Arranging a loan that's right for you at the lowest rate and best discounts is our business!  On the table below, click the program "Key" code for the loan program of interest to learn more about the loan program highlights and fees.  Arranging the right loan for you is what matters most to us!

Quick Links: 10-Year GSE Fixed Term $7... 3-Year Fixed/ARM $500,000... 3-Year Fixed/ARM $1,000,0... Semi-Annual ARM $500,000 ... 5-Year Fixed/ARM $500,000... 5-Year Fixed/ARM $1,000,0... Semi-Annual ARM $1,000,00... 7-YEAR FIXED / 12MAT ARM-... 7-YEAR FIXED / 12MAT ARM-... No Tax Returns - No Appra... 10-YEAR FIXED TERM - $1,0... 15 Year Fixed - Bank Port... New 5-YEAR FIXED / ARM - ... 7-Year GSE Fixed Term $75... 5-Year GSE Fixed Term $75... PM-10 Soft Money Low Leve... 10-YEAR FIXED/LIBOR ARM -... 10-YEAR FIXED/LIBOR ARM $...

Loan Amount	$400,000 to $499,999 $100,000 to $3,000,000 $100,000 to $399,999 $250,000 to $1,500,000 $250,000 to $10,000,000 $400,000 to $999,999 $1,000,000 to $7,000,000 $750,000 $850,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 100,000 to 1,000,000 $250,000 to $499,999 $500,000 to $999,999 $750,000 to $2,999,999 $500,000 to $1,000,000 $500,000 to $5,000,000 $500,000 to $10,000,000 $1,000,000 to $2,999,999 $1,000,000 to $7,000,000 $500,000 to $7,500,000 $500,000 to $15,000,000 $500,000 to $20,000,000 $1,000,000 to $4,000,000 $1,000,000 to $5,000,000 $3,000,000 to $5,000,000 $1,000,000 to $7,000,000 $1,000,000 to $10,000,000 $1,000,000 to $15,000,000 $5,000,000 to $10,000,000 $10,000,000 to $50,000,000 Over $50,000,000 $400,000 to $3,000,000
Min. DCR	0.50:1 0.75:1 0.80:1 0.90:1 1.00:1 1.05:1 1.10:1 1.15:1 1.20:1 1.25:1 1.35:1 1.55:1	Close

New 5-YEAR FIXED / ARM - $400,000 TO $499,999
Program	Key	Start Rate	Margin	Units	Index	Ceiling	Max LTV	Amort / Term	Min DCR	Pre-Pay	Loan Fee
MCG-S5A	MCG-S512	3.875	2.675	5 & Up	Libor	8.625	75/75	30/30	1.15:1	2,2,2,1,1	Call
Guidelines Loan Amounts from $300,000 to $5,000,000 General Lending Areas - Los Angeles, Orange, San Diego, San Francisco Counties Max. Loan to Value Apartments 70%: Commercial 65% LTV Minimum DSCR 1.25:1 Recourse Only Recourse/Guarantees are required
MCG-S5A	MCG-S513	4.000	2.675	5 & Up	Libor	9.000	75/75	30/30	1.25:1	2,2,2,1,1	Call
Guidelines Loan Amounts from $300,000 to $5,000,000 General Lending Areas - Los Angeles, Orange, San Diego, San Francisco Counties Max. Loan to Value Apartments 70%: Commercial 65% LTV Minimum DSCR 1.25:1 Recourse Only Recourse/Guarantees are required
MCG-S5A	MCG-S514	4.125	2.675	5 & Up	Libor	9.125	75/75	30/30	1.25:1	2,2,2,1,1	Call
Guidelines Loan Amounts from $300,000 to $5,000,000 General Lending Areas - Los Angeles, Orange, San Diego, San Francisco Counties Max. Loan to Value Apartments 70%: Commercial 65% LTV Minimum DSCR 1.25:1 Recourse Only Recourse/Guarantees are required
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Semi-Annual ARM $500,000 to $999,999
Program	Key	Start Rate	Margin	Units	Index	Ceiling	Max LTV	Amort / Term	Min DCR	Pre-Pay	Loan Fee
A-400	A-5427	3.200	2.675	5 & Up	12 MAT	9.500	75/75	30/30	1.15:1	1.25, 1.25, 1.25	310.265.4492
Guidelines Points and fees stated on this website are for CA DRE licensed Mortgage Brokers and Salesperson only and not for the general public. Loan programs available fro approved Counties in California only. Max. LTV 75% purchase & rate and term refinances; 75% maximum loan-to-value cash out refinance. Rate Locks: Rates are locked for 15 days at time of approval. Forward Rate Locks for 90 days available for a 1.00% fee based on loan request. Refundable at closing only based on loan amount financed. Fixed/ARM floor: Initial Rate plus applicable adds. ARM Only: Floor = initial Rate; qualify at 70 basis points above initial rate at a minimum 1.20:1 debt service coverage ratio. ARM Programs only: First and subsequent adjustments; Quarterly ARM, 0.50% max each change; semi-annual, 1.00% max each change. 3-Year & 5-Year Fixed Hybrid Qualify at Start Rate or 4.00% whichever is greater to a minimum 1.15:1 DSCR. 3-year & 5-year fixed/ARM Programs Adjustments: First adjustment 2% max. Subsequent adjustments 0.50% max each 3 months. Interest only available for initial fixed period for 3-year fixed/ARM and 5-year fixed/ARM programs only, add .125 basis points to initial rate. Processing fee .05% of the loan amount or $1,095 whichever is greater Add $250 per application in excess of two applicants. Admin/MCG Application Fee $1,495 for loan amounts less than $1MM and $995 over $1MM. Interest rates and spreads adjustments as well as reduced loan-to-values are required for certain property types. Mixed-use properties - add to start rate, margin, life cap & qualifying rate for commercial components (based on greater of square footage or income): + 10 BP up to 25% commercial component, +25 BP 26% to 50% commercial component, over 50% not allowed. Maximum LTV may be lower for mixed-use properties. Rates may be increased based on property type. Primary lending areas include the counties of Los Angeles, Santa Barbara, Ventura, Orange, San Diego, Sonoma, Napa, Solano, Marin, San Francisco, Contra Costa, Alameda, San Mateo, Santa Clara, call about other counties Seismic - May be required for soft-story or tuck-under parking. Please call a representative. Recourse required. Non-recourse may be available add 15bps to rate, margin and life cap. Prepayment Fees: See loan program pricing. Other guidelines and pricing adds may apply please call for details and Lender fees. 4506 Required on all loan programs Rates, fees and terms are subject to change without notice.
A-400	A-5428	3.125	2.800	5 & Up	12 MAT	9.500	75/75	30/30	1.15:1	1.50, 1.50, 1.50	310.265.4492
Guidelines Points and fees stated on this website are for CA DRE licensed Mortgage Brokers and Salesperson only and not for the general public. Loan programs available fro approved Counties in California only. Max. LTV 75% purchase & rate and term refinances; 75% maximum loan-to-value cash out refinance. Rate Locks: Rates are locked for 15 days at time of approval. Forward Rate Locks for 90 days available for a 1.00% fee based on loan request. Refundable at closing only based on loan amount financed. Fixed/ARM floor: Initial Rate plus applicable adds. ARM Only: Floor = initial Rate; qualify at 70 basis points above initial rate at a minimum 1.20:1 debt service coverage ratio. ARM Programs only: First and subsequent adjustments; Quarterly ARM, 0.50% max each change; semi-annual, 1.00% max each change. 3-Year & 5-Year Fixed Hybrid Qualify at Start Rate or 4.00% whichever is greater to a minimum 1.15:1 DSCR. 3-year & 5-year fixed/ARM Programs Adjustments: First adjustment 2% max. Subsequent adjustments 0.50% max each 3 months. Interest only available for initial fixed period for 3-year fixed/ARM and 5-year fixed/ARM programs only, add .125 basis points to initial rate. Processing fee .05% of the loan amount or $1,095 whichever is greater Add $250 per application in excess of two applicants. Admin/MCG Application Fee $1,495 for loan amounts less than $1MM and $995 over $1MM. Interest rates and spreads adjustments as well as reduced loan-to-values are required for certain property types. Mixed-use properties - add to start rate, margin, life cap & qualifying rate for commercial components (based on greater of square footage or income): + 10 BP up to 25% commercial component, +25 BP 26% to 50% commercial component, over 50% not allowed. Maximum LTV may be lower for mixed-use properties. Rates may be increased based on property type. Primary lending areas include the counties of Los Angeles, Santa Barbara, Ventura, Orange, San Diego, Sonoma, Napa, Solano, Marin, San Francisco, Contra Costa, Alameda, San Mateo, Santa Clara, call about other counties Seismic - May be required for soft-story or tuck-under parking. Please call a representative. Recourse required. Non-recourse may be available add 15bps to rate, margin and life cap. Prepayment Fees: See loan program pricing. Other guidelines and pricing adds may apply please call for details and Lender fees. 4506 Required on all loan programs Rates, fees and terms are subject to change without notice.
A-400	A-5429	3.250	2.925	5 & Up	12 MAT	9.500	75/75	30/30	1.15:1	1.75, 1.75, 1.75	310.265.4492
Guidelines Points and fees stated on this website are for CA DRE licensed Mortgage Brokers and Salesperson only and not for the general public. Loan programs available fro approved Counties in California only. Max. LTV 75% purchase & rate and term refinances; 75% maximum loan-to-value cash out refinance. Rate Locks: Rates are locked for 15 days at time of approval. Forward Rate Locks for 90 days available for a 1.00% fee based on loan request. Refundable at closing only based on loan amount financed. Fixed/ARM floor: Initial Rate plus applicable adds. ARM Only: Floor = initial Rate; qualify at 70 basis points above initial rate at a minimum 1.20:1 debt service coverage ratio. ARM Programs only: First and subsequent adjustments; Quarterly ARM, 0.50% max each change; semi-annual, 1.00% max each change. 3-Year & 5-Year Fixed Hybrid Qualify at Start Rate or 4.00% whichever is greater to a minimum 1.15:1 DSCR. 3-year & 5-year fixed/ARM Programs Adjustments: First adjustment 2% max. Subsequent adjustments 0.50% max each 3 months. Interest only available for initial fixed period for 3-year fixed/ARM and 5-year fixed/ARM programs only, add .125 basis points to initial rate. Processing fee .05% of the loan amount or $1,095 whichever is greater Add $250 per application in excess of two applicants. Admin/MCG Application Fee $1,495 for loan amounts less than $1MM and $995 over $1MM. Interest rates and spreads adjustments as well as reduced loan-to-values are required for certain property types. Mixed-use properties - add to start rate, margin, life cap & qualifying rate for commercial components (based on greater of square footage or income): + 10 BP up to 25% commercial component, +25 BP 26% to 50% commercial component, over 50% not allowed. Maximum LTV may be lower for mixed-use properties. Rates may be increased based on property type. Primary lending areas include the counties of Los Angeles, Santa Barbara, Ventura, Orange, San Diego, Sonoma, Napa, Solano, Marin, San Francisco, Contra Costa, Alameda, San Mateo, Santa Clara, call about other counties Seismic - May be required for soft-story or tuck-under parking. Please call a representative. Recourse required. Non-recourse may be available add 15bps to rate, margin and life cap. Prepayment Fees: See loan program pricing. Other guidelines and pricing adds may apply please call for details and Lender fees. 4506 Required on all loan programs Rates, fees and terms are subject to change without notice.
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Semi-Annual ARM $1,000,000 to $7,000,000
Program	Key	Start Rate	Margin	Units	Index	Ceiling	Max LTV	Amort / Term	Min DCR	Pre-Pay	Loan Fee
A-750	A-5432	2.750	2.550	5 & Up	12 MAT	9.500	75/75	30/30	1.15:1	1.25. 1.25, 1.25	310.265.4492
Guidelines Points and fees stated on this website are for CA DRE licensed Mortgage Brokers and Salesperson only and not for the general public. Loan programs available fro approved Counties in California only. Max. LTV 75% purchase & rate and term refinances; 75% maximum loan-to-value cash out refinance. Rate Locks: Rates are locked for 15 days at time of approval. Forward Rate Locks for 90 days available for a 1.00% fee based on loan request. Refundable at closing only based on loan amount financed. Fixed/ARM floor: Initial Rate plus applicable adds. ARM Only: Floor = initial Rate; qualify at 70 basis points above initial rate at a minimum 1.20:1 debt service coverage ratio. ARM Programs only: First and subsequent adjustments; Quarterly ARM, 0.50% max each change; semi-annual, 1.00% max each change. 3-Year & 5-Year Fixed Hybrid Qualify at Start Rate or 4.00% whichever is greater to a minimum 1.15:1 DSCR. 3-year & 5-year fixed/ARM Programs Adjustments: First adjustment 2% max. Subsequent adjustments 0.50% max each 3 months. Interest only available for initial fixed period for 3-year fixed/ARM and 5-year fixed/ARM programs only, add .125 basis points to initial rate. Processing fee .05% of the loan amount or $1,095 whichever is greater Add $250 per application in excess of two applicants. Admin/MCG Application Fee $1,495 for loan amounts less than $1MM and $995 over $1MM. Interest rates and spreads adjustments as well as reduced loan-to-values are required for certain property types. Mixed-use properties - add to start rate, margin, life cap & qualifying rate for commercial components (based on greater of square footage or income): + 10 BP up to 25% commercial component, +25 BP 26% to 50% commercial component, over 50% not allowed. Maximum LTV may be lower for mixed-use properties. Rates may be increased based on property type. Primary lending areas include the counties of Los Angeles, Santa Barbara, Ventura, Orange, San Diego, Sonoma, Napa, Solano, Marin, San Francisco, Contra Costa, Alameda, San Mateo, Santa Clara, call about other counties Seismic - May be required for soft-story or tuck-under parking. Please call a representative. Recourse required. Non-recourse may be available add 15bps to rate, margin and life cap. Prepayment Fees: See loan program pricing. Other guidelines and pricing adds may apply please call for details and Lender fees. 4506 Required on all loan programs Rates, fees and terms are subject to change without notice.
