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[null,null,null,null,null,null,null,"LoanStream Mortgage",null,null,null,null,null,null,"Wholesale Ratesheet",null,null,null,null,null,null,null,null,null,null,null,"V1.0",null,null,"Pop Ups",null,null,null,"Disqualifiers",null,null,null,null,null,null,null,"Occupancy"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"No Ratio above 60% warning",{"$f":"IF(AND(OR(U10=Feed!B5:B10),U12=\"No Ratio (0.75-0.99)\"),TRUE,FALSE)","v":false},null,null," Foreign National",{"$f":"IF(AND(U15=Feed!P7,OR(U11=Feed!A6:A10)),NA(),\"\")","v":""},"FN minimum 700 Fico rule",null,null,null,null,null,{"$f":"IF(AND(U18=Feed!J3,U19=Feed!L3,OR(U10=Feed!B9:B10),U12=Feed!C4),TRUE(),FALSE)","v":false},"80.01 - 90%/ A+/ Purch/ Primary"]
[null,null,null,null,null,null,null,"19000 MacArthur Blvd, Suite 200",null,null,null,null,null,null,"30 Day Lock Period",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ITIN",{"$f":"IF(AND(U15=Feed!P6,OR(U11=Feed!A6:A10)),NA(),\"\")","v":""},"ITIN minimum 700 Fico rule",null,null,null,null,null,{"$f":"IF(AND(U10=Feed!B9,U12=Feed!C5,OR(U11=Feed!A3:A4),U18=Feed!J3),TRUE,FALSE)","v":false},"80.01-85% / \"A\" Grade / 720 FICO / Purch"]
[null,null,null,null,null,null,null,"Irvine, CA 92612",null,null,null,null,null,"Borrower Paid Compensation",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," Foreign National",{"$f":"IF(AND(U15=Feed!P7,OR(U17=Feed!G7:G8)),NA(),\"\")","v":""},"FN 0-2 mil loan amount max",null,null,null,null,null,{"$f":"OR(U10=Feed!B3:B8)","v":false},"<80% LTV's"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Effective Date:",null,"2022-08-29",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ITIN",{"$f":"IF(AND(U15=Feed!P6,OR(U17=Feed!G6:G8)),NA(),\"\")","v":""},"ITIN 0-1.5 mil loan amount max",null,null,null,null,null,{"$f":"IF(AND(U10=Feed!B9,U13=Feed!D5,U12=Feed!C9,U11=Feed!A3,U18=Feed!J3),TRUE,FALSE)","v":false},"80.01-85% / DSCR / >=1.00 Grade / Purch"]
[null,"NanQ \"ONE\" Program",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PriceOne Calculator",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total",{"$f":"SUM(AI2:AI5)","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Inputs","Wholesale Ratesheet",null,null,null,null,"Full Doc Column Includes"]
[null,"Base Rate / Base Price",null,null,null,null,"FICO/LTV Price Adjustments",null,null,null,null,null,null,null,null,null,null,null," Interest Rate →",null,0,null,null,null,null,null,"Tax Returns"]
[null,"Rate","Full Doc","Alt Doc","DSCR",null,null,null,"<=50","50.01-60","60.01-65","65.01-70","70.01-75","75.01-80","80.01-85","85.01-90","90.01-95",null,"LTV Range",null,"Choose a Selection",null,null,null,null,null,"1099 Only"]
[null,6.125,99.5,99.5,{"$error":"#N/A"},null,"740+",null,0,-0.25,-0.5,-0.75,-1.25,-1.75,-4.75,-5.75,{"$error":"#N/A"},null,"FICO Range",null,"Choose a Selection",{"$f":"IF(U11=\"Choose Selection\",0,(IF((ISERROR((IF(U15=\"Foreign Nat' With Fico\",0,(INDEX(I11:Q19,MATCH(U11,G11:G19,0),MATCH(U10,I10:Q10)))))))=TRUE,NA(),(INDEX(I11:Q19,MATCH(U11,G11:G19,0),MATCH(U10,I10:Q10))))))","v":{"$error":"#N/A"}},null,null,null,null,"Asset Utilization Only"]
[null,6.25,100,100,{"$error":"#N/A"},null,"720-739",null,-0.25,-0.5,-0.75,-1.25,-1.75,-2.25,-5.25,-6.25,{"$error":"#N/A"},null,"Grade",null,"Choose a Selection",{"$f":"IF(U12=\"Choose a Selection\",0,(INDEX(M22:M29,MATCH(U12,K22:K29,0))))","v":0},null,null,null,null,"Asset Utilization W/ Full Doc"]
[null,6.375,100.5,100.5,{"$error":"#N/A"},null,"700-719",null,-0.5,-1,-1.5,-2,-2.5,-3,-5.75,-6.75,{"$error":"#N/A"},null,"Doc Type",null,"Choose a Selection"]
[null,6.5,100.75,100.75,99.75,null,"680-699",null,-0.75,-1.5,-2.25,-2.75,-3.25,-3.75,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"Additional Adjs",null,"Choose a Selection",{"$f":"IF(AND(OR(U10=Feed!B9:B10),OR(U14=Feed!E4:E6)),NA(),IF((AND((IF(U10=\"85.01-90\",1,0))=1,(IF(U13=\"DSCR\",1,0))=1))=TRUE,NA(),(IF(OR((AND(OR(U11=Feed!$A$5:$A$10),IF(U10=\"80.01-85\",1,0),IF(U13=\"DSCR\",1,0)))=TRUE,(AND(OR(U11=Feed!A3:A10),IF(U10=\"80.01-85\",1,0),IF(U13=\"DSCR\",1,0),OR(U18=Feed!J4:J9))=TRUE)),NA(),IF(U14=\"Choose a Selection\",0,(IF(U14=\"None in this Dropdown\",0,IF(U14=\"12 Month Full / Alt Doc\",0,INDEX(I$23:I$51,MATCH(U14,G$23:G$51,0))))))))))","v":0}]
