000
0 + 0.625
0 + 0.250
0+0
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
- 0.500
0.000
640 - 679
680 - 719
720
3.500%
3.625%
+ 0.250
620 - 639
- 1.500
30 YEAR
3.375%
VA FICO
15 YEAR
3.750%
3.875%
4.000% 4.125%
$40,000+
1 + 0.875
1 + 0.250
0 + 0.750
0+0 [0.250] 0+0 [0.875] 0+0 [1.375] 0+0 [1.750]
2.875%
3.000%
3.125%
3.250%
$40,000+
1 + 0.750
1 + 0.375
0 + 1.000
0 + 0.125
3.375%
3.500%
3.625%
0+0 [0.250] 0+0 [0.625] 0+0 [1.000]
$70,000+
1 + 0.625
0 + 1.000
0 + 0.500
0+0 [0.500] 0+0 [1.125] 0+0 [1.625] 0+0 [2.000]
$70,000+
1 + 0.500
1 + 0.125
0 + 0.750
0+0 [0.125] 0+0 [0.500] 0+0 [0.875] 0+0 [1.250]
$100,000+
1 + 0.375
0 + 0.750
0 + 0.250
0+0 [0.750] 0+0 [1.375] 0+0 [1.875] 0+0 [2.250]
$100,000+
1 + 0.250
0 + 0.875
0 + 0.500
0+0 [0.375] 0+0 [0.750] 0+0 [1.125] 0+0 [1.500]
$150,000+
1 + 0.250
0 + 0.625
0 + 0.125
0+0 [0.875] 0+0 [1.500] 0+0 [2.000] 0+0 [2.375]
$150,000+
1 + 0.125
0 + 0.750
0 + 0.375
0+0 [0.500] 0+0 [0.875] 0+0 [1.250] 0+0 [1.625]
$200,000+
1 + 0.125
0 + 0.500
0+0
0+0 [1.000] 0+0 [1.625] 0+0 [2.125] 0+0 [2.500]
$200,000+
0 + 1.000
0 + 0.625
0 + 0.250
0+0 [0.625] 0+0 [1.000] 0+0 [1.375] 0+0 [1.750]
3.500%
3.625%
3.750%
3.875%
$40,000+
1 + 1.375
1 + 0.500
0 + 0.750
0 + 0.125
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
3.875%
4.000%
$40,000+
1 + 0.625
0 + 1.000
4.125%
0 + 0.125
20 YEAR
4.250%
4.375%
4.500% 4.625%
0+0 [0.625] 0+0 [1.125] 0+0 [1.625] 0+0 [2.125]
4.000%
4.125%
4.250%
0+0 [0.500] 0+0 [1.125] 0+0 [1.750]
$70,000+
1 + 0.375
0 + 0.750
0+0 [0.125] 0+0 [0.875] 0+0 [1.375] 0+0 [1.875] 0+0 [2.375]
$70,000+
1 + 1.125
1 + 0.250
0 + 0.500
0+0 [0.125] 0+0 [0.750] 0+0 [1.375] 0+0 [2.000]
$100,000+
1 + 0.125
0 + 0.500
0+0 [0.375] 0+0 [1.125] 0+0 [1.625] 0+0 [2.125] 0+0 [2.625]
$100,000+
1 + 0.875
0 + 1.000
0 + 0.250
0+0 [0.375] 0+0 [1.000] 0+0 [1.625] 0+0 [2.250]
$150,000+
0 + 1.000
0 + 0.375
0+0 [0.500] 0+0 [1.250] 0+0 [1.750] 0+0 [2.250] 0+0 [2.750]
$150,000+
1 + 0.750
0 + 0.875
0 + 0.125
0+0 [0.500] 0+0 [1.125] 0+0 [1.750] 0+0 [2.375]
$200,000+
0 + 0.875
0 + 0.250
0+0 [0.625] 0+0 [1.375] 0+0 [1.875] 0+0 [2.375] 0+0 [2.875]
$200,000+
1 + 0.625
0 + 0.750
0+0
0+0 [0.625] 0+0 [1.250] 0+0 [1.875] 0+0 [2.500]
3.000%
3.125%
3.250%
3.375%
$40,000+
1 + 0.625
1 + 0.125
0 + 0.750
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.000]
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.250]
15 YEAR
3.125%
3.250%
3.375%
$40,000+
1 + 1.000
1 + 0.500
0 + 1.000
10 YEAR
3.500%
3.625%
3.750%
3.875%
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.125]
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.375]
3.500%
3.625% 3.750%
$70,000+
1 + 0.750
1 + 0.250
0 + 0.750
$70,000+
1 + 0.375
0 + 0.875
0 + 0.500
$100,000+
1 + 0.500
0 + 1.000
0 + 0.500
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.625]
$100,000+
1 + 0.125
0 + 0.625
0 + 0.250
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.500]
$150,000+
1 + 0.375
0 + 0.875
0 + 0.375
0+0 [0.250] 0+0 [0.750] 0+0 [1.250] 0+0 [1.750]
$150,000+
0 + 1.000
0 + 0.500
0 + 0.125
0+0 [0.250] 0+0 [0.750] 0+0 [1.250] 0+0 [1.625]
$200,000+
1 + 0.250
0 + 0.750
0 + 0.250
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [1.875]
$200,000+
0 + 0.875
0 + 0.375
0+0
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [1.750]
LTV %
FICO
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
0.000
-0.250
-0.250
-0.500
-0.250
-0.250
-0.250
-0.750
720 - 739
0.000
-0.250
-0.500
-0.750
-0.500
-0.500
-0.500
-1.000
700 - 719
0.000
-0.500
-1.000
-1.250
-1.000
-1.000
-1.000
-1.500
680 - 699
0.000
-0.500
-1.250
-1.750
-1.500
-1.250
-1.250
-1.500
660 - 679
0.000
-1.000
-2.250
-2.750
-2.750
-2.250
-2.250
-2.250
640 - 659
620 - 639
-0.500
-0.500
-1.250
-1.500
-2.750
-3.000
-3.000
-3.000
-3.250
-3.250
-2.750
-3.250
-2.750
-3.250
-2.750
-3.500

