{"text_format":"1","workbook":"xlsx","n_sheets":4,"sheets":["Feed(WS)","NonQM Program","Cover Page","Sheet1"],"not_rendered":{"charts":0,"images":3,"macros":1,"external_links":0,"defined_names":2,"comments":0,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"Feed(WS)","index":0,"n_rows":181,"n_cols":29,"rows_kept":181,"cut":false,"hidden":true,"merged":[[79,1,79,5],[0,17,0,18],[180,1,180,2],[179,1,179,2],[176,1,176,2],[79,8,79,11],[123,1,123,4],[127,8,127,11],[177,1,177,2],[19,0,19,2],[20,0,20,1],[21,0,21,1],[22,0,22,1],[23,0,23,1],[29,0,29,1],[30,0,30,1],[24,0,24,1],[25,0,25,1],[26,0,26,1],[27,0,27,1],[28,0,28,1]]}
["FICO","LTV","Grades","Doc Type","Additional Adjs","DTI","Loan Amount","Prepayment Penalties","Escrow Waiver","Purpose","Property Type","Occupancy","Term","Lock Period","Comp Type","Citizenships","Foreign National",null,null,"State",null,"Inv. & 2nd Home >80% LTV"]
["Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection",null,null,"Choose a Selection",null,"Not Applicable",null,{"$f":"IF(AND(OR('NonQM Program'!U10=B9:B10),OR('NonQM Program'!U19=L4:L6)),V3,V2)","v":"Not Applicable"}]
["780+","<=50","Select Standard","Select (Full/Alt)","None in this Dropdown","DTI ≤45% - All Doc Types","<$150,000","No PPP *See PPP Section*","Escrow Not Waived","Purchase","SFR","Primary","15YR Fixed","15 Day","Borrower Paid","US Citizen","Not Applicable1",null,null,"Illinois",null,"Yes",null,null,null,null,null,null," "]
["760-779","50.01-60","A+","Full Doc","Asset Utilization","DTI >45% - All Doc Types","$150,000-$1,000,000","6 Months PPP","Escrow Waived","Refinances","2 Units","Second Home","30YR Fixed","30 Day",null,"Permanent Resident","Not Applicable2",null,null,"Maryland",null,null,null,null,null,null,null,null," "]
["740-759","60.01-65","A","Alt Doc","1099 Only","DTI ≥50% - All Doc Types",">$1,000,000","12 Months PPP",null,"Debt Consol. ≤ 70% LTV","3-4 Units","Full Doc - Non-Owner","30YR IO Fixed","45 Day",null,"Non Perm Resident","Not Applicable3",null,null,"Michigan",null,null,null,null,null,null,null,null," "]
["720-739","65.01-70","B","DSCR","VOE Only","No DTI Program",">$1,500,000","24 Months PPP",null,"Debt Consol. >70% LTV","Condo","Non-Owner (Alt Doc/DSCR)","40YR IO Fixed","60 Day",null,"ITIN",null,null,null,"Minnesota",null,null,null,null,null,null,null,null," "]
["700-719","70.01-75","C",null,null,null,">$2,000,000","36 Months PPP",null,"Cash-Out ≤ 70% LTV","NW Condo",null,"40YR Fixed","75 Day",null,"Foreign Nat' With Fico",null,null,null,"North Dakota",null,null,null,null,null,null,null,null," "]
["680-699","75.01-80","Select - DSCR",null,null,null,">$2,500,000","48 Months PPP",null,"Cash-Out >70% LTV","PUD",null,"5/6 30YR ARM",null,null,null,null,null,null,"New Jersey",null,null,null,null,null,null,null,null," "]
["660-679","80.01-85","DSCR (≥1.00)",null,null,null,">$3,000,000","60 Months PPP",null,null,null,null,"5/6 30YR IO ARM",null,null,null,null,null,null,"New Mexico",null,null,null,null,null,null,null,null," "]
["640-659","85.01-90","No Ratio (0.75-0.99)",null,null,null,">$3,500,000",null,null,null,null,null,"5/6 40YR ARM",null,null,null,null,null,null,"Pennsylvania",null,null,null,null,null,null,null,null," "]
["620-639",null,null,null,null,null,">$4,000,000",null,null,null,null,null,"7/6 30YR ARM",null,null,null,null,null,null,"Texas"]
["600-619",null,null,null,null,null,null,null,null,null,null,null,"7/6 30YR IO ARM",null,null,null,null,null,null,"All Other States",null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,"7/6 40YR ARM",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[]
[]
[" 'NonQM Program'!"]
["Feed(WS)'!"]