A-750	A-5433	2.875	2.675	5 & Up	12 MAT	9.500	75/75	30/30	1.15:1	1.50, 1.50, 1.50	310.265.4492
Guidelines Points and fees stated on this website are for CA DRE licensed Mortgage Brokers and Salesperson only and not for the general public. Loan programs available fro approved Counties in California only. Max. LTV 75% purchase & rate and term refinances; 75% maximum loan-to-value cash out refinance. Rate Locks: Rates are locked for 15 days at time of approval. Forward Rate Locks for 90 days available for a 1.00% fee based on loan request. Refundable at closing only based on loan amount financed. Fixed/ARM floor: Initial Rate plus applicable adds. ARM Only: Floor = initial Rate; qualify at 70 basis points above initial rate at a minimum 1.20:1 debt service coverage ratio. ARM Programs only: First and subsequent adjustments; Quarterly ARM, 0.50% max each change; semi-annual, 1.00% max each change. 3-Year & 5-Year Fixed Hybrid Qualify at Start Rate or 4.00% whichever is greater to a minimum 1.15:1 DSCR. 3-year & 5-year fixed/ARM Programs Adjustments: First adjustment 2% max. Subsequent adjustments 0.50% max each 3 months. Interest only available for initial fixed period for 3-year fixed/ARM and 5-year fixed/ARM programs only, add .125 basis points to initial rate. Processing fee .05% of the loan amount or $1,095 whichever is greater Add $250 per application in excess of two applicants. Admin/MCG Application Fee $1,495 for loan amounts less than $1MM and $995 over $1MM. Interest rates and spreads adjustments as well as reduced loan-to-values are required for certain property types. Mixed-use properties - add to start rate, margin, life cap & qualifying rate for commercial components (based on greater of square footage or income): + 10 BP up to 25% commercial component, +25 BP 26% to 50% commercial component, over 50% not allowed. Maximum LTV may be lower for mixed-use properties. Rates may be increased based on property type. Primary lending areas include the counties of Los Angeles, Santa Barbara, Ventura, Orange, San Diego, Sonoma, Napa, Solano, Marin, San Francisco, Contra Costa, Alameda, San Mateo, Santa Clara, call about other counties Seismic - May be required for soft-story or tuck-under parking. Please call a representative. Recourse required. Non-recourse may be available add 15bps to rate, margin and life cap. Prepayment Fees: See loan program pricing. Other guidelines and pricing adds may apply please call for details and Lender fees. 4506 Required on all loan programs Rates, fees and terms are subject to change without notice.
A-750	A-5434	2.900	2.800	5 & Up	12 MAT	9.500	75/75	30/30	1.15:1	1.75, 1.75, 1.75	310.265.4492
Guidelines Points and fees stated on this website are for CA DRE licensed Mortgage Brokers and Salesperson only and not for the general public. Loan programs available fro approved Counties in California only. Max. LTV 75% purchase & rate and term refinances; 75% maximum loan-to-value cash out refinance. Rate Locks: Rates are locked for 15 days at time of approval. Forward Rate Locks for 90 days available for a 1.00% fee based on loan request. Refundable at closing only based on loan amount financed. Fixed/ARM floor: Initial Rate plus applicable adds. ARM Only: Floor = initial Rate; qualify at 70 basis points above initial rate at a minimum 1.20:1 debt service coverage ratio. ARM Programs only: First and subsequent adjustments; Quarterly ARM, 0.50% max each change; semi-annual, 1.00% max each change. 3-Year & 5-Year Fixed Hybrid Qualify at Start Rate or 4.00% whichever is greater to a minimum 1.15:1 DSCR. 3-year & 5-year fixed/ARM Programs Adjustments: First adjustment 2% max. Subsequent adjustments 0.50% max each 3 months. Interest only available for initial fixed period for 3-year fixed/ARM and 5-year fixed/ARM programs only, add .125 basis points to initial rate. Processing fee .05% of the loan amount or $1,095 whichever is greater Add $250 per application in excess of two applicants. Admin/MCG Application Fee $1,495 for loan amounts less than $1MM and $995 over $1MM. Interest rates and spreads adjustments as well as reduced loan-to-values are required for certain property types. Mixed-use properties - add to start rate, margin, life cap & qualifying rate for commercial components (based on greater of square footage or income): + 10 BP up to 25% commercial component, +25 BP 26% to 50% commercial component, over 50% not allowed. Maximum LTV may be lower for mixed-use properties. Rates may be increased based on property type. Primary lending areas include the counties of Los Angeles, Santa Barbara, Ventura, Orange, San Diego, Sonoma, Napa, Solano, Marin, San Francisco, Contra Costa, Alameda, San Mateo, Santa Clara, call about other counties Seismic - May be required for soft-story or tuck-under parking. Please call a representative. Recourse required. Non-recourse may be available add 15bps to rate, margin and life cap. Prepayment Fees: See loan program pricing. Other guidelines and pricing adds may apply please call for details and Lender fees. 4506 Required on all loan programs Rates, fees and terms are subject to change without notice.
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3-Year Fixed/ARM $500,000 to $999,990
Program	Key	Start Rate	Margin	Units	Index	Ceiling	Max LTV	Amort / Term	Min DCR	Pre-Pay	Loan Fee
A-34	A-5404	3.250	2.675	5 & Up	12 MAT	9.500	75/75	30/30	1.15:1	1.25, 1.25, 1.25	310.265.4492
Guidelines Points and fees stated on this website are for CA DRE licensed Mortgage Brokers and Salesperson only and not for the general public. Loan programs available fro approved Counties in California only. Max. LTV 75% purchase & rate and term refinances; 75% maximum loan-to-value cash out refinance. Rate Locks: Rates are locked for 15 days at time of approval. Forward Rate Locks for 90 days available for a 1.00% fee based on loan request. Refundable at closing only based on loan amount financed. Fixed/ARM floor: Initial Rate plus applicable adds. ARM Only: Floor = initial Rate; qualify at 70 basis points above initial rate at a minimum 1.20:1 debt service coverage ratio. ARM Programs only: First and subsequent adjustments; Quarterly ARM, 0.50% max each change; semi-annual, 1.00% max each change. 3-Year & 5-Year Fixed Hybrid Qualify at Start Rate or 4.00% whichever is greater to a minimum 1.15:1 DSCR. 3-year & 5-year fixed/ARM Programs Adjustments: First adjustment 2% max. Subsequent adjustments 0.50% max each 3 months. Interest only available for initial fixed period for 3-year fixed/ARM and 5-year fixed/ARM programs only, add .125 basis points to initial rate. Processing fee .05% of the loan amount or $1,095 whichever is greater Add $250 per application in excess of two applicants. Admin/MCG Application Fee $1,495 for loan amounts less than $1MM and $995 over $1MM. Interest rates and spreads adjustments as well as reduced loan-to-values are required for certain property types. Mixed-use properties - add to start rate, margin, life cap & qualifying rate for commercial components (based on greater of square footage or income): + 10 BP up to 25% commercial component, +25 BP 26% to 50% commercial component, over 50% not allowed. Maximum LTV may be lower for mixed-use properties. Rates may be increased based on property type. Primary lending areas include the counties of Los Angeles, Santa Barbara, Ventura, Orange, San Diego, Sonoma, Napa, Solano, Marin, San Francisco, Contra Costa, Alameda, San Mateo, Santa Clara, call about other counties Seismic - May be required for soft-story or tuck-under parking. Please call a representative. Recourse required. Non-recourse may be available add 15bps to rate, margin and life cap. Prepayment Fees: See loan program pricing. Other guidelines and pricing adds may apply please call for details and Lender fees. 4506 Required on all loan programs Rates, fees and terms are subject to change without notice.
A-34	A-5405	3.375	2.675	5 & Up	12 MAT	9.500	75/75	30/30	1.15:1	1.50, 1.50, 1.50	310.265.4492
Guidelines Points and fees stated on this website are for CA DRE licensed Mortgage Brokers and Salesperson only and not for the general public. Loan programs available fro approved Counties in California only. Max. LTV 75% purchase & rate and term refinances; 75% maximum loan-to-value cash out refinance. Rate Locks: Rates are locked for 15 days at time of approval. Forward Rate Locks for 90 days available for a 1.00% fee based on loan request. Refundable at closing only based on loan amount financed. Fixed/ARM floor: Initial Rate plus applicable adds. ARM Only: Floor = initial Rate; qualify at 70 basis points above initial rate at a minimum 1.20:1 debt service coverage ratio. ARM Programs only: First and subsequent adjustments; Quarterly ARM, 0.50% max each change; semi-annual, 1.00% max each change. 3-Year & 5-Year Fixed Hybrid Qualify at Start Rate or 4.00% whichever is greater to a minimum 1.15:1 DSCR. 3-year & 5-year fixed/ARM Programs Adjustments: First adjustment 2% max. Subsequent adjustments 0.50% max each 3 months. Interest only available for initial fixed period for 3-year fixed/ARM and 5-year fixed/ARM programs only, add .125 basis points to initial rate. Processing fee .05% of the loan amount or $1,095 whichever is greater Add $250 per application in excess of two applicants. Admin/MCG Application Fee $1,495 for loan amounts less than $1MM and $995 over $1MM. Interest rates and spreads adjustments as well as reduced loan-to-values are required for certain property types. Mixed-use properties - add to start rate, margin, life cap & qualifying rate for commercial components (based on greater of square footage or income): + 10 BP up to 25% commercial component, +25 BP 26% to 50% commercial component, over 50% not allowed. Maximum LTV may be lower for mixed-use properties. Rates may be increased based on property type. Primary lending areas include the counties of Los Angeles, Santa Barbara, Ventura, Orange, San Diego, Sonoma, Napa, Solano, Marin, San Francisco, Contra Costa, Alameda, San Mateo, Santa Clara, call about other counties Seismic - May be required for soft-story or tuck-under parking. Please call a representative. Recourse required. Non-recourse may be available add 15bps to rate, margin and life cap. Prepayment Fees: See loan program pricing. Other guidelines and pricing adds may apply please call for details and Lender fees. 4506 Required on all loan programs Rates, fees and terms are subject to change without notice.
A-34	A-5406	3.500	2.675	5 & Up	12 MAT	Start Rate + 5%	75/75	30/3/27	1.15:1	1.50, 1.50, 1.50	Call
Guidelines Points and fees stated on this website are for CA DRE licensed Mortgage Brokers and Salesperson only and not for the general public. Loan programs available fro approved Counties in California only. Max. LTV 75% purchase & rate and term refinances; 75% maximum loan-to-value cash out refinance. Rate Locks: Rates are locked for 15 days at time of approval. Forward Rate Locks for 90 days available for a 1.00% fee based on loan request. Refundable at closing only based on loan amount financed. Fixed/ARM floor: Initial Rate plus applicable adds. ARM Only: Floor = initial Rate; qualify at 70 basis points above initial rate at a minimum 1.20:1 debt service coverage ratio. ARM Programs only: First and subsequent adjustments; Quarterly ARM, 0.50% max each change; semi-annual, 1.00% max each change. 3-Year & 5-Year Fixed Hybrid Qualify at Start Rate or 4.00% whichever is greater to a minimum 1.15:1 DSCR. 3-year & 5-year fixed/ARM Programs Adjustments: First adjustment 2% max. Subsequent adjustments 0.50% max each 3 months. Interest only available for initial fixed period for 3-year fixed/ARM and 5-year fixed/ARM programs only, add .125 basis points to initial rate. Processing fee .05% of the loan amount or $1,095 whichever is greater Add $250 per application in excess of two applicants. Admin/MCG Application Fee $1,495 for loan amounts less than $1MM and $995 over $1MM. Interest rates and spreads adjustments as well as reduced loan-to-values are required for certain property types. Mixed-use properties - add to start rate, margin, life cap & qualifying rate for commercial components (based on greater of square footage or income): + 10 BP up to 25% commercial component, +25 BP 26% to 50% commercial component, over 50% not allowed. Maximum LTV may be lower for mixed-use properties. Rates may be increased based on property type. Primary lending areas include the counties of Los Angeles, Santa Barbara, Ventura, Orange, San Diego, Sonoma, Napa, Solano, Marin, San Francisco, Contra Costa, Alameda, San Mateo, Santa Clara, call about other counties Seismic - May be required for soft-story or tuck-under parking. Please call a representative. Recourse required. Non-recourse may be available add 15bps to rate, margin and life cap. Prepayment Fees: See loan program pricing. Other guidelines and pricing adds may apply please call for details and Lender fees. 4506 Required on all loan programs Rates, fees and terms are subject to change without notice.