FICO RANGE
LTV %
MAX CLTV %
< 720
720
75
80
-0.375
-0.375
65
> 80 - 95
-0.875
> 65 - 75
> 80 - 95
> 75 - 90
LTV%
FICO
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
740
-0.375
-0.625
-0.625
-0.875
-1.000
-0.625
720 - 739
-0.375
-1.000
-1.000
-1.125
-1.125
-0.875
700 - 719
-0.375
-1.000
-1.000
-1.125
> 76 - 90
-1.375
-1.125
680 - 699
-0.375
-1.125
-1.125
-1.750
> 75 - 95
> 90 - 95
-1.375
-1.125
660 - 679
-0.625
-1.125
-1.125
-1.875
95
> 95 - 97
-1.875
-1.875
640 - 659
-0.625
-1.625
-1.625
-2.625
FIXED RATE
30/20 YR FIXED
RATE
3.875%
4.000%
4.125%
4.250%
4.375%
60-DAY
1 + 1.250
1 + 0.750
1 + 0.250
0 + 0.750
0 + 0.250
15 YR FIXED
RATE
3.750%
3.875%
4.000%
4.125%
4.250%
60-DAY
1 + 0.375
0 + 1.000
0 + 0.625
0 + 0.250
0+0
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
Monday, August 3, 2015
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
- 0.500
0.000
640 - 679
680 - 719
720
3.500%
3.625%
+ 0.250
620 - 639
- 1.500
30 YEAR
3.375%
VA FICO
15 YEAR
3.750%
3.875%
4.000% 4.125%
$40,000+
1 + 0.750
1 + 0.125
0 + 0.625
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [1.750]
2.875%
3.000%
3.125%
3.250%
$40,000+
1 + 0.750
1 + 0.375
0 + 1.000
0 + 0.125
3.375%
3.500%
3.625%
0+0 [0.250] 0+0 [0.625] 0+0 [1.000]
$70,000+
1 + 0.500
0 + 0.875
0 + 0.375
0+0 [0.625] 0+0 [1.125] 0+0 [1.625] 0+0 [2.000]
$70,000+
1 + 0.500
1 + 0.125
0 + 0.750
0+0 [0.125] 0+0 [0.500] 0+0 [0.875] 0+0 [1.250]
$100,000+
1 + 0.250
0 + 0.625
0 + 0.125
0+0 [0.875] 0+0 [1.375] 0+0 [1.875] 0+0 [2.250]
$100,000+
1 + 0.250
0 + 0.875
0 + 0.500
0+0 [0.375] 0+0 [0.750] 0+0 [1.125] 0+0 [1.500]
$150,000+
1 + 0.125
0 + 0.500
0+0
0+0 [1.000] 0+0 [1.500] 0+0 [2.000] 0+0 [2.375]
$150,000+
1 + 0.125
0 + 0.750
0 + 0.375
0+0 [0.500] 0+0 [0.875] 0+0 [1.250] 0+0 [1.625]
$200,000+
0 + 1.000
0 + 0.375
0+0 [0.125] 0+0 [1.125] 0+0 [1.625] 0+0 [2.125] 0+0 [2.500]
$200,000+
0 + 1.000
0 + 0.625
0 + 0.250
0+0 [0.625] 0+0 [1.000] 0+0 [1.375] 0+0 [1.750]
3.500%
3.625%
3.750%
3.875%
$40,000+
1 + 1.250
1 + 0.375
0 + 0.625
0+0
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
3.875%
4.000%
$40,000+
1 + 0.625
0 + 0.875
4.125%
0+0
20 YEAR
4.250%
4.375%
4.500% 4.625%
0+0 [0.625] 0+0 [1.125] 0+0 [1.625] 0+0 [2.125]
4.000%
4.125%
4.250%
0+0 [0.500] 0+0 [1.250] 0+0 [1.750]
$70,000+
1 + 0.375
0 + 0.625
0+0 [0.250] 0+0 [0.875] 0+0 [1.375] 0+0 [1.875] 0+0 [2.375]
$70,000+
1 + 1.000
1 + 0.125
0 + 0.375
0+0 [0.250] 0+0 [0.750] 0+0 [1.500] 0+0 [2.000]
$100,000+
1 + 0.125
0 + 0.375
0+0 [0.500] 0+0 [1.125] 0+0 [1.625] 0+0 [2.125] 0+0 [2.625]
$100,000+
1 + 0.750
0 + 0.875
0 + 0.125
0+0 [0.500] 0+0 [1.000] 0+0 [1.750] 0+0 [2.250]
$150,000+
0 + 1.000
0 + 0.250
0+0 [0.625] 0+0 [1.250] 0+0 [1.750] 0+0 [2.250] 0+0 [2.750]
$150,000+
1 + 0.625
0 + 0.750
0+0
0+0 [0.625] 0+0 [1.125] 0+0 [1.875] 0+0 [2.375]
$200,000+
0 + 0.875
0 + 0.125
0+0 [0.750] 0+0 [1.375] 0+0 [1.875] 0+0 [2.375] 0+0 [2.875]
$200,000+
1 + 0.500
0 + 0.625
3.000%
3.125%
3.250%
3.375%
$40,000+
1 + 0.625
1 + 0.125
0 + 0.750
0 + 0.375
0+0 [0.125] 0+0 [0.500] 0+0 [0.875]
0 + 0.125
0+0 [0.375] 0+0 [0.750] 0+0 [1.125]
15 YEAR
3.125%
3.250%
3.375%
$40,000+
1 + 1.000
1 + 0.500
0 + 1.000
0+0 [0.125] 0+0 [0.750] 0+0 [1.250] 0+0 [2.000] 0+0 [2.500]
10 YEAR
3.500%
3.625%
3.750%
3.875%
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.125]
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.375]
3.500%
3.625% 3.750%
$70,000+
1 + 0.750
1 + 0.250
0 + 0.750
$70,000+
1 + 0.375
0 + 0.875
0 + 0.500
$100,000+
1 + 0.500
0 + 1.000
0 + 0.500
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.625]
$100,000+
1 + 0.125
0 + 0.625
0 + 0.250
0+0 [0.125] 0+0 [0.625] 0+0 [1.000] 0+0 [1.375]
$150,000+
1 + 0.375
0 + 0.875
0 + 0.375
0+0 [0.250] 0+0 [0.750] 0+0 [1.250] 0+0 [1.750]
$150,000+
0 + 1.000
0 + 0.500
0 + 0.125
0+0 [0.250] 0+0 [0.750] 0+0 [1.125] 0+0 [1.500]
$200,000+
1 + 0.250
0 + 0.750
0 + 0.250
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [1.875]
$200,000+
0 + 0.875
0 + 0.375
0+0
0+0 [0.375] 0+0 [0.875] 0+0 [1.250] 0+0 [1.625]
LTV %
FICO
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
0.000
-0.250
-0.250
-0.500
-0.250
-0.250
-0.250
-0.750
720 - 739
0.000
-0.250
-0.500
-0.750
-0.500
-0.500
-0.500
-1.000
700 - 719
0.000
-0.500
-1.000
-1.250
-1.000
-1.000
-1.000
-1.500
680 - 699
0.000
-0.500
-1.250
-1.750
-1.500
-1.250
-1.250
-1.500
660 - 679
0.000
-1.000
-2.250
-2.750
-2.750
-2.250
-2.250
-2.250
640 - 659
620 - 639
-0.500
-0.500
-1.250
-1.500
-2.750
-3.000
-3.000
-3.000
-3.250
-3.250
-2.750
-3.250
-2.750
-3.250
-2.750
-3.500

