Effective Date: Monday, January 12, 2026
| SecureEquity Fixed Plus | ||||||||
|---|---|---|---|---|---|---|---|---|
| $200,000 Minimum PL Required | ||||||||
| Orig Fees Paid to the Lender* | ||||||||
| Rate Type | Premium | Rate | LESA Rate | |||||
| Fixed Tier 1 | 100.000 | 8.990 | N/A | |||||
| *Mandatory 4% origination fee calculated on the principal limit payable to the lender with no maximum | ||||||||
| SecureEquity: Premium paid on Unpaid Principal Balance | ||||||||
| SecureEquity Fixed | ||||||||
|---|---|---|---|---|---|---|---|---|
| $200,000 Minimum PL Required | ||||||||
| Orig Fees Paid to the Lender* | ||||||||
| Rate Type | Premium | Rate | LESA Rate | |||||
| **Fixed Tier 1 | 100.500 | 8.740 | 8.990 | |||||
| Fixed Tier 2 | 102.500 | 8.950 | 9.200 | |||||
| *Origination fee payable to the lender may be charged at the lender’s discretion subject to applicable federal and state law requirements and disclosures | ||||||||
| Origination fee not to exceed $30,000 with a minimum of $0 | ||||||||
| ** Lower Rate / Lower LTV Option | ||||||||
| SecureEquity: Premium paid on Unpaid Principal Balance | ||||||||
| SecureEquity ARM | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| $200,000 Minimum PL Required | ||||||||||||
| Orig Fees Paid to the Lender* | ||||||||||||
| Rate Type | Margin | LESA Margin | PLU | 25.00 – 80% PLU | 80.01-90% PLU | 90.01-100% PLU | ||||||
| 1 Year CMT | 6.250% | 6.500% | Premium | 105.250 | 104.125 | 102.750 | ||||||
| 1 Year CMT | 6.125% | 6.375% | Premium | 105.125 | 103.875 | 102.500 | ||||||
| 1 Year CMT | 6.000% | 6.250% | Premium | 105.000 | 103.500 | 102.250 | ||||||
| 1 Year CMT | 5.875% | 6.125% | Premium | 104.250 | 103.000 | 102.000 | ||||||
| 1 Year CMT | 5.749% | 5.999% | Premium | 103.500 | 102.250 | 101.750 | ||||||
| *Origination fee payable to the lender may be charged at the lender’s discretion subject to applicable federal and state law requirements and disclosures | ||||||||||||
| Origination fee not to exceed $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 | ||||||||
| AL, AZ, CA, CO, CT, DC, FL, GA, HI, ID, IL, IN, LA, MI, MO, MT, NC*, NH, NJ, NV, OH, OR, PA, RI, SC, TX, UT, VA, WA, WY | ||||||||
| SecureEquity Adjustable | ||||||||
| AL, AZ, CA, CO, CT, DC, FL, GA, HI, ID, IL, IN, LA, MI, MO, MT, NC*, NJ, NH, NV, OH, OR, RI SC, TX, UT, VA, WY |
| HECM Monthly Adj. 1Y CMT 5 CAP – (US Treasury) | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Principal Limit Utilization | ||||||||||||
| 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% | 6.500% | 7.125% | 112.750 | 109.000 | 107.125 | 106.000 | 105.250 | 105.000 | 104.500 | 104.000 | 103.750 | 103.625 |
| 2.875% | 6.375% | 7.000% | 112.625 | 109.000 | 107.250 | 106.125 | 105.250 | 105.000 | 104.500 | 104.250 | 104.000 | 103.750 |
| 2.750% | 6.250% | 6.875% | 112.250 | 109.000 | 107.625 | 106.500 | 105.750 | 105.750 | 105.000 | 104.750 | 104.500 | 104.250 |
| 2.625% | 6.125% | 6.750% | 111.500 | 108.625 | 108.000 | 106.875 | 106.000 | 105.875 | 105.250 | 105.000 | 104.625 | 104.500 |
| 2.500% | 6.000% | 6.625% | 111.375 | 108.250 | 108.000 | 106.875 | 106.000 | 106.000 | 105.500 | 105.000 | 104.875 | 104.625 |
