$Description: Description: Description: Description: Description: Description: X:\giant-rgbHalfGold.jpg$ $Description: Description: Description: Description: Description: Description: X:\MortgageRates_files\REALTORUniversity.jpg$ REALTOR FAMILY Designations & Certifications

http://www.crs.com/ http://www.edesignations.com/
$Description: Description: Description: Description: Description: Description: X:\MortgageRates_files\b_ani015.gif$ Mortgage News! Real Estate News! Current Real Estate Market Chart

CFPB's "2013 HOEPA Rule"

Section 32, Points and Fees Threshold: The Section 32, Points and Fees Threshold has been lowered to 5% of Loan Amount (Principal dwelling only)

Section 32, APR Thresholds: The APR Thresholds have been lowered to:

• Greater than 6.5% above APOR for comparable transactions for the first lien loans;

• Greater than 8.5% if dwelling is personal property and the loan amount is less than $50,000

• Credit life or similar insurance payable at or before closing if the lender is the beneficiary.

• Special Rule for HELOC’s: To calculate “points and fees” for HELOCS under Regulation Z,participation fees payable at or before account opening, if any and

fees charged to consumers to draw on their credit line at least once, must be included.

There are three main prohibitions in the LO Comp Rule:

• Loan originators cannot receive compensation that is based on the terms or conditions of the loan, other than loan amount.

• Loan originators cannot receive compensation from both a consumer and any other source, which includes the lender.

• Loan originators may not direct (or “steer”) a consumer to accept a loan that is not in the consumer’s interest in order to

increase the loan originator’s compensation.

VA Lender ID: 907659-00-00 (Lenders: UWM, Quicken Mortgage)

Qualified Mortgage (QM), Points and Fees Thresholds: CFPB imposes a “Points and Fees” CAP on Qualified Mortgage Transactions as

outlined in the following table:

Note Amount Point and Fee Threshold

≥ $100,000 3% of Total Loan Amount

$60,000 ~ $99,999 $3000

$20,000 ~ $59,999 5% of Total Loan Amount

Cupertino Office: 12124 Saratoga Sunnyvale Rd , Saratoga, CA 95070 TEL: 408-988-0888;

Fremont Office: 39510 Paseo Padre Parkway, #160, Fremont, CA 94538 TEL: 510- 624-9047;

HUD HOME broker ID GNTRLT4349

Home Affordable Refinance Program

Home Validation Link

Fannie Mae Address Validation eDelivery Consent Form

Freddie Mac Address Validation

LOAN SUBMISSION FORM CreditCardAuthorization 1003 Form 4506T

2016 Fannie Mae Loan Limit

*****************************************************************************************

1003 LOAN APPLICATION FORM (pdf) GiftLetter

Conforming Loan Limits: $548,250 (1-unit); $702,000 (2-unit); $848,500 (3-unit); $1,054,500 (4-unit)

High Balance Limits: $822,375 (1-unit); $1,053,000 (2-unit); $1,272,750(3-unit); $1,581,750 (4-unit)

Santa Clara County School Code #

International Credit Report: 877-288-3191 http://www.intlreporting.com

Title Company One Rate Schedule

FirstAmericanTitle OldRepublicTitle FidelityNationalTitle ChicagoTitle

============================================================

Mortgage Insurance Quote

RADIAN MGIC

============================================================

FAX COVER PAGE

Saratoga Office FaxCover(GiantRealtyInc)

Fremont Office FaxCover(GiantRealtyInc)

CLOSING COST, WHO PAYS WHAT

Buyer Closing Cost- Worksheet (Excel file) Buyer Qualification Worksheet(Excel file)

Real Estate Forms

Walk_through ListingDoc

============================================================

County Property Tax (Secured Tax)

South Bay
Santa Clara County	Monterey County
East Bay/ Central Valley
Alameda County	Contra Costa County	San Joaquin County
Peninsula / North Bay
San Mateo County	San Francisco County	Marine County	NAPA County	Sonoma County
Southern California
Santa Barbara County	Orange County	Los Angeles County

