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[null,null,null,null,null,null,null,"LoanStream Mortgage",null,null,null,null,null,null,"Wholesale Ratesheet"]
[]
[null,null,null,null,null,null,null,"19000 MacArthur Blvd, Suite 200",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,"2022-10-03"]
[null,"NanQ \"ONE\" Program",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PriceOne Calculator"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Inputs","Wholesale Ratesheet",null,null,null,{"$f":"O5","v":"2022-10-03"},"Full Doc Column Includes"]
[null,"Base Rate / Base Price",null,null,null,null,"FICO/LTV Price Adjustments",null,null,null,null,null,null,null,null,null,null,null," Interest Rate →",null,0,null,null,null,null,null,"Tax Returns"]
[null,"Rate","Full Doc","Alt Doc","DSCR",null,null,null,"<=50","50.01-60","60.01-65","65.01-70","70.01-75","75.01-80","80.01-85","85.01-90","90.01-95",null,"LTV Range",null,"Choose a Selection",null,null,null,null,null,"1099 Only"]
[null,6.75,99,99,{"$error":"#N/A"},null,"740+",null,0,-0.25,-0.5,-0.75,-1.25,-1.75,-3.75,-5,{"$error":"#N/A"},null,"FICO Range",null,"Choose a Selection",{"$f":"IF(U11=\"Choose Selection\",0,(IF((ISERROR((IF(U15=\"Foreign Nat' With Fico\",0,(INDEX(I11:Q19,MATCH(U11,G11:G19,0),MATCH(U10,I10:Q10)))))))=TRUE,NA(),(INDEX(I11:Q19,MATCH(U11,G11:G19,0),MATCH(U10,I10:Q10))))))","v":{"$error":"#N/A"}},null,null,null,null,"Asset Utilization Only"]
[null,6.875,99.25,99.25,{"$error":"#N/A"},null,"720-739",null,-0.25,-0.5,-0.75,-1.25,-1.75,-2.25,-4.25,-5.5,{"$error":"#N/A"},null,"Grade",null,"Choose a Selection",{"$f":"IF(U12=\"Choose a Selection\",0,(INDEX(M22:M29,MATCH(U12,K22:K29,0))))","v":0},null,null,null,null,"Asset Utilization W/ Full Doc"]
[null,6.9989999999999997,99.5,99.5,{"$error":"#N/A"},null,"700-719",null,-0.5,-1,-1.5,-2,-2.5,-3,-4.75,-6,{"$error":"#N/A"},null,"Doc Type",null,"Choose a Selection"]
[null,7.125,99.75,99.75,99,null,"680-699",null,-0.75,-1.5,-2.25,-2.75,-3.25,-3.75,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"Additional Adjs",null,"Choose a Selection",{"$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$5:$A$10),IF(U10=\"80.01-85\",1,0),IF(U13=\"DSCR\",1,0)))=TRUE,(AND(OR(U11='Feed(WS)'!A3:A10),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$23:I$52,MATCH(U14,G$23:G$52,0))))))))))","v":0}]
[null,7.25,100,100,99.25,null,"660-679",null,-1.25,-2,-2.75,-3.25,-3.75,-4.25,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"Citizenships",null,"Choose a Selection",{"$f":"(IF(U15=\"US Citizen\",0,(IF(U15=\"Permanent Resident\",0,(IF(U15=\"Non Perm Resident\",0,(IF(U15=\"ITIN\",VLOOKUP(U15,G23:I51,3,0),(IF(U15=\"Foreign Nat' No Fico\",INDEX(I11:Q19,MATCH(U15,G11:G19,0),MATCH(U10,I10:Q10)),IF(U15=\"Foreign Nat' With Fico\",IF(U15=\"Foreign Nat' With Fico\",INDEX(G23:I51,(MATCH(U15,G23:G51,0)),3)),NA())))))))))))","v":{"$error":"#N/A"}},null,null,null,null,"Alt Doc Column Includes"]
[null,7.375,100.25,100.25,99.5,null,"640-659",null,-2,-2.75,-3.5,-4,-4.75,-5.5,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"DTI",null,"Choose a Selection",{"$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)'!A3:A7),1,0)),(IF(U12=\"A+\",1,0)))),IF(U16=\"Choose a Selection\",0,(IF(U16=\"DTI <50% - All Doc Types\",0,IF(U16=\"No DTI Program\",0,INDEX(I$23:I$51,MATCH(U16,G$23:G$51,0)))))),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 <50% - All Doc Types\",0,IF(U16=\"No DTI Program\",0,INDEX(I$23:I$51,MATCH(U16,G$23:G$51,0))))))))","v":0},null,{"$f":"W35","v":0},null,null,"12 Bank Statements"]
[null,7.4989999999999997,100.5,100.5,99.75,null,"620-639",null,-2.5,-3.25,-4,-4.75,-5.5,-6.25,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"Loan Balance",null,"Choose a Selection",{"$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$23:I$51,MATCH(U17,G$23:G$51,0)))))))","v":0},"No Ratio 0.75 - 0.99 (Review Matrix for LTV Qualification) ",null,null,null,"12 or 24 CPA P&L"]
[null,7.625,100.75,100.75,100,null,"600-619",null,-3,-3.75,-4.5,-5.25,-6.25,-7.25,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"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$23:I$51,MATCH(U18,G$23:G$51,0)))),0,INDEX(I$23:I$51,MATCH(U18,G$23:G$51,0))))","v":0},null,null,null,null,"Asset Utlization W/ Bank Stmt"]
[null,7.75,101,101,100.25,null,"Foreign Nat' No Fico",null,{"$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,"Occupancy",null,"Choose a Selection",{"$f":"IF(OR('Feed(WS)'!A55:A58=TRUE),IF(U19=\"Choose a Selection\",0,(IF(OR(U19=\"Primary\"),0,IF(OR(U19=\"Non-Owner (Alt Doc/DSCR)\"),0,INDEX(I$23:I$51,MATCH(U19,G$23:G$51,0)))))),NA())","v":{"$error":"#N/A"}}]
[null,7.875,101.25,101.25,100.5,null,null,null,null,null,null,null,null,null,null,null,null,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$23:I$51,MATCH(U20,G$23:G$51,0))))))","v":0}]
[null,7.9989999999999997,102,102,101.25,null,"Loan Level Price Adjustments",null,null,null,"Grades",null,null,null,"Loan Term",null,null,null,"Loan Term",null,"30YR Fixed",{"$f":"IF(AND(U10='Feed(WS)'!B10,OR(U21='Feed(WS)'!M5:M6,U21='Feed(WS)'!M9,U21='Feed(WS)'!M12)),NA(),INDEX(Q22:Q32,MATCH(U21,O22:O32,0)))","v":0},null,null,null,null,"DSCR/No Ratio Column Includes"]
[null,8.125,102.25,102.25,101.5,null,null,null,"LLPA",null,"Select - Standard",null,0.75,null,"15YR Fixed",null,0.25,null,"Escrow",null,"Escrow Not Waived",{"$f":"IF(U22=\"Escrow Not Waived\",0,INDEX(I$23:I$51,MATCH(U22,G$23:G$51,0)))","v":0},null,null,null,null,"DSCR"]
[null,8.25,102.5,102.5,101.75,null,"DTI ≥50% - All Doc Types",null,-0.5,null,"A+",null,0.25,null,"30YR Fixed",null,0,null,"Prepayment Penalty",null,"No PPP *See PPP Section*",{"$f":"IF(OR(U19=\"Primary\",U19=\"Second Home\"),0,INDEX(I$23:I$51,MATCH(U23,G$23:G$51,0)))","v":-1.5},null,null,null,null,"No Ratio"]
[null,8.375,102.75,102.75,102,null,"Full Doc - Non-Owner",null,-0.5,null,"A",null,-1.25,null,"30YR IO Fixed",null,-0.5,null,"State",null,"All Other States",0]
[null,8.4990000000000006,103,103,102.25,null,"ITIN",null,-2,null,"B",null,-2,null,"40YR Fixed",null,-0.5,null,"Lock Term",null,"30 Day",{"$f":"INDEX(M32:M34,MATCH(U25,K32:K34,0))","v":0}]
[null,8.625,103.25,103.25,102.5,null,"VOE Only",null,-0.75,null,"C",null,-2,null,"40YR IO Fixed",null,-0.75,null,"Purchase Special",null,"Choose a Selection",0]
[null,8.75,103.5,103.5,102.75,null,"1099 Only",null,-0.75,null,"Select - DSCR",null,0.5,null,"5/6 30YR ARM",null,0,null,null,null,null,{"$f":"'Feed(WS)'!B52","v":0},0]
[null,8.875,103.75,103.75,103,null,"Asset Utilization",null,-0.75,null,"DSCR (≥1.00)",null,0,null,"5/6 30YR IO ARM",null,-0.5,null,"  Total LLPA",null,null,{"$f":"SUM(V11:V27)","v":{"$error":"#N/A"}}]
[null,8.9990000000000006,104.25,104.25,103.5,null,"Debt Consol. >70% LTV",null,-0.75,null,"No Ratio (0.75-0.99)",null,-1.5,null,"5/6 40YR ARM",null,-0.5,null,"  Gross Rate Sheet Price (Prior to LLPAs)",null,null,{"$f":"INDEX(B11:E55,MATCH(U9,B11:B55,0),MATCH(U13,C10:E10,0)+1)","v":{"$error":"#N/A"}},null,null,null,null,"*** Extension Cost"]
[null,9.125,104.5,104.5,103.75,null,"Debt Consol. ≤ 70% LTV",null,-0.25,null,null,null,null,null,"7/6 30YR ARM",null,0,null,"  Net Price: Rate Sheet - LLPA (Prior to Min/Max YSP)",null,null,{"$f":"IFERROR(V29+V28,\"Minimum Rate\")","v":"Minimum Rate"}]
[null,9.25,104.75,104.75,104,null,"Cash-Out >70% LTV",null,-0.75,null,"Lock Days",null,null,null,"7/6 30YR IO ARM",null,-0.5,null,"  Max YSP",null,null,{"$f":"'Feed(WS)'!D32","v":0},{"$f":"CONCATENATE(S31,\" \",\"is\",\" \", V31)","v":"  Max YSP is 0"},null,null,null,{"$f":"+K49","v":"Temporary Guidance See Below\nExtension Cost\n\n15 Days Max Extensions per schedule below, above 15 days contact the Lock Desk for exception\n\nRates 6.125% - 6.500% @ 15 bps / day\nRates 6.501% - 7.000% @ 10 bps /day\nRates 7.001% - 8.000% @ 7 bps / day\nRates >8.000% @ 2 bps / day"}]
[null,9.375,105,105,104.25,null,"Cash-Out ≤ 70% LTV",null,-0.25,null,"15 Day",null,0,null,"7/6 40YR ARM",null,-0.5,null,"Final Price  →",null,null,{"$f":"IFERROR(IF(V30>V31,IF((V30+V33)<V31,V30+V33,V31),V30+V33),\"Final Price\")","v":"Final Price"}]
[null,9.4990000000000006,105.25,105.25,104.5,null,"3-4 Units",null,-0.5,null,"30 Day",null,0,null,null,null,null,null,"Borrower Paid Comp Only"]
[null,9.625,105.5,105.5,104.75,null,"Second Home",null,-0.75,null,"45 Day",null,-0.5,null,"Max Price",null,null,null,null,null,null,null,{"$f":"CONCATENATE('Feed(WS)'!B177,\" \",'Feed(WS)'!D177,\"%\"&\" @ \"&'Feed(WS)'!E177)","v":"Near Par Rate - BPC 0% @ 0"}]
[null,9.75,105.75,105.75,105,null,"No PPP \"See PPP Section\"",null,-1.5,null,null,null,null,null,"Owner Occ/Sec Home",null,100]
[null,9.875,106,106,105.25,null,"6 Months PPP",null,-1.5,null,"Minimum Rates by Doc Type",null,null,null,"Loans W/ No PPP",null,99]
[null,9.9990000000000006,106.25,106.25,105.5,null,"12 Months PPP",null,-1,null,"Full Doc","Alt Doc","DSCR",null,"Loans W/ 6 Month PPP",null,99]
[null,10.125,106.5,106.5,105.75,null,"24 Months PPP",null,-0.5,null,6.7500000000000004E-2,6.7500000000000004E-2,7.1249999999999994E-2,null,"Loans W/ 1YR PPP",null,100]
[null,10.25,106.75,106.75,106,null,"36 Months PPP",null,0,null,"≥$4,000,000",null,{"$error":"#N/A"},null,"Loans W/ 2YR PPP",null,100,null,"Loan Number",null,null,"Borrower Name"]
[null,10.375,107,107,106.25,null,"48 Months PPP",null,0.25,null,null,null,null,null,"Loans W/ 3YR PPP",null,100]
[null,10.499000000000001,107.25,107.25,106.5,null,"60 Months PPP",null,0.5,null,null,null,null,null,"Loans W/ 4YR PPP",null,100,null,null,null,null,null,null,null,null,"Comp?"]