[null,6.625,101,101,100.25,null,"660-679",null,-1.25,-2,-2.75,-3.25,-3.75,-4.25,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"Citizenships",null,"Choose a Selection",{"$f":"(IF(U15=\"US Citizen\",0,(IF(U15=\"Permanent Resident\",0,(IF(U15=\"Non Perm Resident\",0,(IF(U15=\"ITIN\",VLOOKUP(U15,G23:I51,3,0),(IF(U15=\"Foreign Nat' No Fico\",INDEX(I11:Q19,MATCH(U15,G11:G19,0),MATCH(U10,I10:Q10)),IF(U15=\"Foreign Nat' With Fico\",IF(U15=\"Foreign Nat' With Fico\",INDEX(G23:I51,(MATCH(U15,G23:G51,0)),3)),NA())))))))))))","v":{"$error":"#N/A"}},null,null,null,null,"Alt Doc Column Includes"]
[null,6.75,101.25,101.25,100.75,null,"640-659",null,-2,-2.75,-3.5,-4,-4.75,-5.5,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"DTI",null,"Choose a Selection",{"$f":"IF(U16=\"DTI ≥50% - All Doc Types\",IF((AND(IF(U16=\"DTI ≥50% - All Doc Types\",1,0),(IF(U18=\"Purchase\",1,0)),(IF(U19=\"Primary\",1,0)),(IF(OR(U10=Feed!B3:B8),1,0)),(IF(OR(U11=Feed!A3:A7),1,0)),(IF(U12=\"A+\",1,0)))),IF(U16=\"Choose a Selection\",0,(IF(U16=\"DTI <50% - All Doc Types\",0,IF(U16=\"No DTI Program\",0,INDEX(I$23:I$51,MATCH(U16,G$23:G$51,0)))))),NA()), IF((AND(IF(U16=\"DTI ≥50% - All Doc Types\",1,0),(IF(U18<>\"Purchase\",1,0)))),NA(),IF(U16=\"Choose a Selection\",0,(IF(U16=\"DTI <50% - All Doc Types\",0,IF(U16=\"No DTI Program\",0,INDEX(I$23:I$51,MATCH(U16,G$23:G$51,0))))))))","v":0},"Please reach out to the Lock Desk to Price Loans >5MM",{"$f":"W35","v":0},null,null,"12 Bank Statements"]
[null,6.875,101.5,101.5,101,null,"620-639",null,-2.5,-3.25,-4,-4.75,-5.5,-6.25,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"Loan Balance",null,"Choose a Selection",{"$f":"IF(U17=\"Choose a Selection\",0,((IF(U17=\"$5,000,001-$7,500,000\",\"Call Lock Desk\",IF(U17=\"$7,500,001-$10,000,000\",\"Call Lock Desk\",INDEX(I$23:I$51,MATCH(U17,G$23:G$51,0)))))))","v":0},"No Ratio 0.75 - 0.99 (Review Matrix for LTV Qualification) ",null,null,null,"12 or 24 CPA P&L"]
[null,7,101.75,101.75,101.25,null,"600-619",null,-3,-3.75,-4.5,-5.25,-6.25,-7.25,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"Purpose",null,"Choose a Selection",{"$f":"IF(AND(OR(U18=Feed!J5:J9),U10=\"85.01-90\"),NA(),IF(ISERROR(IF(OR(U18=\"Purchase\",U18=\"Rate/Term Refi\"),0,INDEX(I$23:I$51,MATCH(U18,G$23:G$51,0)))),0,INDEX(I$23:I$51,MATCH(U18,G$23:G$51,0))))","v":0},"Cashout must be for business purpose only",null,null,null,"Asset Utlization W/ Bank Stmt"]
[null,7.125,102,102,101.5,null,"Foreign Nat' No Fico",null,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"Occupancy",null,"Choose a Selection",{"$f":"IF(OR(AP2:AP5=TRUE),IF(U19=\"Choose a Selection\",0,(IF(OR(U19=\"Primary\"),0,IF(OR(U19=\"Non-Owner (Alt Doc/DSCR)\"),0,INDEX(I$23:I$51,MATCH(U19,G$23:G$51,0)))))),NA())","v":{"$error":"#N/A"}},null,null,null,null,{"$f":"IF(OR(U10=Feed!B3:B8),IF(U19=\"Choose a Selection\",0,(IF(OR(U19=\"Primary\"),0,IF(OR(U19=\"Non-Owner (Alt Doc/DSCR)\"),0,INDEX(I$23:I$51,MATCH(U19,G$23:G$51,0)))))),IF(AND(U18=Feed!J3,'NanQ ONE Program'!U19=Feed!L3,OR(U10=Feed!B9:B10)),IF(U19=\"Choose a Selection\",0,(IF(OR(U19=\"Primary\"),0,IF(OR(U19=\"Non-Owner (Alt Doc/DSCR)\"),0,INDEX(I$23:I$51,MATCH(U19,G$23:G$51,0)))))),NA()))","v":{"$error":"#N/A"}}]
[null,7.25,102.25,102.25,101.75,null,null,null,null,null,null,null,null,null,null,null,null,null,"Property Type",null,"Choose a Selection",{"$f":"IF(AND(OR(U10=Feed!B8:B10),OR(U20=Feed!K7)),NA(),IF(U17=\"Choose a Selection\",0,(IF(OR(U20=\"SFR\",U20=\"1-2 Units\",U20=\"PUD\",U20=\"Condo\"),0,INDEX(I$23:I$51,MATCH(U20,G$23:G$51,0))))))","v":0}]
[null,7.375,102.5,102.5,102,null,"Loan Level Price Adjustments",null,null,null,"Grades",null,null,null,"Loan Term",null,null,null,"Loan Term",null,"30YR Fixed",{"$f":"IF(AND(U10=Feed!B10,OR(U21=Feed!M5:M6,U21=Feed!M9,U21=Feed!M12)),NA(),INDEX(Q22:Q32,MATCH(U21,O22:O32,0)))","v":0},null,null,null,null,"DSCR/No Ratio Column Includes"]
[null,7.5,102.75,102.75,102.25,null,null,null,"LLPA",null,"Select - Standard",null,0.75,null,"15YR Fixed",null,0.25,null,"Escrow",null,"Escrow Not Waived",{"$f":"IF(U22=\"Escrow Not Waived\",0,INDEX(I$23:I$51,MATCH(U22,G$23:G$51,0)))","v":0},"Impounds Required On HPML Loans, Ask Your AM",null,null,null,"DSCR"]