[]
[]
[{"$f":"'NonQM Program'!O46","v":"Max Price"},null,null,"Rules"]
[{"$f":"'NonQM Program'!O47","v":"Owner Occ/Sec Home"},null,{"$f":"'NonQM Program'!Q47","v":100},{"$f":"IF(OR('NonQM Program'!U19=L3:L4),C21,\"\")","v":""}]
[{"$f":"'NonQM Program'!O48","v":"Loans W/ No PPP"},null,{"$f":"'NonQM Program'!Q48","v":99},{"$f":"IF(AND(OR('NonQM Program'!U19=L5:L6),'NonQM Program'!U23=H3),C22,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[{"$f":"'NonQM Program'!O49","v":"Loans W/ 6 Month PPP"},null,{"$f":"'NonQM Program'!Q49","v":99},{"$f":"IF(AND(OR('NonQM Program'!U19=L5:L6),'NonQM Program'!U23=H4),C23,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[{"$f":"'NonQM Program'!O50","v":"Loans W/ 1YR PPP"},null,{"$f":"'NonQM Program'!Q50","v":100},{"$f":"IF(AND(OR('NonQM Program'!U19=L5:L6),'NonQM Program'!U23=H5),C24,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[{"$f":"'NonQM Program'!O51","v":"Loans W/ 2YR PPP"},null,{"$f":"'NonQM Program'!Q51","v":100},{"$f":"IF(AND(OR('NonQM Program'!U19=L5:L6),'NonQM Program'!U23=H6),C25,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[{"$f":"'NonQM Program'!O52","v":"Loans W/ 3YR PPP"},null,{"$f":"'NonQM Program'!Q52","v":100},{"$f":"IF(AND(OR('NonQM Program'!U19=L5:L6),'NonQM Program'!U23=H7),C26,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[{"$f":"'NonQM Program'!O53","v":"Loans W/ 4YR PPP"},null,{"$f":"'NonQM Program'!Q53","v":100},{"$f":"IF(AND(OR('NonQM Program'!U19=L5:L6),'NonQM Program'!U23=H8),C27,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[{"$f":"'NonQM Program'!O54","v":"Loans W/ 5YR PPP"},null,{"$f":"'NonQM Program'!Q54","v":100},{"$f":"IF(AND(OR('NonQM Program'!U19=L5:L6),'NonQM Program'!U23=H9),C28,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[{"$f":"'NonQM Program'!O55","v":">$3,000,000"},null,{"$f":"'NonQM Program'!Q55","v":99.5},{"$f":"IF(OR('NonQM Program'!U17=G9:G11),C29,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[{"$f":"'NonQM Program'!O56","v":"80.01-90.00% LTV"},null,{"$f":"'NonQM Program'!Q56","v":100},{"$f":"IF(OR('NonQM Program'!U10=B9:B10),C30,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[{"$f":"'NonQM Program'!O57","v":"ITIN/Foreign National"},null,{"$f":"'NonQM Program'!Q57","v":100},{"$f":"IF(OR('NonQM Program'!U15=P6:P7),C31,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,"Final price  →",{"$f":"MIN(D21:D31)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["Pop Ups",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["No Ratio above 60% warning",{"$f":"IF(AND(OR('NonQM Program'!U10='Feed(WS)'!B5:B10),'NonQM Program'!U12=\"No Ratio (0.75-0.99)\"),TRUE,FALSE)","v":false},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["Disqualifiers",null,null,null,null,"Disqualifiers Select",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[" Foreign National",{"$f":"IF(AND('NonQM Program'!U15='Feed(WS)'!P7,OR('NonQM Program'!U11='Feed(WS)'!A8:A12)),NA(),\"\")","v":""},"FN minimum 700 Fico rule",null,null,"Doc type",{"$f":"IF(AND('NonQM Program'!U13=D3,OR('NonQM Program'!U12=C4:C10)),NA(),\"\")","v":""},"Select Doc type only pairs with Select grade",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["ITIN",{"$f":"IF(AND('NonQM Program'!U15='Feed(WS)'!P6,'NonQM Program'!U10=B10),NA(),\"\")","v":""},"ITIN N/A for 85.01-90% LTV",null,null,"Grade",{"$f":"IF(AND('NonQM Program'!U12=C3,OR('NonQM Program'!U13=D4:D6)),NA(),\"\")","v":""},"Select Grade only pairs with type only pairs with Select Doc type",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["ITIN",{"$f":"IF(AND('NonQM Program'!U15='Feed(WS)'!P6,OR('NonQM Program'!U11='Feed(WS)'!A10:A12)),NA(),\"\")","v":""},"ITIN minimum 660 Fico rule for all LTVs",null,null,"Occupancy",{"$f":"IF(AND(OR('NonQM Program'!U19=L5:L6),'NonQM Program'!U13=D3),NA(),\"\")","v":""},"Select N/A s NOO",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[" Foreign National",{"$f":"IF(AND('NonQM Program'!U15='Feed(WS)'!P7,OR('NonQM Program'!U17='Feed(WS)'!G7:G9)),NA(),\"\")","v":""},"FN 0-2 mil loan amount max",null,null,"Occupancy",{"$f":"IF(AND(OR('NonQM Program'!U19=L4),'NonQM Program'!U13=D3),NA(),\"\")","v":""},"Select N/A s 2nd Home",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["ITIN",{"$f":"IF(AND('NonQM Program'!U15='Feed(WS)'!P6,OR('NonQM Program'!U17='Feed(WS)'!G6:G9)),NA(),\"\")","v":""},"ITIN 0-1.5 mil loan amount