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					PLAZA HOME MORTGAGE, INC.                                                                     Regional Manager: Sarah Pratt 303-888-1884
Denver Wholesale                                                                             Sarah.Pratt@plazahomemortgage.com
7535 E. Hampden Ave, Suite 109                                                                Sales Manager: Cameron Tiffany 720-641-3240
Denver, CO 80231                                                                             Cameron.Tiffany@plazahomemortgage.com
Phone: 303-597-0440                                                                           Account Executive: Bill Beresford 303-944-5060
Fax: 303-597-0446                                                                            Bill.Beresford@plazahomemortgage.com
Closing Fax: 303-632-9166                                                                     Account Executive: Jeannie Brier 303-704-8406
Toll free: 800-957-7644                                                                      Jeannie.Brier@plazahomemortgage.com
Web-site Plazahomemortgage.com
                                                                                                    RATE SHEET IS FOR BORROWER PAID COMPENSATION
Purchase loans must be Approved in order to lock                                                                         ONLY
for 15 days                                                                                          YSP on this rate sheet cannot be used for broker compensation
Refinance loans and 203KS must be CTC in order                                                 Ask your AE about our Reverse Mortgage or contact Mark Reeve
to lock for 15 days                                                                                                at 800-957-7644 x237

    6/22/2011 6:49
       INDICES                   FEES                                                                                       Great Resources                                                                                               Lock Extension Costs
Prime          3.250 Underwriting                                                             $950                              On-Line                                    1-Day Extension                                                       0.100 10-Day Extension                                                                     0.300
1 Mo Libor     0.186                                                                                                   ►       Lock                                        5-Day Extension                                                       0.175 15-Day Extension                                                                     0.550
3 Mo Libor     0.246 Govt Streamline                                                          $600                     ►       Submit                                                              ASK YOUR AE ABOUT OUR REDUCED EXTENSIONS FEES!
6 Mo Libor     0.395                                                                                                   ►       Manage Pipeline                                                               Click here for detailed lock policies
12 Mo Libor    0.726                                                                                                   ►       View Guidelines                                           Minimum loan amount >=$70K                                                                15 days expires on                                    07/06/11
12 Mo Treasury0.18000                                                                                                                                                                                                                                                              30 days expires on                                    07/21/11
                                                                                                                                             Lock Desk (800) 277-3395                                                                                                              45 days expires on                                    08/05/11
                                                                                                                                          Lock extension cut off 3pm pst                                                                                                           60 days expires on                                    08/22/11
                                                                                                                                           Lock Desk Closes at 4:00 PM                                                                                                                45 day lock (add to 30 day price): .175
                                                                                                                           CONFORMING FIXED RATES
              30 Year Fixed                                                                                        20 Year Fixed                       15 Year Fixed                                                                                                                                    10 Year Fixed
                 CF300                                                                                                CF200                                CF150                                                                                                                                           CF100
   Rate          15 Day     30 Day                                                                 Rate               15 Day     30 Day           Rate    15 Day     30 Day                                                                                                              Rate              15 Day     30 Day
   4.875         (3.851)    (3.676)                                                               4.750               (3.031)    (2.856)         4.000    (2.032)    (1.857)                                                                                                            3.625              (1.275)    (1.100)
   4.750         (2.945)    (2.770)                                                               4.625               (2.258)    (2.083)         3.875    (1.688)    (1.513)                                                                                                            3.500              (1.011)    (0.836)
   4.625         (1.997)    (1.822)                                                               4.500               (1.864)    (1.689)         3.750    (1.105)    (0.930)                                                                                                            3.375              (0.682)    (0.507)
   4.500         (1.607)    (1.432)                                                               4.375               (1.459)    (1.284)         3.625    (0.205)    (0.030)                                                                                                            3.250              (0.053)    0.122
   4.375         (0.873)    (0.698)                                                               4.250               (0.703)    (0.528)         3.500     0.137      0.312
   4.250          0.274     0.449                                                                                                                3.375     0.505      0.680
                                                                                                                                                 3.250     1.134      1.309

              30 Year Fixed                                                                                        20 Year Fixed                                                                                           15 Year Fixed
                 RCF30                                                                                                RCF20                                                                                                   RCF15
   Rate          15 Day     30 Day                                                                 Rate               15 Day     30 Day                                                                    Rate               15 Day     30 Day
   5.000         (3.273)    (3.098)                                                                4.875              (3.403)    (3.228)                                                                   4.000              (1.754)    (1.579)
   4.875         (2.555)    (2.380)                                                                4.750              (2.844)    (2.669)                                                                   3.875              (1.214)    (1.039)
   4.750         (1.769)    (1.594)                                                                4.625              (2.284)    (2.109)                                                                   3.750              (0.637)    (0.462)
   4.625         (0.983)    (0.808)                                                                4.500              (1.725)    (1.550)                                                                   3.625              (0.058)    0.117
   4.500         (0.197)    (0.022)                                                                4.375              (1.075)    (0.900)                                                                   3.500               0.520     0.695
              All adjustments apply to all conventional programs and are cumulative unless otherwise stated. Net YSP not to exceed 3.50 (LPMI adjustments will be applied after the max YSP)