[null,7.625,103,103,102.5,null,"DTI ≥50% - All Doc Types",null,-0.5,null,"A+",null,0.25,null,"30YR Fixed",null,0,null,"Prepayment Penalty",null,"No PPP *See PPP Section*",{"$f":"IF(OR(U19=\"Primary\",U19=\"Second Home\"),0,INDEX(I$23:I$51,MATCH(U23,G$23:G$51,0)))","v":-1.5},"Due to state statutes, LSM does not allow ARM loans in New Mexico",null,null,null,"No Ratio"]
[null,7.75,103.25,103.25,102.75,null,"Full Doc - Non-Owner",null,-0.5,null,"A",null,-1.25,null,"30YR IO Fixed",null,-0.5,null,"State",null,"All Other States",0]
[null,7.875,103.5,103.5,103,null,"ITIN",null,-1.5,null,"B",null,-2,null,"40YR Fixed",null,-0.5,null,"Lock Term",null,"30 Day",{"$f":"INDEX(M32:M33,MATCH(U25,K32:K33,0))","v":0}]
[null,8,103.75,103.75,103.25,null,"VOE Only",null,-0.75,null,"C",null,-2,null,"40YR IO Fixed",null,-0.75,null,"Purchase Special",null,"Choose a Selection",{"$f":"Feed!S2","v":0},"UW Fee Buyout Calculator"]
[null,8.125,104,104,103.5,null,"1099 Only",null,-0.75,null,"Select - DSCR",null,0.5,null,"5/6 30YR ARM",null,0,null,"Appraisal In?",null,"Choose a Selection",{"$f":"AI6","v":0},"Loan Amount →",null,0,null,null,null,null,"Loan Amount rule",{"$f":"IF(V17<5,0,1)","v":0}]
[null,8.25,104.25,104.25,103.75,null,"Asset Utilization",null,-0.75,null,"DSCR (≥1.00)",null,0,null,"5/6 30YR IO ARM",null,-0.5,null,"  Total LLPA",null,null,{"$f":"SUM(V11:V27)","v":{"$error":"#N/A"}},{"$f":"IFERROR(1995/Y27*100,\"Input a Loan Amount\")","v":"Input a Loan Amount"},null,null,null,null,null,null,"Impounds rule",{"$f":"IF(NOT(U22=\"Escrow Waived\"),0,1)","v":0}]
[null,8.375,104.5,104.5,104,null,"Debt Consol. >70% LTV",null,-0.75,null,"No Ratio (0.75-0.99)",null,-1.5,null,"5/6 40YR ARM",null,-0.5,null,"  Gross Rate Sheet Price (Prior to LLPAs)",null,null,{"$f":"INDEX(B11:E55,MATCH(U9,B11:B55,0),MATCH(U13,C10:E10,0)+1)","v":{"$error":"#N/A"}},null,null,null,null,"*** Extension Cost",null,null,"Texas rule",{"$f":"IF(NOT(U24=\"Texas\"),0,1)","v":0}]
[null,8.5,104.75,104.75,104.25,null,"Debt Consol. ≤ 70% LTV",null,-0.25,null,null,null,null,null,"7/6 30YR ARM",null,0,null,{"$f":"((IF(V34=\"Price Too Low\",\"Minimum Price Not Met\"&\" \"&\"SELECT A HIGHER RATE\",\"Min Price\")))","v":"Min Price"},null,null,{"$f":"IF(U9>0,#REF!,#REF!)","v":{"$error":"#REF!"}},null,null,null,null,null,null,null,"15 Day Rule",{"$f":"IF(U25=\"15 Day\",0,1)","v":1}]
[null,8.625,105,105,104.5,null,"Cash-Out >70% LTV",null,-0.75,null,"Lock Days",null,null,null,"7/6 30YR IO ARM",null,-0.5,null,"  Max YSP",null,null,{"$f":"Feed!E65","v":0},{"$f":"CONCATENATE(S31,\" \",\"is\",\" \", V31)","v":"  Max YSP is 0"},null,null,null,{"$f":"+G53","v":"Temporary Guidance See Below\nExtension Cost\n\n15 Days Max Extensions per schedule below, above 15 days contact the Lock Desk for exception\n\nRates <= 6.75% @ 10 bps / day\nRates  6.76% - 6.999% @ 7 bps /day\nRates >= 7.0% @ 2 bps / day"},null,null,"Cashout/PPP Rule",{"$f":"IF(AND(U18=\"Cash-out\",U23<>\"No Prepay\",U19<>\"primary\"),0,1)","v":1}]
[null,8.75,105.25,105.25,104.75,null,"Cash-Out ≤ 70% LTV",null,-0.25,null,"15 Day",null,0,null,"7/6 40YR ARM",null,-0.5,null,"  Net Price: Rate Sheet - LLPA (Prior to Min/Max YSP)",null,null,{"$f":"IFERROR(V29+V28,\"Minimum Rate\")","v":"Minimum Rate"}]
[null,8.875,105.5,105.5,105,null,"3-4 Units",null,-0.5,null,"30 Day",null,0,null,null,null,null,null,"Buydown Adjustment",null,null,{"$f":"IF(Feed!C173>0,0,Feed!C173)","v":0}]
[null,9,105.75,105.75,105.25,null,"Second Home",null,-0.75,null,null,null,null,null,"Max Price",null,null,null,"Final Price  →",null,null,{"$f":"IFERROR(IF(V32>V31,IF((V32+V33)<V31,V32+V33,V31),V32+V33),\"Final Price\")","v":"Final Price"},{"$f":"CONCATENATE(Feed!B177,\" \",Feed!D177,\"%\"&\" @ \"&Feed!E177)","v":"Near Par Rate - BPC 0% @ 0"}]
[null,9.125,106,106,105.5,null,"No PPP \"See PPP Section\"",null,-1.5,null,"Minimum Rates by Doc Type",null,null,null,"Owner Occ/Sec Home",null,100,null,"Final Price with UW Fee Buyout  →",null,null,{"$f":"IF(Y27=0,\"Missing TLA\",V34-W28)","v":"Missing TLA"}]
[null,9.25,106.25,106.25,105.75,null,"6 Months PPP",null,-1.5,null,"Full Doc","Alt Doc","DSCR",null,"Loans W/ No PPP",null,99,null,"  Lender Paid Comp Plan Amount (LPC)"]
[null,9.375,106.5,106.5,106,null,"12 Months PPP",null,-1,null,6.1249999999999999E-2,6.1249999999999999E-2,6.5000000000000002E-2,null,"Loans W/ 6 Month PPP",null,99,null,"  Net Rate Sheet Price as Lender Paid (LPC)",null,null,{"$f":"IF(V36<0.001,\"LPC Not Avail\",IFERROR(V34-V36,\"LPC Blank\"))","v":"LPC Not Avail"}]