[null,10.625,107.5,107.5,106.75,null,"Escrow Waived",null,-0.25,null,null,null,null,null,"Loans W/ 5YR PPP",null,100]
[null,10.75,107.75,107.75,107,null,"NW Condo",null,-1,null,"Loan Term","Caps","Floor",null,">$3,000,000",null,99.5]
[null,null,null,null,null,null,"<$150,000",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-$1,000,000",null,0,null,"7/6 ARM","5/1/5",null,null,"ITIN/Foreign National",null,100,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, IL1, MD, MI, MN, ND, NJ1, NM, OH, PA, RI\n1Prepay allowed for loans closed in the name of \na Corporation or LLC in IL, and 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“IL ~ no prepayment penalty may be applied on loans where APR exceeds 8%”"]
[null,null,null,null,null,null,">$1,000,000",null,0,null,"Index","6mo SOFR"]
[null,null,null,null,null,null,">$1,500,000",null,-0.25,null,"Reset Frequency",null,"6 Mo",null,"ARM Margins"]
[null,null,null,null,null,null,">$2,000,000",null,-0.75,null,null,null,null,null,"Occupancy",null,"Margin"]
[null,null,null,null,null,null,">$3,000,000",null,-1.5,null,"Temporary Guidance See Below\nExtension Cost\n\n15 Days Max Extensions per schedule below, above 15 days contact the Lock Desk for exception\n\nRates 6.125% - 6.500% @ 15 bps / day\nRates 6.501% - 7.000% @ 10 bps /day\nRates 7.001% - 8.000% @ 7 bps / day\nRates >8.000% @ 2 bps / day",null,null,null,"Primary Home",null,4]
[null,null,null,null,null,null,"Foreign Nat' With Fico",null,-1.5,null,null,null,null,null,"Second Home",null,4]
[null,null,null,null,null,null,"Purchase",null,0,null,null,null,null,null,"Investment Home",null,4]
[null,null,null,null,null,null,"Inv. & 2nd Home >80% LTV",null,-1]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]

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["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","Specials",null,"State"]
["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","Choose a Selection",0,"Choose a Selection"]
["740+","<=50","Select - Standard","Full Doc","None in this Dropdown","DTI <50% - 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","Non-QM Purchase Special",0,"Illinois",null,null,null,null,null,null,null,null," "]
["720-739","50.01-60","A+","Alt Doc","Asset Utilization","DTI ≥50% - All Doc Types","$150,000-$1,000,000","6 Months PPP","Escrow Waived","Refinances","1-2 Units","Second Home","30YR Fixed","30 Day",null,"Permanent Resident","Not Applicable2","DSCR Special",null,"Maryland",null,null,null,null,null,null,null,null," "]
["700-719","60.01-65","A","DSCR","1099 Only","No DTI Program",">$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","None",null,"Michigan",null,null,null,null,null,null,null,null," "]
["680-699","65.01-70","B",null,"VOE Only",null,">$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," "]
["660-679","70.01-75","C",null,"Inv. & 2nd Home >80% LTV",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," "]
["640-659","75.01-80","Select - DSCR",null,null,null,">$3,000,000","48 Months PPP",null,"Cash-Out >70% LTV","PUD",null,"5/6 30YR ARM",null,null,null,null,null,null,"New Jersey",null,null,null,null,null,null,null,null," "]
["620-639","80.01-85","DSCR (≥1.00)",null,null,null,null,"60 Months PPP",null,null,null,null,"5/6 30YR IO ARM",null,null,null,null,null,null,"New Mexico",null,null,null,null,null,null,null,null," "]
["600-619","85.01-90","No Ratio (0.75-0.99)",null,null,null,null,null,null,null,null,null,"5/6 40YR ARM",null,null,null,null,null,null,"Pennsylvania",null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,"7/6 30YR ARM",null,null,null,null,null,null,"Texas"]
[null,null,null,null,null,null,null,null,null,null,null,null,"7/6 30YR IO ARM",null,null,null,null,null,null,"All Other States",null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,"7/6 40YR ARM",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[]
[]
[]
[]
[]
[]
[{"$f":"'NanQ ONE Program'!O34","v":"Max Price"},null,null,"Rules"]
[{"$f":"'NanQ ONE Program'!O35","v":"Owner Occ/Sec Home"},null,{"$f":"'NanQ ONE Program'!Q35","v":100},{"$f":"IF(OR('NanQ ONE Program'!U19=L3:L4),C21,\"\")","v":""}]
[{"$f":"'NanQ ONE Program'!O36","v":"Loans W/ No PPP"},null,{"$f":"'NanQ ONE Program'!Q36","v":99},{"$f":"IF(AND(OR('NanQ ONE Program'!U19=L5:L6),'NanQ ONE 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," "]
[{"$f":"'NanQ ONE Program'!O37","v":"Loans W/ 6 Month PPP"},null,{"$f":"'NanQ ONE Program'!Q37","v":99},{"$f":"IF(AND(OR('NanQ ONE Program'!U19=L5:L6),'NanQ ONE Program'!U23=H4),C23,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[{"$f":"'NanQ ONE Program'!O38","v":"Loans W/ 1YR PPP"},null,{"$f":"'NanQ ONE Program'!Q38","v":100},{"$f":"IF(AND(OR('NanQ ONE Program'!U19=L5:L6),'NanQ ONE 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," "]
[{"$f":"'NanQ ONE Program'!O39","v":"Loans W/ 2YR PPP"},null,{"$f":"'NanQ ONE Program'!Q39","v":100},{"$f":"IF(AND(OR('NanQ ONE Program'!U19=L5:L6),'NanQ ONE Program'!U23=H6),C25,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[{"$f":"'NanQ ONE Program'!O40","v":"Loans W/ 3YR PPP"},null,{"$f":"'NanQ ONE Program'!Q40","v":100},{"$f":"IF(AND(OR('NanQ ONE Program'!U19=L5:L6),'NanQ ONE 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," "]
[{"$f":"'NanQ ONE Program'!O41","v":"Loans W/ 4YR PPP"},null,{"$f":"'NanQ ONE Program'!Q41","v":100},{"$f":"IF(AND(OR('NanQ ONE Program'!U19=L5:L6),'NanQ ONE Program'!U23=H8),C27,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[{"$f":"'NanQ ONE Program'!O42","v":"Loans W/ 5YR PPP"},null,{"$f":"'NanQ ONE Program'!Q42","v":100},{"$f":"IF(AND(OR('NanQ ONE Program'!U19=L5:L6),'NanQ ONE 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":"'NanQ ONE Program'!O43","v":">$3,000,000"},null,{"$f":"'NanQ ONE Program'!Q43","v":99.5},{"$f":"IF('NanQ ONE Program'!U17=G8,C29,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[{"$f":"'NanQ ONE Program'!O44","v":"80.01-90.00% LTV"},null,{"$f":"'NanQ ONE Program'!Q44","v":100},{"$f":"IF(OR('NanQ ONE 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," "]
[{"$f":"'NanQ ONE Program'!O45","v":"ITIN/Foreign National"},null,{"$f":"'NanQ ONE Program'!Q45","v":100},{"$f":"IF(OR('NanQ ONE Program'!U15=P6:P7),C31,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,"Final price  →",{"$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",{"$f":"IF(AND(OR('NanQ ONE Program'!U10='Feed(WS)'!B5:B10),'NanQ ONE Program'!U12=\"No Ratio (0.75-0.99)\"),TRUE,FALSE)","v":false},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["Disqualifiers",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[" Foreign National",{"$f":"IF(AND('NanQ ONE Program'!U15='Feed(WS)'!P7,OR('NanQ ONE Program'!U11='Feed(WS)'!A6:A10)),NA(),\"\")","v":""},"FN minimum 700 Fico rule",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," "]
["ITIN",{"$f":"IF(AND('NanQ ONE Program'!U15='Feed(WS)'!P6,'NanQ ONE Program'!U10=B10),NA(),\"\")","v":""},"ITIN N/A for 85.01-90% LTV",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["ITIN",{"$f":"IF(AND('NanQ ONE Program'!U15='Feed(WS)'!P6,OR('NanQ ONE Program'!U11='Feed(WS)'!A8:A10)),NA(),\"\")","v":""},"ITIN minimum 660 Fico rule for all LTVs",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," "]
[" Foreign National",{"$f":"IF(AND('NanQ ONE Program'!U15='Feed(WS)'!P7,OR('NanQ ONE Program'!U17='Feed(WS)'!G7:G8)),NA(),\"\")","v":""},"FN 0-2 mil loan amount max",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["ITIN",{"$f":"IF(AND('NanQ ONE Program'!U15='Feed(WS)'!P6,OR('NanQ ONE Program'!U17='Feed(WS)'!G6:G8)),NA(),\"\")","v":""},"ITIN 0-1.5 mil loan amount max",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," "]
["85.01-90% LTV",{"$f":"IF(AND('NanQ ONE Program'!U10='Feed(WS)'!B10,'NanQ ONE Program'!U12='Feed(WS)'!C4,OR('NanQ ONE Program'!U19='Feed(WS)'!L4:L6)),NA(),\"\")","v":""},"A+ / NOO - 2nd home / 85.01-90%",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["C Grade >70%",{"$f":"IF(AND('NanQ ONE Program'!U12='Feed(WS)'!C7,OR('NanQ ONE Program'!U10='Feed(WS)'!B7:B10)),NA(),\"\")","v":""},"C Grade /  >70% LTV",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," "]
["PPP >80% LTV",{"$f":"IF(AND(OR('NanQ ONE Program'!U10='Feed(WS)'!B9:B10),OR('NanQ ONE Program'!U19='Feed(WS)'!L5:L6),OR('NanQ ONE Program'!U23='Feed(WS)'!H2:H6)),NA(),\"\")","v":""},"80.01-90% / NOO / 3YR PP Minimum",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["Inv. & 2nd Home >80% LTV",{"$f":"IF(AND(OR('NanQ ONE Program'!U10=B9:B10),OR('NanQ ONE Program'!U19=L4:L6),'NanQ ONE Program'!U14<>E7),NA(),\"\")","v":""},"Inv and 2nd homes >80% / must select hit under \"Additional Adjustments\"",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",{"$f":"SUM(B43:B51)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["Occupancy",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[{"$f":"IF(AND('NanQ ONE Program'!U18='Feed(WS)'!J3,OR('NanQ ONE Program'!U10='Feed(WS)'!B9:B10),'NanQ ONE Program'!U12='Feed(WS)'!C4),TRUE(),FALSE)","v":false},"80.01 - 90%/ A+/ Purch",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," "]
[{"$f":"IF(AND('NanQ ONE Program'!U10='Feed(WS)'!B9,'NanQ ONE Program'!U12='Feed(WS)'!C5,OR('NanQ ONE Program'!U11='Feed(WS)'!A3:A4),'NanQ ONE Program'!U18='Feed(WS)'!J3,'NanQ ONE Program'!U19='Feed(WS)'!L3),TRUE,FALSE)","v":false},"80.01-85% / \"A\" Grade / 720 FICO / Purch / Primary",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[{"$f":"OR('NanQ ONE Program'!U10='Feed(WS)'!B3:B8)","v":false},"<80% LTV's",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," "]
[{"$f":"IF(AND('NanQ ONE Program'!U10='Feed(WS)'!B9,'NanQ ONE Program'!U13='Feed(WS)'!D5,'NanQ ONE Program'!U12='Feed(WS)'!C9,OR('NanQ ONE Program'!U11=A3:A4),'NanQ ONE Program'!U18='Feed(WS)'!J3),TRUE,FALSE)","v":false},"80.01-85% / 720+/ DSCR / >=1.00 Grade / Purch",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Base Rate / Base Price",null,null,null,null,null,null,"Base Rate / Base Price"]
[null,"Coupon","Full Doc","Alt Doc","DSCR",null,"Total LLPA",null,"Coupon","Full Doc","Alt Doc","DSCR",null,0]
[null,{"$f":"'NanQ ONE Program'!B11","v":6.75},{"$f":"'NanQ ONE Program'!C11","v":99},{"$f":"'NanQ ONE Program'!D11","v":99},{"$f":"'NanQ ONE Program'!E11","v":{"$error":"#N/A"}},null,{"$f":"SUM('NanQ ONE Program'!V11:V27)","v":{"$error":"#N/A"}},1,{"$f":"B82","v":6.75},{"$f":"C82+$G$82","v":{"$error":"#N/A"}},{"$f":"D82+$G$82","v":{"$error":"#N/A"}},{"$error":"#N/A"},null,{"$f":"I82:I121","v":6.75}]
[null,{"$f":"'NanQ ONE Program'!B12","v":6.875},{"$f":"'NanQ ONE Program'!C12","v":99.25},{"$f":"'NanQ ONE Program'!D12","v":99.25},{"$f":"'NanQ ONE Program'!E12","v":{"$error":"#N/A"}},null,".",2,{"$f":"B83","v":6.875},{"$f":"C83+$G$82","v":{"$error":"#N/A"}},{"$error":"#N/A"},{"$error":"#N/A"},null,6.875]
[null,{"$f":"'NanQ ONE Program'!B13","v":6.9989999999999997},{"$f":"'NanQ ONE Program'!C13","v":99.5},{"$f":"'NanQ ONE Program'!D13","v":99.5},{"$f":"'NanQ ONE Program'!E13","v":{"$error":"#N/A"}},null,"Total Price",3,6.9989999999999997,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,6.9989999999999997]
[null,{"$f":"'NanQ ONE Program'!B14","v":7.125},{"$f":"'NanQ ONE Program'!C14","v":99.75},{"$f":"'NanQ ONE Program'!D14","v":99.75},{"$f":"'NanQ ONE Program'!E14","v":99},null,{"$f":"'NanQ ONE Program'!V32","v":"Final Price"},4,7.125,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,7.125]
[null,{"$f":"'NanQ ONE Program'!B15","v":7.25},{"$f":"'NanQ ONE Program'!C15","v":100},{"$f":"'NanQ ONE Program'!D15","v":100},{"$f":"'NanQ ONE Program'!E15","v":99.25},null,null,5,7.25,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,7.25]
[null,{"$f":"'NanQ ONE Program'!B16","v":7.375},{"$f":"'NanQ ONE Program'!C16","v":100.25},{"$f":"'NanQ ONE Program'!D16","v":100.25},{"$f":"'NanQ ONE Program'!E16","v":99.5},null,null,6,7.375,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,7.375]
[null,{"$f":"'NanQ ONE Program'!B17","v":7.4989999999999997},{"$f":"'NanQ ONE Program'!C17","v":100.5},{"$f":"'NanQ ONE Program'!D17","v":100.5},{"$f":"'NanQ ONE Program'!E17","v":99.75},null,null,7,7.4989999999999997,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,7.4989999999999997]
[null,{"$f":"'NanQ ONE Program'!B18","v":7.625},{"$f":"'NanQ ONE Program'!C18","v":100.75},{"$f":"'NanQ ONE Program'!D18","v":100.75},{"$f":"'NanQ ONE Program'!E18","v":100},null,{"$f":"'NanQ ONE Program'!U13","v":"Choose a Selection"},8,7.625,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,7.625]
[null,{"$f":"'NanQ ONE Program'!B19","v":7.75},{"$f":"'NanQ ONE Program'!C19","v":101},{"$f":"'NanQ ONE Program'!D19","v":101},{"$f":"'NanQ ONE Program'!E19","v":100.25},null,null,9,7.75,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,7.75]
[null,{"$f":"'NanQ ONE Program'!B20","v":7.875},{"$f":"'NanQ ONE Program'!C20","v":101.25},{"$f":"'NanQ ONE Program'!D20","v":101.25},{"$f":"'NanQ ONE Program'!E20","v":100.5},null,null,10,7.875,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,7.875]
[null,{"$f":"'NanQ ONE Program'!B21","v":7.9989999999999997},{"$f":"'NanQ ONE Program'!C21","v":102},{"$f":"'NanQ ONE Program'!D21","v":102},{"$f":"'NanQ ONE Program'!E21","v":101.25},null,null,11,7.9989999999999997,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,7.9989999999999997]
[null,{"$f":"'NanQ ONE Program'!B22","v":8.125},{"$f":"'NanQ ONE Program'!C22","v":102.25},{"$f":"'NanQ ONE Program'!D22","v":102.25},{"$f":"'NanQ ONE Program'!E22","v":101.5},null,null,12,8.125,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,8.125]
[null,{"$f":"'NanQ ONE Program'!B23","v":8.25},{"$f":"'NanQ ONE Program'!C23","v":102.5},{"$f":"'NanQ ONE Program'!D23","v":102.5},{"$f":"'NanQ ONE Program'!E23","v":101.75},null,null,13,8.25,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,8.25]
[null,{"$f":"'NanQ ONE Program'!B24","v":8.375},{"$f":"'NanQ ONE Program'!C24","v":102.75},{"$f":"'NanQ ONE Program'!D24","v":102.75},{"$f":"'NanQ ONE Program'!E24","v":102},null,null,14,8.375,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,8.375]