============================================================

WHO PAY WHAT? (online access)
Customary Closing Cost In Northern California Seller's Net Proceed Calculation

============================================================

LEGAL Disclosures and Videos

Useful Documents- LEGAL QUIZ, DISCLOSURES

Referral Fee Rules / Guidelines Loan Questionnaire LegalQuiz

DISCLOSURE CHARTS 2019
2019 REO-Disc-Chart 2019RE_Sales_Disc 2019 New Home Disc 2019 Lease Rental Disc 2019 SummaryDiscChart Condo_Disc_QA

Video

Dual Agency and Sq Ft Case Study 2017 RPA & other forms Class 2017 All About Disclosures Probate Sale/Listing

===========================================================

UTILITIES

   AlamedaCountyUtility      SantaClaraCountyUtility      SanMateoCountyUtility

============================================================

3rd Party Disclosure Firms (natural hazard reports): JCP Reports, FirstAM NHD , HomeGuard NHD

USEFUL 3rd PARTY VENDORS (appraiser, contractors, lawyers, staging firms, cleaning, moving ...etc)

HouseMaster Pricing

============================================================

Landlord/Tenant:   Rent Control Chart    Lead Disclosure    Useful Forms/Letters
Fremont Union High School District Boundary Map:    Lynbrook   MontaVista   Cupertino-High     Fremont-High

(Note: Please Call School Districts to verify the availability of student registration and accuracy of school district.)

Residential
LENDERS
(Min. Period)
(Broker Code)

Monday

Tuesday

Wed

Thursday

Friday

               Lender   Summary
Conforming Fixed: Freedom,  Flagstar,  UWM, Cole Taylor, Interbank
Conforming ARM: GreenTree, Quicken, Flagstar, CMG, Freedom, Interbank
HB Fixed:   Quicken, Freedom, Union, Interbank

HB ARM:   Green Tree, Quicken, Interbank, Freedom, Union

Jumbo Fixed:           CMG,   Parkside , Cole Taylor

Jumbo ARM:           CMG,   Everbank, Flagstar,   NYCB, Cole Taylor

1% + $600 EPO 6 Month payments    RATE SHEET
Monday

Tuesday

Wed

Thursday

Friday
Shawn Karami 1-818-483-1691 / shawnk@altloan.com
• JUMBO PRIME • NEAR PRIME • ALT-A • NON-PRIME • INVESTOR RENTAL (Cash Flow) •
INVESTOR RENTIAL (No Ratio) • FOREIGN NATIONAL • ITIN & Other Niches   RATE SHEET

EPO 6 Month 1.25%
NON-QM
Monday

Tuesday

Wed

Thursday

Friday
John Macedo Cell : 408-888-0031 John.Macedo@angeloakms.com
QUICK QUOTE   NON-QM

   1.3750% (max$20,000)
    EPO 6 Months
Agency, NON-QM
Monday

Tuesday

Wed

Thursday

Friday
Tim Kwong Tim.Kwong@amwestfunding.com
408-607-9965
Lock Desk 714-831-3299   Lockdesk@amwestfunding.com
File Status Matthew Blum 714-831-3558 matthew.blum@amwestfunding.com

Broker ID 10584
EPO 6 Months 1.000%
min $2500 - Max $20,000
Monday

Tuesday

Wed

Thursday

Friday
Andrea Kuretzky Tel: 602-691-4060 andrea.kuretzky@caliberhomeloans.com
H2Online Support 1-888-426-7026, option 4   H2OnlineSupport@CaliberHomeLoans.com

EPO 6 months 1.25%
NON-QM
Monday

Tuesday

Wed

Thursday

Friday
Vincent Bury Cell: 949-280-1800 Vincentb@citadelservicing.com   NON-PRIME
1-Month Bank Statement, Self-employed up to $5M, FICO >= 650, Owner-Occupied Only, No Reserve
12-month Bank Statement, OO FICO > 600, NOO, 2nd Home FICO > 500, Self-employed and 1099 borrower only, NO P&L, No 4506t
Foreigner Loan
    ODF    1-MONTH BANK STATEMENT   12-MONTH Bank Statement