max",null,null,"Prop Type",{"$f":"IF(AND(OR('NonQM Program'!U20=K7),'NonQM Program'!U13=D3),NA(),\"\")","v":""},"Select N/A s NW Condo",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["85.01-90% LTV",{"$f":"IF(AND('NonQM Program'!U10='Feed(WS)'!B10,'NonQM Program'!U12='Feed(WS)'!C4,OR('NonQM Program'!U19='Feed(WS)'!L4:L6)),NA(),\"\")","v":""},"A+ / NOO - 2nd home / 85.01-90%",null,null,"Prop Type",{"$f":"IF(AND(OR('NonQM Program'!U20=K4),'NonQM Program'!U13=D3,'NonQM Program'!U10=B10),NA(),\"\")","v":""},"2 Units is capped at 85% LTV",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["C Grade >70%",{"$f":"IF(AND('NonQM Program'!U12='Feed(WS)'!C7,OR('NonQM Program'!U10='Feed(WS)'!B7:B10)),NA(),\"\")","v":""},"C Grade /  >70% LTV",null,null,"Prop Type",{"$f":"IF(AND(OR('NonQM Program'!U20=K5),'NonQM Program'!U13=D3,OR('NonQM Program'!U10=B9:B10)),NA(),\"\")","v":""},"3-4 Units is capped at 80% LTV",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["PPP >80% LTV",{"$f":"IF(AND(OR('NonQM Program'!U10='Feed(WS)'!B9:B10),OR('NonQM Program'!U19='Feed(WS)'!L5:L6),OR('NonQM Program'!U23='Feed(WS)'!H2:H6)),NA(),\"\")","v":""},"80.01-90% / NOO / 3YR PP Minimum",null,null,"Loan Term",{"$f":"IF(AND('NonQM Program'!U13=D3,OR('NonQM Program'!U21=M5:M13,'NonQM Program'!U21=M3)),NA(),\"\")","v":""},"Select N/A s 15Year, ARMS, IO, and 40 Year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["Grade A+ Min FICO is 660",{"$f":"IF(AND(OR('NonQM Program'!U11=A10:A12),'NonQM Program'!U12=C4),NA(),\"\")","v":""},"Grade A+ Minimum FICO is 660, so under 660 is “NA”",null,null,"Select X Cash out",{"$f":"IF(OR(AND('NonQM Program'!U13=D3,OR('NonQM Program'!U18=J5:J8),OR('NonQM Program'!U10=B9:B10)),AND('NonQM Program'!U13=D3,OR('NonQM Program'!U18=J5:J8),OR('NonQM Program'!U17=G5:G11)),AND('NonQM Program'!U13=D3,OR('NonQM Program'!U18=J5:J8),OR('NonQM Program'!U11=A8:A12))),NA(),\"\")","v":""},"Cash Out caps LTV at 80%, 1MM, and min FICO at 700",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["85.01-90% LTV 2mil cap",{"$f":"IF(AND('NonQM Program'!U10=B10,OR('NonQM Program'!U17=G7:G11)),NA(),\"\")","v":""},"90% LTV Max loan amount is 2MM, so >2 and >3 is “NA”",null,null,"Select X Loan Amount",{"$f":"IF(AND('NonQM Program'!U13=D3,OR('NonQM Program'!U17=G7:G11,'NonQM Program'!U17=G3)),NA(),\"\")","v":""},"No Select over 2MM or Below <150k",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["80.01-85% LTV 2mil cap",{"$f":"IF(AND('NonQM Program'!U10=B9,OR('NonQM Program'!U17=G7:G11)),NA(),\"\")","v":""},"85% LTV Max Loan Amount is 2.0MM so >2 is “NA”",null,null,"FICO X Loan Amt X LTV X Select",{"$f":"IF(AND('NonQM Program'!U11=A9,OR('NonQM Program'!U17=G5:G11),'NonQM Program'!U13=D3),NA(),\"\")","v":""},"660-679 FICO caps over 1 MM",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["65% LTV 3-4 mil cap",{"$f":"IF(AND(OR('NonQM Program'!U10=B6:B10),OR('NonQM Program'!U17=G9:G11)),NA(),\"\")","v":""},"65% LTV Max so >3->4 is “NA”",null,null,"FICO X Loan Amt X LTV X Select",{"$f":"IF(AND('NonQM Program'!U11=A8,OR('NonQM Program'!U17=G5:G11),OR('NonQM Program'!U10=B3:B10),'NonQM Program'!U13=D3),NA(),\"\")","v":""},"680 FICO caps at 150k - 1MM ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["Condo 80% LTV Cap",{"$f":"IF(AND(OR('NonQM Program'!U10=B10),OR('NonQM Program'!U20=K6),OR('NonQM Program'!U12=C4:C10)),NA(),\"\")","v":""},"85% Max for Condo",null,null,"FICO X Loan Amt X LTV X Select",{"$f":"IF(AND('NonQM Program'!U11=A7,OR('NonQM Program'!U17=G5:G11),OR('NonQM Program'!U10=B9:B10),'NonQM Program'!U13=D3),NA(),\"\")","v":""},"700-719 FICO caps over 1 MM at 80% LTV",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["2 Unit 85% LTV Cap",{"$f":"IF(AND(OR('NonQM Program'!U10=B10),OR('NonQM Program'!U20=K4)),NA(),\"\")","v":""},"85% Max for 2 Units",null,null,"FICO X Loan Amt X LTV X Select",{"$f":"IF(AND('NonQM Program'!U11=A7,OR('NonQM Program'!U17=G6:G11),OR('NonQM Program'!U10=B8:B10),'NonQM Program'!U13=D3),NA(),\"\")","v":""},"700-719 FICO caps over 1.5 MM at 75% LTV",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["NW Condo 75% LTV Cap",{"$f":"IF(AND(OR('NonQM Program'!U10=B8:B10),OR('NonQM Program'!U20=K7)),NA(),\"\")","v":""},"75% Max for NW Condo",null,null,"FICO X Loan Amt X LTV X Select",{"$f":"IF(AND('NonQM Program'!U11=A6,OR('NonQM Program'!U17=G5:G11),OR('NonQM Program'!U10=B10),'NonQM