IMPORTANT - racmtg.com

1 EST15 day30 day45 day60 day15 day30 day45 day60 day$55,000 - $50,001 **Reduce by $55,001 - $75,000 Reduce by $75,001 - $100,000 Reduce by $100,001 and upNo Homes *Reduce Price by $ VA LoansReduce Price by and upImprove by to 719No to 679 Reduce by price by to 639 Reduce by *Reduce by *Reduce by 203K w/ FICO < 640 NOT Score/1 ScoreReduce by < $100,000 NOT 203H **Reduce price by & AboveImprove by 203H w/ FICO < 580 NOT ALLOWED640 to 680No AdjustmentHigh Balance Reduce Price by to 639 Reduce by to 619 Reduce by OnlyReduce by to 599 Reduce by to 579 *Reduce by to 559 *Reduce by < 660 & HPMLR educe by Score/1 Score Reduce by day30 day45 day60 day15 day30 day45 day60 day<=60% >= 740 - 739 719 699 679 659 639 <=60% >= 740 N/A N/A N/A - 739 N/A N/A N/A 719 N/A N/A N/A 699 N/A N/A N/A 679 N/A N/A N/A 659 N/A N/A N/A 639 N/A N/A N/A <=70% $ N/A N/A OccupancyO/O, 2nd Home, & N/A N/A $55,000 - $50,001 Exception Only-Reduce by N/A N/A N/A N/A $55,001 and aboveNo $30,000 or less **Reduce by $75001 to $100,000 Reduce by $30,001 to $45,000 **Reduce by $100,001 to $150,000 Reduce by $45,001 to $55.

2 000 **Reduce by $150,001 to $200,000 Reduce by $55,001 to $75,000 Reduce by $200,001 or more Reduce by Longext 105 Lyoniel Ajodhiaext 120 Mike Napoliext 113 Velma Cochranext 112 Duane Porterext 115 Tina Muccioext AMRepair Escrow(add only for repairs > $2,500)USDA/FHA/VA LOAN ADJUSTERSFHA/VA - 20, 15, 10 Year FixedCondo > 15 year USDA/FHA/VA - 30, 25 Year FixedFriday Aug 23, 2019** Purchases and Non-Pilot/Streamline RefisUSDA CREDIT SCORE ADJUSTMENTS - 581 MIN**By Prequal ONLY. Call your AE for of the repair cost or $350 whichever is greaterVA MISC ADJUSTERSFHA MISC ADJUSTERSFHA/VA CREDIT SCORE ADJUSTMENTSIMPORTANT: Rate Sheet Pricing DOES NOT include Lender Paid Compensation!CONVENTIONAL ADJUSTMENTSC redit ScorePer Loan Admin Fee** APPROVAL: RAC UW 's SOLE DISCRETION** $55,000 and less are by exception onlyReduce Price by $ days15 days7 days10/06/191 OnlineLock Extension FeesUSDA REPAIR ESCROW & MISC FEESFHA 203K **Escrow Admin Fee(for any loan that req's escrow)$ Available60 Days09/06/19 General Lock Desk Info09/21/19 RAC may from time to time, during normal business hours, close the Lock Desk due to market volatility.

3 Lock Desk openings and closures will NOT be announced. Please note that a Lock Desk closure does not necessarily represent an RAC rate sheet price improvement or decline. Any initial lock requests, relocks or extensions sent via email or called in during these Lock Desk closures will not be honored and thus cancelled. All initial lock requests MUST be requested via WebLender. All relocks and extensions MUST be requested via email at 620 Conventional 20 15 10 Year FixedContacts and DisclaimerCash-Out Refinance Fannie Mae Adjustments This rate sheet is not an indication of eligibility. Refer to FHA/USDA/FNMA/VA guidelines and RAC product adjustments are cumulative. Pricing subject to change without notice. MAX USDA RATE:LOCK DESK EXTENSION FEES AND INFORMATIONRAC's Pricing SheetIMPORTANT: ALL RE-LOCKS are subject to an Extension Fee (listed below).Loans re-locked will be subject to worse case pricing PLUS the Extension RELATED FEESLOAN SIZE ADJUSTERSBuy-Out Fees for all Loan Programs FICO / LTV Fannie Mae Adjustments > 15 years Conventional - 30, 25 Year Fixed2 unit Property Per Loan Admin FeeInvestment Property Product Features Fannie Mae Adjustments Refi > 90% LTV3-4 Unit Property ** $55,000 and less are by exception onlyAccount ExecutivesManufactured Home Lock Expiration Dates ** All Lock expirations falling on weekends or holidays expire the Friday Lock QuestionsLock Policy** only Purchases are Refis, 2-4 units, REO, and Manufactured Homes are NOT ELIGIBLE --- Email the LockDesk after you request your lock to buy-out the Admin Fee - --- NOTICE REGARDING LOCK DESK CLOSUREW eblender