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Licensed in Virginia Pennsylvania, Connecticut, Florida,
Maryland, Colorado, California & Arizona

If your credit score is below 740 and your loan to value
is over 60%, Fannie Mae & Freddie Mac are making
you pay more money! See below.

This chart is add ons to points for Purchase or Rate/Term refis for loans longer than 15 years. Cash out is higher.

Credit Score <=60% LTV to 70% LTV to 75% LTV to 80% LTV to 85% LTV to 90% LTV to 95% LTV to 97% LTV to 100% LTV

>=740

 -.25 0 0 0 0 0 0 0 N/A
720-719 -.25 0 0 0 0 0 0 0 N/A
700-719 -.25 .5 .5 .5 .5 .5 .5 .5 N/A
680-699 0 .5 .5 .5 .5 .5 .5 .5 N/A
660-679 0 .5 1.25 1.25 1.25 1.25 1.25 1.25 N/A
640-659 0 .5 1.75 1.75 1.75 1.75 1.75 1.75 N/A
620-639 0 .75 2.5 2.5 2.5 2.5 2.5 2.5 N/A
under 620 2.00 2.00 2.75 2.75 2.75 2.75 2.75 2.75 N/A

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Box 15888 Philadelphia PA 19103
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