[null,9.5,106.75,106.75,106.25,null,"24 Months PPP",null,-0.5,null,"≥$4,000,000",null,{"$error":"#N/A"},null,"Loans W/ 1YR PPP",null,100,null,"  Net Rate Sheet Price - LPC W/ UW Fee Buyout",null,null,{"$f":"IFERROR(IF(Y27=0,\"Missing TLA\",V37-W28),\"LPC Not Valid\")","v":"Missing TLA"}]
[null,null,null,null,null,null,"36 Months PPP",null,0,null,null,null,null,null,"Loans W/ 2YR PPP",null,100,null,"Loan Number",null,null,"Borrower Name"]
[null,"1. Non-QM Purchase Special\n- For Non-QM purchase loans submitted 8/1/2022 – 8/31/2022\n- 25 basis points off price\n- All credit grades eligible except Select credit grade.\n- LTV <= 80% \n- Minimum loan amount $250,000.\n- Loans must be approved and locked by August 31th \n- Cannot be combined with DSCR Special. \n *Select dropdown on pricer to apply*\n \n2. DSCR Special\n- For DSCR purchase and refinance loans submitted 8/1/2022 – 8/31/2022\n- New loans must be submitted with valid appraisal.\n- 25 basis points of price.\n- All credit grades eligible except Select credit grade.\n- Loans must be approved and locked by Wednesday, August 31st.\n- Cannot be combined with Non-QM Purchase Special\n*Select dropdown on pricer to apply*",null,null,null,null,"48 Months PPP",null,0.25,null,"NOTE: Costs that will go below the minimum published price, will need to be reflected in a higher rate.",null,null,null,"Loans W/ 3YR PPP",null,100]
[null,null,null,null,null,null,"60 Months PPP",null,0.5,null,null,null,null,null,"Loans W/ 4YR PPP",null,100,null,null,null,null,null,null,null,null,"Comp?"]
[null,null,null,null,null,null,"Escrow Waived",null,-0.25,null,null,null,null,null,"Loans W/ 5YR PPP",null,100]
[null,null,null,null,null,null,"NW Condo",null,-1,null,null,null,null,null,">$3,000,000",null,99]
[null,null,null,null,null,null,"<$150,000",null,-1,null,null,null,null,null,"80.01-90.00% LTV",null,99]
[null,null,null,null,null,null,"$150,000-$1,000,000",null,0,null,"Loan Term","Caps","Floor",null,"ITIN/Foreign National",null,99,null,"\n'*6 months interest on 80% of the original principal balance \nMinimum 6 Months Prepay required except in the following states \nNot allowed in DE, IL1, MD, MI, MN, ND, NJ1, NM, OH, PA, RI\n1Prepay allowed for loans closed in the name of \na Corporation or LLC in IL, and NJ\n*PPP is only Allowed on the following\nNon-TRID Loans -  Investment\nNon-TRID Loans - DSCR\nNo PPP price option only allowed where prohibited by State\n\n“IL ~ no prepayment penalty may be applied on loans where APR exceeds 8%”"]
[null,null,null,null,null,null,">$1,000,000",null,0,null,"5/6 ARM","2/1/5","=Rate"]
[null,null,null,null,null,null,">$1,500,000",null,-0.25,null,"7/6 ARM","5/1/5",null,null,"ARM Margins"]
[null,null,null,null,null,null,">$2,000,000",null,-0.75,null,"Index","6mo SOFR",null,null,"Occupancy",null,"Margin"]
[null,null,null,null,null,null,">$3,000,000",null,-1.5,null,"Reset Frequency",null,"6 Mo",null,"Primary Home",null,4]
[null,null,null,null,null,null,"Foreign Nat' With Fico",null,-1.5,null,null,null,null,null,"Second Home",null,4]
[null,null,null,null,null,null,"Purchase",null,0,null,null,null,null,null,"Investment Home",null,4]
[]
[null,null,null,null,null,null,"Temporary Guidance See Below\nExtension Cost\n\n15 Days Max Extensions per schedule below, above 15 days contact the Lock Desk for exception\n\nRates <= 6.75% @ 10 bps / day\nRates  6.76% - 6.999% @ 7 bps /day\nRates >= 7.0% @ 2 bps / day",null,null,null,null,null,null,null,"Minimum Price"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"*Contact Lock Desk For BuyDowns"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"BuyDowns 3:1"]
[]
[null,null,null,null,null,null,null,null,null,null,"Specialty Products"]
[null,null,null,null,null,null,null,null,null,null,"LoanStream will not accept more than 25% of NonQM loan submissions that consist of ITIN, Foreign National or LTVs over 80% .  LoanStream reserves the right to decline submissions if clients do not adhere to this restriction. \n\nExample: For every 4 loans, 1 can be ITIN, Foreign National or >80% LTV, the other 3 must be NonQM non-ITIN, non-Foreign National or <80% LTV.\n\nAll ITIN and Foreign National loans must fund by 9/30/22."]