FICO RANGE
LTV %
MAX CLTV %
< 720
720
75
80
-0.375
-0.375
65
> 80 - 95
-0.875
> 65 - 75
> 80 - 95
> 75 - 90
LTV%
FICO
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
740
-0.375
-0.625
-0.625
-0.875
-1.000
-0.625
720 - 739
-0.375
-1.000
-1.000
-1.125
-1.125
-0.875
700 - 719
-0.375
-1.000
-1.000
-1.125
> 76 - 90
-1.375
-1.125
680 - 699
-0.375
-1.125
-1.125
-1.750
> 75 - 95
> 90 - 95
-1.375
-1.125
660 - 679
-0.625
-1.125
-1.125
-1.875
95
> 95 - 97
-1.875
-1.875
640 - 659
-0.625
-1.625
-1.625
-2.625
FIXED RATE
30/20 YR FIXED
RATE
3.875%
4.000%
4.125%
4.250%
4.375%
60-DAY
1 + 1.250
1 + 0.750
1 + 0.250
0 + 0.750
0 + 0.250
15 YR FIXED
RATE
3.750%
3.875%
4.000%
4.125%
4.250%
60-DAY
1 + 0.375
0 + 1.000
0 + 0.625
0 + 0.250
0+0
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
Tuesday, August 4, 2015
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
- 0.500
0.000
640 - 679
680 - 719
720
3.500%
3.625%
+ 0.250
620 - 639
- 1.500
30 YEAR
3.375%
VA FICO
15 YEAR
3.750%
3.875%
4.000% 4.125%
$40,000+
1 + 0.625
0 + 1.000
0 + 0.500
0+0 [0.250] 0+0 [0.750] 0+0 [1.250] 0+0 [1.625]
2.875%
3.000%
3.125%
3.250%
$40,000+
1 + 0.750
1 + 0.375
0 + 1.000
0 + 0.125
3.375%
3.500%
3.625%
0+0 [0.250] 0+0 [0.625] 0+0 [1.000]
$70,000+
1 + 0.375
0 + 0.750
0 + 0.250
0+0 [0.500] 0+0 [1.000] 0+0 [1.500] 0+0 [1.875]
$70,000+
1 + 0.500
1 + 0.125
0 + 0.750
0+0 [0.125] 0+0 [0.500] 0+0 [0.875] 0+0 [1.250]
$100,000+
1 + 0.125
0 + 0.500
0+0
0+0 [0.750] 0+0 [1.250] 0+0 [1.750] 0+0 [2.125]
$100,000+
1 + 0.250
0 + 0.875
0 + 0.500
0+0 [0.375] 0+0 [0.750] 0+0 [1.125] 0+0 [1.500]
$150,000+
0 + 1.000
0 + 0.375
0+0 [0.125] 0+0 [0.875] 0+0 [1.375] 0+0 [1.875] 0+0 [2.250]
$150,000+
1 + 0.125
0 + 0.750
0 + 0.375
0+0 [0.500] 0+0 [0.875] 0+0 [1.250] 0+0 [1.625]
$200,000+
0 + 0.875
0 + 0.250
0+0 [0.250] 0+0 [1.000] 0+0 [1.500] 0+0 [2.000] 0+0 [2.375]
$200,000+
0 + 1.000
0 + 0.625
0 + 0.250
0+0 [0.625] 0+0 [1.000] 0+0 [1.375] 0+0 [1.750]
3.500%
3.625%
3.750%
3.875%
$40,000+
1 + 1.250
1 + 0.375
0 + 0.625
0+0
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
3.875%
4.000%
$40,000+
1 + 0.625
0 + 0.875
4.125%
0 + 0.125
20 YEAR
4.250%
4.375%
4.500% 4.625%
0+0 [0.625] 0+0 [1.125] 0+0 [1.625] 0+0 [2.125]
4.000%
4.125%
4.250%
0+0 [0.500] 0+0 [1.125] 0+0 [1.750]
$70,000+
1 + 0.375
0 + 0.625
0+0 [0.125] 0+0 [0.875] 0+0 [1.375] 0+0 [1.875] 0+0 [2.375]
$70,000+
1 + 1.000
1 + 0.125
0 + 0.375
0+0 [0.250] 0+0 [0.750] 0+0 [1.375] 0+0 [2.000]
$100,000+
1 + 0.125
0 + 0.375
0+0 [0.375] 0+0 [1.125] 0+0 [1.625] 0+0 [2.125] 0+0 [2.625]
$100,000+
1 + 0.750
0 + 0.875
0 + 0.125
0+0 [0.500] 0+0 [1.000] 0+0 [1.625] 0+0 [2.250]
$150,000+
0 + 1.000
0 + 0.250
0+0 [0.500] 0+0 [1.250] 0+0 [1.750] 0+0 [2.250] 0+0 [2.750]
$150,000+
1 + 0.625
0 + 0.750
0+0
0+0 [0.625] 0+0 [1.125] 0+0 [1.750] 0+0 [2.375]
$200,000+
0 + 0.875
0 + 0.125
0+0 [0.625] 0+0 [1.375] 0+0 [1.875] 0+0 [2.375] 0+0 [2.875]
$200,000+
1 + 0.500
0 + 0.625
3.000%
3.125%
3.250%
3.375%
$40,000+
1 + 0.625
1 + 0.125
0 + 0.750
0 + 0.375
0+0 [0.125] 0+0 [0.500] 0+0 [0.875]
0 + 0.125
0+0 [0.375] 0+0 [0.750] 0+0 [1.125]
15 YEAR
3.125%
3.250%
3.375%
$40,000+
1 + 1.000
1 + 0.500
0 + 1.000
0+0 [0.125] 0+0 [0.750] 0+0 [1.250] 0+0 [1.875] 0+0 [2.500]
10 YEAR
3.500%
3.625%
3.750%
3.875%
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.000]
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.250]
3.500%
3.625% 3.750%
$70,000+
1 + 0.750
1 + 0.250
0 + 0.750
$70,000+
1 + 0.375
0 + 0.875
0 + 0.500
$100,000+
1 + 0.500
0 + 1.000
0 + 0.500
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.500]
$100,000+
1 + 0.125
0 + 0.625
0 + 0.250
0+0 [0.125] 0+0 [0.625] 0+0 [1.000] 0+0 [1.375]
$150,000+
1 + 0.375
0 + 0.875
0 + 0.375
0+0 [0.250] 0+0 [0.750] 0+0 [1.250] 0+0 [1.625]
$150,000+
0 + 1.000
0 + 0.500
0 + 0.125
0+0 [0.250] 0+0 [0.750] 0+0 [1.125] 0+0 [1.500]
$200,000+
1 + 0.250
0 + 0.750
0 + 0.250
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [1.750]
$200,000+
0 + 0.875
0 + 0.375
0+0
0+0 [0.375] 0+0 [0.875] 0+0 [1.250] 0+0 [1.625]
LTV %
FICO
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
0.000
-0.250
-0.250
-0.500
-0.250
-0.250
-0.250
-0.750
720 - 739
0.000
-0.250
-0.500
-0.750
-0.500
-0.500
-0.500
-1.000
700 - 719
0.000
-0.500
-1.000
-1.250
-1.000
-1.000
-1.000
-1.500
680 - 699
0.000
-0.500
-1.250
-1.750
-1.500
-1.250
-1.250
-1.500
660 - 679
0.000
-1.000
-2.250
-2.750
-2.750
-2.250
-2.250
-2.250
640 - 659
620 - 639
-0.500
-0.500
-1.250
-1.500
-2.750
-3.000
-3.000
-3.000
-3.250
-3.250
-2.750
-3.250
-2.750
-3.250
-2.750
-3.500

