SAFE Rates

1 Maximum loan amount of $1,500,000. 2 APR = Annual Percentage Rate. 3 Payment based on $850,000 loan amount. 4 Pricing shown at 60% LTV and program allows up to 80% LTV. 5 Pricing shown at 60% LTV and program allows up to 75% LTV. 6 SAFE Alternative allows 24 months seasoning for a short sale, foreclosure, or bankruptcy discharge. Maximum loan amount of $1,000,000.

1 Maximum loan amount of $1,500,000. Mortgage insurance is not required when LTV is 80% or less. 2 APR = Annual Percentage Rate. 3 Pricing shown at 60% LTV and program allows up to 90% LTV. 4 5/6, 7/6 and 10/6 ARM rates are variable, may increase or decrease during the life of the loan, and are indexed to the 30-day Average Secured Overnight Financing Rate (SOFR), as published by the Federal Reserve Bank of New York, with a margin of 2.75%. ARM loans are amortized over a 30-year term. 5/6 ARMs are fixed for the first 5 years, subject to change semi-annually thereafter. 7/6 ARMs are fixed for the first 7 years, subject to change semi- annually thereafter. 10/6 ARMS are fixed for the first 10 years, subject to change semi-annually thereafter. 5 5 5/5 ARM rate is variable, may increase or decrease during the life of the loan, and is indexed to the 5-Year Constant Maturity Treasury Rate with a margin of 2.25%. The 5/5 ARM loan is amortized over a 30-year term. The rate is fixed for the first 5 years, subject to change every five years thereafter.