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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,null,null,"V1.0"]
[]
[null,null,null,null,null,null,null,"19000 MacArthur Blvd, Suite 200",null,null,null,null,null,null,"30 Day Lock Period"]
[null,null,null,null,null,null,null,"Irvine, CA 92612",null,null,null,null,null,"Borrower Paid Compensation"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Effective Date:",null,"2022-11-22"]
[null,"NanQ \"ONE\" Program",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PriceOne Calculator"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Inputs","Wholesale Ratesheet",null,null,null,{"$f":"O5","v":"2022-11-22"},"Full Doc Column Includes"]
[null,"Base Rate / Base Price",null,null,null,null,"FICO/LTV Price Adjustments",null,null,null,null,null,null,null,null,null,null,null," Interest Rate →",null,0,null,null,null,null,null,"Tax Returns"]
[null,"Rate","Full Doc","Alt Doc","DSCR",null,null,null,"<=50","50.01-60","60.01-65","65.01-70","70.01-75","75.01-80","80.01-85","85.01-90","90.01-95",null,"LTV Range",null,"Choose a Selection",null,null,null,null,null,"1099 Only"]
[null,6.9989999999999997,98,98,{"$error":"#N/A"},null,"740+",null,-0.25,-0.25,-0.5,-0.75,-1.25,-1.75,-3.75,-5,{"$error":"#N/A"},null,"FICO Range",null,"Choose a Selection",{"$f":"IF(U11=\"Choose Selection\",0,(IF((ISERROR((IF(U15=\"Foreign Nat' With Fico\",0,(INDEX(I11:Q19,MATCH(U11,G11:G19,0),MATCH(U10,I10:Q10)))))))=TRUE,NA(),(INDEX(I11:Q19,MATCH(U11,G11:G19,0),MATCH(U10,I10:Q10))))))","v":{"$error":"#N/A"}},null,null,null,null,"Asset Utilization Only"]
[null,7.125,98.25,98.25,{"$error":"#N/A"},null,"720-739",null,-0.25,-0.5,-0.75,-1.25,-1.75,-2.25,-4.25,-5.5,{"$error":"#N/A"},null,"Grade",null,"Choose a Selection",{"$f":"IF(U12=\"Choose a Selection\",0,(INDEX(M22:M29,MATCH(U12,K22:K29,0))))","v":0},null,null,null,null,"Asset Utilization W/ Full Doc"]
[null,7.25,98.5,98.5,{"$error":"#N/A"},null,"700-719",null,-0.5,-1,-1.5,-2,-2.5,-3,-4.75,-6,{"$error":"#N/A"},null,"Doc Type",null,"Choose a Selection"]
[null,7.375,98.75,98.75,98.5,null,"680-699",null,-0.75,-1.5,-2.25,-2.75,-3.25,-3.75,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"Additional Adjs",null,"Choose a Selection",{"$f":"IF(AND(OR(U10='Feed(WS)'!B9:B10),OR(U14='Feed(WS)'!E4:E6)),NA(),IF((AND((IF(U10=\"85.01-90\",1,0))=1,(IF(U13=\"DSCR\",1,0))=1))=TRUE,NA(),(IF(OR((AND(OR(U11='Feed(WS)'!$A$5:$A$10),IF(U10=\"80.01-85\",1,0),IF(U13=\"DSCR\",1,0)))=TRUE,(AND(OR(U11='Feed(WS)'!A3:A10),IF(U10=\"80.01-85\",1,0),IF(U13=\"DSCR\",1,0),OR(U18='Feed(WS)'!J4:J9))=TRUE)),NA(),IF(U14=\"Choose a Selection\",0,(IF(U14=\"None in this Dropdown\",0,IF(U14=\"12 Month Full / Alt Doc\",0,INDEX(I$23:I$52,MATCH(U14,G$23:G$52,0))))))))))","v":0},"Select \"Inv. & 2nd Home >75% LTV\" Adjustment"]
[null,7.4989999999999997,99,99,98.75,null,"660-679",null,-1.25,-2,-2.75,-3.25,-3.75,-4.25,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"Citizenships",null,"Choose a Selection",{"$f":"(IF(U15=\"US Citizen\",0,(IF(U15=\"Permanent Resident\",0,(IF(U15=\"Non Perm Resident\",0,(IF(U15=\"ITIN\",VLOOKUP(U15,G23:I51,3,0),(IF(U15=\"Foreign Nat' No Fico\",INDEX(I11:Q19,MATCH(U15,G11:G19,0),MATCH(U10,I10:Q10)),IF(U15=\"Foreign Nat' With Fico\",IF(U15=\"Foreign Nat' With Fico\",INDEX(G23:I51,(MATCH(U15,G23:G51,0)),3)),NA())))))))))))","v":{"$error":"#N/A"}},null,null,null,null,"Alt Doc Column Includes"]
