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Effective Date: Tuesday, May 6, 2025
| SecureEquity Fixed | ||||||||
|---|---|---|---|---|---|---|---|---|
| $200,000 Minimum PL Required | ||||||||
| Orig Fees Paid to Mutual of Omaha* | ||||||||
| Rate Type | Premium | Rate | LESA Rate | |||||
| **Fixed Tier 1 | 103.000 | 8.740 | 8.990 | |||||
| Fixed Tier 2 | 103.000 | 9.240 | 9.490 | |||||
| *1% origination fee calculated on the principal limit payable to Mutual of Omaha with a maximum of $30,000 | ||||||||
| ** Lower Rate / Lower LTV Option | ||||||||
| SecureEquity: Premium paid on Unpaid Principal Balance | ||||||||
| SecureEquity ARM | ||||||||
|---|---|---|---|---|---|---|---|---|
| $200,000 Minimum PL Required | ||||||||
| Orig Fees Paid to Broker* | ||||||||
| Rate Type | Margin | LESA Margin | 25.00 – 80% PLU | 80.01-100% PLU | ||||
| 1 Year CMT | 6.000% | 6.250% | 104.500 | 103.500 | ||||
| 1 Year CMT | 5.875% | 6.125% | 103.750 | 103.000 | ||||
| 1 Year CMT | 5.749% | 5.999% | 103.000 | 102.250 | ||||
| *Origination fee payable to broker may be charged at broker’s discretion subject to applicable federal and state law requirements and disclosures | ||||||||
| Origination fee not to exceed the lesser of 5% of PL or $30,000 with a minimum of $0 | ||||||||
| Premium paid on Unpaid Principal Balance | ||||||||
| Floor Rate equals greater of (start rate – 1.5%) or 5.5% | ||||||||
| SecureEquity Approved States | ||||||||
|---|---|---|---|---|---|---|---|---|
| SecureEquity Fixed | ||||||||
| CA, FL, CO, AZ | ||||||||
| SecureEquity Adjustable | ||||||||
| CA, FL, CO, AZ |
| HECM Monthly Adj. 1Y CMT 5 CAP – (US Treasury) | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Principal Limit Utilization *All files are over-disclosed to max premium for given margin at application* | |||||||||||||
| Margin | Initial Rate | Exp. Rate | 0-10% | 10.01-20% | 20.01-30% | 30.01-40% | 40.01-50% | 50.01-60% | 60.01-70% | 70.01-80% | 80.01-90% | 90.01-100% | |
| 3.000% | 6.875% | 7.250% | 112.875 | 109.125 | 107.375 | 106.250 | 105.500 | 105.250 | 104.750 | 104.250 | 104.000 | 103.875 | |
| 2.875% | 6.750% | 7.125% | 112.750 | 109.125 | 107.500 | 106.375 | 105.500 | 105.250 | 104.750 | 104.500 | 104.250 | 104.000 | |
| 2.750% | 6.625% | 7.000% | 112.375 | 109.125 | 107.750 | 106.625 | 105.750 | 105.500 | 105.000 | 104.750 | 104.500 | 104.375 | |
| 2.625% | 6.500% | 6.875% | 111.625 | 108.750 | 107.500 | 106.625 | 105.750 | 105.500 | 105.000 | 104.750 | 104.500 | 104.250 | |
| 2.500% | 6.375% | 6.750% | 111.500 | 108.375 | 107.500 | 106.375 | 105.625 | 105.500 | 104.875 | 104.625 | 104.500 | 104.250 | |
| 2.375% | 6.250% | 6.625% | 109.625 | 107.250 | 107.125 | 105.750 | 105.125 | 105.125 | 104.500 | 104.000 | 104.000 | 103.750 | |
| 2.250% | 6.125% | 6.500% | 108.125 | 105.875 | 106.000 | 104.875 | 104.550 | 104.500 | 104.000 | 103.625 | 103.500 | 103.500 | |
| 2.125% | 6.000% | 6.375% | 106.250 | 104.125 | 104.750 | 104.125 | 103.625 | 103.875 | 103.625 | 103.250 | 103.000 | 103.000 | |
| 2.000% | 5.875% | 6.250% | 103.875 | 103.000 | 103.875 | 103.500 | 103.375 | 103.500 | 103.125 | 102.875 | 102.750 | 102.625 | |
| 1.875% | 5.750% | 6.125% | 100.375 | 101.125 | 102.375 | 102.375 | 102.500 | 102.625 | 102.250 | 102.125 | 102.125 | 102.000 | |