[null,{"$f":"'NanQ ONE Program'!B25","v":8.4990000000000006},{"$f":"'NanQ ONE Program'!C25","v":103},{"$f":"'NanQ ONE Program'!D25","v":103},{"$f":"'NanQ ONE Program'!E25","v":102.25},null,null,15,8.4990000000000006,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,8.4990000000000006]
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[null,null,null,null,null,null,null,40,0,{"$f":"C126+$G$126-$G$128","v":{"$error":"#N/A"}},{"$f":"D126+$G$126-$G$128","v":{"$error":"#N/A"}},{"$f":"E126+$G$126-$G$128","v":{"$error":"#N/A"}}]
[null,null,null,null,null,null,null,41,null,{"$f":"MATCH(100,J130:J169,-1)","v":{"$error":"#N/A"}},{"$f":"MATCH(100,K130:K169,-1)","v":{"$error":"#N/A"}},{"$f":"MATCH(100,L130:L169,-1)","v":{"$error":"#N/A"}}]
[null,null,null,null,null,null,null,42,"Par Rates",{"$f":"VLOOKUP(J170,H130:I174,2,FALSE)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP(K170,H130:I174,2,FALSE)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP(L170,H130:L174,2,FALSE)","v":{"$error":"#N/A"}}]
[null,null,null,null,null,null,null,43,null,{"$f":"IF(G133=J129,J171,0)","v":0},{"$f":"IF(G133=K129,K171,0)","v":0},{"$f":"IF(G133=L129,L171,0)","v":0}]
[null,null,null,null,null,null,null,44,null,{"$f":"VLOOKUP(J170,H130:J174,3,FALSE)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP(K170,H130:K174,4,FALSE)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP(L170,H130:L174,5,FALSE)","v":{"$error":"#N/A"}}]
[null,null,null,null,null,null,null,45,null,{"$f":"IF(G133=J129,J173,0)","v":0},{"$f":"IF(G133=K129,K173,0)","v":0},{"$f":"IF(G133=L129,L173,0)","v":0},{"$f":"SUM(J172:L172)","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(J174:L174)","v":0}]
[null,"Near Par Rate - BPC",null,{"$f":"M126","v":0},{"$f":"IF(M128>D32,D32,M128)","v":0}]
[null,"Near Par Rate - BPC",null,null,{"$f":"IF(E177>'NanQ ONE Program'!V31,'NanQ ONE Program'!V31,E177)","v":0}]
[]
[null,"Near Par Rate - LPC",null,{"$f":"M174","v":0},{"$f":"M176","v":0}]
[null,"Near Par Rate - LPC",null,null,{"$f":"IF(E180>V31,E180)","v":false}]

{"sheet":"NonQM Program","index":3,"n_rows":52,"n_cols":27,"rows_kept":52,"cut":false,"hidden":false,"merged":[[0,7,1,10],[0,14,1,16],[2,7,2,10],[2,14,2,16],[3,7,3,10],[3,13,3,16],[7,26,7,28],[8,1,8,4],[8,6,8,16],[8,18,8,19],[8,23,8,25],[8,26,8,28],[4,12,4,13],[4,14,4,16],[5,1,6,16],[5,18,6,25],[7,18,7,19],[9,6,9,7],[9,18,9,19],[9,23,9,25],[9,26,9,28],[10,0,13,0],[10,6,10,7],[10,18,10,19],[10,23,10,25],[10,26,10,28],[11,6,11,7],[11,18,11,19],[11,26,11,28],[12,6,12,7],[12,18,12,19],[12,22,12,25],[13,6,13,7],[13,18,13,19],[13,22,13,25],[13,26,13,27],[16,26,16,28],[17,6,17,7],[17,18,17,19],[17,22,17,25],[17,26,17,28],[18,6,18,7],[18,18,18,19],[18,22,18,25],[14,6,14,7],[14,18,14,19],[14,22,14,25],[14,26,14,28],[15,6,15,7],[15,18,15,19],[15,22,16,25],[15,26,15,28],[16,6,16,7],[16,18,16,19],[20,26,20,28],[21,6,21,7],[21,10,21,11],[21,14,21,15],[21,18,21,19],[21,22,21,25],[21,26,21,28],[19,18,19,19],[19,22,19,25],[20,6,20,8],[20,10,20,12],[20,14,20,16],[20,18,20,19],[20,22,20,25],[22,6,22,7],[22,10,22,11],[22,14,22,15],[22,18,22,19],[22,26,22,28],[23,6,23,7],[23,10,23,11],[23,14,23,15],[23,18,23,19],[22,22,22,25],[23,22,23,25],[24,6,24,7],[24,10,24,11],[24,14,24,15],[24,18,24,19],[24,22,24,25],[25,6,25,7],[25,10,25,11],[25,14,25,15],[25,18,25,19],[25,22,25,25],[27,10,27,11],[27,14,27,15],[27,18,27,20],[27,22,27,25],[28,10,28,11],[28,14,28,15],[28,18,28,20],[28,22,28,25],[26,6,26,7],[26,10,26,11],[26,14,26,15],[26,18,26,19],[26,22,26,25],[33,10,33,11],[29,18,29,20],[31,22,31,25],[32,10,32,11],[33,14,33,16],[31,18,31,20],[33,22,33,25],[28,26,28,28],[29,14,29,15],[30,10,30,12],[30,14,30,15],[30,18,30,20],[30,22,30,25],[30,26,40,28],[31,10,31,11],[31,14,31,15],[36,14,36,15],[36,22,36,25],[38,10,38,11],[37,14,37,15],[37,22,37,25],[35,10,35,12],[34,14,34,15],[34,22,34,25],[35,14,35,15],[41,14,41,15],[41,18,41,20],[41,21,41,24],[42,14,42,15],[42,18,43,25],[32,18,37,21],[49,14,49,15],[44,18,62,25],[50,14,50,15],[43,1,43,4],[43,14,43,15],[38,14,38,15],[38,18,38,20],[38,21,38,25],[39,14,39,15],[39,18,39,20],[39,21,39,25],[40,14,40,15],[40,18,40,20],[40,21,40,24],[48,10,58,12],[52,14,52,16],[53,14,53,16],[54,14,54,16],[44,14,44,15],[46,14,46,16],[45,11,45,12],[47,14,47,15],[46,10,46,11],[48,14,48,15]]}
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Wholesale Ratesheet"]
[]
[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,"2022-10-03"]
[null,"Non QM Program Pricing",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NonQM Price calculator"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Inputs",null,"Wholesale Ratesheet",null,null,{"$f":"O5","v":"2022-10-03"},"Full Doc Column Includes"]
[null,"Base Rate / Base Price",null,null,null,null,"FICO/LTV Price Adjustments",null,null,null,null,null,null,null,null,null,null,null,"Interest Rate",null,0,null,null,null,null,null,"Tax Returns"]
[null,"Rate","Full Doc","Alt Doc","DSCR",null,null,null,"<=50","50.01-60","60.01-65","65.01-70","70.01-75","75.01-80","80.01-85","85.01-90","90.01-95",null,"LTV Range",null,"Choose a Selection",null,null,null,null,null,"1099 Only"]
[null,6.75,99,99,{"$error":"#N/A"},null,"740+",null,0,-0.25,-0.5,-0.75,-1.25,-1.75,-3.75,-5,{"$error":"#N/A"},null,"FICO Range",null,"Choose a Selection",{"$f":"IF(U11=\"Choose Selection\",0,(IF((ISERROR((IF(U15=\"Foreign Nat' With Fico\",0,(INDEX(I11:Q19,MATCH(U11,G11:G19,0),MATCH(U10,I10:Q10)))))))=TRUE,NA(),(INDEX(I11:Q19,MATCH(U11,G11:G19,0),MATCH(U10,I10:Q10))))))","v":{"$error":"#N/A"}},null,null,null,null,"Asset Utilization Only"]
[null,6.875,99.25,99.25,{"$error":"#N/A"},null,"720-739",null,-0.25,-0.5,-0.75,-1.25,-1.75,-2.25,-4.25,-5.5,{"$error":"#N/A"},null,"Grade",null,"Choose a Selection",{"$f":"IF(U12=\"Choose a Selection\",0,(INDEX(M22:M29,MATCH(U12,K22:K29,0))))","v":0},null,null,null,null,"Asset Utilization W/ Full Doc"]
[null,6.9989999999999997,99.5,99.5,{"$error":"#N/A"},null,"700-719",null,-0.5,-1,-1.5,-2,-2.5,-3,-4.75,-6,{"$error":"#N/A"},null,"Doc Type",null,"Choose a Selection"]
[null,7.125,99.75,99.75,99,null,"680-699",null,-0.75,-1.5,-2.25,-2.75,-3.25,-3.75,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"Additional Adjs",null,"Choose a Selection",{"$f":"IF(AND(OR(U10='Feed(FL)'!B9:B10),OR(U14='Feed(FL)'!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(FL)'!$A$5:$A$10),IF(U10=\"80.01-85\",1,0),IF(U13=\"DSCR\",1,0)))=TRUE,(AND(OR(U11='Feed(FL)'!A3:A10),IF(U10=\"80.01-85\",1,0),IF(U13=\"DSCR\",1,0),OR(U18='Feed(FL)'!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$23:I$52,MATCH(U14,G$23:G$52,0))))))))))","v":0}]
[null,7.25,100,100,99.25,null,"660-679",null,-1.25,-2,-2.75,-3.25,-3.75,-4.25,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"Citizenships",null,"Choose a Selection",{"$f":"(IF(U15=\"US Citizen\",0,(IF(U15=\"Permanent Resident\",0,(IF(U15=\"Non Perm Resident\",0,(IF(U15=\"ITIN\",VLOOKUP(U15,G23:I51,3,0),(IF(U15=\"Foreign Nat' No Fico\",INDEX(I11:Q19,MATCH(U15,G11:G19,0),MATCH(U10,I10:Q10)),IF(U15=\"Foreign Nat' With Fico\",IF(U15=\"Foreign Nat' With Fico\",INDEX(G23:I51,(MATCH(U15,G23:G51,0)),3)),NA())))))))))))","v":{"$error":"#N/A"}},"No Ratio 0.75 - 0.99 (Review Matrix for LTV Qualification) ",null,null,null,"Alt Doc Column Includes"]
[null,7.375,100.25,100.25,99.5,null,"640-659",null,-2,-2.75,-3.5,-4,-4.75,-5.5,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"DTI",null,"Choose a Selection",{"$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(FL)'!B3:B8),1,0)),(IF(OR(U11='Feed(FL)'!A3:A7),1,0)),(IF(U12=\"A+\",1,0)))),IF(U16=\"Choose a Selection\",0,(IF(U16=\"DTI <50% - All Doc Types\",0,IF(U16=\"No DTI Program\",0,INDEX(I$23:I$51,MATCH(U16,G$23:G$51,0)))))),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 <50% - All Doc Types\",0,IF(U16=\"No DTI Program\",0,INDEX(I$23:I$51,MATCH(U16,G$23:G$51,0))))))))","v":0},null,null,null,null,"12 Bank Statements"]
[null,7.4989999999999997,100.5,100.5,99.75,null,"620-639",null,-2.5,-3.25,-4,-4.75,-5.5,-6.25,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"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$23:I$51,MATCH(U17,G$23:G$51,0)))))))","v":0},null,null,null,null,"12 or 24 CPA P&L"]
[null,7.625,100.75,100.75,100,null,"600-619",null,-3,-3.75,-4.5,-5.25,-6.25,-7.25,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"Purpose",null,"Choose a Selection",{"$f":"IF(AND(OR(U18='Feed(FL)'!J5:J9),U10=\"85.01-90\"),NA(),IF(ISERROR(IF(OR(U18=\"Purchase\",U18=\"Rate/Term Refi\"),0,INDEX(I$23:I$51,MATCH(U18,G$23:G$51,0)))),0,INDEX(I$23:I$51,MATCH(U18,G$23:G$51,0))))","v":0},null,null,null,null,"Asset Utlization W/ Bank Stmt"]
[null,7.75,101,101,100.25,null,"Foreign Nat' No Fico",null,{"$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,"Occupancy",null,"Choose a Selection",{"$f":"IF(OR('Feed(FL)'!A55:A58=TRUE),IF(U19=\"Choose a Selection\",0,(IF(OR(U19=\"Primary\"),0,IF(OR(U19=\"Non-Owner (Alt Doc/DSCR)\"),0,INDEX(I$23:I$51,MATCH(U19,G$23:G$51,0)))))),NA())","v":{"$error":"#N/A"}}]
[null,7.875,101.25,101.25,100.5,null,null,null,null,null,null,null,null,null,null,null,null,null,"Property Type",null,"Choose a Selection",{"$f":"IF(AND(OR(U10='Feed(FL)'!B8:B10),OR(U20='Feed(FL)'!K7)),NA(),IF(U17=\"Choose a Selection\",0,(IF(OR(U20=\"SFR\",U20=\"1-2 Units\",U20=\"PUD\",U20=\"Condo\"),0,INDEX(I$23:I$51,MATCH(U20,G$23:G$51,0))))))","v":0}]
[null,7.9989999999999997,102,102,101.25,null,"Loan Level Price Adjustments",null,null,null,"Grades",null,null,null,"Loan Term",null,null,null,"Loan Term",null,"30YR Fixed",{"$f":"IF(AND(U10='Feed(FL)'!B10,OR(U21='Feed(FL)'!M5:M6,U21='Feed(FL)'!M9,U21='Feed(FL)'!M12)),NA(),INDEX(Q22:Q32,MATCH(U21,O22:O32,0)))","v":0},null,null,null,null,"DSCR/No Ratio Column Includes"]
[null,8.125,102.25,102.25,101.5,null,null,null,"LLPA",null,"Select - Standard",null,0.75,null,"15YR Fixed",null,0.25,null,"Escrow",null,"Escrow Not Waived",{"$f":"IF(U22=\"Escrow Not Waived\",0,INDEX(I$23:I$51,MATCH(U22,G$23:G$51,0)))","v":0},null,null,null,null,"DSCR"]
[null,8.25,102.5,102.5,101.75,null,"DTI ≥50% - All Doc Types",null,-0.5,null,"A+",null,0.25,null,"30YR Fixed",null,0,null,"Prepayment Penalty",null,"No PPP *See PPP Section*",{"$f":"IF(OR(U19=\"Primary\",U19=\"Second Home\"),0,INDEX(I$23:I$51,MATCH(U23,G$23:G$51,0)))","v":-1.5},null,null,null,null,"No Ratio"]
[null,8.375,102.75,102.75,102,null,"Full Doc - Non-Owner",null,-0.5,null,"A",null,-1.25,null,"30YR IO Fixed",null,-0.5,null,"State",null,"All Other States",0,null,null,null,null,"V100521"]
[null,8.4990000000000006,103,103,102.25,null,"ITIN",null,-2,null,"B",null,-2,null,"40YR Fixed",null,-0.5,null,"Lock Term",null,"30 Day",{"$f":"INDEX(M32:M34,MATCH(U25,K32:K34,0))","v":0},null,null,null,null,"V091721"]
[null,8.625,103.25,103.25,102.5,null,"VOE Only",null,-0.75,null,"C",null,-2,null,"40YR IO Fixed",null,-0.75,null,"Purchase Special",null,"Choose a Selection",{"$f":"'Feed(FL)'!S2","v":0},null,null,null,null,"V110121"]
[null,8.75,103.5,103.5,102.75,null,"1099 Only",null,-0.75,null,"Select - DSCR",null,0.5,null,"5/6 30YR ARM",null,0,null,null,null,"Choose a Selection",{"$f":"'Feed(FL)'!B52","v":0},0,null,null,null,"V121021.1"]
[null,8.875,103.75,103.75,103,null,"Asset Utilization",null,-0.75,null,"DSCR (≥1.00)",null,0,null,"5/6 30YR IO ARM",null,-0.5,null,"  Total LLPA",null,null,{"$f":"SUM(V11:V27)","v":{"$error":"#N/A"}},null,null,null,null,"V20220120.0"]
[null,8.9990000000000006,104.25,104.25,103.5,null,"Debt Consol. >70% LTV",null,-0.75,null,"No Ratio (0.75-0.99)",null,-1.5,null,"5/6 40YR ARM",null,-0.5,null,"  Gross Rate Sheet Price (Prior to LLPAs)",null,null,{"$f":"INDEX(B11:E53,MATCH(U9,B11:B53,0),MATCH(U13,C10:E10,0)+1)","v":{"$error":"#N/A"}},null,null,null,null,"*** Extension Cost"]
[null,9.125,104.5,104.5,103.75,null,"Debt Consol. ≤ 70% LTV",null,-0.25,null,null,null,null,null,"7/6 30YR ARM",null,0,null,"  Net Price: Rate Sheet - LLPA (Prior to Min/Max YSP)",null,null,{"$f":"IFERROR(V29+V28,\"Minimum Rate\")","v":"Minimum Rate"}]
[null,9.25,104.75,104.75,104,null,"Cash-Out >70% LTV",null,-0.75,null,"Lock Days",null,null,null,"7/6 30YR IO ARM",null,-0.5,null,"  Max YSP",null,null,{"$f":"'Feed(FL)'!D32","v":0},{"$f":"CONCATENATE(S31,\" \",\"is\",\" \", V31)","v":"  Max YSP is 0"},null,null,null,{"$f":"+K49","v":"Temporary Guidance See Below\nExtension Cost\n\n15 Days Max Extensions per schedule below, above 15 days contact the Lock Desk for exception\n\nRates 6.125% - 6.500% @ 15 bps / day\nRates 6.501% - 7.000% @ 10 bps /day\nRates 7.001% - 8.000% @ 7 bps / day\nRates >8.000% @ 2 bps / day"}]
[null,9.375,105,105,104.25,null,"Cash-Out ≤ 70% LTV",null,-0.25,null,"15 Day",null,0,null,"7/6 40YR ARM",null,-0.5,null,"Final Price  →",null,null,{"$f":"IFERROR(IF(V30>V31,IF((V30+V33)<V31,V30+V33,V31),V30+V33),\"Final Price\")","v":"Final Price"}]
[null,9.4990000000000006,105.25,105.25,104.5,null,"3-4 Units",null,-0.5,null,"30 Day",null,0,null,null,null,null,null,"Borrower Paid Comp Only"]
[null,9.625,105.5,105.5,104.75,null,"Second Home",null,-0.75,null,"45 Day",null,-0.5,null,"Max Price",null,null,null,null,null,null,null,{"$f":"CONCATENATE('Feed(FL)'!B177,\" \",'Feed(FL)'!D177,\"%\"&\" @ \"&'Feed(FL)'!E177)","v":"Near Par Rate - BPC 0% @ 0"}]
[null,9.75,105.75,105.75,105,null,"No PPP \"See PPP Section\"",null,-1.5,null,null,null,null,null,"Owner Occ/Sec Home",null,100]
[null,9.875,106,106,105.25,null,"6 Months PPP",null,-1.5,null,"Minimum Rates by Doc Type",null,null,null,"Loans W/ No PPP",null,99]
[null,9.9990000000000006,106.25,106.25,105.5,null,"12 Months PPP",null,-1,null,"Full Doc","Alt Doc","DSCR",null,"Loans W/ 6 Month PPP",null,99]
[null,10.125,106.5,106.5,105.75,null,"24 Months PPP",null,-0.5,null,6.7500000000000004E-2,6.7500000000000004E-2,7.1249999999999994E-2,null,"Loans W/ 1YR PPP",null,100]
[null,10.25,106.75,106.75,106,null,"36 Months PPP",null,0,null,"≥$4,000,000",null,{"$error":"#N/A"},null,"Loans W/ 2YR PPP",null,100,null,"Loan Number",null,null,"Borrower Name"]
[null,10.375,107,107,106.25,null,"48 Months PPP",null,0.25,null,null,null,null,null,"Loans W/ 3YR PPP",null,100]
[null,10.499000000000001,107.25,107.25,106.5,null,"60 Months PPP",null,0.5,null,null,null,null,null,"Loans W/ 4YR PPP",null,100,null,null,null,null,null,null,null,null,"Comp?"]