[null,7.625,99.25,99.25,99,null,"640-659",null,-2,-2.75,-3.5,-4,-4.75,-5.5,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"DTI",null,"Choose a Selection",{"$f":"IF(U16=\"DTI ≥50% - All Doc Types\",IF((AND(IF(U16=\"DTI ≥50% - All Doc Types\",1,0),(IF(U18=\"Purchase\",1,0)),(IF(U19=\"Primary\",1,0)),(IF(OR(U10='Feed(WS)'!B3:B8),1,0)),(IF(OR(U11='Feed(WS)'!A3:A7),1,0)),(IF(U12=\"A+\",1,0)))),IF(U16=\"Choose a Selection\",0,(IF(U16=\"DTI <50% - All Doc Types\",0,IF(U16=\"No DTI Program\",0,INDEX(I$23:I$51,MATCH(U16,G$23:G$51,0)))))),NA()), IF((AND(IF(U16=\"DTI ≥50% - All Doc Types\",1,0),(IF(U18<>\"Purchase\",1,0)))),NA(),IF(U16=\"Choose a Selection\",0,(IF(U16=\"DTI <50% - All Doc Types\",0,IF(U16=\"No DTI Program\",0,INDEX(I$23:I$51,MATCH(U16,G$23:G$51,0))))))))","v":0},null,{"$f":"W35","v":0},null,null,"12 Bank Statements"]
[null,7.75,99.5,99.5,99.25,null,"620-639",null,-2.5,-3.25,-4,-4.75,-5.5,-6.25,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"Loan Balance",null,"Choose a Selection",{"$f":"IF(U17=\"Choose a Selection\",0,((IF(U17=\"$5,000,001-$7,500,000\",\"Call Lock Desk\",IF(U17=\"$7,500,001-$10,000,000\",\"Call Lock Desk\",INDEX(I$23:I$51,MATCH(U17,G$23:G$51,0)))))))","v":0},"No Ratio 0.75 - 0.99 (Review Matrix for LTV Qualification) ",null,null,null,"12 or 24 CPA P&L"]
[null,7.875,99.75,99.75,99.5,null,"600-619",null,-3,-3.75,-4.5,-5.25,-6.25,-7.25,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"Purpose",null,"Choose a Selection",{"$f":"IF(AND(OR(U18='Feed(WS)'!J5:J9),U10=\"85.01-90\"),NA(),IF(ISERROR(IF(OR(U18=\"Purchase\",U18=\"Rate/Term Refi\"),0,INDEX(I$23:I$51,MATCH(U18,G$23:G$51,0)))),0,INDEX(I$23:I$51,MATCH(U18,G$23:G$51,0))))","v":0},null,null,null,null,"Asset Utlization W/ Bank Stmt"]
[null,7.9989999999999997,100.25,100.25,100,null,"Foreign Nat' No Fico",null,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"Occupancy",null,"Choose a Selection",{"$f":"IF(OR('Feed(WS)'!A59:A62=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,8.125,100.5,100.5,100.25,null,null,null,null,null,null,null,null,null,null,null,null,null,"Property Type",null,"Choose a Selection",{"$f":"IF(AND(OR(U10='Feed(WS)'!B8:B10),OR(U20='Feed(WS)'!K7)),NA(),IF(U17=\"Choose a Selection\",0,(IF(OR(U20=\"SFR\",U20=\"1-2 Units\",U20=\"PUD\",U20=\"Condo\"),0,INDEX(I$23:I$51,MATCH(U20,G$23:G$51,0))))))","v":0}]
[null,8.25,100.75,100.75,100.5,null,"Loan Level Price Adjustments",null,null,null,"Grades",null,null,null,"Loan Term",null,null,null,"Loan Term",null,"30YR Fixed",{"$f":"IF(AND(U10='Feed(WS)'!B10,OR(U21='Feed(WS)'!M5:M6,U21='Feed(WS)'!M9,U21='Feed(WS)'!M12)),NA(),INDEX(Q22:Q32,MATCH(U21,O22:O32,0)))","v":0},null,null,null,null,"DSCR/No Ratio Column Includes"]
[null,8.375,101,101,100.75,null,null,null,"LLPA",null,"Select - Standard",null,0.75,null,"15YR Fixed",null,0.25,null,"Escrow",null,"Escrow Not Waived",{"$f":"IF(U22=\"Escrow Not Waived\",0,INDEX(I$23:I$51,MATCH(U22,G$23:G$51,0)))","v":0},null,null,null,null,"DSCR"]
[null,8.4990000000000006,101.25,101.25,101,null,"DTI ≥50% - All Doc Types",null,-0.5,null,"A+",null,0.25,null,"30YR Fixed",null,0,null,"Prepayment Penalty",null,"No PPP *See PPP Section*",{"$f":"IF(OR(U19=\"Primary\",U19=\"Second Home\"),0,INDEX(I$23:I$51,MATCH(U23,G$23:G$51,0)))","v":-1.5},"MINIMUM 3 YEAR PPP REQUIRED ON >80% LTVs",null,null,null,"No Ratio"]
[null,8.625,101.5,101.5,101.25,null,"Full Doc - Non-Owner",null,-0.5,null,"A",null,-1.25,null,"30YR IO Fixed",null,-0.5,null,"State",null,"All Other States",0]
[null,8.75,101.75,101.75,101.5,null,"ITIN",null,-2,null,"B",null,-2,null,"40YR Fixed",null,-0.5,null,"Lock Term",null,"30 Day",{"$f":"INDEX(M32:M34,MATCH(U25,K32:K34,0))","v":0}]
