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"
Prepayment Penalty - "Reduced Prepayment Penalty Term results in higher rates"
Loan Amount - "Loans under $125,000 and Over $417,000 are higher rates"
Escrows - "If client doesn't want escrows rate will be higher"
Client Specific Needs - "This client had a specific risk factor that negatively affected rate. eg. over 4 properties, limited property seasoning, construction loan, rehab loan, other"
Mortgage Insurance - "Loans over 80% LTV without mortgage insurance result in higher rates"

Value/Purchase Price: $106,500

Loan Amount:$85,200, $90,525,95,850

Loan To Value: 80%, 85%,90%

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: 730

Fixed/Adjustable Program: 5 year fixed

Interest Only?: No

Pre Payment Penalty: No on 80% and 90% 3 year soft pre-pay on 85%

Debt to Income Ratio: Less than 45%

Mortgage Insurance: No

1^st Mortgage Quote

Loan Amount	Interest Rate	Payment
$85,200 (80%)	7.125%	$574.01 plus taxes and insurance
$90,525 (85%)	7.65%	$642.28 plus taxes and insurance
$85,200 (90%) CLTV 1st mortgage	7.125%	574.01 plus taxes and insurance

2nd Mortgage Quote (If Applicable)

Loan Amount	Interest Rate	Payment
$10,650	15.375%	$137.86
$	%	$

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