| 1.750% | 5.625% | 6.000% | 98.125 | 100.125 | 101.250 | 101.500 | 101.500 | 101.750 | 101.500 | 101.375 | 101.375 | 101.375 | |
| 1.625% | 5.500% | 5.875% | 96.000 | 97.750 | 100.500 | 100.500 | 100.625 | 100.875 | 100.750 | 100.625 | 100.625 | 100.625 | |
| 1.500% | 5.375% | 5.750% | 93.500 | 96.500 | 99.000 | 100.000 | 100.000 | 100.000 | 100.000 | 100.000 | 100.000 | 100.000 | |
| 1.375% | 5.250% | 5.625% | Please contact your AE for pricing. | ||||||||||
| HECM Annual Adj. 1Y CMT – (US Treasury) – Pricing available upon request, please contact your Account Executive | |||||||||||||
| HECM Monthly Adj. 1Y CMT 10 CAP – (US Treasury) | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Principal Limit Utilization *All files are over-disclosed to max premium for given margin at application* | |||||||||||||
| Margin | Initial Rate | Exp. Rate | 0-10% | 10.01-20% | 20.01-30% | 30.01-40% | 40.01-50% | 50.01-60% | 60.01-70% | 70.01-80% | 80.01-90% | 90.01-100% | |
| 3.000% | 6.875% | 7.250% | 112.875 | 109.125 | 107.375 | 106.250 | 105.500 | 105.250 | 104.750 | 104.250 | 104.000 | 103.875 | |
| 2.875% | 6.750% | 7.125% | 112.750 | 109.125 | 107.500 | 106.375 | 105.500 | 105.250 | 104.750 | 104.500 | 104.250 | 104.000 | |
| 2.750% | 6.625% | 7.000% | 112.375 | 109.125 | 107.750 | 106.625 | 105.750 | 105.500 | 105.000 | 104.750 | 104.500 | 104.375 | |
| 2.625% | 6.500% | 6.875% | 111.625 | 108.750 | 107.500 | 106.625 | 105.750 | 105.500 | 105.000 | 104.750 | 104.500 | 104.250 | |
| 2.500% | 6.375% | 6.750% | 111.500 | 108.375 | 107.500 | 106.375 | 105.625 | 105.500 | 104.875 | 104.625 | 104.500 | 104.250 | |
| 2.375% | 6.250% | 6.625% | 109.625 | 107.250 | 107.125 | 105.750 | 105.125 | 105.125 | 104.500 | 104.000 | 104.000 | 103.750 | |
| 2.250% | 6.125% | 6.500% | 108.125 | 105.875 | 106.000 | 104.875 | 104.550 | 104.500 | 104.000 | 103.625 | 103.500 | 103.500 | |
| 2.125% | 6.000% | 6.375% | 106.250 | 104.125 | 104.750 | 104.125 | 103.625 | 103.875 | 103.625 | 103.250 | 103.000 | 103.000 | |
| 2.000% | 5.875% | 6.250% | 103.875 | 103.000 | 103.875 | 103.500 | 103.375 | 103.500 | 103.125 | 102.875 | 102.750 | 102.625 | |
| 1.875% | 5.750% | 6.125% | 100.375 | 101.125 | 102.375 | 102.375 | 102.500 | 102.625 | 102.250 | 102.125 | 102.125 | 102.000 | |
| 1.750% | 5.625% | 6.000% | 98.125 | 100.125 | 101.250 | 101.500 | 101.500 | 101.750 | 101.500 | 101.375 | 101.375 | 101.375 | |
| 1.625% | 5.500% | 5.875% | Please contact your AE for pricing. | ||||||||||
| 1.500% | 5.375% | 5.750% | |||||||||||
| General Notes & Comments | Current Rates | ||||||||||||
– If processing services are provided by the lender, the processing fee of $495 will be deducted directly from the broker premium. – All pricing is for 10 Day Locks – Price Adjustor: Manufactured Homes: -25 basis points – Rates subject to change at any time. Premium is based on UPB | 10 Year CMT 1 Year CMT 4.25% 4.050% | ||||||||||||
Wholesale Fixed Standard+
| HECM Fixed Rate | |||
|---|---|---|---|
| Rate | Orig. Fee | Credit | 10 Day |
| 7.810% | HUD Calc. | 0.00% | 103.000 |
| 7.930% | $5,000.00 | 0.00% | 103.000 |
| Any origination fee is paid to MOOM | |||
| Loans with < 100% utilization require PE | |||