[null,8.875,102,102,101.75,null,"VOE Only",null,-0.75,null,"C",null,-2,null,"40YR IO Fixed",null,-0.75,null,"DSCR Special",null,"Choose a Selection",{"$f":"'Feed(WS)'!S9","v":0}]
[null,8.9990000000000006,102.5,102.5,102.25,null,"1099 Only",null,-0.75,null,"Select - DSCR",null,0.5,null,"5/6 30YR ARM",null,0,null,"FICO & LTV Special",null,{"$f":"'Feed(WS)'!R5","v":"Not Applicable"},{"$f":"'Feed(WS)'!S5","v":0},0]
[null,9.125,102.75,102.75,102.5,null,"Asset Utilization",null,-0.75,null,"DSCR (≥1.00)",null,0,null,"5/6 30YR IO ARM",null,-0.5,null,"  Total LLPA",null,null,{"$f":"SUM(V11:V27)","v":{"$error":"#N/A"}}]
[null,9.25,103,103,102.75,null,"Debt Consol. >70% LTV",null,-0.75,null,"No Ratio (0.75-0.99)",null,-1.5,null,"5/6 40YR ARM",null,-0.5,null,"  Gross Rate Sheet Price (Prior to LLPAs)",null,null,{"$f":"INDEX(B11:E55,MATCH(U9,B11:B55,0),MATCH(U13,C10:E10,0)+1)","v":{"$error":"#N/A"}},null,null,null,null,"*** Extension Cost"]
[null,9.375,103.25,103.25,103,null,"Debt Consol. ≤ 70% LTV",null,-0.25,null,null,null,null,null,"7/6 30YR ARM",null,0,null,"  Net Price: Rate Sheet - LLPA (Prior to Min/Max YSP)",null,null,{"$f":"IFERROR(V29+V28,\"Minimum Rate\")","v":"Minimum Rate"}]
[null,9.4990000000000006,103.5,103.5,103.25,null,"Cash-Out >70% LTV",null,-0.75,null,"Lock Days",null,null,null,"7/6 30YR IO ARM",null,-0.5,null,"  Max YSP",null,null,{"$f":"'Feed(WS)'!D32","v":0},{"$f":"CONCATENATE(S31,\" \",\"is\",\" \", V31)","v":"  Max YSP is 0"},null,null,null,{"$f":"+K49","v":"Temporary Guidance See Below\nExtension Cost\n\n15 Days Max Extensions per schedule below, above 15 days contact the Lock Desk for exception\n\nRates <=8.500% @ 10 bps /day\nRates <=9.500% @ 7 bps / day\nRates >9.500% @ 2 bps / day\nExtension Cost\n\nCurrent lock extension costs apply to all active locks, regardless of lock date\n\nAll 45 day locks are at a 50bp cost and are not eligible for lock extensions"}]
[null,9.625,103.75,103.75,103.5,null,"Cash-Out ≤ 70% LTV",null,-0.25,null,"15 Day",null,0,null,"7/6 40YR ARM",null,-0.5,null,"Final Price  →",null,null,{"$f":"IFERROR(IF(V30>V31,IF((V30+V33)<V31,V30+V33,V31),V30+V33),\"Final Price\")","v":"Final Price"}]
[null,9.75,104,104,103.75,null,"3-4 Units",null,-0.5,null,"30 Day",null,0,null,null,null,null,null,"Borrower Paid Comp Only"]
[null,9.875,104.25,104.25,104,null,"Second Home",null,-0.75,null,"45 Day",null,-0.5,null,"Max Price",null,null,null,null,null,null,null,{"$f":"CONCATENATE('Feed(WS)'!B177,\" \",'Feed(WS)'!D177,\"%\"&\" @ \"&'Feed(WS)'!E177)","v":"Near Par Rate - BPC 0% @ 0"}]
[null,9.9990000000000006,104.5,104.5,104.25,null,"No PPP \"See PPP Section\"",null,-1.5,null,null,null,null,null,"Owner Occ/Sec Home",null,100]
[null,10.125,104.75,104.75,104.5,null,"6 Months PPP",null,-1.5,null,"Minimum Rates by Doc Type",null,null,null,"Loans W/ No PPP",null,99]
[null,10.25,105,105,104.75,null,"12 Months PPP",null,-1,null,"Full Doc","Alt Doc","DSCR",null,"Loans W/ 6 Month PPP",null,99]
[null,10.375,105.25,105.25,105,null,"24 Months PPP",null,-0.5,null,6.9989999999999997E-2,6.9989999999999997E-2,7.3749999999999996E-2,null,"Loans W/ 1YR PPP",null,100]
[null,10.499000000000001,105.5,105.5,105.25,null,"36 Months PPP",null,0,null,"≥$4,000,000",null,{"$error":"#N/A"},null,"Loans W/ 2YR PPP",null,100,null,"Loan Number",null,null,"Borrower Name"]
[null,10.625,105.75,105.75,105.5,null,"48 Months PPP",null,0.25,null,null,null,null,null,"Loans W/ 3YR PPP",null,100]
[null,10.75,106,106,105.75,null,"60 Months PPP",null,0.5,null,null,null,null,null,"Loans W/ 4YR PPP",null,100,null,null,null,null,null,null,null,null,"Comp?"]