Program'!U13=D3),NA(),\"\")","v":""},"720-739 FICO caps over 1 MM at 85% LTV",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["3-4 Unit 80% LTV Cap",{"$f":"IF(AND(OR('NonQM Program'!U10=B9:B10),OR('NonQM Program'!U20=K5)),NA(),\"\")","v":""},"80% Max for 3-4 Units",null,null,"FICO X Loan Amt X LTV X Select",{"$f":"IF(AND('NonQM Program'!U11=A6,OR('NonQM Program'!U17=G6:G11),OR('NonQM Program'!U10=B9:B10),'NonQM Program'!U13=D3),NA(),\"\")","v":""},"720-739 FICO caps over 1.5 MM and 80% LTV",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["DSCR",{"$f":"IF(AND(OR('NonQM Program'!U10=B7:B10),OR('NonQM Program'!U11=A11:A12),'NonQM Program'!U13=D6),NA(),\"\")","v":""},"DSCR >70% LTV 620 FICO cap",null,null,"FICO X Loan Amt X LTV X Select",{"$f":"IF(AND(OR('NonQM Program'!U11=A3:A5),OR('NonQM Program'!U17=G6:G11),OR('NonQM Program'!U10=B10),'NonQM Program'!U13=D3),NA(),\"\")","v":""},"740+ FICO caps over 1.5 MM at 85% LTV",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["DSCR",{"$f":"IF(AND(OR('NonQM Program'!U10='Feed(WS)'!B9:B10),'NonQM Program'!U13='Feed(WS)'!D6,OR('NonQM Program'!U20='Feed(WS)'!K5:K6)),NA(),\"\")","v":""},"DSCR >80% 3-4 Units/Condo",null,null,"FICO X Loan Amt X LTV X Select X Cash",{"$f":"IF(AND(OR('NonQM Program'!U11=A7),OR('NonQM Program'!U17=G4),OR('NonQM Program'!U10=B8:B10),'NonQM Program'!U13=D3,OR('NonQM Program'!U18=J5:J8)),NA(),\"\")","v":""},"700-719 FICO caps 150k - 1 MM at 75% LTV Cash Out",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["DSCR",{"$f":"IF(AND(OR('NonQM Program'!U11='Feed(WS)'!A7:A12),'NonQM Program'!U13='Feed(WS)'!D6,OR('NonQM Program'!U10='Feed(WS)'!B8:B10),OR('NonQM Program'!U18='Feed(WS)'!J5:J8)),NA(),\"\")","v":""},"DSCR 75% CAP on Cash out FICO <720",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["DTI >45%",{"$f":"IF(AND('NonQM Program'!U10=B10,'NonQM Program'!U16=F4),NA(),\"\")","v":""},"DTIs over 45% can't pair with LTVs 85.01-90%",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["Total",{"$f":"SUM(B43:B62)+SUM(G43:G60)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["Occupancy"]
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[{"$f":"OR('NonQM Program'!U10='Feed(WS)'!B3:B8)","v":false},"<80% LTV's"]
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[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Base Rate / Base Price",null,null,null,null,null,null,"Base Rate / Base Price"]
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[]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(J174:L174)","v":0}]
[null,"Near Par Rate - BPC",null,{"$f":"IF(E177=0,\"\",N126)","v":""},{"$f":"IF(N128>D32,D32,N128)","v":0}]
[null,"Near Par Rate - BPC",null,null,{"$f":"IF(E177>'NonQM Program'!V32,'NonQM Program'!V32,E177)","v":0}]
[]
[null,"Near Par Rate - LPC",null,{"$f":"M174","v":0},{"$f":"M176","v":0}]
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[]
[null,null,null,null,null,null,null,"19000 MacArthur Blvd, Suite 300",null,null,null,null,null,null,"30 Day Lock Period"]
[null,null,null,null,null,null,null,"Irvine, CA 92612",null,null,null,null,null,"Borrower Paid Compensation"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Effective Date:",null,"2023-02-02"]
["Non QM Program Pricing",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NonQM Price Calculator",null,null,null,"Calculator does not verify eligibility.\nPlease use in conjunction with product matrix."]
[]
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[7.125,100,100,100,99.5,null,"720-739",null,-0.25,-0.5,-0.75,-1.25,-1.75,-2.25,-4.25,-5.5,{"$error":"#N/A"},null,"Additional Adjs",null,"Choose a Selection",{"$f":"IF(AND(OR(U10='Feed(WS)'!B9:B10),OR(U14='Feed(WS)'!E4:E6)),NA(),IF((AND((IF(U10=\"85.01-90\",1,0))=1,(IF(U13=\"DSCR\",1,0))=1))=TRUE,NA(),(IF(OR((AND(OR(U11='Feed(WS)'!$A$7:$A$12),IF(U10=\"80.01-85\",1,0),IF(U13=\"DSCR\",1,0)))=TRUE,(AND(OR(U11='Feed(WS)'!A6:A12),IF(U10=\"80.01-85\",1,0),IF(U13=\"DSCR\",1,0),OR(U18='Feed(WS)'!J4:J9))=TRUE)),NA(),IF(U14=\"Choose a Selection\",0,(IF(U14=\"None in this Dropdown\",0,IF(U14=\"12 Month Full / Alt Doc\",0,INDEX(I$35:I$69,MATCH(U14,G$35:G$69,0))))))))))","v":0}]