Impound waiver (<=80%) Adjustment for other states may vary.                                                                                     0.250                     My Community - Call AE for My Community adjustments
2 units                                                                                                                                          1.000                     Interest Only, LTV <=90% (separate base price)                                                                                                                   0.750
3-4 units                                                                                                                                        1.000                     Interest Only, LTV >90% (separate base price)                                                                                                                    1.000
Condo LTV > 75% & Loan Term >15yrs                                                                                                               0.750                     Loan Amount <$140k                                                                                                                                               0.125
Investment LTV <= 75%                                                                                                                            1.750                     Loan Amount <$100k                                                                                                                                               0.250
Property:  LTV > 75% - 80% (only available on Purchases)                                                                                         3.000                     Loan Amount <$75k                                                                                                                                                0.500
                                                                                                                                                                           High Balance Cash Out                                                                                                                                            1.000
Subordinate Financing                                                                                                                                                      High Balance - LTV >80 & FICO <720                                                                                                                               0.250
CLTV/HCLTV >95, FICO >=720                                                                                                                       1.500                     High Balance - LTV >80 & Loan Amount >$625,500                                                                                                                   0.250
CLTV/HCLTV >95, FICO <720                                                                                                                        1.500                     High Balance - Condos & PUDs with LTV >85<=90                                                                                                                    0.250
CLTV/HCLTV >90<=95, FICO >=720                                                                                                                   0.750
CLTV/HCLTV >90<=95, FICO <720                                                                                                                    1.000                     State Adjustments
CLTV/HCLTV >75<=90, FICO >=720                                                                                                                   0.750                     IA                                                                                                                                                               0.000
CLTV/HCLTV >75<=90, FICO <720                                                                                                                    1.000                     KS, NE                                                                                                                                                          (0.125)
Risk-Based Adjustments                                                                                                                                                                                                                      Lender-Paid Mortgage Insurance 25yr & 30yr (Radian)
                                                                                           Credit Score                                                                                                                                 LTV                 MI Coverage                FICO 760+              FICO 700-759              FICO 680-699
                  No FICO                       620                       640                  660                            680                      700                       720                                               90.01-95                        30                     1.95                      2.40                      2.90
  LTV%            or <620                       639                       659                  679                            699                      719                       739                     >= 740                    85.01-90                        25                     1.25                      1.40                      1.80
  <= 60             N/A                        0.500                     0.500                0.000                          0.000                   (0.250)                   (0.250)                   (0.250)                   80.01-85                        12                     0.85                      0.85                      1.10
 60.01-70           N/A                        1.500                     1.250                1.000                          0.500                    0.500                     0.000                     0.000                             Lender-Paid Mortgage Insurance 15yr & 20yr (Radian)
 70.01-75           N/A                        3.000                     2.500                2.000                          1.250                    0.750                     0.250                     0.000                         LTV                 MI Coverage                FICO 760+              FICO 700-759              FICO 680-699
 75.01-80           N/A                        3.000                     3.000                2.500                          1.750                    1.000                     0.500                     0.250                    90.01-95                        25                     0.95                      1.68                      2.14
 80.01-85           N/A                        3.250                     3.250                2.750                          1.500                    1.000                     0.500                     0.250                    85.01-90                        12                     0.70                      0.70                      0.85
 85.01-90           N/A                        3.250                     2.750                2.250                          1.250                    1.000                     0.500                     0.250                    80.01-85                         6                     0.70                      0.70                      0.70
 90.01-95           N/A                        3.250                     2.750                2.250                          1.250                    1.000                     0.500                     0.250                          Lender-Paid Mortgage Insurance Adjustments
 95.01-97           N/A                        5.000                     4.250                3.750                          3.000                    3.000                     2.500                     2.500                Rate-and-Term Refinance*                             0.40
   >97              N/A                         N/A                       N/A                  N/A                            N/A                      N/A                       N/A                       N/A                 Cash Out                                             0.80
Use the above matrix for all programs excluding My Community and Home Possible programs.                                                                                                                                       Second Home                                                                                                    0.60
Risk-Based Adjustments do not apply to loans with amortization terms <=180 months, if both LTV<=95 & FICO >=620                                                                                                                Loan Amounts > $417,000 & FICO <760                                                                            1.25
Expanded Approval Programs (in addition to the risk-based adjustments above)                                                                                                                                                   Loan Amounts > $417,000 & FICO >=760                                                                           0.40
                                      Credit Score                                                                                                                                                                             Loan Term =25yr (min. single rate is .70)                                                                     (0.55)
         No FICO      620       640        660        680       700       720                                                                                                                                                  *Waived for credit scores >=720