[null,10.625,107.5,107.5,106.75,null,"Escrow Waived",null,-0.25,null,null,null,null,null,"Loans W/ 5YR PPP",null,100]
[null,10.75,107.75,107.75,107,null,"NW Condo",null,-1,null,"Loan Term","Caps","Floor",null,">$3,000,000",null,99.5]
[null,null,null,null,null,null,"<$150,000",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-$1,000,000",null,0,null,"7/6 ARM","5/1/5",null,null,"ITIN/Foreign National",null,100,null,"\n\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, IL1, MD, MI, MN, ND, NJ1, NM, OH, PA, RI\n1Prepay allowed for loans closed in the name of \na Corporation or LLC in IL, and NJ\n*PPP is only Allowed on the following\nNon-TRID Loans -  Investment\nNon-TRID Loans - DSCR\n\nNo PPP price option only allowed where prohibited by State\n\n“IL ~ no prepayment penalty may be applied on loans where APR exceeds 8%”"]
[null,null,null,null,null,null,">$1,000,000",null,0,null,"Index","6mo SOFR"]
[null,null,null,null,null,null,">$1,500,000",null,-0.25,null,"Reset Frequency",null,"6 Mo",null,"ARM Margins"]
[null,null,null,null,null,null,">$2,000,000",null,-0.75,null,null,null,null,null,"Occupancy",null,"Margin"]
[null,null,null,null,null,null,">$3,000,000",null,-1.5,null,"Temporary Guidance See Below\nExtension Cost\n\n15 Days Max Extensions per schedule below, above 15 days contact the Lock Desk for exception\n\nRates 6.125% - 6.500% @ 15 bps / day\nRates 6.501% - 7.000% @ 10 bps /day\nRates 7.001% - 8.000% @ 7 bps / day\nRates >8.000% @ 2 bps / day",null,null,null,"Primary Home",null,4]
[null,null,null,null,null,null,"Foreign Nat' With Fico",null,-1.5,null,null,null,null,null,"Second Home",null,4]
[null,null,null,null,null,null,"Purchase",null,0,null,null,null,null,null,"Investment Home",null,4]
[null,null,null,null,null,null,"Inv. & 2nd Home >80% LTV",null,-1]

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["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","Specials",null,"State"]
["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","Choose a Selection",0,"Choose a Selection"]
["740+","<=50","Select - Standard","Full Doc","None in this Dropdown","DTI <50% - 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","Non-QM Purchase Special",0,"Illinois",null,null,null,null,null,null,null,null," "]
["720-739","50.01-60","A+","Alt Doc","Asset Utilization","DTI ≥50% - All Doc Types","$150,000-$1,000,000","6 Months PPP","Escrow Waived","Refinances","1-2 Units","Second Home","30YR Fixed","30 Day",null,"Permanent Resident","Not Applicable2","DSCR Special",null,"Maryland",null,null,null,null,null,null,null,null," "]
["700-719","60.01-65","A","DSCR","1099 Only","No DTI Program",">$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","None",null,"Michigan",null,null,null,null,null,null,null,null," "]
["680-699","65.01-70","B",null,"VOE Only",null,">$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," "]
["660-679","70.01-75","C",null,"Inv. & 2nd Home >80% LTV",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," "]
["640-659","75.01-80","Select - DSCR",null,null,null,">$3,000,000","48 Months PPP",null,"Cash-Out >70% LTV","PUD",null,"5/6 30YR ARM",null,null,null,null,null,null,"New Jersey",null,null,null,null,null,null,null,null," "]
["620-639","80.01-85","DSCR (≥1.00)",null,null,null,null,"60 Months PPP",null,null,null,null,"5/6 30YR IO ARM",null,null,null,null,null,null,"New Mexico",null,null,null,null,null,null,null,null," "]
["600-619","85.01-90","No Ratio (0.75-0.99)",null,null,null,null,null,null,null,null,null,"5/6 40YR ARM",null,null,null,null,null,null,"Pennsylvania",null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,"7/6 30YR ARM",null,null,null,null,null,null,"Texas"]
[null,null,null,null,null,null,null,null,null,null,null,null,"7/6 30YR IO ARM",null,null,null,null,null,null,"All Other States",null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,"7/6 40YR ARM",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[]
[]
[]
[]
[]
[]
[{"$f":"'NonQM Program'!O34","v":"Max Price"},null,null,"Rules"]
[{"$f":"'NonQM Program'!O35","v":"Owner Occ/Sec Home"},null,{"$f":"'NonQM Program'!Q35","v":100},{"$f":"IF(OR('NonQM Program'!U19=L3:L4),C21,\"\")","v":""}]
[{"$f":"'NonQM Program'!O36","v":"Loans W/ No PPP"},null,{"$f":"'NonQM Program'!Q36","v":99},{"$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," "]
[{"$f":"'NonQM Program'!O37","v":"Loans W/ 6 Month PPP"},null,{"$f":"'NonQM Program'!Q37","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'!O38","v":"Loans W/ 1YR PPP"},null,{"$f":"'NonQM Program'!Q38","v":100},{"$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," "]
[{"$f":"'NonQM Program'!O39","v":"Loans W/ 2YR PPP"},null,{"$f":"'NonQM Program'!Q39","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'!O40","v":"Loans W/ 3YR PPP"},null,{"$f":"'NonQM Program'!Q40","v":100},{"$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," "]
[{"$f":"'NonQM Program'!O41","v":"Loans W/ 4YR PPP"},null,{"$f":"'NonQM Program'!Q41","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'!O42","v":"Loans W/ 5YR PPP"},null,{"$f":"'NonQM Program'!Q42","v":100},{"$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'!O43","v":">$3,000,000"},null,{"$f":"'NonQM Program'!Q43","v":99.5},{"$f":"IF('NonQM Program'!U17=G8,C29,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[{"$f":"'NonQM Program'!O44","v":"80.01-90.00% LTV"},null,{"$f":"'NonQM Program'!Q44","v":100},{"$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," "]
[{"$f":"'NonQM Program'!O45","v":"ITIN/Foreign National"},null,{"$f":"'NonQM Program'!Q45","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",{"$f":"IF(AND(OR('NonQM Program'!U10='Feed(FL)'!B5:B10),'NonQM Program'!U12=\"No Ratio (0.75-0.99)\"),TRUE,FALSE)","v":false},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["Disqualifiers",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[" Foreign National",{"$f":"IF(AND('NonQM Program'!U15='Feed(FL)'!P7,OR('NonQM Program'!U11='Feed(FL)'!A6:A10)),NA(),\"\")","v":""},"FN minimum 700 Fico rule",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," "]
["ITIN",{"$f":"IF(AND('NonQM Program'!U15='Feed(FL)'!P6,'NonQM Program'!U10=B10),NA(),\"\")","v":""},"ITIN N/A for 85.01-90% LTV",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["ITIN",{"$f":"IF(AND('NonQM Program'!U15='Feed(FL)'!P6,OR('NonQM Program'!U11='Feed(FL)'!A8:A10)),NA(),\"\")","v":""},"ITIN minimum 660 Fico rule",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," "]
[" Foreign National",{"$f":"IF(AND('NonQM Program'!U15='Feed(FL)'!P7,OR('NonQM Program'!U17='Feed(FL)'!G7:G8)),NA(),\"\")","v":""},"FN 0-2 mil loan amount max",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["ITIN",{"$f":"IF(AND('NonQM Program'!U15='Feed(FL)'!P6,OR('NonQM Program'!U17='Feed(FL)'!G6:G8)),NA(),\"\")","v":""},"ITIN 0-1.5 mil loan amount max",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," "]
["85.01-90% LTV",{"$f":"IF(AND('NonQM Program'!U10='Feed(FL)'!B10,'NonQM Program'!U12='Feed(FL)'!C4,OR('NonQM Program'!U19='Feed(FL)'!L4:L6)),NA(),\"\")","v":""},"A+ / NOO or 2nd home / 85.01-90%",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["C Grade >70%",{"$f":"IF(AND('NonQM Program'!U12='Feed(FL)'!C7,OR('NonQM Program'!U10='Feed(FL)'!B7:B10)),NA(),\"\")","v":""},"C Grade /  >70% LTV",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," "]
["PPP >80% LTV",{"$f":"IF(AND(OR('NonQM Program'!U10='Feed(FL)'!B9:B10),OR('NonQM Program'!U19='Feed(FL)'!L5:L6),OR('NonQM Program'!U23='Feed(FL)'!H2:H6)),NA(),\"\")","v":""},"80.01-90% / NOO / 3YR PP Minimum",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["Inv. & 2nd Home >80% LTV",{"$f":"IF(AND(OR('NonQM Program'!U10=B9:B10),OR('NonQM Program'!U19=L4:L6),'NonQM Program'!U14<>E7),NA(),\"\")","v":""},"Inv and 2nd homes >80% / must select hit under \"Additional Adjustments\"",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",{"$f":"SUM(B43:B51)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["Occupancy",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[{"$f":"IF(AND('NonQM Program'!U18='Feed(FL)'!J3,OR('NonQM Program'!U10='Feed(FL)'!B9:B10),'NonQM Program'!U12='Feed(FL)'!C4),TRUE(),FALSE)","v":false},"80.01 - 90%/ A+/ Purch",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," "]
[{"$f":"IF(AND('NonQM Program'!U10='Feed(FL)'!B9,'NonQM Program'!U12='Feed(FL)'!C5,OR('NonQM Program'!U11='Feed(FL)'!A3:A4),'NonQM Program'!U18='Feed(FL)'!J3,'NonQM Program'!U19='Feed(FL)'!L3),TRUE,FALSE)","v":false},"80.01-85% / \"A\" Grade / 720 FICO / Purch / Primary",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[{"$f":"OR('NonQM Program'!U10='Feed(FL)'!B3:B8)","v":false},"<80% LTV's",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," "]
[{"$f":"IF(AND('NonQM Program'!U10='Feed(FL)'!B9,'NonQM Program'!U13='Feed(FL)'!D5,'NonQM Program'!U12='Feed(FL)'!C9,OR('NonQM Program'!U11=A3:A4),'NonQM Program'!U18='Feed(FL)'!J3),TRUE,FALSE)","v":false},"80.01-85% / 740+/ DSCR / >=1.00 Grade / Purch",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Base Rate / Base Price",null,null,null,null,null,null,"Base Rate / Base Price"]
[null,"Coupon","Full Doc","Alt Doc","DSCR",null,"Total LLPA",null,"Coupon","Full Doc","Alt Doc","DSCR",null,0]
[null,{"$f":"'NonQM Program'!B11","v":6.75},{"$f":"'NonQM Program'!C11","v":99},{"$f":"'NonQM Program'!D11","v":99},{"$f":"'NonQM Program'!E11","v":{"$error":"#N/A"}},null,{"$f":"SUM('NonQM Program'!V11:V27)","v":{"$error":"#N/A"}},1,{"$f":"B82","v":6.75},{"$f":"C82+$G$82","v":{"$error":"#N/A"}},{"$f":"D82+$G$82","v":{"$error":"#N/A"}},{"$error":"#N/A"},null,{"$f":"I82:I121","v":6.75}]
[null,{"$f":"'NonQM Program'!B12","v":6.875},{"$f":"'NonQM Program'!C12","v":99.25},{"$f":"'NonQM Program'!D12","v":99.25},{"$f":"'NonQM Program'!E12","v":{"$error":"#N/A"}},null,".",2,{"$f":"B83","v":6.875},{"$f":"C83+$G$82","v":{"$error":"#N/A"}},{"$error":"#N/A"},{"$error":"#N/A"},null,6.875]
[null,{"$f":"'NonQM Program'!B13","v":6.9989999999999997},{"$f":"'NonQM Program'!C13","v":99.5},{"$f":"'NonQM Program'!D13","v":99.5},{"$f":"'NonQM Program'!E13","v":{"$error":"#N/A"}},null,"Total Price",3,6.9989999999999997,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,6.9989999999999997]
[null,{"$f":"'NonQM Program'!B14","v":7.125},{"$f":"'NonQM Program'!C14","v":99.75},{"$f":"'NonQM Program'!D14","v":99.75},{"$f":"'NonQM Program'!E14","v":99},null,{"$f":"'NonQM Program'!V32","v":"Final Price"},4,7.125,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,7.125]
[null,{"$f":"'NonQM Program'!B15","v":7.25},{"$f":"'NonQM Program'!C15","v":100},{"$f":"'NonQM Program'!D15","v":100},{"$f":"'NonQM Program'!E15","v":99.25},null,null,5,7.25,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,7.25]
[null,{"$f":"'NonQM Program'!B16","v":7.375},{"$f":"'NonQM Program'!C16","v":100.25},{"$f":"'NonQM Program'!D16","v":100.25},{"$f":"'NonQM Program'!E16","v":99.5},null,null,6,7.375,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,7.375]
[null,{"$f":"'NonQM Program'!B17","v":7.4989999999999997},{"$f":"'NonQM Program'!C17","v":100.5},{"$f":"'NonQM Program'!D17","v":100.5},{"$f":"'NonQM Program'!E17","v":99.75},null,null,7,7.4989999999999997,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,7.4989999999999997]
[null,{"$f":"'NonQM Program'!B18","v":7.625},{"$f":"'NonQM Program'!C18","v":100.75},{"$f":"'NonQM Program'!D18","v":100.75},{"$f":"'NonQM Program'!E18","v":100},null,{"$f":"'NonQM Program'!U13","v":"Choose a Selection"},8,7.625,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,7.625]
[null,{"$f":"'NonQM Program'!B19","v":7.75},{"$f":"'NonQM Program'!C19","v":101},{"$f":"'NonQM Program'!D19","v":101},{"$f":"'NonQM Program'!E19","v":100.25},null,null,9,7.75,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,7.75]
[null,{"$f":"'NonQM Program'!B20","v":7.875},{"$f":"'NonQM Program'!C20","v":101.25},{"$f":"'NonQM Program'!D20","v":101.25},{"$f":"'NonQM Program'!E20","v":100.5},null,null,10,7.875,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,7.875]
[null,{"$f":"'NonQM Program'!B21","v":7.9989999999999997},{"$f":"'NonQM Program'!C21","v":102},{"$f":"'NonQM Program'!D21","v":102},{"$f":"'NonQM Program'!E21","v":101.25},null,null,11,7.9989999999999997,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,7.9989999999999997]
[null,{"$f":"'NonQM Program'!B22","v":8.125},{"$f":"'NonQM Program'!C22","v":102.25},{"$f":"'NonQM Program'!D22","v":102.25},{"$f":"'NonQM Program'!E22","v":101.5},null,null,12,8.125,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,8.125]
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[null,{"$f":"'NonQM Program'!B24","v":8.375},{"$f":"'NonQM Program'!C24","v":102.75},{"$f":"'NonQM Program'!D24","v":102.75},{"$f":"'NonQM Program'!E24","v":102},null,null,14,8.375,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,8.375]
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[null,null,null,null,null,null,null,41,null,{"$f":"MATCH(100,J130:J169,-1)","v":{"$error":"#N/A"}},{"$f":"MATCH(100,K130:K169,-1)","v":{"$error":"#N/A"}},{"$f":"MATCH(100,L130:L169,-1)","v":{"$error":"#N/A"}}]