| 2.375% | 5.875% | 6.500% | 109.750 | 107.375 | 107.750 | 106.375 | 105.750 | 105.750 | 105.125 | 104.625 | 104.625 | 104.500 |
| 2.250% | 5.750% | 6.375% | 108.250 | 106.000 | 106.625 | 105.500 | 105.175 | 105.125 | 104.625 | 104.250 | 104.125 | 104.250 |
| 2.125% | 5.625% | 6.250% | 106.375 | 104.250 | 105.375 | 104.750 | 104.250 | 104.500 | 104.250 | 103.875 | 103.625 | 103.750 |
| 2.000% | 5.500% | 6.125% | 104.000 | 103.125 | 104.500 | 104.125 | 104.000 | 104.125 | 103.750 | 103.500 | 103.375 | 103.375 |
| 1.875% | 5.375% | 6.000% | 100.500 | 101.250 | 103.000 | 103.000 | 103.125 | 103.250 | 102.875 | 102.750 | 102.750 | 102.625 |
| 1.750% | 5.250% | 5.875% | 98.250 | 100.250 | 101.875 | 102.125 | 102.125 | 102.375 | 102.125 | 102.000 | 102.000 | 102.000 |
| 1.625% | 5.125% | 5.750% | 96.125 | 97.875 | 101.250 | 101.375 | 101.500 | 101.625 | 101.500 | 101.375 | 101.375 | 101.375 |
| 1.500% | 5.000% | 5.625% | 93.625 | 96.625 | 100.250 | 100.750 | 100.750 | 100.750 | 100.750 | 100.750 | 100.750 | 100.750 |
| 1.375% | 4.875% | 5.500% | Please contact your AE for pricing. | |||||||||
| HECM Monthly Adj. 1Y CMT 10 CAP – (US Treasury) | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Principal Limit Utilization | ||||||||||||
| 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% | 6.500% | 7.125% | 112.750 | 109.000 | 107.125 | 106.000 | 105.250 | 105.000 | 104.500 | 104.000 | 103.750 | 103.625 |
| 2.875% | 6.375% | 7.000% | 112.625 | 109.000 | 107.250 | 106.125 | 105.250 | 105.000 | 104.500 | 104.250 | 104.000 | 103.750 |
| 2.750% | 6.250% | 6.875% | 112.250 | 109.000 | 107.625 | 106.500 | 105.750 | 105.750 | 105.000 | 104.750 | 104.500 | 104.250 |
| 2.625% | 6.125% | 6.750% | 111.500 | 108.625 | 108.000 | 106.875 | 106.000 | 105.875 | 105.250 | 105.000 | 104.625 | 104.500 |
| 2.500% | 6.000% | 6.625% | 111.375 | 108.250 | 108.000 | 106.875 | 106.000 | 106.000 | 105.500 | 105.000 | 104.875 | 104.625 |
| 2.375% | 5.875% | 6.500% | 109.750 | 107.375 | 107.750 | 106.375 | 105.750 | 105.750 | 105.125 | 104.625 | 104.625 | 104.500 |
| 2.250% | 5.750% | 6.375% | 108.250 | 106.000 | 106.625 | 105.500 | 105.175 | 105.125 | 104.625 | 104.250 | 104.125 | 104.250 |
| 2.125% | 5.625% | 6.250% | 106.375 | 104.250 | 105.375 | 104.750 | 104.250 | 104.500 | 104.250 | 103.875 | 103.625 | 103.750 |
| 2.000% | 5.500% | 6.125% | 104.000 | 103.125 | 104.500 | 104.125 | 104.000 | 104.125 | 103.750 | 103.500 | 103.375 | 103.375 |
| 1.875% | 5.375% | 6.000% | 100.500 | 101.250 | 103.000 | 103.000 | 103.125 | 103.250 | 102.875 | 102.750 | 102.750 | 102.625 |
| 1.750% | 5.250% | 5.875% | 98.250 | 100.250 | 101.875 | 102.125 | 102.125 | 102.375 | 102.125 | 102.000 | 102.000 | 102.000 |
| 1.625% | 5.125% | 5.750% | Please contact your AE for pricing. | |||||||||
| 1.500% | 5.000% | 5.625% | ||||||||||
| Current Rates | General Notes & Comments | |||||||||||
10 Year CMT 1 Year CMT 4.44% 4.10% | – All pricing is for 15 Day Locks Manufactured Homes: -25 basis points * Rates subject to change at any time. ** Premium is based on UPB, Borr Credit is based on PL. | |||||||||||
HECM Fixed Rate
| HECM Fixed Rate | ||
|---|---|---|
| Rate | ||
| 7.500% | $100.13 | |
| 7.625% | $100.63 | |
| Full draw only | ||