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3-Year Fixed/ARM $1,000,000 to $7,000,000
Program	Key	Start Rate	Margin	Units	Index	Ceiling	Max LTV	Amort / Term	Min DCR	Pre-Pay	Loan Fee
A-37	A-5409	2.650	2.550	5 & Up	12 MAT	Start Rate + 5%	75/75	30/3/27	1.15:1	1.25, 1.25, 1.25	310.265.4492
Guidelines Points and fees stated on this website are for CA DRE licensed Mortgage Brokers and Salesperson only and not for the general public. Loan programs available fro approved Counties in California only. Max. LTV 75% purchase & rate and term refinances; 75% maximum loan-to-value cash out refinance. Rate Locks: Rates are locked for 15 days at time of approval. Forward Rate Locks for 90 days available for a 1.00% fee based on loan request. Refundable at closing only based on loan amount financed. Fixed/ARM floor: Initial Rate plus applicable adds. ARM Only: Floor = initial Rate; qualify at 70 basis points above initial rate at a minimum 1.20:1 debt service coverage ratio. ARM Programs only: First and subsequent adjustments; Quarterly ARM, 0.50% max each change; semi-annual, 1.00% max each change. 3-Year & 5-Year Fixed Hybrid Qualify at Start Rate or 4.00% whichever is greater to a minimum 1.15:1 DSCR. 3-year & 5-year fixed/ARM Programs Adjustments: First adjustment 2% max. Subsequent adjustments 0.50% max each 3 months. Interest only available for initial fixed period for 3-year fixed/ARM and 5-year fixed/ARM programs only, add .125 basis points to initial rate. Processing fee .05% of the loan amount or $1,095 whichever is greater Add $250 per application in excess of two applicants. Admin/MCG Application Fee $1,495 for loan amounts less than $1MM and $995 over $1MM. Interest rates and spreads adjustments as well as reduced loan-to-values are required for certain property types. Mixed-use properties - add to start rate, margin, life cap & qualifying rate for commercial components (based on greater of square footage or income): + 10 BP up to 25% commercial component, +25 BP 26% to 50% commercial component, over 50% not allowed. Maximum LTV may be lower for mixed-use properties. Rates may be increased based on property type. Primary lending areas include the counties of Los Angeles, Santa Barbara, Ventura, Orange, San Diego, Sonoma, Napa, Solano, Marin, San Francisco, Contra Costa, Alameda, San Mateo, Santa Clara, call about other counties Seismic - May be required for soft-story or tuck-under parking. Please call a representative. Recourse required. Non-recourse may be available add 15bps to rate, margin and life cap. Prepayment Fees: See loan program pricing. Other guidelines and pricing adds may apply please call for details and Lender fees. 4506 Required on all loan programs Rates, fees and terms are subject to change without notice.
A-37	A-5410	2.775	2.550	5 & Up	12 MAT	Start Rate + 5%	75/75	30/3/27	1.15:1	1.50, 1.50, 1.50	Call
Guidelines Points and fees stated on this website are for CA DRE licensed Mortgage Brokers and Salesperson only and not for the general public. Loan programs available fro approved Counties in California only. Max. LTV 75% purchase & rate and term refinances; 75% maximum loan-to-value cash out refinance. Rate Locks: Rates are locked for 15 days at time of approval. Forward Rate Locks for 90 days available for a 1.00% fee based on loan request. Refundable at closing only based on loan amount financed. Fixed/ARM floor: Initial Rate plus applicable adds. ARM Only: Floor = initial Rate; qualify at 70 basis points above initial rate at a minimum 1.20:1 debt service coverage ratio. ARM Programs only: First and subsequent adjustments; Quarterly ARM, 0.50% max each change; semi-annual, 1.00% max each change. 3-Year & 5-Year Fixed Hybrid Qualify at Start Rate or 4.00% whichever is greater to a minimum 1.15:1 DSCR. 3-year & 5-year fixed/ARM Programs Adjustments: First adjustment 2% max. Subsequent adjustments 0.50% max each 3 months. Interest only available for initial fixed period for 3-year fixed/ARM and 5-year fixed/ARM programs only, add .125 basis points to initial rate. Processing fee .05% of the loan amount or $1,095 whichever is greater Add $250 per application in excess of two applicants. Admin/MCG Application Fee $1,495 for loan amounts less than $1MM and $995 over $1MM. Interest rates and spreads adjustments as well as reduced loan-to-values are required for certain property types. Mixed-use properties - add to start rate, margin, life cap & qualifying rate for commercial components (based on greater of square footage or income): + 10 BP up to 25% commercial component, +25 BP 26% to 50% commercial component, over 50% not allowed. Maximum LTV may be lower for mixed-use properties. Rates may be increased based on property type. Primary lending areas include the counties of Los Angeles, Santa Barbara, Ventura, Orange, San Diego, Sonoma, Napa, Solano, Marin, San Francisco, Contra Costa, Alameda, San Mateo, Santa Clara, call about other counties Seismic - May be required for soft-story or tuck-under parking. Please call a representative. Recourse required. Non-recourse may be available add 15bps to rate, margin and life cap. Prepayment Fees: See loan program pricing. Other guidelines and pricing adds may apply please call for details and Lender fees. 4506 Required on all loan programs Rates, fees and terms are subject to change without notice.
A-37	A-5411	3.200	2.550	5 & Up	12 MAT	Start Rate + 5%	75/75	30/3/27	1.15:1	1.50, 1.50, 1.50	Call
Guidelines Points and fees stated on this website are for CA DRE licensed Mortgage Brokers and Salesperson only and not for the general public. Loan programs available fro approved Counties in California only. Max. LTV 75% purchase & rate and term refinances; 75% maximum loan-to-value cash out refinance. Rate Locks: Rates are locked for 15 days at time of approval. Forward Rate Locks for 90 days available for a 1.00% fee based on loan request. Refundable at closing only based on loan amount financed. Fixed/ARM floor: Initial Rate plus applicable adds. ARM Only: Floor = initial Rate; qualify at 70 basis points above initial rate at a minimum 1.20:1 debt service coverage ratio. ARM Programs only: First and subsequent adjustments; Quarterly ARM, 0.50% max each change; semi-annual, 1.00% max each change. 3-Year & 5-Year Fixed Hybrid Qualify at Start Rate or 4.00% whichever is greater to a minimum 1.15:1 DSCR. 3-year & 5-year fixed/ARM Programs Adjustments: First adjustment 2% max. Subsequent adjustments 0.50% max each 3 months. Interest only available for initial fixed period for 3-year fixed/ARM and 5-year fixed/ARM programs only, add .125 basis points to initial rate. Processing fee .05% of the loan amount or $1,095 whichever is greater Add $250 per application in excess of two applicants. Admin/MCG Application Fee $1,495 for loan amounts less than $1MM and $995 over $1MM. Interest rates and spreads adjustments as well as reduced loan-to-values are required for certain property types. Mixed-use properties - add to start rate, margin, life cap & qualifying rate for commercial components (based on greater of square footage or income): + 10 BP up to 25% commercial component, +25 BP 26% to 50% commercial component, over 50% not allowed. Maximum LTV may be lower for mixed-use properties. Rates may be increased based on property type. Primary lending areas include the counties of Los Angeles, Santa Barbara, Ventura, Orange, San Diego, Sonoma, Napa, Solano, Marin, San Francisco, Contra Costa, Alameda, San Mateo, Santa Clara, call about other counties Seismic - May be required for soft-story or tuck-under parking. Please call a representative. Recourse required. Non-recourse may be available add 15bps to rate, margin and life cap. Prepayment Fees: See loan program pricing. Other guidelines and pricing adds may apply please call for details and Lender fees. 4506 Required on all loan programs Rates, fees and terms are subject to change without notice.
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5-Year Fixed/ARM $500,000 to $999,000
Program	Key	Start Rate	Margin	Units	Index	Ceiling	Max LTV	Amort / Term	Min DCR	Pre-Pay	Loan Fee
A-54	A-5417	3.500	2.675	5 & Up	12 MAT	Start Rate + 5%	75/75	30/5/25	1.15:1	1.25.1.25,1.25,1,1	310.265.4492
Guidelines Points and fees stated on this website are for CA DRE licensed Mortgage Brokers and Salesperson only and not for the general public. Loan programs available fro approved Counties in California only. Max. LTV 75% purchase & rate and term refinances; 75% maximum loan-to-value cash out refinance. Rate Locks: Rates are locked for 15 days at time of approval. Forward Rate Locks for 90 days available for a 1.00% fee based on loan request. Refundable at closing only based on loan amount financed. Fixed/ARM floor: Initial Rate plus applicable adds. ARM Only: Floor = initial Rate; qualify at 70 basis points above initial rate at a minimum 1.20:1 debt service coverage ratio. ARM Programs only: First and subsequent adjustments; Quarterly ARM, 0.50% max each change; semi-annual, 1.00% max each change. 3-Year & 5-Year Fixed Hybrid Qualify at Start Rate or 4.00% whichever is greater to a minimum 1.15:1 DSCR. 3-year & 5-year fixed/ARM Programs Adjustments: First adjustment 2% max. Subsequent adjustments 0.50% max each 3 months. Interest only available for initial fixed period for 3-year fixed/ARM and 5-year fixed/ARM programs only, add .125 basis points to initial rate. Processing fee .05% of the loan amount or $1,095 whichever is greater Add $250 per application in excess of two applicants. Admin/MCG Application Fee $1,495 for loan amounts less than $1MM and $995 over $1MM. Interest rates and spreads adjustments as well as reduced loan-to-values are required for certain property types. Mixed-use properties - add to start rate, margin, life cap & qualifying rate for commercial components (based on greater of square footage or income): + 10 BP up to 25% commercial component, +25 BP 26% to 50% commercial component, over 50% not allowed. Maximum LTV may be lower for mixed-use properties. Rates may be increased based on property type. Primary lending areas include the counties of Los Angeles, Santa Barbara, Ventura, Orange, San Diego, Sonoma, Napa, Solano, Marin, San Francisco, Contra Costa, Alameda, San Mateo, Santa Clara, call about other counties Seismic - May be required for soft-story or tuck-under parking. Please call a representative. Recourse required. Non-recourse may be available add 15bps to rate, margin and life cap. Prepayment Fees: See loan program pricing. Other guidelines and pricing adds may apply please call for details and Lender fees. 4506 Required on all loan programs Rates, fees and terms are subject to change without notice.
A-54	A-5418	3.600	2.675	5 & Up	12 MAT	Start Rate + 5%	75/75	30/5/25	1.15:1	1.50,1.50,1.50,1,1	Call
Guidelines Points and fees stated on this website are for CA DRE licensed Mortgage Brokers and Salesperson only and not for the general public. Loan programs available fro approved Counties in California only. Max. LTV 75% purchase & rate and term refinances; 75% maximum loan-to-value cash out refinance. Rate Locks: Rates are locked for 15 days at time of approval. Forward Rate Locks for 90 days available for a 1.00% fee based on loan request. Refundable at closing only based on loan amount financed. Fixed/ARM floor: Initial Rate plus applicable adds. ARM Only: Floor = initial Rate; qualify at 70 basis points above initial rate at a minimum 1.20:1 debt service coverage ratio. ARM Programs only: First and subsequent adjustments; Quarterly ARM, 0.50% max each change; semi-annual, 1.00% max each change. 3-Year & 5-Year Fixed Hybrid Qualify at Start Rate or 4.00% whichever is greater to a minimum 1.15:1 DSCR. 3-year & 5-year fixed/ARM Programs Adjustments: First adjustment 2% max. Subsequent adjustments 0.50% max each 3 months. Interest only available for initial fixed period for 3-year fixed/ARM and 5-year fixed/ARM programs only, add .125 basis points to initial rate. Processing fee .05% of the loan amount or $1,095 whichever is greater Add $250 per application in excess of two applicants. Admin/MCG Application Fee $1,495 for loan amounts less than $1MM and $995 over $1MM. Interest rates and spreads adjustments as well as reduced loan-to-values are required for certain property types. Mixed-use properties - add to start rate, margin, life cap & qualifying rate for commercial components (based on greater of square footage or income): + 10 BP up to 25% commercial component, +25 BP 26% to 50% commercial component, over 50% not allowed. Maximum LTV may be lower for mixed-use properties. Rates may be increased based on property type. Primary lending areas include the counties of Los Angeles, Santa Barbara, Ventura, Orange, San Diego, Sonoma, Napa, Solano, Marin, San Francisco, Contra Costa, Alameda, San Mateo, Santa Clara, call about other counties Seismic - May be required for soft-story or tuck-under parking. Please call a representative. Recourse required. Non-recourse may be available add 15bps to rate, margin and life cap. Prepayment Fees: See loan program pricing. Other guidelines and pricing adds may apply please call for details and Lender fees. 4506 Required on all loan programs Rates, fees and terms are subject to change without notice.
A-54	A-5419	3.700	2.675	5 & Up	12 MAT	Start Rate + 5%	75/75	30/5/25	1.15:1	1.50,1.50,1.50,1,1	Call
Guidelines Points and fees stated on this website are for CA DRE licensed Mortgage Brokers and Salesperson only and not for the general public. Loan programs available fro approved Counties in California only. Max. LTV 75% purchase & rate and term refinances; 75% maximum loan-to-value cash out refinance. Rate Locks: Rates are locked for 15 days at time of approval. Forward Rate Locks for 90 days available for a 1.00% fee based on loan request. Refundable at closing only based on loan amount financed. Fixed/ARM floor: Initial Rate plus applicable adds. ARM Only: Floor = initial Rate; qualify at 70 basis points above initial rate at a minimum 1.20:1 debt service coverage ratio. ARM Programs only: First and subsequent adjustments; Quarterly ARM, 0.50% max each change; semi-annual, 1.00% max each change. 3-Year & 5-Year Fixed Hybrid Qualify at Start Rate or 4.00% whichever is greater to a minimum 1.15:1 DSCR. 3-year & 5-year fixed/ARM Programs Adjustments: First adjustment 2% max. Subsequent adjustments 0.50% max each 3 months. Interest only available for initial fixed period for 3-year fixed/ARM and 5-year fixed/ARM programs only, add .125 basis points to initial rate. Processing fee .05% of the loan amount or $1,095 whichever is greater Add $250 per application in excess of two applicants. Admin/MCG Application Fee $1,495 for loan amounts less than $1MM and $995 over $1MM. Interest rates and spreads adjustments as well as reduced loan-to-values are required for certain property types. Mixed-use properties - add to start rate, margin, life cap & qualifying rate for commercial components (based on greater of square footage or income): + 10 BP up to 25% commercial component, +25 BP 26% to 50% commercial component, over 50% not allowed. Maximum LTV may be lower for mixed-use properties. Rates may be increased based on property type. Primary lending areas include the counties of Los Angeles, Santa Barbara, Ventura, Orange, San Diego, Sonoma, Napa, Solano, Marin, San Francisco, Contra Costa, Alameda, San Mateo, Santa Clara, call about other counties Seismic - May be required for soft-story or tuck-under parking. Please call a representative. Recourse required. Non-recourse may be available add 15bps to rate, margin and life cap. Prepayment Fees: See loan program pricing. Other guidelines and pricing adds may apply please call for details and Lender fees. 4506 Required on all loan programs Rates, fees and terms are subject to change without notice.
