Phone Lock: 866-204-4311 Fax Lock: 866-204-4315 www.castleviewdirect.com
330 E. Lambert Road, 2nd Floor Brea, CA 92821 10 & 25 Day Locks Used For All Pricing
Effective Time 8:43 am
5/21/2007 Page 4 RS# 2062
EXPANDED CHOICE NO PREPAY JUMBO PROGRAMS
30 Year Fixed
(NO PrePay)
Rate 7.375 7.250 7.125 7.000 6.875 6.750 6.625 6.500 6.375 6.250 6.125 10 Day -1.425 -1.275 -1.225 -1.175 -1.025 -0.875 -0.825 -0.625 -0.325 0.125 0.775 25 Day -1.325 -1.175 -1.125 -1.075 -0.925 -0.775 -0.725 -0.525 -0.225 0.225 0.875
15 Year Fixed
(NO PrePay)
Rate 10 Day 7.000 -1.875 6.875 -1.725 6.750 -1.625 6.625 -1.525 6.500 -1.425 6.375 -1.275 6.250 -1.025 6.125 -0.675 6.000 -0.275 5.875 0.175 5.750 0.725 25 Day -1.625 -1.475 -1.375 -1.275 -1.175 -1.025 -0.775 -0.425 -0.025 0.425 0.975
Max Rebate
-1.625
40 Day Lock Add 0.125 to 25 Day
Manufactured Homes Not Permitted
PRICE Adjustments
LTV
Escrow Impound Waiver >$417,000** Jumbo $417,001 to $650,000 Jumbo $650,001 to $1,000,000 Super Jumbo $1,000,001 to $1,500,000 Super Jumbo $1,500,001 to $2,000,000 Cash Out Refinances (<=80% LTV C/O Unlimited, >80% LTV, max $150K) Interest Only (10 YR) (30 Year Product Only) Interest Only Feature with FICO <660 (in addtion to any IO adj. above) Interest Only (CLTV >90% - in addition to IO adjustment above) 2 Units (O/O & Stated = Min 700 FICO) Second Home Condo <=4 stories Condo > 4 stories Doc Type / FICO Score Full Doc FICO >= 780 Full Doc FICO 720-779 Full Doc FICO 640 - 660 Stated Income FICO >=780 Stated Income FICO 720-779 Stated Income FICO 700-719 Secondary Financing 75/20/5 (CLTV 90.01 TO 95%) 80/15/5 (CLTV 90.01 TO 95%) 80/20 (CLTV 95.01 to 100%) Full Doc Only **CA Escrow Impound Waiver 0.375 --0.750 0.150 0.375 --0.750 0.150 0.375 --0.750 0.150 n/a 0.375 0.750 0.150 n/a n/a n/a 0.150 n/a n/a n/a 0.150 n/a n/a n/a n/a -0.250 -0.125 0.000 0.125 0.250 0.375 -0.250 -0.125 0.250 0.125 0.250 0.375 -0.250 -0.125 0.250 0.250 0.375 0.500 -0.250 -0.125 0.250 0.250 0.375 0.500 -0.250 -0.125 0.500 0.375 0.500 0.625 -0.250 -0.125 0.500 0.500 0.625 0.750 -0.250 -0.125 0.500 0.750 0.875 1.000
<=65 >65-70 >70-75 >75-80 >80-85 >85-90 >90-95
0.250 0.000 0.000 0.000 0.500 0.000 0.125 0.375 0.250 0.250 0.250 0.000 0.000 0.250 0.000 0.000 0.000 0.500 0.250 0.125 0.375 0.250 0.250 0.250 0.000 0.250 0.250 0.000 0.000 0.000 n/a 0.375 0.125 0.375 0.250 0.250 0.375 0.000 0.375 0.250 0.000 0.000 n/a n/a 0.375 0.125 0.375 0.250 0.250 0.375 0.000 0.375 n/a 0.125 n/a n/a n/a 0.375 0.125 0.375 n/a 0.500 0.500 0.000 0.750 n/a 0.125 n/a n/a n/a 0.375 0.125 0.375 n/a 0.500 0.750 0.500 1.000 n/a 0.500 n/a n/a n/a n/a 0.125 0.375 n/a 0.500 n/a 0.500 1.500
EXPANDED CHOICE 5 YR PREPAY JUMBO PROGRAMS
30 Year Fixed
(5 Year PrePay)
Rate 9.875 9.750 9.625 9.500 9.375 9.250 9.125 9.000 8.875 8.750 10 Day -3.250 -3.125 -3.000 -2.875 -2.750 -2.500 -2.250 -2.000 -1.750 -1.375 25 Day -3.000 -2.875 -2.750 -2.625 -2.500 -2.250 -2.000 -1.750 -1.500 -1.125 Rate 8.625 8.500 8.375 8.250 8.125 8.000 7.875 7.750 7.625 7.500 10 Day -1.125 -0.750 -0.500 -0.250 -0.125 0.250 0.625 1.000 1.625 2.000 25 Day -0.875 -0.500 -0.250 0.000 0.125 0.500 0.875 1.250 1.875 2.250
Minimum Loan Amount
$1,000,000.
PRICE Adjustments
LTV <=60 >60-70 >70-75
Ln =>$1MM <= $1.5MM 0.000 0.500 0.750 Ln >1.5MM <=$2.0MM 0.750 1.000 n/a Ln Amt >$2MM <= $4MM 1.250 1.750 n/a Cashout Refi 0.000 0.250 0.375 2nd Home 0.250 0.500 0.750 2 Units (Cash-out allowed) 0.000 0.250 0.250 3-4 Units 0.250 0.500 0.750 High-Rise Condo (>8 Stories) 0.750 0.750 1.000 FICO Score >720 -0.125 -0.250 -0.250 FICO Score 660 - 680 0.250 0.250 0.375 FICO Score 640 - 659 0.500 0.500 0.625 Stated Income 0.125 0.375 n/a No Ratio 0.250 0.500 n/a NINA 0.500 0.750 n/a No Doc 0.750 n/a n/a No Doc W/ Assets 0.500 n/a n/a Interest Only Option (10 YR) 0.125 0.125 0.125 Interest Only Feature with FICO <660 (in addtion to any IO adj. above) 0.375 0.375 0.375 Escrow Impound Waiver 0.125 0.125 0.125 -0.125 rate 15 Year Term 0.000 rate 5 YR Pre-Pay (Max Rebate -1.125) 0.125 rate 3 YR Pre-Pay (Max Rebate -1.125) 0.250 rate 2 YR Pre-Pay (Max Rebate -1.125) 0.375 rate 1 YR Pre-Pay (Max Rebate -0.375) Use the rate sheet as a guide only! Our investors determine the final price. Rates, pricing, price adjustments and rate adjustments are subject to change. If a discrepancy occurs, the person submitting the lock request will be contacted for approval of the new adjusted price or rate before proceeding with the lock in.
For internal use of Castleview Home Loans Only. Not for distribution to the general public.