Pricing Adjustment Calculator, 4/19/2024; 5:06:59 PM
Calculator Instructions and General Disclaimer
Please use this calculator to forecast the price adjustments for your loan.
Please input all fields and submit this form to view the adjustments applicable to your loan.
Use digits only when inputting numbers. Do not use commas, dollar or percentage signs.
Select your interest rate last as the list of rates will auto-populate based on other selections.
When you go to lock the loan, the pricing will be based on the loan characteristics of the specific file.
A 21-day lock is only available on loans eligible for an appraisal waiver and have the waiver exercised or where an appraisal is required and completed (cannot be marked subject to completion). These actions can be done through the Order Appraisal link in the Loan Actions Menu.
Loan Characteristics
Program Code
Conf 10
Conf 30
Conf 20
Conf 15
Conf 25 Yr
Conf 5/6 SOFR ARM (2/1/5)
Conf 7/6 SOFR ARM (5/1/5)
Super/Conf 30
Super/Conf 15
Conf 5/6 SOFR ARM Super Conf (2/1/5)
Conf 7/6 SOFR ARM Super Conf (5/1/5)
Second 10 Yr
Second 20 Yr
Conf 30 Home Possible
Conf HP Adv 30
Conf 30 HomeReady
Jumbo 30 Year
Doc Type
Full Doc
Property State
AL
AR
AZ
CA
CO
CT
DE
FL
GA
HI
ID
IL
IN
KS
KY
LA
MA
MD
ME
MI
MN
MO
MT
NC
NH
NJ
NM
NV
NY
OH
OK
OR
PA
RI
SC
TN
TX
UT
VA
WA
WI
Property County
Fairfield
Hartford
Litchfield
Middlesex
New Haven
New London
Tolland
Windham
Interest Rate
5.750%
5.875%
6.000%
6.125%
6.250%
6.375%
6.500%
6.625%
6.750%
6.875%
7.000%
7.125%
7.250%
7.375%
7.500%
7.625%
Mandatory
Yes
No
Loan Amount
Units
1
2
3
4
Purpose
Purchase
Rate & Term Refinance
Cash Out Refinance
Occupancy
Owner Occupied
Investment Property
Second Home
LTV
CLTV
Impounds
Full
Partial
None
Period
21
30
45
60
Appraisal Waiver
Yes - LPA ACE
Yes - DU PIW
No
Self-Employment or Rental Income Used
Yes
No
Total DTI Ratio
55%
54%
53%
52%
51%
50%
49%
48%
47%
46%
45%
44%
43%
42%
41%
40%
39%
38%
37%
36%
35%
34%
33%
32%
31%
30%
29%
28%
27%
26%
25%
24%
23%
22%
21%
20%
19%
18%
17%
16%
15%
14%
13%
12%
11%
10%
9%
8%
7%
6%
5%
4%
3%
2%
1%
Manufactured Home
No
Multi-Wide
Single-Wide
Property Type
Single-Family Detached
Condominium
Single-Family Attached
PUD-Attached
PUD-Detached
2-4 family
Loan FICO
800 and more
799
798
797
796
795
794
793
792
791
790
789
788
787
786
785
784
783
782
781
780
779
778
777
776
775
774
773
772
771
770
769
768
767
766
765
764
763
762
761
760
759
758
757
756
755
754
753
752
751
750
749
748
747
746
745
744
743
742
741
740
739
738
737
736
735
734
733
732
731
730
729
728
727
726
725
724
723
722
721
720
719
718
717
716
715
714
713
712
711
710
709
708
707
706
705
704
703
702
701
700
699
698
697
696
695
694
693
692
691
690
689
688
687
686
685
684
683
682
681
680
679
678
677
676
675
674
673
672
671
670
669
668
667
666
665
664
663
662
661
660
659
658
657
656
655
654
653
652
651
650
649
648
647
646
645
644
643
642
641
640
639
638
637
636
635
634
633
632
631
630
629
628
627
626
625
624
623
622
621
620
619
618
617
616
615
614
613
612
611
610
609
608
607
606
605
604
603
602
601
600
599
598
597
596
595
594
593
592
591
590
589
588
587
586
585
584
583
582
581
580
579
578
577
576
575
574
573
572
571
570
569
568
567
566
565
564
563
562
561
560
559
558
557
556
555
554
553
552
551
550
549
548
547
546
545
544
543
542
541
540
539
538
537
536
535
534
533
532
531
530
529
528
527
526
525
524
523
522
521
520
519 and less
Broker Compensation
Paid By
Borrower
Lender
Broker Compensation Level
%
Maximum Broker Compensation