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5-Year Fixed/ARM $1,000,000 to $7,000,000
Program	Key	Start Rate	Margin	Units	Index	Ceiling	Max LTV	Amort / Term	Min DCR	Pre-Pay	Loan Fee
A-57	A-5422	3.150	2.550	5 & Up	12 MAT	9.500	75/75	30/5/25	1.15:1	1.25.1.25,1.25,1,1	310.265.4492
Guidelines Points and fees stated on this website are for CA DRE licensed Mortgage Brokers and Salesperson only and not for the general public. Loan programs available fro approved Counties in California only. Max. LTV 75% purchase & rate and term refinances; 75% maximum loan-to-value cash out refinance. Rate Locks: Rates are locked for 15 days at time of approval. Forward Rate Locks for 90 days available for a 1.00% fee based on loan request. Refundable at closing only based on loan amount financed. Fixed/ARM floor: Initial Rate plus applicable adds. ARM Only: Floor = initial Rate; qualify at 70 basis points above initial rate at a minimum 1.20:1 debt service coverage ratio. ARM Programs only: First and subsequent adjustments; Quarterly ARM, 0.50% max each change; semi-annual, 1.00% max each change. 3-Year & 5-Year Fixed Hybrid Qualify at Start Rate or 4.00% whichever is greater to a minimum 1.15:1 DSCR. 3-year & 5-year fixed/ARM Programs Adjustments: First adjustment 2% max. Subsequent adjustments 0.50% max each 3 months. Interest only available for initial fixed period for 3-year fixed/ARM and 5-year fixed/ARM programs only, add .125 basis points to initial rate. Processing fee .05% of the loan amount or $1,095 whichever is greater Add $250 per application in excess of two applicants. Admin/MCG Application Fee $1,495 for loan amounts less than $1MM and $995 over $1MM. Interest rates and spreads adjustments as well as reduced loan-to-values are required for certain property types. Mixed-use properties - add to start rate, margin, life cap & qualifying rate for commercial components (based on greater of square footage or income): + 10 BP up to 25% commercial component, +25 BP 26% to 50% commercial component, over 50% not allowed. Maximum LTV may be lower for mixed-use properties. Rates may be increased based on property type. Primary lending areas include the counties of Los Angeles, Santa Barbara, Ventura, Orange, San Diego, Sonoma, Napa, Solano, Marin, San Francisco, Contra Costa, Alameda, San Mateo, Santa Clara, call about other counties Seismic - May be required for soft-story or tuck-under parking. Please call a representative. Recourse required. Non-recourse may be available add 15bps to rate, margin and life cap. Prepayment Fees: See loan program pricing. Other guidelines and pricing adds may apply please call for details and Lender fees. 4506 Required on all loan programs Rates, fees and terms are subject to change without notice.
A-57	A-5423	3.250	2.550	5 & Up	12 MAT	9.500	75/75	30/5/25	1.15:1	1.50,1.50,1.50,1,1	Call
Guidelines Points and fees stated on this website are for CA DRE licensed Mortgage Brokers and Salesperson only and not for the general public. Loan programs available fro approved Counties in California only. Max. LTV 75% purchase & rate and term refinances; 75% maximum loan-to-value cash out refinance. Rate Locks: Rates are locked for 15 days at time of approval. Forward Rate Locks for 90 days available for a 1.00% fee based on loan request. Refundable at closing only based on loan amount financed. Fixed/ARM floor: Initial Rate plus applicable adds. ARM Only: Floor = initial Rate; qualify at 70 basis points above initial rate at a minimum 1.20:1 debt service coverage ratio. ARM Programs only: First and subsequent adjustments; Quarterly ARM, 0.50% max each change; semi-annual, 1.00% max each change. 3-Year & 5-Year Fixed Hybrid Qualify at Start Rate or 4.00% whichever is greater to a minimum 1.15:1 DSCR. 3-year & 5-year fixed/ARM Programs Adjustments: First adjustment 2% max. Subsequent adjustments 0.50% max each 3 months. Interest only available for initial fixed period for 3-year fixed/ARM and 5-year fixed/ARM programs only, add .125 basis points to initial rate. Processing fee .05% of the loan amount or $1,095 whichever is greater Add $250 per application in excess of two applicants. Admin/MCG Application Fee $1,495 for loan amounts less than $1MM and $995 over $1MM. Interest rates and spreads adjustments as well as reduced loan-to-values are required for certain property types. Mixed-use properties - add to start rate, margin, life cap & qualifying rate for commercial components (based on greater of square footage or income): + 10 BP up to 25% commercial component, +25 BP 26% to 50% commercial component, over 50% not allowed. Maximum LTV may be lower for mixed-use properties. Rates may be increased based on property type. Primary lending areas include the counties of Los Angeles, Santa Barbara, Ventura, Orange, San Diego, Sonoma, Napa, Solano, Marin, San Francisco, Contra Costa, Alameda, San Mateo, Santa Clara, call about other counties Seismic - May be required for soft-story or tuck-under parking. Please call a representative. Recourse required. Non-recourse may be available add 15bps to rate, margin and life cap. Prepayment Fees: See loan program pricing. Other guidelines and pricing adds may apply please call for details and Lender fees. 4506 Required on all loan programs Rates, fees and terms are subject to change without notice.
A-57	A-5515	3.350	2.550	5 & Up	12 MAT	9.500	75/75	30/30	1.15:1	1.75, 1.75, 1.75, 1, 1	call
Guidelines Points and fees stated on this website are for CA DRE licensed Mortgage Brokers and Salesperson only and not for the general public. Loan programs available fro approved Counties in California only. Max. LTV 75% purchase & rate and term refinances; 75% maximum loan-to-value cash out refinance. Rate Locks: Rates are locked for 15 days at time of approval. Forward Rate Locks for 90 days available for a 1.00% fee based on loan request. Refundable at closing only based on loan amount financed. Fixed/ARM floor: Initial Rate plus applicable adds. ARM Only: Floor = initial Rate; qualify at 70 basis points above initial rate at a minimum 1.20:1 debt service coverage ratio. ARM Programs only: First and subsequent adjustments; Quarterly ARM, 0.50% max each change; semi-annual, 1.00% max each change. 3-Year & 5-Year Fixed Hybrid Qualify at Start Rate or 4.00% whichever is greater to a minimum 1.15:1 DSCR. 3-year & 5-year fixed/ARM Programs Adjustments: First adjustment 2% max. Subsequent adjustments 0.50% max each 3 months. Interest only available for initial fixed period for 3-year fixed/ARM and 5-year fixed/ARM programs only, add .125 basis points to initial rate. Processing fee .05% of the loan amount or $1,095 whichever is greater Add $250 per application in excess of two applicants. Admin/MCG Application Fee $1,495 for loan amounts less than $1MM and $995 over $1MM. Interest rates and spreads adjustments as well as reduced loan-to-values are required for certain property types. Mixed-use properties - add to start rate, margin, life cap & qualifying rate for commercial components (based on greater of square footage or income): + 10 BP up to 25% commercial component, +25 BP 26% to 50% commercial component, over 50% not allowed. Maximum LTV may be lower for mixed-use properties. Rates may be increased based on property type. Primary lending areas include the counties of Los Angeles, Santa Barbara, Ventura, Orange, San Diego, Sonoma, Napa, Solano, Marin, San Francisco, Contra Costa, Alameda, San Mateo, Santa Clara, call about other counties Seismic - May be required for soft-story or tuck-under parking. Please call a representative. Recourse required. Non-recourse may be available add 15bps to rate, margin and life cap. Prepayment Fees: See loan program pricing. Other guidelines and pricing adds may apply please call for details and Lender fees. 4506 Required on all loan programs Rates, fees and terms are subject to change without notice.
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5-Year GSE Fixed Term $750,000 to $5,000,000
Program	Key	Start Rate	Margin	Units	Index	Ceiling	Max LTV	Amort / Term	Min DCR	Pre-Pay	Loan Fee
MGU-5	MGS465	2.83	N/A	5 & Up	N/A	N/A	55/55	30/30	1.55:1	yield maintenance	310.265.4492
Guidelines Loan programs points and fees stated on this website are for CA DRE licensed Mortgage Brokers and Salesperson and not for the general public. Loan programs available nationwide, some restrictions may apply. Matrix pricing applies to loan sizes from $750,000 - $5,000,000 in the following MSA’s: Boston, Chicago, Los Angeles, Miami, New York, Orange County, San Diego, San Francisco, and Washington DC, Milwaukee, Minneapolis, New York, Philadelphia, Salt Lake City; add 10 bps to pricing for non-large MSA Add 10bps to the rate for loan amounts $750,000 to $2,999,999. Recourse: Non-recourse lending on all loans greater than $1.5 million and recourse on loans less than $1.5 million; certain exceptions apply to certain lending markets. Interest Only: May be available with additional cost in spread on 10-year term for inital two years for level 3 & 4 transactions, with 2 years maximum. Assumability: Yes, subject to lender approval and the payment of processing costs and a 1 percent assumption fee. Reserves: Tax and insurance escrows may be required. Replacement reserves: funding is required for certain loans. Rate Lock: Rate lock occurs after commitment is issued. Early rate lock option is also available. Due Diligence Fee: $4,500 upfront non-refundable application fee and $4,000 at closing for 3rd party reports and processing. $8,500 non-refundable application fee required for properties located in other other MSAs. Vacancy: The greater of current vacancy, market vacancy or 5% for residential income and the greater of current vacancy, market vacancy or 10% for commercial income. Minimum vacancy for 5-10 unit properties is 10%. Prepayment Fee: Yield Maintenance Additional lender underwriting guidelines will apply. Rates, fees and terms are subject to change without notice.
MGU-5	MGS466	2.93	N/A	5 & Up	N/A	N/A	55/55	30/30	1.55:1	yield maintenance	Call
Guidelines Loan programs points and fees stated on this website are for CA DRE licensed Mortgage Brokers and Salesperson and not for the general public. Loan programs available nationwide, some restrictions may apply. Matrix pricing applies to loan sizes from $750,000 - $5,000,000 in the following MSA’s: Boston, Chicago, Los Angeles, Miami, New York, Orange County, San Diego, San Francisco, and Washington DC, Milwaukee, Minneapolis, New York, Philadelphia, Salt Lake City; add 10 bps to pricing for non-large MSA Add 10bps to the rate for loan amounts $750,000 to $2,999,999. Recourse: Non-recourse lending on all loans greater than $1.5 million and recourse on loans less than $1.5 million; certain exceptions apply to certain lending markets. Interest Only: May be available with additional cost in spread on 10-year term for inital two years for level 3 & 4 transactions, with 2 years maximum. Assumability: Yes, subject to lender approval and the payment of processing costs and a 1 percent assumption fee. Reserves: Tax and insurance escrows may be required. Replacement reserves: funding is required for certain loans. Rate Lock: Rate lock occurs after commitment is issued. Early rate lock option is also available. Due Diligence Fee: $4,500 upfront non-refundable application fee and $4,000 at closing for 3rd party reports and processing. $8,500 non-refundable application fee required for properties located in other other MSAs. Vacancy: The greater of current vacancy, market vacancy or 5% for residential income and the greater of current vacancy, market vacancy or 10% for commercial income. Minimum vacancy for 5-10 unit properties is 10%. Prepayment Fee: Yield Maintenance Additional lender underwriting guidelines will apply. Rates, fees and terms are subject to change without notice.
MGU-5	MGS473	3.05	N/A	5 & Up	N/A	N/A	65/65	30/30	1.35:1	yield maintenance	Call
Guidelines Loan programs points and fees stated on this website are for CA DRE licensed Mortgage Brokers and Salesperson and not for the general public. Loan programs available nationwide, some restrictions may apply. Matrix pricing applies to loan sizes from $750,000 - $5,000,000 in the following MSA’s: Boston, Chicago, Los Angeles, Miami, New York, Orange County, San Diego, San Francisco, and Washington DC, Milwaukee, Minneapolis, New York, Philadelphia, Salt Lake City; add 10 bps to pricing for non-large MSA Add 10bps to the rate for loan amounts $750,000 to $2,999,999. Recourse: Non-recourse lending on all loans greater than $1.5 million and recourse on loans less than $1.5 million; certain exceptions apply to certain lending markets. Interest Only: May be available with additional cost in spread on 10-year term for inital two years for level 3 & 4 transactions, with 2 years maximum. Assumability: Yes, subject to lender approval and the payment of processing costs and a 1 percent assumption fee. Reserves: Tax and insurance escrows may be required. Replacement reserves: funding is required for certain loans. Rate Lock: Rate lock occurs after commitment is issued. Early rate lock option is also available. Due Diligence Fee: $4,500 upfront non-refundable application fee and $4,000 at closing for 3rd party reports and processing. $8,500 non-refundable application fee required for properties located in other other MSAs. Vacancy: The greater of current vacancy, market vacancy or 5% for residential income and the greater of current vacancy, market vacancy or 10% for commercial income. Minimum vacancy for 5-10 unit properties is 10%. Prepayment Fee: Yield Maintenance Additional lender underwriting guidelines will apply. Rates, fees and terms are subject to change without notice.