  LTV%    or <620     639       659        679        699       719       739                                                                                                                            >= 740                                                         Radian Split MI - 1 point
   <95      N/A      0.750     0.750      0.500      0.500     0.250     0.250                                                                                                                            0.000                Max Broker Compensation
95.01-97    N/A      1.250     1.250      1.000      1.000     0.750     0.750                                                                                                                            0.500                Conventional Loans
Cash Out                                                                                                                                                                                                                       Loan amounts <=$500,000: lesser of 4.5% or $10,000
                                      Credit Score                                                                                                                                                                             Loan amounts >$500,000: lesser of 4.5% or $20,000
         No FICO      620       640        660        680       700       720                                                                                                                                                  Government Loans
  LTV%    or <620     639       659        679        699       719       739                                                                                                                            >= 740                Loan amounts <=$250,000: lesser of 4% or $10,000
  <= 60     N/A      0.250     0.250      0.250      0.000     0.000     0.000                                                                                                                            0.000                Loan amounts >$250,000<$500,000: lesser of 3.5% or $10,000
60.01-75    N/A      1.250     1.250      0.750      0.750     0.625     0.625                                                                                                                            0.250                Loan amounts >$500,000: lesser of 3% or $20,000
75.01-80    N/A      2.750     2.250      1.500      1.375     0.750     0.750                                                                                                                            0.500                Origination Fee Max
80.01-85    N/A      3.000     3.000      2.500      2.500     1.500     1.500                                                                                                                            0.625                1% VA
 LTV >85    N/A       N/A       N/A        N/A        N/A       N/A       N/A                                                                                                                              N/A                 1% FHA 203(k)
                 This information is for the use of approved mortgage lenders only and is not intended for distribution to consumers. This is not an advertisement to extend customer credit as defined by part 226.2 of Regulation Z. Interest rate, program terms and conditions are subject to change without notice. Not all products are available in all
                                                               states and for all loan amounts. Other restrictions and limitations may apply. Granting of loan is subject to the credit and policy requirements of Plaza Home Mortgage, Inc. ISAOA, 5090 Shoreham Place, Suite 206 San Diego, CA 92122
PLAZA HOME MORTGAGE, INC.                                                                                                   Page 2 of 4
Denver Wholesale
7535 E. Hampden Ave, Suite 109                     Minimum Loan Amount is $70,000
Denver, CO 80231                                   Loan must be Approved in order to lock for 15 days
Phone: 303-597-0440
Fax: 303-597-0446
Toll free: 800-957-7644                                                                                                 6/22/2011 6:49 AM
                              CONFORMING RATES - see adjustments on Page 1. (Net YSP to broker not to exceed 3.50)
                     30 Year Fixed                  30 Year Fixed High Balance                30 Year Fixed                  5/1 ARM
        CF300BD21      2-1 Temporary Buydown                 CF300HB                             CF3010                      CA512L
   Start       Rate     15 Day B/D Cost      Net     Rate     15 Day    30 Day         Rate      15 Day     30 Day  Rate      15 Day    30 Day
  2.750        4.750    (2.945)    2.125   (0.820)   5.000    (3.633)   (3.458)       4.875      (3.851)    (3.676) 4.000     (3.173)   (2.998)
  2.625        4.625    (1.997)    2.125   0.128     4.875    (3.101)   (2.926)       4.750      (2.945)    (2.770) 3.875     (2.977)   (2.802)
  2.500        4.500    (1.607)    2.125   0.518     4.750    (2.195)   (2.020)       4.625      (1.997)    (1.822) 3.750     (2.752)   (2.577)
  2.375        4.375    (0.873)    2.125   1.252     4.625    (1.247)   (1.072)       4.500      (1.607)    (1.432) 3.625     (2.766)   (2.591)
  2.250        4.250     0.274     2.000   2.274     4.500    (0.857)   (0.682)                                     3.500     (2.526)   (2.351)
                                                     4.375    (0.123)    0.052                                      3.375     (2.189)   (2.014)
                                                     4.250     1.024     1.199                                      3.250     (1.886)   (1.711)
                                                                                                                    3.125     (1.550)   (1.375)
                                                                                                                    3.000     (1.031)   (0.856)




