Website: Posted Prices Do Not Include Lender Paid Compensation Prices Are Subject to Change without Notice

15 day 30 day 45 day 60 day Underwriting Fee Flood Insurance Tax Service E-Doc Fee

Christian Willford Sr. Account Executive

Cell 503-481-8082

New Purchases Fax 503-210-6412

New Refinances Purchase Resubs

Refi Resubs Sarah Morrow VP Wholesale

Documents Cell 503-341-4957

Fax 503-345-6424

Portland Metro Loan Coordinators

Vancouver Office 888-697-3860 Central OR Fax 503-645-4267 OR Coast Gorge (OR/WA) Bellevue/Tacoma WSJ Prime Rate 1yr Tbill 1yr LIBOR Phone Email Archive Rates Freedom Program Hours 9:00am-4:30pm FHA ID 1569700009 VA ID 245600-00-00

USA Direct Funding ISAOA 4500 SW Kruse Way Ste 330 Lake Oswego, OR 97035

Account Executives & Management

Posted Prices Do Not Include Lender Paid Compensation

Prices Are Subject to Change without Notice

Website:

https://www.usadirectfunding.com

6/17/2021 13:04

Date:

7/16/2021 7/31/2021 8/15/2021 Fees 3.250% 0.150% 2.5-3+ Weeks 2.5-3+ Weeks 3-4 Weeks 5-7 Weeks 4-6 Weeks Access Ratesheets Log On Now Appraisal Turn Times

Underwriting Turn Times 24 hours 24 hours Working on 06/15 Working on 06/15 80.00 $ 24 - 48 hours 0.930% Lock Desk 888-697-3860 3-4+ Weeks Index Values Toll Free: 888-697-3860

Email Christian Willford

503-697-3863 Lake Oswego, Oregon 97035 4500 SW Kruse Way, Suite 330

USA Direct Funding

Email Sarah Morrow

Email Loan Coordinators

Mortgagee Clause

Direct Mail

Rate 20 Day 30 Day 45 Day 60 Day Rate 20 Day 30 Day 45 Day 60 Day Rate 20 Day 30 Day 45 Day 60 Day 4.125 (5.000) (4.975) (4.975) (4.975) 4.125 (4.929) (4.843) (4.850) (4.843) 3.250 (3.822) (3.709) (3.729) (3.709) 4.000 (4.734) (4.623) (4.623) (4.623) 4.000 (4.728) (4.643) (4.650) (4.643) 3.125 (3.411) (3.295) (3.312) (3.295) 3.990 (4.257) (4.100) (4.174) (4.100) 3.990 (4.615) (4.429) (4.529) (4.429) 3.000 (2.958) (2.814) (2.894) (2.814) 3.875 (4.346) (4.233) (4.233) (4.233) 3.875 (4.322) (4.236) (4.243) (4.236) 2.990 (2.372) (2.543) (2.372) 3.750 (3.933) (3.817) (3.817) (3.817) 3.750 (3.902) (3.812) (3.816) (3.812) 2.875 (2.611) (2.428) (2.547) (2.428) 3.625 (4.024) (3.739) (3.902) (3.739) 3.625 (3.928) (3.481) (3.687) (3.481) 2.750 (2.246) (2.063) (2.180) (2.063) 3.500 (3.564) (3.280) (3.444) (3.280) 3.500 (3.618) (3.182) (3.377) (3.182) 2.625 (1.750) (1.567) (1.682) (1.567) 3.375 (3.064) (2.778) (2.940) (2.778) 3.375 (3.223) (2.781) (2.982) (2.781) 2.500 (1.188) (1.007) (1.119) (1.007) 3.374 (3.111) (2.825) (2.988) (2.825) 3.250 (2.660) (2.213) (2.419) (2.213) 2.375 (0.655) (0.422) (0.591) (0.422) 3.250 (2.544) (2.258) (2.418) (2.258) 3.125 (2.322) (1.913) (2.092) (1.913) 2.250 (0.195) 0.039 (0.129) 0.039 3.249 (2.553) (2.267) (2.426) (2.267) 3.000 (1.968) (1.547) (1.728) (1.547) 2.125 0.367 0.598 0.433 0.598 3.125 (1.993) (1.702) (1.874) (1.702) 2.990 (1.996) (1.549) (1.755) (1.549) 2.000 0.986 1.213 1.050 1.213 3.124 (2.048) (1.756) (1.927) (1.756) 2.875 (1.501) (1.090) (1.268) (1.090) 1.875 1.902 2.140 2.087 2.140 3.000 (1.444) (1.152) (1.324) (1.152) 2.750 (0.837) (0.438) (0.615) (0.438) 1.750 2.578 2.862 2.763 2.862 2.999 (1.525) (1.232) (1.403) (1.232) 2.625 (0.047) 0.317 0.142 0.317 2.990 (1.478) (1.185) (1.356) (1.185) 2.500 0.361 0.762 0.570 0.762 2.875 (0.867) (0.575) (0.745) (0.575) 2.375 0.928 1.329 1.137 1.329 2.874 (0.894) (0.601) (0.772) (0.601) 2.250 1.688 2.090 1.897 2.090 2.750 (0.187) 0.103 (0.064) 0.103 2.625 0.991 2.500 1.919