FICO RANGE
LTV %
MAX CLTV %
< 720
720
75
80
-0.375
-0.375
65
> 80 - 95
-0.875
> 65 - 75
> 80 - 95
> 75 - 90
LTV%
FICO
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
740
-0.375
-0.625
-0.625
-0.875
-1.000
-0.625
720 - 739
-0.375
-1.000
-1.000
-1.125
-1.125
-0.875
700 - 719
-0.375
-1.000
-1.000
-1.125
> 76 - 90
-1.375
-1.125
680 - 699
-0.375
-1.125
-1.125
-1.750
> 75 - 95
> 90 - 95
-1.375
-1.125
660 - 679
-0.625
-1.125
-1.125
-1.875
95
> 95 - 97
-1.875
-1.875
640 - 659
-0.625
-1.625
-1.625
-2.625
FIXED RATE
30/20 YR FIXED
RATE
3.875%
4.000%
4.125%
4.250%
4.375%
60-DAY
1 + 1.375
1 + 0.875
1 + 0.375
0 + 0.875
0 + 0.375
15 YR FIXED
RATE
3.750%
3.875%
4.000%
4.125%
4.250%
60-DAY
1 + 0.500
1 + 0.125
0 + 0.750
0 + 0.375
0+0
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
Wednesday, August 5, 2015
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
- 0.500
0.000
640 - 679
680 - 719
720
3.625%
$40,000+
1 + 0.750
1 + 0.250
3.750%
0 + 0.125
+ 0.250
620 - 639
- 1.500
30 YEAR
3.500%
VA FICO
15 YEAR
3.875%
4.000%
4.125% 4.250%
0+0 [0.375] 0+0 [1.000] 0+0 [1.250] 0+0 [1.625]
3.000%
3.125%
3.250%
3.375%
$40,000+
1 + 0.750
1 + 0.375
0 + 0.500
0+0
3.500%
3.625%
3.750%
0+0 [0.375] 0+0 [0.625] 0+0 [1.000]
$70,000+
1 + 0.500
0 + 1.000
0+0 [0.125] 0+0 [0.625] 0+0 [1.250] 0+0 [1.500] 0+0 [1.875]
$70,000+
1 + 0.500
1 + 0.125
0 + 0.250
0+0 [0.250] 0+0 [0.625] 0+0 [0.875] 0+0 [1.250]
$100,000+
1 + 0.250
0 + 0.750
0+0 [0.375] 0+0 [0.875] 0+0 [1.500] 0+0 [1.750] 0+0 [2.125]
$100,000+
1 + 0.250
0 + 0.875
0+0
0+0 [0.500] 0+0 [0.875] 0+0 [1.125] 0+0 [1.500]
$150,000+
1 + 0.125
0 + 0.625
0+0 [0.500] 0+0 [1.000] 0+0 [1.625] 0+0 [1.875] 0+0 [2.250]
$150,000+
1 + 0.125
0 + 0.750
0+0 [0.125] 0+0 [0.625] 0+0 [1.000] 0+0 [1.250] 0+0 [1.625]
$200,000+
0 + 1.000
0 + 0.500
0+0 [0.625] 0+0 [1.125] 0+0 [1.750] 0+0 [2.000] 0+0 [2.375]
$200,000+
0 + 1.000
0 + 0.625
0+0 [0.250] 0+0 [0.750] 0+0 [1.125] 0+0 [1.375] 0+0 [1.750]
3.625%
3.750%
3.875%
$40,000+
1 + 0.875
1 + 0.125
0 + 0.500
0+0 [0.125] 0+0 [0.875] 0+0 [1.500] 0+0 [2.000]
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
3.875%
4.000%
4.125%
20 YEAR
4.250%
4.375%
4.500% 4.625%
$40,000+
1 + 1.250
1 + 0.375
0 + 0.500
0+0 [0.250] 0+0 [0.750] 0+0 [1.250] 0+0 [1.875]
4.000%
4.125%
4.250%
4.375%
$70,000+
1 + 1.000
1 + 0.125
0 + 0.250
0+0 [0.500] 0+0 [1.000] 0+0 [1.500] 0+0 [2.125]
$70,000+
1 + 0.625
0 + 0.875
0 + 0.250
0+0 [0.375] 0+0 [1.125] 0+0 [1.750] 0+0 [2.250]
$100,000+
1 + 0.750
0 + 0.875
0+0
0+0 [0.750] 0+0 [1.250] 0+0 [1.750] 0+0 [2.375]
$100,000+
1 + 0.375
0 + 0.625
0+0
0+0 [0.625] 0+0 [1.375] 0+0 [2.000] 0+0 [2.500]
$150,000+
1 + 0.625
0 + 0.750
0+0 [0.125] 0+0 [0.875] 0+0 [1.375] 0+0 [1.875] 0+0 [2.500]
$150,000+
1 + 0.250
0 + 0.500
0+0 [0.125] 0+0 [0.750] 0+0 [1.500] 0+0 [2.125] 0+0 [2.625]
$200,000+
1 + 0.500
0 + 0.625
0+0 [0.250] 0+0 [1.000] 0+0 [1.500] 0+0 [2.000] 0+0 [2.625]
$200,000+
1 + 0.125
0 + 0.375
0+0 [0.250] 0+0 [0.875] 0+0 [1.625] 0+0 [2.250] 0+0 [2.750]
3.000%
3.125%
3.250%
3.375%
3.500%
3.625% 3.750%
$40,000+
1 + 0.875
1 + 0.500
0 + 1.000
0 + 0.625
0 + 0.125
0+0 [0.250] 0+0 [0.625]
15 YEAR
3.250%
3.375%
3.500%
$40,000+
1 + 0.875
1 + 0.250
0 + 0.625
10 YEAR
3.625%
0 + 0.125
3.750%
3.875%
4.000%
0+0 [0.375] 0+0 [0.875] 0+0 [1.250]
$70,000+
1 + 0.625
0 + 1.000
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.500]
$70,000+
1 + 0.625
1 + 0.250
0 + 0.750
0 + 0.375
0+0 [0.125] 0+0 [0.500] 0+0 [0.875]
$100,000+
1 + 0.375
0 + 0.750
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [1.750]
$100,000+
1 + 0.375
0 + 1.000
0 + 0.500
0 + 0.125
0+0 [0.375] 0+0 [0.750] 0+0 [1.125]
$150,000+
1 + 0.250
0 + 0.625
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.500] 0+0 [1.875]
$150,000+
1 + 0.250
0 + 0.875
0 + 0.375
0+0
0+0 [0.500] 0+0 [0.875] 0+0 [1.250]
$200,000+
1 + 0.125
0 + 0.500
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.625] 0+0 [2.000]
$200,000+
1 + 0.125
0 + 0.750
0 + 0.250
0+0 [0.125] 0+0 [0.625] 0+0 [1.000] 0+0 [1.375]
LTV %
FICO
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
0.000
-0.250
-0.250
-0.500
-0.250
-0.250
-0.250
-0.750
720 - 739
0.000
-0.250
-0.500
-0.750
-0.500
-0.500
-0.500
-1.000
700 - 719
0.000
-0.500
-1.000
-1.250
-1.000
-1.000
-1.000
-1.500
680 - 699
0.000
-0.500
-1.250
-1.750
-1.500
-1.250
-1.250
-1.500
660 - 679
0.000
-1.000
-2.250
-2.750
-2.750
-2.250
-2.250
-2.250
640 - 659
620 - 639
-0.500
-0.500
-1.250
-1.500
-2.750
-3.000
-3.000
-3.000
-3.250
-3.250
-2.750
-3.250
-2.750
-3.250
-2.750
-3.500