                 GOVERNMENT RATES - FHA & VA (Max Net YSP to broker not to exceed 4.00 for Gov Fixed and 2.50 for Gov ARMs)
          30 Year Fixed               15 Year Fixed               30 Year Fixed           30 Year Fixed (203k Streamline) FHA30KSD
             FHA300                      FHA150              FHA300HB/FHA300HBS              FHA30KS & FHA30KSD           (First Draw by Plaza)
   Rate      15 Day     30 Day   Rate    15 Day     30 Day  Rate     15 Day     30 Day      Rate     15 Day      30 Day is available only to
  4.750      (4.965)    (4.790) 4.250    (3.934)    (3.759) 4.750    (4.465)    (4.290)    4.750     (3.715)     (3.540) brokers who have
                                                                                                                          completed Plaza's
  4.625      (2.994)    (2.819) 4.125    (2.934)    (2.759) 4.625    (2.494)    (2.319)    4.625     (1.744)     (1.569) 203K training.
  4.500      (3.154)    (2.979) 4.000    (3.347)    (3.172) 4.500    (2.654)    (2.479)    4.500     (1.657)     (1.482) Contact your AE for
  4.375      (2.145)    (1.970) 3.875    (2.659)    (2.484) 4.375    (1.645)    (1.470)    4.375     (0.895)     (0.720) details on becoming
  4.250      (1.937)    (1.762) 3.750    (2.347)    (2.172) 4.250    (1.437)    (1.262)    4.250     (0.487)     (0.312) approved for this
                                3.625     3.060     3.235                                                                 program!
                                3.500     2.997     3.172                                                                 FHA 203(K):
                                                                                                                                                                                                                                                                                                        Supplemental
                                                                                                                                                                                                                                                                                                        Origination Fee =
                                                                                                                                                                                                                                                                                                        Greater of $350 or 1.50%
                                                                                                                                                                                                                                                                                                        of the total cost of
          30 Year Fixed                                                               5 Year ARM                                                                                                                                                                                                        renovations.
             VA300                                                                      FHA51T                                                                    30 Year Fixed                                                      30 Year Fixed
   Rate      15 Day     30 Day                                      Rate                 15 Day                       30 Day                                       USDARH30                                                   VA30IRRRLA / VA30IRRL10 FHA ID# 1710100133
  4.750      (4.715)    (4.540)                                    4.000                 (3.103)                      (2.928)                     Rate               15 Day     30 Day                                        *Program Requires an AVM*
  4.625      (2.744)    (2.569)                                    3.875                 (2.757)                      (2.582)                     4.875              (4.625)    (4.450)                                         Rate    15 Day     30 Day VA ID# 9065310801
  4.500      (2.904)    (2.729)                                    3.750                 (2.392)                      (2.217)                     4.750              (4.215)    (4.040)                                        4.750    (4.535)    (4.360)
  4.375      (1.895)    (1.720)                                    3.625                 (1.713)                      (1.538)                     4.625              (2.244)    (2.069)                                        4.625    (2.688)    (2.513)
  4.250      (1.687)    (1.512)                                    3.500                 (1.490)                      (1.315)                     4.500              (2.157)    (1.982)                                        4.500    (2.767)    (2.592)
                                                                   3.375                 (1.107)                      (0.932)                     4.375              (1.395)    (1.220)                                        4.375    (1.780)    (1.605)
                                                                                                                                                  4.250              (0.987)    (0.812)                                        4.250    (1.485)    (1.310)
                                                                                                                                                  4.125               2.314     2.489
        30 Year Fixed                                                    30 Year Fixed                                                            4.000               1.954     2.129
  VA300IRRRL / VA30IRRL11                                                VAJ30IRRRL                                                               3.875               3.252     3.427                                     Manufactured Homes are not allowed
 Appraisal Req for VA300IRRRL                                          Appraisal Required
  Rate      15 Day    30 Day                                        Rate    15 Day     30 Day
 5.500      (6.437)   (6.262)                                      5.000    (3.480)    (3.305)
 5.375      (3.750)   (3.575)                                      4.875    (2.499)    (2.324)                                              NOTE: For standard FHA with case numbers prior to 10/4/10, scores between 620-639 have a 2.50 price adjustment
 5.250      (3.750)   (3.575)                                      4.750    (2.136)    (1.961)                                              Min FICO of 640 required for standard FHA, 620 for VA
 5.125      (3.750)   (3.575)                                      4.625     0.035     0.210                                                Min FICO of 720 required for VA Jumbo
 5.000      (5.601)   (5.426)                                      4.500    (0.276)    (0.101)                                              Use FHA High Balance for base loan amounts >417,000
 4.875      (3.750)   (3.575)                                      4.375     0.835     1.010                                                Min FICO of 660 required for streamline FHA
 4.750      (3.750)   (3.575)                                                                                                               Min FICO of 640 required for VA IRRRL
 30Yr Fixed - FHA Streamline                                              15 Year Fixed                                                         15Yr Fixed - FHA Streamline                                                                                                        30 Year Fixed (Plaza serviced)
           FHA30S                                                   VA150IRRRL / VA15IRRL11                                                               FHA15S                                                                                                                                          RFHA30
  Rate      15 Day    30 Day                                       Appraisal Req for VA150IRRRL                                                  Rate      15 Day    30 Day                                                                                                         Rate                  15 Day                      30 Day
 4.750      (4.723)   (4.548)                                       Rate                     15 Day                   30 Day                    5.000      (4.800)   (4.625)                                                                                                       4.750                  (4.803)                     (4.628)
 4.625      (2.876)   (2.701)                                      5.000                     (4.310)                  (4.135)                   4.500      (4.394)   (4.219)                                                                                                       4.625                  (2.653)                     (2.478)
 4.500      (2.954)   (2.779)                                      4.500                     (4.141)                  (3.966)                   4.000      (2.550)   (2.375)                                                                                                       4.500                  (2.755)                     (2.580)
 4.375      (1.968)   (1.793)                                      4.000                     (2.574)                  (2.399)                   3.500      3.668     3.843                                                                                                         4.375                  (1.866)                     (1.691)
 4.250      (1.673)   (1.498)                                                                                                                                                                                                                                                      4.250                  (1.434)                     (1.259)


VA loan amount >417,000 (Full Doc)                                                       1.000                    >= $125,000                                                                                                                       Base                      State Adjustments
                                                                                                                  $100,000 - $124,999                                                                                                               0.125                     NE                                                      (0.125)
25 Year FHA & VA                                                                         0.125                    $75,000 - $99,999                                                                                                                 0.250
20 Year FHA & VA                                                                         0.500                    $50,000 - $74,999                                                                                                                 0.375                                           Adjustments
FHA 203k High Balance (use FHA30KS base)                                                 1.000                    $25,000 - $49,999                                                                                                                 0.750
VA Streamline: FICO 640-659                                                              1.125                    FHA/VA Full Doc & USDA: FICO 620-659                                                                                              0.500
VA Streamline: FICO 660-699                                                              0.125                    FHA Full Doc: FICO 600-619                                                                                                        1.000
                                                                                                                  FHA Full Doc: FICO 580-599                                                                                                        1.500
                                                                                                                  FICO >=720 (Full Doc and FHA Streamline)                                                                                          (0.250)