Rate 20 Day 30 Day 45 Day 60 Day Rate 20 Day 30 Day 45 Day 60 Day 4.125 (3.838) (3.795) (3.794) (3.795) 3.625 (2.963) (3.026) (2.963) 4.000 (3.491) (3.447) (3.447) (3.447) 3.500 (3.153) (3.292) (3.153) 3.875 (3.076) (3.034) (3.032) (3.034) 3.375 (2.961) (3.099) (2.961) 3.750 (2.679) (2.636) (2.632) (2.636) 3.250 (2.720) (2.859) (2.720) 3.625 (3.184) (2.904) (3.030) (2.904) 3.125 (2.406) (2.545) (2.406) 3.500 (2.861) (2.610) (2.736) (2.610) 3.000 (2.304) (2.304) (2.304) 3.375 (2.431) (2.180) (2.306) (2.180) 2.875 (1.965) (1.965) (1.965) 3.250 (1.867) (1.616) (1.742) (1.616) 2.750 (1.588) (1.711) (1.588) 3.125 (1.193) (0.914) (1.040) (0.914) 2.625 (1.193) (1.362) (1.193) 3.000 (0.863) (0.612) (0.738) (0.612) 2.500 (0.783) (0.953) (0.783) 2.875 (0.355) (0.104) (0.230) (0.104) 2.750 0.293 0.544 0.418 0.544

Program Not Available Program Not Available Program Not Available Margin: 2.25% CAPS: 2/2/5

5/1 LIBOR (5/1-CL-HB)

20yr Fixed

10/1 LIBOR (10/1-CL-HB)

7/1 LIBOR (7/1-CL-HB)

7/1 LIBOR (7/1-CL)

Program Not Available Program Not Available

15yr Fixed

Program Not Available

Conventional Fixed Rate, High Balance & ARM Products

30yr Fixed

15F-HB, 15F-HB-LPMI

15yr Fixed High Balance

30F-HB, 30F-HB-LPMI

30yr Fixed High Balance

Margin: 2.25% CAPS: 5/2/5

10/1 LIBOR (10/1-CL)

3/1 LIBOR (3/1-CL)

5/1 LIBOR (5/1-CL)

Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day 3.750 (3.685) (3.567) (3.567) (3.567) 3.500 (3.416) (3.357) (3.412) (3.357) 3.750 (4.287) (4.192) (4.127) (4.192) 3.625 (3.256) (3.101) (3.112) (3.101) 3.375 (3.163) (3.109) (3.160) (3.109) 3.625 (4.027) (3.983) (3.930) (3.983) 3.500 (2.979) (2.775) (2.830) (2.775) 3.250 (2.896) (2.847) (2.893) (2.847) 3.500 (3.624) (3.581) (3.527) (3.581) 3.375 (2.677) (2.478) (2.528) (2.478) 3.125 (2.755) (2.633) (2.673) (2.633) 3.375 (3.229) (3.186) (3.132) (3.186) 3.250 (2.728) (2.420) (2.479) (2.420) 3.000 (2.488) (2.371) (2.407) (2.371) 3.250 (2.736) (2.692) (2.638) (2.692) 3.125 (2.319) (1.856) (2.070) (1.856) 2.875 (2.205) (2.093) (2.124) (2.093) 3.125 (2.069) (1.777) (1.913) (1.777) 3.000 (1.897) (1.434) (1.648) (1.434) 2.750 (1.906) (1.800) (1.826) (1.800) 3.000 (1.831) (1.540) (1.675) (1.540) 2.990 (1.861) (1.398) (1.612) (1.398) 2.625 (1.037) (0.858) (0.880) (0.858) 2.875 (1.519) (1.227) (1.363) (1.227) 2.875 (1.463) (1.134) (1.269) (1.134) 2.500 (0.736) (0.562) (0.578) (0.562) 2.750 (0.913) (0.622) (0.757) (0.622) 2.750 (1.085) (0.638) (0.850) (0.638) 2.625 (0.539) (0.266) (0.413) (0.266) 2.625 (0.651) (0.204) (0.416) (0.204) 2.500 (0.063) 0.210 0.063 0.210 2.500 (0.204) 0.241 0.031 0.241 2.375 0.537 0.810 0.663 0.810 2.375 0.255 0.702 0.490 0.702 2.250 1.070 1.343 1.196 1.343 2.250 0.727 1.169 0.962 1.169

Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day Rate 15 Day 30 Day 45 Day 60 Day

3.750 (3.135) (2.556) (2.963) (2.556) 3.750 (3.822) (3.697) (3.754) (3.004) 4.125 (5.000) (5.000) (5.000) (5.000) 3.625 (2.751) (2.492) (2.578) (2.492) 3.625 (2.363) (2.435) (2.361) (2.755) 4.000 (5.000) (5.000) (5.000) (5.000) 3.500 (2.354) (2.651) (2.233) (2.651) 3.500 (3.063) (3.004) (3.059) (2.492) 3.875 (4.824) (4.730) (4.665) (4.730) 3.375 (2.061) (2.372) (2.012) (2.372) 3.375 (2.809) (2.755) (2.806) (2.278) 3.750 (4.287) (4.192) (4.127) (4.192) 3.250 (2.085) (2.090) (2.036) (2.090) 3.250 (2.541) (2.492) (2.538) (2.015) 3.625 (4.027) (3.983) (3.930) (3.983) 3.125 (1.527) (1.328) (1.262) (1.328) 3.125 (2.399) (2.278) (2.318) (1.737) 3.500 (3.624) (3.581) (3.527) (3.581) 3.000 (1.105) (1.017) (0.840) (1.017) 3.000 (2.132) (2.015) (2.051) (1.443) 3.375 (3.229) (3.186) (3.132) (3.186) 2.875 (0.931) (0.685) (0.716) (0.685) 2.875 (1.848) (1.737) (1.768) (0.501) 3.250 (2.736) (2.692) (2.638) (2.692) 2.750 (0.578) (0.337) (0.363) (0.337) 2.750 (1.548) (1.443) (1.468) (0.204) 3.125 (2.069) (1.777) (1.913) (1.777) 2.625 (0.680) (0.501) (0.523) 3.000 (1.831) (1.540) (1.675) (1.540) 2.500 (0.378) (0.204) (0.220) 2.875 (1.519) (1.227) (1.363) (1.227) 2.750 (0.913) (0.622) (0.757) (0.622)