   EPO 6 Months
ID#: 40328
1.125% ($2000~$15000)
Monday

Tuesday

Wed

Thursday

Friday
AE   Stacie Cappadona STACIE.CAPPADONA@ditech.com 408-835-1431
Loan Status
Steve Adams     steven.adams@ditech.com 877-700-4622 x 4656
Loan REG, Pricing 866-396-4622 or NT_Requests@ditech.com
Product Matrices/Guidelines may now be accessed on our home page
For Ditech Training visit: businesslending -ditech.webex.com

EPO 6 month   1.15% + $500
(min $2000-max $19,000) LIVE RATE
Monday

Tuesday

Wed

Thursday

Friday
AE WIlliam Chu 415-722-8093   wchu@financeofamerica.com
Coordinator Echo Fajarito efajarito@financeofamerica.com
Fuji Jumbo OPT EAD Card

Broker ID: 49763
EPO: 6 months + 7 Days
Giant Realty LEI # 549300NFFI48KW679H06
MERS# 1000525
Flagstar Banbk WAREHOUSE MERS 1008498

Monday

Tuesday

Wed

Thursday

Friday

Ann Heinz    Ann.Heinz@flagstar.com

CELL: 707-299-8218   Freddie Mac Service Number 916903

866.945.9872 Customer Support (WLSC)
CondoCert   CashFlowWorkSheet     RentalIncomeWorksheet
UP TO 10 FINANCED PROPERTIES; UNPERMITTED STRUCTURE; FLIPPING PROPERTIES; LPMI
FLAGSTAR_SELLER_GUIDE    FLAGSTAR_UNDERWRITING JUMBO_Guideline     PIW fee $75
West.Advocate@flagstar.com John Storm 1-866-945-9872 x 3
Any Emergency Issue EXCEPT (Lock or Underwriting)

Purchase Advice flagstarwarehouselending@flagstar.com   Final Doc-DoT, Title Policy    finaldocuments@flagstar.com.

Flagstar Loans Send To:

Flagstar Bank, FSB

5151 Corporate Drive, Troy, MI 48098

Mailstop: W-800-1

Other Investor Loans Send To:

Flagstar Bank, FSB

301 W. Michigan Avenue, Jackson, MI 49201

Attn: Note Department, Warehouse Lending, Mailstop: 4-314

1.375%   EPO 6 months
Monday

Tuesday

Wed

Thursday

Friday

Cynthia Terry     (925) 580-2802      (866) 861-3500

cynthia.terry@freedommortgage.com
Customer Service/Jr Underwriting team :

phxcsrteam@freedommortgage.com (855) 336-4672

* Status, Turn times, Conditions,Uploading files/documents, Freedom Wholesale website issues,Streetlink/AMC issues,     AE/JR/Funder/ETC

Lock Desk phxlockdesk@freedommortgage.com or call (855) 336 - 4555

Technical Website Support (800) 871-6467
How to do Business with Freedom Mortgage!!

Submission Form - New!! Doc Request Requirements - New!!

Closing Doc Request Form Lock Policy     GOOD ARM PROGRAMS

$Description: Description: Description: Description: Description: Description: X:\fremont_logo.jpg$
LIVE RATE

    1.25% Rebate
EPO: 6 months Funding-2-funding

Monday

Tuesday

Wed

Thursday

Friday

Ken Owens Cell: (408) 390-7579; Fax: (510) 512-1860

Ken.Owens@fremontbank.com

www.fremontbank.com/wholesale GUIDELINES FORMS NON-OCCUPANT CO-BORROWER; 4 FINANCED PROPERTY GOOD FOR NOO GOLD JUMBO program: RSU •May only be used as qualifying Incomei f the income has been consistent ly received for 2 years and is identified on the paystubs, W-2s and tax returns as income and the vesting schedule indicates the income will continue for a minimum of three (3)years at a similar level as pri or 2 years. •A two year average of prior incomereceivedfrom RSUs or stock options should be used to calculate the income, wi th the continuancebased on the vesting schedule using a stock price based on the 52 week low for the most recent 12 months report ing at the time of closing. The income used for qualifying must be supported by future vesting based on the stock price used for qualifying and vesti ng schedule •Additional awards must be similar to the qualifying income and awarded on a consistent basis. •Borrower must be currently employed by the employer issuing the RSUs/stock options in order for the RSUs/stock options to be considered In qualifying income. •Vested restr icted stock unitsand stock opt i ons cannot be used for reserves i f using for income to qualify