[null,10.875,106.25,106.25,106,null,"Escrow Waived",null,-0.25,null,null,null,null,null,"Loans W/ 5YR PPP",null,100]
[null,10.999000000000001,106.5,106.5,106.25,null,"NW Condo",null,-1,null,"Loan Term","Caps","Floor",null,">$3,000,000",null,99.5]
[null,11.125,106.75,106.75,106.5,null,"$150,000-$1,000,000",null,0,null,"5/6 ARM","2/1/5","=Rate",null,"80.01-90.00% LTV",null,100]
[null,11.25,107,107,106.75,null,">$1,000,000",null,0,null,"7/6 ARM","5/1/5",null,null,"ITIN/Foreign National",null,100,null,"\n*6 months interest on 80% of the original principal balance\nMinimum 3 Year Prepay Required for All Investment/DSCR Loans with LTV’s >80% \nMinimum 6 Months Prepay required except in the following states \nNot allowed in DE, IL, MD, MI, MN, ND, NJ1, NM, OH, PA, RI\n1Prepay allowed for loans closed in the name of \na Corporation or LLC in NJ\n*PPP is only Allowed on the following\nNon-TRID Loans -  Investment\nNon-TRID Loans - DSCR\nNo PPP price option only allowed where prohibited by State\n\n"]
[null,11.375,107.25,107.25,107,null,">$1,500,000",null,-0.25,null,"Index","6mo SOFR"]
[null,11.499000000000001,107.5,107.5,107.25,null,">$2,000,000",null,-0.75,null,"Reset Frequency",null,"6 Mo",null,"ARM Margins"]
[null,null,null,null,null,null,">$3,000,000",null,-1.5,null,null,null,null,null,"Occupancy",null,"Margin"]
[null,null,null,null,null,null,"Foreign Nat' With Fico",null,-1.5,null,"Temporary Guidance See Below\nExtension Cost\n\n15 Days Max Extensions per schedule below, above 15 days contact the Lock Desk for exception\n\nRates <=8.500% @ 10 bps /day\nRates <=9.500% @ 7 bps / day\nRates >9.500% @ 2 bps / day\nExtension Cost\n\nCurrent lock extension costs apply to all active locks, regardless of lock date\n\nAll 45 day locks are at a 50bp cost and are not eligible for lock extensions",null,null,null,"Primary Home",null,4]
[null,null,null,null,null,null,"Purchase",null,0,null,null,null,null,null,"Second Home",null,4]
[null,null,null,null,null,null,"Inv. & 2nd Home >75% LTV",null,-1,null,null,null,null,null,"Investment Home",null,4]
[]
[]
[null,"Non QM Prelocks"]
[null,"Non-QM Pre-Locks may now be locked for 30 or 45 days\n30 day Non-QM Pre-Locks are eligible for up to 15 days of extensions at cost                                                                                                            All Non-QM Pre-Locks must be Submittal Completed/Submitted within 10 days or Lock will be cancelled\nAll 45 day locks are at a 50bp cost and are not eligible for lock extensions\nAll Non-QM locks that expire will be subject to a 25bp Relock Fee and Worse Case Pricing \nNon-QM Pre-Locks will be offered until 12/31/22"]

{"sheet":"Feed(WS)","index":1,"n_rows":181,"n_cols":29,"rows_kept":181,"cut":false,"hidden":true,"merged":[[0,17,0,18],[180,1,180,2],[179,1,179,2],[176,1,176,2],[79,1,79,4],[79,8,79,11],[123,1,123,4],[127,8,127,11],[177,1,177,2],[19,0,19,2],[20,0,20,1],[21,0,21,1],[22,0,22,1],[23,0,23,1],[29,0,29,1],[30,0,30,1],[24,0,24,1],[25,0,25,1],[26,0,26,1],[27,0,27,1],[28,0,28,1]]}