[null,null,null,null,null,null,null,42,"Par Rates",{"$f":"VLOOKUP(J170,H130:I174,2,FALSE)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP(K170,H130:I174,2,FALSE)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP(L170,H130:L174,2,FALSE)","v":{"$error":"#N/A"}}]
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[null,null,null,null,null,null,null,44,null,{"$f":"VLOOKUP(J170,H130:J174,3,FALSE)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP(K170,H130:K174,4,FALSE)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP(L170,H130:L174,5,FALSE)","v":{"$error":"#N/A"}}]
[null,null,null,null,null,null,null,45,null,{"$f":"IF(G133=J129,J173,0)","v":0},{"$f":"IF(G133=K129,K173,0)","v":0},{"$f":"IF(G133=L129,L173,0)","v":0},{"$f":"SUM(J172:L172)","v":0}]
[]
[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":"M126","v":0},{"$f":"IF(M128>D32,D32,M128)","v":0}]
[null,"Near Par Rate - BPC",null,null,{"$f":"IF(E177>'NonQM Program'!V31,'NonQM Program'!V31,E177)","v":0}]
[]
[null,"Near Par Rate - LPC",null,{"$f":"M174","v":0},{"$f":"M176","v":0}]
[null,"Near Par Rate - LPC",null,null,{"$f":"IF(E180>V31,E180)","v":false}]

{"sheet":"NanQ ONE Program(Corr)","index":5,"n_rows":56,"n_cols":27,"rows_kept":56,"cut":false,"hidden":true,"merged":[[0,7,1,10],[0,12,1,16],[2,7,2,10],[2,14,2,16],[3,7,3,10],[3,13,3,16],[7,26,7,28],[8,1,8,4],[8,6,8,16],[8,18,8,19],[8,23,8,25],[8,26,8,28],[4,12,4,13],[4,14,4,16],[5,1,6,16],[5,18,6,25],[7,18,7,19],[7,22,7,25],[9,6,9,7],[9,18,9,19],[9,23,9,25],[9,26,9,28],[10,0,13,0],[10,6,10,7],[10,18,10,19],[10,23,10,25],[10,26,10,28],[11,6,11,7],[13,6,13,7],[13,18,13,19],[13,22,13,25],[13,26,13,27],[14,6,14,7],[14,18,14,19],[14,22,14,25],[14,26,14,28],[11,18,11,19],[11,26,11,28],[12,6,12,7],[12,18,12,19],[12,22,12,25],[12,26,12,28],[17,6,17,7],[17,18,17,19],[17,22,17,25],[17,26,17,28],[18,6,18,7],[18,18,18,19],[18,22,18,25],[18,26,18,28],[15,6,15,7],[15,18,15,19],[15,26,15,28],[16,6,16,7],[16,18,16,19],[16,22,16,25],[16,26,16,28],[20,26,20,28],[21,6,21,7],[21,10,21,11],[21,14,21,15],[21,18,21,19],[21,22,21,25],[21,26,21,28],[19,18,19,19],[19,22,19,25],[20,6,20,8],[20,10,20,12],[20,14,20,16],[20,18,20,19],[20,22,20,25],[23,26,23,28],[24,6,24,7],[24,10,24,11],[24,14,24,15],[24,18,24,19],[24,22,24,25],[28,26,28,28],[22,6,22,7],[22,10,22,11],[22,14,22,15],[22,18,22,19],[22,22,23,25],[22,26,22,28],[23,6,23,7],[23,10,23,11],[23,14,23,15],[23,18,23,19],[25,6,25,7],[25,10,25,11],[25,18,25,19],[25,22,25,25],[26,6,26,7],[26,10,26,11],[26,14,26,15],[27,18,27,20],[27,22,28,25],[26,18,26,19],[26,22,26,25],[30,26,40,28],[27,6,27,7],[27,10,27,11],[28,18,28,20],[28,6,28,7],[28,10,28,11],[28,14,28,15],[29,6,29,7],[29,14,29,15],[31,6,31,7],[31,10,31,11],[31,14,31,15],[31,18,31,20],[32,6,32,7],[32,10,32,11],[30,18,30,20],[30,22,30,25],[30,6,30,7],[30,10,30,12],[30,14,30,15],[29,18,29,20],[31,22,31,25],[38,10,38,11],[37,14,37,15],[38,18,38,20],[38,21,38,25],[38,14,38,15],[39,18,39,20],[39,21,39,25],[33,6,33,7],[33,14,33,16],[34,18,34,25],[35,10,35,12],[34,14,34,15],[35,18,37,25],[35,14,35,15],[36,14,36,15],[44,18,57,25],[40,18,40,25],[41,18,41,25],[33,10,33,11],[48,10,56,12],[47,14,47,15],[48,14,48,15],[49,14,49,15],[50,14,50,15],[54,14,54,16],[55,14,55,15],[43,1,43,4],[43,14,43,15],[45,11,45,12],[44,14,44,15],[46,10,46,11],[46,14,46,16],[40,10,40,11],[39,14,39,15],[40,14,40,15],[41,14,41,15],[43,12,44,12],[42,14,42,15]]}
[null,null,null,null,null,null,null,"LoanStream Mortgage",null,null,null,null,"Correspondent"]
[]
[null,null,null,null,null,null,null,"19000 MacArthur Blvd, Suite 200",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,null,null,null,null,null,null,null,"Effective Date:",null,"2022-10-03"]
[null,"NanQ \"ONE\" Program",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PriceOne Calculator"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Inputs",null,"Correspondent  Ratesheet",null,null,null,"Full Doc Column Includes"]
[null,"Base Rate / Base Price",null,null,null,null,"FICO/LTV Price Adjustments",null,null,null,null,null,null,null,null,null,null,null,"Interest Rate",null,0,null,null,{"$f":"O5","v":"2022-10-03"},null,null,"Tax Returns"]
[null,"Rate","Full Doc","Alt Doc","DSCR",null,null,null,"<=50","50.01-60","60.01-65","65.01-70","70.01-75","75.01-80","80.01-85","85.01-90","90.01-95",null,"LTV Range",null,"Choose a Selection",null,null,null,null,null,"1099 Only"]
[null,6.75,99.5,99.5,"N/A",null,"740+",null,0,-0.25,-0.5,-0.75,-1.25,-1.75,-3.75,-5,{"$error":"#N/A"},null,"FICO Range",null,"Choose a Selection",{"$f":"IF(U11=\"Choose Selection\",0,(IF((ISERROR((IF(U15=\"Foreign Nat' With Fico\",0,(INDEX(I11:Q19,MATCH(U11,G11:G19,0),MATCH(U10,I10:Q10)))))))=TRUE,NA(),(INDEX(I11:Q19,MATCH(U11,G11:G19,0),MATCH(U10,I10:Q10))))))","v":{"$error":"#N/A"}},null,null,null,null,"Asset Utilization Only"]
[null,6.875,99.75,99.75,"N/A",null,"720-739",null,-0.25,-0.5,-0.75,-1.25,-1.75,-2.25,-4.25,-5.5,{"$error":"#N/A"},null,"Grade",null,"Choose a Selection",{"$f":"IF(U12=\"Choose a Selection\",0,(INDEX(M22:M29,MATCH(U12,K22:K29,0))))","v":0},null,null,null,null,"Asset Utilization W/ Full Doc"]
[null,6.9989999999999997,100,100,"N/A",null,"700-719",null,-0.5,-1,-1.5,-2,-2.5,-3,-4.75,-6,{"$error":"#N/A"},null,"Doc Type",null,"Choose a Selection",null,null,null,null,null,"VOE Only Program"]
[null,7.125,100.25,100.25,99.5,null,"680-699",null,-0.75,-1.5,-2.25,-2.75,-3.25,-3.75,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"Additional Adjs",null,"Choose a Selection",{"$f":"IF(AND(OR(U10='Feed(Corr)'!B9:B10),OR(U14='Feed(Corr)'!E4:E6)),NA(),IF((AND((IF(U10=\"85.01-90\",1,0))=1,(IF(U13=\"DSCR\",1,0))=1))=TRUE,NA(),(IF(OR((AND(OR(U11='Feed(Corr)'!$A$5:$A$10),IF(U10=\"80.01-85\",1,0),IF(U13=\"DSCR\",1,0)))=TRUE,(AND(OR(U11='Feed(Corr)'!A3:A10),IF(U10=\"80.01-85\",1,0),IF(U13=\"DSCR\",1,0),OR(U18='Feed(Corr)'!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$23:I$52,MATCH(U14,G$23:G$52,0))))))))))","v":0}]
[null,7.25,100.5,100.5,99.75,null,"660-679",null,-1.25,-2,-2.75,-3.25,-3.75,-4.25,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"Citizenships",null,"Choose a Selection",{"$f":"(IF(U15=\"US Citizen\",0,(IF(U15=\"Permanent Resident\",0,(IF(U15=\"Non Perm Resident\",0,(IF(U15=\"ITIN\",VLOOKUP(U15,G23:I51,3,0),(IF(U15=\"Foreign Nat' No Fico\",INDEX(I11:Q19,MATCH(U15,G11:G19,0),MATCH(U10,I10:Q10)),IF(U15=\"Foreign Nat' With Fico\",IF(U15=\"Foreign Nat' With Fico\",INDEX(G23:I51,(MATCH(U15,G23:G51,0)),3)),NA())))))))))))","v":{"$error":"#N/A"}},null,null,null,null,"Alt Doc Column Includes"]
[null,7.375,100.75,100.75,100,null,"640-659",null,-2,-2.75,-3.5,-4,-4.75,-5.5,{"$error":"#N/A"},{"$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(Corr)'!B3:B8),1,0)),(IF(OR(U11='Feed(Corr)'!A3:A7),1,0)),(IF(U12=\"A+\",1,0)))),IF(U16=\"Choose a Selection\",0,(IF(U16=\"DTI <50% - All Doc Types\",0,IF(U16=\"No DTI Program\",0,INDEX(I$23:I$51,MATCH(U16,G$23:G$51,0)))))),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 <50% - All Doc Types\",0,IF(U16=\"No DTI Program\",0,INDEX(I$23:I$51,MATCH(U16,G$23:G$51,0))))))))","v":0},null,null,null,null,"12 Bank Statements"]
[null,7.4989999999999997,101,101,100.25,null,"620-639",null,-2.5,-3.25,-4,-4.75,-5.5,-6.25,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"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$21:I$52,MATCH(U17,G$21:G$52,0)))))))","v":0},"No Ratio 0.75 - 0.99 (Review Matrix for LTV Qualification) ",null,null,null,"12 or 24 CPA P&L"]
[null,7.625,101.25,101.25,100.5,null,"600-619",null,-3,-3.75,-4.5,-5.25,-6.25,-7.25,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"Purpose",null,"Choose a Selection",{"$f":"IF(AND(OR(U18='Feed(Corr)'!J5:J9),U10=\"85.01-90\"),NA(),IF(ISERROR(IF(OR(U18=\"Purchase\",U18=\"Rate/Term Refi\"),0,INDEX(I$21:I$51,MATCH(U18,G$21:G$51,0)))),0,INDEX(I$21:I$51,MATCH(U18,G$21:G$51,0))))","v":0},null,null,null,null,"3 Mo. Bank Statement W/ P&L"]
[null,7.75,101.5,101.5,100.75,null,"Foreign Nat' No Fico",null,{"$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,"Occupancy",null,"Choose a Selection",{"$f":"IF(OR('Feed(Corr)'!A55:A58=TRUE),IF(U19=\"Choose a Selection\",0,(IF(OR(U19=\"Primary\"),0,IF(OR(U19=\"Non-Owner (Alt Doc/DSCR)\"),0,INDEX(I$23:I$51,MATCH(U19,G$23:G$51,0)))))),NA())","v":{"$error":"#N/A"}},null,null,null,null,"Asset Utlization W/ Bank Stmt"]
[null,7.875,101.75,101.75,101,null,null,null,null,null,null,null,null,null,null,null,null,null,"Property Type",null,"Choose a Selection",{"$f":"IF(AND(OR(U10='Feed(Corr)'!B8:B10),OR(U20='Feed(Corr)'!K7)),NA(),IF(U17=\"Choose a Selection\",0,(IF(OR(U20=\"SFR\",U20=\"1-2 Units\",U20=\"PUD\",U20=\"Condo\"),0,INDEX(I$23:I$51,MATCH(U20,G$23:G$51,0))))))","v":0}]
[null,7.9989999999999997,102.5,102.5,101.75,null,"Loan Level Price Adjustments",null,null,null,"Grades",null,null,null,"Loan Term",null,null,null,"Loan Term",null,"30YR Fixed",{"$f":"IF(AND(U10='Feed(Corr)'!B10,OR(U21='Feed(Corr)'!M5:M6,U21='Feed(Corr)'!M9,U21='Feed(Corr)'!M12)),NA(),INDEX(Q22:Q32,MATCH(U21,O22:O32,0)))","v":0},null,null,null,null,"DSCR/No Ratio Column Includes"]
[null,8.125,102.75,102.75,102,null,null,null,"LLPA",null,"Select - Standard",null,0.75,null,"15YR Fixed",null,0.25,null,"Escrow",null,"Escrow Not Waived",{"$f":"IF(U22=\"Escrow Not Waived\",0,INDEX(I$23:I$51,MATCH(U22,G$23:G$51,0)))","v":0},null,null,null,null,"DSCR SELECT"]
[null,8.25,103,103,102.25,null,"DTI ≥50% - All Doc Types",null,-0.5,null,"A+",null,0.25,null,"30YR Fixed",null,0,null,"Prepayment Penalty",null,"No PPP *See PPP Section*",{"$f":"IF(OR(U19=\"Primary\",U19=\"Second Home\"),0,INDEX(I$23:I$51,MATCH(U23,G$23:G$51,0)))","v":-1.5}," ",null,null,null,"DSCR"]
[null,8.375,103.25,103.25,102.5,null,"Full Doc - Non-Owner",null,-0.5,null,"A",null,-1.25,null,"30YR IO Fixed",null,-0.5,null,"State",null,"All Other States",0,null,null,null,null,"No Ratio"]
[null,8.4990000000000006,103.5,103.5,102.75,null,"ITIN",null,-2,null,"B",null,-2,null,"40YR Fixed",null,-0.5,null,"Lock Term",null,"30 Day",{"$f":"INDEX(M32:M34,MATCH(U25,K32:K34,0))","v":0}]
[null,8.625,103.75,103.75,103,null,"VOE Only",null,-0.75,null,"C",null,-2,null,"40YR IO Fixed",null,-0.75,null,"UW Type",null,"Choose a Selection",{"$f":"IF(U26<>'Feed(Corr)'!U3,M41,0)","v":0}]
[null,8.75,104,104,103.25,null,"1099 Only",null,-0.75,null,"Select - DSCR",null,0.5,null,"5/6 30YR ARM",null,0,null,null,null,null,{"$f":"'Feed(Corr)'!B52","v":0},0]
[null,8.875,104.25,104.25,103.5,null,"Asset Utilization",null,-0.75,null,"DSCR (≥1.00)",null,0,null,"5/6 30YR IO ARM",null,-0.5,null,"  Total LLPA",null,null,{"$f":"SUM(V11:V27)","v":{"$error":"#N/A"}}]
[null,8.9990000000000006,104.75,104.75,104,null,"Debt Consol. >70% LTV",null,-0.75,null,"No Ratio (0.75-0.99)",null,-1.5,null,"5/6 40YR ARM",null,-0.5,null,"  Gross Rate Sheet Price (Prior to LLPAs)",null,null,{"$f":"INDEX(B11:E50,MATCH(U9,B11:B49,0),MATCH(U13,C10:E10,0)+1)","v":{"$error":"#N/A"}},null,null,null,null,"*** Extension Cost"]
[null,9.125,105,105,104.25,null,"Debt Consol. ≤ 70% LTV",null,-0.25,null,null,null,null,null,"7/6 30YR ARM",null,0,null,"  Net Price: Rate Sheet - LLPA (Prior to Max Price)",null,null,{"$f":"IFERROR(V29+V28,\"Minimum Rate\")","v":"Minimum Rate"}]
[null,9.25,105.25,105.25,104.5,null,"Cash-Out >70% LTV",null,-0.75,null,"Lock Days",null,null,null,"7/6 30YR IO ARM",null,-0.5,null,{"$f":"O34","v":"Max Price"},null,null,{"$f":"'Feed(Corr)'!D32","v":0},{"$f":"CONCATENATE('Feed(Corr)'!B177,\" \",'Feed(Corr)'!D177,\"%\" &\" @ \"&'Feed(Corr)'!E177)","v":"Near Par Rate - BPC 0% @ 0"},null,null,null,{"$f":"+K49","v":"Temporary Guidance See Below\nExtension Cost\n\n15 Days Max Extensions per schedule below, above 15 days contact the Lock Desk for exception\n\nRates 6.125% - 6.500% @ 15 bps / day\nRates 6.501% - 7.000% @ 10 bps /day\nRates 7.001% - 8.000% @ 7 bps / day\nRates >8.000% @ 2 bps / day"}]
[null,9.375,105.5,105.5,104.75,null,"Cash-Out ≤ 70% LTV",null,-0.25,null,"15 Day",null,0,null,"7/6 40YR ARM",null,-0.5,null,"  Net Rate Sheet Price ",null,null,{"$f":"IF(V30>V31,IF((V30)<V31,V30,V31),IF(V30<Q56,\"Min Price Req\",V30))","v":0}]
[null,9.4990000000000006,105.75,105.75,105,null,"3-4 Units",null,-0.5,null,"30 Day",null,0]
[null,9.625,106,106,105.25,null,"Second Home",null,-0.75,null,"45 Day",null,-0.5,null,"Max Price"]
[null,9.75,106.25,106.25,105.5,null,"No PPP \"See PPP Section\"",null,-1.5,null,null,null,null,null,"Owner Occ/Sec Home",null,101.5,null,"Comment Section"]
[null,9.875,106.5,106.5,105.75,null,"6 Months PPP",null,-1.5,null,"Minimum Rates by Doc Type",null,null,null,"Loans W/ No PPP",null,99.5]
[null,9.9990000000000006,106.75,106.75,106,null,"12 Months PPP",null,-1,null,"Full Doc","Alt Doc","DSCR",null,"Loans W/ 6 Month PPP",null,99.5]
[null,10.125,107,107,106.25,null,"24 Months PPP",null,-0.5,null,6.7500000000000004E-2,6.7500000000000004E-2,7.1249999999999994E-2,null,"Loans W/ 1YR PPP",null,101.5]
[null,10.25,107.25,107.25,106.5,null,"36 Months PPP",null,0,null,"≥$4,000,000",null,{"$error":"#N/A"},null,"Loans W/ 2YR PPP",null,101.5,null,"Loan Number",null,null,"Borrower Name"]
[null,10.375,107.5,107.5,106.75,null,"48 Months PPP",null,0.25,null,null,null,null,null,"Loans W/ 3YR PPP",null,101.5]
[null,10.499000000000001,107.75,107.75,107,null,"60 Months PPP",null,0.5,null,"Non Del Price Adj",null,0,null,"Loans W/ 4YR PPP",null,101.5,null,"Property Address"]