[7.25,100.25,100.25,100.25,99.75,null,"700-719",null,-0.5,-1,-1.5,-2,-2.5,-3,-4.75,-6,{"$error":"#N/A"},null,"Citizenships",null,"Choose a Selection",{"$f":"(IF(U15=\"US Citizen\",0,(IF(U15=\"Permanent Resident\",0,(IF(U15=\"Non Perm Resident\",0,(IF(U15=\"ITIN\",VLOOKUP(U15,G35:I69,3,0),(IF(U15=\"Foreign Nat' No Fico\",INDEX(I13:Q21,MATCH(U15,G13:G21,0),MATCH(U10,I10:Q10)),IF(U15=\"Foreign Nat' With Fico\",IF(U15=\"Foreign Nat' With Fico\",INDEX(G35:I69,(MATCH(U15,G35:G69,0)),3)),NA())))))))))))","v":{"$error":"#N/A"}},"No Ratio 0.75 - 0.99 (Review Matrix for LTV Qualification) ",null,null,null,"Alt Doc Column Includes"]
[7.375,100.5,100.5,100.5,100,null,"680-699",null,-0.75,-1.5,-2.25,-2.75,-3.25,-3.75,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"DTI",null,"Choose a Selection",{"$f":"IF(U16=\"DTI ≥50% - All Doc Types\",IF((AND(IF(U16=\"DTI ≥50% - All Doc Types\",1,0),(IF(U18=\"Purchase\",1,0)),(IF(U19=\"Primary\",1,0)),(IF(OR(U10='Feed(WS)'!B3:B8),1,0)),(IF(OR(U11='Feed(WS)'!A6:A9),1,0)),(IF(U12=\"A+\",1,0)))),IF(U16=\"Choose a Selection\",0,(IF(U16=\"DTI  ≤45% - All Doc Types\",0,IF(U16=\"No DTI Program\",0,INDEX(I$35:I$69,MATCH(U16,G$35:G$69,0)))))),NA()), IF((AND(IF(U16=\"DTI ≥50% - All Doc Types\",1,0),(IF(U18<>\"Purchase\",1,0)))),NA(),IF(U16=\"Choose a Selection\",0,(IF(U16=\"DTI ≤45% - All Doc Types\",0,IF(U16=\"No DTI Program\",0,INDEX(I$35:I$69,MATCH(U16,G$35:G$69,0))))))))","v":0},null,null,null,null,"12 Bank Statements"]
[7.4989999999999997,100.75,100.75,100.75,100.25,null,"660-679",null,-1.25,-2,-2.75,-3.25,-3.75,-4.25,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"Loan Balance",null,"Choose a Selection",{"$f":"IF(U17=\"Choose a Selection\",0,((IF(U17=\"$5,000,001-$7,500,000\",\"Call Lock Desk\",IF(U17=\"$7,500,001-$10,000,000\",\"Call Lock Desk\",INDEX(I$35:I$69,MATCH(U17,G$35:G$69,0)))))))","v":0},null,null,null,null,"12 or 24 CPA P&L"]
[7.625,101,101,101,100.5,null,"640-659",null,-2,-2.75,-3.5,-4,-4.75,-5.5,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"Purpose",null,"Choose a Selection",{"$f":"IF(AND(OR(U18='Feed(WS)'!J5:J9),U10=\"85.01-90\"),NA(),IF(ISERROR(IF(OR(U18=\"Purchase\",U18=\"Rate/Term Refi\"),0,INDEX(I$35:I$69,MATCH(U18,G$35:G$69,0)))),0,INDEX(I$35:I$69,MATCH(U18,G$35:G$69,0))))","v":0},null,null,null,null,"Asset Utlization W/ Bank Stmt"]
[7.75,101.25,101.25,101.25,100.75,null,"620-639",null,-2.5,-3.25,-4,-4.75,-5.5,-6.25,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"Occupancy",null,"Choose a Selection",{"$f":"IF(OR('Feed(WS)'!A66:A70=TRUE),IF(U19=\"Choose a Selection\",0,(IF(OR(U19=\"Primary\"),0,IF(OR(U19=\"Non-Owner (Alt Doc/DSCR)\"),0,INDEX(I$35:I$69,MATCH(U19,G$35:G$69,0)))))),NA())","v":{"$error":"#N/A"}}]
[7.875,101.5,101.5,101.5,101,null,"600-619",null,-3,-3.75,-4.5,-5.25,-6.25,-7.25,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"Property Type",null,"Choose a Selection",{"$f":"IF(AND(OR(U10='Feed(WS)'!B8:B10),OR(U20='Feed(WS)'!K7)),NA(),IF(U17=\"Choose a Selection\",0,(IF(OR(U20=\"SFR\",U20=\"1-2 Units\",U20=\"PUD\",U20=\"Condo\"),0,INDEX(I$35:I$69,MATCH(U20,G$35:G$69,0))))))","v":0}]
[7.9989999999999997,101.75,102,102,101.5,null,"Foreign Nat' No Fico",null,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"Loan Term",null,"30YR Fixed",{"$f":"IF(AND(U10='Feed(WS)'!B10,OR(U21='Feed(WS)'!M5:M6,U21='Feed(WS)'!M9,U21='Feed(WS)'!M12)),NA(),INDEX(Q34:Q44,MATCH(U21,O34:O44,0)))","v":0},null,null,null,null,"DSCR/No Ratio Column Includes"]
[8.125,102,102.25,102.25,101.75,null,null,null,null,null,null,null,null,null,null,null,null,null,"Escrow",null,"Escrow Not Waived",{"$f":"IF(U22=\"Escrow Not Waived\",0,INDEX(I$35:I$69,MATCH(U22,G$35:G$69,0)))","v":0},null,null,null,null,"DSCR"]
[8.25,102.25,102.5,102.5,102,null,"Select (Full/Alt) FICO/LTV Price Adjustments",null,null,null,null,null,null,null,null,null,null,null,"Prepayment Penalty",null,"No PPP *See PPP Section*",{"$f":"IF(OR(U19=\"Primary\",U19=\"Second Home\"),0,INDEX(I$35:I$69,MATCH(U23,G$35:G$69,0)))","v":-1.5},"MINIMUM 3 YEAR PPP REQUIRED ON >80% LTVs",null,null,null,"No Ratio"]
[8.375,102.5,102.75,102.75,102.25,null,null,null,"<=50","50.01-60","60.01-65","65.01-70","70.01-75","75.01-80","80.01-85","85.01-90","90.01-95",null,"State",null,"All Other States",0,null,null,null,null,"V100521"]
[8.4990000000000006,{"$error":"#N/A"},103,103,102.5,null,"780+",null,0.5,0.375,0.25,0.125,-0.125,-0.375,-1.625,-2.75,{"$error":"#N/A"},null,"Lock Term",null,"30 Day",{"$f":"INDEX(M44:M46,MATCH(U25,K44:K46,0))","v":0},null,null,null,null,"V091721"]
