Credit Score - "Score lower than 720"
Loan Documentation Type - "Loan Documentation not Full Doc"
Down Payment/Loan to Value - "Down Payment not 20% / LTV greater than 80%"
Lock Period - "Rate determined based on 30 day lock period"
Occupancy - "property is not borrowers primary residence"
Fixed vs ARM - "The longer fixed rate term the higher the rate"
Interest Only - "Rates on Interest Only loans are higher than fully amortized loans"
Prepayment Penalty - "Reduced Prepayment Penalty Term results in higher rates"
Loan Amount - "Loans under $125,000 and Over $417,000 are higher rates"

Value/Purchase Price: $150,000

Loan Amount:$135,000 and $120,000

Loan To Value: 90% and 80%

Property Type: SFR

Occupancy: Investor

Documentation Level: No Doc

Income Documentation: No Doc

Asset Documentation: No Doc

Employment Documentation: No Doc

Mortgage/Rent Documentation: Full

Credit Score/Grade: 680

Fixed/Adjustable Program: 5 year fixed

Interest Only?: Yes

Pre Payment Penalty: No

Debt to Income Ratio: Less than 45%

Mortgage Insurance: No

1^st Mortgage Quote

Loan Amount	Interest Rate	Payment
$105,000 (90% Option)	6.875%	$601.56 plus taxes and insurance
$120,000 (80% Option)	6.375%	$748.64 plus taxes and insurance

2nd Mortgage Quote (If Applicable)

Loan Amount	Interest Rate	Payment
$30,000 (90% Option)	15.375%	$388.34
$	%	$

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Rate quoted for Jeffrey S on 1/15/2007

Factors that negatively affected the rate below were

Credit Score - "Score lower than 720"

Loan Documentation Type - "Loan Documentation not Full Doc"

Down Payment/Loan to Value - "Down Payment not 20% / LTV greater than 80%"

Lock Period - "Rate determined based on 30 day lock period"

Occupancy - "property is not borrowers primary residence"

Fixed vs ARM - "The longer fixed rate term the higher the rate"

Interest Only - "Rates on Interest Only loans are higher than fully amortized loans"

Prepayment Penalty - "Reduced Prepayment Penalty Term results in higher rates"

Loan Amount - "Loans under $125,000 and Over $417,000 are higher rates"