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["FICO","LTV","Grades","Doc Type","Additional Adjs","DTI","Loan Amount","Prepayment Penalties","Escrow Waiver","Purpose","Property Type","Occupancy","Term","Lock Period","Comp Type","Citizenships","Foreign National","Specials",null,null,null,null,"Message"]
["Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection",{"$f":"IF('NanQ ONE Program'!U26=Feed!R4,Feed!S3,IF(AND(OR('NanQ ONE Program'!U10=B3:B8), OR('NanQ ONE Program'!U12=C4:C7,'NanQ ONE Program'!U12=C9,'NanQ ONE Program'!U12=C10),'NanQ ONE Program'!U18=J3,'NanQ ONE Program'!U26=R3),0.25,0))","v":0},null,"State","Availability","No Penalty","12 Months","24 Months","36 Months","48 Months","60 Months",null,"Compensation Type",null,"Inactive Terms"]
["740+","<=50","Select - Standard","Full Doc","None in this Dropdown","DTI <50% - All Doc Types","<$150,000","No PPP *See PPP Section*","Escrow Not Waived","Purchase","SFR","Primary","15YR Fixed","15 Day","Borrower Paid","US Citizen","Not Applicable1","Non-QM Purchase Special",0.25,null,"Choose a Selection","Y"," ","Choose a Selection"," "," "," "," "," ","Borrower Paid",null,"5/6 30YR ARM"]
["720-739","50.01-60","A+","Alt Doc","Asset Utilization","DTI ≥50% - All Doc Types","$150,000-$1,000,000","6 Months PPP","Escrow Waived","Refinances","1-2 Units","Second Home","30YR Fixed","30 Day",null,"Permanent Resident","Not Applicable2","DSCR Special",null,null,"Illinois","Y"," ","Loans Must Close in the name of a Corp or LLC to allow PPP otherwise Buyout the PPP","Loans Must Close in the name of a Corp or LLC","Loans Must Close in the name of a Corp or LLC","Loans Must Close in the name of a Corp or LLC","Loans Must Close in the name of a Corp or LLC"," ","Lender Paid",null,"5/6 30YR IO ARM"]
["700-719","60.01-65","A","DSCR","1099 Only","No DTI Program",">$1,000,000","12 Months PPP",null,"Debt Consol. ≤ 70% LTV","3-4 Units","Full Doc - Non-Owner","30YR IO Fixed","45 Day",null,"Non Perm Resident","Not Applicable3","None",null,null,"Maryland","Y"," ","PPP Not Allowed","PPP Not Allowed","PPP Not Allowed","PPP Not Allowed","PPP Not Allowed"," ",null,null,"5/6 40YR ARM"]
["680-699","65.01-70","B",null,"VOE Only",null,">$1,500,000","24 Months PPP",null,"Debt Consol. >70% LTV","Condo","Non-Owner (Alt Doc/DSCR)","40YR IO Fixed","60 Day",null,"ITIN",null,null,null,null,"Michigan","Y"," ","PPP Not Allowed","PPP Not Allowed","PPP Not Allowed","PPP Not Allowed","PPP Not Allowed"," ","Channel",null,"7/6 30YR ARM"]
["660-679","70.01-75","C",null,null,null,">$2,000,000","36 Months PPP",null,"Cash-Out ≤ 70% LTV","NW Condo",null,"40YR Fixed","75 Day",null,"Foreign Nat' With Fico",null,null,null,null,"Minnesota","Y"," ","PPP Not Allowed","PPP Not Allowed","PPP Not Allowed","PPP Not Allowed","PPP Not Allowed"," ","W",null,"7/6 30YR IO ARM"]
["640-659","75.01-80","Select - DSCR",null,null,null,">$3,000,000","48 Months PPP",null,"Cash-Out >70% LTV","PUD",null,"5/6 30YR ARM",null,null,null,null,null,null,null,"North Dakota","Y"," ","PPP Not Allowed","PPP Not Allowed","PPP Not Allowed","PPP Not Allowed","PPP Not Allowed"," ",null,null,"7/6 40YR ARM"]
["620-639","80.01-85","DSCR (≥1.00)",null,null,null,null,"60 Months PPP",null,"Cash-Out >70% LTV",null,null,"5/6 30YR IO ARM",null,null,null,null,null,null,null,"New Jersey","Y"," ","Loans Must Close in the name of a Corp or LLC to allow PPP otherwise Buyout the PPP","Loans Must Close in the name of a Corp or LLC","Loans Must Close in the name of a Corp or LLC","Loans Must Close in the name of a Corp or LLC","Loans Must Close in the name of a Corp or LLC"," ","Pricing Special"]
["600-619","85.01-90","No Ratio (0.75-0.99)",null,null,null,null,null,null,null,null,null,"5/6 40YR ARM",null,null,null,null,null,null,null,"New Mexico","Y"," ","PPP Not Allowed","PPP Not Allowed","PPP Not Allowed","PPP Not Allowed","PPP Not Allowed"," ","Eligible"]
[null,null,null,null,null,null,null,null,null,null,null,null,"7/6 30YR ARM",null,null,null,null,null,null,null,"Pennsylvania","Y"," ","PPP Not Allowed","PPP Not Allowed","PPP Not Allowed","PPP Not Allowed","PPP Not Allowed",null,"Not Eligible"]
[null,null,null,null,null,null,null,null,null,null,null,null,"7/6 30YR IO ARM",null,null,null,null,null,null,null,"Texas","Y",null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,"7/6 40YR ARM",null,null,null,null,null,null,null,"All Other States","Y"," ","PPP Allowed on Investment properties, State rules applies","PPP Allowed on Investment properties, State rules applies","PPP Allowed on Investment properties, State rules applies","PPP Allowed on Investment properties, State rules applies","PPP Allowed on Investment properties, State rules applies"," "]
