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					                                                                         Stonegate Mortgage Corporation
                                             Agency Conforming / Government Loan Programs - Wholesale Price Indications


                                                       Get LIVE pricing and all available products at http://stonegatemtg.nylx.com
Effective:    10/27/2009 10:58                ET                                                                                                      Product, Pricing and Eligibility:                                  stonegatemtg.nylx.com
Phone:        317-570-0450                                                                                                                            Lock Hours                                                         10:30am-8pm ET
Fax:          317-570-2150                                                                                                              Current Underwriting Received Date: Purchase                                      10/26/2009 Refi      10/23/2009

                              Agency Fixed                                                      ARM                                                                                       FHA and VA                                           USDA

                   30yr Fixed                       15yr Fixed                              5/1 ARM                                                                     FHA Fixed                               VA Fixed                   30 Yr Fixed

Rate           15 Day         30 Day             15 Day            30 Day            30 Day              45 Day                              Rate                    15 Day            30 Day             15 Day              30 Day     30 Day       45 Day
   4.500        98.080          97.875           100.781           100.590           101.061             100.411                                 4.500                97.447            97.522             97.222               97.100
   4.625        98.493          98.288           101.102           100.911           101.293             100.487                                 4.625                97.825            97.600             97.600               97.465
   4.750        99.360          99.155           102.120           101.929           101.526             100.635                                 4.750                99.386            99.161             99.161               99.006     97.794      97.669
   4.875       100.094          99.901           102.677           102.486           101.535             100.847                                 4.875                99.873            99.700             99.700               99.613     98.523      98.398
   5.000       100.423         100.222           102.983           102.792           101.544             101.059                                 5.000               100.616           100.402            100.402              100.256     99.979      99.854
   5.125       100.830         100.625           103.224           103.033           101.545             101.270                                 5.125               100.769           100.544            100.544              100.409     99.949      99.824
   5.250       101.757         101.552           103.769           103.578           101.550             101.308                                 5.250               101.957           101.741            101.741              101.697    100.643     100.518
   5.375       102.535         102.330           104.246           103.901           101.551             101.329                                 5.375               102.396           102.171            102.171              102.036    101.306     101.181
   5.500       102.937         102.732           104.526           103.990           101.555             101.385                                 5.500               103.103           102.878            102.878              102.743    102.503     102.378
   5.625       103.303         103.098           104.747           104.000           101.555             101.385                                 5.625               103.103           102.878            102.878              102.743    102.670     102.545
   5.750       103.640         103.435           104.759           104.010           101.560             101.400                                 5.750               103.672           103.447            103.447              103.312     99.975      99.850
   5.875       104.158         103.953           104.587           104.090                                                                       5.875               104.076           103.851            103.851              103.801
   6.000       104.518         104.313           103.400           103.175                                                                       6.000               104.362           104.137            104.137              104.020
   6.125                                                                                                                                         6.125
   6.250                                                                                                                                         6.250
   6.375                                                                                                                                         6.375
   6.500                                                                                                                                         6.500
                                                                                                     Max YSP after adjustments 103                                                                                                        Max USDA 5.75%
                     Agency Conforming Fixed Adjustments**                                                                                                                 Agency Conforming ARM Adjustments**