MGU-5	MGS474	3.15	N/A	5 & Up	N/A	N/A	65/65	30/30	1.35:1	yield maintenance	Call
Guidelines Loan programs points and fees stated on this website are for CA DRE licensed Mortgage Brokers and Salesperson and not for the general public. Loan programs available nationwide, some restrictions may apply. Matrix pricing applies to loan sizes from $750,000 - $5,000,000 in the following MSA’s: Boston, Chicago, Los Angeles, Miami, New York, Orange County, San Diego, San Francisco, and Washington DC, Milwaukee, Minneapolis, New York, Philadelphia, Salt Lake City; add 10 bps to pricing for non-large MSA Add 10bps to the rate for loan amounts $750,000 to $2,999,999. Recourse: Non-recourse lending on all loans greater than $1.5 million and recourse on loans less than $1.5 million; certain exceptions apply to certain lending markets. Interest Only: May be available with additional cost in spread on 10-year term for inital two years for level 3 & 4 transactions, with 2 years maximum. Assumability: Yes, subject to lender approval and the payment of processing costs and a 1 percent assumption fee. Reserves: Tax and insurance escrows may be required. Replacement reserves: funding is required for certain loans. Rate Lock: Rate lock occurs after commitment is issued. Early rate lock option is also available. Due Diligence Fee: $4,500 upfront non-refundable application fee and $4,000 at closing for 3rd party reports and processing. $8,500 non-refundable application fee required for properties located in other other MSAs. Vacancy: The greater of current vacancy, market vacancy or 5% for residential income and the greater of current vacancy, market vacancy or 10% for commercial income. Minimum vacancy for 5-10 unit properties is 10%. Prepayment Fee: Yield Maintenance Additional lender underwriting guidelines will apply. Rates, fees and terms are subject to change without notice.
MGU-5	MGS475	3.40	N/A	5 & Up	N/A	N/A	75/75	30/30	1.25:1	yield maintenance	Call
Guidelines Loan programs points and fees stated on this website are for CA DRE licensed Mortgage Brokers and Salesperson and not for the general public. Loan programs available nationwide, some restrictions may apply. Matrix pricing applies to loan sizes from $750,000 - $5,000,000 in the following MSA’s: Boston, Chicago, Los Angeles, Miami, New York, Orange County, San Diego, San Francisco, and Washington DC, Milwaukee, Minneapolis, New York, Philadelphia, Salt Lake City; add 10 bps to pricing for non-large MSA Add 10bps to the rate for loan amounts $750,000 to $2,999,999. Recourse: Non-recourse lending on all loans greater than $1.5 million and recourse on loans less than $1.5 million; certain exceptions apply to certain lending markets. Interest Only: May be available with additional cost in spread on 10-year term for inital two years for level 3 & 4 transactions, with 2 years maximum. Assumability: Yes, subject to lender approval and the payment of processing costs and a 1 percent assumption fee. Reserves: Tax and insurance escrows may be required. Replacement reserves: funding is required for certain loans. Rate Lock: Rate lock occurs after commitment is issued. Early rate lock option is also available. Due Diligence Fee: $4,500 upfront non-refundable application fee and $4,000 at closing for 3rd party reports and processing. $8,500 non-refundable application fee required for properties located in other other MSAs. Vacancy: The greater of current vacancy, market vacancy or 5% for residential income and the greater of current vacancy, market vacancy or 10% for commercial income. Minimum vacancy for 5-10 unit properties is 10%. Prepayment Fee: Yield Maintenance Additional lender underwriting guidelines will apply. Rates, fees and terms are subject to change without notice.
MGU-5	MGS476	3.59	N/A	5 & Up	N/A	N/A	75/75	30/30	1.25:1	yield maintenance	310.265.4492
Guidelines Loan programs points and fees stated on this website are for CA DRE licensed Mortgage Brokers and Salesperson and not for the general public. Loan programs available nationwide, some restrictions may apply. Matrix pricing applies to loan sizes from $750,000 - $5,000,000 in the following MSA’s: Boston, Chicago, Los Angeles, Miami, New York, Orange County, San Diego, San Francisco, and Washington DC, Milwaukee, Minneapolis, New York, Philadelphia, Salt Lake City; add 10 bps to pricing for non-large MSA Add 10bps to the rate for loan amounts $750,000 to $2,999,999. Recourse: Non-recourse lending on all loans greater than $1.5 million and recourse on loans less than $1.5 million; certain exceptions apply to certain lending markets. Interest Only: May be available with additional cost in spread on 10-year term for inital two years for level 3 & 4 transactions, with 2 years maximum. Assumability: Yes, subject to lender approval and the payment of processing costs and a 1 percent assumption fee. Reserves: Tax and insurance escrows may be required. Replacement reserves: funding is required for certain loans. Rate Lock: Rate lock occurs after commitment is issued. Early rate lock option is also available. Due Diligence Fee: $4,500 upfront non-refundable application fee and $4,000 at closing for 3rd party reports and processing. $8,500 non-refundable application fee required for properties located in other other MSAs. Vacancy: The greater of current vacancy, market vacancy or 5% for residential income and the greater of current vacancy, market vacancy or 10% for commercial income. Minimum vacancy for 5-10 unit properties is 10%. Prepayment Fee: Yield Maintenance Additional lender underwriting guidelines will apply. Rates, fees and terms are subject to change without notice.
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7-YEAR FIXED / 12MAT ARM- $500,000 to $999,999
Program	Key	Start Rate	Margin	Units	Index	Ceiling	Max LTV	Amort / Term	Min DCR	Pre-Pay	Loan Fee
L-7	A-5482	4.315	2.875	5 & Up	12 MAT	9.500	75/75	30/30	1.15:1	2.5,2.5,2.5,2.5,2.5,1,1	310.265.4492
Guidelines Points and fees stated on this website are for CA DRE licensed Mortgage Brokers and Salesperson only and not for the general public. Loan programs available fro approved Counties in California only. Max. LTV 75% purchase & rate and term refinances; 75% maximum loan-to-value cash out refinance. Rate Locks: Rates are locked for 15 days at time of approval. Forward Rate Locks for 90 days available for a 1.00% fee based on loan request. Refundable at closing only based on loan amount financed. Fixed/ARM floor: Initial Rate plus applicable adds. ARM Only: Floor = initial Rate; qualify at 70 basis points above initial rate at a minimum 1.20:1 debt service coverage ratio. ARM Programs only: First and subsequent adjustments; Quarterly ARM, 0.50% max each change; semi-annual, 1.00% max each change. 3-Year & 5-Year Fixed Hybrid Qualify at Start Rate or 4.00% whichever is greater to a minimum 1.15:1 DSCR. 3-year & 5-year fixed/ARM Programs Adjustments: First adjustment 2% max. Subsequent adjustments 0.50% max each 3 months. Interest only available for initial fixed period for 3-year fixed/ARM and 5-year fixed/ARM programs only, add .125 basis points to initial rate. Processing fee .05% of the loan amount or $1,095 whichever is greater Add $250 per application in excess of two applicants. Admin/MCG Application Fee $1,495 for loan amounts less than $1MM and $995 over $1MM. Interest rates and spreads adjustments as well as reduced loan-to-values are required for certain property types. Mixed-use properties - add to start rate, margin, life cap & qualifying rate for commercial components (based on greater of square footage or income): + 10 BP up to 25% commercial component, +25 BP 26% to 50% commercial component, over 50% not allowed. Maximum LTV may be lower for mixed-use properties. Rates may be increased based on property type. Primary lending areas include the counties of Los Angeles, Santa Barbara, Ventura, Orange, San Diego, Sonoma, Napa, Solano, Marin, San Francisco, Contra Costa, Alameda, San Mateo, Santa Clara, call about other counties Seismic - May be required for soft-story or tuck-under parking. Please call a representative. Recourse required. Non-recourse may be available add 15bps to rate, margin and life cap. Prepayment Fees: See loan program pricing. Other guidelines and pricing adds may apply please call for details and Lender fees. 4506 Required on all loan programs Rates, fees and terms are subject to change without notice.
L-7	A-5503	4.500	2.875	5 & Up	12 MAT	9.500	70/70	30/30	1.25:1	2.5,2.5,2.5,2.5,2.5,1,1	Call
Guidelines Points and fees stated on this website are for CA DRE licensed Mortgage Brokers and Salesperson only and not for the general public. Loan programs available fro approved Counties in California only. Max. LTV 75% purchase & rate and term refinances; 75% maximum loan-to-value cash out refinance. Rate Locks: Rates are locked for 15 days at time of approval. Forward Rate Locks for 90 days available for a 1.00% fee based on loan request. Refundable at closing only based on loan amount financed. Fixed/ARM floor: Initial Rate plus applicable adds. ARM Only: Floor = initial Rate; qualify at 70 basis points above initial rate at a minimum 1.20:1 debt service coverage ratio. ARM Programs only: First and subsequent adjustments; Quarterly ARM, 0.50% max each change; semi-annual, 1.00% max each change. 3-Year & 5-Year Fixed Hybrid Qualify at Start Rate or 4.00% whichever is greater to a minimum 1.15:1 DSCR. 3-year & 5-year fixed/ARM Programs Adjustments: First adjustment 2% max. Subsequent adjustments 0.50% max each 3 months. Interest only available for initial fixed period for 3-year fixed/ARM and 5-year fixed/ARM programs only, add .125 basis points to initial rate. Processing fee .05% of the loan amount or $1,095 whichever is greater Add $250 per application in excess of two applicants. Admin/MCG Application Fee $1,495 for loan amounts less than $1MM and $995 over $1MM. Interest rates and spreads adjustments as well as reduced loan-to-values are required for certain property types. Mixed-use properties - add to start rate, margin, life cap & qualifying rate for commercial components (based on greater of square footage or income): + 10 BP up to 25% commercial component, +25 BP 26% to 50% commercial component, over 50% not allowed. Maximum LTV may be lower for mixed-use properties. Rates may be increased based on property type. Primary lending areas include the counties of Los Angeles, Santa Barbara, Ventura, Orange, San Diego, Sonoma, Napa, Solano, Marin, San Francisco, Contra Costa, Alameda, San Mateo, Santa Clara, call about other counties Seismic - May be required for soft-story or tuck-under parking. Please call a representative. Recourse required. Non-recourse may be available add 15bps to rate, margin and life cap. Prepayment Fees: See loan program pricing. Other guidelines and pricing adds may apply please call for details and Lender fees. 4506 Required on all loan programs Rates, fees and terms are subject to change without notice.
L-7	A-5504	4.625	2.875	5 & Up	12 MAT	9.500	70/70	30/30	1.25:1	2.5,2.5,2.5,2.5,2.5,1,1	Call
Guidelines Points and fees stated on this website are for CA DRE licensed Mortgage Brokers and Salesperson only and not for the general public. Loan programs available fro approved Counties in California only. Max. LTV 75% purchase & rate and term refinances; 75% maximum loan-to-value cash out refinance. Rate Locks: Rates are locked for 15 days at time of approval. Forward Rate Locks for 90 days available for a 1.00% fee based on loan request. Refundable at closing only based on loan amount financed. Fixed/ARM floor: Initial Rate plus applicable adds. ARM Only: Floor = initial Rate; qualify at 70 basis points above initial rate at a minimum 1.20:1 debt service coverage ratio. ARM Programs only: First and subsequent adjustments; Quarterly ARM, 0.50% max each change; semi-annual, 1.00% max each change. 3-Year & 5-Year Fixed Hybrid Qualify at Start Rate or 4.00% whichever is greater to a minimum 1.15:1 DSCR. 3-year & 5-year fixed/ARM Programs Adjustments: First adjustment 2% max. Subsequent adjustments 0.50% max each 3 months. Interest only available for initial fixed period for 3-year fixed/ARM and 5-year fixed/ARM programs only, add .125 basis points to initial rate. Processing fee .05% of the loan amount or $1,095 whichever is greater Add $250 per application in excess of two applicants. Admin/MCG Application Fee $1,495 for loan amounts less than $1MM and $995 over $1MM. Interest rates and spreads adjustments as well as reduced loan-to-values are required for certain property types. Mixed-use properties - add to start rate, margin, life cap & qualifying rate for commercial components (based on greater of square footage or income): + 10 BP up to 25% commercial component, +25 BP 26% to 50% commercial component, over 50% not allowed. Maximum LTV may be lower for mixed-use properties. Rates may be increased based on property type. Primary lending areas include the counties of Los Angeles, Santa Barbara, Ventura, Orange, San Diego, Sonoma, Napa, Solano, Marin, San Francisco, Contra Costa, Alameda, San Mateo, Santa Clara, call about other counties Seismic - May be required for soft-story or tuck-under parking. Please call a representative. Recourse required. Non-recourse may be available add 15bps to rate, margin and life cap. Prepayment Fees: See loan program pricing. Other guidelines and pricing adds may apply please call for details and Lender fees. 4506 Required on all loan programs Rates, fees and terms are subject to change without notice.