FICO RANGE
LTV %
MAX CLTV %
< 720
720
75
80
-0.375
-0.375
65
> 80 - 95
-0.875
> 65 - 75
> 80 - 95
> 75 - 90
LTV%
FICO
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
740
-0.375
-0.625
-0.625
-0.875
-1.000
-0.625
720 - 739
-0.375
-1.000
-1.000
-1.125
-1.125
-0.875
700 - 719
-0.375
-1.000
-1.000
-1.125
> 76 - 90
-1.375
-1.125
680 - 699
-0.375
-1.125
-1.125
-1.750
> 75 - 95
> 90 - 95
-1.375
-1.125
660 - 679
-0.625
-1.125
-1.125
-1.875
95
> 95 - 97
-1.875
-1.875
640 - 659
-0.625
-1.625
-1.625
-2.625
FIXED RATE
30/20 YR FIXED
RATE
4.000%
4.125%
4.250%
4.375%
4.500%
60-DAY
1 + 1.125
1 + 0.625
1 + 0.125
0 + 0.625
0 + 0.125
15 YR FIXED
RATE
3.750%
3.875%
4.000%
4.125%
4.250%
60-DAY
1 + 0.625
1 + 0.250
0 + 0.875
0 + 0.500
0 + 0.125
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
Thursday, August 6, 2015
ON ALL LOANS
GOVERNMENT (FHA/VA)
45-DAY LOCK
FHA/GRH & VA FICO
BASE FHA:
$271,050
MAX VA:
$417,000
- 0.500
0.000
640 - 679
680 - 719
720
3.625%
$40,000+
1 + 0.750
1 + 0.250
3.750%
0 + 0.125
+ 0.250
620 - 639
- 1.500
30 YEAR
3.500%
VA FICO
15 YEAR
3.875%
4.000%
4.125% 4.250%
0+0 [0.375] 0+0 [1.000] 0+0 [1.250] 0+0 [1.625]
3.000%
3.125%
3.250%
3.375%
$40,000+
1 + 0.750
1 + 0.375
0 + 0.500
0+0
3.500%
3.625%
3.750%
0+0 [0.375] 0+0 [0.625] 0+0 [1.000]
$70,000+
1 + 0.500
0 + 1.000
0+0 [0.125] 0+0 [0.625] 0+0 [1.250] 0+0 [1.500] 0+0 [1.875]
$70,000+
1 + 0.500
1 + 0.125
0 + 0.250
0+0 [0.250] 0+0 [0.625] 0+0 [0.875] 0+0 [1.250]
$100,000+
1 + 0.250
0 + 0.750
0+0 [0.375] 0+0 [0.875] 0+0 [1.500] 0+0 [1.750] 0+0 [2.125]
$100,000+
1 + 0.250
0 + 0.875
0+0
0+0 [0.500] 0+0 [0.875] 0+0 [1.125] 0+0 [1.500]
$150,000+
1 + 0.125
0 + 0.625
0+0 [0.500] 0+0 [1.000] 0+0 [1.625] 0+0 [1.875] 0+0 [2.250]
$150,000+
1 + 0.125
0 + 0.750
0+0 [0.125] 0+0 [0.625] 0+0 [1.000] 0+0 [1.250] 0+0 [1.625]
$200,000+
0 + 1.000
0 + 0.500
0+0 [0.625] 0+0 [1.125] 0+0 [1.750] 0+0 [2.000] 0+0 [2.375]
$200,000+
0 + 1.000
0 + 0.625
0+0 [0.250] 0+0 [0.750] 0+0 [1.125] 0+0 [1.375] 0+0 [1.750]
3.625%
3.750%
3.875%
$40,000+
1 + 0.875
1 + 0.125
0 + 0.500
0+0 [0.125] 0+0 [0.875] 0+0 [1.500] 0+0 [2.000]
45-DAY LOCK