Fico Scores (>15 Year Term)                                                              Price Reduction                             Fico Scores (>15 Year Term)                                                                            Price Reduction
Fico           <60LTV     60-70LTV              70-75LTV          75-80LTV          80-85LTV         85+LTV                          Fico                 <60LTV                      60-70LTV          70-75LTV              75-80LTV   80-85LTV   85+LTV
740+         (0.250)    0.000     0.000      0.000                                    0.000               0.000                      740+              (0.250)   0.000      0.000                                              0.000      0.000       0.000
720-739      (0.250)    0.000     0.000      0.250                                    0.000               0.000                      720-739           (0.250)   0.000      0.000                                              0.250      0.000       0.000
700-719      (0.250)    0.500     0.500      0.750                                    0.500               0.500                      700-719           (0.250)   0.500      0.500                                              0.750      0.500       0.500
680-699       0.000     0.500     1.000      1.500                                    1.000               0.750                      680-699           0.000     0.500      1.000                                              1.500      1.000       0.750
660-679       0.000     1.000     2.000      2.500                                    2.250               1.750                      660-679           0.000     1.000      2.000                                              2.500      2.250       1.750
640-659       0.500     1.250     2.500      3.000                                    2.750               2.250                      640-659           0.500     1.250      2.500                                              3.000      2.750       2.250
620-639       0.500     1.500     3.000      3.000                                    2.750               2.750                      620-639           0.500     1.500      3.000                                              3.000      2.750       2.750
Cash Out Refi - Owner Occupied (Max LTV 85%)                                                                                         Cash Out Refi - Owner Occupied (Max LTV 85%)
740+          0.000     0.250     0.250      0.500                                    0.625                 n/a                      740+              0.000     0.250      0.250                                              0.500      0.625         n/a
700-739       0.000     0.625     0.625      0.750                                    1.500                 n/a                      700-739           0.000     0.625      0.625                                              0.750      1.500         n/a
680-699       0.000     0.750     1.375      2.500                                    2.000                 n/a                      680-699           0.000     0.750      1.375                                              2.500      2.000         n/a
660-679       0.250     0.750     1.500      2.500                                    2.000                 n/a                      660-679           0.250     0.750      1.500                                              2.500      2.000         n/a
640-659       0.250     1.250     2.250      3.000                                    2.500                 n/a                      640-659           0.250     1.250      2.250                                              3.000      2.500         n/a
620-639       0.250     1.250     2.750      3.000                                    2.500                 n/a                      620-639           0.250     1.250      2.750                                              3.000      2.500         n/a