[8.625,{"$error":"#N/A"},103.25,103.25,102.75,null,"760-779",null,0.5,0.375,0.25,0.125,-0.125,-0.375,-1.625,-2.875,{"$error":"#N/A"},null,{"$f":"IF(U26='Feed(WS)'!V2,\"\",\"Inv. & 2nd Home >80% LTV\")","v":""},null,{"$f":"'Feed(WS)'!X2","v":"Not Applicable"},{"$f":"IF(U26='Feed(WS)'!V2,\"\",IF(U26='Feed(WS)'!V3,VLOOKUP('Feed(WS)'!V1,G$35:I$69,3),0))","v":""},null,null,null,null,"V110121"]
[8.75,{"$error":"#N/A"},103.5,103.5,103,null,"740-759",null,0.375,0.25,0.125,0,-0.25,-0.5,-2,-3.375,{"$error":"#N/A"},null,null,null,null,null,0,null,null,null,"V121021.1"]
[8.875,{"$error":"#N/A"},103.75,103.75,103.25,null,"720-739",null,0.25,0.125,0,-0.125,-0.375,-0.625,-2.5,-3.875,{"$error":"#N/A"},null,null,null,null,null,"Calculator does not verify eligibility.\nPlease use in conjunction with product matrix.",null,null,null,"V20220120.0"]
[8.9990000000000006,{"$error":"#N/A"},104.25,104.25,103.75,null,"700-719",null,0.125,0,-0.125,-0.5,-0.875,-1.125,-3.375,{"$error":"#N/A"},{"$error":"#N/A"},null,"  Total LLPA",null,null,{"$f":"SUM(V11:V28)+W13","v":{"$error":"#N/A"}},null,null,null,null,"*** Extension Cost"]
[9.125,{"$error":"#N/A"},104.5,104.5,104,null,"680-699",null,0,-0.25,-0.5,-0.875,-1.375,-1.625,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"  Gross Rate Sheet Price (Prior to LLPAs)",null,null,{"$f":"INDEX(A10:E49,MATCH(U9,A10:A49,0),MATCH(U13,B10:E10,0)+1)","v":{"$error":"#N/A"}}]
[9.25,{"$error":"#N/A"},104.75,104.75,104.25,null,"660-679",null,-0.75,-0.75,-1,-1.375,-1.875,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"  Net Price: Rate Sheet - LLPA (Prior to Min/Max YSP)",null,null,{"$f":"IFERROR(V30+V29,\"Minimum Rate\")","v":"Minimum Rate"},null,null,null,null,{"$f":"+K61","v":"Temporary Guidance See Below\nExtension Cost\n\n15 Days Max Extensions per schedule below\n\nRates <=8.500% @ 7 bps /day\nRates <=9.500% @ 5 bps / day\nRates >9.500% @ 2 bps / day\nExtension Cost\n\nCurrent lock extension costs/policies apply to all active locks, regardless of lock date\n\nAll 45 day locks are at a 50bp cost and are not eligible for lock extensions"}]
[9.375,{"$error":"#N/A"},105,105,104.5,null,null,null,null,null,null,null,null,null,null,null,null,null,"  Max YSP",null,null,{"$f":"'Feed(WS)'!D32","v":0}]
[9.4990000000000006,{"$error":"#N/A"},105.25,105.25,104.75,null,"Loan Level Price Adjustments",null,null,null,"Grades",null,null,null,"Loan Term",null,null,null,"Final Price  →",null,null,{"$f":"IFERROR(IF(V31>V32,IF((V31+V34)<V32,V31+V34,V32),V31+V34),\"Final Price\")","v":"Final Price"}]
[9.625,{"$error":"#N/A"},105.5,105.5,105,null,null,null,"LLPA",null,"Select Standard",null,0,null,"15YR Fixed",null,0.25,null,"Borrower Paid Comp Only"]
[9.75,{"$error":"#N/A"},105.75,105.75,105.25,null,"DTI >45% - All Doc Types",null,0,null,"A+",null,0.25,null,"30YR Fixed",null,0,null,null,null,null,null,{"$f":"CONCATENATE('Feed(WS)'!B177,\" \",'Feed(WS)'!D177,\"%\"&\" @ \"&'Feed(WS)'!E177)","v":"Near Par Rate - BPC % @ 0"}]
[9.875,{"$error":"#N/A"},106,106,105.5,null,"DTI ≥50% - All Doc Types",null,-0.5,null,"A",null,-1.25,null,"30YR IO Fixed",null,-0.5]
[9.9990000000000006,{"$error":"#N/A"},106.25,106.25,105.75,null,"ITIN",null,-2,null,"B",null,-2,null,"40YR Fixed",null,-0.5]
[10.125,{"$error":"#N/A"},106.5,106.5,106,null,"VOE Only",null,-0.75,null,"C",null,-2,null,"40YR IO Fixed",null,-0.75]
[10.25,{"$error":"#N/A"},106.75,106.75,106.25,null,"1099 Only",null,-0.75,null,"Select - DSCR",null,1,null,"5/6 30YR ARM",null,0]
[10.375,{"$error":"#N/A"},107,107,106.5,null,"Asset Utilization",null,-0.75,null,"DSCR (≥1.00)",null,0,null,"5/6 30YR IO ARM",null,-0.5,null,"Loan Number",null,null,"Borrower Name"]
[10.499000000000001,{"$error":"#N/A"},107.25,107.25,106.75,null,"Debt Consol. >70% LTV",null,-1,null,"No Ratio (0.75-0.99)",null,-2,null,"5/6 40YR ARM",null,-0.5]
[10.625,{"$error":"#N/A"},107.5,107.5,107,null,"Debt Consol. ≤ 70% LTV",null,-0.5,null,null,null,null,null,"7/6 30YR ARM",null,0]
[10.75,{"$error":"#N/A"},107.75,107.75,107.25,null,"Cash-Out >70% LTV",null,-1,null,"Lock Days",null,null,null,"7/6 30YR IO ARM",null,-0.5]
[10.875,{"$error":"#N/A"},108,108,107.5,null,"Cash-Out ≤ 70% LTV",null,-0.5,null,"15 Day",null,0,null,"7/6 40YR ARM",null,-0.5]
[10.999000000000001,{"$error":"#N/A"},108.25,108.25,107.75,null,"2 Units",null,0,null,"30 Day",null,0]