30yr FHA/VA High Balance

15yr VA

30 USDA Streamline

30FHA-HB, 30VA-HB, 30VA-HB-IRRRL 15VA 30-USDA-ST

Government Fixed Rate, High Balance & ARM Products

30yr FHA/VA

15yr FHA

30 USDA

30FHA, 30VA, 30FHA-ST, 30VA-IRRRL 15FHA 30-USDA

5yr VA ARM

5/1 FHA 7/1 FHA 5/1 VA

Programs Not Available

5yr FHA ARM

7yr FHA ARM

**Multiple Adjusters can Apply

***Please verifiy pricing on the Freedom Program

High Balance Loan Amts - Cash Out 1.000 FICO <= 60% 60.01 - 70% 70.01 - 75% 75.01 - 80% 80.01 - 85% 85.01 - 90% 90.01 - 95% 95.01 - 97% >97.00% High Balance Loan Amts - Excluding C/O 0.250 >= 740 0.000 0.250 0.250 0.500 0.250 0.250 0.250 0.750 0.750 High Balance Loan Amts ARM <= 75% 0.750 720 - 739 0.000 0.250 0.500 0.750 0.500 0.500 0.500 1.000 1.000 High Balance Loan Amts ARM > 75% 1.500 700 - 719 0.000 0.500 1.000 1.250 1.000 1.000 1.000 1.500 1.500 Loan Amount >= $100,000 - $149,999 0.150 680 - 699 0.000 0.500 1.250 1.750 1.500 1.250 1.250 1.500 1.500 Loan Amount $75,000 - $99,999 0.250 660 - 679 0.000 1.000 2.250 2.750 2.750 2.250 2.250 2.250 2.250 Loan Amount $50,000 - $74,999 0.500 640 - 659 0.500 1.250 2.750 3.000 3.250 2.750 2.750 2.750 2.750 Loan Amount < $50,000 1.500 620 - 639 0.500 1.500 3.000 3.000 3.250 3.250 3.250 3.500 3.500 LTV 620-639 640-659 660-679 680-699 700-739 >=740 <=60% 0.625 0.625 0.625 0.375 0.375 0.375 60.01-70 1.625 1.625 1.125 1.125 1.000 0.625 70.01-75 1.625 1.625 1.125 1.125 1.000 0.625 75.01 - 80 3.125 2.625 1.875 1.750 1.125 0.875 FICO Subordinate Financing Fico < 720 Fico >= 720

All LTV/CLTV (cumulative w/ below) 0.375 0.375 LTV<=65% and CLTV 80.01 - 95% 0.500 0.250 LTV 65.01 - 75% and CLTV 80.01 - 95% 0.750 0.500 LTV > 75% and CLTV 76.01 - 95% 1.000 0.750

CLTV > 95% 1.500 1.500

Product Feature LLPA Caps SFC LTV > 80 Fico ≥ 680 0.00 900

All Other LTV 1.50 900

FHA* VA* USDA 0.000

(0.625) (0.125) (0.125) 0.000 (0.500) 0.000 0.000 0.000 (0.375) 0.000 0.000 1.000 0.000 0.250 0.250 1.000 1.000 1.500 2.250 1.500 2.500

FHA & VA USDA 1.500

1.500 1.500

0.750 0.750

0.250 0.250

0.000 0.000

0.000 0.000

**Manufactured Homes are not allowed for VA IRRL or Refinance**

Government/USDA State Adjustments

Manufactured Home 1.000

Conventional Fixed Rate, High Balance & ARM Product Adjustments

Government Price Adjusters

3.375 Non-Owner with LTV >80% - 85% 4.125 Condo LTV > 75 and > 15 Yr 0.750 2-4 Units 1.000 Conventional Refinance 0.500 DTI>50% Manufactured FICO ADJUSTERS 620 - 639 640 - 659 660 - 679 680 - 699 700 - 719 $100,000 to $149,999 $75,000 to $99,999 > = $200,000 >= 720

LOAN AMOUNT ADJUSTERS

$55,000 to $74,999 $0 to $54,999

15Y >510,400

*FHA & VA FICO >= 720 ADJUSTERS NOT APPLIED TO HIGH BAL

PRICE ADJUSTMENTS FOR FNMA CONFORMING, HIGH BALANCE, AND LPMI PROGRAMS

FICO / LTV ADJUSTERS > 15Yr Loan Amount

LTV

Cash Out Second & Non-Owner

FICO Non-Owner with LTV <=75% 2.125

Non-Owner with LTV >75% - 80% FHA STRM ADJUSTERS VA 15 YR VA IRRL Home Ready Additional Adjustments Property Type

Second Home & Non-Owner 0.500