[null,10.625,108,108,107.25,null,"Escrow Waived",null,-0.25,null,null,null,null,null,"Loans W/ 5YR PPP",null,101.5]
[null,10.75,108.25,108.25,107.5,null,"NW Condo",null,-1,null,"Loan Term","Caps","Floor",null,">$3,000,000",null,99.5]
[null,null,null,null,null,null,"<$150,000",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-$1,000,000",null,0,null,"7/6 ARM","5/1/5",null,null,"ITIN/Foreign National",null,100,null,"'*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, IL1, MD, MI, MN, ND, NJ1, NM, OH, PA, RI\n1Prepay allowed for loans closed in the name of \na Corporation or LLC in IL, and 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“IL ~ no prepayment penalty may be applied on loans where APR exceeds 8%”"]
[null,null,null,null,null,null,">$1,000,000",null,0,null,"Index","6mo SOFR"]
[null,null,null,null,null,null,">$1,500,000",null,-0.25,null,"Reset Frequency",null,"6 Mo",null,"ARM Margins"]
[null,null,null,null,null,null,">$2,000,000",null,-0.75,null,null,null,null,null,"Occupancy",null,"Margin"]
[null,null,null,null,null,null,">$3,000,000",null,-1.5,null,"Temporary Guidance See Below\nExtension Cost\n\n15 Days Max Extensions per schedule below, above 15 days contact the Lock Desk for exception\n\nRates 6.125% - 6.500% @ 15 bps / day\nRates 6.501% - 7.000% @ 10 bps /day\nRates 7.001% - 8.000% @ 7 bps / day\nRates >8.000% @ 2 bps / day",null,null,null,"Primary Home",null,4]
[null,null,null,null,null,null,"Foreign Nat' With Fico",null,-1.5,null,null,null,null,null,"Second Home",null,4]
[null,null,null,null,null,null,"Purchase",null,0,null,null,null,null,null,"Investment Home",null,4]
[null,null,null,null,null,null,"Inv. & 2nd Home >80% LTV",null,-1]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Minimum Price"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"All Note Rates",null,95]

{"sheet":"Feed(Corr)","index":6,"n_rows":181,"n_cols":29,"rows_kept":181,"cut":false,"hidden":true,"merged":[[28,0,28,1],[23,0,23,1],[24,0,24,1],[25,0,25,1],[26,0,26,1],[27,0,27,1],[0,17,0,18],[19,0,19,2],[20,0,20,1],[21,0,21,1],[22,0,22,1],[79,8,79,11],[127,8,127,11],[176,1,176,2],[29,0,29,1],[30,0,30,1],[41,0,41,1],[177,1,177,2],[179,1,179,2],[180,1,180,2],[123,1,123,4],[79,1,79,4]]}
["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","Specials",null,"State","Foreign National"]
["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","Choose a Selection",0,"Choose a Selection","Choose a Selection"]
["740+","<=50","Select - Standard","Full Doc","None in this Dropdown","DTI <50% - 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","Non-QM Purchase Special",0,"Illinois","Delegated ",null,null,null,null,null,null,null," "]
["720-739","50.01-60","A+","Alt Doc","Asset Utilization","DTI ≥50% - All Doc Types","$150,000-$1,000,000","6 Months PPP","Escrow Waived","Refinances","1-2 Units","Second Home","30YR Fixed","30 Day",null,"Permanent Resident","Not Applicable2","DSCR Special",null,"Maryland","Non Delegated",null,null,null,null,null,null,null," "]
["700-719","60.01-65","A","DSCR","1099 Only","No DTI Program",">$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","None",null,"Michigan",null,null,null,null,null,null,null,null," "]
["680-699","65.01-70","B",null,"VOE Only",null,">$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," "]
["660-679","70.01-75","C",null,"Inv. & 2nd Home >80% LTV",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," "]
["640-659","75.01-80","Select - DSCR",null,null,null,">$3,000,000","48 Months PPP",null,"Cash-Out >70% LTV","PUD",null,"5/6 30YR ARM",null,null,null,null,null,null,"New Jersey",null,null,null,null,null,null,null,null," "]
["620-639","80.01-85","DSCR (≥1.00)",null,null,null,null,"60 Months PPP",null,null,null,null,"5/6 30YR IO ARM",null,null,null,null,null,null,"New Mexico",null,null,null,null,null,null,null,null," "]
["600-619","85.01-90","No Ratio (0.75-0.99)",null,null,null,null,null,null,null,null,null,"5/6 40YR ARM",null,null,null,null,null,null,"Pennsylvania",null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,"7/6 30YR ARM",null,null,null,null,null,null,"Texas"]
[null,null,null,null,null,null,null,null,null,null,null,null,"7/6 30YR IO ARM",null,null,null,null,null,null,"All Other States",null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,"7/6 40YR ARM",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[]
[]
[]
[]
[]
[]
[{"$f":"'NanQ ONE Program(Corr)'!O34","v":"Max Price"},null,null,"Rules"]
[{"$f":"'NanQ ONE Program(Corr)'!O35","v":"Owner Occ/Sec Home"},null,{"$f":"'NanQ ONE Program(Corr)'!Q35","v":101.5},{"$f":"IF(OR('NanQ ONE Program(Corr)'!U19=L3:L4),C21,\"\")","v":""}]
[{"$f":"'NanQ ONE Program(Corr)'!O36","v":"Loans W/ No PPP"},null,{"$f":"'NanQ ONE Program(Corr)'!Q36","v":99.5},{"$f":"IF(AND(OR('NanQ ONE Program(Corr)'!U19=L5:L6),'NanQ ONE Program(Corr)'!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," "]
[{"$f":"'NanQ ONE Program(Corr)'!O37","v":"Loans W/ 6 Month PPP"},null,{"$f":"'NanQ ONE Program(Corr)'!Q37","v":99.5},{"$f":"IF(AND(OR('NanQ ONE Program(Corr)'!U19=L5:L6),'NanQ ONE Program(Corr)'!U23=H4),C23,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[{"$f":"'NanQ ONE Program(Corr)'!O38","v":"Loans W/ 1YR PPP"},null,{"$f":"'NanQ ONE Program(Corr)'!Q38","v":101.5},{"$f":"IF(AND(OR('NanQ ONE Program(Corr)'!U19=L5:L6),'NanQ ONE Program(Corr)'!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," "]
[{"$f":"'NanQ ONE Program(Corr)'!O39","v":"Loans W/ 2YR PPP"},null,{"$f":"'NanQ ONE Program(Corr)'!Q39","v":101.5},{"$f":"IF(AND(OR('NanQ ONE Program(Corr)'!U19=L5:L6),'NanQ ONE Program(Corr)'!U23=H6),C25,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[{"$f":"'NanQ ONE Program(Corr)'!O40","v":"Loans W/ 3YR PPP"},null,{"$f":"'NanQ ONE Program(Corr)'!Q40","v":101.5},{"$f":"IF(AND(OR('NanQ ONE Program(Corr)'!U19=L5:L6),'NanQ ONE Program(Corr)'!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," "]
[{"$f":"'NanQ ONE Program(Corr)'!O41","v":"Loans W/ 4YR PPP"},null,{"$f":"'NanQ ONE Program(Corr)'!Q41","v":101.5},{"$f":"IF(AND(OR('NanQ ONE Program(Corr)'!U19=L5:L6),'NanQ ONE Program(Corr)'!U23=H8),C27,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[{"$f":"'NanQ ONE Program(Corr)'!O42","v":"Loans W/ 5YR PPP"},null,{"$f":"'NanQ ONE Program(Corr)'!Q42","v":101.5},{"$f":"IF(AND(OR('NanQ ONE Program(Corr)'!U19=L5:L6),'NanQ ONE Program(Corr)'!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":"'NanQ ONE Program(Corr)'!O43","v":">$3,000,000"},null,{"$f":"'NanQ ONE Program(Corr)'!Q43","v":99.5},{"$f":"IF('NanQ ONE Program(Corr)'!U17=G8,C29,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[{"$f":"'NanQ ONE Program(Corr)'!O44","v":"80.01-90.00% LTV"},null,{"$f":"'NanQ ONE Program(Corr)'!Q44","v":100},{"$f":"IF(OR('NanQ ONE Program(Corr)'!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," "]
[{"$f":"'NanQ ONE Program(Corr)'!O45","v":"ITIN/Foreign National"},null,{"$f":"'NanQ ONE Program(Corr)'!Q45","v":100},{"$f":"IF(OR('NanQ ONE Program(Corr)'!U15=P6:P7),C31,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,"Final price  →",{"$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",{"$f":"IF(AND(OR('NanQ ONE Program(Corr)'!U10='Feed(Corr)'!B5:B10),'NanQ ONE Program(Corr)'!U12=\"No Ratio (0.75-0.99)\"),TRUE,FALSE)","v":false},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["Disqualifiers",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[" Foreign National",{"$f":"IF(AND('NanQ ONE Program(Corr)'!U15='Feed(Corr)'!P7,OR('NanQ ONE Program(Corr)'!U11='Feed(Corr)'!A6:A10)),NA(),\"\")","v":""},"FN minimum 700 Fico rule",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," "]
["ITIN",{"$f":"IF(AND('NanQ ONE Program(Corr)'!U15='Feed(Corr)'!P6,'NanQ ONE Program(Corr)'!U10=B10),NA(),\"\")","v":""},"ITIN N/A for 85.01-90% LTV",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["ITIN",{"$f":"IF(AND('NanQ ONE Program(Corr)'!U15='Feed(Corr)'!P6,OR('NanQ ONE Program(Corr)'!U11='Feed(Corr)'!A8:A10)),NA(),\"\")","v":""},"ITIN minimum 660 Fico rule",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," "]
[" Foreign National",{"$f":"IF(AND('NanQ ONE Program(Corr)'!U15='Feed(Corr)'!P7,OR('NanQ ONE Program(Corr)'!U17='Feed(Corr)'!G7:G8)),NA(),\"\")","v":""},"FN 0-2 mil loan amount max",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["ITIN",{"$f":"IF(AND('NanQ ONE Program(Corr)'!U15='Feed(Corr)'!P6,OR('NanQ ONE Program(Corr)'!U17='Feed(Corr)'!G6:G8)),NA(),\"\")","v":""},"ITIN 0-1.5 mil loan amount max",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," "]
["85.01-90% LTV",{"$f":"IF(AND('NanQ ONE Program(Corr)'!U10='Feed(Corr)'!B10,'NanQ ONE Program(Corr)'!U12='Feed(Corr)'!C4,OR('NanQ ONE Program(Corr)'!U19='Feed(Corr)'!L4:L6)),NA(),\"\")","v":""},"A+ / NOO or 2nd home / 85.01-90%",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["C Grade >70%",{"$f":"IF(AND('NanQ ONE Program(Corr)'!U12='Feed(Corr)'!C7,OR('NanQ ONE Program(Corr)'!U10='Feed(Corr)'!B7:B10)),NA(),\"\")","v":""},"C Grade /  >70% LTV",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," "]
["PPP >80% LTV",{"$f":"IF(AND(OR('NanQ ONE Program(Corr)'!U10='Feed(Corr)'!B9:B10),OR('NanQ ONE Program(Corr)'!U19='Feed(Corr)'!L5:L6),OR('NanQ ONE Program(Corr)'!U23='Feed(Corr)'!H2:H6)),NA(),\"\")","v":""},"80.01-90% / NOO / 3YR PP Minimum",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["Inv. & 2nd Home >80% LTV",{"$f":"IF(AND(OR('NanQ ONE Program(Corr)'!U10=B9:B10),OR('NanQ ONE Program(Corr)'!U19=L4:L6),'NanQ ONE Program(Corr)'!U14<>E7),NA(),\"\")","v":""},"Inv and 2nd homes >80% / must select hit under \"Additional Adjustments\"",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",{"$f":"SUM('Feed(Corr)'!B43:B51)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["Occupancy",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[{"$f":"IF(AND('NanQ ONE Program(Corr)'!U18='Feed(Corr)'!J3,OR('NanQ ONE Program(Corr)'!U10='Feed(Corr)'!B9:B10),'NanQ ONE Program(Corr)'!U12='Feed(Corr)'!C4),TRUE(),FALSE)","v":false},"80.01 - 90%/ A+/ Purch",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," "]
[{"$f":"IF(AND('NanQ ONE Program(Corr)'!U10='Feed(Corr)'!B9,'NanQ ONE Program(Corr)'!U12='Feed(Corr)'!C5,OR('NanQ ONE Program(Corr)'!U11='Feed(Corr)'!A3:A4),'NanQ ONE Program(Corr)'!U18='Feed(Corr)'!J3,'NanQ ONE Program(Corr)'!U19='Feed(Corr)'!L3),TRUE,FALSE)","v":false},"80.01-85% / \"A\" Grade / 720 FICO / Purch / Primary",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[{"$f":"OR('NanQ ONE Program(Corr)'!U10='Feed(Corr)'!B3:B8)","v":false},"<80% LTV's",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," "]
[{"$f":"IF(AND('NanQ ONE Program(Corr)'!U10='Feed(Corr)'!B9,'NanQ ONE Program(Corr)'!U13='Feed(Corr)'!D5,'NanQ ONE Program(Corr)'!U12='Feed(Corr)'!C9,OR('NanQ ONE Program(Corr)'!U11=A3:A4),'NanQ ONE Program(Corr)'!U18='Feed(Corr)'!J3),TRUE,FALSE)","v":false},"80.01-85% / DSCR / >=1.00 Grade / Purch / 720+",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Base Rate / Base Price",null,null,null,null,null,null,"Base Rate / Base Price"]
[null,"Coupon","Full Doc","Alt Doc","DSCR",null,"Total LLPA",null,"Coupon","Full Doc","Alt Doc","DSCR",null,0]
[null,{"$f":"'NanQ ONE Program(Corr)'!B11","v":6.75},{"$f":"'NanQ ONE Program(Corr)'!C11","v":99.5},{"$f":"'NanQ ONE Program(Corr)'!D11","v":99.5},{"$f":"'NanQ ONE Program(Corr)'!E11","v":"N/A"},null,{"$f":"SUM('NanQ ONE Program(Corr)'!V11:V27)","v":{"$error":"#N/A"}},1,{"$f":"B82","v":6.75},{"$f":"C82+$G$82","v":{"$error":"#N/A"}},{"$f":"D82+$G$82","v":{"$error":"#N/A"}},{"$error":"#VALUE!"},null,{"$f":"I82:I121","v":6.75}]
[null,{"$f":"'NanQ ONE Program(Corr)'!B12","v":6.875},{"$f":"'NanQ ONE Program(Corr)'!C12","v":99.75},{"$f":"'NanQ ONE Program(Corr)'!D12","v":99.75},{"$f":"'NanQ ONE Program(Corr)'!E12","v":"N/A"},null,".",2,{"$f":"B83","v":6.875},{"$f":"C83+$G$82","v":{"$error":"#N/A"}},{"$error":"#N/A"},{"$error":"#VALUE!"},null,6.875]
[null,{"$f":"'NanQ ONE Program(Corr)'!B13","v":6.9989999999999997},{"$f":"'NanQ ONE Program(Corr)'!C13","v":100},{"$f":"'NanQ ONE Program(Corr)'!D13","v":100},{"$f":"'NanQ ONE Program(Corr)'!E13","v":"N/A"},null,"Total Price",3,6.9989999999999997,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#VALUE!"},null,6.9989999999999997]
[null,{"$f":"'NanQ ONE Program(Corr)'!B14","v":7.125},{"$f":"'NanQ ONE Program(Corr)'!C14","v":100.25},{"$f":"'NanQ ONE Program(Corr)'!D14","v":100.25},{"$f":"'NanQ ONE Program(Corr)'!E14","v":99.5},null,{"$f":"'NanQ ONE Program(Corr)'!V32","v":0},4,7.125,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,7.125]
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[null,{"$f":"'NanQ ONE Program(Corr)'!B16","v":7.375},{"$f":"'NanQ ONE Program(Corr)'!C16","v":100.75},{"$f":"'NanQ ONE Program(Corr)'!D16","v":100.75},{"$f":"'NanQ ONE Program(Corr)'!E16","v":100},null,null,6,7.375,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,7.375]
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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":"M126","v":0},{"$f":"IF(M128>D32,D32,M128)","v":0}]
[null,"Near Par Rate - BPC",null,null,{"$f":"IF(E177>'NanQ ONE Program(Corr)'!V30,'NanQ ONE Program(Corr)'!V30,E177)","v":0}]
[]