NOTE: For properties located in CO and KS refer to program guidelines when using VA300IRRRL, VAJ30IRRRL, VA30IRRL11, VAJ30IRL11
Conforming High Balance ARMs (use Agency adjustments from page 1. Max YSP is 2.50 after adjustments.)
            Rate       15 Day     30 Day                            Rate     15 Day    30 Day
CA51LHB     4.375      (2.690)    (2.515)             CA71LHB      4.500     (2.686)   (2.511)
5/1 ARM     4.250      (2.350)    (2.175)             7/1 ARM      4.375     (2.365)   (2.190)
            4.125      (2.133)    (1.958)                          4.250     (2.007)   (1.832)
2.25 Margin 4.000      (1.873)    (1.698)             2.25 Margin  4.125     (1.762)   (1.587)
            3.875      (1.677)    (1.502)                          4.000     (1.470)   (1.295)
High        3.750      (1.452)    (1.277)             High         3.875     (1.312)   (1.137)
Balance     3.625      (1.466)    (1.291)             Balance      3.750     (1.050)   (0.875)
            3.500      (1.226)    (1.051)                          3.625     (0.469)   (0.294)
            3.375      (0.889)    (0.714)                          3.500     0.036     0.211
            This information is for the use of approved mortgage lenders only and is not intended for distribution to consumers. This is not an advertisement to extend customer credit as defined by part 226.2 of Regulation Z. Interest rate, program terms and conditions are subject to change without notice. Not all products are available in all
                                                          states and for all loan amounts. Other restrictions and limitations may apply. Granting of loan is subject to the credit and policy requirements of Plaza Home Mortgage, Inc. ISAOA, 5090 Shoreham Place, Suite 206 San Diego, CA 92122
PLAZA HOME MORTGAGE, INC.                                                                                                                                                                                                                                                                                     Page 3 of 4
Denver Wholesale                                                 Minimum Loan Amount is $70,000
7535 E. Hampden Ave, Suite 109
Denver, CO 80231
Phone: 303-597-0440
Fax: 303-597-0446              Toll free: 800-957-7644                                                                                                                                                                                                                                              6/22/2011 6:49 AM
                                                       CONFORMING FIXED RATES - DU Refi Plus
         30 Year Fixed          30 Year Fixed >105 LTV         20 Year Fixed                 15 Year Fixed                                                                                                                                                                                 30yr Fixed High Balance
          CF300DURP                RCF30DURPX                   CF200DURP                     CF150DURP                                                                                                                                                                                         CF300DURPH
  Rate      15 Day     30 Day     Rate        15 Day      Rate    15 Day     30 Day    Rate     15 Day     30 Day                                                                                                                                                                         Rate      15 Day    30 Day
  4.750     (2.594)    (2.419)   5.125        (3.706)    4.750    (3.031)    (2.856)  4.000     (2.032)    (1.857)                                                                                                                                                                        4.750     (1.844)   (1.669)
  4.625     (1.608)    (1.433)   5.000        (2.937)    4.625    (2.258)    (2.083)  3.875     (1.688)    (1.513)                                                                                                                                                                        4.625     (0.858)   (0.683)
  4.500     (1.189)    (1.014)   4.875        (2.090)    4.500    (1.864)    (1.689)  3.750     (1.105)    (0.930)                                                                                                                                                                        4.500     (0.439)   (0.264)
  4.375     (0.433)    (0.258)   4.750        (1.179)    4.375    (1.459)    (1.284)  3.625     (0.205)    (0.030)                                                                                                                                                                        4.375     0.317     0.492
  4.250      0.621     0.796     4.625        (0.268)    4.250    (0.703)    (0.528)  3.500      0.137     0.312                                                                                                                                                                          4.250     1.371     1.546
                                 4.500         0.643                                  3.375      0.505     0.680
                                 4.375         1.708                                  3.250      1.134     1.309
                                 4.250         2.856




                                                        Adjustments (Net YSP to broker not to exceed 3.50)
                          All adjustments apply to all conventional programs and are cumulative unless otherwise stated.
CO Impound waiver (<=80%) Adjustment for other states may vary.       0.250      Loan Amounts
                                                                                 Loan Amount <$140k                                                                                                                                                                                                                                          0.125
2 units                                                               1.000      Loan Amount <$100k                                                                                                                                                                                                                                          0.250
3-4 units                                                             1.500      Loan Amount <$75k                                                                                                                                                                                                                                           0.500
Condo LTV > 75% & Loan Term >15yrs                                    0.750      Subordinate Financing
                                                                                 CLTV/HCLTV >95, FICO >=720                                                                                                                                                                                                                                  1.500
                                                                                 CLTV/HCLTV >95, FICO <720                                                                                                                                                                                                                                   1.500
Investment LTV <= 75%                                                 1.750      CLTV/HCLTV >90<=95, FICO >=720                                                                                                                                                                                                                              0.250
Property:  LTV > 75% - 80%                                            1.750      CLTV/HCLTV >90<=95, FICO <720                                                                                                                                                                                                                               0.500
           LTV > 80%                                                  1.750      CLTV/HCLTV >75<=90, FICO >=720                                                                                                                                                                                                                              0.000
                                                                                 CLTV/HCLTV >75<=90, FICO <720                                                                                                                                                                                                                               0.250
Risk-Based Adjustments
                                                                                              Credit Score
                                                   620                       640                       660                       680                       700                       720
      LTV%             < 620                       639                       659                       679                       699                       719                       739                    >= 740
      <= 60              N/A                     0.750                     0.500                     0.000                     0.000                    (0.250)                  (0.250)                   (0.250)
     60.01-70            N/A                     1.500                     1.250                     1.000                     0.500                     0.500                     0.000                     0.000
     70.01-75            N/A                     1.750                     1.750                     1.500                     0.750                     0.500                     0.000                     0.000
     75.01-80            N/A                     1.750                     1.750                     1.750                     0.750                     0.500                     0.000                     0.000
     80.01-85            N/A                     1.750                     1.750                     1.750                     0.750                     0.500                     0.000                     0.000
     85.01-90            N/A                     1.750                     1.750                     1.750                     0.750                     0.500                     0.000                     0.000
     90.01-95            N/A                     1.750                     1.750                     1.750                     0.750                     0.500                     0.000                     0.000
     95.01-97            N/A                     1.750                     1.750                     1.750                     1.250                     1.000                     0.500                     0.500
    >97.01-125           N/A                     3.500                     2.500                     2.000                     1.750                     1.500                     1.000                     1.000
Risk-Based Adjustments do not apply to loans with amortization terms <=180 months.