["FICO","LTV","Grades","Doc Type","Additional Adjs","DTI","Loan Amount","Prepayment Penalties","Escrow Waiver","Purpose","Property Type","Occupancy","Term","Lock Period","Comp Type","Citizenships","Foreign National","FICO & LTV Special",null,"State"]
["Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Not Applicable",0,"Choose a Selection"]
["740+","<=50","Select - Standard","Full Doc","None in this Dropdown","DTI <50% - All Doc Types","$150,000-$1,000,000","No PPP *See PPP Section*","Escrow Not Waived","Purchase","SFR","Primary","15YR Fixed","15 Day","Borrower Paid","US Citizen","Not Applicable1","FICO >=740, LTV <=70%",{"$f":"IF(AND(OR('NanQ ONE Program'!U11=A3),OR('NanQ ONE Program'!U10=B3:B6)),IF(S9>0,0.25,0.5),0)","v":0},"Illinois",null,null,null,null,null,null,null,null," "]
["720-739","50.01-60","A+","Alt Doc","Asset Utilization","DTI ≥50% - All Doc Types",">$1,000,000","6 Months PPP","Escrow Waived","Refinances","1-2 Units","Second Home","30YR Fixed","30 Day",null,"Permanent Resident","Not Applicable2","FICO >=700, LTV <=70%",{"$f":"IF(AND(OR('NanQ ONE Program'!U11=A4:A5),OR('NanQ ONE Program'!U10=B3:B6)),0.25,0)","v":0},"Maryland",null,null,null,null,null,null,null,null," "]
["700-719","60.01-65","A","DSCR","1099 Only","No DTI Program",">$1,500,000","12 Months PPP",null,"Debt Consol. ≤ 70% LTV","3-4 Units","Full Doc - Non-Owner","30YR IO Fixed","45 Day",null,"Non Perm Resident","Not Applicable3",{"$f":"IF(S3>0,R3,IF(S4>0,R4,R2))","v":"Not Applicable"},{"$f":"SUM(S2:S4)","v":0},"Michigan",null,null,null,null,null,null,null,null," "]
["680-699","65.01-70","B",null,"VOE Only",null,">$2,000,000","24 Months PPP",null,"Debt Consol. >70% LTV","Condo","Non-Owner (Alt Doc/DSCR)","40YR IO Fixed","60 Day",null,"ITIN",null,null,null,"Minnesota",null,null,null,null,null,null,null,null," "]
["660-679","70.01-75","C",null,"Inv. & 2nd Home >75% LTV",null,">$3,000,000","36 Months PPP",null,"Cash-Out ≤ 70% LTV","NW Condo",null,"40YR Fixed","75 Day",null,"Foreign Nat' With Fico",null,"DSCR Special",null,"North Dakota",null,null,null,null,null,null,null,null," "]
["640-659","75.01-80","Select - DSCR",null,null,null,null,"48 Months PPP",null,"Cash-Out >70% LTV","PUD",null,"5/6 30YR ARM",null,null,null,null,"Choose a Selection",null,"New Jersey",null,null,null,null,null,null,null,null," "]
["620-639","80.01-85","DSCR (≥1.00)",null,null,null,null,"60 Months PPP",null,null,null,null,"5/6 30YR IO ARM",null,null,null,null,"DSCR (≥1.20)",{"$f":"IF(OR('NanQ ONE Program'!U26=R8,'NanQ ONE Program'!U26=R10),0,0.25)","v":0},"New Mexico",null,null,null,null,null,null,null,null," "]
["600-619","85.01-90","No Ratio (0.75-0.99)",null,null,null,null,null,null,null,null,null,"5/6 40YR ARM",null,null,null,null,"Other",null,"Pennsylvania",null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,"7/6 30YR ARM",null,null,null,null,null,null,"Texas"]
[null,null,null,null,null,null,null,null,null,null,null,null,"7/6 30YR IO ARM",null,null,null,null,null,null,"All Other States",null,null,null,null,null,null,null,null," "]
["'NanQ ONE Program'!",null,null,null,null,null,null,null,null,null,null,null,"7/6 40YR ARM",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["Feed(WS)'!"]