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7-YEAR FIXED / 12MAT ARM- $1,000,000 to $7,000,000
Program	Key	Start Rate	Margin	Units	Index	Ceiling	Max LTV	Amort / Term	Min DCR	Pre-Pay	Loan Fee
L-7J	A-5483	4.190	2.750	5 & Up	12 MAT	9.5	75/75	30/30	1.15:1	2.5,2.5,2.5,2.5,2.5,1,1	310.265.4492
Guidelines Points and fees stated on this website are for CA DRE licensed Mortgage Brokers and Salesperson only and not for the general public. Loan programs available fro approved Counties in California only. Max. LTV 75% purchase & rate and term refinances; 75% maximum loan-to-value cash out refinance. Rate Locks: Rates are locked for 15 days at time of approval. Forward Rate Locks for 90 days available for a 1.00% fee based on loan request. Refundable at closing only based on loan amount financed. Fixed/ARM floor: Initial Rate plus applicable adds. ARM Only: Floor = initial Rate; qualify at 70 basis points above initial rate at a minimum 1.20:1 debt service coverage ratio. ARM Programs only: First and subsequent adjustments; Quarterly ARM, 0.50% max each change; semi-annual, 1.00% max each change. 3-Year & 5-Year Fixed Hybrid Qualify at Start Rate or 4.00% whichever is greater to a minimum 1.15:1 DSCR. 3-year & 5-year fixed/ARM Programs Adjustments: First adjustment 2% max. Subsequent adjustments 0.50% max each 3 months. Processing fee .05% of the loan amount or $1,095 whichever is greater Add $250 per application in excess of two applicants. MCG loan processing fee $1,295 Interest rates and spreads adjustments as well as reduced loan-to-values are required for certain property types. Mixed-use properties - add to start rate, margin, life cap & qualifying rate for commercial components (based on greater of square footage or income): + 10 BP up to 25% commercial component, +25 BP 26% to 50% commercial component, over 50% not allowed. Maximum LTV may be lower for mixed-use properties. Rates may be increased based on property type. Primary lending areas include the counties of Los Angeles, Santa Barbara, Ventura, Orange, San Diego, Sonoma, Napa, Solano, Marin, San Francisco, Contra Costa, Alameda, San Mateo, Santa Clara, call about other counties Seismic - May be required for soft-story or tuck-under parking. Please call a representative. Recourse required. Non-recourse may be available add 15bps to rate, margin and life cap. Other guidelines and pricing adds may apply please call for details and Lender fees. 4506 Required on all loan programs Rates, fees and terms are subject to change without notice.
L-7J	A-5505	4.750	3.00	5 & Up	12 MAT	9.500	70/70	30/30	1.25:1	2.5,2.5,2.5,2.5,2.5,1,1	Call
Guidelines Points and fees stated on this website are for CA DRE licensed Mortgage Brokers and Salesperson only and not for the general public. Loan programs available fro approved Counties in California only. Max. LTV 75% purchase & rate and term refinances; 75% maximum loan-to-value cash out refinance. Rate Locks: Rates are locked for 15 days at time of approval. Forward Rate Locks for 90 days available for a 1.00% fee based on loan request. Refundable at closing only based on loan amount financed. Fixed/ARM floor: Initial Rate plus applicable adds. ARM Only: Floor = initial Rate; qualify at 70 basis points above initial rate at a minimum 1.20:1 debt service coverage ratio. ARM Programs only: First and subsequent adjustments; Quarterly ARM, 0.50% max each change; semi-annual, 1.00% max each change. 3-Year & 5-Year Fixed Hybrid Qualify at Start Rate or 4.00% whichever is greater to a minimum 1.15:1 DSCR. 3-year & 5-year fixed/ARM Programs Adjustments: First adjustment 2% max. Subsequent adjustments 0.50% max each 3 months. Interest only available for initial fixed period for 3-year fixed/ARM and 5-year fixed/ARM programs only, add .125 basis points to initial rate. Processing fee .05% of the loan amount or $1,095 whichever is greater Add $250 per application in excess of two applicants. Admin/MCG Application Fee $1,495 for loan amounts less than $1MM and $995 over $1MM. Interest rates and spreads adjustments as well as reduced loan-to-values are required for certain property types. Mixed-use properties - add to start rate, margin, life cap & qualifying rate for commercial components (based on greater of square footage or income): + 10 BP up to 25% commercial component, +25 BP 26% to 50% commercial component, over 50% not allowed. Maximum LTV may be lower for mixed-use properties. Rates may be increased based on property type. Primary lending areas include the counties of Los Angeles, Santa Barbara, Ventura, Orange, San Diego, Sonoma, Napa, Solano, Marin, San Francisco, Contra Costa, Alameda, San Mateo, Santa Clara, call about other counties Seismic - May be required for soft-story or tuck-under parking. Please call a representative. Recourse required. Non-recourse may be available add 15bps to rate, margin and life cap. Prepayment Fees: See loan program pricing. Other guidelines and pricing adds may apply please call for details and Lender fees. 4506 Required on all loan programs Rates, fees and terms are subject to change without notice.
L-7J	A-5506	3.359	3.00	5 & Up	12 MAT	9.500	70/70	30/30	1.25:1	2.5,2.5,2.5,2.5,2.5,1,1	Call
Guidelines Points and fees stated on this website are for CA DRE licensed Mortgage Brokers and Salesperson only and not for the general public. Loan programs available fro approved Counties in California only. Max. LTV 75% purchase & rate and term refinances; 75% maximum loan-to-value cash out refinance. Rate Locks: Rates are locked for 15 days at time of approval. Forward Rate Locks for 90 days available for a 1.00% fee based on loan request. Refundable at closing only based on loan amount financed. Fixed/ARM floor: Initial Rate plus applicable adds. ARM Only: Floor = initial Rate; qualify at 70 basis points above initial rate at a minimum 1.20:1 debt service coverage ratio. ARM Programs only: First and subsequent adjustments; Quarterly ARM, 0.50% max each change; semi-annual, 1.00% max each change. 3-Year & 5-Year Fixed Hybrid Qualify at Start Rate or 4.00% whichever is greater to a minimum 1.15:1 DSCR. 3-year & 5-year fixed/ARM Programs Adjustments: First adjustment 2% max. Subsequent adjustments 0.50% max each 3 months. Interest only available for initial fixed period for 3-year fixed/ARM and 5-year fixed/ARM programs only, add .125 basis points to initial rate. Processing fee .05% of the loan amount or $1,095 whichever is greater Add $250 per application in excess of two applicants. Admin/MCG Application Fee $1,495 for loan amounts less than $1MM and $995 over $1MM. Interest rates and spreads adjustments as well as reduced loan-to-values are required for certain property types. Mixed-use properties - add to start rate, margin, life cap & qualifying rate for commercial components (based on greater of square footage or income): + 10 BP up to 25% commercial component, +25 BP 26% to 50% commercial component, over 50% not allowed. Maximum LTV may be lower for mixed-use properties. Rates may be increased based on property type. Primary lending areas include the counties of Los Angeles, Santa Barbara, Ventura, Orange, San Diego, Sonoma, Napa, Solano, Marin, San Francisco, Contra Costa, Alameda, San Mateo, Santa Clara, call about other counties Seismic - May be required for soft-story or tuck-under parking. Please call a representative. Recourse required. Non-recourse may be available add 15bps to rate, margin and life cap. Prepayment Fees: See loan program pricing. Other guidelines and pricing adds may apply please call for details and Lender fees. 4506 Required on all loan programs Rates, fees and terms are subject to change without notice.
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10-YEAR FIXED TERM - $1,000,000 TO $7,500,000 - BANK PORTFOLIO
Program	Key	Start Rate	Margin	Units	Index	Ceiling	Max LTV	Amort / Term	Min DCR	Pre-Pay	Loan Fee
MCG-C10	MCG-C502	4.550	2.750	5 & Up	6 Month Libor	11.000	70	30/15	1.20:1	5-4-3-2-1%	Call
Guidelines Rates stated for A & B Investor Grade Properties in designated MSA areas. Will consider C investor grade properties, priced according to risk. All loans are considered Credit Dependant, meaning sponsorship credit strengths, character and real estate experience will be reviewed. Recourse/Guarantees are usually required unless loan to value is <=50% LTV. For Loan Amount Request of $1MM to $7.5MM
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10-YEAR FIXED/LIBOR ARM $500,000 TO $5,000,000
Program	Key	Start Rate	Margin	Units	Index	Ceiling	Max LTV	Amort / Term	Min DCR	Pre-Pay	Loan Fee
UMC-10	MUA491	5.625	3.000	5 & Up	6-Mo Libor	11.000	75/75	30/30	1.20:1	5%,4%,3%,2%,1%	310.265.4492
Guidelines Loan programs restricted to California, Oregon and Washington The initial fixed interest rate stated will change daily until Option to Lock the Rate is exercised. The rate stated for this loan programs is "premium pricing" which requires building built after 1980, no major deferred maintenance, investor market appeal, annual financial reporting otherwise "standard" pricing will apply. No rebates allowed on this program, par pricing only. All loans will have an initial fixed rate for the fixed term and thereafter will reprice quarterly at the ARM margin shown plus 6 Month Libor capped at 0.50% per adjustment. Life Cap of 11.000% Loan processing fee: $2,500 will be deducted from the loan proceeds. MCG admin fee: $995 will be deducted from the loan proceeds. Good Faith Deposit / Appraisal Fee quoted per individual loan request. Rates, fees and terms are subject to change without notice.
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10-YEAR FIXED/LIBOR ARM - $1,001,000+ to $5,000,000
Program	Key	Start Rate	Margin	Units	Index	Ceiling	Max LTV	Amort / Term	Min DCR	Pre-Pay	Loan Fee
UMC -J10	MUA493	4.625	2.250	5 & Up	Libor	11.00	60/60	30/30	1.20:1	5,4,3,2,1	310.265.4492
Guidelines Loan programs restricted to California, Oregon and Washington The initial fixed interest rate stated will change daily until Option to Lock the Rate is exercised. The rate stated for this loan programs is "premium pricing" which requires building built after 1980, no major deferred maintenance, investor market appeal, annual financial reporting otherwise "standard" pricing will apply. No rebates allowed on this program, par pricing only. All loans will have an initial fixed rate for the fixed term and thereafter will reprice quarterly at the ARM margin shown plus 6 Month Libor capped at 0.50% per adjustment. Life Cap of 11.000% Loan processing fee: $2,500 will be deducted from the loan proceeds. MCG admin fee: $995 will be deducted from the loan proceeds. Good Faith Deposit / Appraisal Fee quoted per individual loan request. Rates, fees and terms are subject to change without notice.
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PM-10 Soft Money Low Leverage $500,000 to $10,000,000
Program	Key	Start Rate	Margin	Units	Index	Ceiling	Max LTV	Amort / Term	Min DCR	Pre-Pay	Loan Fee
MPM-10	PM10477	6.95%	N/A	1 & Up Income	N/A	N/A	40%	30/10	1.20:1	6-Monts Interest	310.265.4492
Guidelines Low leverage, recourse required, nonrecourse case by case at 35% or less LTV 30-year amortization with up to 1, 2, 5 and 10-year fixed terms available. Interest only payments will be considered on a case by case basis at a max 50% LTV. Up to 60% LTV Large MSA areas only: Los Angeles County, Orange County, San Francisco (includes Oakland and San Jose), San Diego County, Baltimore, Boston, Chicago, Milwaukee, Minneapolis, New York, Philadelphia, Portland, Salt Lake City, Seattle, Washington DC REO and distressed properties will be considered at a breakeven DCR and acceptable pro forma for meeting a stablized 1.20:1 DCR. Subject property must be income producing; strong loan term tenants (stable cash flow) Borrowers: High net worth, strong credit and liquidty Bankruptcies, mortgage lates or tax liens or current derogs. Explanations required for past credit derogs. Current appraisal required Phase I Environmental Site Assessment required on all properties except Non-Owner Occupied SFRs. No caps on tenant vacancies with minimum 1.20 DSCR Typical prepayment fee of 6-months to 1-year in first 2 years on mortgage term Standard fees include appraisal, Phase 1, Underwriting, Loan Processing, Initial Site Inspection, and Legal of $8,500 and up depending on each property and loan request. Rates, fees and terms are subject to change without notice.
MPM-10	PM10478	7.25%	N/A	1 & Up Income	N/A	N/A	45%	30/10	1.20:1	6-Months Interest	Call
Guidelines Low leverage, recourse required, nonrecourse case by case at 35% or less LTV 30-year amortization with up to 1, 2, 5 and 10-year fixed terms available. Interest only payments will be considered on a case by case basis at a max 50% LTV. Up to 60% LTV Large MSA areas only: Los Angeles County, Orange County, San Francisco (includes Oakland and San Jose), San Diego County, Baltimore, Boston, Chicago, Milwaukee, Minneapolis, New York, Philadelphia, Portland, Salt Lake City, Seattle, Washington DC REO and distressed properties will be considered at a breakeven DCR and acceptable pro forma for meeting a stablized 1.20:1 DCR. Subject property must be income producing; strong loan term tenants (stable cash flow) Borrowers: High net worth, strong credit and liquidty Bankruptcies, mortgage lates or tax liens or current derogs. Explanations required for past credit derogs. Current appraisal required Phase I Environmental Site Assessment required on all properties except Non-Owner Occupied SFRs. No caps on tenant vacancies with minimum 1.20 DSCR Typical prepayment fee of 6-months to 1-year in first 2 years on mortgage term Standard fees include appraisal, Phase 1, Underwriting, Loan Processing, Initial Site Inspection, and Legal of $8,500 and up depending on each property and loan request. Rates, fees and terms are subject to change without notice.