[null,"Near Par Rate - LPC",null,{"$f":"M174","v":0},{"$f":"M176","v":0}]
[null,"Near Par Rate - LPC",null,null,{"$f":"IF(E180>V31,E180)","v":false}]

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[null,null,null,null,null,null,null,"LoanStream Mortgage",null,null,null,null,"Retail NanQ"]
[]
[null,null,null,null,null,null,null,"19000 MacArthur Blvd, Suite 200",null,null,null,null,"30 Day Lock Period"]
[null,null,null,null,null,null,null,"Irvine, CA 92612"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Effective Date:",null,"2022-10-03"]
[null,"NanQ \"ONE\" Program",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PriceOne Calculator"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Inputs",null,"Retail Ratesheet",null,null,null,"Full Doc Column Includes"]
[null,"Base Rate / Base Price",null,null,null,null,"FICO/LTV Price Adjustments",null,null,null,null,null,null,null,null,null,null,null,"Interest Rate",null,0,null,null,{"$f":"O5","v":"2022-10-03"},null,null,"Tax Returns"]
[null,"Rate","Full Doc","Alt Doc","DSCR",null,null,null,"<=50","50.01-60","60.01-65","65.01-70","70.01-75","75.01-80","80.01-85","85.01-90","90.01-95",null,"LTV Range",null,"Choose a Selection",null,null,null,null,null,"VOE Only"]
[null,6.75,98.5,98.5,"N/A",null,"740+",null,0,-0.25,-0.5,-0.75,-1.25,-1.75,-3.75,-5,{"$error":"#N/A"},null,"FICO Range",null,"Choose a Selection",{"$f":"IF(U11=\"Choose Selection\",0,(IF((ISERROR((IF(U15=\"Foreign Nat' With Fico\",0,(INDEX(I11:Q19,MATCH(U11,G11:G19,0),MATCH(U10,I10:Q10)))))))=TRUE,NA(),(INDEX(I11:Q19,MATCH(U11,G11:G19,0),MATCH(U10,I10:Q10))))))","v":{"$error":"#N/A"}},null,null,null,null,"1099 Only"]
[null,6.875,98.75,98.75,"N/A",null,"720-739",null,-0.25,-0.5,-0.75,-1.25,-1.75,-2.25,-4.25,-5.5,{"$error":"#N/A"},null,"Grade",null,"Choose a Selection",{"$f":"IF(U12=\"Choose a Selection\",0,(INDEX(M22:M29,MATCH(U12,K22:K29,0))))","v":0},null,null,null,null,"Asset Utilization Only"]
[null,6.9989999999999997,99,99,"N/A",null,"700-719",null,-0.5,-1,-1.5,-2,-2.5,-3,-4.75,-6,{"$error":"#N/A"},null,"Doc Type",null,"Choose a Selection",null,null,null,null,null,"Asset Utilization W/ Full Doc"]
[null,7.125,99.25,99.25,98.5,null,"680-699",null,-0.75,-1.5,-2.25,-2.75,-3.25,-3.75,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"Additional Adjs",null,"Choose a Selection",{"$f":"IF(AND(OR(U10='Feed(Retail)'!B9:B10),OR(U14='Feed(Retail)'!E4:E6)),NA(),IF((AND((IF(U10=\"85.01-90\",1,0))=1,(IF(U13=\"DSCR\",1,0))=1))=TRUE,NA(),(IF(OR((AND(OR(U11='Feed(Retail)'!$A$5:$A$10),IF(U10=\"80.01-85\",1,0),IF(U13=\"DSCR\",1,0)))=TRUE,(AND(OR(U11='Feed(Retail)'!A3:A10),IF(U10=\"80.01-85\",1,0),IF(U13=\"DSCR\",1,0),OR(U18='Feed(Retail)'!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$23:I$52,MATCH(U14,G$23:G$52,0))))))))))","v":0}]
[null,7.25,99.5,99.5,98.75,null,"660-679",null,-1.25,-2,-2.75,-3.25,-3.75,-4.25,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"Citizenships",null,"Choose a Selection",{"$f":"(IF(U15=\"US Citizen\",0,(IF(U15=\"Permanent Resident\",0,(IF(U15=\"Non Perm Resident\",0,(IF(U15=\"ITIN\",VLOOKUP(U15,G23:I51,3,0),(IF(U15=\"Foreign Nat' No Fico\",INDEX(I11:Q19,MATCH(U15,G11:G19,0),MATCH(U10,I10:Q10)),IF(U15=\"Foreign Nat' With Fico\",IF(U15=\"Foreign Nat' With Fico\",INDEX(G23:I51,(MATCH(U15,G23:G51,0)),3)),NA())))))))))))","v":{"$error":"#N/A"}},null,null,null,null,"Alt Doc Column Includes"]
[null,7.375,99.75,99.75,99,null,"640-659",null,-2,-2.75,-3.5,-4,-4.75,-5.5,{"$error":"#N/A"},{"$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(Retail)'!B3:B8),1,0)),(IF(OR(U11='Feed(Retail)'!A3:A7),1,0)),(IF(U12=\"A+\",1,0)))),IF(U16=\"Choose a Selection\",0,(IF(U16=\"DTI <50% - All Doc Types\",0,IF(U16=\"No DTI Program\",0,INDEX(I$23:I$51,MATCH(U16,G$23:G$51,0)))))),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 <50% - All Doc Types\",0,IF(U16=\"No DTI Program\",0,INDEX(I$23:I$51,MATCH(U16,G$23:G$51,0))))))))","v":0},null,null,null,null,"12 Bank Statements"]
[null,7.4989999999999997,100,100,99.25,null,"620-639",null,-2.5,-3.25,-4,-4.75,-5.5,-6.25,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"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$22:I$51,MATCH(U17,G$22:G$51,0)))))))","v":0},"No Ratio 0.75 - 0.99 (Review Matrix for LTV Qualification) ",null,null,null,"12 or 24 CPA P&L"]
[null,7.625,100.25,100.25,99.5,null,"600-619",null,-3,-3.75,-4.5,-5.25,-6.25,-7.25,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"Purpose",null,"Choose a Selection",{"$f":"IF(AND(OR(U18='Feed(Retail)'!J5:J9),U10=\"85.01-90\"),NA(),IF(ISERROR(IF(OR(U18=\"Purchase\",U18=\"Rate/Term Refi\"),0,INDEX(I$23:I$51,MATCH(U18,G$23:G$51,0)))),0,INDEX(I$23:I$51,MATCH(U18,G$23:G$51,0))))","v":0},null,null,null,null,"Asset Utlization W/ Bank Stmt"]
[null,7.75,100.5,100.5,99.75,null,"Foreign Nat' No Fico",null,{"$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,"Occupancy",null,"Choose a Selection",{"$f":"IF(OR('Feed(Retail)'!A55:A58=TRUE),IF(U19=\"Choose a Selection\",0,(IF(OR(U19=\"Primary\"),0,IF(OR(U19=\"Non-Owner (Alt Doc/DSCR)\"),0,INDEX(I$23:I$51,MATCH(U19,G$23:G$51,0)))))),NA())","v":{"$error":"#N/A"}}]
[null,7.875,100.75,100.75,100,null,null,null,null,null,null,null,null,null,null,null,null,null,"Property Type",null,"Choose a Selection",{"$f":"IF(AND(OR(U10='Feed(Retail)'!B8:B10),OR(U20='Feed(Retail)'!K7)),NA(),IF(U17=\"Choose a Selection\",0,(IF(OR(U20=\"SFR\",U20=\"1-2 Units\",U20=\"PUD\",U20=\"Condo\"),0,INDEX(I$23:I$51,MATCH(U20,G$23:G$51,0))))))","v":0}]
[null,7.9989999999999997,101.5,101.5,100.75,null,"Loan Level Price Adjustments",null,null,null,"Grades",null,null,null,"Loan Term",null,null,null,"Loan Term",null,"30YR Fixed",{"$f":"IF(AND(U10='Feed(Retail)'!B10,OR(U21='Feed(Retail)'!M5:M6,U21='Feed(Retail)'!M9,U21='Feed(Retail)'!M12)),NA(),INDEX(Q22:Q32,MATCH(U21,O22:O32,0)))","v":0},null,null,null,null,"DSCR/No Ratio Column Includes"]
[null,8.125,101.75,101.75,101,null,null,null,"LLPA",null,"Select - Standard",null,0.75,null,"15YR Fixed",null,0.25,null,"Escrow",null,"Escrow Not Waived",{"$f":"IF(U22=\"Escrow Not Waived\",0,INDEX(I$23:I$51,MATCH(U22,G$23:G$51,0)))","v":0},null,null,null,null,"DSCR"]
[null,8.25,102,102,101.25,null,"DTI ≥50% - All Doc Types",null,-0.5,null,"A+",null,0.25,null,"30YR Fixed",null,0,null,"Prepayment Penalty",null,"No PPP *See PPP Section*",{"$f":"IF(OR(U19=\"Primary\",U19=\"Second Home\"),0,INDEX(I$23:I$51,MATCH(U23,G$23:G$51,0)))","v":-1.5}," ",null,null,null,"No Ratio"]
[null,8.375,102.25,102.25,101.5,null,"Full Doc - Non-Owner",null,-0.5,null,"A",null,-1.25,null,"30YR IO Fixed",null,-0.5,null,"State",null,"All Other States",0]
[null,8.4990000000000006,102.5,102.5,101.75,null,"ITIN",null,-2,null,"B",null,-2,null,"40YR Fixed",null,-0.5,null,"Lock Term",null,"30 Day",{"$f":"INDEX(M32:M34,MATCH(U25,K32:K34,0))","v":0},null,null,null,null,"*** Extension Cost"]
[null,8.625,102.75,102.75,102,null,"VOE Only",null,-0.75,null,"C",null,-2,null,"40YR IO Fixed",null,-0.75,null,"Spring Special",null,"Choose a Selection",{"$f":"'Feed(Retail)'!S2","v":0},null,null,null,null,{"$f":"K49","v":"Temporary Guidance See Below\nExtension Cost\n\n15 Days Max Extensions per schedule below, above 15 days contact the Lock Desk for exception\n\nRates 6.125% - 6.500% @ 15 bps / day\nRates 6.501% - 7.000% @ 10 bps /day\nRates 7.001% - 8.000% @ 7 bps / day\nRates >8.000% @ 2 bps / day"}]
[null,8.75,103,103,102.25,null,"1099 Only",null,-0.75,null,"Select - DSCR",null,0.5,null,"5/6 30YR ARM",null,0,null,"Appraisal In?",null,null,{"$f":"'Feed(Retail)'!B52","v":0},0]
[null,8.875,103.25,103.25,102.5,null,"Asset Utilization",null,-0.75,null,"DSCR (≥1.00)",null,0,null,"5/6 30YR IO ARM",null,-0.5,null,"  Total LLPA",null,null,{"$f":"SUM(V11:V27)","v":{"$error":"#N/A"}},{"$f":"CONCATENATE(S31,\" \",\"is\",\" \", V31)","v":"Max YSP is 0"}]
[null,8.9990000000000006,103.75,103.75,103,null,"Debt Consol. >70% LTV",null,-0.75,null,"No Ratio (0.75-0.99)",null,-1.5,null,"5/6 40YR ARM",null,-0.5,null,"  Gross Rate Sheet Price (Prior to LLPAs)",null,null,{"$f":"INDEX(B11:E68,MATCH(U9,B11:B68,0),MATCH(U13,C10:E10,0)+1)","v":{"$error":"#N/A"}}]
[null,9.125,104,104,103.25,null,"Debt Consol. ≤ 70% LTV",null,-0.25,null,null,null,null,null,"7/6 30YR ARM",null,0,null,"  Net Price: Rate Sheet - LLPA (Prior to Max Price)",null,null,{"$f":"IFERROR(V29+V28,\"Minimum Rate\")","v":"Minimum Rate"}]
[null,9.25,104.25,104.25,103.5,null,"Cash-Out >70% LTV",null,-0.75,null,"Lock Days",null,null,null,"7/6 30YR IO ARM",null,-0.5,null,"Max YSP",null,null,{"$f":"'Feed(Retail)'!D32","v":0},{"$f":"CONCATENATE('Feed(Retail)'!B177,\" \",'Feed(Retail)'!D177,\"%\"&\" @ \"&'Feed(Retail)'!E177)","v":"Near Par Rate - BPC 0% @ 0"}]
[null,9.375,104.5,104.5,103.75,null,"Cash-Out ≤ 70% LTV",null,-0.25,null,"15 Day",null,0,null,"7/6 40YR ARM",null,-0.5,null,"Final Price  →",null,null,{"$f":"IFERROR(IF(V30>V31,IF((V30+V33)<V31,V30+V33,V31),V30+V33),\"Final Price\")","v":"Final Price"}]
[null,9.4990000000000006,104.75,104.75,104,null,"3-4 Units",null,-0.5,null,"30 Day",null,0]
[null,9.625,105,105,104.25,null,"Second Home",null,-0.75,null,"45 Day",null,-0.5,null,"Max Price"]
[null,9.75,105.25,105.25,104.5,null,"No PPP \"See PPP Section\"",null,-1.5,null,null,null,null,null,"Owner Occ/Sec Home",null,99.5,null,"Comment Section"]
[null,9.875,105.5,105.5,104.75,null,"6 Months PPP",null,-1.5,null,"Minimum Rates by Doc Type",null,null,null,"Loans W/ No PPP",null,98.5]
[null,9.9990000000000006,105.75,105.75,105,null,"12 Months PPP",null,-1,null,"Full Doc","Alt Doc","DSCR",null,"Loans W/ 6 Month PPP",null,98.5]
[null,10.125,106,106,105.25,null,"24 Months PPP",null,-0.5,null,6.7500000000000004E-2,6.7500000000000004E-2,7.1249999999999994E-2,null,"Loans W/ 1YR PPP",null,99.5]
[null,10.25,106.25,106.25,105.5,null,"36 Months PPP",null,0,null,"≥$4,000,000",null,{"$error":"#N/A"},null,"Loans W/ 2YR PPP",null,99.5,null,"Loan Number",null,null,"Borrower Name"]
[null,10.375,106.5,106.5,105.75,null,"48 Months PPP",null,0.25,null,null,null,null,null,"Loans W/ 3YR PPP",null,99.5]
[null,10.499000000000001,106.75,106.75,106,null,"60 Months PPP",null,0.5,null,null,null,null,null,"Loans W/ 4YR PPP",null,99.5,null,"Property Address"]
[null,10.625,107,107,106.25,null,"Escrow Waived",null,-0.25,null,null,null,null,null,"Loans W/ 5YR PPP",null,99.5]
[null,10.75,107.25,107.25,106.5,null,"NW Condo",null,-1,null,"Loan Term","Caps","Floor",null,">$3,000,000",null,99]
[null,null,null,null,null,null,"<$150,000",null,-1,null,"5/6 ARM","2/1/5","=Rate",null,"80.01-90.00% LTV",null,99.5]
[null,null,null,null,null,null,"$150,000-$1,000,000",null,0,null,"7/6 ARM","5/1/5",null,null,"ITIN/Foreign National",null,99.5,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, IL1, MD, MI, MN, ND, NJ1, NM, OH, PA, RI\n1Prepay allowed for loans closed in the name of \na Corporation or LLC in IL, and 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“IL ~ no prepayment penalty may be applied on loans where APR exceeds 8%”"]
[null,null,null,null,null,null,">$1,000,000",null,0,null,"Index","SOFR 30 DAY AVG"]
[null,null,null,null,null,null,">$1,500,000",null,-0.25,null,"Reset Frequency",null,"6 Mo",null,"Margins"]
[null,null,null,null,null,null,">$2,000,000",null,-0.75,null,null,null,null,null,"Occupancy",null,"Margin"]
[null,null,null,null,null,null,">$3,000,000",null,-1.5,null,{"$f":"'NanQ ONE Program'!K49","v":"Temporary Guidance See Below\nExtension Cost\n\n15 Days Max Extensions per schedule below, above 15 days contact the Lock Desk for exception\n\nRates 6.125% - 6.500% @ 15 bps / day\nRates 6.501% - 7.000% @ 10 bps /day\nRates 7.001% - 8.000% @ 7 bps / day\nRates >8.000% @ 2 bps / day"},null,null,null,"Primary Home",null,4]
[null,null,null,null,null,null,"Foreign Nat' With Fico",null,-1.5,null,null,null,null,null,"Second Home",null,4]
[null,null,null,null,null,null,"Purchase",null,0,null,null,null,null,null,"Investment Home",null,4]
[null,null,null,null,null,null,"Inv. & 2nd Home >80% LTV",null,-1]

{"sheet":"Feed(Retail)","index":8,"n_rows":181,"n_cols":29,"rows_kept":181,"cut":false,"hidden":true,"merged":[[28,0,28,1],[23,0,23,1],[24,0,24,1],[25,0,25,1],[26,0,26,1],[27,0,27,1],[0,17,0,18],[19,0,19,2],[20,0,20,1],[21,0,21,1],[22,0,22,1],[177,1,177,2],[179,1,179,2],[180,1,180,2],[123,1,123,4],[79,1,79,4],[29,0,29,1],[30,0,30,1],[41,0,41,1],[127,8,127,11],[176,1,176,2],[79,8,79,11]]}
["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","Specials"]
["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","Choose a Selection",0,"State"]
["740+","<=50","Select - Standard","Full Doc","None in this Dropdown","DTI <50% - 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","Non-QM Purchase Special",0,"Choose a Selection",null,null,null,null,null,null,null,null," "]
["720-739","50.01-60","A+","Alt Doc","Asset Utilization","DTI ≥50% - All Doc Types","$150,000-$1,000,000","6 Months PPP","Escrow Waived","Refinances","1-2 Units","Second Home","30YR Fixed","30 Day",null,"Permanent Resident","Not Applicable2","DSCR Special",null,"Illinois",null,null,null,null,null,null,null,null," "]
["700-719","60.01-65","A","DSCR","1099 Only","No DTI Program",">$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","None",null,"Maryland",null,null,null,null,null,null,null,null," "]