MAXIMUM LOAN:
$417,000
30 YEAR
3.875%
4.000%
4.125%
20 YEAR
4.250%
4.375%
4.500% 4.625%
$40,000+
1 + 1.250
1 + 0.375
0 + 0.500
0+0 [0.250] 0+0 [0.750] 0+0 [1.250] 0+0 [1.875]
4.000%
4.125%
4.250%
4.375%
$70,000+
1 + 1.000
1 + 0.125
0 + 0.250
0+0 [0.500] 0+0 [1.000] 0+0 [1.500] 0+0 [2.125]
$70,000+
1 + 0.625
0 + 0.875
0 + 0.250
0+0 [0.375] 0+0 [1.125] 0+0 [1.750] 0+0 [2.250]
$100,000+
1 + 0.750
0 + 0.875
0+0
0+0 [0.750] 0+0 [1.250] 0+0 [1.750] 0+0 [2.375]
$100,000+
1 + 0.375
0 + 0.625
0+0
0+0 [0.625] 0+0 [1.375] 0+0 [2.000] 0+0 [2.500]
$150,000+
1 + 0.625
0 + 0.750
0+0 [0.125] 0+0 [0.875] 0+0 [1.375] 0+0 [1.875] 0+0 [2.500]
$150,000+
1 + 0.250
0 + 0.500
0+0 [0.125] 0+0 [0.750] 0+0 [1.500] 0+0 [2.125] 0+0 [2.625]
$200,000+
1 + 0.500
0 + 0.625
0+0 [0.250] 0+0 [1.000] 0+0 [1.500] 0+0 [2.000] 0+0 [2.625]
$200,000+
1 + 0.125
0 + 0.375
0+0 [0.250] 0+0 [0.875] 0+0 [1.625] 0+0 [2.250] 0+0 [2.750]
3.000%
3.125%
3.250%
3.375%
3.500%
3.625% 3.750%
$40,000+
1 + 0.875
1 + 0.500
0 + 1.000
0 + 0.625
0 + 0.125
0+0 [0.250] 0+0 [0.625]
15 YEAR
3.250%
3.375%
3.500%
$40,000+
1 + 0.875
1 + 0.250
0 + 0.625
10 YEAR
3.625%
0 + 0.125
3.750%
3.875%
4.000%
0+0 [0.375] 0+0 [0.875] 0+0 [1.250]
$70,000+
1 + 0.625
0 + 1.000
0 + 0.375
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.500]
$70,000+
1 + 0.625
1 + 0.250
0 + 0.750
0 + 0.375
0+0 [0.125] 0+0 [0.500] 0+0 [0.875]
$100,000+
1 + 0.375
0 + 0.750
0 + 0.125
0+0 [0.375] 0+0 [0.875] 0+0 [1.375] 0+0 [1.750]
$100,000+
1 + 0.375
0 + 1.000
0 + 0.500
0 + 0.125
0+0 [0.375] 0+0 [0.750] 0+0 [1.125]
$150,000+
1 + 0.250
0 + 0.625
0+0
0+0 [0.500] 0+0 [1.000] 0+0 [1.500] 0+0 [1.875]
$150,000+
1 + 0.250
0 + 0.875
0 + 0.375
0+0
0+0 [0.500] 0+0 [0.875] 0+0 [1.250]
$200,000+
1 + 0.125
0 + 0.500
0+0 [0.125] 0+0 [0.625] 0+0 [1.125] 0+0 [1.625] 0+0 [2.000]
$200,000+
1 + 0.125
0 + 0.750
0 + 0.250
0+0 [0.125] 0+0 [0.625] 0+0 [1.000] 0+0 [1.375]
LTV %
FICO
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
85.01 - 90
90.01 - 95
95.01 - 97
740
0.000
-0.250
-0.250
-0.500
-0.250
-0.250
-0.250
-0.750
720 - 739
0.000
-0.250
-0.500
-0.750
-0.500
-0.500
-0.500
-1.000
700 - 719
0.000
-0.500
-1.000
-1.250
-1.000
-1.000
-1.000
-1.500
680 - 699
0.000
-0.500
-1.250
-1.750
-1.500
-1.250
-1.250
-1.500
660 - 679
0.000
-1.000
-2.250
-2.750
-2.750
-2.250
-2.250
-2.250
640 - 659
620 - 639
-0.500
-0.500
-1.250
-1.500
-2.750
-3.000
-3.000
-3.000
-3.250
-3.250
-2.750
-3.250
-2.750
-3.250
-2.750
-3.500

