UNITRUST MORTGAGE, INC.                                                                    1-858-404-7300 ext. 129

WHOLESALE PRIVATE MONEY RATE SHEET

1st TD                                    SFR                                           MONTHLY PAYMENTS = INTEREST ONLY
0/0 = 20 YR LOAN               N/0/0 = 2 YR LOAN

LTV / CLTV
RATE
2 YR PP
1.5 YR PP
1 YR PP
6 MOS PP
NO PP
< 70%
11.375%
2.250
2.500
2.750
3.000
3.250
< 65%
10.875%
2.000
2.250
2.500
2.750
3.000
< 60%
10.625%
2.000
2.250
2.500
2.750
3.000
< 55%
10.375%
2.000
2.250
2.500
2.750
3.000
< 50%
10.125%
2.000
2.250
2.500
2.750
3.000

Points indicated are discount points to Unitrust Mortgage and DO NOT include loan origination fees to broker.
If owner occupied Section 32 or AB 489, may limit points charged, call for additional information.
If in default:
      No Cash Out: Max LTV/ CLTV= 65%
      Cash Out: Max LTV /CLTV = 60%
Minimum discount to Unitrust Mortgage = 3 points.
2nd TDs: 1st to 2nd TD loan amount ratio not to exceed 3 to 1.

ADD
RATE
POINTS
  
N/0/0
0%
0.0
 LENDER FEES
EASY QUAL
0%
0.0
      Loan Processing* $ 650
CASH OUT > $100,000
0.500%
0.250
      Document Prep $ 375
LOAN AMOUNT < $100,000
0.500%
0.500
      Underwriting $ 500
IN BK
0.500%
0.250
      Review Appraisal & Site Inspection** $ 250
NOTICE OF DEFAULT
0.500%
0.250
      Wire Transfer $ 40
NOTICE OF SALE
0.750%
0.500
      In House Escrow (if appl) $ 250
CONDO
0.250%
0.250
      Holdback Fee (if appl): $250
2ND TD < 50% CLTV
0.750%
0.250
       
2ND TD > 50% CLTV
1.000%
0.250
       
RURAL PROPERTIES
1.000%
0.500
    * Waived if complete package is delivered
   ** Outside SD County add $175
LOT
1.500%
0.750
LAND > 2 ACRES
1.750%
1.000
COMMERCIAL / .4 UNITS
1.000%
0.500
CORPORATE - NO GUARANTY
1.000%
0.500
CROSS COLLATERAL
0.750%
0.375
LTV / CLTV EXCEPTION
0.500%

0.500
RATE BUY UP / BUY DOWN
2 to 1 ratio (Fee to Rate)
 Maximum buy up = 1% in rate
LINE OF CREDIT
1.50%

1.000

 Maximum initial LOC draw = 80% of line amount
          

Lot Loan Guidelines (1st TD only):
     Max LTV / CLTV = 60%
     If in default: max LTV / CLTV = 50% & no cash-out
     Comparables sales to establish value must be similar in size and located in the
     immediate vicinity of the subject.
Rural Property Guidelines (1st TD only for raw acerage):
     Max LTV / CLTV = 60% with a house, 40% for raw acreage
      If in default: max LTV / CLTV= 55% & no cash-out for properties with a house, 35%
     for raw acreage. Comparables sales to establish value must be similar in size and
     located in the immediate vicinity of the subject.

  

IF YOUR LOAN IS OUTSIDE OF
OUR GUIDELINES, CALL US
TO DISCUSS OPTIONS!!!
   

Ilan Awerbuch (ext. 121)
iawerbuch@unitrustmortgage.com

Alex Scherer (ext. 129)
ascherer@unitrustmortgage.com

  

1-858-404-7300 ext. 129
phone: (858) 404-7300
 fax: (858) 404-7323
www.unitrustmortgage.com
Disclaimer: Rates subject to change. For mortgage professional only.
Real Estate Broker-CA Dept. of Real Estate- License #01230107 		 
11230 Sorrento Valley Road, Suite 215, San Diego, CA 92121