[null,null,null,null,null,null,">$4,000,000"]
["Foreign Nat' No Fico",null,null,null,"DSCR 80.01-85% LTV"]
[]
[]
[]
[]
[]
[]
[null,"Rules",null,null,null,null,null,null,null,null,null,null,null,null,null,"Foreign Nat' With Fico",null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,"No Prepay",0,null,null,null,null,null,null,null,null,null,"Foreign Nat' No Fico  ",null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,"Prepay Cond. Format",{"$f":"IF(OR('NanQ ONE Program'!U19=\"Primary\",'NanQ ONE Program'!U19=\"Second Home\"),1,0)","v":0},null,"6 Months PPP",1,null,null,null,null,null,null,null,null,null,"Foreign Nat' No Fico  ",null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,{"$f":"IF('NanQ ONE Program'!V36>0,0,1)","v":1},null,"12 Months PPP",1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,{"$f":"IF('NanQ ONE Program'!V42:V42=\"Borrower Paid\",0,1)","v":1},null,"24 Months PPP",1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,"State Format",{"$f":"IF(OR('NanQ ONE Program'!U19=\"Non-Owner (N/A DSCR)\",'NanQ ONE Program'!U19=\"Non-Owner (DSCR/No Ratio)\"),1,0)","v":0},null,"36 Months PPP",1,null,null,"NonQM Program'",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,"Primary",0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,"Second Home",0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,"Non-Owner",1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"≥",null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,"Max YSP OO",null,null,null,null,null,null,null,null,"≤",null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,"<$150,000",150000,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,"$150,000-$1,000,000",750000]
[null,null,null,null,">$1,000,000",1250000,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,">$1,500,000",1750000,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,">$2,000,000",2500000,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,">$3,000,000",3500000,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,"Max YSP","Loan Balance - Owner Occ/Second",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,"≤$2m","2m - 3m",">3m",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,"YSP",100,100,100,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,"Max YSP","Loan Balance - Investment",null,null,null,null,null,null,"LTV Max Price",null,"LTV MAX Price Table",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,"PPP Mo","<$150,000","$150,000-$1,000,000",">$1,000,000",">$1,500,000",">$2,000,000",">$3,000,000",null,"80.01-90.00% LTV",99,{"$f":"IF(AND(OR('NanQ ONE Program'!U10=B9:B10)),K48,IF(OR(B67=\"Primary\",B67=\"Second Home\"),E63,IF(OR(B67=L5,B67=L6),E64,\"ERROR\")))","v":"ERROR"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,"60 Months PPP",100,100,100,100,100,99,null,"ITIN/Foreign National",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,"48 Months PPP",100,100,100,100,100,99,null,"ITIN/Foreign National",99,{"$f":"IF(OR('NanQ ONE Program'!U15=P6:P7),K50,L48)","v":"ERROR"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,"36 Months PPP",100,100,100,100,100,99,null,null,null,{"$f":"SUM(L50)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,"24 Months PPP",100,100,100,100,100,99,null,"Non-Owner (Alt Doc/DSCR)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,"12 Months PPP",100,100,100,100,100,99,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,"6 Months PPP",99,99,99,99,99,99,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,"No PPP \"See PPP Section\"",99,99,99,99,99,99,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,"Use this table to Feed Max Price for OO and 2nd Home ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,"Primary & Second Home Max Price Table ",null,null,null,null,null,null,null,"Max Price",null,null,null,"Max Price",null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,0,2000000.01,{"$f":"+$L$60","v":100},{"$f":"IF(AND($C$66>B60,$C$66<C60),D60,0)","v":{"$error":"#N/A"}},null,null,null,null,"Owner Occ/Sec Home",null,100,null,"Owner Occ/Sec Home",null,null,101,null,null,null,null,null,null,null,null,null,null,null," "]
[null,2000001,3000000.01,{"$f":"+$L$60","v":100},{"$f":"IF(AND($C$66>B61,$C$66<C61),D61,0)","v":{"$error":"#N/A"}},null,null,null,null,"Loans W/ No PPP",null,99,null,"Loans W/ No PPP",null,null,100,null,null,null,null,null,null,null,null,null,null,null," "]