[11.125,{"$error":"#N/A"},108.5,108.5,108,null,"3-4 Units",null,-0.5,null,"45 Day",null,-0.5,null,"Max Price",null,null,null,"\n*6 months interest on 80% of the original principal balance\nMinimum 3 Year Prepay Required for All Investment/DSCR Loans with LTV’s >80% \nMinimum 6 Months Prepay required except in the following states \nNot allowed in DE, IL, KS1, MD, MI, MN, ND, NJ2, NM, OH, PA, RI\n1PPPs in Kansas are limited to 6 months only\n2PPPs allowed for loans closed in the name of \na Corporation or LLC in NJ\n*PPP is only Allowed on the following\nNon-TRID Loans -  Investment\nNon-TRID Loans - DSCR\nNo PPP price option only allowed where prohibited by State\n\n"]
[11.25,{"$error":"#N/A"},108.75,108.75,108.25,null,"Second Home",null,-0.75,null,null,null,null,null,"Owner Occ/Sec Home",null,100]
[11.375,{"$error":"#N/A"},109,109,108.5,null,"No PPP \"See PPP Section\"",null,-1.5,null,"Minimum Rates by Doc Type",null,null,null,"Loans W/ No PPP",null,99]
[11.499000000000001,{"$error":"#N/A"},109.25,109.25,108.75,null,"6 Months PPP",null,-1.5,null,"Select","Full/Alt Doc","DSCR",null,"Loans W/ 6 Month PPP",null,99]
[null,null,null,null,null,null,"12 Months PPP",null,-1,null,6.7500000000000004E-2,6.8750000000000006E-2,7.1249999999999994E-2,null,"Loans W/ 1YR PPP",null,100]
["Non QM Prelocks",null,null,null,null,null,"24 Months PPP",null,-0.5,null,0,null,0,null,"Loans W/ 2YR PPP",null,100]
["Non-QM Pre-Locks may be locked for 30 or 45 days\n30 day Non-QM Pre-Locks are eligible for up to 15 days of extensions at cost                                                                                                            All Non-QM Pre-Locks must be Submittal Completed/Submitted within 10 days or Lock will be cancelled\nAll 45 day locks are at a 50bp cost and are not eligible for lock extensions\nAll Non-QM locks that expire will be subject to a 25bp Relock Fee and Worse Case Pricing \n",null,null,null,null,null,"36 Months PPP",null,0,null,null,null,null,null,"Loans W/ 3YR PPP",null,100]
[null,null,null,null,null,null,"48 Months PPP",null,0.25,null,null,null,null,null,"Loans W/ 4YR PPP",null,100]
[null,null,null,null,null,null,"60 Months PPP",null,0.5,null,null,null,null,null,"Loans W/ 5YR PPP",null,100]
[null,null,null,null,null,null,"Escrow Waived",null,-0.25,null,"Loan Term","Caps","Floor",null,">$3,000,000",null,99.5]
[null,null,null,null,null,null,"NW Condo",null,-1,null,"5/6 ARM","2/1/5","=Rate",null,"80.01-90.00% LTV",null,100]
[null,null,null,null,null,null,"<$150,000",null,-1,null,"7/6 ARM","5/1/5",null,null,"ITIN/Foreign National",null,100]
[null,null,null,null,null,null,"$150,000-$1,000,000",null,0,null,"Index","6mo SOFR"]
[null,null,null,null,null,null,">$1,000,000",null,0.25,null,"Reset Frequency",null,"6 Mo",null,"ARM Margins"]
[null,null,null,null,null,null,">$1,500,000",null,0,null,null,null,null,null,"Occupancy",null,"Margin"]
[null,null,null,null,null,null,">$2,000,000",null,-0.5,null,"Temporary Guidance See Below\nExtension Cost\n\n15 Days Max Extensions per schedule below\n\nRates <=8.500% @ 7 bps /day\nRates <=9.500% @ 5 bps / day\nRates >9.500% @ 2 bps / day\nExtension Cost\n\nCurrent lock extension costs/policies apply to all active locks, regardless of lock date\n\nAll 45 day locks are at a 50bp cost and are not eligible for lock extensions",null,null,null,"Primary Home",null,4]
[null,null,null,null,null,null,">$2,500,000",null,-0.5,null,null,null,null,null,"Second Home",null,4]
[null,null,null,null,null,null,">$3,000,000",null,-1.5,null,null,null,null,null,"Investment Home",null,4]
[null,null,null,null,null,null,">$3,500,000",null,-1.5]
[null,null,null,null,null,null,">$4,000,000",null,-1.5]
[null,null,null,null,null,null,"Foreign Nat' With Fico",null,-1.5]
[null,null,null,null,null,null,"Purchase",null,0]
[null,null,null,null,null,null,"Inv. & 2nd Home >80% LTV",null,-1]
[null,null,null,null,null,null,"Full Doc - Non-Owner",null,-0.5]

{"sheet":"Cover Page","index":2,"n_rows":45,"n_cols":18,"rows_kept":45,"cut":false,"hidden":true,"merged":[[24,4,24,5],[26,6,26,8],[27,6,27,8],[25,4,25,5],[27,4,27,5],[25,6,25,8],[20,6,20,8],[20,2,20,3],[20,4,20,5],[36,17,36,19],[25,13,26,15],[27,13,28,15],[32,17,32,19],[30,17,30,19],[28,17,28,19],[26,17,26,19],[30,4,30,5],[21,6,21,8],[22,6,22,8],[23,6,23,8],[24,6,24,8],[28,6,28,8],[23,13,24,15],[11,1,11,21],[15,17,15,19],[24,17,24,19],[13,8,13,10],[14,8,16,10],[19,13,20,15],[17,13,18,15],[13,5,13,6],[18,17,18,20],[14,5,14,6],[20,17,20,19],[14,13,16,15],[19,2,19,9],[21,13,22,15],[24,2,24,3],[28,2,28,3],[28,4,28,5],[25,2,25,3],[27,2,27,3],[26,2,26,3],[26,4,26,5],[21,2,21,3],[21,4,21,5],[22,2,22,3],[22,4,22,5],[23,2,23,3],[23,4,23,5],[13,13,13,20],[13,2,13,4],[14,3,14,4],[15,2,15,4],[16,2,16,4],[15,5,15,6],[16,5,16,6],[44,1,44,21],[43,1,43,21],[36,2,36,3],[38,2,38,3],[36,5,36,6],[38,5,38,6],[36,8,36,9],[38,8,38,9],[38,17,38,19],[29,13,38,15],[29,2,29,3],[29,4,29,5],[30,6,30,8],[29,6,29,8],[30,2,30,3],[34,17,34,19]]}
