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1 Effective Date: August 15th, 2022 FICO/LTV/CLTV ELIGIBILITY MATRIXRESTRICTIONSD ocumentation TypeFICOP urchaseRate/TermCashoutLoan Amount LimitsMin. FICOP urchaseRT/Cash OutFull Documentation700+908080> 2,500,0006807065(1 or 2 Year Tax Returns)680 - 699858080> 2,000,0006807065(1 or 2 year 1099's)660 - 679807575> 1,500,0006208075 Alternative Documentation640 - 659757070<= 1,500,0006008580(12 or 24 Month Bank Statements)620 - 63975707012 Month Income6208580(12 or 24 Month Profit and Loss w/ Bank Stmts.)600 - 6197065602nd Home / Investments6208075(Asset Utilization)580 - 599N/AN/AN/APRODUCT OVERLAYSPRODUCT TYPESM inimum loan Amount$100,000 Program NameOverlayI/O PeriodAmortizationMaturityMaximum loan Amount$3,000,000(EC15) 15 YEAR FIXED EXCELERATE--15 Year15 YearCash Out Limit$1,000,000(EC30) 30 YEAR FIXED EXCELERATE--30 Year30 YearCash Out Amount Limit - LTV <= 75%Unlimited(EC30) 30 YEAR FIXED EXCELERATE I/O-10 Year20 Year30 YearAsset Utilization80% LTV/CLTV(EC40) 40 YEAR FIXED EXCELERATE85% LTV-40 Year40 YearCondo85% LTV/CLTV(EC40) 40 YEAR FIXED EXCELERATE I/O-10 Year30 Year40 YearNon-Warrantable Condo80% LTV/CLTV(EC5/6) 30 YEAR 5/6 ARM EXCELERATE--30 Year30 YearCondo in Florida (C/O)70% LTV/CLTV(EC5/6)

2 30 YEAR 5/6 ARM EXCELERATE I/O-10 Year20 Year30 Year2-4 Units85% LTV/CLTV(EC5/6) 40 YEAR 5/6 ARM EXCELERATE I/O-10 Year30 Year40 YearRural75% LTV/CLTVI nterest Only - Minimum FICO640 PRODUCT NOTES & REQUIREMENTSS ubordinationInstitutional OnlyOccupancy Primary Residence 2nd Home InvestmentsDebt-to-Income Limit50%Property Types SFR 2-4 Units Condo (FNMA Warrantable) Non-Warrantable Condo Rural CondotelReserves3 MonthsIneligible Property Types Agricultural Mixed-use Co-opReserves ( loan Amount > $1,500,000)6 MonthsCondotel Max 75% LTV Purchase & 65% RT/Cash Out Refinance. Occupancy: Primary, 2nd, InvestmentReserves ( loan Amount > $2,500,000)9 MonthsAcreage Requirements Maximum 10 AcresAppraisal Requirements 1 Appraisal + CDA <= $2,000,000 - Unless CU score < 2 Appraisals > $2,000,000 Collateral Condition Requirements Appraisal must reflect C4 or better (C5 or C6 ineligible)MORTGAGE HISTORY0x90x12 Reserves Cash out may be used for reservesSeasoning/HistoryPurchaseRT/Cash OutReserves (Rate/Term) Reserves are waived, if.

3 0x30x12 10% P&I savings Owner Occ1x30x1285%80%Impounds Escrows are required on HPML loans HPML not applicable to Investments0x60x1280%75%Forbearance Payments must be documented by canceled checks or bank statements Paid as agreed (Current)0x90x1270%N/ANon-Arms Length Transactions Primary Residence Max LTV 80%CREDIT EVENT (FC, BK, SS)1+ YearFirst Time Investor Max LTV 80% 0x30x12 Seasoning/HistoryPurchaseRT/Cash OutLimited Tradelines Max 75% LTVNo Credit Event85%80%Wage Earner FICO Full Doc, Bank Statement, 1099 Income Borrower must be spouse(s) or legal partnerCredit Event 3+ Years85%80%Gift Funds (Primary / 2nd home) No borrower contribution or max LTV of 80%Credit Event 2+ Years80%75%Gift Funds (Investment) 10% borrorwer contribution required Max LTV of 80%Credit Event 1+ Years70%N/ANo Housing History Max LTV of 80%FORBEARANCE ( loan mod, Deferral)3+ MonthsSeasoning/HistoryPurchaseRT/Cash OutForbearance 3+ Months80%70%Forbearance 6+ Months85%75%ExcelerateEasy DocumentationMaximum LTVNot intended for public distribution.