                                                                                             CONFORMING FIXED RATES - LP Relief Refinance
                30 Year Fixed                                                                           15 Year Fixed                                                                                                                                            30yr Fixed High Balance
                 CF300LPRR                                                                               CF150LPRR                                                                                                                                                    CF300LPRRH
      Rate         15 Day     30 Day                                                              Rate     15 Day     30 Day                                                                                                                                    Rate      15 Day    30 Day
      5.125        (3.863)    (3.688)                                                             3.750    (0.396)    (0.221)                                                                                                                                   5.125     (2.363)   (2.188)
                                                                       Closing costs, financing
      5.000        (3.214)    (3.039)                                 costs (including discount   3.625     0.213     0.388                                                                                                                                     5.000     (1.714)   (1.539)
      4.875        (2.477)    (2.302)                                          costs) and         3.500     0.815     0.990                                                                                                                                     4.875     (0.977)   (0.802)
                                                                        prepaids/escrows, are
      4.750        (1.711)    (1.536)                                 limited to the lesser of 4% 3.375     1.560     1.735                                                                                                                                     4.750     (0.211)   (0.036)
      4.625        (1.034)    (0.859)                                    of the current unpaid    3.250     2.560     2.735                                                                                                                                     4.625     0.466     0.641
                                                                      balance of the mortgage
      4.500        (0.269)    (0.094)                                being refinanced or $5,000.
                                                                                                                                                                                                                                                                4.500     1.231     1.406
      4.375         0.693     0.868                                                                                                                                                                                                                             4.375     2.193     2.368
      4.250         1.716     1.891                                                                                                                                                                                                                             4.250     3.216     3.391


                                             Adjustments (Net YSP to broker not to exceed 3.50)
                       All adjustments apply to all conventional programs and are cumulative unless otherwise stated.
Loan Amounts                                                           Subordinate Financing
Loan Amount <$140k                       0.125                         CLTV/HCLTV >95, FICO >=720                                                                                                                                                                                                                                            1.500
Loan Amount <$100k                       0.250                         CLTV/HCLTV >95, FICO <720                                                                                                                                                                                                                                             1.500
Loan Amount <$75k                        0.500                         LTV >65<=75, CLTV/HCLTV >90<=95, FICO >=720                                                                                                                                                                                                                           0.250
No impounds                              0.250                         LTV >65<=75, CLTV/HCLTV >90<=95, FICO <720                                                                                                                                                                                                                            0.500
Condo LTV > 75% & Loan Term >15yrs       0.750                         LTV >75<=80, CLTV/HCLTV >75<=90, FICO >=720                                                                                                                                                                                                                           0.750
2 units                                  1.000                         LTV >75<=80, CLTV/HCLTV >75<=90, FICO <720                                                                                                                                                                                                                            1.000
3-4 units <=80 LTV                       1.000                         LTV >75<=80, CLTV/HCLTV >90<=95, FICO >=720                                                                                                                                                                                                                           0.750
3-4 units >80<=85 LTV                    1.500                         LTV >75<=80, CLTV/HCLTV >90<=95, FICO <720                                                                                                                                                                                                                            1.000
3-4 units >85 LTV                        2.000                         LTV >80<=90, CLTV/HCLTV >80<=95, FICO >=720                                                                                                                                                                                                                           0.750
Investment Property                      1.750                         LTV >80<=90, CLTV/HCLTV >80<=95, FICO <720                                                                                                                                                                                                                            1.000
LTV >95<=97                              0.500                         LTV >90, CLTV/HCLTV >90, FICO >=720                                                                                                                                                                                                                                   0.250
LTV >97                                  1.000                         LTV >90, CLTV/HCLTV >90, FICO <720                                                                                                                                                                                                                                    0.500
Risk-Based Adjustments
                                                                                              Credit Score
                                                   620                       640                       660                       680                       700                       720
      LTV%             < 620                       639                       659                       679                       699                       719                       739                    >= 740
      <= 60              N/A                     0.500                     0.500                     0.000                     0.000                    (0.250)                  (0.250)                   (0.250)
     60.01-70            N/A                     1.500                     1.250                     1.000                     0.500                     0.500                     0.000                     0.000
     70.01-75            N/A                     3.000                     2.750                     2.250                     1.250                     0.750                     0.250                     0.000
     75.01-80            N/A                     3.000                     3.000                     2.750                     1.750                     1.000                     0.500                     0.250
     80.01-85            N/A                     3.250                     3.250                     2.750                     1.500                     1.000                     0.500                     0.250
     85.01-90            N/A                     3.250                     2.750                     2.250                     1.250                     1.000                     0.500                     0.250
     90.01-95            N/A                     3.250                     2.750                     2.250                     1.250                     1.000                     0.500                     0.250
     95.01-97            N/A                     3.250                     2.750                     2.250                     1.250                     1.000                     0.500                     0.250
       >97               N/A                     3.250                     2.750                     2.250                     1.250                     1.000                     0.500                     0.250
.
                  This information is for the use of approved mortgage lenders only and is not intended for distribution to consumers. This is not an advertisement to extend customer credit as defined by part 226.2 of Regulation Z. Interest rate, program terms and conditions are subject to change without notice. Not all products are available in all
                                                                states and for all loan amounts. Other restrictions and limitations may apply. Granting of loan is subject to the credit and policy requirements of Plaza Home Mortgage, Inc. ISAOA, 5090 Shoreham Place, Suite 206 San Diego, CA 92122
PLAZA HOME MORTGAGE, INC.                                                                                                                                                                                                                                                                                    Page 4 of 4
Denver Wholesale                                                Minimum Loan Amount is $70,000
7535 E. Hampden Ave, Suite 109
Denver, CO 80231
Phone: 303-597-0440
Fax: 303-597-0446              Toll free: 800-957-7644                                                                                                                                                                                                                                             6/22/2011 6:49 AM
                                                     CONFORMING FIXED RATES - Home Path
         30 Year Fixed                       30 Year Fixed High Balance                     15 Year Fixed
          CF30HOME                                  CF30HOMEHB                               CF15HOME
  Rate      15 Day     30 Day                 Rate     15 Day    30 Day               Rate     15 Day     30 Day
  4.500     (1.145)    (0.970)                4.500     0.039     0.214               3.875    (1.376)    (1.201)
  4.375     (0.366)    (0.191)                4.375     0.775     0.950               3.750    (0.707)    (0.532)
  4.250      0.900     1.075                  4.250     1.843     2.018
  4.125      2.322     2.497                  4.125     4.089     4.264
  4.000      2.982     3.157                  4.000     4.761     4.936
  3.875      3.814     3.989                  3.875     5.533     5.708