[null,3000001,10000000,{"$f":"+$L$68","v":99},{"$f":"IF(AND($C$66>B62,$C$66<C62),D62,0)","v":{"$error":"#N/A"}},null,null,{"$f":"IF('NanQ ONE Program'!V36>0,0,1)","v":1},null,"Loans W/ 6 Month PPP",null,99,null,"Loans W/ 6 Month PPP",null,null,100,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,"Primary / Secondary",{"$f":"SUM(E60:E62)","v":{"$error":"#N/A"}},null,null,{"$f":"IF('NanQ ONE Program'!V36=0,0,1)","v":0},null,"Loans W/ 1YR PPP",null,100,null,"Loans W/ 1YR PPP",null,null,100.5,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,"Investment",{"$f":"INDEX(C49:H55,MATCH(B68,B49:B55,0),MATCH(B66,C48:H48,0))","v":{"$error":"#N/A"}},null,null,null,null,"Loans W/ 2YR PPP",null,100,null,"Loans W/ 2YR PPP",null,null,101,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,{"$f":"L51","v":0},null,"Non-Owner (N/A DSCR)",null,null,"Loans W/ 3YR PPP",null,100,null,"Loans W/ 3YR PPP",null,null,101.5]
[null,{"$f":"'NanQ ONE Program'!U17","v":"Choose a Selection"},{"$f":"VLOOKUP(B66,E35:F40,2,FALSE)","v":{"$error":"#N/A"}},null,null,null,"Non-Owner (N/A DSCR)",null,null,"Loans W/ 4YR PPP",null,100,null,"Loans W/ 4YR PPP",null,null,101.5]
[null,{"$f":"'NanQ ONE Program'!U19","v":"Choose a Selection"},null,null,"PAR",null,null,null,null,"Loans W/ 5YR PPP",null,100,null,"Loans W/ 5YR PPP",null,null,102]
[null,{"$f":"'NanQ ONE Program'!U23","v":"No PPP *See PPP Section*"},null,null,100,null,null,null,null,">$3,000,000",null,99]
[]
[null,0,2000000]
[null,2000001,3000000,null,"Floor Rate for Doc Selected"]
[null,3000001,10000000,null,{"$f":"(INDEX('NanQ ONE Program'!K36:M37,2,MATCH('NanQ ONE Program'!U13,'NanQ ONE Program'!K36:M36,0)))*100","v":{"$error":"#N/A"}}]
[]
[]
[]
[]
[]
[]
[]
[null,"Base Rate / Base Price",null,null,null,null,null,null,"Base Rate / Base Price"]
[null,"Coupon","Full Doc","Alt Doc","DSCR",null,"Total LLPA",null,"Coupon","Full Doc","Alt Doc","DSCR",null,0]
[null,{"$f":"'NanQ ONE Program'!B11","v":6.125},{"$f":"'NanQ ONE Program'!C11","v":99.5},{"$f":"'NanQ ONE Program'!D11","v":99.5},{"$f":"'NanQ ONE Program'!E11","v":{"$error":"#N/A"}},null,{"$f":"SUM('NanQ ONE Program'!V11:V27)","v":{"$error":"#N/A"}},1,{"$f":"B82","v":6.125},{"$f":"C82+$G$82","v":{"$error":"#N/A"}},{"$f":"D82+$G$82","v":{"$error":"#N/A"}},{"$error":"#N/A"},null,{"$f":"I82:I121","v":6.125}]
[null,{"$f":"'NanQ ONE Program'!B12","v":6.25},{"$f":"'NanQ ONE Program'!C12","v":100},{"$f":"'NanQ ONE Program'!D12","v":100},{"$f":"'NanQ ONE Program'!E12","v":{"$error":"#N/A"}},null,".",2,{"$f":"B83","v":6.25},{"$f":"C83+$G$82","v":{"$error":"#N/A"}},{"$error":"#N/A"},{"$error":"#N/A"},null,6.25]
[null,{"$f":"'NanQ ONE Program'!B13","v":6.375},{"$f":"'NanQ ONE Program'!C13","v":100.5},{"$f":"'NanQ ONE Program'!D13","v":100.5},{"$f":"'NanQ ONE Program'!E13","v":{"$error":"#N/A"}},null,"Total Price",3,6.375,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,6.375]
[null,{"$f":"'NanQ ONE Program'!B14","v":6.5},{"$f":"'NanQ ONE Program'!C14","v":100.75},{"$f":"'NanQ ONE Program'!D14","v":100.75},{"$f":"'NanQ ONE Program'!E14","v":99.75},null,{"$f":"'NanQ ONE Program'!V34","v":"Final Price"},4,6.5,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,6.5]
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[null,null,null,null,null,null,null,41,null,{"$f":"MATCH(100,J130:J169,-1)","v":{"$error":"#N/A"}},{"$f":"MATCH(100,K130:K169,-1)","v":{"$error":"#N/A"}},{"$f":"MATCH(100,L130:L169,-1)","v":{"$error":"#N/A"}}]
[null,null,null,null,null,null,null,42,"Par Rates",{"$f":"VLOOKUP(J170,H130:I174,2,FALSE)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP(K170,H130:I174,2,FALSE)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP(L170,H130:L174,2,FALSE)","v":{"$error":"#N/A"}}]
[null,null,null,null,null,null,null,43,null,{"$f":"IF(G133=J129,J171,0)","v":0},{"$f":"IF(G133=K129,K171,0)","v":0},{"$f":"IF(G133=L129,L171,0)","v":0}]
[null,"Buy Down Hit",{"$f":"D174-D175","v":0},null,null,null,null,44,null,{"$f":"VLOOKUP(J170,H130:J174,3,FALSE)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP(K170,H130:K174,4,FALSE)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP(L170,H130:L174,5,FALSE)","v":{"$error":"#N/A"}}]
[null,"Default Ratio",2,{"$f":"(M126-'NanQ ONE Program'!U9)*C174","v":0},null,null,null,45,null,{"$f":"IF(G133=J129,J173,0)","v":0},{"$f":"IF(G133=K129,K173,0)","v":0},{"$f":"IF(G133=L129,L173,0)","v":0},{"$f":"SUM(J172:L172)","v":0}]
