Current rates

Pricing & product guide

Effective Date: 04/01/2020

View pricing guide

Primary Residences

(owner occupied)

Piggyback and Piggyback Delayed
Minimum FICO Required for Purchase and Refinance Margins by CLTV Range Combined 1st & 2nd Mortgage Exposure
<60% 60.01 - 70.00% 70.01 - 80.00% 80.01 - 85.00% 85.01 - 89.99%
Minimum FICO Required Purchase, Refi & Stand Alone
800+
CLTV <>
-0.51%
CLTV 60.01 - 70.00%
-0.01%
CLTV 70.01 - 80.00%
0.24%
CLTV 80.01 - 85.00%
0.49%
CLTV 85.01 - 89.99%
0.74%
Combined 1st & 2nd Mortgage Exposure
$2,000,000
Minimum FICO Required Purchases, Refi & Stand Alone
760 - 799
CLTV <>
-0.01%
CLTV 60.01 - 70.00%
-0.01%
CLTV 70.01 - 80.00%
0.24%
CLTV 80.01 - 85.00%
0.49%
CLTV 85.01 - 89.99%
0.99%
Combined 1st & 2nd Mortgage Exposure
$2,000,000
Minimum FICO Required Purchase, Refi & Stand Alone
730 - 759
CLTV <>
0.49%
CLTV 60.01 - 70.00%
0.49%
CLTV 70.01 - 80.00%
0.74%
CLTV 80.01 - 85.00%
1.24%
CLTV 85.01 - 89.99%
1.24%
Combined 1st & 2nd Mortgage Exposure
$2,000,000
Minimum FICO Required Purchase, Refi & Stand Alone
700 - 729
CLTV <>
0.74%
CLTV 60.01 - 70.00%
0.74%
CLTV 70.01 - 80.00%
1.24%
CLTV 80.01 - 85.00%
1.49%
CLTV 85.01 - 89.99%
1.74%
Combined 1st & 2nd Mortgage Exposure
$1,250,000
Minimum FICO Required Purchase, Refi & Stand Alone
680 - 699
CLTV <>
0.99%
CLTV 60.01 - 70.00%
1.24%
CLTV 70.01 - 80.00%
1.74%
CLTV 80.01 - 85.00%
2.24%
CLTV 85.01 - 89.99%
N/A
Combined 1st & 2nd Mortgage Exposure
$1,250,000
Standalone
Minimum FICO Required Margins by CLTV Range Combined 1st & 2nd Mortgage Exposure
<60% 60.01 - 70.00% 70.01 - 80.00% 80.01 - 85.00% 85.01 - 89.99%
Minimum FICO Required Purchase, Refi & Stand Alone
800+
CLTV <>
-0.01%
CLTV 60.01 - 70.00%
0.74%
CLTV 70.01 - 80.00%
0.99%
CLTV 80.01 - 85.00%
0.99%
CLTV 85.01 - 89.99%
1.49%
Combined 1st & 2nd Mortgage Exposure
$2,000,000
Minimum FICO Required Purchase, Refi & Stand Alone
760 - 799
CLTV <>
0.74%
CLTV 60.01 - 70.00%
0.74%
CLTV 70.01 - 80.00%
0.99%
CLTV 80.01 - 85.00%
0.99%
CLTV 85.01 - 89.99%
1.49%
Combined 1st & 2nd Mortgage Exposure
$2,000,000
Minimum FICO Required Purchase, Refi & Stand Alone
730 - 759
CLTV <>
0.99%
CLTV 60.01 - 70.00%
0.99%
CLTV 70.01 - 80.00%
1.24%
CLTV 80.01 - 85.00%
1.24%
CLTV 85.01 - 89.99%
1.74%
Combined 1st & 2nd Mortgage Exposure
$2,000,000
Minimum FICO Required Purchase, Refi & Stand Alone
700 - 729
CLTV <>
1.24%
CLTV 60.01 - 70.00%
1.24%
CLTV 70.01 - 80.00%
1.74%
CLTV 80.01 - 85.00%
1.99%
CLTV 85.01 - 89.99%
2.24%
Combined 1st & 2nd Mortgage Exposure
$1,250,000
Minimum FICO Required Purchase, Refi & Stand Alone
680 - 699
CLTV <>
1.49%
CLTV 60.01 - 70.00%
1.74%
CLTV 70.01 - 80.00%
2.24%
CLTV 80.01 - 85.00%
2.74%
CLTV 85.01 - 89.99%
N/A
Combined 1st & 2nd Mortgage Exposure
$1,250,000

For use by real estate professionals. Not for distribution to customers.

Equal Housing Lender