                                                                           Adjustments (Net YSP to broker not to exceed 3.50)
                                                     All adjustments apply to all conventional programs and are cumulative unless otherwise stated.
CO Impound waiver (<=80% in CO)                                                                                                                  0.250                     Loan Amounts
                                                                                                                                                                           Loan Amount <$140k                                                                                                                                                 0.125
Condo LTV > 75% & Loan Term >15yrs                                                                                                               0.750                     Loan Amount <$100k                                                                                                                                                 0.250
Investment LTV <= 75%                                                                                                                            1.500                     Loan Amount <$75k                                                                                                                                                  0.500
Property:
            LTV > 75% - 80%                                                                                                                      2.000                     Subordinate Financing
                 LTV > 80%                                                                                                                       2.500                     LTV <65, CLTV/HCLTV >80<=95, FICO >=720                                                                                                                            0.250
                                                                                                                                                                           LTV <65, CLTV/HCLTV >80<=95, FICO <720                                                                                                                             0.500
LTV >80<=85                                                                                                                                      1.000                     LTV >65<=75, CLTV/HCLTV >90<=95, FICO >=720                                                                                                                        0.500
LTV >85<=90                                                                                                                                      1.750                     LTV >65<=75, CLTV/HCLTV >90<=95, FICO <720                                                                                                                         0.750
LTV >90<=95                                                                                                                                      2.500                     LTV >75<=90, CLTV/HCLTV >75<=90, FICO >=720                                                                                                                        0.750
LTV >95                                                                                                                                          3.625                     LTV >75<=90, CLTV/HCLTV >75<=90, FICO <720                                                                                                                         1.000
LTV >95 w/o subordinate financing                                                                                                                0.500                     LTV >75<=95, CLTV/HCLTV >90<=95, FICO >=720                                                                                                                        0.750
LTV <=95, CLTV >95                                                                                                                               1.500                     LTV >75<=95, CLTV/HCLTV >90<=95, FICO <720                                                                                                                         1.000


Risk-Based Adjustments
                                                                                           Credit Score
                                                620                       640                  660                            680                      700                       720
  LTV%               < 620                      639                       659                  679                            699                      719                       739                     >= 740
  <= 60               N/A                      0.500                     0.500                0.000                          0.000                   (0.250)                   (0.250)                   (0.250)
 60.01-70             N/A                      1.500                     1.250                1.000                          0.500                    0.500                     0.000                     0.000
 70.01-75             N/A                      3.000                     2.500                2.000                          1.250                    0.750                     0.250                     0.000
 75.01-80             N/A                      3.000                     3.000                2.500                          1.750                    1.000                     0.500                     0.250
 80.01-85             N/A                      3.250                     3.250                2.750                          1.500                    1.000                     0.500                     0.250
 85.01-90             N/A                      3.250                     2.750                2.250                          1.250                    1.000                     0.500                     0.250
 90.01-95             N/A                      3.250                     2.750                2.250                          1.250                    1.000                     0.500                     0.250
 95.01-97             N/A                       N/A                       N/A                 1.750                          1.000                    1.000                     0.500                     0.250
Risk-Based Adjustments do not apply to loans with amortization terms <=180 months.