[null,"Current Custom Buy Down Ratio",3,{"$f":"(M126-'NanQ ONE Program'!U9)*C175","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(J174:L174)","v":0}]
[null,"Near Par Rate - BPC",null,{"$f":"M126","v":0},{"$f":"IF(M128>E65,E65,M128)","v":0}]
[null,"Near Par Rate - BPC",null,null,{"$f":"IF(E177>'NanQ ONE Program'!V31,'NanQ ONE Program'!V31,Feed!E177)","v":0}]
[]
[null,"Near Par Rate - LPC",null,{"$f":"Feed!M174","v":0},{"$f":"Feed!M176","v":0}]
[null,"Near Par Rate - LPC",null,null,{"$f":"IF(E180>'NanQ ONE Program'!V31,'NanQ ONE Program'!V31,Feed!E180)","v":0}]

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[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,"19000 MacArthur Boulevard, 2nd Floor"]
[null,null,null,null,null,null,null,null,null,"Irvine, CA 92612"]
[]
[]
[]
[]
[]
[null,"LoanStream Mortgage Wholesale NANQ Rate Sheet"]
[]
[null,null,"Underwriting Fee",null,null,"Relock Fee",null,null,"Mortgagee Clause",null,null,null,null,"Contact list"]
[null,null,"NANQ",1295,null,-0.25,null,null,"OCMBC, INC. ISAOA \n19000 MacArthur Blvd, Ste. 200 Irvine, CA 92612",null,null,null,null,"Corporate \nHeadquarters:",null,null,"Phone:","800-760-1833"]
[null,null,"DOC Fee - All Loans",null,null,"Extension Fee",null,null,null,null,null,null,null,null,null,null,"Email:","Inquires@LSMortgage.com"]
[null,null,79,null,null,"0.02/Day"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"NAN-Q\n Prequals",null,null,"Phone:","Email Only"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Email:","EZQual@LSMortgage.com"]
[null,null,"Current Turn Times",null,null,null,null,null,null,null,null,null,null,"U/W Loan \nScenarios NAN-Q",null,null,"Phone:","Email Only"]
[null,null,"Stage",null,"Turn Times",null,"Department Hours",null,null,"Cutoff Time",null,null,null,null,null,null,"Email:","NANQScenario@LSMortgage.com"]
[null,null,"PreQual",null,"24-48 Hours",null,"PreQual Desk Hours: 8:00 AM-5:00 PM PST",null,null,"3:00 PM PST",null,null,null,"Submission Desk",null,null,"Phone:","Email Only"]
[null,null,"Set-up",null,"24-48 Hours",null,"Setup Desk Hours: 8:00 AM-6:00 PM PST",null,null,null,null,null,null,null,null,null,"Email:","Submissions_LS@LSMortgage.com"]
[null,null,"New Underwrite",null,"24-48 Hours",null,"Underwriting Hours: 7:00 AM-6:00 PM PST",null,null,"3:00 PM PST",null,null,null,"Lock Desk:",null,null,"Phone:","949-679-7059"]
[null,null,"Conditions Review",null,"24-48 Hours",null,"Underwriting Hours: 7:00 AM-6:00 PM PST",null,null,"3:00 PM PST",null,null,null,null,null,null,"Email:","LockDesk@LSMortgage.com"]
[null,null,"Part \"A\" QC",null,"48-72 Hours",null,"PreQual Desk Hours: 8:00 AM-5:00 PM PST",null,null,"3:30 PM PST",null,null,null,"CD Desk:",null,null,"Phone:","Email Only"]
[null,null,"Lock Desk",null,"SameDay",null,"Lock Desk Hours are: 8:30 AM - 5:00 PM PST",null,null,"5:00 PM PST",null,null,null,null,null,null,"Email:","CD@LSMortgage.com"]
[null,null,"CTC Review",null,"SameDay",null,"Underwriting Hours: 7:00 AM-6:00 PM PST",null,null,"1:00 PM PST",null,null,null,"Funding Department:",null,null,"Phone:","Email Only"]
[null,null,"CD",null,"SameDay",null,"CD Desk Hours: 7:30 AM-6:00 PM PST",null,null,"12:00 PM PST",null,null,null,null,null,null,"Email:","Funding@LSMortgage.com"]
[null,null,"DOCS",null,"SameDay",null,"DOCS Desk Hours: 7:30 AM-6:00 PM PST",null,null,"12:00 PM PST",null,null,null,"Management \nEscalations",null,null,"Name:","David Racer / Operations"]
[null,null,"Funding",null,"SameDay",null,"Funding Desk Hours: 5:30 AM-5:00 PM PST",null,null,"12:30 PM PST",null,null,null,null,null,null,"Email:","DRacer@LSMortgage.com"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Name:","Natalie Hernandez / Closing"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Email:","NHernandez@LSMortgage.com"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Name:","Nikki Allen / Underwriting"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Email:","NAllen@LSMortgage.com"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Name:","Adam Elway / Capital Markets"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Email:","AElway@LSMortgage.com"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Name:","Moe Aziz / Secondary"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Email:","MAziz@LSMortgage.com"]
[]
[]
[]
[]
[null,"RATES AND LLPAs ARE SUBJECT TO CHANGE WITHOUT NOTICE.  "]
[null,"THIS INFORMATION IS INTENDED FOR PROFESSIONAL OR BUSINESS USE ONLY.  NOT FOR CONSUMER DISTRIBUTION."]

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