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Midwest Loan Services - Express Fixed Rates
09/08/04
Express:  30 Yr. Fixed Rate, 20 Yr. Fixed Rate Express:  15 Yr. Fixed Rate, 10 Yr. Fixed Rate 1ST LIEN FIXED RATE ADJUSTMENTS  
(E30F) (E15F)                                    
Max Price 103.5 Max Price 103.5   FICO FICO FICO FICO FICO    
Rate Price Rate Price Rate Adjustment Factors 720 + 680 - 719 660 - 679 640 - 659 620 - 639 Price Adjustments (All FICO scores)    
7.375 105.1561 6.875 104.6449 LTV < = 60.00% 0.0000% 0.0950% 0.1650% 0.4350% 0.6000% Amt $333,701 - $650,000 -1.0000 *    
7.25 104.4686 6.75 104.3949 LTV > 60.00% < = 65.00% 0.1150% 0.1650% 0.2750% 0.5350% 0.7300% Amt $250,000 - $333,700 0.1571    
7.125 104.5311 6.625 104.1449 LTV > 65.00% < = 70.00% 0.1900% 0.2300% 0.3900% 0.6750% 0.9150% Amt $200,000 - $249,999 0.1326    
7 104.2186 6.5 103.8949 LTV > 70.00% < = 75.00% 0.2750% 0.3450% 0.5250% 0.8550% 1.1600% Amt $150,000 - $199,999 0.0858    
6.875 103.9061 6.375 103.6449 LTV > 75.00% < = 80.00% 0.3600% 0.4550% 0.6950% 1.0250% 1.4800% Amt $100,000 - $149,999 0.0000    
6.75 103.4686 6.25 103.2699 LTV > 80.00% < = 85.00% 0.4300% 0.5200% 0.8100% 1.1300% 1.8000% Amt $50,000 - $99,999 -0.2084    
6.625 103.0311 6.125 102.8949 LTV > 85.00% < = 90.00% 0.5700% 0.6850% 1.0250% 1.3800% 2.1900% Amt $25,000 - $49,999 -0.7084    
6.5 102.5936 6 102.5199 LTV > 90.00% < = 95.00% 0.8000% 0.9750% 1.3750% 1.6750% 2.5800% Amt < $25,000 -2.0417    
6.375 102.1561 5.875 102.1449 LTV > 95.00% < = 100.00% 1.0250% 1.5300% 1.9800% N/A N/A 2-4 Unit > $333,700 0.0000    
6.25 101.6561 5.75 101.6762 Cash Out Refinance <= 90% LTV 0.1000% 0.1000% 0.1000% 0.2500% 0.2500%    
6.125 101.1561 5.625 101.2074 Cash Out Refinance > 90% LTV 0.4000% 0.4000% 0.4000% N/A N/A Escrow Waiver LTV <=80% -0.2500    
6 100.5936 5.5 100.6762 Stated Income <= 80% LTV 0.2500% 0.3750% 0.3750% N/A N/A Escrow Waiver LTV >80% -0.3750    
5.875 100.0311 5.375 100.1449 Stated Income > 80% LTV 0.3750% 0.5000% 0.5000% N/A N/A California Adjustment -0.2500    
5.75 99.4061 5.25 99.67615 DTI > 45% 0.0700% 0.1000% 0.1000% N/A N/A    
5.625 98.7811 5.125 99.2074 Second Home 0.5000% 0.5500% 0.6000% 0.6250% 0.8750%    
5.5 98.04985 5 98.7074 2 - 4 Unit 0.2000% 0.2750% 0.2750% 0.3600% 0.5000%    
5.375 97.3186 4.875 98.2074 Non-Owner Occupied 1.4000% 1.7000% 1.8750% 2.0250% 2.5250% * Max Price No Prepay 103.00, Max Price w/Prepay 104.00    
Low Rise Condo 0.1250% 0.1250% 0.1250% 0.1250% 0.1250%    
High Rise Condo 0.3750% 0.3750% 0.3750% 0.3750% 0.3750%    
1st Lien with Subordinated Debt 0.5000% 0.5000% 0.5000% 0.5000% 0.5000%