1.25% Rebate

(min $1500-max$20,000)

Monday

Tuesday

Wed

Thursday

Friday

CSR: Dustin Senkbeil

Team9@homewardfunding.com 508-948-6506 or 866-211-5969

Lending Support Help Desk (Reset Password; Mortgagebot issues)

Lendingsupport@homewardfunding.com

Broker Lock Desk: (extensions; rate questions)

ratelock@homewardfunding.com (508) 471-1097

Closing and Funding:    closer@homewardfunding.com

* High Balance we are offering a .75 incentive (not on rate sheet - will reflect in scenario pricer).

     NOTE: CA has a .15 hit for escrowed loans - but we are giving a special in CA for .15 to offset that. For NON-ESCROWED loans, its only .20! So with the .15 incentive - thats only a .05 hit to waive escrows!

* HARP to 150% both fannie & freddie; higher if Ocwen or Homeward owned (see attached matrices)

* Great products for Investment properties (85% Purchase w/680 fico)

EPO 5 months
1.375% min $1500- max $15000
Monday

Tuesday

Wed

Thursday

Friday
Conrad Tan ctan@hpfc.com Mobile: 408-502-3131

Live Rate NON-QM
1.25% + $500
Monday

Tuesday

Wed

Thursday

Friday
Roobina.Ovanessian@impacmail.com 650-685-9600 FLYER(NON-QM)

$Description: Description: Description: Description: Description: Description: X:\jmacLending.gif$

LiveRate   104162

(password: aug15 )

1.375% +$500

(min $2500; max $13,500)
EPO: 7 Months

Monday

Tuesday

Wed

Thursday

Friday

Mike Garland 423-837-9083 Mike.Garland@jmaclending.com
Regular Lender Fee: $995; Tax Service: $65; Flood Cert: $10

FHA or VA
Lender Fee: $995; Tax Service: $0; Flood Cert: $0
LAGUNA JUMBO program: Green Card, H1-b, RSU(Restricted Stock Units) The following documentation is required:
· Issuance agreement or equivalent (part of the benefits package), and
· Schedule of distribution of units (shares), and
· Vesting schedule, and
· Evidence that stock is publicly traded, and
· Evidence of payout of the restricted stock (e.g., YTD pay stub and 2 years W2s)
Calculation of income:
· To determine the restricted stock price use the lower of:
o current stock price, or
o the two year stock price average.
· Qualifying income will be calculated using an average of the restricted stock income for the past two years, and year to date stock earnings. The average stock price should be applied to the number of stock units vested each year. If stock income is declining, refer to DECLINING INCOME POLICY (SELF-EMPLOYMENT, BONUS, OVERTIME, COMMISSION, RESTRICTED STOCK.
· Future vesting must support qualifying income.

1.375%
MIN $3000 - Max $15000
Monday

Tuesday

Wed

Thursday

Friday
Ruby Celia     C:   301.254.1377
NonQM Matrix NonQMSubmissionForm   PIW NonQM EzCALC
Jumbo Progrm 3% if LTV <= 60%

EPO 6 Months
1.125% + $500
(MAX $15000)
Monday

Tuesday

Wed

Thursday

Friday
Tweed Banister tweed@newfi.com 408-966-5152
Staff: John Jardell@newfil.com 510-907-3388
Forms_Guideline_Training

1.25%    max:$15000
LIVE RATE
Broker ID: 2048
Dublin ID: 2048-1
EPO: 6 months
Monday

Tuesday

Wed

Thursday

Friday

Jeff Ratcliff 408-234-9733 JRatcliff@newrez.com
Jumbo Series I (only 2-month PITI reserves for additional NOO properties; DTI 43%; LTV <= 80%)
Series J JUMBO: RSU, H1 visa, RSU guideline

May only be used as qualifying income if the income has been consistently received for two (2) years and is identified on the paystubs, W-2s and tax returns as income and the vesting schedule indicates the income will continue for a minimum of three (3) years at a similar level as prior two (2) years.