[]
[]
[]
[]
[]
[{"$f":"'NanQ ONE Program'!O34","v":"Max Price"},null,null,"Rules"]
[{"$f":"'NanQ ONE Program'!O35","v":"Owner Occ/Sec Home"},null,{"$f":"'NanQ ONE Program'!Q35","v":100},{"$f":"IF(OR('NanQ ONE Program'!U19=L3:L4),C21,\"\")","v":""}]
[{"$f":"'NanQ ONE Program'!O36","v":"Loans W/ No PPP"},null,{"$f":"'NanQ ONE Program'!Q36","v":99},{"$f":"IF(AND(OR('NanQ ONE Program'!U19=L5:L6),'NanQ ONE Program'!U23=H3),C22,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[{"$f":"'NanQ ONE Program'!O37","v":"Loans W/ 6 Month PPP"},null,{"$f":"'NanQ ONE Program'!Q37","v":99},{"$f":"IF(AND(OR('NanQ ONE Program'!U19=L5:L6),'NanQ ONE Program'!U23=H4),C23,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[{"$f":"'NanQ ONE Program'!O38","v":"Loans W/ 1YR PPP"},null,{"$f":"'NanQ ONE Program'!Q38","v":100},{"$f":"IF(AND(OR('NanQ ONE Program'!U19=L5:L6),'NanQ ONE Program'!U23=H5),C24,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[{"$f":"'NanQ ONE Program'!O39","v":"Loans W/ 2YR PPP"},null,{"$f":"'NanQ ONE Program'!Q39","v":100},{"$f":"IF(AND(OR('NanQ ONE Program'!U19=L5:L6),'NanQ ONE Program'!U23=H6),C25,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[{"$f":"'NanQ ONE Program'!O40","v":"Loans W/ 3YR PPP"},null,{"$f":"'NanQ ONE Program'!Q40","v":100},{"$f":"IF(AND(OR('NanQ ONE Program'!U19=L5:L6),'NanQ ONE Program'!U23=H7),C26,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[{"$f":"'NanQ ONE Program'!O41","v":"Loans W/ 4YR PPP"},null,{"$f":"'NanQ ONE Program'!Q41","v":100},{"$f":"IF(AND(OR('NanQ ONE Program'!U19=L5:L6),'NanQ ONE Program'!U23=H8),C27,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[{"$f":"'NanQ ONE Program'!O42","v":"Loans W/ 5YR PPP"},null,{"$f":"'NanQ ONE Program'!Q42","v":100},{"$f":"IF(AND(OR('NanQ ONE Program'!U19=L5:L6),'NanQ ONE Program'!U23=H9),C28,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[{"$f":"'NanQ ONE Program'!O43","v":">$3,000,000"},null,{"$f":"'NanQ ONE Program'!Q43","v":99.5},{"$f":"IF('NanQ ONE Program'!U17=G7,C29,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[{"$f":"'NanQ ONE Program'!O44","v":"80.01-90.00% LTV"},null,{"$f":"'NanQ ONE Program'!Q44","v":100},{"$f":"IF(OR('NanQ ONE Program'!U10=B9:B10),C30,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[{"$f":"'NanQ ONE Program'!O45","v":"ITIN/Foreign National"},null,{"$f":"'NanQ ONE Program'!Q45","v":100},{"$f":"IF(OR('NanQ ONE Program'!U15=P6:P7),C31,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,"Final price  →",{"$f":"MIN(D21:D31)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["Pop Ups",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["No Ratio above 60% warning",{"$f":"IF(AND(OR('NanQ ONE Program'!U10='Feed(WS)'!B5:B10),'NanQ ONE Program'!U12=\"No Ratio (0.75-0.99)\"),TRUE,FALSE)","v":false},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["Disqualifiers",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[" Foreign National",{"$f":"IF(AND('NanQ ONE Program'!U15='Feed(WS)'!P7,OR('NanQ ONE Program'!U11='Feed(WS)'!A6:A10)),NA(),\"\")","v":""},"FN minimum 700 Fico rule",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["ITIN",{"$f":"IF(AND('NanQ ONE Program'!U15='Feed(WS)'!P6,'NanQ ONE Program'!U10=B10),NA(),\"\")","v":""},"ITIN N/A for 85.01-90% LTV",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["ITIN",{"$f":"IF(AND('NanQ ONE Program'!U15='Feed(WS)'!P6,OR('NanQ ONE Program'!U11='Feed(WS)'!A8:A10)),NA(),\"\")","v":""},"ITIN minimum 660 Fico rule for all LTVs",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[" Foreign National",{"$f":"IF(AND('NanQ ONE Program'!U15='Feed(WS)'!P7,OR('NanQ ONE Program'!U17='Feed(WS)'!G6:G7)),NA(),\"\")","v":""},"FN 0-2 mil loan amount max",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["ITIN",{"$f":"IF(AND('NanQ ONE Program'!U15='Feed(WS)'!P6,OR('NanQ ONE