MPM-10	PM10479	7.50%	N/A	1 & Up Income	N/A	N/A	50%	30/10	1.20:1	6-Months Interest	310.265.4492
Guidelines Low leverage, recourse required, nonrecourse case by case at 35% or less LTV 30-year amortization with up to 1, 2, 5 and 10-year fixed terms available. Interest only payments will be considered on a case by case basis at a max 50% LTV. Up to 60% LTV Large MSA areas only: Los Angeles County, Orange County, San Francisco (includes Oakland and San Jose), San Diego County, Baltimore, Boston, Chicago, Milwaukee, Minneapolis, New York, Philadelphia, Portland, Salt Lake City, Seattle, Washington DC REO and distressed properties will be considered at a breakeven DCR and acceptable pro forma for meeting a stablized 1.20:1 DCR. Subject property must be income producing; strong loan term tenants (stable cash flow) Borrowers: High net worth, strong credit and liquidty Bankruptcies, mortgage lates or tax liens or current derogs. Explanations required for past credit derogs. Current appraisal required Phase I Environmental Site Assessment required on all properties except Non-Owner Occupied SFRs. No caps on tenant vacancies with minimum 1.20 DSCR Typical prepayment fee of 6-months to 1-year in first 2 years on mortgage term Standard fees include appraisal, Phase 1, Underwriting, Loan Processing, Initial Site Inspection, and Legal of $8,500 and up depending on each property and loan request. Rates, fees and terms are subject to change without notice.
MPM-10	PM10480	8.00%	N/A	1 & Up Income	N/A	N/A	55%	30/10	1.20:1	6-Months Interest	Call
Guidelines Low leverage, recourse required, nonrecourse case by case at 35% or less LTV 30-year amortization with up to 1, 2, 5 and 10-year fixed terms available. Interest only payments will be considered on a case by case basis at a max 50% LTV. Up to 60% LTV Large MSA areas only: Los Angeles County, Orange County, San Francisco (includes Oakland and San Jose), San Diego County, Baltimore, Boston, Chicago, Milwaukee, Minneapolis, New York, Philadelphia, Portland, Salt Lake City, Seattle, Washington DC REO and distressed properties will be considered at a breakeven DCR and acceptable pro forma for meeting a stablized 1.20:1 DCR. Subject property must be income producing; strong loan term tenants (stable cash flow) Borrowers: High net worth, strong credit and liquidty Bankruptcies, mortgage lates or tax liens or current derogs. Explanations required for past credit derogs. Current appraisal required Phase I Environmental Site Assessment required on all properties except Non-Owner Occupied SFRs. No caps on tenant vacancies with minimum 1.20 DSCR Typical prepayment fee of 6-months to 1-year in first 2 years on mortgage term Standard fees include appraisal, Phase 1, Underwriting, Loan Processing, Initial Site Inspection, and Legal of $8,500 and up depending on each property and loan request. Rates, fees and terms are subject to change without notice.
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7-Year GSE Fixed Term $750,000 to $5,000,000
Program	Key	Start Rate	Margin	Units	Index	Ceiling	Max LTV	Amort / Term	Min DCR	Pre-Pay	Loan Fee
MGS-7	MGS467	3.07	N/A	5 & Up	N/A	N/A	55/55	30/30	1.55:1	yield maintenance	310.265.4492
Guidelines Loan programs points and fees stated on this website are for CA DRE licensed Mortgage Brokers and Salesperson and not for the general public. Loan programs available nationwide, some restrictions may apply. Matrix pricing applies to loan sizes from $750,000 - $5,000,000 in the following MSA’s: Boston, Chicago, Los Angeles, Miami, New York, Orange County, San Diego, San Francisco, and Washington DC, Milwaukee, Minneapolis, New York, Philadelphia, Salt Lake City; add 10 bps to pricing for non-large MSA Add 10bps to the rate for loan amounts $750,000 to $2,999,999. Recourse: Non-recourse lending on all loans greater than $1.5 million and recourse on loans less than $1.5 million; certain exceptions apply to certain lending markets. Interest Only: May be available with additional cost in spread on 10-year term for inital two years for level 3 & 4 transactions, with 2 years maximum. Assumability: Yes, subject to lender approval and the payment of processing costs and a 1 percent assumption fee. Reserves: Tax and insurance escrows may be required. Replacement reserves: funding is required for certain loans. Rate Lock: Rate lock occurs after commitment is issued. Early rate lock option is also available. Due Diligence Fee: $4,500 upfront non-refundable application fee and $4,000 at closing for 3rd party reports and processing. $8,500 non-refundable application fee required for properties located in other other MSAs. Vacancy: The greater of current vacancy, market vacancy or 5% for residential income and the greater of current vacancy, market vacancy or 10% for commercial income. Minimum vacancy for 5-10 unit properties is 10%. Prepayment Fee: Yield Maintenance Additional lender underwriting guidelines will apply. Rates, fees and terms are subject to change without notice.
MGS-7	MGS468	3.15	N/A	5 & Up	N/A	N/A	55/55	30/30	1.55:1	yield maintenance	Call
Guidelines Loan programs points and fees stated on this website are for CA DRE licensed Mortgage Brokers and Salesperson and not for the general public. Loan programs available nationwide, some restrictions may apply. Matrix pricing applies to loan sizes from $750,000 - $5,000,000 in the following MSA’s: Boston, Chicago, Los Angeles, Miami, New York, Orange County, San Diego, San Francisco, and Washington DC, Milwaukee, Minneapolis, New York, Philadelphia, Salt Lake City; add 10 bps to pricing for non-large MSA Add 10bps to the rate for loan amounts $750,000 to $2,999,999. Recourse: Non-recourse lending on all loans greater than $1.5 million and recourse on loans less than $1.5 million; certain exceptions apply to certain lending markets. Interest Only: May be available with additional cost in spread on 10-year term for inital two years for level 3 & 4 transactions, with 2 years maximum. Assumability: Yes, subject to lender approval and the payment of processing costs and a 1 percent assumption fee. Reserves: Tax and insurance escrows may be required. Replacement reserves: funding is required for certain loans. Rate Lock: Rate lock occurs after commitment is issued. Early rate lock option is also available. Due Diligence Fee: $4,500 upfront non-refundable application fee and $4,000 at closing for 3rd party reports and processing. $8,500 non-refundable application fee required for properties located in other other MSAs. Vacancy: The greater of current vacancy, market vacancy or 5% for residential income and the greater of current vacancy, market vacancy or 10% for commercial income. Minimum vacancy for 5-10 unit properties is 10%. Prepayment Fee: Yield Maintenance Additional lender underwriting guidelines will apply. Rates, fees and terms are subject to change without notice.
MGS-7	MGS469	3.29	N/A	5 & Up	N/A	N/A	65/65	30/30	1.35:1	yield maintenance	Call
Guidelines Loan programs points and fees stated on this website are for CA DRE licensed Mortgage Brokers and Salesperson and not for the general public. Loan programs available nationwide, some restrictions may apply. Matrix pricing applies to loan sizes from $750,000 - $5,000,000 in the following MSA’s: Boston, Chicago, Los Angeles, Miami, New York, Orange County, San Diego, San Francisco, and Washington DC, Milwaukee, Minneapolis, New York, Philadelphia, Salt Lake City; add 10 bps to pricing for non-large MSA Add 10bps to the rate for loan amounts $750,000 to $2,999,999. Recourse: Non-recourse lending on all loans greater than $1.5 million and recourse on loans less than $1.5 million; certain exceptions apply to certain lending markets. Interest Only: May be available with additional cost in spread on 10-year term for inital two years for level 3 & 4 transactions, with 2 years maximum. Assumability: Yes, subject to lender approval and the payment of processing costs and a 1 percent assumption fee. Reserves: Tax and insurance escrows may be required. Replacement reserves: funding is required for certain loans. Rate Lock: Rate lock occurs after commitment is issued. Early rate lock option is also available. Due Diligence Fee: $4,500 upfront non-refundable application fee and $4,000 at closing for 3rd party reports and processing. $8,500 non-refundable application fee required for properties located in other other MSAs. Vacancy: The greater of current vacancy, market vacancy or 5% for residential income and the greater of current vacancy, market vacancy or 10% for commercial income. Minimum vacancy for 5-10 unit properties is 10%. Prepayment Fee: Yield Maintenance Additional lender underwriting guidelines will apply. Rates, fees and terms are subject to change without notice.
MGS-7	MGS470	3.37	N/A	5 & Up	N/A	N/A	65/65	30/30	1.35:1	yield maintenance	Call
Guidelines Loan programs points and fees stated on this website are for CA DRE licensed Mortgage Brokers and Salesperson and not for the general public. Loan programs available nationwide, some restrictions may apply. Matrix pricing applies to loan sizes from $750,000 - $5,000,000 in the following MSA’s: Boston, Chicago, Los Angeles, Miami, New York, Orange County, San Diego, San Francisco, and Washington DC, Milwaukee, Minneapolis, New York, Philadelphia, Salt Lake City; add 10 bps to pricing for non-large MSA Add 10bps to the rate for loan amounts $750,000 to $2,999,999. Recourse: Non-recourse lending on all loans greater than $1.5 million and recourse on loans less than $1.5 million; certain exceptions apply to certain lending markets. Interest Only: May be available with additional cost in spread on 10-year term for inital two years for level 3 & 4 transactions, with 2 years maximum. Assumability: Yes, subject to lender approval and the payment of processing costs and a 1 percent assumption fee. Reserves: Tax and insurance escrows may be required. Replacement reserves: funding is required for certain loans. Rate Lock: Rate lock occurs after commitment is issued. Early rate lock option is also available. Due Diligence Fee: $4,500 upfront non-refundable application fee and $4,000 at closing for 3rd party reports and processing. $8,500 non-refundable application fee required for properties located in other other MSAs. Vacancy: The greater of current vacancy, market vacancy or 5% for residential income and the greater of current vacancy, market vacancy or 10% for commercial income. Minimum vacancy for 5-10 unit properties is 10%. Prepayment Fee: Yield Maintenance Additional lender underwriting guidelines will apply. Rates, fees and terms are subject to change without notice.
MGS-7	MGS471	3.64	N/A	5 & Up	N/A	N/A	75/75	30/30	1.25:1	yield maintenance	Call
Guidelines Loan programs points and fees stated on this website are for CA DRE licensed Mortgage Brokers and Salesperson and not for the general public. Loan programs available nationwide, some restrictions may apply. Matrix pricing applies to loan sizes from $750,000 - $5,000,000 in the following MSA’s: Boston, Chicago, Los Angeles, Miami, New York, Orange County, San Diego, San Francisco, and Washington DC, Milwaukee, Minneapolis, New York, Philadelphia, Salt Lake City; add 10 bps to pricing for non-large MSA Add 10bps to the rate for loan amounts $750,000 to $2,999,999. Recourse: Non-recourse lending on all loans greater than $1.5 million and recourse on loans less than $1.5 million; certain exceptions apply to certain lending markets. Interest Only: May be available with additional cost in spread on 10-year term for inital two years for level 3 & 4 transactions, with 2 years maximum. Assumability: Yes, subject to lender approval and the payment of processing costs and a 1 percent assumption fee. Reserves: Tax and insurance escrows may be required. Replacement reserves: funding is required for certain loans. Rate Lock: Rate lock occurs after commitment is issued. Early rate lock option is also available. Due Diligence Fee: $4,500 upfront non-refundable application fee and $4,000 at closing for 3rd party reports and processing. $8,500 non-refundable application fee required for properties located in other other MSAs. Vacancy: The greater of current vacancy, market vacancy or 5% for residential income and the greater of current vacancy, market vacancy or 10% for commercial income. Minimum vacancy for 5-10 unit properties is 10%. Prepayment Fee: Yield Maintenance Additional lender underwriting guidelines will apply. Rates, fees and terms are subject to change without notice.
MGS-7	MGS472	3.79	N/A	5 & Up	N/A	N/A	75/75	30/30	1.25:1	yield maintenance	Call
Guidelines Loan programs points and fees stated on this website are for CA DRE licensed Mortgage Brokers and Salesperson and not for the general public. Loan programs available nationwide, some restrictions may apply. Matrix pricing applies to loan sizes from $750,000 - $5,000,000 in the following MSA’s: Boston, Chicago, Los Angeles, Miami, New York, Orange County, San Diego, San Francisco, and Washington DC, Milwaukee, Minneapolis, New York, Philadelphia, Salt Lake City; add 10 bps to pricing for non-large MSA Add 10bps to the rate for loan amounts $750,000 to $2,999,999. Recourse: Non-recourse lending on all loans greater than $1.5 million and recourse on loans less than $1.5 million; certain exceptions apply to certain lending markets. Interest Only: May be available with additional cost in spread on 10-year term for inital two years for level 3 & 4 transactions, with 2 years maximum. Assumability: Yes, subject to lender approval and the payment of processing costs and a 1 percent assumption fee. Reserves: Tax and insurance escrows may be required. Replacement reserves: funding is required for certain loans. Rate Lock: Rate lock occurs after commitment is issued. Early rate lock option is also available. Due Diligence Fee: $4,500 upfront non-refundable application fee and $4,000 at closing for 3rd party reports and processing. $8,500 non-refundable application fee required for properties located in other other MSAs. Vacancy: The greater of current vacancy, market vacancy or 5% for residential income and the greater of current vacancy, market vacancy or 10% for commercial income. Minimum vacancy for 5-10 unit properties is 10%. Prepayment Fee: Yield Maintenance Additional lender underwriting guidelines will apply. Rates, fees and terms are subject to change without notice.