FICO RANGE
LTV %
MAX CLTV %
< 720
720
75
80
-0.375
-0.375
65
> 80 - 95
-0.875
> 65 - 75
> 80 - 95
> 75 - 90
LTV%
FICO
< 60
60.01 - 70
70.01 - 75
75.01 - 80
80.01 - 85
740
-0.375
-0.625
-0.625
-0.875
-1.000
-0.625
720 - 739
-0.375
-1.000
-1.000
-1.125
-1.125
-0.875
700 - 719
-0.375
-1.000
-1.000
-1.125
> 76 - 90
-1.375
-1.125
680 - 699
-0.375
-1.125
-1.125
-1.750
> 75 - 95
> 90 - 95
-1.375
-1.125
660 - 679
-0.625
-1.125
-1.125
-1.875
95
> 95 - 97
-1.875
-1.875
640 - 659
-0.625
-1.625
-1.625
-2.625
FIXED RATE
30/20 YR FIXED
RATE
4.000%
4.125%
4.250%
4.375%
4.500%
60-DAY
1 + 1.125
1 + 0.625
1 + 0.125
0 + 0.625
0 + 0.125
15 YR FIXED
RATE
3.750%
3.875%
4.000%
4.125%
4.250%
60-DAY
1 + 0.625
1 + 0.250
0 + 0.875
0 + 0.500
0 + 0.125
FICO
780 +
760 - 779
740 - 759
720 - 739
700 - 719
LTV%
60
60.01 - 70
70.01 - 75
75.01 - 80
+ 0.375
+ 0.375
+ 0.250
+ 0.125
+ 0.125
+ 0.375
+ 0.375
0.000
- 0.375
- 0.500
0.000
- 0.125
- 0.375
- 0.625
- 0.875
0.000
- 0.250
- 0.500
- 1.000
- 1.000