Program'!U17='Feed(WS)'!G5:G7)),NA(),\"\")","v":""},"ITIN 0-1.5 mil loan amount max",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["85.01-90% LTV",{"$f":"IF(AND('NanQ ONE Program'!U10='Feed(WS)'!B10,'NanQ ONE Program'!U12='Feed(WS)'!C4,OR('NanQ ONE Program'!U19='Feed(WS)'!L4:L6)),NA(),\"\")","v":""},"A+ / NOO - 2nd home / 85.01-90%",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["C Grade >70%",{"$f":"IF(AND('NanQ ONE Program'!U12='Feed(WS)'!C7,OR('NanQ ONE Program'!U10='Feed(WS)'!B7:B10)),NA(),\"\")","v":""},"C Grade /  >70% LTV",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["PPP >80% LTV",{"$f":"IF(AND(OR('NanQ ONE Program'!U10='Feed(WS)'!B9:B10),OR('NanQ ONE Program'!U19='Feed(WS)'!L5:L6),OR('NanQ ONE Program'!U23='Feed(WS)'!H2:H6)),NA(),\"\")","v":""},"80.01-90% / NOO / 3YR PP Minimum",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["Inv. & 2nd Home >75% LTV",{"$f":"IF(AND(OR('NanQ ONE Program'!U10=B8:B10),OR('NanQ ONE Program'!U19=L4:L6),'NanQ ONE Program'!U14<>E7),NA(),\"\")","v":""},"Inv and 2nd homes >75% / must select hit under \"Additional Adjustments\"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["Grade A+ Min FICO is 660",{"$f":"IF(AND(OR('NanQ ONE Program'!U11=A8:A10),'NanQ ONE Program'!U12=C4),NA(),\"\")","v":""},"Grade A+ Minimum FICO is 660, so under 660 is “NA”",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["85.01-90% LTV >2mil cap",{"$f":"IF(AND('NanQ ONE Program'!U10=B10,OR('NanQ ONE Program'!U17=G6:G7)),NA(),\"\")","v":""},"90% LTV Max loan amount is 2MM, so >2 and >3 is “NA”",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["80.01-85% LTV >3mil cap",{"$f":"IF(AND('NanQ ONE Program'!U10=B9,'NanQ ONE Program'!U17=G7),NA(),\"\")","v":""},"85% LTV Max Loan Amount is 2.5MM so >3 is “NA”",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["DSCR",{"$f":"IF(AND(OR('NanQ ONE Program'!U10=B7:B10),OR('NanQ ONE Program'!U11=A9:A10),'NanQ ONE Program'!U13=D5),NA(),\"\")","v":""},"DSCR >70% LTV 620 FICO cap",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["Total",{"$f":"SUM(B43:B55)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["Occupancy",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[{"$f":"IF(AND('NanQ ONE Program'!U18='Feed(WS)'!J3,OR('NanQ ONE Program'!U10='Feed(WS)'!B9:B10),'NanQ ONE Program'!U12='Feed(WS)'!C4),TRUE(),FALSE)","v":false},"80.01 - 90%/ A+/ Purch",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[{"$f":"IF(AND('NanQ ONE Program'!U10='Feed(WS)'!B9,'NanQ ONE Program'!U12='Feed(WS)'!C5,OR('NanQ ONE Program'!U11='Feed(WS)'!A3:A4),'NanQ ONE Program'!U18='Feed(WS)'!J3,'NanQ ONE Program'!U19='Feed(WS)'!L3),TRUE,FALSE)","v":false},"80.01-85% / \"A\" Grade / 720 FICO / Purch / Primary",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[{"$f":"OR('NanQ ONE Program'!U10='Feed(WS)'!B3:B8)","v":false},"<80% LTV's",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[{"$f":"IF(AND('NanQ ONE Program'!U10='Feed(WS)'!B9,'NanQ ONE Program'!U13='Feed(WS)'!D5,'NanQ ONE Program'!U12='Feed(WS)'!C9,OR('NanQ ONE Program'!U11=A3:A4),'NanQ ONE Program'!U18='Feed(WS)'!J3),TRUE,FALSE)","v":false},"80.01-85% / 720+/ DSCR / >=1.00 Grade / Purch",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Base Rate / Base Price",null,null,null,null,null,null,"Base Rate / Base Price"]
[null,"Coupon","Full Doc","Alt Doc","DSCR",null,"Total LLPA",null,"Coupon","Full Doc","Alt Doc","DSCR",null,0]
[null,{"$f":"'NanQ ONE Program'!B11","v":6.9989999999999997},{"$f":"'NanQ ONE Program'!C11","v":98},{"$f":"'NanQ ONE Program'!D11","v":98},{"$f":"'NanQ ONE Program'!E11","v":{"$error":"#N/A"}},null,{"$f":"SUM('NanQ ONE Program'!V11:V27)","v":{"$error":"#N/A"}},1,{"$f":"B82","v":6.9989999999999997},{"$f":"C82+$G$82","v":{"$error":"#N/A"}},{"$f":"D82+$G$82","v":{"$error":"#N/A"}},{"$error":"#N/A"},null,{"$f":"I82:I121","v":6.9989999999999997}]