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,"19000 MacArthur Boulevard, 2nd Floor"]
[null,null,null,null,null,null,null,null,null,"Irvine, CA 92612"]
[]
[]
[]
[]
[]
[null,"LoanStream Mortgage Wholesale NANQ Rate Sheet"]
[]
[null,null,"Underwriting Fee",null,null,"Relock Fee",null,null,"Mortgagee Clause",null,null,null,null,"Contact list"]
[null,null,"NANQ",1295,null,-0.25,null,null,"OCMBC, INC. ISAOA \n19000 MacArthur Blvd, Ste. 200 Irvine, CA 92612",null,null,null,null,"Corporate \nHeadquarters:",null,null,"Phone:","800-760-1833"]
[null,null,"DOC Fee - All Loans",null,null,"Extension Fee",null,null,null,null,null,null,null,null,null,null,"Email:","Inquires@LSMortgage.com"]
[null,null,79,null,null,"0.02/Day"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"NAN-Q\n Prequals",null,null,"Phone:","Email Only"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Email:","EZQual@LSMortgage.com"]
[null,null,"Current Turn Times",null,null,null,null,null,null,null,null,null,null,"U/W Loan \nScenarios NAN-Q",null,null,"Phone:","Email Only"]
[null,null,"Stage",null,"Turn Times",null,"Department Hours",null,null,"Cutoff Time",null,null,null,null,null,null,"Email:","NANQScenario@LSMortgage.com"]
[null,null,"PreQual",null,"24-48 Hours",null,"PreQual Desk Hours: 8:00 AM-5:00 PM PST",null,null,"3:00 PM PST",null,null,null,"Submission Desk",null,null,"Phone:","Email Only"]
[null,null,"Set-up",null,"24-48 Hours",null,"Setup Desk Hours: 8:00 AM-6:00 PM PST",null,null,null,null,null,null,null,null,null,"Email:","Submissions_LS@LSMortgage.com"]
[null,null,"New Underwrite",null,"24-48 Hours",null,"Underwriting Hours: 7:00 AM-6:00 PM PST",null,null,"3:00 PM PST",null,null,null,"Lock Desk:",null,null,"Phone:","949-679-7059"]
[null,null,"Conditions Review",null,"24-48 Hours",null,"Underwriting Hours: 7:00 AM-6:00 PM PST",null,null,"3:00 PM PST",null,null,null,null,null,null,"Email:","LockDesk@LSMortgage.com"]
[null,null,"Part \"A\" QC",null,"48-72 Hours",null,"PreQual Desk Hours: 8:00 AM-5:00 PM PST",null,null,"3:30 PM PST",null,null,null,"CD Desk:",null,null,"Phone:","Email Only"]
[null,null,"Lock Desk",null,"SameDay",null,"Lock Desk Hours are: 8:30 AM - 5:00 PM PST",null,null,"5:00 PM PST",null,null,null,null,null,null,"Email:","CD@LSMortgage.com"]
[null,null,"CTC Review",null,"SameDay",null,"Underwriting Hours: 7:00 AM-6:00 PM PST",null,null,"1:00 PM PST",null,null,null,"Funding Department:",null,null,"Phone:","Email Only"]
[null,null,"CD",null,"SameDay",null,"CD Desk Hours: 7:30 AM-6:00 PM PST",null,null,"12:00 PM PST",null,null,null,null,null,null,"Email:","Funding@LSMortgage.com"]
[null,null,"DOCS",null,"SameDay",null,"DOCS Desk Hours: 7:30 AM-6:00 PM PST",null,null,"12:00 PM PST",null,null,null,"Management \nEscalations",null,null,"Name:","David Racer / Operations"]
[null,null,"Funding",null,"SameDay",null,"Funding Desk Hours: 5:30 AM-5:00 PM PST",null,null,"12:30 PM PST",null,null,null,null,null,null,"Email:","DRacer@LSMortgage.com"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Name:","Natalie Hernandez / Closing"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Email:","NHernandez@LSMortgage.com"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Name:","Nikki Allen / Underwriting"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Email:","NAllen@LSMortgage.com"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Name:","Adam Elway / Capital Markets"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Email:","AElway@LSMortgage.com"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Name:","Moe Aziz / Secondary"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Email:","MAziz@LSMortgage.com"]
[]
[]
[]
[]
[null,"RATES AND LLPAs ARE SUBJECT TO CHANGE WITHOUT NOTICE.  "]
[null,"THIS INFORMATION IS INTENDED FOR PROFESSIONAL OR BUSINESS USE ONLY.  NOT FOR CONSUMER DISTRIBUTION."]

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