4 Information provided herein is intended for mortgage professionals Mortgage Corporation, LLC., dba Excelerate Capital NMLS #61382. Effective Date: August 15th, 2022 FICO/LTV/CLTV ELIGIBILITY MATRIXLTV RESTRICTIONSD ocumentation TypeFICOP urchaseRate/TermCashoutLoan Amount LimitsPurchase/RateTermCash OutWritten Verification of Employment660+757570> 2,500,0007060 Profit and Loss Only (P&L Express)660+757570> 2,000,0006560> 1,500,0007065 PRODUCT TYPES2nd Home / Investments7570 Program NameI/O PeriodAmortizationMaturity(EC15) 15 YEAR FIXED EXCELERATE-15 Year15 YearPRODUCT OVERLAYS(EC30) 30 YEAR FIXED EXCELERATE-30 Year30 YearMinimum loan Amount$100,000(EC30) 30 YEAR FIXED EXCELERATE I/O10 Year20 Year30 YearMaximum loan Amount$2,000,000(EC40) 40 YEAR FIXED EXCELERATE-40 Year40 YearCash Out Limit$1,000,000(EC40)

5 40 YEAR FIXED EXCELERATE I/O10 Year30 Year40 YearCash Out Amount Limit - LTV <= 65%Unlimited(EC5/6) 30 YEAR 5/6 ARM EXCELERATE-30 Year30 YearCondo75% LTV/CLTV(EC5/6) 30 YEAR 5/6 ARM EXCELERATE I/O10 Year20 Year30 YearNon-Warrantable Condo75% LTV/CLTV(EC5/6) 40 YEAR 5/6 ARM EXCELERATE I/O10 Year30 Year40 YearCondo in Florida (C/O)70% LTV/CLTV2-4 Units75% LTV/CLTVPRODUCT NOTES & REQUIREMENTSS ubordinationInstitutional OnlyOccupancy Primary Residence 2nd Home Investments Debt-to-Income Limit50%Property Types SFR 2-4 Units Condo (FNMA Warrantable) Non-Warrantable Condo CondotelReserves6 MonthsIneligible Property Types Agricultural Mixed-use Co-op Rural Reserves ( loan Amount > $1,500,000)9 MonthsCondotel Max 75% LTV Purchase & 65% RT/Cash Out Refinance.

6 Occupancy: Primary, 2nd, InvestmentReserves Reduced by 3 MonthsLTV <= 70%Acreage Requirements Maximum 10 AcresCredit Event (FC, BK, SS)3+ YearAppraisal Requirements 1 Appraisal + CDA <= $2,000,000 - Unless CU score < 2 Appraisals > $2,000,000 Mortage History1x30x12 Collateral Condition Requirements Appraisal must reflect C4 or better (C5 or C6 ineligible)Reserves Cash out may be used for reservesCREDIT REQUIREMENTSR eserves (Rate/Term) Reserves are waived, if: 0x30x12 10% P&I savings Owner Occ Max DTI 50%Seasoning/HistoryPurchase/RTCash OutImpounds Escrows are required on HPML loans HPML not applicable to Investments1x30x1270%65%WVOE FNMA Form 1005 Attestation to the VOE must be signed by employer and notarizedProfit and Loss Only P&L must be prepared by (CTEC, CPA, or EA)Non-Arms Length Transactions Primary ResidenceLimited Tradelines Not AllowedGift Funds (Primary / 2nd home) No borrorwer contribution or max LTV of 80%Gift Funds (Investment) 10% borrower contribution required Max LTV of 80% Excelerate ExpressEasy DocumentationNot intended for public distribution.

7 Information provided herein is intended for mortgage professionals Mortgage Corporation, LLC., dba Excelerate Capital NMLS #61382.