["680-699","65.01-70","B",null,"VOE Only",null,">$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,"Michigan",null,null,null,null,null,null,null,null," "]
["660-679","70.01-75","C",null,"Inv. & 2nd Home >80% LTV",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,"Minnesota",null,null,null,null,null,null,null,null," "]
["640-659","75.01-80","Select - DSCR",null,null,null,">$3,000,000","48 Months PPP",null,"Cash-Out >70% LTV","PUD",null,"5/6 30YR ARM",null,null,null,null,null,null,"North Dakota",null,null,null,null,null,null,null,null," "]
["620-639","80.01-85","DSCR (≥1.00)",null,null,null,null,"60 Months PPP",null,null,null,null,"5/6 30YR IO ARM",null,null,null,null,null,null,"New Jersey",null,null,null,null,null,null,null,null," "]
["600-619","85.01-90","No Ratio (0.75-0.99)",null,null,null,null,null,null,null,null,null,"5/6 40YR ARM",null,null,null,null,null,null,"New Mexico",null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,"7/6 30YR ARM",null,null,null,null,null,null,"Pennsylvania"]
[null,null,null,null,null,null,null,null,null,null,null,null,"7/6 30YR IO ARM",null,null,null,null,null,null,"Texas",null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,"7/6 40YR ARM",null,null,null,null,null,null,"All Other States",null,null,null,null,null,null,null,null," "]
[]
[]
[]
[]
[]
[]
[{"$f":"'NanQ ONE Program(Retail)'!O34","v":"Max Price"},null,null,"Rules"]
[{"$f":"'NanQ ONE Program(Retail)'!O35","v":"Owner Occ/Sec Home"},null,{"$f":"'NanQ ONE Program(Retail)'!Q35","v":99.5},{"$f":"IF(OR('NanQ ONE Program(Retail)'!U19=L3:L4),C21,\"\")","v":""}]
[{"$f":"'NanQ ONE Program(Retail)'!O36","v":"Loans W/ No PPP"},null,{"$f":"'NanQ ONE Program(Retail)'!Q36","v":98.5},{"$f":"IF(AND(OR('NanQ ONE Program(Retail)'!U19=L5:L6),'NanQ ONE Program(Retail)'!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," "]
[{"$f":"'NanQ ONE Program(Retail)'!O37","v":"Loans W/ 6 Month PPP"},null,{"$f":"'NanQ ONE Program(Retail)'!Q37","v":98.5},{"$f":"IF(AND(OR('NanQ ONE Program(Retail)'!U19=L5:L6),'NanQ ONE Program(Retail)'!U23=H4),C23,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[{"$f":"'NanQ ONE Program(Retail)'!O38","v":"Loans W/ 1YR PPP"},null,{"$f":"'NanQ ONE Program(Retail)'!Q38","v":99.5},{"$f":"IF(AND(OR('NanQ ONE Program(Retail)'!U19=L5:L6),'NanQ ONE Program(Retail)'!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," "]
[{"$f":"'NanQ ONE Program(Retail)'!O39","v":"Loans W/ 2YR PPP"},null,{"$f":"'NanQ ONE Program(Retail)'!Q39","v":99.5},{"$f":"IF(AND(OR('NanQ ONE Program(Retail)'!U19=L5:L6),'NanQ ONE Program(Retail)'!U23=H6),C25,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[{"$f":"'NanQ ONE Program(Retail)'!O40","v":"Loans W/ 3YR PPP"},null,{"$f":"'NanQ ONE Program(Retail)'!Q40","v":99.5},{"$f":"IF(AND(OR('NanQ ONE Program(Retail)'!U19=L5:L6),'NanQ ONE Program(Retail)'!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," "]
[{"$f":"'NanQ ONE Program(Retail)'!O41","v":"Loans W/ 4YR PPP"},null,{"$f":"'NanQ ONE Program(Retail)'!Q41","v":99.5},{"$f":"IF(AND(OR('NanQ ONE Program(Retail)'!U19=L5:L6),'NanQ ONE Program(Retail)'!U23=H8),C27,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[{"$f":"'NanQ ONE Program(Retail)'!O42","v":"Loans W/ 5YR PPP"},null,{"$f":"'NanQ ONE Program(Retail)'!Q42","v":99.5},{"$f":"IF(AND(OR('NanQ ONE Program(Retail)'!U19=L5:L6),'NanQ ONE Program(Retail)'!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":"'NanQ ONE Program(Retail)'!O43","v":">$3,000,000"},null,{"$f":"'NanQ ONE Program(Retail)'!Q43","v":99},{"$f":"IF('NanQ ONE Program(Retail)'!U17=G8,C29,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[{"$f":"'NanQ ONE Program(Retail)'!O44","v":"80.01-90.00% LTV"},null,{"$f":"'NanQ ONE Program(Retail)'!Q44","v":99.5},{"$f":"IF(OR('NanQ ONE Program(Retail)'!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," "]
[{"$f":"'NanQ ONE Program(Retail)'!O45","v":"ITIN/Foreign National"},null,{"$f":"'NanQ ONE Program(Retail)'!Q45","v":99.5},{"$f":"IF(OR('NanQ ONE Program(Retail)'!U15=P6:P7),C31,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,"Final price  →",{"$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",{"$f":"IF(AND(OR('NanQ ONE Program(Retail)'!U10='Feed(Retail)'!B5:B10),'NanQ ONE Program(Retail)'!U12=\"No Ratio (0.75-0.99)\"),TRUE,FALSE)","v":false},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["Disqualifiers",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[" Foreign National",{"$f":"IF(AND('NanQ ONE Program(Retail)'!U15='Feed(Retail)'!P7,OR('NanQ ONE Program(Retail)'!U11='Feed(Retail)'!A6:A10)),NA(),\"\")","v":""},"FN minimum 700 Fico rule",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," "]
["ITIN",{"$f":"IF(AND('NanQ ONE Program(Retail)'!U15='Feed(Retail)'!P6,'NanQ ONE Program(Retail)'!U10=B10),NA(),\"\")","v":""},"ITIN N/A for 85.01-90% LTV",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["ITIN",{"$f":"IF(AND('NanQ ONE Program(Retail)'!U15='Feed(Retail)'!P6,OR('NanQ ONE Program(Retail)'!U11='Feed(Retail)'!A8:A10)),NA(),\"\")","v":""},"ITIN minimum 660 Fico rule",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," "]
[" Foreign National",{"$f":"IF(AND('NanQ ONE Program(Retail)'!U15='Feed(Retail)'!P7,OR('NanQ ONE Program(Retail)'!U17='Feed(Retail)'!G7:G8)),NA(),\"\")","v":""},"FN 0-2 mil loan amount max",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["ITIN",{"$f":"IF(AND('NanQ ONE Program(Retail)'!U15='Feed(Retail)'!P6,OR('NanQ ONE Program(Retail)'!U17='Feed(Retail)'!G6:G8)),NA(),\"\")","v":""},"ITIN 0-1.5 mil loan amount max",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," "]
["85.01-90% LTV",{"$f":"IF(AND('NanQ ONE Program(Retail)'!U10='Feed(Retail)'!B10,'NanQ ONE Program(Retail)'!U12='Feed(Retail)'!C4,OR('NanQ ONE Program(Retail)'!U19='Feed(Retail)'!L4:L6)),NA(),\"\")","v":""},"A+ / NOO or 2nd home / 85.01-90%",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["C Grade >70%",{"$f":"IF(AND('NanQ ONE Program(Retail)'!U12='Feed(Retail)'!C7,OR('NanQ ONE Program(Retail)'!U10='Feed(Retail)'!B7:B10)),NA(),\"\")","v":""},"C Grade /  >70% LTV",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," "]
["PPP >80% LTV",{"$f":"IF(AND(OR('NanQ ONE Program(Retail)'!U10='Feed(Retail)'!B9:B10),OR('NanQ ONE Program(Retail)'!U19='Feed(Retail)'!L5:L6),OR('NanQ ONE Program(Retail)'!U23='Feed(Retail)'!H2:H6)),NA(),\"\")","v":""},"80.01-90% / NOO / 3YR PP Minimum",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["Inv. & 2nd Home >80% LTV",{"$f":"IF(AND(OR('NanQ ONE Program(Retail)'!U10=B9:B10),OR('NanQ ONE Program(Retail)'!U19=L4:L6),'NanQ ONE Program(Retail)'!U14<>E7),NA(),\"\")","v":""},"Inv and 2nd homes >80% / must select hit under \"Additional Adjustments\"",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",{"$f":"SUM(B43:B51)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["Occupancy",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[{"$f":"IF(AND('NanQ ONE Program(Retail)'!U18='Feed(Retail)'!J3,'NanQ ONE Program(Retail)'!U19='Feed(Retail)'!L3,OR('NanQ ONE Program(Retail)'!U10='Feed(Retail)'!B9:B10),'NanQ ONE Program(Retail)'!U12='Feed(Retail)'!C4),TRUE(),FALSE)","v":false},"80.01 - 90%/ A+/ Purch",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," "]
[{"$f":"IF(AND('NanQ ONE Program(Retail)'!U10='Feed(Retail)'!B9,'NanQ ONE Program(Retail)'!U12='Feed(Retail)'!C5,OR('NanQ ONE Program(Retail)'!U11='Feed(Retail)'!A3:A4),'NanQ ONE Program(Retail)'!U18='Feed(Retail)'!J3,'NanQ ONE Program(Retail)'!U19='Feed(Retail)'!L3),TRUE,FALSE)","v":false},"80.01-85% / \"A\" Grade / 720 FICO / Purch / Primary",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[{"$f":"OR('NanQ ONE Program(Retail)'!U10='Feed(Retail)'!B3:B8)","v":false},"<80% LTV's",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," "]
[{"$f":"IF(AND('NanQ ONE Program(Retail)'!U10='Feed(Retail)'!B9,'NanQ ONE Program(Retail)'!U13='Feed(Retail)'!D5,'NanQ ONE Program(Retail)'!U12='Feed(Retail)'!C9,OR('NanQ ONE Program(Retail)'!U11=A3:A4),'NanQ ONE Program(Retail)'!U18='Feed(Retail)'!J3),TRUE,FALSE)","v":false},"80.01-85% / 720+/ DSCR / >=1.00 Grade / Purch",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
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[]
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[null,"Base Rate / Base Price",null,null,null,null,null,null,"Base Rate / Base Price"]
[null,"Coupon","Full Doc","Alt Doc","DSCR",null,"Total LLPA",null,"Coupon","Full Doc","Alt Doc","DSCR",null,0]
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[null,{"$f":"'NanQ ONE Program(Retail)'!B12","v":6.875},{"$f":"'NanQ ONE Program(Retail)'!C12","v":98.75},{"$f":"'NanQ ONE Program(Retail)'!D12","v":98.75},{"$f":"'NanQ ONE Program(Retail)'!E12","v":"N/A"},null,".",2,{"$f":"B83","v":6.875},{"$f":"C83+$G$82","v":{"$error":"#N/A"}},{"$error":"#N/A"},{"$error":"#VALUE!"},null,6.875]
[null,{"$f":"'NanQ ONE Program(Retail)'!B13","v":6.9989999999999997},{"$f":"'NanQ ONE Program(Retail)'!C13","v":99},{"$f":"'NanQ ONE Program(Retail)'!D13","v":99},{"$f":"'NanQ ONE Program(Retail)'!E13","v":"N/A"},null,"Total Price",3,6.9989999999999997,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#VALUE!"},null,6.9989999999999997]
[null,{"$f":"'NanQ ONE Program(Retail)'!B14","v":7.125},{"$f":"'NanQ ONE Program(Retail)'!C14","v":99.25},{"$f":"'NanQ ONE Program(Retail)'!D14","v":99.25},{"$f":"'NanQ ONE Program(Retail)'!E14","v":98.5},null,{"$f":"'NanQ ONE Program(Retail)'!V32","v":"Final Price"},4,7.125,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,7.125]
[null,{"$f":"'NanQ ONE Program(Retail)'!B15","v":7.25},{"$f":"'NanQ ONE Program(Retail)'!C15","v":99.5},{"$f":"'NanQ ONE Program(Retail)'!D15","v":99.5},{"$f":"'NanQ ONE Program(Retail)'!E15","v":98.75},null,null,5,7.25,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,7.25]
[null,{"$f":"'NanQ ONE Program(Retail)'!B16","v":7.375},{"$f":"'NanQ ONE Program(Retail)'!C16","v":99.75},{"$f":"'NanQ ONE Program(Retail)'!D16","v":99.75},{"$f":"'NanQ ONE Program(Retail)'!E16","v":99},null,null,6,7.375,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,7.375]
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[null,{"$f":"'NanQ ONE Program(Retail)'!B19","v":7.75},{"$f":"'NanQ ONE Program(Retail)'!C19","v":100.5},{"$f":"'NanQ ONE Program(Retail)'!D19","v":100.5},{"$f":"'NanQ ONE Program(Retail)'!E19","v":99.75},null,null,9,7.75,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,7.75]
[null,{"$f":"'NanQ ONE Program(Retail)'!B20","v":7.875},{"$f":"'NanQ ONE Program(Retail)'!C20","v":100.75},{"$f":"'NanQ ONE Program(Retail)'!D20","v":100.75},{"$f":"'NanQ ONE Program(Retail)'!E20","v":100},null,null,10,7.875,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,7.875]
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[null,{"$f":"'NanQ ONE Program(Retail)'!B22","v":8.125},{"$f":"'NanQ ONE Program(Retail)'!C22","v":101.75},{"$f":"'NanQ ONE Program(Retail)'!D22","v":101.75},{"$f":"'NanQ ONE Program(Retail)'!E22","v":101},null,null,12,8.125,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,8.125]
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[null,{"$f":"'NanQ ONE Program(Retail)'!B28","v":8.875},{"$f":"'NanQ ONE Program(Retail)'!C28","v":103.25},{"$f":"'NanQ ONE Program(Retail)'!D28","v":103.25},{"$f":"'NanQ ONE Program(Retail)'!E28","v":102.5},null,null,18,8.875,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,8.875]
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[null,{"$f":"'NanQ ONE Program(Retail)'!B32","v":9.375},{"$f":"'NanQ ONE Program(Retail)'!C32","v":104.5},{"$f":"'NanQ ONE Program(Retail)'!D32","v":104.5},{"$f":"'NanQ ONE Program(Retail)'!E32","v":103.75},null,null,22,9.375,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,9.375]
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[null,{"$f":"'NanQ ONE Program(Retail)'!B39","v":10.25},{"$f":"'NanQ ONE Program(Retail)'!C39","v":106.25},{"$f":"'NanQ ONE Program(Retail)'!D39","v":106.25},{"$f":"'NanQ ONE Program(Retail)'!E39","v":105.5},null,null,29,10.25,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,10.25]
[null,{"$f":"'NanQ ONE Program(Retail)'!B40","v":10.375},{"$f":"'NanQ ONE Program(Retail)'!C40","v":106.5},{"$f":"'NanQ ONE Program(Retail)'!D40","v":106.5},{"$f":"'NanQ ONE Program(Retail)'!E40","v":105.75},null,null,30,10.375,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,10.375]
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[]
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[null,"Near Par Rate - BPC",null,{"$f":"M126","v":0},{"$f":"IF(M128>D32,D32,M128)","v":0}]
[null,"Near Par Rate - BPC",null,null,{"$f":"IF(E177>'NanQ ONE Program(Retail)'!V31,'NanQ ONE Program(Retail)'!V31,E177)","v":0}]
[]
[null,"Near Par Rate - LPC",null,{"$f":"M174","v":0},{"$f":"M176","v":0}]
[null,"Near Par Rate - LPC",null,null,{"$f":"IF(E180>V31,E180)","v":false}]

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[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"]
[]
[]
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[]
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[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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