Secondary Financing                 Fico                 Price Reduction                                                             Convertible ARM
65-75 LTV/90-95 CLTV                All scores                      0.500                                                            (0.500 from ARM price where available)
75-90 LTV/90-95 CLTV                All scores                      0.500                                                            Secondary Financing:                                             Fico                                  Price Reduction
75-90 LTV/75-90 CLTV                <720                            0.250                                                            65-75 LTV/90-95 CLTV                                             All scores                                      0.500
<=80 LTV/>95 CLTV                                                     n/a                                                            75-90 LTV/90-95 CLTV                                             All scores                                      0.500
Other                                                                                                                                75-90 LTV/75-90 CLTV                                             <720                                            0.250
2-4 Unit                                                            1.000                                                            <=80 LTV/>95 CLTV                                                                                                  n/a
LTV > 75% with subordinate financing                                  n/a                                                            (See Agency Fixed for NOO Adjusters)
Condominium over 75% LTV                                            0.750                                                            Interest Only
Non-Owner Occupied (min Fico 720/740 cashout)                                                                                        LTV < 90%                                                                   0.500
<=75%                                                               1.750                                                            LTV > 90%                                                                   1.800
75.01-80%                                                           3.000                                                            Waive Escrows (80% or less LTV)                                             0.250
>80%                                                                  n/a                                                                                        Stonegate Price Adjustments
Waive Escrows (80% or less LTV)                                     0.250                                                                                        All Adjustments Cumulative
Eligible property states: IN/KY/MO/KS/CO/NE/OH/TN-State SRP's vary.                                                                  Other Adjustments                                                   Price Adjustment
**Other programs and adjustments available-please verify specific pricing and                                                        VA IRRRL Streamline Refinance                       Worsen by               0.250
availability at stonegate.nylx.com. We follow standard Fannie LLPA schedule.                                                         >720 FHA                                            Improve by              0.125
**All adjustments are cumulative. Other adjustments may vary.                                                                        660 - 719 FHA                                                                 n/a
VA and USDA for approved brokers only.                                                                                               640 - 659 FHA                                       Worsen by               0.250
15 Day Pricing available for approved loans only-NO EXCEPTIONS                                                                       620 - 639 FHA                                       Worsen by                0.375
                  Loan Size                             Adjustment                                                                   Loan Purpose Adjustments (min score with PMI 720)
             $300,000 - $417,000                       improve 0.375                                                                 Purchase          (N/A Jumbo)                     Improve by                0.250
             $225,000 - $299,999                       improve 0.250                                                                 ***Secondary market adjusters may vary by lender-actual best price
              $175,000-$224,999                        improve 0.125                                                                 available only through NYLX based on individual loan characteristics.***
              $50,000 - $99,999                         worsen 0.60
                          Rate Extension Adjustments                                                                                       LPMI Price Adjustments (700 minimum score, reduce by 0.25 r/t refinance)
                   Period                            Price Adjustment                                                                Fixed Rate         cost              ARM < 5 Year              cost
                   7 Days*                              worsen 0.200                                                                 95%-90.1%           n/a              95%-90.1%                  n/a
                   15 Days                              worsen 0.400                                                                 90%-85.01%          (1.700)          90%-85.01%                 (2.250)
                 Expired locks priced worse case plus extension fee.                                                                 <85%                (0.950)          <85%                       (0.950)
*File must be Final Approved-NO EXCEPTIONS
                                                                                                                                                                                            Special Promotions
                                                                                                                                                                                      Conventional and FHA Programs
    All rate locks must fund prior to expiration or be renegotiated at worse-case. Rate
 extensions 3 (0.10) 7 (0.20) or 15 days (0.40). Locks may only be extended one time. All
 pricing subject to change at any time without notice. Rates locked on-line only and are                                             ***Size bonus-loans 300-417K pay up 0.375 on top of our already
                             not valid until confirmed in writing.
                                                                                                                                     fantastic base pricing!!***
                                                                                                                                     ***JUMBO-Check out our jumbo fixed and ARM pricing in
Closing Fees                                  Redraw Fee           $150                                                              NYLX!!!***
Administration Fee                  $695 Tax Service                           $70
Wire/Courier                          $90 Flood Cert                           $19
Marsha Russo              314-471-9198                          mrusso@stonegatemtg.com
Deborah Allred            502-649-4619                          dallred@stonegatemtg.com
Doug Ottman               614-571-0115                          dottman@stonegatemtg.com                                             Contact Info
Jim Reid                  314-954-4533                          jreid@stonegatemtg.com                                               John Dennison-Dir. Wholesale Lending                                                913-323-6877
Rob Harmon                317-570-0450                          rharmon@stonegatemtg.com                                             jdennison@stonegatemtg.com
Gary Long                 913-660-9382                          glong@stonegatemtg.com
Kevin Woolsey             812-431-5906                          kwoolsey@stonegatemtg.com                                            Locks and registration desk         lockdesk@stonegatemtg.com
Trina Greathouse          402-304-1294                          tgreathouse@stonegatemtg.com                                         Mike Brown       mbrown@stonegatemtg.com     317-570-0450 ext. 112
Bob Mink                  513-227-0554                          bmink@stonegatemtg.com                                               Sally Vail       svail@stonegatemtg.com      317-570-0450 ext. 126
Dave Chase                816-332-8204                          dchase@stonegatemtg.com                                                                      Eligible property states: IN/KY/MO/KS/CO/NE/OH/TN
                         Rates, comparisons, fees and programs are subject to change without notice. Information is intended for Mortgage Professionals only, and not for distribution. Not responsible for obvious errors.

                                                                                  to consumers, as defined by Section 226.2 of Reg. Z, which implements the Truth-In-Lending Act.

                                                                             Stonegate Mortgage reserves the right to cancel any rate lock which violates any state or federal law.

                                                                                            Ratesheets do not represent guidelines. Locks not valid until confirmed.

				
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