· A two (2) year average of prior income received from RSUs or stock options should be used to calculate the income, with the continuance based on the vesting schedule using a stock price based on the 52 week low for the most recent twelve (12) months reporting at the time of closing. The income used for qualifying must be supported by future vesting based on the stock price used for qualifying and vesting schedule.

· Vested restricted stock units and stock options cannot be used for reserves if using for income to qualify.

1.25%+$500 MAX:$20,000   EPO 6 Months

Monday

Tuesday

Wed

Thursday

Friday
William Chang 626.820.9081 x. 8124 william.chang@newwavelending.com
Submission Check List SubmissionForm EsignConsent

Broker ID    1566
1.125% EPO 6 Months
Modular or Manufactured HOME ok. Reduced Doc
Monday

Tuesday

Wed

Thursday

Friday
Danette Sandusky Danette.Sandusky@nexbank.com 619-933-5716
Client Advocates
Christina Espinoza Christina.Espinoza@NetBank.com 469-362-8819   OR
Daja Johnson Daja.Johnson@NexBank.com 469-362-8828
How To use NexBank System     Reg/Lock Guideline
*Setup Department 469-362-8818 or setup@nexbank.com
*Underwriting Status: 469-362-8822 or conditions@nexbank.com

*Locks- 469-362-8820 or Lockdesk@nexbank.com

*Closing: Closings@nexbank.com

EPO 180 DAYS
1.375% + $500
MIN $3000   MAX $21000
(Used to be eThos)
Monday

Tuesday

Wed

Thursday

Friday
Trinh Bui tbui@oneamericanmortgage.com   408-898-7827
Broker Advocate Roxanne Saucedo 858-214-4711
RSaucedo@oneamericanmortgage.com
ConformingAdjust JumboAdjust ADMIN FEE $895
Good 5/1, 7/1 ARM programs and JUMBO FIXED
eThosLite LTV< 65% and FIC > 760; extra 0.125%

1.25% NON-QM
EPO 6 months
Monday

Tuesday

Wed

Thursday

Friday
Conrad Tan   Wholesale Sales Manager - CA NMLS: 1887095
O: 408-502-3131     Fax: 888-289-5801
Email: ctan@quonticbank.com
Cynthia Pearson cpearson@quonticbank.com 718-819-5856
Lee Ann Casanova   lcasanova@quonticbank.com

Broker COMP
1.25%+$500
EPO 6 Months

Monday

Tuesday

Wed

Thursday

Friday
Michelle Luo 626-316-3547 michelle.luo@pacbaylending.com
StatedPlus AltDoc TrueStated VOEPlus
JUMBO      products

1.25% + $500

(min $1200-max $18750)
Broker ID: 1203023393
EPO: 6 Months

Monday

Tuesday

Wed

Thursday

Friday

Dirk Nelson 925-303-9203 dirk@parksidelending.com

180 Redwood Street, Suite 350, San Francisco, CA 94102
415.771.3700 Fax: 415.252.0842

Ratelocks@Parksidelending.com for:
RateLockExtensions ;Changes your lock; Report a rate lock error; Cancel a lock.