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10-Year GSE Fixed Term $750,000 to $5,000,000
Program	Key	Start Rate	Margin	Units	Index	Ceiling	Max LTV	Amort / Term	Min DCR	Pre-Pay	Loan Fee
A-22	MGS339	3.54	N/A	5 and Up	Treasury	N/A	55/55	30/10	1.55:1	yield maintenance	310.265.4492
Guidelines Loan programs points and fees stated on this website are for CA DRE licensed Mortgage Brokers and Salesperson and not for the general public. Loan programs available nationwide, some restrictions may apply. Matrix pricing applies to loan sizes from $750,000 - $5,000,000 in the following MSA’s: Boston, Chicago, Los Angeles, Miami, New York, Orange County, San Diego, San Francisco, and Washington DC, Milwaukee, Minneapolis, New York, Philadelphia, Salt Lake City; add 10 bps to pricing for non-large MSA Add 10bps to the rate for loan amounts $750,000 to $2,999,999. Recourse: Non-recourse lending on all loans greater than $1.5 million and recourse on loans less than $1.5 million; certain exceptions apply to certain lending markets. Interest Only: May be available with additional cost in spread on 10-year term for inital two years for level 3 & 4 transactions, with 2 years maximum. Assumability: Yes, subject to lender approval and the payment of processing costs and a 1 percent assumption fee. Reserves: Tax and insurance escrows may be required. Replacement reserves: funding is required for certain loans. Rate Lock: Rate lock occurs after commitment is issued. Early rate lock option is also available. Due Diligence Fee: $4,500 upfront non-refundable application fee and $4,000 at closing for 3rd party reports and processing. $8,500 non-refundable application fee required for properties located in other other MSAs. Vacancy: The greater of current vacancy, market vacancy or 5% for residential income and the greater of current vacancy, market vacancy or 10% for commercial income. Minimum vacancy for 5-10 unit properties is 10%. Prepayment Fee: Yield Maintenance Additional lender underwriting guidelines will apply. Rates, fees and terms are subject to change without notice.
A-22	MGS340	3.60	N/A	5 and Up	Treasury	N/A	55/55	30/10	1.55:1	yield maintenance	310.265.4492
Guidelines Loan programs points and fees stated on this website are for CA DRE licensed Mortgage Brokers and Salesperson and not for the general public. Loan programs available nationwide, some restrictions may apply. Matrix pricing applies to loan sizes from $750,000 - $5,000,000 in the following MSA’s: Boston, Chicago, Los Angeles, Miami, New York, Orange County, San Diego, San Francisco, and Washington DC, Milwaukee, Minneapolis, New York, Philadelphia, Salt Lake City; add 10 bps to pricing for non-large MSA Add 10bps to the rate for loan amounts $750,000 to $2,999,999. Recourse: Non-recourse lending on all loans greater than $1.5 million and recourse on loans less than $1.5 million; certain exceptions apply to certain lending markets. Interest Only: May be available with additional cost in spread on 10-year term for inital two years for level 3 & 4 transactions, with 2 years maximum. Assumability: Yes, subject to lender approval and the payment of processing costs and a 1 percent assumption fee. Reserves: Tax and insurance escrows may be required. Replacement reserves: funding is required for certain loans. Rate Lock: Rate lock occurs after commitment is issued. Early rate lock option is also available. Due Diligence Fee: $4,500 upfront non-refundable application fee and $4,000 at closing for 3rd party reports and processing. $8,500 non-refundable application fee required for properties located in other other MSAs. Vacancy: The greater of current vacancy, market vacancy or 5% for residential income and the greater of current vacancy, market vacancy or 10% for commercial income. Minimum vacancy for 5-10 unit properties is 10%. Prepayment Fee: Yield Maintenance Additional lender underwriting guidelines will apply. Rates, fees and terms are subject to change without notice.
A-22	MGS341	3.76	N/A	5 and Up	Treasury	N/A	65/65	30/10	1.35:1	yield maintenance	310.265.4492
Guidelines Loan programs points and fees stated on this website are for CA DRE licensed Mortgage Brokers and Salesperson and not for the general public. Loan programs available nationwide, some restrictions may apply. Matrix pricing applies to loan sizes from $750,000 - $5,000,000 in the following MSA’s: Boston, Chicago, Los Angeles, Miami, New York, Orange County, San Diego, San Francisco, and Washington DC, Milwaukee, Minneapolis, New York, Philadelphia, Salt Lake City; add 10 bps to pricing for non-large MSA Add 10bps to the rate for loan amounts $750,000 to $2,999,999. Recourse: Non-recourse lending on all loans greater than $1.5 million and recourse on loans less than $1.5 million; certain exceptions apply to certain lending markets. Interest Only: May be available with additional cost in spread on 10-year term for inital two years for level 3 & 4 transactions, with 2 years maximum. Assumability: Yes, subject to lender approval and the payment of processing costs and a 1 percent assumption fee. Reserves: Tax and insurance escrows may be required. Replacement reserves: funding is required for certain loans. Rate Lock: Rate lock occurs after commitment is issued. Early rate lock option is also available. Due Diligence Fee: $4,500 upfront non-refundable application fee and $4,000 at closing for 3rd party reports and processing. $8,500 non-refundable application fee required for properties located in other other MSAs. Vacancy: The greater of current vacancy, market vacancy or 5% for residential income and the greater of current vacancy, market vacancy or 10% for commercial income. Minimum vacancy for 5-10 unit properties is 10%. Prepayment Fee: Yield Maintenance Additional lender underwriting guidelines will apply. Rates, fees and terms are subject to change without notice.
A-22	MGS342	3.82	N/A	5 and Up	Treasury	N/A	65/65	30/10	1.35:1	yield maintenance	310.265.4492
Guidelines Loan programs points and fees stated on this website are for CA DRE licensed Mortgage Brokers and Salesperson and not for the general public. Loan programs available nationwide, some restrictions may apply. Matrix pricing applies to loan sizes from $750,000 - $5,000,000 in the following MSA’s: Boston, Chicago, Los Angeles, Miami, New York, Orange County, San Diego, San Francisco, and Washington DC, Milwaukee, Minneapolis, New York, Philadelphia, Salt Lake City; add 10 bps to pricing for non-large MSA Add 10bps to the rate for loan amounts $750,000 to $2,999,999. Recourse: Non-recourse lending on all loans greater than $1.5 million and recourse on loans less than $1.5 million; certain exceptions apply to certain lending markets. Interest Only: May be available with additional cost in spread on 10-year term for inital two years for level 3 & 4 transactions, with 2 years maximum. Assumability: Yes, subject to lender approval and the payment of processing costs and a 1 percent assumption fee. Reserves: Tax and insurance escrows may be required. Replacement reserves: funding is required for certain loans. Rate Lock: Rate lock occurs after commitment is issued. Early rate lock option is also available. Due Diligence Fee: $4,500 upfront non-refundable application fee and $4,000 at closing for 3rd party reports and processing. $8,500 non-refundable application fee required for properties located in other other MSAs. Vacancy: The greater of current vacancy, market vacancy or 5% for residential income and the greater of current vacancy, market vacancy or 10% for commercial income. Minimum vacancy for 5-10 unit properties is 10%. Prepayment Fee: Yield Maintenance Additional lender underwriting guidelines will apply. Rates, fees and terms are subject to change without notice.
A-22	MGS343	4.11	N/A	5 and Up	Treasury	N/A	80/75	30/10	1.25:1	yield maintenance	310.265.4492
Guidelines Loan programs points and fees stated on this website are for CA DRE licensed Mortgage Brokers and Salesperson and not for the general public. Loan programs available nationwide, some restrictions may apply. Matrix pricing applies to loan sizes from $750,000 - $5,000,000 in the following MSA’s: Boston, Chicago, Los Angeles, Miami, New York, Orange County, San Diego, San Francisco, and Washington DC, Milwaukee, Minneapolis, New York, Philadelphia, Salt Lake City; add 10 bps to pricing for non-large MSA Add 10bps to the rate for loan amounts $750,000 to $2,999,999. Recourse: Non-recourse lending on all loans greater than $1.5 million and recourse on loans less than $1.5 million; certain exceptions apply to certain lending markets. Interest Only: May be available with additional cost in spread on 10-year term for inital two years for level 3 & 4 transactions, with 2 years maximum. Assumability: Yes, subject to lender approval and the payment of processing costs and a 1 percent assumption fee. Reserves: Tax and insurance escrows may be required. Replacement reserves: funding is required for certain loans. Rate Lock: Rate lock occurs after commitment is issued. Early rate lock option is also available. Due Diligence Fee: $4,500 upfront non-refundable application fee and $4,000 at closing for 3rd party reports and processing. $8,500 non-refundable application fee required for properties located in other other MSAs. Vacancy: The greater of current vacancy, market vacancy or 5% for residential income and the greater of current vacancy, market vacancy or 10% for commercial income. Minimum vacancy for 5-10 unit properties is 10%. Prepayment Fee: Yield Maintenance Additional lender underwriting guidelines will apply. Rates, fees and terms are subject to change without notice.
A-22	MGS344	4.23	N/A	5 and Up	Treasury	N/A	80/75	30/10	1.25:1	yield maintenance	310.265.4492
Guidelines Loan programs points and fees stated on this website are for CA DRE licensed Mortgage Brokers and Salesperson and not for the general public. Loan programs available nationwide, some restrictions may apply. Matrix pricing applies to loan sizes from $750,000 - $5,000,000 in the following MSA’s: Boston, Chicago, Los Angeles, Miami, New York, Orange County, San Diego, San Francisco, and Washington DC, Milwaukee, Minneapolis, New York, Philadelphia, Salt Lake City; add 10 bps to pricing for non-large MSA Add 10bps to the rate for loan amounts $750,000 to $2,999,999. Recourse: Non-recourse lending on all loans greater than $1.5 million and recourse on loans less than $1.5 million; certain exceptions apply to certain lending markets. Interest Only: May be available with additional cost in spread on 10-year term for inital two years for level 3 & 4 transactions, with 2 years maximum. Assumability: Yes, subject to lender approval and the payment of processing costs and a 1 percent assumption fee. Reserves: Tax and insurance escrows may be required. Replacement reserves: funding is required for certain loans. Rate Lock: Rate lock occurs after commitment is issued. Early rate lock option is also available. Due Diligence Fee: $4,500 upfront non-refundable application fee and $4,000 at closing for 3rd party reports and processing. $8,500 non-refundable application fee required for properties located in other other MSAs. Vacancy: The greater of current vacancy, market vacancy or 5% for residential income and the greater of current vacancy, market vacancy or 10% for commercial income. Minimum vacancy for 5-10 unit properties is 10%. Prepayment Fee: Yield Maintenance Additional lender underwriting guidelines will apply. Rates, fees and terms are subject to change without notice.
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No Tax Returns - No Appraisal Cost - 5-Yeart Fixed/Libor ARM
Program	Key	Start Rate	Margin	Units	Index	Ceiling	Max LTV	Amort / Term	Min DCR	Pre-Pay	Loan Fee
MC-5	MCG-5494	Priced Daily Call	2.250	5 & Up	6 Month Libor	9.500 & Up	65	30/30	1.15:1	5%,4%,3%,2%,1%,0%	310.265.4492
Guidelines Preliminary documentation - 3 years historical operating statements; YTD 2012 Income and Expense Statement, Current Tenant Rent (form provided), 1003, Schedule of Real Estate and Credit Authorization. Pricing Adjustments: Are based on area/quality (A and B and C and D) Minimum DSCR 1.15:1 Max LTV for stated pricing is 65%; higher rate required up to 75% LTV. No Tax Returns - Copies of Tax Returns are typically not required. No Appraisal Cost, Lender absorb's the property valuation costs. No Title Insurance Fees - Refinances only, Lender must select the title company and escrow comapny. Offer does not include special endorsements. No Escrow Fees - Refinances only, Lender must select Escrow Company and open Escrow. 90-Day Forward Rate Locks Available after issuance of LOI/Application. Rate must be locked in prior to loan documents being issued, 1% rate lock fee applies. Lender's Application Fee is credited back at closing per Lender's requirements. Life Cap is 5% over Start Rate or 10.50% the greater of. Subject Property location and grade must meet lender's acceptance prior to issuance of application for Tier 1 pricing. Tier 1 pricing only available for acceptable properties with loan requests of $1MM or greater. Standard Recourse required, non-recourse may be available for an additional 0.15% add to initial interest rate. Lender reserves the right to issue non-recourse. San Bernardino, Riverside Counties and Central Valley loan inquiries are considered on a case by case basis. Prepayment Fees: 3-year fixed/Libor ARM, 3%,2%,1%,0%; 5-year fixed/Libor ARM, 5%,4%,3%,2%,1% and 7-year fixed/Libor ARM Yield Maintenance or a Step Down Prepayment Fee. Loan inquiries under $1MM available, call 310.265.4492 for preliminary quote. Rates, fees and terms are subject to change without notice. Call 310.265.4492 for daily rates and loan fees.
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15 Year Fixed - Bank Portfolio
Program	Key	Start Rate	Margin	Units	Index	Ceiling	Max LTV	Amort / Term	Min DCR	Pre-Pay	Loan Fee
MCG-C15	MCG-C501	5.125	N/A	5 & Up	N/A	N/A	70	15/15	1.10:1	5-5-4-4-3-3-2-2-1-1%	Call
Guidelines Rates stated for A & B Investor Grade Properties in designated MSA areas. Will consider C investor grade properties, priced according to risk. All loans are considered Credit Dependant, meaning sponsorship credit strengths, character and real estate experience will be reviewed. Recourse/Guarantees are usually required unless loan to value is <=50% LTV. For Loan Amount Request of $1MM to $7.5MM
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* Rates, fees and terms are subject to change without notice.