Bartlett, TN 38134
LTV RATIOS
Up to $750,000
$750,000 - $1,000,000,000
$1,000,000 - $1,500,000
$1,500,000 - $2,000,000
75/85
80/80
80/80
80/80
John M. Byrd
ACCT 4911 302
Dr. Spiceland
August 5, 2015
Student Final Internship Evaluation Bartlett Mortgage, Inc.
1.
I was acquainted with the application of concepts introduced in my Accounting major through
two primary facets of the mortgage lending process: DU Underwriting Findings and the daily preparation
of in-house mortgage rates compiled from various investors loan product price matrices. DU
Underwriting findings compile and utilize key financial ratios to determine the eligibility of potential
borrowers. Concepts like loan-to-value, combined loan-to-value, housing expense ratio, and total
expense ratio are central to manual and automated underwriting, and were essentially varying
applications of financial ratios introduced to me during my time at the University of Memphis. Compiling
Bartlett Mortgages in-house rates on a daily basis was a re-visitation of the formation of interest rates
discussed in FIR 3410, but with greater adherence to managerial accounting, as additions to investors
base product prices derived from the 10-year Treasury bond were formed from distributions of
overhead costs.
2.
Most importantly, the confidence gained during my internship from the mere application of
textbook finance to actual workflow will benefit me throughout my career as it is my first affirmation of
the prospects granted to me from my education. In addition, the consistent fulfillment of my internship
responsibilities, such as lock-in management and the compilation of in-house product pricing, serve as
a real-world benchmark for the further expansion and application of my financial vocabulary.
4.
The courses from my Accounting major curriculum that most well-prepared me for my
internship are as follows:
ACCT 3310 Cost Accounting

FIR 3410 Business Finance
MGMT 4710 Strategic Management
SCMS 3711 Analytical Tools/Business
LEARNING AGREEMENT ACCT 4911

John M. Byrd
Barbara Williams
Student Name____________________
Site Supervisor_____________________
Learning
Objectives
(What are the
educational
goals?)
Example--Cash
Apply audit
concepts and
principles, be
specific based on
assigned duties.
Strategies
(Specific processes for
achieving the objectives)
Evaluation
(How will I measure my
progress of the agreed upon
objectives)
.
Evaluate the current
inventory..and analyze
supervisor will determine..the

accuracy of the inventory report.
2.
Prepare in-house rates
daily, in consideration
of overhead costs, as
well as investors'
various price matrices.
Compare investors' product prices

per interest rate and select the
most attractive aggregate price as
the base for the addition of
distributed overhead costs.
Initially, supervisor will review in-house rates

prior to issuance to ensure optimal pricing has
been selected and overhead cost adjusters
have been integrated. Once consistent, rates
will be reviewed at random intervals.
Examine investor product pricing

offers as applicable to interest rate
of subject loan and submit loan
information to desired investor to
begin loan purchase process.
All "lock-in" requests are subject to review by

supervisor prior to submission to ensure
student's selections are in accordance with
management's pricing standards.
Compare data fields of pending

loan submission with FHA
requirements and applicable
investor overlays to reduce data
error in automated endorsement.
Comparison of loan data with FHA guidelines

and investor overlays prior to submission for
endorsement is conducted under direct
guidance of supervisor, whose approval is
required to initiate Direct Endorsement.
Student will closely examine

supervisor's application of
residential appraisal guidelines to
procedures of underwriting.
Student is not permitted by law to conduct

underwriting process, and has limited
knowledge of such process, so evaluation will
be based on attentiveness to instruction.
3.
In accordance with
management's target
pricing goals, select
most attractive investor
price and "lock-in" loan.
4.
Ensure validity of
borrower and loan
information prior to
submission for HUD
Direct Endorsement.
5.
Assist supervisor in
uniform residential
appraisal underwriting
duties .

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Your personality can be summarized as follows.

Your Personality Type:

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The Skills You Selected Are:

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Occupations That Match Your Skills

Liberal Arts and Sciences

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Social and Human Service Assistants

Liberal Arts and Sciences

Special Education Administrator

Traffic Administrator (Freight & Passenger)

Urban and Regional Planning

Advertising Agency Coordinator

Media Studies and Mass

Advertising Sales Promotion Manager

Business Administration and

Alumni Relations Coordinator

Curriculum and Instruction

Physical Education Teaching and

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Bank and Branch Managers