APPRAISAL ORDER STATUS
FAST; FLEXIBLE GUIDELINE

   1.25% EPO 6 months
Monday

Tuesday

Wed

Thursday

Friday

AE   Raymond Soundrarajan , PennyMac Broker Direct

Corporate NMLS# 35953

M: (323) 484-4757

Raymond.Soundrarajan@pnmac.com

|Broker ID: 222044
EPO 6 months
    1.25% + $500
(min $3500 - max. $15000)
LIVE RATE NON-QM
Monday

Tuesday

Wed

Thursday

Friday

KEVIN LAFEVER   tel: 619-942-3960

Kevin.LaFever@plazahomemortgage.com

REVERSE MORTGAGE (ID: plaza, PWD: reverse)

LOSS PAYEE:
Plaza Home Mortgage, Inc. Its Successors and/or Assigns
4820 Eastgate Mall, Suite 100
San Diego, CA 92121

1.25% (min $3000, Max $20,000) LIVE_RATE
Monday

Tuesday

Wed

Thursday

Friday

Lisa Chadband     LChadband@PRMG.NET ( Office:   408-710-6413

(EPO: 6 months) LiveRate

     (1.25% + $500)

     LOGIN

Monday

Tuesday

Wed

Thursday

Friday

Paul Boyd 408-834-0744; Fax: 877-454-9230; PaulBoyd@QuickenLoans.com

U/W Fee: $805; Life of Loan Tax Service Fee: $60;

Tax Certification Fee: $18; Flood Cert: $10.50; Life of Loan Flood Fee: $5

HOT HOT HOT!!!   High Balance ARM page 6
Change Circumstance email: CIC@quickenloans.com

ARM, HIGH BALANCE ARM, LPMI

1.25%+ $500;
EPO 6 Months
min $2500~max $14500
Broker ID: 136760
Monday

Tuesday

Wed

Thursday

Friday

Robert Hernandez    Cell: 925-216-1730

robert.hernandez@spmc.com

1.25%

   min $3500-max$15000
BrokerID: 4116-a
EPO: 6 months Funding-2-Funding LIVE RATE

Monday

Tuesday

Wed

Thursday

Friday

FAY HOFFMAN fhoffman@stearns.com   510-220-1330

HELP desk 1-800-314-1225

Jumbo O/O LTV< 80% ; DTI < 45%; HARF2.0 UNLIMITED LTV; LPMI;

NOO HB < 75% OK; Borrower needs to print the til and

disclosure to sign and send back to us

FPF_SELLER_GUIDE    RSU Jumbo

HELOC LENDER
Monday

Tuesday

Wed

Thursday

Friday
HELOC LENDER
Douglas Smurthwaite dsmurthwaite@tcfbank.com    Tel: 916-934-3886
LENDER FORMS
SubmissionForm   CompensationForm      GuideLine_Contact    QualifyWorkSheet

EPO 6 months   ID:93352
      1.25%
Monday

Tuesday

Wed

Thursday

Friday

Laurie Nilsen, VP - Wholesale Account Executive Sales Specialist

Cell (925) 519-0527 Laurie.Nilsen@unionbank.com
CONTACT LIST   Resource Center Portal    FLYER
Unlimited Cash Out, 80/10/10 Combo, 30/40 Years Inter Only, 1-Year Self Employee MAY BE OK

EPO 6 months + 5 days

BROKER ID: CA1958
UWM MERS 1000324
Giant Realty LEI # 549300NFFI48KW679H06
Monday

Tuesday

Wed

Thursday

Friday

AE: AUDAY PUTRUS 800-981-8898 ext 3050 aputrus@uwm.com
RENTAL INCOME CALCULATOR
Return Final Docs
Return the Final Recorded Mortgage and Title Policy to:
United Shore Financial Services, LLC
1414 East Maple Rd.
Troy, MI 48083
Attn: Post-Closing Team
Or by email at finaldocs@unitedshore.com        Dry States: Email disbursement ledgers stamped "Final" to pcconditions@uwm.com
MORTGAGE PAYMENT INFORMATION

United Wholesale Mortgage

Customer Service Department

1414 E. Maple Road

Troy, MI 48083

SELLER ID: 214721
Wells Fargo MERS# 1005298
Giant Realty LEI # 549300NFFI48KW679H06

