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Midwest Loan Services - Mortgage Maker Fixed Pricing Midwest Loan Services - Credit Flex Fixed Pricing
09/08/04
Mtg Mkr:  30 Yr. Fixed Rate Mtg Mkr:  20 Yr. Fixed Rate Mtg Mkr:  15 Yr. Fixed Rate Price Adjustment Factors for Mortgage Maker First Liens   Mortgage Maker 1st Liens
(G30F) (G20F) (G15F) (Add to base price)             LTV <= 60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 90.01-95 95.01-97
Max Price 102.25 Max Price 102.25 Max Price 102.25 Amt <$40k             -2.250 -2.250 -2.250 -2.250 -2.250 -2.250 -2.250 -2.250 -2.250
Rate Price Rate Price Rate Price Amt => $40k to $50k           -1.125 -1.125 -1.125 -1.125 -1.125 -1.125 -1.125 -1.125 -1.125
9 104.5988 8.75 104.5988 8.875 104.5731 Amt >$100k to $333,700           0.750 0.500 0.500 0.375 0.375 0.250 0.250 0.125 0.125
8.875 104.4426 8.625 104.4426 8.75 104.4169 Amt >$333,700k to $400k               -0.250 -0.250 -0.250 -0.375 -0.500 -0.750 -0.875 -1.000 -1.250
8.75 104.2863 8.5 104.2863 8.625 104.2606 Amt >$400k to $650k               -0.500 -0.500 -0.500 -0.750 -0.875 -1.125 -1.250 -1.500 -1.875
8.625 104.1301 8.375 104.1301 8.5 104.1044 Amt >$650k to $1M               -0.750 -1.000 -1.125 -1.500 -1.625 -1.625 -1.625 -1.750 N/A
8.5 103.9738 8.25 103.9738 8.375 103.9481 Amt >$1M to $1.5M               -1.250 -1.500 -1.750 -2.250 N/A N/A N/A N/A N/A
8.375 103.8176 8.125 103.8176 8.25 103.7919 Amt >$1.5M to $2M               -1.500 -1.750 -2.250 -2.750 N/A N/A N/A N/A N/A
8.25 103.6613 8 103.6613 8.125 103.6356 Amt >$2M and <=$4M               -2.250 -2.250 -2.750 N/A N/A N/A N/A N/A N/A
8.125 103.5051 7.875 103.5051 8 103.4794 Cashout Refi               -0.250 -0.250 -0.375 -0.750 -0.875 -1.125 -1.500 -2.250 N/A
8 103.3488 7.75 103.3488 7.875 103.3231 2nd Home               -0.500 -0.500 -0.500 -0.625 -0.750 -1.125 -1.375 -1.750 N/A
7.875 103.1926 7.625 103.1926 7.75 103.1669 Non-Owner               -0.750 -0.750 -1.000 -1.375 -1.625 -1.875 -2.250 N/A N/A
7.75 103.0363 7.5 103.0363 7.625 103.0106 3-4 Units               -0.375 -0.500 -0.500 -0.625 -0.750 -0.875 -1.000 -1.125 N/A
7.625 102.8801 7.375 102.8801 7.5 102.8544 Low Rise Condo               -0.250 -0.250 -0.375 -0.500 -0.625 -0.625 -0.625 -0.750 -0.750
7.5 102.7238 7.25 102.7238 7.375 102.6981 High Rise Condos               -0.750 -0.750 -0.750 -1.000 -1.125 -1.375 -1.375 -1.375 -1.375
7.375 102.5676 7.125 102.5676 7.25 102.5419 FICO Score >=680               0.500 0.375 0.375 0.250 0.250 0.125 0.125 0.000 0.000
7.25 102.4113 7 102.4113 7.125 102.3856 FICO Score 660 - 679               -0.125 -0.125 -0.125 -0.125 -0.125 -0.250 -0.375 -0.500 -0.500
7.125 102.2551 6.875 102.2551 7 102.2294 FICO Score 620 - 659               -0.250 -0.250 -0.250 -0.250 -0.250 -0.375 -0.500 -0.625 -0.625
7 102.0988 6.75 102.0988 6.875 102.0731 FICO Score 600 - 619               -0.500 -0.500 -0.500 -0.500 -0.625 N/A N/A N/A N/A
6.875 101.9426 6.625 101.9426 6.75 101.9169 DTI > 45%               0.000 -0.125 -0.125 -0.250 -0.250 -0.375 -0.500 -0.625 -0.750
6.75 101.7668 6.5 101.7668 6.625 101.7606 Limited Doc               -0.125 -0.250 -0.250 -0.375 -0.500 -0.750 -1.125 -1.625 N/A
6.625 101.5403 6.375 101.5403 6.5 101.6018 Stated Income/Stated Assets               -0.500 -0.625 -0.875 -1.000 -1.125 -1.625 -1.875 -2.500 N/A
6.5 101.2513 6.25 101.2513 6.375 101.422 No Ratio             -0.250 -0.375 -0.500 -0.750 -0.875 -1.250 -1.625 -2.000 N/A
6.375 100.8998 6.125 100.8998 6.25 101.2033 No Doc               -0.625 -0.750 -1.000 -1.250 -1.375 -1.875 -2.125 -2.750 N/A
6.25 100.3298 6 100.3298 6.125 100.974 Interest Only             -0.125 -0.125 -0.125 -0.250 -0.250 -0.250 -0.375 -0.375 -0.375
6.125 99.6033 5.875 99.6033 6 100.6928 No MI               N/A N/A N/A N/A N/A -1.250 -2.000 -2.875 N/A
6 98.8143 5.75 98.8143 5.875 100.4115 Escrow Waiver             -0.250 -0.250 -0.250 -0.250 -0.250 -0.250 -0.250 -0.250 -0.250
5.875 97.9238 5.625 97.9238 5.75 100.0725
5.75 96.9863 5.5 96.9863 5.625 99.4265
5.625 96.0488 5.375 96.0488 5.5 98.666
5.5 95.1113 5.25 95.1113 5.375 97.843