[null,{"$f":"'NanQ ONE Program'!B12","v":7.125},{"$f":"'NanQ ONE Program'!C12","v":98.25},{"$f":"'NanQ ONE Program'!D12","v":98.25},{"$f":"'NanQ ONE Program'!E12","v":{"$error":"#N/A"}},null,".",2,{"$f":"B83","v":7.125},{"$f":"C83+$G$82","v":{"$error":"#N/A"}},{"$error":"#N/A"},{"$error":"#N/A"},null,7.125]
[null,{"$f":"'NanQ ONE Program'!B13","v":7.25},{"$f":"'NanQ ONE Program'!C13","v":98.5},{"$f":"'NanQ ONE Program'!D13","v":98.5},{"$f":"'NanQ ONE Program'!E13","v":{"$error":"#N/A"}},null,"Total Price",3,7.25,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,7.25]
[null,{"$f":"'NanQ ONE Program'!B14","v":7.375},{"$f":"'NanQ ONE Program'!C14","v":98.75},{"$f":"'NanQ ONE Program'!D14","v":98.75},{"$f":"'NanQ ONE Program'!E14","v":98.5},null,{"$f":"'NanQ ONE Program'!V32","v":"Final Price"},4,7.375,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,7.375]
[null,{"$f":"'NanQ ONE Program'!B15","v":7.4989999999999997},{"$f":"'NanQ ONE Program'!C15","v":99},{"$f":"'NanQ ONE Program'!D15","v":99},{"$f":"'NanQ ONE Program'!E15","v":98.75},null,null,5,7.4989999999999997,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,7.4989999999999997]
[null,{"$f":"'NanQ ONE Program'!B16","v":7.625},{"$f":"'NanQ ONE Program'!C16","v":99.25},{"$f":"'NanQ ONE Program'!D16","v":99.25},{"$f":"'NanQ ONE Program'!E16","v":99},null,null,6,7.625,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,7.625]
[null,{"$f":"'NanQ ONE Program'!B17","v":7.75},{"$f":"'NanQ ONE Program'!C17","v":99.5},{"$f":"'NanQ ONE Program'!D17","v":99.5},{"$f":"'NanQ ONE Program'!E17","v":99.25},null,null,7,7.75,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,7.75]
[null,{"$f":"'NanQ ONE Program'!B18","v":7.875},{"$f":"'NanQ ONE Program'!C18","v":99.75},{"$f":"'NanQ ONE Program'!D18","v":99.75},{"$f":"'NanQ ONE Program'!E18","v":99.5},null,{"$f":"'NanQ ONE Program'!U13","v":"Choose a Selection"},8,7.875,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,7.875]
[null,{"$f":"'NanQ ONE Program'!B19","v":7.9989999999999997},{"$f":"'NanQ ONE Program'!C19","v":100.25},{"$f":"'NanQ ONE Program'!D19","v":100.25},{"$f":"'NanQ ONE Program'!E19","v":100},null,null,9,7.9989999999999997,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,7.9989999999999997]
[null,{"$f":"'NanQ ONE Program'!B20","v":8.125},{"$f":"'NanQ ONE Program'!C20","v":100.5},{"$f":"'NanQ ONE Program'!D20","v":100.5},{"$f":"'NanQ ONE Program'!E20","v":100.25},null,null,10,8.125,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,8.125]
[null,{"$f":"'NanQ ONE Program'!B21","v":8.25},{"$f":"'NanQ ONE Program'!C21","v":100.75},{"$f":"'NanQ ONE Program'!D21","v":100.75},{"$f":"'NanQ ONE Program'!E21","v":100.5},null,null,11,8.25,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,8.25]
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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"}}]
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[null,null,null,null,null,null,null,44,null,{"$f":"VLOOKUP(J170,H130:J174,3,FALSE)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP(K170,H130:K174,4,FALSE)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP(L170,H130:L174,5,FALSE)","v":{"$error":"#N/A"}}]
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[]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(J174:L174)","v":0}]
[null,"Near Par Rate - BPC",null,{"$f":"M126","v":0},{"$f":"IF(M128>D32,D32,M128)","v":0}]
[null,"Near Par Rate - BPC",null,null,{"$f":"IF(E177>'NanQ ONE Program'!V31,'NanQ ONE Program'!V31,E177)","v":0}]
[]
[null,"Near Par Rate - LPC",null,{"$f":"M174","v":0},{"$f":"M176","v":0}]
[null,"Near Par Rate - LPC",null,null,{"$f":"IF(E180>V31,E180)","v":false}]

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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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