Monday

Tuesday

Wed

Thursday

Friday

Rebecca Sommer    916-740-4416 Rebecca.Sommer2@wellsfargo.com
MERS and Final Documents Issues Tait.Johnson@wellsfargo.com    651-605-0558
Guidelines/ UW questions S cenario.helpline@wellsfargo.com
Scenario Hotline   1-800-328-5074
NOTE Delivery                                   FINAL DOC Delivery Address            First PAymentt                                                              Insurance Loss Payee
Wells Fargo                                        Wells Fargo Home Mortgage              Wells Fargo Home Mortgage                                       Wells Fargo Bank, N.A. #936
2701 Wells Fargo Way                    Attn: Final Document Services            Attn: New Loan Reconciliation F2803-027               ISAOA
MAC#: X9999-014                           6200 Park Ave                                         4800 W. Wabash Ave.                                                   Loan#:                     .
Minneapolis, MN 55467-8000      MAC# N0012-01B                                   Springfield, IL                                                                   P.O. Box 100515
                                                            Des Moines, IA 50321                                                                                                                       Florence, SC 29502-0515
CorrCollateral@wellsfargo.com
Important Contact List     PIW Fee $50
Service Link Fee    SerciceLinkAccess

1.500% + $500
max. $15,000
LIVE RATE
Broker ID: 211192
EPO: 6 months

Monday

Tuesday

Wed

Thursday

Friday

Robert O'Connor: (972)596-8617,     Fax: (866) 856-0763

Email: Robert.Oconnor@Weslend.com

NICHE: JUMBO FIXED and JUMBO 10/1 ARM and High Balance
Up to 10 Financed Properties;    Unseasoned Landlord;
Transferred Appraisals;      Delayed Financing;      Conventional Flips; Unpermitted Additions; Paying Off DEBT to Qualify;
ProgramCode: Direct 30Yr Fixed 2000-00; 20Yr Fixed 2200-00;
15Yr Fixed 2300-00;
Direct AJ 30Yr Fixed 2033-00; AJ 15Yr Fixed 2333-00
GUIDELINES
Mathias Palomino   , Account Manager
Mathias.palomino@Weslend.com Direct: 949-681-5288

Mobile Home Lender

Mobile Home Lender

HRE

Larry/Jason Lamber 714-401-6821

http://www.hreservices.com

Mobile Home Mortgage 888-633-5560

|Broker ID: 222044
EPO 6 months
    1.25% + $500
(min $3500 - max. $15000)
LIVE RATE

Commercial Lenders                    Commercial Lenders                 Commercial Lenders

$Description: Description: Description: Description: Description: Description: X:\MortgageRates_files\FarEastlogo.gif$
FarEast National Bank(SinoPac)

Charles Tzeng, Tel: 408-467-3103, Cell: 408-806-9180, Fax:408-573-8827

$Description: Description: Description: Description: Description: Description: X:\MortgageRates_files\Eastwest.gif$
EastWest Bank

SBA loan, Non-SBA loan
Apartment Rate Sheet    Commercial Rate Sheet

Beverly Bian     beverly.bian@eastwestbank.com

$Description: Description: Description: Description: Description: Description: X:\MortgageRates_files\wellsfargo.bmp$

here are a few highlights:

1)     25 year fixed on real estate loans (very rare, borrowers love it!)

2)     10 year fixed on business acquisitions, partner buyouts, and equipment (also very rare)

3)     Purchase, refinance, and construction on real estate (most property types), must be at least 51% owner occupied based on square footage

4)     We can finance working capital for expansion, debt consolidation, and startups

5)     Can lend in 45 states (no ME, NH, VT, RI, HI)

6)     I   FLYER

Brandon Sandler

SBA Business Development Officer

Wells Fargo SBA Lending

3990 Concours Drive, suite 350

Ontario, CA 91764

MAC E3565-030

Office 909-476-8684, Cell 949-751-8832, Fax 855-270-0291

Brandon.L.Sandler@wellsfargo.com

WARNING! ONLY the agents who work for Aviva Financial Service or Giant Realty Inc. are allowed to access the rate sheets on this website. If you are not our Associates, please log out now. Copyright © 2006.

Note Amount	Point and Fee Threshold
≥ $100,000	*3% of Total Loan Amount*
$60,000 ~ $99,999	*$3000*
$20,000 ~ $59,999	*5% of Total Loan Amount*