The Wave Jumbo ARMs
             Rate     15 Day   30 Day                                                                                                                  Rate                    15 Day                    30 Day                                                                          Rate                    15 Day                    30 Day
W36         4.125     (0.752)  (0.577)                                                                                 W56                             4.125                   (1.073)                   (0.898)                                         W76                             4.375                   (1.038)                   (0.863)
            4.000     (0.627)  (0.452)                                                                                                                 4.000                   (0.948)                   (0.773)                                                                         4.250                   (0.850)                   (0.675)
3/6 ARM     3.875     (0.502)  (0.327)                                                                                 5/6 ARM                         3.875                   (0.760)                   (0.585)                                         7/6 ARM                         4.125                   (0.585)                   (0.410)
            3.750     (0.377)  (0.202)                                                                                                                 3.750                   (0.494)                   (0.319)                                                                         4.000                   (0.194)                   (0.019)
2.25 margin 3.625     (0.252)  (0.077)                                                                                 2.25 margin                     3.625                   (0.135)                   0.040                                           2.25 margin                     3.875                   0.212                     0.387
2/1/6 caps  3.500     (0.127)  0.048                                                                                   5/1/5 caps                      3.500                   0.240                     0.415                                           5/1/5 caps                      3.750                   0.619                     0.794
            3.375     (0.002)  0.173                                                                                                                   3.375                   0.584                     0.759                                                                           3.625                   1.056                     1.231
            3.250     0.217    0.392                                                                                                                   3.250                   0.959                     1.134                                                                           3.500                   1.509                     1.684
            3.125     0.451    0.626                                                                                                                   3.125                   1.365                     1.540                                                                           3.375                   1.994                     2.169
            3.000     0.701    0.876                                                                                                                   3.000                   1.787                     1.962
            2.875     0.967    1.142
Price Adjustments                                                                             Adjustments
Loan Amount >1,000,000<=1,500,000                                                                                                                     0.250                DTI >40<=45                                                                                                                                                     0.250
Loan Amount >1,500,000<=2,000,000                                                                                                                     0.625                LTV <=60                                                                                                                                                        (0.250)
Cashout/Debt Consolidation                                                                                                                            0.500                LTV >75<=80                                                                                                                                                     0.375
2 Units                                                                                                                                               0.500                Site Condo                                                                                                                                                      0.500
3-4 Units                                                                                                                                             1.000
                                                                                                                                                                           Escrow Waiver (allowed up to 80% LTV, 89.99% LTV in CA)                                                                                                         0.250

Fixed Jumbo
                      Rate                    15 Day                    30 Day                                               Rate                    15 Day                    30 Day                LTV                              <= 60%                60.01 - 65%               65.01 - 70%               70.01 - 75%               75.01 - 80%
FJ30                  5.625                   (1.457)                   (1.282)               FJ15                           5.250                   (1.490)                   (1.315)               <= $1.0M                         0.000                     0.000                     0.000                     0.000                     0.375
                      5.500                   (1.332)                   (1.157)                                              5.125                   (1.365)                   (1.190)               > $1.0M to $1.5M                 0.000                     0.125                     0.250                     0.250                     0.625
30 Fixed              5.375                   (1.207)                   (1.032)               15 Fixed                       5.000                   (1.240)                   (1.065)               > $1.5M to $2.0M                 0.250                     0.375                     0.625                     0.625                     1.000
                      5.250                   (1.004)                   (0.829)                                              4.875                   (1.115)                   (0.940)               C/O Refinance                    0.000                     0.250                     0.375                     0.375                     0.500
                      5.125                   (0.676)                   (0.501)                                              4.750                   (0.928)                   (0.753)               2 unit                           0.500                     0.500                     0.500                     0.500                     0.500
                      5.000                   (0.270)                   (0.095)                                              4.625                   (0.678)                   (0.503)               3 & 4 units                      1.000                     1.000                     1.000                     1.000                     1.000
                      4.875                   0.152                     0.327                                                4.500                   (0.334)                   (0.159)               Site Condo                       0.500                     0.500                     0.500                     0.500                     0.500
                      4.750                   0.668                     0.843                                                4.375                   0.041                     0.216                 No Escrow                        0.250                     0.250                     0.250                     0.250                     0.250
                      4.625                   1.246                     1.421                                                4.250                   0.463                     0.638
                      4.500                   1.887                     2.062                                                4.125                   0.947                     1.122                 Max YSP - Loan Amounts < $1,000,000                                                  (1.000)
                      4.375                   2.590                     2.765                                                4.000                   1.479                     1.654                 Max YSP - Loan Amounts $1,000,000-1,500,000                                          (0.750)
                      4.250                   3.371                     3.546                                                3.875                   2.057                     2.232                 Max YSP - Loan Amounts >$1,500,000-2,000,000                                         (0.500)


PLAZA HOME MORTGAGE MORTGAGEE CLAUSE                                                                                                                                       All prelocks require an electronic submission within 5 business days, with the
PLAZA HOME MORTGAGE INC.                                                                                                                                                   full loan package to be delivered to Plaza within 10 calendar days or the lock will
ISAOA                                                                                                                                                                      be automatically canceled If the day falls on a weekend or holiday, it will be
5090 SHOREHAM PLACE #206                                                                                                                                                   canceled on the next business day.
SAN DIEGO, CA 92122-5935
                 This information is for the use of approved mortgage lenders only and is not intended for distribution to consumers. This is not an advertisement to extend customer credit as defined by part 226.2 of Regulation Z. Interest rate, program terms and conditions are subject to change without notice. Not all products are available in all
                                                               states and for all loan amounts. Other restrictions and limitations may apply. Granting of loan is subject to the credit and policy requirements of Plaza Home Mortgage, Inc. ISAOA, 5090 Shoreham Place, Suite 206 San Diego, CA 92122

				
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